Category: Personal Finance

Ask Dr. Per Cap: Worst Investment Ever

Dear Dr. Per Cap: You once wrote that the most lucrative investment you ever made was a trade for a valuable hockey card at twelve-years-old.  What’s the worst investment you’ve ever made? Signed, Just Asking Dear Just Asking Fair question!  Back in the nineties I was working in a pizza store and had just started […]

Ask Dr. Per Cap: Why Tip?

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 when my own people stiff me.  What’s up with Natives who don’t tip? Signed, Tips Please Dear Tips Although I’ve heard this […]

Ask Dr. Per Cap: Jobless Benefits Fraud

Dear Dr. Per Cap: I received a 1099-G that lists over $3,000 in unemployment benefits paid by the state in 2020.  I didn’t receive any unemployment last year.  What should I do? Signed, Working through the Pandemic Dear Working Report this as fraud through your state unemployment agency website immediately.  There’s been a huge surge […]

Ask Dr. Per Cap: Bitcoin Mania

Dear Dr. Per Cap: Is Bitcoin a smart investment?  Just a few years ago one Bitcoin was worth less than $10 and now it’s trading for over $50,000. Signed, FOMO Native Dear FOMO Native This is the $50,000 question and I honestly don’t know the answer.  Bitcoin mania seems to be taking over the world […]

Ask Dr. Per Cap: Stimulus Paper Trail

Dear Dr. Per Cap: The business that does my taxes told me I needed to show confirmation letters for the economic stimulus payments I received.  I threw those out because my payments already went through.  What should I do? Signed, Missing Letters Dear Missing Letters Many tax preparers this year are asking to see IRS […]

Ask Dr. Per Cap: Family Bargain

Dear Dr. Per Cap My sister makes her living as an artist and I buy her paintings for gifts.  However, she always wants to give me a deal which makes things uncomfortable.  I think she’s insulted when I try to pay more.  What’s a respectful way to tell her to charge me full price like […]