The Answer Man

As a new feature of this blog, I will be answering questions submitted by my readers. The following answers are for Dick but I am certain many readers will find them useful in these trying times.

Dear Dick,

You ask some good questions. Let me address them one by one.

• 13% plus seems high to me as well, since banks are getting it at 0%. Be sure to pay the minimums on time because the late fees kick it up into the 30%+ range.

• The Prius is definitely the way to go—a bit pricey but “tres chic”! You might want to wait for the plug-in model next year. That way you’ll be net zero. Let PG&E figure out what to do with the emissions.

• If it’s been that long, maybe going into business for yourself is a good idea. At least you can tell your friends you’re not a slacker. It probably won’t cost much more than paying to do that internship. Check and see if you can get some “investment financing” from the in-laws.

• The threat is real, which is why whenever I am in a crowed place I carry a concealed handgun. The shotgun draws too much attention.

• Walk away. With the Prius seats down, you and the wife can sleep comfortably. The kids can curl up in the back. And yes, when it’s plugged in, the flat-screen should work just fine.

• I know it seems cruel, but really now, it’s just a dog.

• I don’t think you need to worry about the capital gains tax rate right now.

• No, that’s Fascism not Socialism.

• The fact that it’s not particularly painful and seems to be growing slowly should be reassuring. Hold off until 2013, when the no-pre-existing clause kicks in.

• I’d feel the same way but I don’t think you should go that far. How about just writing a pithy letter instead?

• Zoloft or Lexapro (Be sure and read the warnings!)

• it’s almost Christmas. You do what you gotta do.

• Beats me!

Submit your questions to the Answer Man at:
GimmeAnswersNow@3sigma.com