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Sense on Cents is a personal blog. The views and opinions expressed here represent my own and not those of the people, institutions or organizations that I may or may not be related with unless stated explicitly. Sense on Cents provides a snapshot of the knowledge, views, and opinions that I hold at a particular point in time. I reserve the right to evolve my knowledge, thoughts, and viewpoints over time and to change them without assigning any reason.

My blog includes links to other sites/blogs operated by third parties. These are provided as a means of convenient access to you for the information/opinions contained therein. I am in no way responsible for the content of any other sites or any products or services that may be offered through other sites.

Sense on Cents provides general information only and does not take into account your individual financial objectives or financial situation. The contents of this blog are not to be relied upon as a substitute for financial or other professional advice.

I recommend that you consult with a licensed, qualified professional before making any investment decisions. Under no circumstances will the author or service provider be liable for any loss including but not limited to direct, indirect, incidental, special or consequential damages (including loss of revenue or income, pain and suffering, emotional distress) that result from the use of, or the inability to use, the materials in this blog, or as a result of the risks inherent in the financial markets.

Comments and E-Mail Policy:
I look for active engagement at Sense on Cents. Because I value your thoughtful opinions, I encourage you to add comments to this discussion. The broader the perspectives, the more everybody benefits. In that spirit of invitation, the only rules here are mutual respect and tolerance with no off-color language.

Note that tasteless and insulting comments may be deleted. Any personal remarks and attacks may be deleted. The same holds true for off-topic comments. Any comments that reek of link spam or marketing messages will be deleted.

Other than comments made by me, I am not responsible for the content in comments on this blog, or in the blogs or other online content that I may link to.

The owner/moderator makes no representations as to the accuracy or completeness of any information on this site or found by accessing any website link(s) provided in a post. As such, the owner/moderator will not be liable for any errors or omissions contained in the information set forth in an authored post nor for the availability of said information. The owner/moderator will not be liable for any losses, injuries, or damages arising from any information set forth in any author’s post(s) and will not indemnify the authors for any purpose arising from or related to the author’s post.

The owner/moderator does not share personal information with third-parties nor does the owner store information collected about your visit for use other than to analyze content performance. The owner/moderator is not responsible for the republishing of the content contained on this blog on other websites or media without permission.

The owner/moderator of the blog reserves the right to edit or delete any comments submitted to this blog without notice due to (a) comments deemed to be spam or questionable spam; (b) comments including profanity; (c) comments containing language or concepts that could be deemed offensive; or (d) comments that attack a person or their character. The decision to remove any comments that violate the terms and conditions herein are made at the sole discretion of the owner/moderator. The policies, terms and conditions herein are subject to change at any time and without prior notice.

E-mails are welcome and you may write to me at:

Please note that I may not be able to reply to all comments and emails.

All comments and emails become the property of Sense on Cents and can be reproduced and/or distributed by Larry Doyle.



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