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Are you worried about the sharp fall in world markets?

"Crash", "Panic sparks global plunge", "World Markets Plunge" - just some of the worrying headlines in this morning's papers. So, how worried are you about your finances? Do you own shares, or have a pension or an ISA, which are both dependent on strong share values? Are you carrying a lot of personal debt? Are you seriously thinking of tightening your belt and, for example, putting off the home improvements you were planning or thinking again about buying that new flat screen TV?

Gary Robertson takes your calls, texts and emails.