We started this blog because we wanted to generate discussion about what we believe are three very important areas. These areas are often neglected by well meaning parents and overworked school systems when they attempt to equip children to live, work, and adapt to the outside world. The principles and ideas surrounding can be learned by anyone at any stage of life. What are they?

  • Personal financial management.
  • Achieving and maintaining a great relationship with your spouse and children.
  • How to succeed in your occupation, whether as an employee or an entrepreneur.

We have a small amount of knowledge and experience in these three areas, but so much of wisdom is knowing what NOT to do. We can personally contribute to that body of knowledge to be sure.

We believe it is NEVER too late to learn and we hope to learn a great deal from the readers and subscribers to this blog. We also hope you can pick up an idea or two that will help you live a better, more productive, more fulfilling life. After all, the greatest Book ever written says There is wisdom in a multitude of counselors.

Were all quite conservative on many financial issues, but surprisingly liberal in our views on other issues.

Comment Policy

Please comment if you feel led. We welcome dissenting views, but keep things nice! We look forward to our sharing our collective wisdom and knowledge to help each other achieve our own success.

  • Readers are solely responsible and liable for their comments, so BE NICE! Dont berate us or our readers. And dont call anyone names. Those comments get deleted very quickly.
  • By commenting, you grant The Wisdom Journal irrevocable license to use or modify your comments.
  • By commenting, you grant The Wisdom Journal irrevocable license to delete your comments. We sincerely hope we never have to do this, so dont do or say anything that you wouldnt do or say in front of your mother or our mother for that matter. Again be nice.
  • By commenting, you grant The Wisdom Journal irrevocable license to contact you via email about your comments (we wont spam you promise).
  • Comments that use any language we wouldnt want our children to hear or read will be deleted. Count on it.
  • Link backs made by commercial sites may be deleted unless they are really, really good in our opinion.
  • Policy subject to change at any time depending on our mood at the time.
  • Links change all the time and if one goes to the wrong site, or is broken, let us know.
  • If you use a fake email address and we figure it out, your comment will be deleted. We might also list your comment as spam with the big secret spam computer in San Francisco so it doesnt trouble us or any other bloggers again.
  • We do not allow links to sites that promote violence, pornography, gambling, questionable loans, immoral activities (as defined by US), or sites that we would not want our children to visit.


The customary disclaimer: What we share here with you is based on our own personal experiences and research, and is heavily riddled with a lot of subjective opinion. Read, learn, surf, lurk and form your own conclusions. If you find anything here that is yours which you’d rather we not borrow, — just let us know and we will take it down.

What we write about is our own opinion and before you act on anything you read here (or anywhere else for that matter), you should get advice from an experienced professional.

In the event we review a program, a company, or any product or service provided by any person, company, or entity, the policies and practices of that entity supersede our references to said policies. We assure you, it was unintentional and we will correct it as soon as we know about it and are able to access this site to correct it.


At The Wisdom Journal, the privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you use visit The Wisdom Journal, and how we safeguard your information. We never sell your personal information to third parties.

Log Files
As with most other websites, we collect and use the data contained in log files. The information in the log files include your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Cox Cable), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site and which pages you visited throughout our site.


We do use third party advertisements on The Wisdom Journal to support the site. Some of these advertisers may use technology such as cookies, DART cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed. Use of cookies is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites). The use of DART cookies enables advertisers such as Google Adsense to serve ads based on your visit and your visits to other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.

We use third-party advertising companies to serve ads when you visit our website. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. You can chose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.

Other Policies

  • The Wisdom Journal is for educational and informational purposes only. Any advice rendered on this site should be verified by a qualified professional before any actions are taken on that advice.
  • Advertisers, particularly those that scan our blog and try to fit ads accordingly, are solely responsible for the content of their own ads. We have no idea why they pick some advertisements.
  • We will list affiliate links via banners, text and other ways that might be available. If something interests you, check it out. But remember that The Wisdom Journal specifically disclaims any liability with these advertising or affiliate sites.
  • Readers should assume that any sites linking to companies providing products and/or services are affiliate marketing sites that pay commissions to us. Any products or services we review also pay a commission, a fee, or otherwise grant perks as payment.
  • Readers should also assume that any book reviews we conduct on this site were the result of a free book given by the publisher. We dont automatically write a positive review as a result, but the book was probably free (not all reviews resulted from a free book though We DO buy our own sometimes!).
  • And our employers have absolutely nothing to do with this blog.