Terms of Use

When you use this web site, you inherently agree to the following:

Use At Your Own Risk

We are not professional financial advisers, not professional career counselors, not professional psychologists, and not professional therapists. Nor do we try to pass for ones. We write with the best intentions as parents of three younger adults. The advice we write about are the very same advice we pass to our children. As such, the advice can be very biased, based on our upbringing, values, beliefs, faith, and current lot in life.

We encourage you to do your own homework, due diligence, fact checking, and seek second opinions before taking any action related to our articles. Please, do not blame us for your actions and/or the consequences of your actions. Everyone’s situation is different, that’s why we provide all this information as food for thought. You have the smarts to consider what we present here and make your own adult decisions.


In the spirit of full disclosure, so you can understand our potential biases and conflicts of interest. We will share with you the following:

Where we get our information. We acquire information from various sources:

  • News sources such as ABC, BBC (U.K.), CBS, CNN, Fox News, NBC, NGK (Japan)
  • Financial news networks such as CNBC, especially shows like Jim Cramer’s Mad Money
  • Financial web sites such as Motley Fool, Seeking Alpha, Yahoo Finance
  • Books such as Jim Cramer’s Getting Rich Carefully, Peter Lynch’s One Up on Wall Street and Beating the Street
  • Magazines such as Fortune, Kiplinger’s, and Money

How we are compensated. We are compensated from affiliates as listed on our Support This Site page. We get a referral commission or bonus from these sites associated with your purchase, if you begin your shopping by clicking through our links. The commission or bonus paid to us does not incur any additional cost to you. For what it is worth, we have personally used each of these sites multiple times with great satisfaction.


Having said this, we only wish the best for you.

Thank you for visiting our site and your support.

| The Pragnotion Team |