“…when lenders see a lien they start wondering what property is subject to the lien and for how much money. Liens cast a lot of uncertainty and can jeopardize a person’s entire financial well-being.” Dear Dr. Per Cap I applied for a loan from Sequoyah Fund and was told I can’t have unsatisfied liens or […]
Yep, it’s a real thing. And so is cyberbullying insurance. Dr. Per Cap weighs the pros and cons. Dear Dr. Per Cap: How does identity theft insurance work and is it worth buying? Signed, You Never Know Dear You Never Know As the name implies, identity theft insurance compensates a person for financial losses stemming from […]
Whether you call them pay-in-4 plans or point-of-sale loans, small dollar financing is taking the country by storm. And Equifax will soon start listing them on credit reports. Dear Dr. Per Cap: You haven’t written about credit reports in a while. Any new developments with how the credit bureaus are listing information on our credit […]
If you were dropped into a culture in which you did not know the language, how would you get by? How would you order food, ask for help, engage in trade, or even discuss the weather? If you have no language literacy, you’re at a disadvantage. You are at an equal disadvantage walking around in […]
Apple recently became the first U.S. company to reach a $3 trillion market valuation. Dr. Per Cap explains what it means. Dear Dr. Per Cap: I just read that Apple has a three trillion dollar market cap. What does that mean? Signed, Jenny L. Dear Jenny L. Market capitalization or market cap is an investing term used […]
Conserve cash to save for a rainy day! Don’t raise prices (or even cut them) to show your customers you care! Business requires a personal touch! Make the shift to virtual! All of these are common pieces of advice for growing your business. But what if they’re dead wrong? What if the very things you […]
Michelle Jackson didn’t want to put all of her eggs in one basket when it came to creating income. By diversifying her offerings, she was able to hedge her bets in the event one of her streams of income dried up. She now earns between $5,000 and $7,000 per month through activities like: Affiliate marketing […]
The COVID-19 pandemic has sparked significant societal changes. How we work and learn are two of the most pronounced changes. Many office workers have been able to use technology to work from home, allowing them to be productive during what was once their commute. It has also changed the nature of child care. Some parents […]
Yesterday, we told you about a TikTok influencer making millions by dancing. We also said you don’t have to dance to make it big with an online side hustle. If you’re like most people, you probably turn to YouTube whenever you want to find a video to learn something. But have you ever considered TikTok? […]
Can we expect an extension on this year’s tax filing deadline? Dear Dr. Per Cap: Last year IRS issued an extension for filing. Can we expect the same in 2022? Signed, Procrastinator Dear Procrastinator Not likely. The filing deadline extensions for tax years 2019 and 2020 were responses to the chaos and disruption caused by […]
