Dear Dr. Per Cap: What’s the status on medical debts and credit bureaus? I heard all medical debts will soon be deleted from credit reports. Signed, Can’t Wait Dear Can’t Wait What you’ve heard is partially true. The three credit bureaus Equifax, Experian, and Transunion will begin removing about 70% of medical debts currently listed […]
Dear Dr. Per Cap: I have a relative I’m worried might be a kleptomaniac. He has a habit of shoplifting weird items he doesn’t even need. How can I help him? Signed, Watchful Eye Dear Watchful Eye Kleptomania is a serious mental health disorder in which people can’t resist the urge to steal objects or […]
Dear Dr. Per Cap: Last year college athletes got the greenlight to profit from their name, image, and likeness. Does this also apply to high school athletes? We’ve got some great young basketball players in our community who I think local businesses would be happy to compensate for advertising or promotional appearances. Signed, Plays by […]
Dear Dr. Per Cap: I’ve heard you say that anyone can fall victim to a scam. Have you ever been scammed? Signed, Scam Hater Dear Scam Hater Fortunately, I’ve never been conned out of a significant enough amount of money to consider myself a scam victim. However, I sure came close last month. We took […]
Dear Dr. Per Cap: I come from a family with a lot of women, but our dad made sure we learned some “guy skills”. However one skill we’re lacking is how to price used vehicles. My father walked on a few years ago and left a 1999 International Ryder truck that he bought for our […]
Dear Dr. Per Cap: The other day a friend sent me a Zoom invite for a meeting that was advertised as a “financial opportunity”. What unfolded was something that appeared to be a pitch to get me to sign on as a financial services agent. Everyone in the meeting was Native and many said they’ve […]
Dear Dr. Per Cap: The stock market is off to a rough start this year and my S&P 500 mutual fund is taking a hit. I’m thinking maybe I should sell my shares and buy them back later at a lower price. Smart move? Signed, Worried in Wyoming Dear Worried in Wyoming Investors are indeed […]
Dear Dr. Per Cap: My uncle says there are smart ways to gamble if you understand the odds. What’s the best way to win in the casino? He says craps is the way to go. Signed, High Roller Dear High Roller First off I never like seeing the words “smart” and “gambling” in the same […]
Dear Dr. Per Cap: I hear inflation is the reason prices are rising. What’s go on? Signed, Worried Budget Dear Worried Budget The simplest and best way I know to describe inflation is how much more you have to pay this year than last year to achieve the same level of well-being. We all know […]
“…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 […]
