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Terms of Submission:	Thank you for emailing CNBC. Because of the high volume of e-mail, we can't respond to every e-mail individually. If you would like us to consider your question (a "Submission") for an upcoming program or online content, please read these Terms of Submission and ACCEPT TERMS OF SUBMISSION BELOW. ALSO, please include your FIRST NAME, CITY and STATE. The opinions you hear on the show or read online, and the answers you receive to your questions, are solely the opinions of the personalities expressing such opinions (the “Personalities”). Their opinions do not reflect the opinions of CNBC, NBC UNIVERSAL or their parent company (collectively, "CNBC") and may have been previously disseminated by them in another medium. You should also be aware that finance professionals often vary as to their opinions regarding investments and other professionals may have contrary opinions to those of the Personalities expressed on-air on online. You understand that your financial choices (including, without limitation, investments) are your sole decision and responsibility. While the Personalities may discuss specific financial ideas based on the limited interaction and limited amount of information that they are able to elicit from your email you understand that their advice is of a general nature, they are not aware of the specifics of your financial situation or risk tolerance, and you should not make any decisions based solely on their advice. Neither the Personalities nor CNBC guarantees any specific outcome, profit or loss and you should be aware of the real risk of loss in following any advice you hear on the show. Should you decide to follow any advice you hear on the show, online or in any answer you receive to your questions, you are solely responsible for any loss you may incur and you agree that you will not hold CNBC or the Personalities liable for any loss or damage that you may incur. If we decide to use your Submission, you may be contacted by CNBC in order to discuss your Submission. If you make a Submission, and if we decide to use your Submission on-air and/or online, we may mention your first name, city and state. By making a Submission, you are granting CNBC permission to contact you regarding your Submission. By making a Submission, you are also granting CNBC a worldwide, royalty free, perpetual, unrestricted, irrevocable, and fully sublicensable right and license to use, copy, distribute, transmit, publicly display or perform, reproduce, edit, modify, translate and reformat your Submission worldwide in any form of media or technology now known or later developed or invented, and you are representing and warranting 1) that you are at least 18 years old and 2) that your Submission does not violate the rights of any other person or entity. You will not receive any compensation for your Submission or for granting any of these rights. CNBC is not obligated to use your Submission. These Terms of Submission supercede any and all agreements or communications of any kind between you and CNBC or anyone associated with CNBC, and they can't be modified or waived except in writing and unless properly signed. If you agree to be bound by all of these Terms of Submission, then accept terms below. If you don't agree, don't send us a Submission. CNBC will take any Submission by you as an agreement to these Terms of Submission.
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"On the Money" is a one-hour personal finance program hosted by CNBC's Carmen Wong Ulrich, provides personalized actionable information that will give you the ammunition you need to power through these volatile times. "On the Money" explores your personal finance options, guide you through information and choices and encourage you to make the best decisions for your life.

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