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Gloomy tales http://www.create-update.com/calculate-house-payment-with-taxes-and-insurance/ i have bad credit but i need a loan "What people are perceiving as a safe investment strategy is actually quite risky for a time horizon of 10 years or more," said Greg McBride, Bankrate's senior financial analyst. "Considering that Americans don't save enough to begin with, it has the potential to leave millions of them well short of the money they'll need for retirement or education funds for their children."