Dear Dr. Per Cap: I just bought a couch at Wayfair using Wayfair Financing – payments are $35 a month for 18 months which adds up to about $100 in interest. It reminds me of layaway that my folks used when I was a kid. Only I don’t have to wait because they’re shipping my […]
Dear Dr. Per Cap: 2019 was another great year for the stock market. I’m thrilled that my 401k balance is up but I keep hearing that the market is due for a “correction”. What exactly does that mean? Signed, Hoping to Retire Soon Dear Hoping Yep, 2019 was another banner year for Wall Street. The […]
Dear Dr. Per Cap: My uncle is elderly and recently met a person he claims “is the love of my life” on a dating website. Our tribe pays per cap and the other day he asked me to drive him to Western Union so he could send his online “girlfriend” some cash. I see a […]
Dear Dr. Per Cap: My niece recently paid off her student loans and is really excited about her finances. Do you have any suggestions for a cool financial themed Christmas gift? Signed, Auntie Santa Dear Auntie Santa Ho, Ho, Ho! I have the perfect gift idea for your financially savvy niece – stock in her […]
Dear Dr. Per Cap: I switched jobs and want to cash out my 401k from my previous job at the Bureau of Indian Affairs. I’ve been told this is a bad idea but my wife and I could really use the extra money, especially with the holidays coming up. What should I do? Signed, #1 […]
Dear Dr. Per Cap: Last night my family went out to eat and everything was dreadful. Horrible food, lousy service, and overpriced. I complained to the manager who pretty much blew me off. I’m still really ticked off but don’t know if it’s worth fussing over anymore. What should I do? Signed, Disgruntled Diner Dear […]
Dear Dr. Per Cap: I work at Walmart and they offer payroll advances through an app on my phone. I’ve used them a couple of times to hold me over until payday. I’m told it’s a better option than the payday loans I was getting before because I’m not charged interest. Is that true? Signed, […]
Dear Dr. Per Cap: I had my personal information stolen during the big Equifax security breach a couple years ago. I heard a settlement was finally reached. Am I entitled to any money? Signed, Waiting Patiently Dear Waiting Welcome to the club. You, me, and 147 million other Americans were effected by the major security […]
Dear Dr. Per Cap: I’m a server at a restaurant and get frustrated when Native customers don’t tip. I work hard to provide good service and it’s not only insulting but tough financially for a college student like myself; especially when my own people stiff me. What’s up with Natives who don’t tip? Signed, Tips […]
Dear Dr. Per Cap: I read your column regularly and think I’m ready to start investing. However, I don’t want to invest my money in a company or industry just because it’s profitable. I also care about environmental and social issues and want to invest in responsible companies that feel the same way. Any advice? […]
