By Cameron Huddleston, Former Online Editor September 14, 2009 President Barack Obama today -- on the first anniversary of the collapse of Lehman Brothers -- said tougher regulation is needed to prevent another financial crisis. Kiplinger.com columnist Steve Goldberg agrees.Goldberg says, "In 2008, the world received a wake-up call about the excesses of unfettered deregulation. If we fail to heed it, we face a bitter reckoning." He reminds us that last year's financial crisis wasn't the first of its kind and offers his prescription for preventing repeat disasters in How to Prevent a Repeat of 2008. Read it and share your comments about what needs to be done to avoid more financial meltdowns.