According to Bankrate.com, 45% of working Americans (roughly 70 million people) had a side hustle as of the end of 2020. This number is as high as 50% for millennials (those born between 1980 – 1995). Online productivity app firm Zapier.com estimates this number rose by another 15 million in 2021. The biggest reason people […]
Dear Dr. Per Cap: You offer a lot of financial tips and wisdom. What’s a secret to getting ahead that you haven’t already shared? Signed, Keep It Real Dear Keep It Real Your question is like a breath of fresh air. I love it when readers ask me to dig deep, get personal, and as […]
Dear Dr. Per Cap: With interest rates so low I think it might make sense to refinance my mortgage. Is this a smart move? Signed, Happy Homeowner Dear Happy Homeowner Like I say so often in this column – it depends. I’m not trying to dodge your question but there are a bunch of factors […]
Dear Dr. Per Cap: I hear about hackers who target people when upgrading a phone. How big is the risk? Signed, Ready for 5G Dear Ready for 5G There’s a loophole when a person changes phones and transfers an existing number to a new device. Like so many fast paced scams it’s frighteningly easy to […]
Dear Dr. Per Cap Our family is thrilled with December’s big per cap! I’m told it’s a record but I wouldn’t know because I don’t keep track of my per cap payments or my son’s in the Minors Trust. Is this ok or should we keep records? – Mom Wants to Know Dear Mom Wants to Know […]
Dear Dr. Per Cap: Are investing apps like Robinhood and Acorns the best way for a first time investor to buy stocks? Signed, Eager Beaver Dear Eager There’s no denying investing apps are taking the world by storm. New investors are pouring into the market in record numbers and their influence is felt in meme […]
Dear Dr. Per Cap: I have all of my bills set to auto-pay. I also use auto-pay for monthly subscriptions for streaming apps and razor blades, but my money wise girlfriend tells me auto-pay is a bad habit. Is that true? Signed, Auto-Pay Ray Dear Ray I get it. Auto-pay is handy technology that enables […]
Dear Dr. Per Cap: I work a tribal job that requires a college degree. However, I see listings for delivery drivers that offer wages and bonuses that pay better. I’m really tempted to switch but my friends say I’m crazy to leave a real job. What should I do? Signed, Debating Dear Debating Millions of […]
Dear Dr. Per Cap: Is there a cheap way to write a will? I don’t want to hassle with an attorney. Signed, Need a Will Dear Need Depending on your situation writing a will doesn’t have to be a major undertaking. In fact it can be pretty straight forward. However, as a Native person there […]
Dear Dr. Per Cap: I’m single and think a tiny home might be a good housing option on the rez. What are your thoughts? Signed, Tiny Dreamer Dear Tiny Dreamer It depends on your definition of a “good housing option”. If you’re looking for a house to significantly appreciate or increase in value over time, […]
