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Personal finance expert Terry Savage fills in for Oprah Radio host Jean Chatzky to talk with callers about their concerns a day after the U.S. House of Representatives rejected a $700 billion bank bailout plan.

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The information provided here is general advice and you should always consult your own financial adviser before making major financial decisions, including investments or changes to your portfolio. The opinions expressed by the hosts, guests and callers to Oprah Radio are strictly their own.