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Welcome to Prosperity Concierge. We’re dedicated to helping you improve cash flow and net worth to reach goals, enjoy life and give back.

Prosperity Trek Guide: Our Treks – Your Adventure

Prosperity Treks help you focus on one activity at a time to improve cash flow and net worth, enjoy life and give back. Treks have high-value activities up-front. Actvities include information to help you earn, spend, reduce debt, save and invest.

Find your Prosperity Trek

Improve Cash Flow   The trek when cash flow and net worth are negative. The focus is on achieving a positive cash flow by working to increase income and reduce spending – there’s information on how to budget and manage spending and debt.

Build Net Worth   The trek when cash flow is positive and net worth is negative. The focus is on achieving a positive net worth with information on how to save and invest.

Wealth and Prosperity   The trek when cash flow and net worth are positive. The focus is on how to invest, build wealth, enjoy life and give back.

Enrichment and Fulfillment   The trek when you’re retired. The focus is on retirement, travel and how to enjoy life to its fullest – and strategies on giving back to others.

Special Situations   The trek when you have negative cash flow, positive net worth and you’re not ready to retire. The trek focuses on earnings and expenses, finding ways to increase income and lower spending while using net worth to supplement cash flow.

Viewpoints and Perspectives

Insights to help you achieve prosperity.

Information and Trends

Keep up on changes that may affect how you earn, spend, save, invest, manage debt and invest to enjoy life and give back.

Prosperity Trends

Trends affecting your net worth:

The Greek debt issue and concerns about the possibility of breakup of the eurozone.

There appears to be a love-hate relationship with long bonds. Money is flowing toward the dollar but today the market hates long bonds. But commodities are dropping. Will the market love long bonds tomorrow?

Trends that might be affecting your cash flow:

Middle income earners still being hit hard by the job market and debt.

Trends affecting the U.S. fiscal debt issue:

We tap you into a good Wall Street Journal op-ed piece about a $41 cake purchased via a food stamp EBT card.

RSS Information and Trends

  • Middle-Income Earners Hit Hard in Job Market – Not Seeing Income Gains
    Families making the least and most money are seeing their job prospects improve. Middle-income earners are getting hit the hardest in the job market. Employees making above-average wages, like doctors and energy-industry workers, and those at the other extreme, including home-health aides and restaurant staff, have seen the greatest improvement in hiring sin […]
  • Students Borrow Money for College and Don’t Understand their School Loan
    Almost two-thirds of U.S. student-loan borrowers misunderstood or were surprised by aspects of their loans or the student-loan process, a study shows. About 20 percent of the respondents in an online survey said the amount of their monthly payments was unexpected, according to the study released today by Young Invincibles, a nonprofit group in Washington tha […]
  • No Money for an Emergency – Study Finds Most Families Have No Cash for a Rainy Day
    Most Americans can’t afford a $1,000 emergency. A majority, or 64%, of Americans don’t have enough cash on hand to handle a $1,000 emergency expense, according to a survey by the National Foundation for Credit Counseling, or NFCC. Only 36% said they would tap their rainy day funds for an emergency. The rest of the 2,700 people Continue reading No Money for a […]
  • Unemployment, Economy Contribute to Record Use of Food Stamps
    Unemployment and global debt worries continue to hurt the economy, adding financial pressure on families that increasingly rely on food stamps. Nearly 15% of the U.S. population relied on food stamps in May, according to the United States Department of Agriculture. The number of Americans using the government’s Supplemental Nutrition Assistance Program (SN […]

RSS Viewpoints and Perspectives

  • Food Stamps – Our Ticket to Prosperity? – “Never spend more than you earn” and “always try and save a little something.”
    Sure, we should never spend more than we earn. And we should always try to save a little something. But sometimes we need a helping hand from our friends and family to meet financial challenges. People want to help. Giving to someone in need takes some finesse. Only friends, family and neighbors who care, are compassionate Continue reading Food Stamps – Our […]
  • An Agile Workforce: Education Should Help People Adapt to Technology Careers
    Technology is affecting our job market, our incomes and prosperity. We haven’t done a good job adapting to technology as a society, as measured by unemployment and wage levels. We need agility in our workforce. Our institutions of education could help us. They can teach us to be more adaptable and provide us with tactical training, Continue reading An Agile […]
  • Debt Deleveraging – is Debt Deflation Coming?
    Households and businesses have been reducing debt for a couple of years. But the debt has simply morphed into government debt. But in Europe and the U.S. we’re getting close to debt reduction time, or what’s being referred to as the “fiscal cliff”. Soon we will be deliberating the possibility of experiencing debt deflation. Austerity is Continue reading Debt […]
  • Our Unemployment Rate – Do We Have a Structural Jobs Problem?
    The unemployment rate is dropping, but not fast enough for many. Jobs affect household spending and are needed to pay down household debt. Jobs affect the well-being of families and their ability to achieve goals. So how do we address the unemployment issue? Unemployment can be cyclical (as the economy improves, employment goes up) or structural. Caroline Co […]