Dear Dr. Per Cap: Last week a collection agency contacted me about an old debt from ten years ago.  I thought they couldn’t chase down debts more than seven years old so what gives? Signed, Don’t Want to Pay Dear Don’t Want to Pay Yikes!  We’ve seen an increase in aggressive collection practices in recent […]

Dear Dr. Per Cap: My sister and her boyfriend are always bragging about stuff they buy – new truck, nice furniture, trips to Disneyland.  And she constantly posts on Facebook about their perfect life.  I love her but she makes me feel crappy.  How can I deal with these negative feelings when I can’t afford […]

Dear Dr. Per Cap: I’ve been having a hard time focusing on my financial goals lately.  I just can’t seem to stay motivated to save for a down payment on a house.  My kids are really looking forward to having a place of their own too.  How can I break this funk? Signed, Loosing Focus […]

Dear Dr. Per Cap: Do you think it’s smart to stock up on paper towels and toilet tissue in case we have another shortage like when Covid-19 hit this spring? Signed, Thinking Ahead Dear Thinking That depends on if we see a second wave of coronavirus this fall and how serious it gets. But first […]

Seems like every product from a simple battery charger to a used car offers an extended warranty these days. Are they worth it?

As any pet owner knows, pets ain’t cheap. Dr. Per Cap has some ideas for curbing pet costs.

A reader asks how to strike it big in the stock market. Dr. Per Cap responds – slow down!

Nearly six month’s into the coronavirus pandemic and folks are feeling weary. Dr. Per Cap gives a pep talk to a furloughed casino employee.

Dear Dr. Per Cap: My savings account barely pays interest.  Looking at my monthly bank statements I haven’t earned more than 0.01% in years.  What’s the point of saving money when I only earn a few pennies of interest each month? Signed, Losing Interest Dear Losing I understand your frustration with today’s low interest savings […]