I spent some time earlier talking about what the site is about, my motivation and mission. It’s also important to share what this site isn’t about. Like I said before, I’m not a professional financial planner and I do not intend for this site to be the de facto source for all of your personal finance needs — yet.

Everyone has vastly different and unique financial situations, and it is important to realize that the lessons you take from here and elsewhere are best personalized for your own specific needs. While I will talk on a very macro level about the stock market, I will not focus on which stocks and sectors are currently hot and should invest in, pull out of, etc. It’s best to talk to a financial planner about that.

Living With Common Cents also isn’t about purchasing a home, mortgages, or shopping for insurance rates just yet. I’m not at the point in my life where I am immediately worrying about these things, and since this is a personal account of my life I won’t write at length about these issues now. I’m sure that as I forge ahead in my life we will get there, but I’m just not there yet.

I will do my best to include a wide array of personal finance blogs and Web sites so you can have the most well-rounded, comprehensive information possible. Why? At the end of the day, you should take as many different sources as possible, consider the pros and cons, assess it with your own personality and finances, and then move forward. There is no silver bullet, no panacea — and that’s something I will never aspire to be for anyone.

While I believe personal finance is just that, personal, I will share with you more than some other blogs will with regard to my identity, job, and actual finances. However, there will be some things that I do not share because I believe it to be too personal. For example, the stocks I do own, the banks I am a member of, and the funds I invest in for my 401(k) and Roth IRA are off limits for now. If you don’t know what those last two finance vehicles are, check out this Web site which has a glossary of banking terms.

This is also so it doesn’t seem as though I’m endorsing any particular companies or stock. I also won’t share my exact yearly income and the exact amounts of all of my assets, but I will give rounded figures and ranges. I’m confident my comfort level will change with the evolution of this blog, but I also believe it important to lay some guidelines first. That way I’m honest with you all as well as myself.

Continue reading below for the legal disclaimer.

The authors of this blog, Living With Common Cents, have made their best efforts in preparing this Web site to be accurate and complete. The content of this Web site is not guaranteed to produce any particular result, but is for general informational purposes only. In addition, the advice and explanations given on the Web site may not fit every individual’s circumstances.

Therefore, the authors of Living With Common Cents do not assume responsibility for advice or information given. As a result, each reader should consider his or her specific circumstances when making decisions related to any of the topics covered on this Web site.

The authors of Living With Common Cents are not in the business of rendering legal, financial, or any other professional advice. If any questions regarding legal, financial, or professional advice should arise, the reader should seek professional assistance.

The authors of Living With Common Cents shall not be held liable for any damages or losses caused by errors, inaccuracies, or omissions arising from direct or indirect use of this book.


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