Dear Dr. Per Cap: I graduate high school this year and am unsure about my next step. My mom tells me I need to go to college and earn a four year degree. She says it’s the best way for Native people to get ahead. But I really don’t want to spend four more years […]
Dear Dr. Per Cap: What’s the best investment you’ve ever made? Signed, Interested Reader Dear Interested Reader Best investment I’ve ever made was starting a family – hands down. I get more long term joy, satisfaction, and sense of purpose from being a father than anything else I’ve ever accomplished or experienced in my life. […]
Dear Dr. Per Cap: I heard one of your presentations where you recommended people add their cell phone numbers to the National Do Not Call Registry. I took your advice but still get telemarketing calls. Most of them are not real people but messages urging me to buy auto warranties, knee braces, and other junk […]
Dear Dr. Per Cap: I’ve had my eye on a new vehicle and last week I got my per cap, enough for a good down payment. When the salesman at the dealer saw that I was Native he asked what rancheria I was from. I told him and he right away said “Oh per cap […]
Dear Dr. Per Cap: Earlier this week I tried turning the air conditioning on for the first time this spring at my house. It wouldn’t blow cold and to make a long story short I had to call a repair company that charged about a month’s pay to fix it. I can’t get over how […]
Dear Dr. Per Cap: My grandkids will only wear brand name clothing like Nike, Adidas, and Under Armour. I try to tell them the off brand stuff is just as good but they won’t listen and say it’s not cool to wear the cheaper stuff. How can I convince them that just because something is […]
Dear Dr. Per Cap: I was in a car accident a few days ago while riding in my friend’s car. We were shopping in Albuquerque and some guy ran a stop sign and plowed into us. This morning I got a call from a lawyer who told me not to settle with the other driver’s […]
Dear Dr. Per Cap: There’s a Walmart in a town near the rez where just about everyone shops. Some people have jokingly nicknamed it the “Gathering of Nations”. My cousin swears Walmart always has the lowest prices but I’m not so sure. What’s your take? Signed, Wally World Woman Dear WWW Ah…the great debate to […]
Dear Dr. Per Cap: I received my end of year 401k statement and my account was down for the year, even when factoring in my contributions and my employer’s match. This is not cool. I opened my 401k when I started a new job last spring so I can start saving for retirement and I’m […]
Dear Dr. Per Cap: I heard they are changing the way credit scores are calculated. What gives? I’m anxious to know why and how it will impact my own credit score. Signed, Nervous Borrower Dear Nervous Big changes are in the works at Fair Isaac Corporation, better known as the folks that bring us the […]
