What do I do if I find myself house rich and cash strapped as an older American? Nov 01, 2024

Feeling financially trapped in a home you love but can't afford to maintain is a common struggle for many older Americans. This podcast tackles the critical issue of being house rich but cash poor, exploring the emotional and financial toll it takes on individuals like Peter, who is left grappling with expenses after losing his spouse. Ralph shares inspiring stories of triumph and practical strategies to navigate this dilemma, emphasizing the importance of early financial planning, diversifying assets, and seeking professional guidance. By understanding these challenges, listeners can avoid the pitfalls that lead to overwhelming debt and financial stress. Join Ralph as he combines real-world advice with a faith-based perspective to help you achieve financial stability and peace of mind. What do I do if I find myself house rich and cash strapped as an older American? Ralph’s insights provide a roadmap to answer this pressing question, guiding you toward a secure and fulfilling financial future.

https://www.askralphpodcast.com/house-rich-cash-strapped/

Podcast Timestamps:

00:00 Episode Overview

01:15 Listener’s Question:

03:09 Bible Verse - Proverbs 13:22

04:10 Real-Life Story: John’s Journey from Cash-Strapped to Financially Security

05:33 The Solution to John’s Situation

06:52 A Client’s Story (Mary)

09:18 What Do These Stories Really Tell Us?

09:46 How Can I Avoid Getting Into This Situation?

16:38 Call-to-Action

17:55 Closing

Takeaways:

Many older Americans are asset rich but cash poor due to rising living costs.
Planning for retirement early can prevent financial stress later in life.
Diversifying your assets helps avoid being overly reliant on home equity.
Downsizing before it's necessary can provide financial and emotional relief.
Staying informed about financial products empowers you to make better decisions.
Regularly reviewing and adjusting your budget is essential for financial stability.

Links referenced in this episode:

https://www.askralphpodcast.com/deciphering-reverse-mortgages/
https://www.askralphpodcast.com/home-equity-loan/
Ask Ralph Insiders Community https://mailchi.mp/askralph.com/group
Ask Ralph Show Live https://askralphpodcast.com/live
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
https://askralph.com/

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

Why is a wealth tax such a terrible idea? Oct 31, 2024

Are you concerned about the potential impact of a wealth tax on your savings and financial future? Ralph dives deep into the complexities of this contentious issue, explaining how a wealth tax could adversely affect not just the ultra-wealthy but also middle-class families. He highlights the misconceptions perpetuated by mainstream media, emphasizing that the reality of such a tax is far more complicated than it seems. Through real-life examples and biblical insights, Ralph argues that wealth taxes could stifle entrepreneurship, discourage investment, and ultimately lead to less prosperity for everyone. Join him as he unpacks the facts, encouraging listeners to stay informed and engaged in the discussion surrounding their financial futures—and shedding light on why a wealth tax is such a terrible idea.

https://www.askralphpodcast.com/wealth-tax-such-a-terrible-idea/

Podcast Timestamps:

00:00 Episode Overview

01:11 Listener’s Question: Concerns About Wealth Taxes

02:33 Bible Verse: 1 Timothy 6:17-19

03:57 How Is A Wealth Tax Different From Our Current Income Tax?

10:00 Some Of The Misinformation Being Circulated In The MainStream Media

13:20 How Does This Idea Of A Wealth Tax Impact Our Christian Faith?

15:21 Key Takeaway

15:38 Call to Action

17:59 3 Actionable Steps You Can Take

19:51 Recap and Closing

Takeaways:

A wealth tax targets individuals based on their assets rather than their income, which can be problematic.
Wealth taxes can discourage entrepreneurship and investment, ultimately leading to slower economic growth.
Many individuals may be falsely labeled as wealthy due to asset values, affecting the middle class.
Historical precedents show that wealth taxes can gradually impact more than just the ultra-rich.
The complexities of valuing assets make implementing a wealth tax fairly extremely challenging.
We should focus on policies that promote job creation, rather than those that hinder economic growth.

Links referenced in this episode:

Ask Ralph Show Live https://askralphpodcast.com/live
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
https://askralph.com/

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are the 9 riskiest places to give your social security number? Oct 30, 2024

Feeling uneasy when asked for your Social Security number is a valid concern, and today’s discussion highlights the nine riskiest places where you might be asked to provide it. From gym memberships to job applications and even medical offices, sharing this crucial piece of information can expose you to identity theft. Ralph shares personal anecdotes and practical advice to help you navigate these situations safely. He emphasizes the importance of questioning why your Social Security number is needed and suggests alternative forms of identification when possible. Tune in to learn how to protect yourself and your loved ones from the potentially devastating consequences of identity theft while maintaining a sense of humor throughout the journey as he outlines the 9 riskiest places to give your Social Security number.

https://www.askralphpodcast.com/give-your-social-security-number/

Podcast Timestamps:

00:00 Episode Overview

00:54 Listener's Question: Concerns About Giving a Social Security Number at the Gym

02:35 Bible Verse: Proverbs 22:3 – Being Prudent in Protecting Your Identity

03:23 The 9 Riskiest Places To Give Your Social Security Number

10:44 Real-Life Stories of Clients: Identity Theft from Sharing a Social Security Number

15:13 Key Takeaways

15:31 Best Practices to Protect Your Social Security Number

18:34 Recap and Closing

19:00 Call to Action

Takeaways:

Never provide your Social Security number unless absolutely necessary; always question its need.
Be cautious when filling out gym membership forms; inquire about alternatives to sharing your SSN.
Avoid giving your Social Security number on job applications until you are hired.
Use secure methods to share your Social Security number rather than writing it on paper.
Don't share your Social Security number over email or phone; it's not safe.
Regularly monitor your credit reports to catch suspicious activity promptly before it escalates.

Links referenced in this episode:

https://www.justice.gov/opcl/overview-privacy-act-1974-2020-edition/ssn
https://www.askralphpodcast.com/identity-theft-online/
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
Ask Ralph Show Livehttps://askralphpodcast.com/live
https://askralph.com/

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How can I use my retirement account as an emergency ATM? Oct 29, 2024

Are you feeling the financial squeeze and considering tapping into your retirement account to cover unexpected expenses? Ralph dives into the complexities of using retirement funds as an emergency ATM, exploring the potential pitfalls of penalties and taxes that could derail your financial future. He shares valuable insights and personal anecdotes, emphasizing the importance of having an emergency fund as a financial safety net. With a blend of humor and real-world advice, Ralph discusses various strategies, including borrowing from a 401(k), utilizing Roth IRA contributions, and considering hardship withdrawals. Tune in as he provides practical alternatives and highlights the delicate balance between addressing immediate financial needs and safeguarding your long-term wealth, answering the question, "How can I use my retirement account as an emergency ATM?

Podcast Timestamps:

00:00 Episode Overview

01:03 Listener’s Question

03:03 Bible Verse - Ecclesiastes 11:2

04:04 Why Shouldn’t I Tap Into My Retirement?

05:18 What Are Some Alternatives Before You Tap Into Retirement Savings?

06:04 5 Key Ways to Use Your Retirement Account in an Emergency

10:50 Real Life Stories Of Clients Over The Years

12:42 Key Takeaways

14:55 Actions Steps to Take Right Now

17:15 Closing

Takeaways:

Using your retirement account early can have significant penalties and tax implications, so caution is essential.
Building an emergency fund is crucial to avoid dipping into retirement savings during unexpected expenses.
Consider options like borrowing from your 401(k) or using Roth IRA contributions for emergencies.
Take stock of your financial situation before making any rash decisions about your retirement funds.
Explore hardship withdrawals only for specific emergencies, as they still incur tax liabilities.
Always consult a financial advisor to understand the best options available for your situation.

Links referenced in this episode:

https://www.askralphpodcast.com/emergency-withdrawals-from-401-k-plans-pros-and-cons/
Ask Ralph Show Live https://askralphpodcast.com/live
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
askralph.com

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are the top 5 things people do to stay wealthy? Oct 28, 2024

Are you struggling to maintain your financial success while balancing your overall well-being? Today, Ralph dives into the top five key strategies that wealthy individuals use to not only grow their finances but also nurture their physical, mental, relational, and spiritual health. Through inspiring stories from clients like Tom, Lisa, John, Maria, and David, you’ll discover how a comprehensive budget, diversified investments, continuous learning, intentional generosity, and holistic health practices contribute to true wealth. Ralph emphasizes that financial success is just one piece of the puzzle; true wealth encompasses a harmonious balance across all areas of life. Join him as he shares practical advice, personal anecdotes, and the 5 things people do to stay wealthy to help you achieve a fulfilling and financially savvy life.

https://www.askralphpodcast.com/to-stay-wealthy/

Podcast Timestamps:

00:00 Episode Overview

01:19 Listener’s Question

02:45 Bible Verse

03:38 5 Things People Do To Stay Wealthy #1 Maintain a Comprehensive Budget

05:37 #2 Diversify Investments And Regularly Assess Their Portfolio

07:45 #3 Prioritize Continuous Learning and Personal Development

09:51 #4 Practice Intentional Generosity

12:51 #5 Nurture Physical, Mental, and Spiritual Health

18:00 Holistic Approach to Wealth

20:33 Recap

21:10 Actionable Steps You Can Take Right Now

22:00 Call to Action

24:02 Closing

Takeaways:

Maintaining a comprehensive budget allows individuals to track their income and expenses effectively, leading to financial peace of mind.
Diversifying investments across different assets helps mitigate risks and enhances overall financial security.
Continuous learning and personal development are crucial for adapting to changing market conditions and maintaining wealth.
Intentional generosity creates a sense of purpose and fulfillment, enhancing overall happiness and wealth perception.
Nurturing physical, mental, and spiritual health is essential for true wealth beyond just financial success.
Taking actionable steps, such as tracking expenses and dedicating time for personal growth, can lead to significant improvements in financial well-being.

Links referenced in this episode:

Ask Ralph Show Livehttps://askralphpodcast.com/live
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
askralph.com

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are some ways I can develop spiritual grit? Oct 27, 2024

Are you feeling spiritually drained, especially when faced with life's challenges? This podcast dives into the concept of developing spiritual grit, a crucial element that can transform not only your spiritual journey but also your financial life. Host Ralph shares personal experiences and practical steps to cultivate resilience in your faith, emphasizing the importance of consistent prayer, scripture immersion, community engagement, practicing gratitude, and taking faith-filled action. Through compelling listener stories, Ralph illustrates how embracing these five pillars can lead to breakthroughs and renewed strength in times of adversity. Join him as he encourages you to find joy in the journey, trust in God's plan even when the path seems uncertain, and discover practical ways you can develop spiritual grit.

https://www.askralphpodcast.com/develop-spiritual-grit/

Podcast Timestamps:

00:00 Episode Overview

01:15 Listener’s Question: Gordon’s Struggles with Faith and Finances

02:30 Bible Verse: James 1:2-4 – Perseverance Through Trials

03:37 Ralph’s Personal Story of Financial Struggles

05:53 The 5 Pillars of Spiritual Grit

06:05 #1 Consistent Prayer

07:09 #2 Scripture Immersion

08:09 #3 Community Engagement

09:06 #4 Gratitude Practice

10:34 #5 Faith-Filled Action

14:46 Listeners’ Comments Who Have Gone Through Similar Situation

19:21 Key Takeaway

20:01 What Can I Do Today To Develop Spiritual Grit?

22:33 Prayer

23:50 Call to Action and Closing

Takeaways:

Developing spiritual grit requires consistent prayer and immersing yourself in scripture daily.
Engaging with a supportive community can provide the encouragement needed during challenging times.
Practicing gratitude shifts your focus from lack to abundance, transforming your perspective on life.
Taking practical steps towards financial improvement is essential for achieving spiritual grit.
Reflecting on past challenges helps to strengthen your faith for future adversities.
Combining faith with action empowers you to navigate financial difficulties with resilience.

Links referenced in this episode:

https://askralph.com/
Ask Ralph Show Live https://askralphpodcast.com/live
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What do I do if the bank closed my account? Oct 26, 2024

What should you do if your bank unexpectedly closes your account? This episode dives into the financial nightmare many face when locked out of their own money, leaving them unable to pay bills and access funds. Ralph addresses a listener's urgent plea for help, providing practical steps to navigate this crisis and prevent future account closures. From contacting the bank for clarity to understanding the implications for your credit, he covers essential actions to regain control. Additionally, he shares insights on maintaining financial stability and avoiding such situations in the future, all while infusing the conversation with a touch of humor and real-world experience. Tune in for valuable advice that can help you protect your finances and restore your peace of mind, especially if you're asking, "What do I do if the bank closed my account?

https://www.askralphpodcast.com/bank-closed-my-account/

Podcast Timestamps:

00:00 Episode Overview

02:53 Listener’s Question: Hunter's Account Closure Experience

04:13 Bible Verse - Proverbs 2:6-8

06:20 Steps to Take If Your Bank Account Has Been Closed

09:10 How an Unusual Banking Issue Was Solved with the Right Approach

11:43 Five Tips To Help You Avoid Having Your Account Closed By A Financial Institution

14:43 Understanding Annuities and Retirement Risks

18:32 Preparing for Homeownership as a First-Time Buyer

23:17 Closing

Takeaways:

The podcast discusses the fear and frustration of having a bank account closed unexpectedly, emphasizing the importance of understanding the reasons behind such actions.
Listeners are encouraged to take immediate steps if their account is closed, including contacting the bank and retrieving any remaining funds.
Maintaining a positive balance in your bank account can prevent overdrafts and reduce the risk of account closure due to inactivity.
Setting up alerts with your bank can help monitor your account and avoid unexpected financial issues.
The host shares a personal story about unexpected expenses as a homeowner, highlighting the importance of financial preparedness and having reserves.
For first-time home buyers, it is crucial to set aside funds for unexpected costs beyond just the down payment and closing costs.

Links referenced in this episode:

askralph.com
https://www.chexsystems.com/
Ask Ralph Show Livehttps://askralphpodcast.com/live
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are the top 9 reasons why small businesses fail? Oct 25, 2024

Are you a small business owner feeling overwhelmed by the challenges that come with running your own venture? You're not alone—many entrepreneurs face struggles that can lead to failure. This podcast dives into the top nine reasons why small businesses fail, from lack of market research to burnout, and offers valuable insights on how to avoid these pitfalls. More importantly, it emphasizes how faith can be a guiding force in transforming your business from merely surviving to thriving. Join Ralph as he shares hard-earned wisdom and practical strategies to help you navigate the tumultuous waters of entrepreneurship while staying true to your values. Ready to discover the key reasons why small businesses fail—and how you can succeed where others don’t? Tune in now!

https://www.askralphpodcast.com/reasons-small-businesses-fail/

Podcast Timestamps:

00:00 Episode Overview

01:15 Listener’s Question

02:50 Bible Verse: Philippians 4:13

04:46 What Are The 9 Reasons Small Businesses Fail?

04:57 #1 Lack of Market Research and Planning

07:03 #2 Poor Financial Management

09:16 #3 Ineffective Marketing

10:59 #4 Failure to Adapt

12:54 #5 Poor Leadership and Management

15:11 #6 Ignoring Customer Needs

17:02 #7 Rapid Expansion Without Proper Infrastructure

18:54 #8 Lack of Differentiation

20:24 #9 Burnout

22:48 Recap and Closing

Takeaways:

Small businesses often fail due to lack of market research; knowing your audience is crucial.
Effective financial management is vital; track income and expenses daily to avoid disaster.
Ignoring customer feedback can lead to losing clients; prioritize their needs for success.
Rapid expansion without infrastructure can create chaos; grow your business at a sustainable pace.
Poor leadership and management can drive employees away; develop your leadership skills to retain talent.
Burnout is a major risk; maintain a work-life balance to protect your health.

Links referenced in this episode:

https://www.amazon.com/Complaint-Gift-Customer-Feedback-Strategic/dp/1576755827
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
https://askralph.com/

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

Is it true that I can lose my passport if I don’t pay my taxes? Oct 24, 2024

Are you worried about losing your passport due to unpaid taxes? This episode dives into the serious concern many face when financial obligations clash with their travel dreams. Host Ralph Estep Jr. addresses a listener's question about the IRS's power to revoke passports for tax delinquents, revealing that it’s indeed possible but not an automatic consequence. Through the story of a client named John, Ralph illustrates the importance of confronting tax issues head-on and offers practical advice for seeking resolution. Tune in to learn how to navigate these challenges while maintaining your spiritual and financial integrity, ensuring you can pursue your passions without fear. Is it true that I can lose my passport if I don’t pay my taxes? Find out in this episode!

https://www.askralphpodcast.com/lose-my-passport/

Podcast Timestamps:

00:00 Episode Overview

01:06 Listener’s Question: Can I Lose My Passport Over Unpaid Taxes?

02:13 Bible Verse: Romans 13:7

03:22 Real-Life Story: A Client’s Struggle with Tax Debt and Passport Worries

04:49 The Bigger Picture

06:15 Tailored Strategies for Ralph's Client

09:18 What Was the Conclusion?

10:00 What Can We Learn from John’s (Client) Story?

13:22 Recap and Closing

Takeaways:

If you owe over $55,000 in taxes, the IRS can revoke your passport, so be proactive.
Ignoring tax notices can lead to serious consequences, including passport revocation and wage garnishments.
Establish a payment plan with the IRS to avoid penalties and resolve your tax debts.
Seeking professional help can simplify the process of dealing with the IRS effectively.
Communicate openly with the IRS; they often want to work with you on tax payments.
Your financial decisions reflect your faith; seek guidance to align them with your values.

Links referenced in this episode:

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
askralph.com

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How can I buy a house with no income? Oct 23, 2024

Are you dreaming of homeownership but feeling trapped by your financial situation? Ralph explores the reality that it is possible to buy a house without a steady income while also highlighting the critical pitfalls to avoid. He shares a cautionary tale about a client named John, whose decision to liquidate his 401K to purchase a home led to an $80,000 tax nightmare. With over 30 years of experience, Ralph provides insightful options for those like Debbie who are struggling to secure a new home after losing their job. This episode offers valuable wisdom on financial decision-making, emphasizing the importance of seeking professional guidance to navigate the complexities of home buying and answering the common question: How can I buy a house with no income?

https://www.askralphpodcast.com/buy-a-house/

Podcast Timestamps:

00:00 Episode Overview

01:15 Listener’s Question: How Can I Buy a House Without an Income?

03:18 Bible Verse: Proverbs 24:3-4

04:00 Real-Life Story: John’s 401(k) Cash Out and $80,000 Tax Bill

09:22 Options to Buy a House With No Income

15:14 Recap and Closing

15:40 Preview for Tomorrow’s Show

Takeaways:

Homeownership is possible even with no income, but it requires careful planning.
Avoid withdrawing from your 401K for a home purchase without professional guidance.
Consider using savings or inherited assets to qualify for a mortgage instead.
Rent-to-own agreements can provide a pathway to homeownership while you stabilize finances.
Getting a co-signer can help you qualify for a mortgage if you're unemployed.
Seek professional advice to avoid costly mistakes that could lead to financial disaster.

Links referenced in this episode:

https://www.askralphpodcast.com/exploration-of-gift-taxes/
https://www.askralphpodcast.com/cosign-for-a-loan/
https://www.consumerfinance.gov/ask-cfpb/can-i-use-a-reverse-mortgage-loan-to-buy-a-home-en-238/
https://www.askralphpodcast.com/deciphering-reverse-mortgages/
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
https://askralph.com/

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What is meant by surveillance pricing and does it cost us more? Oct 22, 2024

Surveillance pricing is a creeping reality in today's digital economy, impacting how much you pay for everyday products. As Ralph explores the unsettling practice of dynamic, personalized pricing, he reveals how companies use your online behavior and data to determine what price to charge you. This can lead to significant disparities in pricing for the same products, leaving consumers feeling manipulated and distrustful. Ralph provides insights on how to protect your finances from these tactics, emphasizing the importance of awareness and strategic online behavior. Additionally, he delves into the ethical implications of such practices from a Christian perspective, urging listeners to remain vigilant and maintain integrity in their financial dealings, while addressing the question: What is meant by surveillance pricing, and does it cost us more?

https://www.askralphpodcast.com/meant-by-surveillance-pricing/

Podcast Timestamps:

00:00 Episode Overview

01:58 Listener’s Question: How Does Surveillance Pricing Affect Me?

03:19 Bible Verse: Proverbs 11:1

03:58 What Is Surveillance Pricing?

05:53 Ralph’s Personal Experience with Surveillance Pricing

07:06 Why Businesses Use Surveillance Pricing

09:21 What Are Customer Advocates Saying?

12:03 How Do We Navigate This As A Christian?

14:46 Real-Life Client Experiences with Dynamic Surveillance Pricing

17:03 Recap and Call to Action

Takeaways:

Surveillance pricing is a modern tactic that varies product prices based on user data.
Understanding how dynamic pricing works can help consumers save money while shopping online.
Being aware of surveillance pricing practices can empower consumers to make informed purchasing decisions.
Using incognito browsing or VPNs can mask your online behavior and potentially lower prices.
Comparison shopping across different devices can reveal significant price discrepancies for the same items.
Recognizing the ethical implications of surveillance pricing aligns with Christian values of fairness and honesty.

Links referenced in this episode:

https://www.bookinglayer.com/article/best-online-travel-agencies
https://www.askralphpodcast.com/need-a-VPN/
https://www.askralphpodcast.com/staying-safe-online/
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
askralph.com

Companies mentioned in this episode:

Facebook
Google
Groupon
Rock Auto

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

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Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What happens if I outlive my life insurance? Oct 21, 2024

Worried about outliving your life insurance? You're not alone, as many people share the same concern about financial security for their loved ones after their policy expires. Ralph Estep Jr. addresses these worries head-on by exploring what happens when a life insurance policy runs out and offers practical strategies to ensure your family's financial future. He shares personal insights from his own experience with term life insurance and emphasizes the importance of reviewing your current policy and assessing your financial needs as circumstances change. With a focus on aligning financial decisions with faith, Ralph guides listeners through options for extending coverage, exploring alternative protection methods, and maintaining peace of mind even after a policy expires. Get answers to the pressing question, "What happens if I outlive my life insurance?"

https://www.askralphpodcast.com/outlive-my-life-insurance/

Podcast Timestamps:

00:00 Introduction to Life Insurance Concerns

00:14 Understanding Policy Expiration

00:48 Mitch's Listener Question

02:28 Bible Verse: Jeremiah 29:11

03:41 Real Life Story of a Client

06:12 Exploring Options Post-Policy

06:34 Steps To Prepare For A Change In Life Insurance

07:47 Assessing Financial Needs

11:18 Navigating Insurance Decisions

15:55 Recap and Closing

Takeaways:

Outliving a life insurance policy can raise concerns about financial security for loved ones.
Exploring options like converting term policies to permanent ones can be beneficial.
Assessing changing financial needs over time is crucial for determining life insurance necessity.
Combining life insurance with long-term care can provide additional financial protection.
Establishing a dedicated savings account can help manage future insurance costs effectively.
Life insurance premiums may increase with age and health changes, impacting affordability.

Links referenced in this episode:

https://www.askralphpodcast.com/life-insurance-needs/
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
askralph.com

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How can I use faith to rebuild my daily motivation? Oct 20, 2024

Are you feeling stuck in your financial journey and struggling to find motivation? Ralph shares his personal story of how faith can reignite that spark and drive you toward achieving your goals. He addresses a heartfelt listener message from Alison, a small business owner torn between her entrepreneurial ambitions and spiritual growth. Through relatable anecdotes and biblical encouragement, Ralph illustrates the transformative power of integrating faith into daily financial decisions. Join him as he provides actionable steps to help you rebuild your motivation and align your financial practices with your values, all while highlighting uplifting listener stories that showcase the impact of faith on financial well-being—and how you, too, can use faith to rebuild daily motivation.

https://www.askralphpodcast.com/rebuild-my-daily-motivation/

Podcast Timestamps:

00:00 Episode Overview

01:01 Listener's Question: How Can I Rebuild My Motivation Through Faith?

02:32 Bible Verse: Philippians 4:13 – Strength Through Christ

03:07 Real-Life Story: Ralph's Journey of Faith and Motivation

04:40 Integrating Faith into Financial Life

05:26 Messages from Listeners and Viewers of the Show

09:27 Action Steps for Using Your Faith to Rebuild Daily Motivation

12:56 Closing Prayer

Takeaways:

Integrating faith into your financial journey can provide a unique source of motivation.
Starting a gratitude journal can help you recognize and appreciate small financial blessings.
Finding an accountability partner can significantly enhance your financial discipline and motivation.
Understanding that budgeting is an act of worship can change your perspective on finances.
Daily prayer about your finances can lead to increased financial discipline and faith.
Balancing your entrepreneurial ambitions with spiritual growth is crucial for success.

Links referenced in this episode:

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
askralph.com

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are the 7 insurance options to consider to protect your retirement – a discussion all about supplemental insurance? Oct 19, 2024

Are you worried about unexpected medical bills that Medicare might not cover? Ralph Estep Jr. dives into the world of Medicare supplemental insurance, explaining how these policies can protect your hard-earned savings from potentially overwhelming healthcare costs. With real-life stories, he illustrates the stark difference between those who opted for supplemental coverage and those who faced financial strain without it. Ralph emphasizes the importance of careful planning and understanding the gaps in original Medicare coverage, as well as the value of enrolling in a Medigap policy during your open enrollment period. Join him as he shares essential tips and insights to help you navigate these crucial decisions with confidence, peace of mind, and protect your retirement.

https://www.askralphpodcast.com/protect-your-retirement/

Podcast Timestamps:

00:00 Episode Overview

01:40 Listener’s Question

02:48 Bible Verse: Proverbs 21:5

04:32 Real-Life Story of Ralph’s Clients

06:20 Medicare Supplement Policies Coverage

07:21 How Much Do Medicare Supplement Policies Cost?

09:45 Action Steps for Choosing Insurance

11:15 The Key Takeaway

12:03 Recap and Closing

Takeaways:

Medicare supplemental insurance can protect your savings from unexpected medical expenses.
Understanding the gaps in Medicare coverage is crucial for making informed insurance decisions.
Real-life stories illustrate the importance of having supplemental insurance during health crises.
Navigating Medicare decisions can be overwhelming, but proper planning is essential for financial security.
It's vital to assess your health needs and budget before choosing a Medigap plan.
Enrollment in a Medigap policy should ideally occur during your open enrollment period for maximum benefits.

Links referenced in this episode:

https://www.medicare.gov/basics/costs/medicare-costs
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
askralph.com

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

BONUS EPISODE - ASK RALPH SHOW LIVE FROM OCTOBER 15, 2024 Oct 19, 2024

Join Ralph in this engaging episode of the Ask Ralph podcast, where he tackles the critical question of how long to keep personal and business records, revealing that the IRS recommends retaining them for seven years. As he shares his extensive expertise, Ralph emphasizes the importance of understanding tax implications, especially for small business owners and those with unique financial situations. He also highlights the ongoing challenges posed by inflation on personal savings and investments, offering practical strategies to navigate these turbulent times. Additionally, Ralph answers listener questions about converting properties to rental status, the intricacies of Social Security benefits, and the tax obligations of hobbyist sellers. With a blend of humor and valuable insights, this episode of Ask Ralph Show - live from October 15 is a must-listen for anyone seeking clarity in their financial decisions.

https://www.askralphpodcast.com/LIVE-FROM-OCTOBER-15/

Podcast Timestamps:

00:02 Welcome to the Ask Ralph Podcast

01:29 Supporting Alzheimer's Walk

02:08 End of Tax Season Discussion

04:41 How Long to Keep Records?

07:52 Converting Property to a Rental

13:29 Estimated Tax Payments Explained

16:13 Tax Scams and How to Avoid Them

21:46 When to Start Taking Social Security

28:11 Impact of Inflation on Savings

31:05 Tax Implications of Hobbies and Selling Goods

38:23 Claiming Children as Dependents

42:12 Closing Thoughts and Encouragement

Takeaways:

Ralph emphasizes the importance of keeping personal and business records for up to seven years.
When converting property to a rental, check local legal requirements and permits first.
It's crucial to understand the tax implications of rental properties before making decisions.
Taking Social Security benefits early significantly reduces monthly payouts for the rest of your life.
Estimated tax payments are essential to avoid penalties when filing your annual tax return.
Starting a business for your hobby can provide tax advantages and protect personal assets from liability.

Links referenced in this episode:

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
askralphpodcast.com
askralphpodcast.com/alz

Companies mentioned in this episode:

Samaritan's Purse

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

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https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How much money do I need to have saved to cover health care costs in retirement? Oct 18, 2024

Are you worried about the staggering healthcare costs in retirement? Ralph dives into the critical question of how much money you really need to save for medical expenses as you age, highlighting that the average couple retiring in 2023 should expect to spend around $315,000 on healthcare. With many retirees facing financial ruin due to unexpected medical bills, Ralph shares eye-opening stories and practical advice to help you avoid such pitfalls. He emphasizes the importance of planning ahead, using real-life examples of clients who either flourished or floundered based on their healthcare strategies. Tune in for actionable steps you can take now to secure your financial future and ensure peace of mind in your golden years. Healthcare costs in retirement are not something you want to leave to chance.

https://www.askralphpodcast.com/health-care-costs-in-retirement/

Podcast Timestamps:

00:00 Episode Overview

01:57 Listener’s Question: Maggie’s Concerns About Healthcare Costs

02:50 Bible Verse: Ecclesiastes 11:2 – Planning for Future Costs

03:40 Real-Life Story: John’s Financial Struggle with Medical Expenses

07:33 Breaking Down the $315,000 Health Care Cost in Retirement

08:32 Key Factors to Consider for Healthcare Costs in Retirement

11:48 Real-Life Story: Tom & Linda - Comprehensive Healthcare Plan in Retirement

15:12 Practical Steps to Prepare for Health Care Costs in Retirement

19:07 Recap and Closing

Takeaways:

Healthcare costs in retirement can average around $315,000 for a 65-year-old couple, which is a significant amount.
Planning ahead is crucial to avoid financial disaster due to unexpected medical expenses later in life.
Using Health Savings Accounts (HSAs) can provide tax-free savings for healthcare costs, making them a smart tool for retirement planning.
Medicare does not cover all healthcare expenses, including long-term care and many services, leading to potential financial gaps.
Understanding your family health history and managing your health can significantly impact retirement healthcare costs.
Working with a financial advisor can help create a personalized plan to prepare for healthcare expenses in retirement.

Links referenced in this episode:

https://www.askralphpodcast.com/health-savings-accounts/
https://www.askralphpodcast.com/peace-of-mind/
ALZ Walk - https://nclvm.com/2yziv
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
https://askralph.com/

Companies mentioned in this episode:

Fidelity

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What is the rule of 55 and how can I use it to reduce my taxes? Oct 17, 2024

Are you feeling trapped in your job and dreaming of an early retirement? The rule of 55 might just be your ticket to accessing your 401(k) funds without penalties before reaching 59 and a half. Ralph dives deep into this little-known strategy that can potentially save you thousands in taxes and help you achieve financial freedom sooner than you thought possible. He shares real-life success stories, like that of his client Barry, who was able to retire a year early and start a new consulting business thanks to the rule of 55. Tune in as Ralph explains the ins and outs of this rule, including how to implement it and the important considerations to keep in mind for a smooth transition into retirement, and how you can use the rule of 55 to reduce your taxes.

https://www.askralphpodcast.com/rule-of-55/

Podcast Timestamps:

00:00 Episode Overview

01:52 Listener’s Question: Tammy's Concerns About Early Retirement

02:52 Bible Verse: Ecclesiastes 3:1-2 – Timing and Planning

03:59 Real-Life Story: Barry's Early Retirement Success with the Rule of 55

04:25 What is the Rule of 55?

05:20 How to Implement the Rule of 55 #1 Verify Your Age

05:31 #2 Check Your Plan

05:53 #3 Consolidate Accounts

06:20 #4 Plan Your Exit

06:37 #5 Budget Carefully

07:01 #6 Consider Tax Implications

07:39 Pros and Cons of Using the Rule of 55

10:01 Recap

13:12 Actionable Steps You Can Take Based on the Discussion

Takeaways:

The rule of 55 allows individuals to access their 401K funds without penalties if they leave their job during or after the year they turn 55.
Before utilizing the rule of 55, it's essential to confirm whether your employer's 401K plan permits early withdrawals; not all plans do.
While the rule of 55 provides earlier access to retirement funds, withdrawals are still subject to income tax, so plan accordingly.
Creating a sustainable withdrawal strategy is crucial to ensure your retirement savings last throughout your retirement years.
Consulting with a financial advisor can help you navigate the complexities of early retirement and the rule of 55.
Preparing a detailed exit strategy is necessary to effectively implement the rule of 55 and transition into retirement smoothly.

Links referenced in this episode:

https://www.irs.gov/taxtopics/tc558
https://www.bankrate.com/retirement/rule-of-55/
ALZ Walk - https://nclvm.com/2yziv
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
https://askralph.com/

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

Should I purchase special medical insurance when I travel abroad? Oct 16, 2024

Are you planning a trip abroad and wondering if travel medical insurance is really necessary? In this podcast, we explore the crucial importance of purchasing specialized medical insurance for international travel, especially in light of the financial risks posed by unexpected medical emergencies. Ralph shares personal stories, including a frightening experience when his mother-in-law had an accident in France, which could have led to tens of thousands of dollars in medical bills without proper coverage. The discussion emphasizes the need to be prepared for the unexpected and the peace of mind that comes from having the right insurance. Tune in as Ralph outlines key reasons to secure travel medical insurance, from the high cost of medical care abroad to the potential need for emergency evacuations. You'll come away informed and ready to answer the question: Should I purchase special medical insurance when I travel abroad?

https://www.askralphpodcast.com/when-I-travel-abroad/

Podcast Timestamps:

00:00 Episode Overview

02:07 Listener’s Question: Concerns About Medical Costs While Traveling Abroad

03:04 Bible Verse: Proverbs 22:3

04:19 Real-Life Story: Ralph’s Mother-in-Law’s Medical Emergency in France

07:02 Why You Should Consider Special Medical Insurance #1 Limited Coverage

07:28 #2 High Costs

08:05 #3 Medicare Considerations

08:28 #4 Emergency Evacuation

09:09 #5 Peace of Mind

09:28 Travel Medical Insurance Considerations

11:41 Recap and Closing

Takeaways:

Traveling abroad without adequate medical insurance can lead to devastating financial consequences.
Purchasing travel medical insurance provides peace of mind while exploring foreign countries.
Unexpected medical emergencies can occur while traveling, making insurance a wise investment.
Most domestic health insurance plans, including Medicare, offer limited coverage outside the United States.
Travel medical insurance can cover emergency evacuations that could cost tens of thousands of dollars.
It's essential to consider the specific coverage details, especially for adventure activities.

Links referenced in this episode:

ALZ Walk - https://nclvm.com/2yziv
Best Travel Insurance Companies 2024 - https://www.forbes.com/advisor/l/best-travel-insurance/?utm_source=google&utm_medium=cpc&utm_campaign=20805316221&accoun]d=17033
What question would you like to ask Ralph? Send Your Question here: https://justaskralph.com/
askralph.com

Companies mentioned in this episode:

Forbes

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

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ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are some of the best online deals banks offer for opening a new account? Oct 15, 2024

Are you feeling undervalued by your current bank? This episode dives into the world of online banking, highlighting the incredible perks and bonuses that could significantly boost your financial situation. Ralph Estep Jr. shares valuable insights on how making the switch to an online bank could lead to higher interest rates, substantial sign-up bonuses, and a range of convenient features that traditional banks can't offer. He addresses common concerns about online banking security and the personal touch, reassuring listeners that modern online banks provide robust customer support and advanced security measures. Join Ralph as he answers a listener's question and empowers you to take control of your finances and explore the best online deals banks offer for opening a new account.

https://www.askralphpodcast.com/online-deals-banks-offer/

Podcast Timestamps:

00:00 Episode Overview

01:44 Listener’s Question: Trey’s Concerns About Online Banking

02:30 Bible Verse: Proverbs 27:23-24

04:19 Real-Life Story: Tom’s Experience Switching to an Online Bank

05:43 Sign-Up Bonuses of Opening a New Checking Account

05:58 Real-Life Story: Harry’s Experience Opening a New Checking Account with Sign-Up Bonuses

06:42 Customer Service and Security Concerns of Online Banking

07:15 Real-Life Story: Mike’s Experience With Online Banking Security

07:54 Article from NerdWallet About Best Banks and Credit Unions

07:59 Perks of Online Banking

09:06 Real Life Story: Lisa’s Experience on Switching to an Online Bank that Offers All These Perks

10:00 Banks and Credit Unions Currently Offering Great Perks

11:19 Recap and Conclusion

Takeaways:

Many online banks offer substantial bonuses for opening new accounts, which can add extra cash to your finances.
Switching to an online bank can lead to higher interest rates on savings than traditional banks.
Security concerns about online banking are mitigated by advanced technology and customer support options.
No monthly maintenance fees and no minimum balance requirements are common perks of online banking.
Budgeting tools included in banking apps can significantly help you manage your finances more effectively.
High-yield savings accounts could allow your money to grow faster than with traditional banks.

Links referenced in this episode:

ALZ Walk - https://nclvm.com/2yziv
https://www.askralphpodcast.com/bank-bonus-game/
https://www.nerdwallet.com/p/best/banking/best-banks-and-credit-unions
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
askralph.com

Companies mentioned in this episode:

Ally Bank
Discover Bank
Capital One 360
Chime
SoFi

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are the 5 most common places retirees spend their money in retirement? Oct 14, 2024

Retirement can bring unexpected financial surprises, and understanding where your money is likely to go is crucial for enjoying your golden years. This episode uncovers the five most common areas where retirees tend to spend their money: healthcare, housing, travel, family support, and food and entertainment. Through real-life stories from clients, host Ralph Estep Jr. highlights how many retirees, like Tom and Linda, face hidden costs they hadn’t planned for, from medical expenses to home maintenance. Additionally, he emphasizes the importance of budgeting and having open conversations with family about financial expectations. Join us as we explore these critical insights and equip you with actionable strategies to navigate your retirement finances effectively, as we answer the key question: What are the most common places retirees spend their money in retirement?

https://www.askralphpodcast.com/money-in-retirement/

Podcast Timestamps:

00:00 Episode Overview

02:03 Listener’s Question: Betty’s Concerns About Retirement Spending

02:58 Bible Verse: Matthew 6:34 – Trusting God with Your Financial Future

03:51 The 5 Most Common Places Retirees Spend Their Money in Retirement

04:02 #1 Healthcare Costs

05:11 #2 Housing and Maintenance

06:35 #3 Travel and Leisure Expenses

08:01 #4 Family Support

09:20 #5 Food and Entertainment

10:37 Actionable Steps to Prepare for Retirement Spending

10:48 #1 Create a Detailed Retirement Budget

11:15 #2 Consider Long-Term Care Insurance

11:35 #3 Look into Downsizing or Relocating to Reduce Housing Costs

12:13 #4 Plan for Travel and Leisure Wisely

12:25 #5 Have Open Conversations with Family Members

12:40 #6 Consider Part-Time Work or Consulting

12:53 #7 Comprehensive Cost Analysis

14:14 Recap and Conclusion

Takeaways:

Retirees often spend more on healthcare than expected, making it crucial to budget accordingly.
Housing costs, including maintenance and property taxes, can significantly impact retirement finances.
Travel and leisure can quickly consume retirement savings, necessitating strategic planning for expenditures.
Financial support for adult children can unexpectedly strain a retiree's budget, requiring open discussions.
Dining out and entertainment often increase in retirement, leading to higher monthly expenses than anticipated.
Creating a detailed retirement budget is essential for managing finances and avoiding financial stress.

Links referenced in this episode:

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
askralph.com
ALZ Walk -https://nclvm.com/2yziv

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How do I effectively embrace God's gift of rest? Oct 13, 2024

Are you feeling overwhelmed and struggling to find peace in your hectic life? Today, Ralph addresses the vital question of how to effectively embrace God's gift of rest. He shares personal insights and practical steps to help listeners find balance between their work, faith, and personal lives without burning out. Ralph emphasizes that rest is not just a luxury but a necessity for our well-being, highlighting how intentional rest can actually increase productivity and deepen our connection with God. Tune in as he offers encouragement and guidance for anyone feeling exhausted and disconnected, reminding us all that we must prioritize rest to realign our lives with God's purpose. So, how do I effectively embrace God's gift of rest? Find out in this episode!

https://www.askralphpodcast.com/gift-of-rest/

Podcast Timestamps:

00:00 Episode Overview

00:51 Listener’s Question: Gina’s Struggles with Work-Life Balance

02:02 Bible Verse: Matthew 11:28-30 – Finding Rest in Christ

02:52 Real-Life Story: Ralph’s Journey from Burnout to Peace

04:50 Practical Steps to Embrace God’s Gift of Rest #1 Start Small by Setting Aside Time for Reflection

05:05 #2 Establish a Weekly Sabbath

05:23 #3 Redefine Productivity Through God's Lens

05:38 #4 Create Boundaries Between Work and Rest

05:57 #5 Practice Mindfulness and Be Present with God

06:11 #6 Embrace Nature

08:44 Pray Together

09:28 Recap and Conclusion

Takeaways:

Embracing God's gift of rest is essential for spiritual and emotional well-being.
Taking intentional breaks can lead to increased productivity and deeper connection with God.
Setting boundaries around work hours can help maintain balance in a hectic life.
Practicing mindfulness allows us to be fully present and appreciate each moment we have.
Establishing a Sabbath day is a way to honor God and recharge our spirits.
Connecting with nature can provide a peaceful retreat and enhance our sense of renewal.

Links referenced in this episode:

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
askralph.com

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are the differences between a revocable and irrevocable trust? Oct 12, 2024

Are you worried about what will happen to your hard-earned assets after you're gone? Understanding the differences between a revocable and irrevocable trust is crucial for protecting your legacy and ensuring your wishes are fulfilled. Ralph Estep Jr. dives deep into the nuances of these two types of trusts, emphasizing how a revocable trust offers flexibility and control over your assets during your lifetime, while an irrevocable trust can provide significant tax benefits but at the cost of relinquishing ownership. With real-life examples, including a story about a client named Dave, Ralph illustrates the importance of planning for the future and adapting to life’s unpredictable changes. Tune in for valuable insights that break down the differences between a revocable and irrevocable trust, helping you make informed decisions about your financial future and peace of mind.

https://www.askralphpodcast.com/revocable-and-irrevocable-trust/

Podcast Timestamps:

00:00 Episode Overview

00:54 Listener’s Question: Brittany’s Concerns About Estate Planning

02:32 Bible Verse: Proverbs 13:22 – A Good Steward Leaves an Inheritance

03:50 Real-Life Story: Dave’s Decision to Set Up a Revocable Trust

05:00 Revocable Trust: Flexibility and Control

05:30 Modifying or Dissolving the Trust

06:10 Maintaining Control of Assets

06:50 Irrevocable Trust: Permanent but Offers Tax Benefits

07:30 Reducing Estate Taxes with an Irrevocable Trust

08:00 Asset Protection Against Creditors

10:40 Key Takeaways #1 Why Revocable Trust is Likely Your Best Bet

10:59 #2 Why Irrevocable Trust Might Be Worth Considering

11:16 #3 Trusts are Complex Legal Tools

11:26 #4 Consider Your Current Circumstances but Think About Potential Future Changes in Life

11:48 #5 Don’t Let Fear Paralyze You

12:17 Recap and Closing

Takeaways:

Understanding the difference between revocable and irrevocable trusts is crucial for protecting your legacy.
A revocable trust allows you to maintain control over your assets during your lifetime.
Irrevocable trusts can offer significant tax benefits but require relinquishing control over the assets.
Consult with a qualified attorney before making any decisions about trusts to ensure proper understanding.
Flexibility is a major advantage of revocable trusts, allowing for easy adjustments as life changes.
Don't let fear of making the wrong decision prevent you from taking action on your estate planning.

Links referenced in this episode:

ALZ WALK - https://nclvm.com/2yziv
https://www.askralphpodcast.com/estate-planning-chat-with-attorney-kevin-baird/
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
askralph.com

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

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https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are 9 signs that show that I am financially secure? Oct 11, 2024

Are you truly financially secure, or do you lie awake at night wondering if your savings can handle unexpected expenses? In this episode, Ralph explores what financial security really means, emphasizing that it’s not just about the numbers in your bank account. From building a solid emergency fund to creating multiple income streams, these factors indicate how well-prepared you are for life’s financial surprises. Ralph also highlights the importance of contentment and aligning your resources with your values for true peace of mind. Join him as he walks you through practical steps to assess your financial health, including 9 signs that show that I am financially secure, so you can cultivate a lasting sense of stability that goes beyond just accumulating wealth.

https://www.askralphpodcast.com/I-am-financially-secure/

Podcast Timestamps:

00:00 Episode Overview

01:17 Listener’s Question: Carlos’ Worries About Financial Insecurity

03:13 Bible Verse: Philippians 4:11-13 – Contentment and Financial Security

04:15 Real-Life Story: Tom’s Journey from Financial Success to Feeling Insecure

05:36 The 9 Signs of Financial Security

05:57 #1 Having a Robust Emergency Fund

06:20 #2 Consistently Saving for Retirement

06:56 #3 Keeping Debt Under Control

07:25 #4 Adequate Insurance Coverage

08:06 #5 Living Below Your Means

08:32 #6 Multiple Income Streams

09:16 #7 Positive Net Worth

10:18 #8 Ability to Handle Financial Setbacks

11:50 #9 Generous Giving

18:20 Action Steps to Achieve Financial Security

18:28 #1 Create Your Own Personal Financial Statement

18:50 #2 Review Your Spending Habits

19:04 #3 Set Specific, Measurable Financial Goals

19:46 #4 Create Multiple Income Streams

20:21 #5 Make a Plan for Generous Giving

20:50 #6 Educate Yourself About Personal Finance

21:09 #7 Consider Working with a Financial Advisor

21:26 Conclusion

Takeaways:

Financial security encompasses more than just numbers; it's about peace of mind and confidence.
A robust emergency fund can alleviate financial anxiety and prepare you for unexpected expenses.
Living below your means allows for savings, giving, and ultimately, financial peace.
True financial security involves having a holistic understanding of your financial situation.
Contentment is a crucial component of financial security, surpassing mere financial success.
Creating a personal financial statement gives you a clear snapshot of your financial health.

Links referenced in this episode:

ALZ Walk - https://nclvm.com/2yziv
https://www.askralphpodcast.com/setting-smart-financial-goals/
https://www.askralphpodcast.com/building-an-emergency-savings-fund/
https://www.askralphpodcast.com/life-insurance-needs/
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
askralph.com

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

Why states with no income tax aren’t as affordable as they may seem? Oct 10, 2024

Are you considering a move to a no-income-tax state, dreaming it will solve all your financial problems? This episode reveals why these states might not be the financial paradise you envision. Host Ralph Estep Jr. shares the cautionary tale of his client Jim, who moved to Tennessee only to be overwhelmed by hidden costs, such as high sales and property taxes, that negated his expected savings. The discussion dives into the complexities of tax structures, emphasizing the importance of a comprehensive cost analysis beyond just income tax savings. Tune in as Ralph provides actionable advice for anyone contemplating a major move, ensuring you're well-informed and prepared for the financial realities ahead when looking at a state with no income taxes.

https://www.askralphpodcast.com/state-with-no-income-taxes/

Podcast Timestamps:

00:00 Episode Overview

02:17 Listener’s Question: Dana’s Worries About Moving to Florida

03:20 Bible Verse: Proverbs 14:15 – Be Prudent in Financial Decisions

04:11 Real-Life Story: Jim’s Move to Tennessee and Unexpected Costs

05:54 Hidden Costs of Living in No-Income-Tax States

08:30 #1 High Sales Taxes

08:44 #2 Property Taxes That Offset Savings

09:00 #3 Business and Other Hidden Taxes

09:13 #4 Increased Cost of Living in Desired Areas

09:45 Actionable Steps to Evaluate Moving to a No-Income-Tax State

09:57 #1 Do a Comprehensive Cost Analysis

10:20 #2 Consider Your Lifestyle and Spending Habits

10:36 #3 Think Long-Term and How Costs Could Change

10:54 #4 Consult a Tax Professional for Full Guidance

11:08 #5 Visit Before You Move

11:41 Recap and Conclusion

Takeaways:

No income tax states often compensate with higher sales taxes and property taxes, impacting overall affordability.
Jim's experience highlights the hidden costs of living in no income tax states that many overlook.
A comprehensive cost analysis is essential before moving to a no income tax state.
Consider your personal spending habits, as they significantly affect your overall tax burden.
Consulting a financial professional can help you understand the broader financial picture before relocating.
Visiting and spending time in a potential new state can provide valuable insights into living costs.

Links referenced in this episode:

What is your question that you would like to ask Ralph? Send Your Question here: justaskralph.com
askralph.com

Website Mentioned:

Team page for the Alzheimer’s Association Walk to End Alzheimer's®- https://nclvm.com/2yziv

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How do I handle lending money to friends and family and what are the tax issues related to making those loans? Oct 09, 2024

Navigating the tricky waters of lending money to friends and family can be fraught with emotional and financial risks. Ralph dives deep into this topic, emphasizing that it might often be wiser to consider such transactions as gifts rather than loans to preserve relationships. He shares a cautionary tale about Stephanie, who lent her brother money to help his business, only to face late payments, strained relations, and ultimately, a courtroom battle that tore their family apart. As Ralph unpacks the complexities of these lending scenarios, he highlights the importance of clear agreements, understanding tax implications, and prioritizing relationships over money. Throughout the discussion, Ralph addresses the key question: "How do I handle lending money to friends and family and what are the tax issues related to making those loans?"—offering practical, thoughtful advice on how to approach these delicate situations with grace and financial wisdom.

https://www.askralphpodcast.com/lending-money-to-friends/

Podcast Timestamps:

00:00 Episode Overview

01:00 Listener’s Question: Alex’s Dilemma About Lending $10,000 to His Sister

02:25 Bible Verse: Proverbs 22:7

03:30 Real-Life Story: Stephanie’s Broken Relationship After Lending to Her Brother

08:04 What to Consider Before Lending to Friends or Family #1 Put Everything in Writing

08:35 #2 Charge Interest

09:03 #3 Keep Good Records

09:37 #4 Consider Collateral

09:56 #5 Be Prepared to Report the Interest

10:30 Recap and Closing

Takeaways:

Lending money to family can strain relationships; consider giving without expectation of repayment.
It's crucial to formalize any loan agreement to protect your financial interests.
Understanding the tax implications of loans and gifts is essential for financial planning.
Always approach lending to friends and family with a mindset of potential loss.
Consider the emotional impact of lending; relationships are often more valuable than money.
Maintain clear records of all transactions to avoid misunderstandings and legal disputes.

Links referenced in this episode:

https://www.askralphpodcast.com/exploration-of-gift-taxes/
What is your question that you would like to ask Ralph? Send Your Question here: justaskralph.com
askralph.com

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are 7 ways my bank can help me stick to my budget? Oct 08, 2024

Are you struggling to keep your spending in check and feeling overwhelmed by your finances? You're not alone. Today, Ralph shares seven powerful ways your bank can help you stick to your budget and regain control of your financial life. From utilizing budgeting tools and spending analysis to setting up alerts and automating savings, these strategies are designed to empower you to make informed decisions about your money. Ralph also tells the inspiring story of his client, Henry, who turned his financial situation around using online banking tools, proving that with the right resources, you too can break free from the paycheck-to-paycheck cycle. Join Ralph as he equips you with practical tools and wisdom to take charge of your finances and shows you how to use “7 ways my bank can help me stick to my budget” to achieve your financial goals.

https://www.askralphpodcast.com/stick-to-my-budget/

Podcast Timestamps:

00:00 Episode Overview

00:58 Listener’s Question: Keith’s Struggles with Sticking to a Budget

02:20 Bible Verse: Proverbs 27:23-24 – Managing Resources Wisely

03:08 Real-Life Story: Henry’s Financial Turnaround Using His Bank’s Tools

04:01 The 7 Ways Your Bank Can Help You Stick to Your Budget #1 Budgeting Tools to Set Spending Limits

04:46 #2 Spending Analysis for Tracking Expenses

05:41 #3 Account Alerts for Balance and Bill Reminders

06:26 #4 Automatic Savings Transfers to Build an Emergency Fund

07:17 #5 Bill Pay Services to Avoid Late Fees

08:24 #6 Mobile Check Deposits for Convenience

09:16 #7 Fraud Alerts to Protect Against Unauthorized Transactions

11:58 Recap and Conclusion

Takeaways:

Your bank's budgeting tools can provide a clear picture of where your money is going each month.
Setting up alerts for account balances and bill due dates can prevent costly overdraft fees.
Automating your savings can help build an emergency fund and achieve financial goals effortlessly.
Analyzing your spending habits regularly allows you to make informed decisions about your finances.
Using online bill pay services can save you time and help avoid late payment fees.
Implementing fraud alerts is essential to protect your finances from unauthorized transactions.

Links referenced in this episode:

What is your question that you would like to ask Ralph? Send Your Question here: justaskralph.com
askralph.com

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What do experts say about how much is the maximum amount to deposit to a CD? Oct 07, 2024

Are you feeling anxious about your savings and the stock market? Today, Ralph Estep Jr. dives into the world of Certificates of Deposits (CDs) and explores how they can be a powerful tool for maximizing your savings while minimizing risk. Learn about the benefits of using CDs as an investment vehicle, including creating a CD ladder for balanced performance. You'll also hear a compelling personal story about a client who has successfully grown his wealth through a strategic approach to CDs. Join us as we answer the question: How can CDs help you achieve financial stability and peace of mind? And what do experts say about how much is the maximum amount to deposit into a CD? Find out as we provide insights that can help you make smart, risk-averse investment choices for your future.

https://www.askralphpodcast.com/maximum-amount-to-deposit/

Podcast Show notes:

00:00 Episode Overview

01:22 Listener’s Question: John’s Concern About CD Investments

02:20 Bible Verse: Proverbs 21:5

03:30 Real-Life Story: Tom’s CD Strategy and How It Paid Off

07:30 Actionable Steps to Maximize CD Investments #1 Start Small - Deposit as Low as $500 or $1,000

07:44 #2 Create a Ladder.

08:26 #3 Stay Within FDIC Limits

08:50 #4 Reinvest Regularly

09:36 #5 Keep Some Money Liquid

11:27 Conclusion

Takeaways:

Certificates of deposits (CDs) can be a secure and reliable investment option for savings.
A CD ladder strategy allows you to leverage higher interest rates over time.
Staying within the FDIC insurance limit of $250,000 per bank per depositor is essential.
Reinvesting your principal and interest from maturing CDs can lead to compound growth.
Maintaining a portion of your savings liquid is crucial for emergencies.
Understanding inflation is essential when considering CDs as part of your financial strategy.

Links referenced in this episode:

What is your question that you would like to ask Ralph? Send Your Question here: justaskralph.com
askralph.com

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How do I learn to effectively apologize? Oct 06, 2024

Apologizing effectively is a crucial skill that can save relationships, enhance partnerships, and promote personal growth. In this episode, Ralph dives into the art of making a meaningful apology, emphasizing that simply saying "I'm sorry" often falls short. He shares his own journey of learning to apologize, highlighting the five essential components: acknowledgment, responsibility, remorse, restitution, and repentance. Through personal anecdotes and biblical insights, Ralph illustrates how a genuine apology can transform not just marriages, but all relationships. By incorporating these elements into your apologies, you can foster deeper connections, improve communication, and ultimately learn to effectively apologize, leading to a more harmonious and fulfilling life.

https://www.askralphpodcast.com/learn-to-effectively-apologize/

Podcast Show notes:

00:00 Episode Overview

01:05 Listener’s Question from Valerie

02:27 Bible Verse: James 5:16

03:38 Ralph’s Personal Story of Learning to Apologize

05:07 The Five Components of an Effective Apology #1 Acknowledgement

05:19 #2 Responsibility

05:29 #3 Remorse

05:36 #4 Restitution

05:43 #5 Repentance

09:52 Action Steps to Take #1 Reflect on Your Recent Conflicts

10:06 #2 Practice Crafting Apologies that Include All Five Components

10:21 #3 Have an Honest Conversation

10:47 #4 Consider Seeking a Counselor or Attending a Marriage Workshop

11:16 #5 Pray Together

11:50 Prayer

12:32 Recap and Conclusion

Takeaways:

An effective apology involves acknowledgment, responsibility, remorse, restitution, and repentance to foster healing.
It's crucial to take responsibility for your actions without making excuses or shifting blame.
Expressing genuine remorse is not just about saying sorry, but about feeling it deeply.
Restitution means offering to make amends and actively working to correct your mistakes.
Repentance is about committing to change future behaviors and avoiding past mistakes.
Incorporating these elements into apologies can strengthen relationships and enhance communication.

Links referenced in this episode:

What is your question that you would like to ask Ralph? Send Your Question here: justaskralph.com
askralph.com

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are 9 terrible pieces of money advice to ignore if you want to get rich? Oct 05, 2024

Navigating the world of financial advice can be overwhelming, especially with the multitude of contradictory opinions out there. This podcast dives into the nine terrible pieces of money advice that you should ignore if you truly want to build wealth. Ralph shares eye-opening stories from clients who have followed misguided recommendations, leading to costly mistakes. From the misconception that credit cards are inherently evil to the idea that you should always prioritize high-paying jobs, the discussion highlights the importance of critical thinking and personalized financial strategies. Tune in for insightful advice and witty humor, and discover the 9 terrible pieces of money advice to ignore if you want to get rich—along with actionable steps to improve your financial health!

https://www.askralphpodcast.com/want-to-get-rich/

Podcast Show Notes:

00:00 Episode Overview

01:19 Listener’s Question: Jason’s Experience with Conflicting Financial Advice

02:20 Bible Verse: Proverbs 14:15 – Being Cautious About Financial Advice

03:13 Real-Life Story: Jennifer’s Financial Mistakes After Following Bad Advice

03:58 The 9 Terrible Pieces of Money Advice to Ignore

04:05 #1 “Credit Cards Are Evil, Cut Them Up and Never Use Them Again”

06:24 #2 “If You Love a Product, Buy the Company’s Stock”

07:43 #3 “Young People Should Take High-Risk Investments”

09:12 #4 “Renting Is Throwing Money Away; You Should Buy a House ASAP”

10:36 #5 “You Don’t Need a Budget, Just Spend Less Than You Earn”

11:58 #6 “You Need the Latest Gadgets to Impress Clients”

13:12 #7 “Always Go for the Highest Paying Job”

14:12 #8 “Single People Don’t Need Life Insurance”

15:40 #9 “Tithing Is Old-Fashioned and Shouldn’t Be a Priority”

22:00 Actionable Steps on Today’s Discussion

23:25 Conclusion

Takeaways:

Credit cards can be useful financial tools when used responsibly and with care.
Investing in a company just because you love its products can lead to losses.
A balanced investment portfolio is essential for young investors, not just high-risk options.
Renting can be smarter than buying a home based on personal circumstances and flexibility.
Proper budgeting is crucial for financial success and understanding cash flow effectively.
Life insurance is valuable even for singles, as it can cover debts and expenses.

Links referenced in this episode:

What is your question that you would like to ask Ralph? Send Your Question here: justaskralph.com
askralph.com
https://www.askralphpodcast.com/with-my-credit-card/
https://www.askralphpodcast.com/rent-or-buy/

Companies mentioned in this episode:

University of Nebraska

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What are the 7 best investment choices for frugal people? Oct 04, 2024

Are you feeling too frugal to invest? You’re not alone, and today’s discussion tackles this common concern while highlighting the importance of smart investing for those who are naturally cautious with their finances. Ralph Estep Jr. shares seven excellent investment options tailored for frugal individuals, emphasizing that being thrifty and a savvy investor can go hand in hand. Drawing on a compelling story about a client named Tom, Ralph illustrates how a frugal mindset can actually enhance investment decisions, allowing for wealth growth without incurring high fees. By exploring the best investment choices for frugal people, you'll discover how to make your money work for you while staying true to your frugal nature.

https://www.askralphpodcast.com/choices-for-frugal-people/

Podcast Show notes:

00:00 Episode Overview

01:10 Listener’s Question: Hillary’s Dilemma About Investing as a Frugal Person

02:45 Bible Verse: Matthew 25:14-30 – The Parable of the Talents

04:27 Real-Life Story: Tom’s Journey from Fearful Saver to Confident Investor

06:31 The 7 Best Investment Choices for Frugal People

06:58 #1 Low-Cost Index Funds

07:44 #2 Exchange-Traded Funds (ETFs)

08:14 #3 High-Yield Savings Accounts

08:53 #4 Certificates of Deposit (CDs)

09:35 #5 U.S. Treasury Securities

10:10 #6 Dividend Reinvestment Plans (DRIPs)

10:42 #7 Robo-Advisors

13:13 Takeaway to Start Your Investment Journey #1 Your Frugal Mindset Can Make You a Great Investor

13:23 #2 Start with Low-Cost Index Funds or ETFs

13:37 #3 Don't Neglect The Power of High-Yield Savings Accounts and CDs

14:00 #4 Consider the U.S. Treasury Securities

14:23 #5 Look Into Dividend Reinvestment Plans

14:44 #6 Consider a Low-Cost Robo-Advisor

14:53 #7 Investing is About the Long Game

15:24 Conclusion

Takeaways:

Frugality and smart investing can go hand in hand, creating wealth over time.
Investing in low-cost index funds is a great starting point for frugal investors.
High-yield savings accounts can provide better returns while keeping your money safe.
Consider using U.S. Treasury securities for a conservative, low-risk investment option.
Dividend reinvestment plans allow you to buy stocks directly and grow your investment.
Robo-advisors can be a low-cost, hands-off investment option for those who prefer it.

Links referenced in this episode:

treasurydirect.gov
What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
https://askralph.com/

Companies mentioned in this episode:

S & P 500

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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What is the tax impact of getting a lump sum versus routine payout of retirement? Oct 03, 2024

In today's episode of the Ask Ralph podcast, we delve into the vital decision of choosing between a lump sum and annual retirement payouts, a choice that can significantly impact your financial future. Ralph Estep Jr unpacks the tax implications, budgeting considerations, and investment opportunities associated with each option, using illustrative stories of two clients, Joe and Fred, to highlight the real-world effects of their decisions. Joe opted for a steady monthly payout, enjoying the stability and predictability it offered, while Fred chose a lump sum, granting him more control and potential for higher investment returns, but with increased responsibility. Throughout the episode, Ralph emphasizes the importance of careful planning, strategic tax management, and understanding one's own risk tolerance, urging listeners to consider professional advice when navigating these complex financial waters. As the episode wraps up, listeners are reminded of the importance of diligent planning, echoing biblical wisdom, and are encouraged to tune in tomorrow for more valuable insights on financial decision-making. Are you nearing retirement and wondering What Is the Tax Impact of Getting a Lump-Sum Versus Routine Payout of Retirement?

https://www.askralphpodcast.com/lump-sum-versus-routine/

Podcast Show Notes:

00:00 Episode Overview

00:58 Listener’s Question: Ryan’s Dilemma about Lump Sum vs. Annual Payments

01:50 Bible Verse: Luke 14:28-30

02:44 Real-Life Story: Joe and Fred’s Retirement Choices

05:00 5 Key Tax and Financial Implications of Retirement Payouts

05:45 #1 Joe’s Choice: Monthly Payout and Financial Routine

06:30 #2 Fred’s Choice: Lump Sum Payout and Flexibility

07:15 #3 Tax Differences: Monthly Income vs. Lump Sum

08:00 #4 Investment Control and Risk Management

08:45 #5 The Impact on Long-Term Financial Stability

12:38 Action Steps to Make a Better Retirement Decision #1 Assess Your Budget Needs

12:53 #2 Evaluate Your Risk Tolerance

13:23 #3 Talk to a Tax Professional

13:52 #4 Plan For Flexibility

14:05 #5 Think Long-Term and Plan for Future Needs

16:22 Recap and Closing

Takeaways:

Choosing between a lump sum and monthly retirement payout requires understanding the impact on taxes.
The decision on retirement payouts should factor in your risk tolerance and financial goals.
Lump sum payouts give more control but require careful financial management to avoid tax pitfalls.
Monthly payouts offer stability but limit investment opportunities compared to lump sum options.
Spreading large withdrawals over multiple tax years can help minimize the tax burden.
Consulting a financial advisor can help tailor retirement payout strategies to individual needs and situations.

Links referenced in this episode:

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/
https://askralph.com/

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Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

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Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

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What are 9 unexpected costs of selling your home? Oct 02, 2024

Ralph dives into the often-overlooked hidden costs of selling a home, a topic that can leave many homeowners unprepared and financially strained. He outlines nine unexpected expenses, from presale home inspections to capital gains taxes, that can significantly impact your wallet. Ralph emphasizes the importance of budgeting and preparation to manage these costs effectively, drawing on real-life stories of homeowners who faced surprising hurdles during their selling process. By weaving in a biblical perspective, specifically Proverbs 24:27, Ralph underscores the value of planning and preparation in life’s major decisions. Throughout the episode, Ralph offers actionable steps to help listeners navigate the financial complexities of selling a home, always focusing on achieving financial freedom and peace of mind. Discover 9 unexpected costs of selling your home with Ralph's expert insights on financial planning, unexpected expenses, and stress management strategies.

The Ask Ralph podcast episode delves into the often-overlooked hidden costs of selling a home. Ralph, the experienced host, emphasizes the financial surprises that can arise during the home selling process, which many sellers are unprepared for. He outlines nine unexpected expenses, starting with a pre-sale home inspection, which Ralph argues is a wise investment to identify potential issues early on. Home staging, another significant cost, can range from $2,000 to $3,500 and is crucial in a competitive real estate market.

Ralph also highlights the importance of budgeting for unexpected repairs that arise from inspections, sharing anecdotes about clients who faced unforeseen expenses ranging from electrical updates to gutter replacements. He stresses the significance of curb appeal and professional cleaning, both essential for making a positive first impression on buyers. Real estate commissions, usually 5-6% of the sales price, are another major expense that sellers should consider. Ralph touches upon the evolving regulations affecting these commissions and advises sellers to stay informed about these changes.

Further, Ralph discusses closing costs, moving expenses, and potential capital gains taxes as additional financial considerations. He shares engaging stories from his clients to illustrate these points, such as unexpected raccoon removal costs or last-minute dock repairs that nearly derailed a sale. Throughout the episode, Ralph offers practical advice, urging listeners to prepare financially by saving early, getting pre-listing inspections, and being ready to negotiate unexpected costs. The episode concludes with Ralph encouraging listeners to reach out for personalized financial advice, emphasizing the importance of planning and preparation in the home selling journey.

Takeaways:

Ralph discusses nine unexpected costs when selling a home that could affect your financial outcome.
It's important to budget for unexpected costs that may arise during the home selling process.
A presale home inspection, costing $300-$500, helps identify issues before buyers do.
Consider home staging to make your home more appealing, typically costing between $2,000 and $3,500.
Real estate commissions, usually 5-6% of the sale price, should be factored into your budget.
Unexpected repair costs, like updating an electrical system, can be significant and potentially derail sales.
Ralph recommends starting to save early, aiming for about 3% of your expected sale price.
Be prepared for unusual buyer requests, such as wildlife removal or dock repairs, which can be costly.

Resources mentioned:

https://www.ipsos.com/en-us/news-polls/selling-home-stressful-experience-by-home-sellers

https://www.foxbusiness.com/lifestyle/housing-market-changes-coming-how-buyers-sellers-could-affected

https://www.askralphpodcast.com/tax-implications-of-selling-your-home/

https://www.askralphpodcast.com/what-is-a-home-warranty/

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Please share our Podcast with all your friends and family!

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Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

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What do I do when I lose my wallet to protect from identity theft? Oct 01, 2024

Losing a wallet can lead to more than just a temporary inconvenience; it can be the gateway to a full-blown identity theft nightmare. In this episode, Ralph delves into practical steps you can take to safeguard your identity if you find yourself in such a situation. Learn how to create an inventory of wallet contents and the importance of limiting what you carry. Discover the benefits of digital wallet apps and the necessity of monitoring your credit reports. Ralph emphasizes the importance of being proactive in protecting personal information, combining smart practices with identity theft protection services to guard against unforeseen financial threats.

Ralph opens with a relatable scenario about the panic of losing a wallet and the potential risk of identity theft. He delves into a listener's question about the steps one should take if they find themselves in this unfortunate situation. Ralph emphasizes the importance of being proactive by keeping an inventory of wallet contents and using digital tools like cloud storage and digital wallet apps. He shares a story about a client named Tom who lost his wallet at an amusement park, illustrating the chaos and stress that ensued, and how it could have been mitigated with better preparation. Ralph offers a detailed plan of action for those who might lose their wallet, including contacting banks, filing a police report, and monitoring credit reports closely. He stresses the importance of not carrying unnecessary items, like a social security card, and suggests the use of identity theft protection services as a supportive measure.

Takeaways:

Losing your wallet can lead to identity theft, so it's crucial to take preventive measures.
Always keep a detailed list of all the items and cards you carry in your wallet.
Use digital wallet apps on your smartphone to securely store and access your payment information.
In the event of a lost wallet, immediately contact your bank and credit card companies to report it.
File a police report to have an official record, which can help if identity theft occurs.
Monitor your credit reports and bank statements closely for suspicious activity after losing your wallet.

Links referenced in this episode:

Companies mentioned in this episode:

Norton
Lifelock
Identity Guard
Identity Force

Helpful Resources:

https://lifelock.norton.com/

https://www.identityguard.com/

https://www.identityforce.com/

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Please share our Podcast with all your friends and family!

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ralph@askralph.com or leave a voicemail message on our podcast page

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

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What are 7 common traits of Americans who can never, ever, retire? Sep 30, 2024

Feeling worried about your retirement prospects? Wondering what habits might be preventing you from securing a comfortable retirement? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr., where he breaks down the seven common traits of Americans who can never ever retire and provides actionable steps to help you avoid these pitfalls. What Are the 7 Common Traits of Americans Who Can Never Retire? With Ralph Estep, Jr.

In this episode of the Ask Ralph Show, host Ralph Estep Jr. uncovers the habits and financial mistakes that keep many Americans from ever retiring comfortably. Ralph highlights how living beyond your means, accumulating high-interest debt, and failing to plan for retirement can lead to a lifetime of work. Through real-life examples and practical advice, Ralph guides listeners on how to shift their financial habits and start building toward a secure retirement. If you’re concerned about your retirement readiness, this episode offers valuable insights and solutions.

https://www.askralphpodcast.com/who-can-never-ever-retire/

Podcast Shownotes:

00:00 Episode Overview

00:58 Listener’s Question

02:20 Bible Verse: 1 Timothy 6:17-19

03:24 Real-Life Story: Dave’s Journey to Financial Panic

05:00 7 Common Traps that Derailed Dave’s Financial Future #1 Never Developed a Habit of Saving

05:40 #2 Accumulated a Mountain of Debt

06:13 #3 Never Taken the Time to Educate Himself about Personal Finance

06:39 #4 Ignored the Importance of Insurance

07:19 #5 Made Emotional Decisions with Money

08:10 #6 Neglected His Health

08:43 #7 Never Aligned Financial Decisions with Values & Long-Term Goals

09:41 Action Steps to Avoid Similar Situations: #1 Start Saving Now

10:25 #2 Live Below Your Means and Avoid Unnecessary Debt

11:07 #3 Educate Yourself about Personal Finance

11:56 #4 Protect Yourself and Loved Ones with Insurance Coverage

12:25 #5 Make Rational, Not Emotional, Financial Decisions

13:14 #6 Take Care of Your Health

14:20 #7 Align Financial Decisions with Values and Long-Term Goals

15:21 Action Steps To Make Positive Changes in Your Financial Life #1 Maximize Your Retirement Contributions

15:40 #2 Working a Few Years Longer

16:02 #3 Increase Your Income

16:43 #4 Downsize Your Lifestyle

17:13 #5 Seek Professional Help

18:42 Recap and Closing

Resources mentioned:

https://www.askralphpodcast.com/called-it-quits/ (Retirement decisions)

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

Schedule an Appointment with Saggio Management Group, Inc.

https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

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Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

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How can I manage my anxiety by using my faith? Sep 29, 2024

Are you struggling with anxiety and searching for ways to manage it through your faith? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr., where he answers the powerful question, How Can I Manage My Anxiety by Using My Faith? Ralph shares faith-based strategies to help you overcome anxiety and find peace amidst life’s challenges, offering practical tips and spiritual insights to guide you toward a calmer, more centered life. How Can I Manage My Anxiety by Using My Faith? With Ralph Estep Jr.

In this episode of the Ask Ralph Show, Ralph Estep Jr. dives deep into the intersection of faith and mental health. He answers a listener’s question about how to rely on faith to manage anxiety, particularly during tough financial times. Through personal stories and scripture, Ralph offers practical steps to strengthen your faith while navigating stress and anxiety. He provides actionable advice on how to trust in God’s plan and take control of your worries through a Christian perspective.

https://www.askralphpodcast.com/manage-my-anxiety/

Podcast Shownotes:

00:00 Episode Overview

01:05 Listener’s Question

02:09 Bible Verse: Philippians 4:6-7

03:07 Ralph’s Personal Story: Trusting God During Financial Stress

06:58 Main Points from Carnegie’s Book #1 Live in Day-Tight Compartments

07:44 #2 Define the Worst-Case Scenario and Accept it

08:49 #3 Busy Yourself with the Right Things

09:26 #4 Don't Fuss About Trifles

10:02 #5 Law of Averages to Outlaw your Worries

10:53 #6 Cooperate With the Inevitable

11:45 #7 Put a "Stop-Loss" Order on Your Worries

13:08 Actionable Steps for Managing Anxiety #1 Start Each Day with Scripture and Prayer

13:38 #2 Practice Gratitude

14:03 #3 Serve Others

14:49 #4 Create a Worry Time

15:26 #5 Take Care of Your Physical Health

16:12 #6 Seek Support

16:55 #7 Practice Financial Stewardship

18:03 Prayer

18:46 Recap and Closing

Resources mentioned:

https://www.amazon.com/How-Stop-Worrying-Start-Living/dp/0671733354 (Dale Carnegie Book)

https://www.dalecarnegie.com/en (Dale Carnegie Course)

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

Schedule an Appointment with Saggio Management Group, Inc.

https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

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Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

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Should I have joint accounts with my children or rely on a Power of Attorney? Sep 28, 2024

Have you ever considered how a single financial decision could jeopardize your relationship with your child? In this episode of The Ask Ralph Podcast, Ralph Estep Jr. tackles a question many listeners are facing: Should I have joint accounts with my children or rely on a Power of Attorney? Ralph shares a real-life story of a mother and daughter whose close bond was shattered by financial disaster after opening a joint account together. If you're unsure about the best way to protect your finances while maintaining family harmony, this episode provides valuable insights to help you make an informed decision. Tune in to learn how to navigate this sensitive issue with care and confidence. Making the Right Financial Decisions with Ralph Estep Jr.

In this episode, Ralph tackles the complexities of sharing a bank account with an adult child and the potential risks involved. He explains the advantages of using a power of attorney instead, detailing how it provides more control over your finances while offering protection against potential misuse. Through real-life examples and practical advice, Ralph empowers listeners to safeguard their finances and avoid common pitfalls arising from joint accounts.

https://www.askralphpodcast.com/power-of-attorney/

Podcast Shownotes:

00:00 Introduction

01:01 Listener's Question

01:53 Bible Verse

02:33 Real-Life Story: Debra’s Experience

05:55 What is Power of Attorney?

06:41 Two Types of Powers of Attorney

08:27 Actionable Steps to Protect Yourself - #1 Consult with a Lawyer

09:05 #2 Choose Your Agent Wisely

10:25 #3 Be Specific: Clearly Outline What Powers You are Granting

10:46 #4 Review and Update Regularly

11:46 $5 Communicate Openly

12:28 Recap and Closing

Websites Mentioned:

https://www.askralphpodcast.com/estate-planning-chat-with-attorney-kevin-baird/

https://www.askralphpodcast.com/common-estate-planning-mistakes/

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How do I budget for my pet care expenses? Sep 27, 2024

How do I budget for my pet care expenses? If you've ever wondered how to manage pet care costs without straining your budget, this episode of The Ask Ralph Show is for you. Ralph Estep Jr. provides practical advice on budgeting for everything from routine expenses to unexpected medical bills, helping you stay financially responsible while caring for your pet. You also get to meet my son Ryan and his dog Firefly! Tune in now! How to Budget for Pet Care Costs with Ralph Estep Jr.

In this episode, Ralph answers a listener's question about managing pet expenses after adopting a rescue dog. Ralph offers strategies for handling the cost of food, vet visits, and medical emergencies. He shares tips on using pet insurance, setting up an emergency fund, and even learning basic grooming skills to save money. Ralph also touches on the sensitive topic of setting a maximum spending limit for pet care, helping listeners balance financial responsibility with their love for their pets.

https://www.askralphpodcast.com/pet-care-expenses/

Podcast Shownotes:

00:00 Episode Overview

01:17 Listener’s Question: Managing Pet Expenses on a Budget

03:29 Bible Verse: Proverbs 12:10

04:15 Ryan’s Interview

04:46 Real-Life Story: Pet Insurance and Medical Emergencies

10:34 Actionable Steps for Budgeting Pet Care Expenses #1 Consider Pet Insurance

11:20 #2 Build Emergency Fund for Pet Expenses

11:45 #3 Research Average Annual Pet Care Costs

12:12 #4 Save on Routine Care

12:33 #5 Learn Basic Pet Grooming Skills

12:59 #6 Be Proactive About Your Pet’s Health

13:37 Setting a Maximum Spending Limit for Pet Care

17:31 Conclusion

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

What steps can I take to avoid a tax time bomb in retirement? Sep 26, 2024

Ever wondered if your retirement savings are hiding a potential tax time bomb? In this episode of The Ask Ralph Show, Ralph Estep Jr. breaks down strategies to help you avoid unexpected tax surprises in retirement. Discover practical solutions to protect your savings and answer the critical question: What steps can I take to avoid a tax time bomb in retirement? Tune in now to safeguard your financial future! How to Prevent a Tax Time Bomb in Retirement? With Ralph Estep Jr.

In this episode of the Ask Ralph Show, host Ralph Estep Jr. dives into the concept of a "tax time bomb" in retirement, where deferred taxes can lead to significant financial burdens later in life. Through the story of his client Robert, Ralph illustrates how Required Minimum Distributions (RMDs) and poor planning can lead to unexpected tax issues. Ralph shares actionable strategies such as Roth IRA conversions, Qualified Charitable Distributions (QCDs), and diversifying income sources to help you reduce tax liabilities. Whether you’re close to retirement or still years away, this episode will equip you with the knowledge to protect your savings and avoid unnecessary taxes.

https://www.askralphpodcast.com/tax-time-bomb/

Podcast Shownotes:

00:00 Episode Overview

01:09 Listener’s Question

02:19 Bible Verse: Proverbs 21:5

02:47 Real-Life Story: Robert’s Tax Time Bomb Experience

05:47 Roth Conversions

06:31 Qualified Charitable Distributions

07:21 Diversified Retirement Income Sources

08:00 Strategic about Social Security

08:42 Action Steps To Avoid a Tax Time Bomb in Your Own Retirement #1 Diversify Retirement Savings

08:56 #2 Plan for RMDs Before They're Required

09:37 # 3 Consider Roth Conversions in Lower-Income Years

10:07 # 4 Explore QCDs If You're Charitably Inclined

10:31 #5 Get Professional Help

13:22 Conclusion

Websites Mentioned:

https://www.askralphpodcast.com/roth-ira-conversions/

https://www.askralphpodcast.com/tax-breaks-for-seniors/

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

Schedule an Appointment with Saggio Management Group, Inc.

https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

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https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How can I discuss pension income during the dating process? Sep 25, 2024

Ever wondered how to bring up pension income when dating later in life? In this episode of the Ask Ralph Show, "How Can I Discuss Pension Income During the Dating Process?", Ralph Estep Jr. provides practical tips on when and how to introduce the topic of pension income in new relationships. Tune in to learn how to approach this important conversation and build trust along the way. How to Discuss Pension Income in a New Relationship? With Ralph Estep Jr.

In this episode of the Ask Ralph Show, host Ralph Estep Jr. explores the delicate topic of discussing pension income while dating. He shares strategies for introducing financial topics naturally and respectfully, drawing from real-life examples like his client Jeff. Ralph addresses how to use humor, future plans, and current events to make these conversations feel less awkward. He also provides actionable tips for building trust and transparency with a new partner. Whether you're new to dating or returning after a significant life change, Ralph's insights will help you approach financial discussions with confidence and ease.

https://www.askralphpodcast.com/effectively-as-a-couple/ (RELATIONSHIP EXPERT)

https://www.askralphpodcast.com/discuss-pension-income/

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/

Podcast Shownotes:

00:00 Episode Overview

01:16 Listener’s Question

2:19 Bible Verse

3:03 Real-Life Story: Jeff Navigates Pension Conversations

06:12 Creative Ways to Bring Up Pension Income - #1 The "Future Plans" Approach

06:37 #2 The "Volunteer Work" Angle

07:03 #3 The "Funny Story" Tactic

07:26 #4 The "Current Events" Discussion

07:40 #5 The "Grandkid's College Fund"

10:29 Key Takeaways from Jeff’s Experience #1 Timing is Everything

10:47 #2 Use Natural Openings

11:04 #3 Be Honest and Transparent

11:40 #4 Sense of Humor When Appropriate

12:12 #5 Focus on Shared Values

12:38 #6 Financial Compatibility is an Important Aspect of a Relationship

13:39 Conclusion

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

Schedule an Appointment with Saggio Management Group, Inc.

https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are the top 7 debt collections scams to avoid? Sep 24, 2024

Are you receiving calls from debt collectors and wondering if they’re legitimate? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr., where he exposes the top 7 debt collection scams and provides practical advice on how to avoid falling victim to them. What Are the Top 7 Debt Collection Scams to Avoid? With Ralph Estep Jr.

In this episode of the Ask Ralph Show, Ralph Estep Jr. delves into the most common debt collection scams targeting individuals today. He answers a listener’s question about how to spot fake debt collectors and offers seven key red flags to look out for. Using real-life stories, Ralph emphasizes the importance of vigilance and provides actionable steps to protect yourself from these scams.

https://www.askralphpodcast.com/debt-collections-scams/

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/

Podcast Shownotes:

00:00 Episode Overview

01:05 Listener's Question

02:08 Bible Verse

03:02 Story of Ralph’s Client - Sally

05:30 Top 7 Debt Collection Scams to Avoid

06:12: #1 Phantom Debt Scam

06:47 #2 Immediate Payment Demand

07:21 #3 Threat of Arrest

07:56 #4 Odd Payment Method Request

08:58 #5 Identity Theft Setup

10:18 #6 Robocall Debt Collection Call

11:01 #7 Fake Government Agency

12:39 Actionable Steps to Protect Yourself from Debt Scams

12:42 #1 Always Ask for Written Validation of the Debt

13:13 #2 Don’t Give Out Personal Information Over the Phone

13:36 #3 Contact the Original Creditor to Verify

14:03 #4 Never Pay a Debt Using Gift Cards

14:32 #5 Hang Up the Phone

15:58 #6 Register Your Phone Number with the National Do Not Call Registry

16:15: #7 Report to the Federal Trade Commission & State’s Attorney General Office

17:03 Conclusion

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are ten things I should never do with my credit card? Sep 23, 2024

Are you making dangerous mistakes with your credit card? In this episode of The Ask Ralph Podcast, host Ralph Estep Jr. uncovers the most common credit card blunders that lead to overwhelming debt. Ralph draws from personal stories, including the case of Barry, a client drowning in $50,000 of credit card debt, to explain how quickly these financial missteps can spiral out of control. Ralph provides actionable advice to help listeners avoid the same traps and build healthier credit habits. Breaking the Cycle of Credit Card Mistakes and exploring what I should never do with my credit card with Ralph Estep Jr.

In this episode of The Ask Ralph Podcast, Ralph delves into the costly mistakes many people make with their credit cards and how to break free from the debt cycle. From relying on cash advances to juggling multiple cards, Ralph shares valuable insights and actionable advice to help listeners avoid these pitfalls. With real-life examples, faith-based guidance, and intelligent financial strategies, Ralph empowers you to take control of your credit and build a secure financial future.

https://www.askralphpodcast.com/with-my-credit-card/

https://www.askralphpodcast.com/using-your-debit-card/

https://www.askralphpodcast.com/deferred-interest-loans-dont-get-pinched/

What is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/

Podcast Shownotes:

00:00 Episode Overview

01:22 Listener's Question

02:42 Bible Verse

03:49 Story of Ralph’s Client - Barry

05:41 10 Mistakes to Avoid with Your Credit Card - #1 Never Use Credit Card for Cash Advances

06:23: #2 Don’t Make Only the Minimum Payments

07:13 #3 Avoid Maxing Out Your Credit Cards

08:09 #4 Never Use One Credit Card to Pay Off Another

08:59 #5 Don’t Use Your Credit Card for Everyday Purchases You Can’t Afford

10:16 #6 Avoid Making Large Purchases Without A Repayment Plan

12:29 #7 Never Miss a Payment

13:25 #8 Don’t Ignore Your Credit Card Statements

14:35 #9 Avoid Applying for Multiple Cards in a Short Period of Time

15:15 #10 Never Use Your Credit Card for Gambling or Speculative Investments

20:04 Current Landscape of Credit Card Use

21:16 Tips on How to Avoid Pitfalls of Credit Card Misuse - #1 Create a Budget and Stick to It

21:36 - #2 Use Cash or Debit Card for Everyday Purchases

21:58 - #3 Pay the Full Balance Each Month

22:06 - #4 Set Up Automatic Payments

22:15 - #5 Review Credit Card Statements for Errors and Fraudulent Charges

22:21 - #6 Seek Help from a Financial Advisor

25:24 - Outro

Join our email list and get a free copy of "Mastering Your Finances" at https://askralph.com/

Schedule Appointment with Saggio Management Group, Inc.

https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

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JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How do I find joy in the mundane? Sep 22, 2024

Have you ever felt stuck in a rut, struggling to find joy in your daily routine? In this episode of the Ask Ralph Podcast, host Ralph dives into the art of finding fulfillment in the mundane. Ralph shares practical strategies to help you rediscover joy and purpose in everyday tasks.

How to Find Joy in Your Daily Routine with Ralph Estep Jr.

In this episode of The Ask Ralph Podcast, Ralph explores the often-overlooked aspects of daily life that can bring genuine happiness and satisfaction. He provides actionable advice on turning routine tasks into meaningful experiences, including tips for setting intentional goals, practicing mindfulness, and embracing gratitude. Ralph also shares personal anecdotes and insights on maintaining a positive mindset throughout daily chores and responsibilities.

https://www.askralphpodcast.com/joy-in-the-mundane/

00:00 Episode Overview

01:02 Listener's Question

03:08 Bible Verse

05:11 Personal Story of Finding Purpose

08:35 Practical Steps to Rediscover Joy

12:21 Creative Approaches and Mindfulness

15:02 Connecting Daily Life to Faith

17:00 Outro

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How do I live out my Christian Faith through my finances? Replay of my interview with Paul Granger Sep 21, 2024

How do you truly live out your Christian faith through your ﬁnances? Are you trusting God with your financial decisions, or are fear and control driving your choices? In this episode of the Ask Ralph Show, Ralph Estep Jr. and guest Paul Granger dive into the intersection of faith and finances, offering insights on how to balance spending, saving, and giving in a way that honors God's provision. Tune in to discover how aligning your finances with your faith can lead to deeper trust and true financial freedom.

How do I live out my Christian Faith through my ﬁnances? With Ralph Estep Jr. and Paul Granger

In this episode of the Ask Ralph show, host Ralph Estep Jr. discusses how to live out one's Christian faith through financial decisions. He revisits an interview with Paul Granger, highlighting radical life choices made to follow God's calling. The show opens with a listener's question from Caroline about balancing spending, saving, and generosity according to Christian values. The episode features insights from Paul Granger's experience, stressing that financial security relies on trusting God's provision and practicing radical generosity. The conversation further delves into Ralph's personal stories of faith-driven financial choices, underlining that everything we have is entrusted to us by God.

https://www.askralphpodcast.com/faith-through-my-ﬁnances/

00:00 Episode Overview

00:38 Listener’s Question

01:34 Bible Verse

02:00 Interview with Paul Granger

02:20 Paul's Journey

04:24 The Gift of Salvation

11:36 Faith and Finance

17:29 The Struggle of Financial Fear Among Believers

22:23 Living in an Unconventional Way

31:43 A Miraculous Reconciliation

32:33 The Challenge of Loving Like Christ

33:20 God's Unexpected Provisions

37:47 Broadening Our Perspective

40:42 Experiencing Life Beyond Our Comfort Zone

45:03 The Paradigm Shift in Christian Finance

53:56 The Importance of Community and Accountability

57:20 Final Thoughts

Paul’s Website

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

Why does a good credit score matter even in retirement? Sep 20, 2024

Feeling unsure about how credit scores impact retirement? Wondering if maintaining a good credit score still matters once you've stopped working? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he explains why a solid credit score remains important, even during retirement. Why Does a Good Credit Score Matter Even in Retirement?

In this episode of the Ask Ralph Show, host Ralph Estep, Jr. breaks down the importance of maintaining a good credit score in retirement. Many assume that credit scores become irrelevant after you stop working, but Ralph explains how your credit can still affect your financial decisions. From qualifying for loans, obtaining better insurance rates, or renting a home, Ralph emphasizes how a good credit score offers retirees flexibility and financial stability. He also provides actionable tips for keeping your credit score healthy, even after you’ve stopped working.

https://www.askralphpodcast.com/even-in-retirement/

Timestamps

00:00 Episode Overview

01:00 Listener’s Question

02:51 Bible Verse

03:45 Stories of Ralph’s Clients: Tom & Jerry

09:30 Impact of Credit Scores on Retirees

10:22 Key Steps to Improve Your Credit in Retirement

12:51 Wrap Up

Schedule an Appointment with Saggio Management Group, Inc.

https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How can I keep from burdening my heirs with an inherited IRA? Sep 19, 2024

Have you ever wondered how to ensure your loved ones don’t face a heavy tax burden when they inherit your IRA? In this episode, host Ralph Estep Jr. shares key strategies to ease the financial strain on your heirs. Inspired by a listener question from Kathy, Ralph dives into practical solutions that can help you manage the complexities of inheritance tax planning and safeguard your legacy for future generations. What Steps Can You Take to Reduce Inheritance Taxes for Your Heirs? With Ralph Estep, Jr.

In this episode, Ralph explores various strategies to lower the tax burden on your heirs when they inherit an IRA. From Roth conversions to life insurance funding and charitable remainder trusts, he explains how these approaches can help ensure that your heirs benefit from your legacy without being overwhelmed by taxes. Ralph also uses real-life examples to illustrate how you can effectively pass down your wealth.

00:00 Episode Overview

01:03 - Listener’s Questions

02:56 Bible Verse

04:02 - Real-Life Example: Victor’s Inheritance Story

07:31 Strategy 1 - Roth Conversions Explained

08:00 Strategy 2 - Life Insurance to Cover Taxes

08:23 Strategy 3 - Using a Charitable Remainder Trust

08:50 Strategy 4 - Spend Down Your IRA

09:14 Strategy 5 - Split Over Multiple Beneficiaries

09:59 Strategy 6 Educating Your Heirs

11:59 Step-by-Step Guide to Solving Kathy's Problem

13:17 Recap

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What happens to your debts after you die? Sep 18, 2024

Worried about how your debts will be handled after you pass away? Unsure what this means for your estate and loved ones? Tune in to Episode 262 of the Ask Ralph Show with Ralph Estep Jr. as he explores the crucial topic of debt management after death.

What Happens to Your Debts After You Die? With Ralph Estep Jr.

In this episode of the Ask Ralph Show, host Ralph Estep Jr. addresses the important issue of how your debts are managed once you are gone. He provides essential information on the process of handling debts post-mortem and explains the implications for your estate and loved ones. Ralph offers valuable guidance on debt and estate planning to help you navigate these complex issues and ensure your family’s financial future is protected.

https://www.askralphpodcast.com/debts-after-you-die/

[00:00] - Introduction- The Reality of Debts After Death

[01:19] - Listener’s Question: Blake’s Concern

[03:24] - Bible Verse

[04:06] - Bruce’s Story

[06:07] - Understanding Debts After Death: Key Insights

[08:08] - Bruce's Financial Resolution

[09:16] - Actionable Steps to Prevent Burdening Family

[12:10] - The Importance of Estate Planning

[13:36] - Recap and Final Thoughts

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

What are 9 reasons I should still write checks? Sep 17, 2024

Feeling unsure about the relevance of writing checks in a digital world? Wondering if they’re still a valuable tool for managing finances? Tune in to Episode 261 of the Ask Ralph Show with Ralph Estep Jr. as he uncovers why writing checks can still be an important financial practice. Why Should You Still Write Checks? With Ralph Estep Jr.

In this episode of the Ask Ralph Show, host Ralph Estep Jr. addresses the question of why writing checks remains a relevant and effective financial practice. He outlines nine compelling reasons why checks are still valuable, drawing on real client experiences and practical advice. Ralph highlights how checks can complement modern financial methods and provides actionable tips for integrating them into your financial routine. Whether you're re-evaluating the role of checks or seeking better ways to manage your finances, this episode offers essential insights and guidance.

00:00 - Introduction: Why Write Checks in 2024?

01:17 - Listener's Question

03:01 - Bible Verse

04:09 - Stories of Ralph's Clients - Sammy & Benny

07:24 - Nine Reasons to Still Write Checks

10:42 - Actionable Tips for Financial Record-Keeping

12:10 - Conclusion: Balancing Old and New Financial Practices

https://www.askralphpodcast.com/still-write-a-check/

Schedule Appointment with Saggio Management Group, Inc.:

Book your appointment here

https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

Like us on Facebook and follow us on Facebook at

https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How do we handle our finances effectively as a couple? Interview with Karen Hackman a couples financial expert. Sep 16, 2024

Struggling to manage finances with your partner? Unsure how to align your financial goals and tackle money-related conflicts? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. and financial expert Karen Hackman as they share their insights on effective financial management for couples. What Are the Best Strategies for Couples to Handle Their Finances Together? With Ralph Estep Jr. and Karen Hackman

In this episode, Ralph and Karen dive into key strategies for couples to manage their finances harmoniously. They explore how to align financial goals, address and resolve money-related conflicts, and create a unified financial plan. Karen and Ralph offer practical tips and actionable advice to help couples overcome common financial disagreements and build a stronger financial partnership. Through personal anecdotes and expert insights, this episode provides essential guidance for couples seeking to enhance their financial relationship.

00:00 Episode Overview

01:05 Listener’s Question

02:49 Bible Verse

03:32 Karen Hackman’s Personal Experience of Financial Struggles in Her Marriage

05:47 Advice for Newlyweds or Engaged Couples to Get on the Same Financial Footing Before Marriage.

07:11 Discussion on Whether the Wife or Husband Should Manage The Household Finances

08:48 Strategies for Getting the Reluctant Spouse to Open Up About Finances

10:28 How Karen Helps Couples Create a Budget or "Intentional Spending Plan"

13:35 Addressing differences in income between spouses

16:22 Advice for newlywed couples on the top financial steps to take

18:01 Discussing when the right time is to have children from a financial perspective.

20:26 Adapting the financial plan as life circumstances change

21:19 Karen's coaching program "Get on the Same Financial Page as Your Spouse"

24:47 Integrating faith and tithing into financial planning

33:36 Strategies for encouraging increased charitable giving

34:54 Karen's contact information and ways for listeners to connect

https://money-and-marriage.ck.page/91cb5000c8 (Intentional Spending Plan)

https://moneyandmarriage.net/ (Reach Karen Hackman)

https://www.askralphpodcast.com/effectively-as-a-couple/

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=825883

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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How do I work at cultivating Christian community? Sep 15, 2024

In this episode, Ralph Estep Jr. addresses how to build a Christian community to support your financial journey. Listener Sarah’s question about feeling isolated in her financial struggles prompts Ralph to share actionable steps for creating or finding a supportive network. How do I work at cultivating Christian community?

Addressing a listener’s question about feeling isolated in financial struggles, Ralph provides actionable advice on finding or creating a group of like-minded believers. From starting small with trusted friends to leveraging church resources and online communities, discover how to build a network that offers both practical financial guidance and spiritual encouragement. Tune in to learn how a supportive Christian community can transform your financial life.

00:00 Episode Overview

00:49 Listener’s Question

01:22 Bible Verse

01:58 Ralph’s Personal Story

06:15 Practical Steps to Cultivate Christian Community focused on Financial Stewardship

09:00 Recap

09:52 Prayer

11:29 Final Thoughts

Ask Ralph Podcast Insiders Group

Schedule Appointment with Saggio Management Group, Inc.

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

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What are 5 regrets of Americans who called it quits too early by retiring? Sep 14, 2024

Have you ever wondered if you retired too early? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about early retirement. What are 5 regrets of Americans who called it quits too early by retiring? With Ralph Estep, Jr.

In this episode of the Ask Ralph show, host Ralph Estep, Jr. delves into the common regrets of Americans who retire too early. He discusses financial strain, loss of purpose, boredom, strained relationships, and difficulty re-entering the workforce. Through the poignant story of a client named George, Ralph illustrates the realities of early retirement and offers actionable steps to avoid these pitfalls. Key strategies include thorough financial assessment, phased retirement, developing a purposeful retirement plan, and staying mentally and socially engaged. Ralph also emphasizes the importance of aligning retirement plans with spiritual growth. Tune in to prepare for a financially secure and fulfilling retirement.

00:00 Episode Overview

01:31 Listener’s Question

02:51 Bible Verse

03:38 Case Study: George's Early Retirement Regrets

06:12 Common Regrets of Early Retirees

10:32 Actionable Steps to Avoid Retirement Regrets

17:06 Conclusion: Planning for a Fulfilling Retirement

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

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What are the best money lessons to teach your kids? Sep 13, 2024

Is your child prepared for a financially successful future? In this episode of the Ask Ralph Show, Ralph Estep Jr. explores essential money lessons every child should learn. What Are the Best Money Lessons to Teach Your Kids?

In this episode of the Ask Ralph Show, host Ralph Estep Jr. tackles a crucial question for parents: What are the best money lessons to teach your kids? Ralph dives into effective strategies for instilling financial wisdom in children from a young age. He explores practical approaches for teaching kids about saving, spending, and giving, and provides actionable advice on how to make financial education engaging and effective.

00:00 Episode Overview

01:06 Listener’s Question: Kelsey asks about age-appropriate money lessons for her kids.

01:52 Bible Verse

02:26 Key principles to teach kids about finances

05:52 Practical advice and steps for parents

06:55 Practical Strategies for Teaching Financial Literacy: Engaging methods for different age groups.

09:52 Conclusion: Summary and final thoughts on empowering kids with financial knowledge.

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

Is life insurance taxable? Sep 12, 2024

Is life insurance taxable? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about taxes regarding life insurance. Is life insurance taxable? With Ralph Estep, Jr.

In this episode of the Ask Ralph show, host Ralph Estep, Jr. addresses the question of whether life insurance payouts are taxable. Ralph explains that in most cases, life insurance proceeds are not taxable to the beneficiary, but there are exceptions. He underscores the importance of keeping beneficiaries informed and regularly updating policy details. Ralph shares personal stories to highlight the potential pitfalls and challenges beneficiaries may face, such as unexpected tax liabilities and difficulties in locating policies. He also discusses how to avoid these issues through proper planning and communication. Tune in for insights on ensuring your life insurance meets your intended financial goals without unwanted tax surprises.

00:00 Episode Overview

01:06 Listener’s Question

01:52 Bible Verse

02:26 Understanding Life Insurance Taxation

05:52 Key Takeaways and Action Steps

06:55 Exceptions to Tax-Free Life Insurance Payouts

09:52 Conclusion

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

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What are 10 things that banks don’t want you to know which could cost you money? Sep 11, 2024

Have you ever wondered what secrets banks are keeping from you? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about bank secrets that could cost you money. What are 10 things that banks don’t want you to know which could cost you money? With Ralph Estep, Jr.

In this episode of the Ask Ralph show, host Ralph Estep Jr. discusses a revealing article from a bank teller's perspective, exposing 10 secrets banks don't want customers to know. He covers topics such as the importance of reading the fine print, the difficulties of closing accounts, hidden fees in 'free' checking accounts, the benefits of credit unions, and the pitfalls of overdraft protection. He provides actionable steps to save money, including reviewing bank statements, negotiating with banks, and setting up account alerts.

00:00 Episode Overview

00:52 Listener's Question

02:16 Bible Verse

02:50 10 Things Banks Don't Want You to Know

05:36 Personal Story: From Bank to Credit Union

11:56 Actionable Steps to Save Money

15:17 Conclusion: Reflecting on September 11th

Article mentioned in the show

Prior show about debit cards

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

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ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

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How do I avoid being the victim of a squishing scam? Sep 10, 2024

Have you ever received a QR code that seemed a little fishy? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about squishing scams. How do I avoid being the victim of a squishing scam? With Ralph Estep, Jr.

In this episode of The Ask Ralph Show, host Ralph Estep, Jr. dives deep into the world of squishing scams, a devious type of fraud involving malicious QR codes designed to steal personal and financial information. Ralph shares real stories from victims like Tom and Jessica, who experienced severe financial loss and identity theft after falling for such scams. He offers practical advice on recognizing and avoiding these scams, such as being skeptical of unsolicited QR codes, verifying sources, inspecting URLs, and using security-enhanced QR code scanners. Ralph emphasizes the importance of keeping your software updated and enabling two-factor authentication to add an extra layer of security. Tune in to learn valuable lessons and tips to safeguard yourself from becoming the next victim.

00:00 Episode Overview

01:08 Listener's Question

01:22 Understanding Squishing Scams

02:45 Bible Verse

04:07 Real-Life Stories of QR Code Scams

07:46 How to Protect Yourself from Squishing Scams

10:58 Conclusion

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

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ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How can I beat the dealership in the finance office? Sep 09, 2024

Have you ever felt intimidated walking into a car dealership's finance office? Wondered if you're truly getting a fair deal or being taken for a ride? In this episode, we'll uncover the secrets of avoiding common pitfalls when finalizing your auto purchase. You'll learn practical tips to protect yourself from hidden fees and unnecessary add-ons, so you can confidently navigate the finance office and drive away with a great deal. Get ready to take control of your next car-buying experience and avoid the common traps that can cost you thousands. How can I beat the dealership in the finance office? with Ralph Estep, Jr.

In this episode of The Ask Ralph Show, host Ralph Estep, Jr. shares a personal story from his childhood that transformed his perspective on car buying and navigating the often predatory world of auto finance. As a 12-year-old, Ralph witnessed his mother nearly fall victim to hidden fees, unnecessary add-ons, and high-pressure tactics from the finance manager. This experience taught him valuable lessons about the importance of financial knowledge, asking questions, and not being afraid to walk away from a bad deal.

00:00 Episode Overview

00:49 Listener’s Question

02:39 Bible Verse

03:05 Ralph’s Personal Story

08:41 Key Things to Watch Out for in the Finance Office

11:47 Things You Can Do to Protect Yourself

13:37 Recap

14:22 3 Action Steps You Can Take Today

15:03 Final Thoughts

Schedule Appointment with Saggio Management Group, Inc.

https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

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Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How do I live out my Christian calling? Sep 08, 2024

Are you struggling to ﬁnd your true purpose in life? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he shares wisdom on living out your Christian calling. How do I live out my Christian calling? With Ralph Estep, Jr.

In this episode of the Ask Ralph show, host Ralph Estep, Jr. addresses the struggles of finding true purpose and the calling to a greater path despite the fear of leaving a comfortable job. Ralph reads a listener's question from Tomi, who faces a dilemma between her high-paying finance job and a calling to ministry. Ralph shares the transformative story of his client John, who left a lucrative investment banking career for ministry. The episode explores themes of faith, courage, and fulfillment in following God's calling. Ralph provides practical steps for discerning and pursuing one's Christian calling, emphasizing prayer, seeking wise counsel, starting small, preparing practically, and trusting in God's timing.

00:00 Episode Overview

01:00 Listener's Question

01:59 Ralph's Personal Journey

03:23 Bible Verse

03:50 John's Story: A Leap of Faith

10:33 Steps to Discern Your Calling

14:15 Conclusion and Prayer

15:51 Final Thoughts

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are 5 tips for choosing an insurance agent or broker? Sep 07, 2024

Have you ever wondered how to choose the right insurance agent or broker? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he shares 5 tips for choosing an insurance agent or broker. What are 5 tips for choosing an insurance agent or broker? With Ralph Estep, Jr.

In this episode of the Ask Ralph show, host Ralph Estep, Jr. examines the critical significance of selecting the right insurance agent or broker. He answers a listener's question about choosing a trustworthy agent and provides five essential tips for making an informed decision. Ralph uses two contrasting real-life stories to illustrate the potential financial consequences of having inadequate coverage versus the benefits of comprehensive insurance.

00:00 Episode Overview

00:57 Listener's Question

03:21 Bible Verse

04:11 Real-Life Stories: The Impact of Choosing the Right Insurance Agent

08:07 5 Essential Tips for Choosing an Insurance Agent

11:36 Personal Story: The Importance of Comprehensive Insurance

13:59 Conclusion

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are 7 money mistakes made by those over 50? Sep 06, 2024

Are you over 50 and concerned about your financial future? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he covers common money mistakes that people over 50 usually face. What are 7 money mistakes made by those over 50? With Ralph Estep, Jr.

In this episode of the Ask Ralph show, host Ralph Estep, Jr. addresses the financial anxieties of those over 50 by identifying and providing solutions to 7 common money mistakes that can derail retirement plans. Ralph emphasizes the importance of having a diversified retirement plan, accurately estimating healthcare costs, avoiding new debt, setting boundaries with adult children, prioritizing estate planning, adjusting investment strategies, and planning for taxes in retirement. He shares real-life client stories to illustrate these pitfalls and offers strategies to avoid them.

00:00 Episode Overview

01:11 Listener's Question

02:21 Exploring Finance Through a Christian Perspective

03:00 Bible Verse

03:46 7 Money Mistakes That Could Derail Your Retirement

04:11 Real-Life Stories of Financial Mistakes

13:40 Strategies to Avoid Financial Pitfalls

17:59 Recap and Final Thoughts

18:40 Conclusion

Episode mentioned in the show (Where should you pull money from first in retirement to optimize your taxes?)

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

What are 8 common reasons for getting audited by the IRS? Sep 05, 2024

Have you ever thought about what could cause an IRS audit? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he discusses the topic of IRS audits. What are 8 common reasons for getting audited by the IRS? With Ralph Estep, Jr.

In this episode of the Ask Ralph show, host Ralph Estep, Jr. addresses the anxiety-inducing topic of IRS audits. He starts by delving into a listener's question regarding audit concerns for small business owners. Ralph outlines the 8 most common IRS audit triggers, including unreported income, home office deductions, excessive business expenses, and round numbers, sharing real-life client stories to illustrate the risks involved. He offers practical advice and strategies to avoid triggering an audit, emphasizing honesty, accurate record-keeping, and promptly responding to IRS notices.

00:00 Episode Overview

01:21 Listener's Question

03:26 Bible Verse

04:02 Top 8 Reasons for IRS Audits

17:38 Strategies to Avoid an IRS Audit

18:56 Conclusion

Prior Show (How do I prepare for an audit of my home office expenses?)

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

How do I get my infant on the course to great credit? Sep 04, 2024

How can I help my newborn start off on the right financial path? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about giving your child the gift of excellent credit. How do I get my infant on the course to great credit? With Ralph Estep, Jr.

In this episode of the Ask Ralph Show, host Ralph Estep, Jr. explores how to set up your newborn for financial success, emphasizing the importance of building and protecting their credit from an early age. Ralph answers a listener's question about starting her first child's financial journey and discusses steps such as freezing the child's credit, protecting their Social Security number, and eventually adding them as an authorized user on a credit card. He also highlights the importance of parental modeling of good financial habits and shares a cautionary tale about infant identity theft to stress the significance of these measures. Additionally, Ralph offers personalized financial guidance to listeners looking to improve their own finances or set their children up for a successful financial future.

00:00 Episode Overview

01:16 Listener's Question

03:16 Bible Verse

05:43 Protecting Your Child's Credit

07:33 Steps to Safeguard Your Child's Credit

09:47 Practical Tips for Building Your Child's Credit

15:59 Financial Wisdom for a Lifetime

17:30 Final Thoughts

Prior episode on safeguarding documents

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

JOIN OUR FACEBOOK INSIDERS GROUP

Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

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Do I need a VPN and why is it so useful? Sep 03, 2024

Have you ever thought about how a VPN operates and why it's so important in today's online world? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about Virtual Private Networks. Do I need a VPN and why is it so useful? With Ralph Estep, Jr.

In this enlightening episode of the Ask Ralph show, host Ralph Estep Jr. dives into the importance of Virtual Private Networks (VPNs) in safeguarding your online activities. Drawing from shocking real-life stories of cybercrime, Ralph explains how VPNs function as secure, encrypted tunnels for your internet traffic, protecting you from hackers on public Wi-Fi networks. He discusses the critical features to look for in a VPN service and emphasizes the ease of setup.

00:00 Episode Overview

01:10 Listener's Question

02:41 Bible Verse

03:40 Real-Life Cyber Attack Stories

06:24 What is a VPN and How Does it Work?

08:22 Benefits of Using a VPN

11:06 Choosing the Right VPN

12:55 Action Steps: Implementing a VPN

15:01 Conclusion

To see your IP address without using a VPN

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What is your bank not telling you about using your debit card? Sep 02, 2024

Debit cards may seem like a responsible financial choice, but they could be leaving you vulnerable to devastating fraud and financial losses. In this episode of The Ask Ralph Show, host Ralph Estep, Jr. explores the hidden risks of using a debit card and provides essential strategies to protect your debit card. What is your bank not telling you about using your debit card? With Ralph Estep Jr.

In this episode of The Ask Ralph Show, host Ralph Estep, Jr. shares a shocking story about a client who had their bank account drained due to debit card fraud. Ralph delves into the hidden risks of using a debit card and explains why credit cards offer better protection against financial losses. He provides actionable steps listeners can take to safeguard their money and avoid the devastating consequences of debit card fraud. Don't let your debit card become a gateway to financial ruin. Tune in to this eye-opening episode and learn how to make smarter financial choices that will keep your money secure.

00:00 Episode Overview

01:10 Listener’s Question

02:56 Bible Verse on Becoming Wise Stewards of our Finances

05:44 Electronic Funds Transfer Act

06:21 Comparison of debit and credit card usage

08:21 Pros and cons of using a debit card

10:52 Actionable steps to protect finances

13:22 Conclusion and preview of next episode

The Electronic Funds Transfer Act

Where should you not use your credit card?

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What are some ways I can learn to tame my tongue? Sep 01, 2024

Have you ever said something you instantly regretted? Do you struggle to control the words that come out of your mouth? Taming the tongue is a lifelong process, not a quick fix. In this episode of The Ask Ralph Show, host Ralph Estep, Jr. discuss the importance of taming one's tongue to build up others rather than tearing them down and what you should do to continually strive to improve. What are some ways I can learn to tame my tongue? With Ralph Estep, Jr.

In this episode of the Ask Ralph show, host Ralph Estep Jr. discusses the challenging but crucial topic of taming the tongue. Ralph shares a personal story about how his harsh words negatively impacted his family relationships and emphasizes the long-term, lifelong process of changing one's speech habits. He will share some strategies like the "THINK" method, implementing a "pause button", finding an accountability partner, keeping a gratitude journal, and using the "sandwich" approach when offering criticism.

Whether you're someone who frequently finds yourself apologizing for harsh words or you simply want to be more intentional about the power of your speech, this episode is packed with actionable advice to help you harness the life-giving potential of your tongue. Stay tuned to discover how you can make positive changes that will ripple through every area of your life.

00:00 Introduction and Overview of the Episode

01:10 Listener’s Question

03:54 Bible Verse

04:34 Ralph's Personal Experience with Taming the Tongue

07:09 Practical Techniques for Taming the Tongue

13:46 Final Thoughts and Recap

15:12 Conclusion and Topic for Tomorrow’s Show

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What are the specific things I should consider when buying a business? Aug 31, 2024

Have you thought about buying a business? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he covers the key things to think about when buying a business. What are the speciﬁc things I should consider when buying a business? With Ralph Estep, Jr.

In this episode of the Ask Ralph show, host Ralph Estep Jr. discusses the critical considerations one must evaluate when buying a business to avoid making costly mistakes driven by emotions. Through real-life stories of clients who faced financial ruin due to emotional decisions, Ralph highlights the importance of a cool, calculated approach. Key insights include scrutinizing financials, understanding the customer base, analyzing market position, assessing legal issues, and documentation of business processes. Ralph emphasizes the need for objective analysis, seeking outside advice, and being willing to walk away if the numbers don’t add up.

00:00 Episode Overview

01:00 Listener's Question

02:56 Biblical Perspective on Financial Responsibility

04:30 Real-Life Stories: Emotional Decisions Gone Wrong

07:43 Key Factors to Consider When Buying a Business

12:41 Practical Steps to Remove Emotion from Business Decisions

15:52 Conclusion and Upcoming Topics

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

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What are the four types of student loans? Aug 30, 2024

Feeling overwhelmed by student loans? Unsure which loan option is the right choice for your future? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he helps students navigate the confusing world of student loans. What are the four types of student loans? With Ralph Estep, Jr.

In this episode of the Ask Ralph show, host Ralph Estep, Jr. addresses the concerns of students overwhelmed by the complexities of student loan options. He explains the differences between direct subsidized, direct unsubsidized, direct PLUS, and private student loans, emphasizing the benefits of federal loans over private ones. Ralph shares a heartfelt story about a client named Michael to highlight the long-term impact of uninformed loan choices and provides practical action steps to manage student loans wisely.

00:00 Episode Overview

00:52 Listener's Question

02:54 Bible Verse

03:34 Understanding Different Types of Student Loans

10:21 Tax Implications and Common Questions

13:14 Action Steps and Final Thoughts

15:12 Conclusion

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How do I prepare for an audit of my home office expenses? Aug 29, 2024

Ever worried that claiming a home office deduction could lead to an IRS audit? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he tackles the question of whether taking a home office deduction might lead to an IRS audit. How do I prepare for an audit of my home oﬃce expenses? With Ralph Estep, Jr.

In this episode of the Ask Ralph show, host Ralph Estep Jr. addresses the common concern of whether claiming home office deductions could trigger an IRS audit. Ralph offers practical advice on how to legally and confidently claim these deductions without fear. He shares a listener's question about home office expenses, highlighting the importance of proper documentation and the pitfalls of incorrect deductions through compelling examples. Ralph also covers the IRS guidelines for qualifying a home office, allowable expenses, and red flags that might attract an audit. He underscores the necessity of honest and thorough record-keeping to avoid any issues with the IRS.

00:00 Episode Overview

00:39 Listener's Question

02:06 Bible Verse

02:47 The Importance of Proper Documentation

04:26 Common Mistakes in Home Office Deductions

07:12 Qualifying and Documenting Your Home Office

10:34 Action Steps for Home Office Deductions

11:21 Recap and Final Thoughts

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Why should I consider collecting social security benefits early? Aug 28, 2024

Have you thought about whether to start collecting Social Security benefits early? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he explains the advantages and disadvantages of starting Social Security benefits early. Why should I consider collecting social security beneﬁts early? With Ralph Estep, Jr.

In this episode of the Ask Ralph show, host Ralph Estep, Jr. explores the critical decision of when to start collecting Social Security benefits. Ralph breaks down the pros and cons of claiming at age 62, full retirement age, or age 70, sharing compelling real-life stories of individuals who made different choices. One story highlights Jim, who struggled after claiming early, while another celebrates Margaret, who thrived by waiting until 70. Key points to consider include health, financial situation, retirement plans, spousal coordination, and legacy impact.

00:00 Episode Overview

01:17 Listener's Question

03:39 Bible Verse

04:21 The Pros and Cons of Claiming Social Security Early

04:58 Real-Life Stories: Jim and Margaret

10:50 Key Considerations for Your Decision

12:45 Recap and Final Thoughts

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Have I become a virtual hermit? Aug 27, 2024

Are you using technology to build real connections, or is it becoming a way to avoid genuine human interaction? Have you ever spent hours scrolling through social media, only to feel even more disconnected? Or noticed that your online relationships just don’t have the same depth as in-person ones? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he explores how technology impacts real human connections. Have I Become A Virtual Hermit? With Ralph Estep, Jr.

In this episode of the Ask Ralph show, host Ralph Estep, Jr. delves into the effects of technology on genuine human connections. He reflects on how social media and digital communication often lead to feelings of isolation despite providing a facade of connection. Ralph shares a personal story to illustrate the issue and offers practical advice on using technology to enhance real-world relationships. Key strategies include setting boundaries for tech use, prioritizing face-to-face interactions, and creating tech-free zones.

00:00 Episode Overview

01:29 Listener's Question: Discerning God's Will

03:36 Bible Verse

04:14 Personal Story: The Virtual Hermit

07:43 Steps to Enhance Real Connections

12:05 Conclusion

Schedule Appointment with Saggio Management Group, Inc. https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

Digital Sabbath Episode

Prompter | Elgato

Facebook Group

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How does my retirement balance compare to other people of my same age? Aug 26, 2024

Are you struggling to keep up with your retirement savings? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he dives into the important topic of saving for retirement. How Does My Retirement Balance Compare to Other People of My Same Age? With Ralph Estep, Jr.

In this episode of the 'Ask Ralph' show, host Ralph Estep Jr. delves into the critical topic of retirement savings. The discussion is sparked by a question from a listener named Debbie, who, at 45 years old, is worried about her lack of retirement savings. Ralph shares compelling stories of two couples with vastly different retirement outcomes and presents hard data on average retirement savings by age. He offers actionable advice on maximizing contributions, cutting unnecessary expenses, and seeking professional help. Throughout the episode, Ralph intertwines financial wisdom with spiritual guidance, emphasizing the importance of planning and preparation in all aspects of life, including finances.

00:00 Episode Overview

00:53 Listener's Question: Retirement Concerns

02:57 A Tale of Two Retirements

05:02 Retirement Savings Statistics by Age

08:45 Strategies to Boost Your Retirement Savings

12:32 Faith and Financial Planning

13:22 Recap and Call to Action

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What Is the Average Retirement Savings by Age? - NerdWallet

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How do I discern Gods will for my life? Aug 25, 2024

Do you ever feel like God might be speaking to you, but you're unsure how to hear His voice? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about how to understand God's will when facing big life decisions. How Do I Discern Gods Will For My Life? With Ralph Estep, Jr.

In this episode of the Ask Ralph show, Ralph addresses a listener's query about discerning God's will in life's major decisions. He shares his own journey of transitioning from a successful accounting practice to a financial ministry, emphasizing prayer, scripture study, and seeking wise counsel. Ralph also highlights the importance of recognizing open doors, trusting the peace in your heart, and being patient. As he interweaves biblical teachings and personal anecdotes, Ralph offers seven actionable steps to help listeners align their decisions with God's will.

00:00 Episode Overview

01:09 Listener's Question: Discerning God's Will

02:44 Bible Verse

03:06 Personal Story: Finding My Path

06:35 Steps to Discern God's Will

08:44 Closing Prayer

09:20 Final Thoughts

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What are the 7 documents I should always keep? Aug 24, 2024

Have you ever thought about which important documents you should always have ready? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about why it's crucial to organize and secure important documents for financial emergencies. What Are The 7 Documents I Should Always Keep? With Ralph Estep, Jr.

In this episode of The Ask Ralph Show, host Ralph Estep, Jr. discusses the importance of organizing and securing essential documents for financial emergencies. Ralph outlines seven important documents everyone should keep: Last Will and Testament, Power of Attorney, Healthcare Proxy or Living Will, Birth Certificate, Marriage Certificate, Social Security Card, and Insurance Policies. He offers practical advice on both physical and digital storage solutions and emphasizes sharing this information with trusted individuals.

00:00 Episode Overview

01:05 Listener Question

02:50 Biblical Perspective on Financial Preparedness

04:00 Document 1: Last Will and Testament

04:43 Document 2: Power of Attorney

05:04 Document 3: Healthcare Proxy or Living Will

06:00 Document 4: Birth Certificate

06:23 Document 5: Marriage Certificate

06:42 Document 6: Social Security Card

07:05 Document 7: Insurance Policies

07:24 Storing Your Essential Documents Safely

08:13 Sharing Document Information with Trusted Individuals

09:00 Recap and Actionable Steps

11:27 Conclusion

Schedule Appointment with Saggio Management Group, Inc.

www.ssa.gov

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What are the top financial tips for transitioning into retirement? Aug 23, 2024

What are the top financial tips for transitioning into retirement? As you approach this significant life milestone, you may feel a mix of excitement and anxiety about financial preparedness. Ralph Estep Jr. provides a comprehensive guide to help ensure a smooth retirement transition. How Can You Develop a Retirement Income Strategy to Make Your Savings Last? | Ask Ralph Podcast

In this episode of The Ask Ralph Show, host Ralph Estep, Jr. shares essential financial tips for those preparing to retire. Drawing from his extensive experience working with clients, Ralph covers a range of crucial areas, including assessing current financial situations, estimating retirement expenses, developing income strategies, addressing healthcare costs, reviewing investment portfolios, and planning for Social Security and estate planning. These practical insights aim to help listeners approach this new chapter of life with confidence and the peace of mind that comes from knowing their finances are in order.

00:00 Introduction

01:16 Listener’s question

03:40 Bible Verse

05:15 Estimating retirement expenses

06:30 Retirement income strategy

08:00 Healthcare costs

09:45 Reviewing investment strategy

11:00 Social Security strategy

12:00 Planning for required minimum distributions

13:15 Updating estate planning documents

13:45 Staying flexible and open to change

14:03 Conclusion

Schedule Appointment with Saggio Management Group, Inc.

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Where should you pull money from first in retirement to optimize your taxes? Aug 22, 2024

How can you strategically order your retirement withdrawals to optimize your taxes? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about different strategies to maximize your retirement savings! Where should you pull money from first in retirement to optimize your taxes? with Ralph Estep Jr.

In today's episode of The Ask Ralph Show, host Ralph Estep, Jr. shares valuable strategies to help you keep more of your retirement savings by reducing your tax burden. Ralph provides practical tips on where to withdraw money from first, how to use different account types to your advantage, and ways to optimize your retirement income for tax efficiency.

00:00 Episode Overview

01:14 Listener’s Question

02:35 Bible Verse

04:03 Differences of Retirement Accounts

04:36 Required Minimum Distributions (RMDs)

05:10 Tapping into Taxable Accounts

05:55 Bracket Filling

06:51 Save Roth Accounts for Last

07:12 Roth conversions

07:52 Personal Stories

09:29 Actionable steps

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What are some essential money management tips for individuals as well as business owners? Aug 21, 2024

Have you ever thought about whether there's a special trick to handling money in your personal life and as a business owner? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about cash flow management in small businesses. What Are Some Essential Money Management Tips For Individuals As Well As Business Owners? With Ralph Estep, Jr.

In this episode of The Ask Ralph Show, host Ralph Estep, Jr. explores both traditional and unconventional methods for managing finances effectively. Ralph answers a listener's question about cash flow management in small businesses and shares personal experiences and practical tips, including budgeting, building an emergency fund, debt repayment, and investment. Additionally, Ralph delves into unique strategies such as reverse accounts payable, bartering, and the envelope system, providing valuable insights for both business owners and personal finance enthusiasts.

00:00 Episode Overview

01:13 Listener’s Question

02:06 Ralph's Personal Experience with Cash Flow

03:09 Bible Verse

03:36 Essential Money Management Tips

06:15 Additional Tips for Business Owners

09:19 Unconventional Cash Management Strategies

13:30 Conclusion and Recap

14:26 Closing Remarks

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What is the future of artificial intelligence and how does it impact my Christian Faith? Aug 20, 2024

Is artificial intelligence a helpful tool or a danger to our faith? What does this mean for us as Christians? How can we use AI responsibly while remaining faithful to our beliefs? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about concerns regarding artificial intelligence. What Is The Future Of Artiﬁcial Intelligence And How Does It Impact My Christian Faith? With Ralph Estep, Jr.

In today's episode, Ralph delves into the complex relationship between artificial intelligence and Christianity. He addresses a listener's concerns about how AI might affect their work and faith, offering practical advice on harnessing AI for productivity, personal finance, healthcare, education, and business insights while staying true to Christian values. Ralph also discusses the potential pitfalls of AI, such as job displacement, privacy issues, algorithmic bias, and ethical dilemmas, emphasizing the importance of discernment, stewardship, and maintaining human connections.

00:00 Episode Overview

01:09 Listener’s Question

02:42 Bible Verse

03:06 Understanding AI: Benefits and Uses

06:33 AI Pitfalls: Job Displacement and Privacy

09:39 Ethical and Faith-Based Considerations

10:38 Guidelines for Christians Using AI

13:13 Conclusion: Balancing Faith and Technology

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http://www.schoolofpodcasting.com/ralph

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Am I paying too much for rent? Aug 19, 2024

Are rising rent costs squeezing your budget? Curious if there's a way to lower your housing expenses without giving up your quality of life? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks strategy to combat skyrocketing rent prices. Am I Paying Too Much For Rent? With Ralph Estep, Jr.

In this episode, Ralph addresses the challenge of high rental costs and offers practical advice on how to lower your monthly rent without compromising your quality of life. Ralph discusses strategies such as negotiating with landlords, taking on maintenance tasks for rent reductions, and considering roommates or subletting. He also emphasizes the importance of overall financial health and planning.

00:00 Episode Overview

01:10 Listener’s Question

02:30 Bible Verse

03:02 Determining Fair Rent Prices

04:30 Negotiation Tactics with Landlords

07:24 Considering Roommates and Subletting

10:57 Financial Health and Final Tips

12:25 Conclusion

Schedule Appointment with Saggio Management Group, Inc.

https://www.zillow.com/

https://www.apartments.com/

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How can I see the holy scriptures with fresh eyes? Aug 18, 2024

Do you ever feel like your Bible study has lost its spark? Are you longing to see the Scriptures in a new light and rekindle your love for God's Word? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he shares ways to view the Scriptures with a fresh perspective. How Can I See The Holy Scriptures With Fresh Eyes? With Ralph Estep, Jr.

In this episode of The Ask Ralph Show, host Ralph addresses a heartfelt question from Betty in Oklahoma about reinvigorating her Bible study. Ralph shares practical advice on how to see the scriptures with fresh eyes, including praying for insight, using different Bible translations, and employing the SOAP method. He also connects these principles to financial habits, offering actionable steps to refresh one's approach to both spiritual and financial life.

00:00 Episode Overview

01:00 Listener’s Concern

02:00 Bible Verse

02:59 Practical Tips to Refresh Your Bible Study

09:17 Applying Biblical Principles to Finances

12:39 Conclusion and Actionable Steps

Schedule Appointment with Saggio Management Group, Inc.

https://app.acuityscheduling.com/schedule.php?owner=15709241&appointmentType=8258839

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Should I refinance my auto loan and how do I even do it? Aug 17, 2024

Is your car payment draining your budget? Do you sometimes feel like it's leading you towards financial trouble? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about reﬁnancing auto loans. Should I Reﬁnance My Auto Loan And How Do I Even Do It? With Ralph Estep, Jr.

In this episode of The Ask Ralph Show, Ralph delves into whether refinancing your auto loan can provide financial relief. He addresses a listener's concern about high car payments and discusses the potential benefits of refinancing, such as securing lower interest rates, improved credit scores, and better financial terms. Ralph provides a step-by-step guide on how to refinance, along with personal anecdotes and practical examples. He also emphasizes the importance of careful financial planning and seeking professional advice before making significant financial decisions.

00:00 Episode Overview

00:49 Listener’s Concern

01:50 Bible Verse

02:52 Why Refinance Your Auto Loan?

08:09 Steps to Refinance Your Auto Loan

10:59 Recap and Final Thoughts

11:41 Outro

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Lendingtree.com

Bankrate.com

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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How do social security survivor benefits work? Aug 16, 2024

Are you wondering how to navigate the complex world of Social Security survivor beneﬁts? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he tackles the challenging process of Social Security survivor benefits. How Do Social Security Survivor Beneﬁts Work? With Ralph Estep, Jr.

In this episode of The Ask Ralph Show, Ralph addresses a heartfelt question from Candace in Arizona, who is overwhelmed with grief and confusion after losing her husband of 30 years. Ralph provides a comprehensive roadmap for understanding and claiming Social Security survivor benefits. He offers clear explanations about eligibility, benefit amounts, and the necessary steps for application, including practical advice on reporting the death, gathering documents, and deciding when to claim the benefits. Ralph also dispels common misconceptions and answers frequently asked questions. Throughout the episode, he emphasizes patience, persistence, and the importance of seeking support from friends, family, and professionals during this challenging time.

00:00 Episode Overview

01:01 Listener’s Concern

02:18 Bible Verse

02:44 Understanding Social Security Survivor Benefits

03:28 Eligibility for Survivor Benefits

04:29 Calculating Benefit Amounts

05:11 Steps to Claim Survivor Benefits

09:50 Common Questions and Misconceptions

11:46 Actionable Steps and Final Thoughts

13:19 Conclusion

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

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ssa.gov

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I just got married – do you have a newlywed tax checklist for me to follow? Aug 15, 2024

Are you a newlywed wondering how tying the knot will affect your taxes? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he unravels the mysteries of married filing. I Just Got Married – Do You Have A Newlywed Tax Checklist For Me To Follow? With Ralph Estep, Jr.

In this Tax Talk Thursday edition of the Ask Ralph Show, host Ralph discusses the various financial and tax considerations for newlyweds. The episode covers everything from name changes and new filing statuses to adjusting withholdings and updating benefits. Ralph provides a comprehensive checklist to help newly married couples navigate their new financial landscape, ensuring they are well-prepared to tackle these changes and potentially save money. The importance of tax planning and the potential impact on tax credits and deductions are also discussed. Additionally, Ralph emphasizes the value of proper planning and offers resources for further assistance.

00:00 Episode Overview

00:57 Listener’s Concern

02:21 Bible Verse

03:10 Comprehensive Newlywed Tax Checklist

04:38 Filing Status and Withholdings

06:21 Deductions and Benefits

07:30 Financial Planning for Newlyweds

11:43 Recap and Final Thoughts

13:15 Outro

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

Application for Social Security Card

Form W-4 – 2024

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Form 8822, Change of Address

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What are 10 expenses I can drop immediately and not even miss them? Aug 14, 2024

Are you tired of feeling like your money is slipping right through your fingers? What if there are expenses you could drop right now and wouldn't even miss them? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about saving money by cutting off unnecessary expenses. What Are 10 Expenses I Can Drop Immediately And Not Even Miss Them? With Ralph Estep, Jr.

In this episode of the Ask Ralph Show, host Ralph discusses how to save money by identifying and cutting out 10 unnecessary expenses. Highlighting examples like daily coffee shop visits and unused subscriptions, Ralph provides practical tips that can save listeners thousands of dollars annually. The episode also opens with a question from a listener named Sheila, exploring the fear of feeling deprived when cutting expenses. Throughout, Ralph integrates a Christian perspective, including insights from the Bible, to encourage financial stewardship. Additionally, Ralph shares actionable steps to help listeners review and reduce their spending, aligning their finances with their values and long-term goals.

00:00 Episode Overview

01:01 Listener’s Concern

02:07 Bible Verse

02:41 Top 10 Expenses You Can Drop Now

02:50 Detailed Breakdown of Each Expense

09:30 Actionable Steps to Save Money

10:56 Conclusion

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

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Should I take a digital sabbath and how do I do it? Aug 13, 2024

Ever feel like your smartphone is ruling your life? What if there's a biblically-inspired way to break free from the digital chaos? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about the power of a digital sabbath. Should I Take a Digital Sabbath and How Do I Do It? With Ralph Estep, Jr.

In this episode of The Ask Ralph Show, host Ralph discusses the concept of a 'Digital Sabbath,' a modern-day interpretation of the biblical day of rest. Ralph explores how intentionally unplugging from digital devices for 24 hours can lead to spiritual renewal, improved mental health, enhanced productivity, stronger relationships, and even financial benefits. Responding to a listener's question from Juliet in Atlanta, Ralph offers practical advice on how to implement a Digital Sabbath, stressing the importance of balance and intentionality. He recounts his personal experience with disconnecting, revealing the positive impact it has had on his faith, business, and personal life.

00:00 Episode Overview

01:01 Listener’s Concern

02:10 Bible Verse

03:12 Understanding the Digital Sabbath

03:53 Benefits of a Digital Sabbath

06:24 Implementing a Digital Sabbath

08:38 Personal Experiences and Gains

10:45 Actionable Steps to Start Your Digital Sabbath

11:54 Conclusion

Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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Should I play the bank bonus game? Aug 12, 2024

Have you ever been tempted by those shiny bank bonus offers? Should you play the bank bonus game? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he dives into the world of bank bonuses. Should I Play The Bank Bonus Game? With Ralph Estep, Jr.

In this episode of The Ask Ralph Show, host Ralph explores the lucrative but complex world of bank bonuses. Prompted by a listener's question, Ralph breaks down the pros and cons of chasing bank promotions, such as extra money and higher interest rates, versus the pitfalls like fees, complexity, and tax implications. He offers practical tips for managing multiple accounts, setting reminders, and staying true to long-term financial goals. Ralph also discusses the importance of approaching financial decisions with wisdom and integrity. Tune in to learn whether playing the bank bonus game aligns with your financial stewardship from a Christian perspective.

00:00 Episode Overview

01:02 Listener's Question

02:21 Bible Verse

03:08 Understanding Bank Bonuses

04:04 Pros of Bank Bonuses

05:19 Cons of Bank Bonuses

07:11 Tax and Credit Implications

09:13 Practical Tips for Bank Bonus Hunting

11:43 Final Thoughts

Links mentioned:

https://www.chexsystems.com/

https://www.earlywarning.com/

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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Am I too far gone for forgiveness? Aug 11, 2024

Have you ever felt like your mistakes were too big to be forgiven? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he explores redemption and forgiveness from a Christian perspective. Am I Too Far Gone For Forgiveness? With Ralph Estep, Jr.

In this episode, Ralph addresses a listener's question about finding spiritual and financial redemption after making severe financial mistakes. He discusses steps like understanding God's infinite love, genuine repentance, making amends, seeking professional help, rebuilding finances, and leaning on your faith community. Drawing from biblical principles, Ralph emphasizes the importance of careful financial and spiritual planning. Discover how to navigate your path to redemption and ensure a secure and faith-filled future.

00:00 Episode Overview

01:12 Listener’s Concern

02:53 God's Forgiveness and Redemption

04:23 Repentance and Change of Heart

05:18 Making Amends

06:05 Seeking Professional Help

06:32 Rebuilding Finances

07:20 Leaning on Faith Community

08:10 Using Your Story to Help Others

09:19 Closing Prayer

09:57 Final Thoughts

11:05 Outro

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

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How Can High Income Individuals Optimize Their Taxes? Aug 10, 2024

Are you a high-income earner looking to optimize your taxes while staying true to your Christian values? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he dives into tax strategies guided by biblical principles. How Can High Income Individuals Optimize Their Taxes? With Ralph Estep, Jr.

In this episode, Ralph addresses a listener's question about balancing tax optimization with faith-based stewardship. He discusses tips like maximizing retirement contributions, investing in tax-efficient funds, utilizing charitable giving, and estate planning. Drawing from biblical wisdom and personal experiences, Ralph emphasizes the importance of careful financial planning. Discover how to align your tax strategy with your faith and ensure effective financial stewardship.

https://www.irs.gov/

https://www.id.me/

00:00 Episode Overview

00:43 Listener’s Concern

01:45 Bible Verse

02:34 Beginning of Interview

05:11 Tax Tips for High Income Individuals

15:17 Legal Documents and Tax Loss Harvesting

18:25 Tax-Efficient Investing Strategies

24:03 Tax Planning, Audits, and Intentional Financial Decisions

27:24 Accounting and Financial Management for Small Businesses

31:22 Wealth Definition, Relationships, and Planning for the Future

36:29 Final Word

37:03 Outro

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Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

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What is meant by the social security earnings cap and how does that affect my future benefits? Aug 09, 2024

Are you curious about why your Social Security benefits might be less than expected? Wondering how the Social Security earnings cap could impact your future? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explains the Social Security earnings cap and its effects. What Is Meant By The Social Security Earnings Cap and How Does That Affect My Future Benefits? With Ralph Estep, Jr.

In this episode, Ralph addresses a listener's question about the earnings cap, discussing its impact on Social Security taxes and future benefits. He highlights the importance of understanding the cap for effective retirement planning, emphasizing the need for additional savings and diversification. Drawing from biblical principles and personal experiences, Ralph underscores the value of careful financial planning. Discover how to navigate the Social Security earnings cap and ensure a secure retirement while maintaining your financial stewardship and faith.

00:00 Episode Overview

00:46 Listener’s Concern

01:44 Bible Verse

02:13 The Social Security Earnings Cap Explained

04:51 Effect on Retirement Planning

05:59 Ralph’s Personal Experience

07:03 Why Everyone Should Understand The Cap

07:59 Actionable Steps

09:17 Recap

11:08 Final Thoughts and Outro

Social Security Administration: https://www.ssa.gov/

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

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What is the tax impact of gifting someone stock? Aug 08, 2024

Are you considering gifting stocks to a loved one but worried about the tax implications? Want to share your financial blessings while being a good steward of your resources? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explores the tax impacts of gifting stocks and ways to minimize them. What Is The Tax Impact of Gifting Someone Stock? With Ralph Estep, Jr.

In this episode, Ralph addresses a listener's question about gifting stocks to help with education expenses and delves into key points such as the annual gift tax exclusion, capital gains considerations, and strategies like contributing to a 529 Plan or using a donor-advised fund. Drawing from biblical principles and personal experiences, he emphasizes the importance of being a cheerful and wise giver. Discover how these strategies can help you maximize the impact of your generosity and navigate the complexities of gifting stocks while maintaining your financial stability and faith.

00:00 Episode Overview

00:56 Listener’s Concern

01:50 Bible Verse

02:29 Basics of Gifting Stocks

04:46 Strategies to Reduce Tax Impact of Gifting Stocks

06:29 Hypothetical Examples of Gifting Stocks

08:50 Recap

09:45 Actionable Steps

10:42 Final Thoughts

11:46 Outro

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How do I rebuild my credit after a financial crisis? Aug 07, 2024

Are you struggling to rebuild your credit after a financial crisis? Feeling overwhelmed by debt and looking for guidance? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses strategies for rebuilding credit after a financial setback.

How Do I Rebuild My Credit After A Financial Crisis? With Ralph Estep, Jr.

In this episode, Ralph delves into both conventional methods, like checking your credit report and making timely payments, and unconventional methods, such as rent reporting services and peer-to-peer lending. Drawing from biblical principles and personal experiences, he provides spiritual strategies for overcoming financial crises. He emphasizes the importance of patience, discipline, and trusting in God's guidance. Discover how these strategies can help you rebuild your credit, restore your financial stability, and deepen your faith.

00:00 Episode Overview

01:05 Listener’s Concern

02:25 Bible Verse

03:09 Conventional Methods for Rebuilding Credit

04:55 Unconventional Methods for Rebuilding Credit

07:15 Actionable Steps

08:29 Ralph’s Personal Experience

10:14 Recap and Final Thoughts

11:39 Outro

Annual Credit Report: https://www.annualcreditreport.com/

LISTEN NOW

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How do I set healthy boundaries with social media from a Godly Perspective? Aug 06, 2024

Are you struggling to balance your social media use with your responsibilities and faith? Feeling overwhelmed by the digital distractions and looking for guidance from a Christian perspective? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses strategies for setting healthy boundaries with social media.

How Do I Set Healthy Boundaries With Social Media From A Godly Perspective? With Ralph Estep, Jr.

In this episode, Ralph delves into practical steps for using social media effectively for business without letting it consume your life, from setting specific goals and scheduling activities to turning off push notifications and considering a virtual assistant. Drawing from biblical principles and personal experiences, he provides spiritual strategies for maintaining a healthy relationship with social media. He emphasizes the importance of self-discipline, planning, and trusting in God's guidance. Discover how these strategies can help you manage your social media use, reduce digital distractions, and deepen your faith.

00:00 Episode Overview

01:08 Listener’s Concern

02:31 Bible Verse

03:39 Using Social Media Effectively for Business

06:18 Spiritual Strategies for Healthy Social Media Use

08:45 Overcoming Social Media Addiction

10:42 Ralph’s Personal Experience

11:13 Recap and Final Thoughts

13:23 Outro

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How am I going to pay for the childrens college education? Aug 05, 2024

Are you worried about how to fund your children's college education? Feeling overwhelmed by the financial burden and looking for guidance from a Christian perspective? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he introduces various strategies for easing the cost of college.

How Am I Going to Pay for The Children's College Education? With Ralph Estep, Jr.

In this episode, Ralph delves into a range of options—from traditional methods like filling out the FAFSA and searching for scholarships, to creative solutions such as dual enrollment programs and community college pathways. Drawing from biblical principles and personal experiences, he provides practical steps for reducing college costs, from early FAFSA submission to exploring work-study programs and additional financial aid options. He emphasizes the importance of planning, creativity, and trusting in God's provision. Discover how these strategies can help you manage college expenses, reduce financial stress, and deepen your faith.

00:00 Episode Overview

00:51 Listener’s Concern

01:56 Bible Verse

02:28 Options for Funding College Education

02:41 Filling Out the FAFSA

04:08 Scholarships

05:48 Creative Funding Options

07:02 Student Loans and Work Study Programs

08:55 A Personal Story from Ralph

09:55 Recap

11:12 Actionable Steps

12:08 Outro

LISTEN NOW

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How do I respond to financial trials and uncertainty by using my faith? Aug 04, 2024

Feeling overwhelmed by financial trials and looking for a way to find peace and spiritual growth? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explores how to use faith to navigate financial hardships and blessings.

How Do I Respond To Financial Trials and Uncertainty by Using My Faith? With Ralph Estep, Jr.

In this episode, Ralph addresses the anxiety of mounting bills and the challenge of maintaining faith amidst financial uncertainty. Through personal anecdotes and listener letters, he offers practical advice on relying on God, remembering where true wealth lies, and being a good steward of resources. Drawing from biblical principles and his experiences, Ralph provides actionable steps to manage finances with faith, encouraging listeners to trust in God, seek peace through prayer, and remain humble and generous in prosperity. Discover how to find true financial freedom and deepen your faith by mastering your finances from a Christian perspective.

00:00 Episode Overview

01:12 Listener’s Concern

02:41 Bible Verse

03:12 Responding to Financial Trials with Faith

05:36 Remembering Where True Wealth Lies

06:36 Praising God in Times of Financial Blessing

09:18 Recap

09:41 Closing Prayer

10:36 Final Thoughts

11:03 Outro

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Is it possible to estimate my future social security benefits? Aug 03, 2024

Are you uncertain about your future Social Security benefits and how to plan for a financially secure retirement? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he guides you through estimating your Social Security benefits and crafting a retirement plan rooted in biblical stewardship.

Is It Possible to Estimate My Future Social Security Beneﬁts? With Ralph Estep, Jr.

In this episode, Ralph explores the tools provided by the Social Security Administration to estimate your benefits, emphasizing the importance of planning and diligence. He shares insights on how the timing of your benefit claims—such as choosing between starting at age 62 or waiting until 70—can significantly impact your monthly income. He provides actionable steps, from using the SSA's retirement estimator to consulting with financial advisors, ensuring a comprehensive approach to retirement planning. Discover how combining faith and financial foresight can help you achieve a secure and spiritually fulfilling retirement.

00:00 Episode Overview

00:51 Listener’s Concern

01:35 Bible Verse

02:20 Estimating Social Security Benefits

04:59 Factors to Consider

06:15 Christian Perspective on Retirement Planning

07:38 Actionable Steps

09:35 Recap and Final Thoughts

10:47 Call to Action

11:33 Outro

ssa.gov

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How can I use financial “fasting” to grow closer to God? Aug 02, 2024

Are your finances causing stress and affecting your relationship with God? Feeling overwhelmed by materialism and looking for a way to find peace and spiritual growth? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he introduces the concept of “Financial Fasting.”

How Can I Use Financial “Fasting” to Grow Closer to God? With Ralph Estep, Jr.

In this episode, Ralph delves into how Financial Fasting—intentionally cutting back on spending to focus on spiritual growth—can help you break free from financial stress and grow closer to God. Drawing from biblical principles and personal experiences, he provides practical steps for starting your own financial fast, from setting a specific timeframe to redirecting resources towards giving and saving. He emphasizes the broader impact of financial fasting, not just for personal growth, but also for helping others in need. Discover how financial fasting can help you find true freedom and deepen your faith.

00:00 Episode Overview

01:02 Listener’s Concern

01:37 Bible Verse

02:16 Defining Financial Fasting

03:02 Ralph’s Experience

03:33 Actionable Steps

08:15 Materialism and Our Relationship with God

07:08 Financial Fasting Story

08:12 Recap and Final Thoughts

10:06 Outro

LISTEN NOW

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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How do I handle getting audited by the IRS? Aug 01, 2024

Are you dreading the thought of an IRS audit? Feeling overwhelmed and unsure of what to do? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he tackles the nerve-wracking topic of IRS audits head-on.

How Do I Handle Getting Audited by the IRS? With Ralph Estep, Jr.

In this episode of The Ask Ralph Show, Ralph Estep Jr. discusses how to handle an IRS audit. He provides key advice, stating that listeners should not panic, as an audit does not automatically mean they have done something wrong. He also shares a personal story about his own audit experience, emphasizing the importance of staying calm, being prepared, and seeking professional help if needed. Tune in to get knowledge and tools needed to approach an IRS audit with a calm, prepared mindset, rather than succumbing to panic and fear.

00:00 Episode Overview

01:01 Listener Question: Receiving an IRS Audit Notice

01:58 Bible Verse

02:32 Handling an IRS Audit

04:19 What Not to Do During an IRS Audit

06:42 Taxpayer Rights

08:15 Ralph’s Experience

09:26 Actionable Steps to Prevent IRS Audits

11:04 Outro

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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What are seven financial perks of maintaining great credit? Jul 31, 2024

Are you tired of feeling stuck in a financial rut, unable to improve your credit score no matter what you do? Discover the hidden power of great credit and how it can transform your financial life, opening doors and saving you thousands of dollars. Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he talks about the power of great credit and how it can transform one's financial life.

What Are Seven FInancial Perks of Maintaining Great Credit? With Ralph Estep, Jr.

In this episode of The Ask Ralph Show, Ralph Estep Jr. talks about seven key financial perks of maintaining great credit, including lower interest rates, higher chances of loan approval, higher credit limits, and much more. He also explains how poor credit can cost listeners money through higher interest rates, denied loan applications, and fewer options for renting or buying a home. Tune in to learn how to leverage great credit to save money on loans, insurance, utilities, and housing, as well as improve their job prospects, and take actionable steps to improve their credit score over time.

00:00 Episode Overview

01:07 Listener Question: Struggling with Credit Score

02:04 Bible Verse

02:56 Perk #1: Lower Interest Rates

04:17 Perk #2: Higher Chances of Loan Approval

05:00 Perk #3: Higher Credit Limits

05:47 Perk #4: Better Insurance Rates

06:22 Perk #5: No Security Deposits on Utilities

07:09 Perk #6: Better Rental Options

08:00 Perk #7: Better Job Prospects

08:36 How Poor Credit Can Cost You Money

09:17 Steps to Improve Credit Score

10:45 Recap

12:05 Final Thoughts and Outro

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How can I protect myself from identity theft online? Jul 30, 2024

Are you concerned about the safety of your personal information online? Do you want to learn how to protect your digital identity while honoring your faith? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he provides practical advice and biblical wisdom on online security.

How Can Christians Protect Their Online Identity? with Ralph Estep Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. talks about online identity protection from a Christian view. Ralph offers practical steps and biblical insights to help you keep your digital life safe. Whether you're a small business owner or just an internet user, learn how to protect your personal info, avoid identity theft, and follow God's call to stewardship. Ralph answers a listener's question on handling sensitive data, explains the need for strong passwords, two-factor authentication, and avoiding phishing scams. Tune in to see how protecting your digital identity fits with biblical principles and brings peace of mind.

00:00 Episode Overview

00:22 Introduction and Yesterday's Show Recap

01:05 Listener's Question

02:02 Bible Verse

02:25 Understanding Identity Theft

03:30 Practical Steps to Protect Your Online Identity

06:05 The Role of Biblical Stewardship in Online Security

08:13 Personal Experience with Phishing

09:13 Five Actionable Steps to Enhance Online Security

10:35 Recap and Final Thoughts

11:58 Outro

www.expressvpn.com

nordvpn.com

www.identitytheft.gov

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Should you get a home equity loan or a home equity line of credit? Jul 29, 2024

When considering tapping into your home equity, have you ever felt unsure whether to opt for a home equity loan or a home equity line of credit (HELOC)? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the key differences between these two options and helps you decide which is best for your financial needs.

Should You Choose a Home Equity Loan or HELOC? with Ralph Estep Jr.

In this episode, Ralph explores the financial and emotional aspects of choosing between a home equity loan and a HELOC. He explains the benefits and drawbacks of each, such as fixed versus variable interest rates, flexibility in borrowing, and the risk of overborrowing. Ralph also emphasizes the importance of understanding the associated costs and the potential impact of fluctuating interest rates. Through practical financial advice and biblical wisdom, Ralph aims to help you make an informed decision about managing your home equity.

00:00 Episode Overview

00:22 Introduction to Home Equity Options

01:08 Listener Question from Gabby

02:01 Biblical Perspective on Home Equity

02:34 Pros and Cons of Home Equity Loans

04:11 Pros and Cons of HELOCs

06:01 Cost Considerations

07:17 Choosing the Right Option

09:07 Final Thoughts and Practical Guidelines

09:44 Outro

bankrate.com

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How do I manage poverty, wealth, and material needs with a heavenly mindset? Jul 28, 2024

Are you struggling to balance your financial needs with your spiritual life? Are you wondering how to manage wealth or poverty while keeping your eyes on heaven? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he dives into this crucial topic.

Managing Wealth and Faith with a heavenly mindset: Is It Wrong for Christians to Be Wealthy? with Ralph Estep Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. addresses a critical question: Is it wrong for a Christian to be wealthy? Ralph explores the biblical perspective on wealth and poverty, emphasizing responsible stewardship, humility, and generosity. He answers a listener's question about balancing financial success with faith, providing practical advice and biblical wisdom. Ralph also discusses the importance of not putting hope in wealth, being generous, and maintaining an eternal perspective regardless of one's financial situation. Tune in for insights on how to navigate the tricky waters of material needs with spiritual growth.

00:00 Episode Overview

00:44 Recap of Yesterday's Show

01:05 Listener's Question

02:01 Bible Verse

03:00 Unpacking the Verse

03:27 Ralph's Personal Experience with Wealth and Guilt

04:35 Three Biblical Instructions for the Wealthy

04:56 1. Don't Be Arrogant

06:01 2. Don't Put Hope in Wealth

07:02 3. Be Generous and Do Good

07:31 Practical Examples of Generosity

08:39 Maintaining a Heavenly Mindset in Poverty

09:09 Practical Steps for Financial Struggles

10:28 Eternal Perspective on Financial Management

10:59 Recap of Key Points

11:51 Preview of Tomorrow's Show: Home Equity Loans vs. Lines of Credit

12:18 Invitation to Join the Community and Get a Free Book

12:47 Closing Prayer

13:35 Outro

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How do I get started walking for fitness – a great interview with David Paul and his daily podcast “Walking is Fitness” Jul 27, 2024

Do you feel like you're stuck in a fitness rut or struggling to find a cost-effective way to stay healthy? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the multifaceted benefits of walking with podcaster David Paul.

Can Walking Improve Both Your Health and Finances? with Ralph Estep Jr. and Dave Paul

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. chats with Dave Paul from the "Walking is Fitness" podcast. They explore the fascinating links between fitness and finances, showing how a simple walking routine can boost your savings and enhance your health. Dave offers easy-to-follow tips for starting and keeping up a walking habit, highlights the importance of good footwear, and explains how walking can lower health risks and cut medical costs. They also touch on the emotional and social perks of walking, like easing boredom and building stronger relationships. Dave’s personal story and love for walking bring inspiring insights and encouragement for listeners. Don’t miss out on learning how walking can positively impact your health, budget, and connections.

walkingisfitness.com

00:00 Episode Overview

00:22 Bible Verse

01:25 Interview with David Paul

02:06 Financial Benefits of Walking

03:17 Cost-Effective Exercise Tips

04:31 Saving Money on Parking and Boredom Busters

05:15 Walking During Vacations

06:01 Long-Term Health Savings

08:13 Relationship Building Through Walking

11:01 Starting Your Own Walking Routine

19:32 Turning a Passion for Walking into a Business

25:51 Staying Motivated

34:38 Walking and Faith

42:14 How to Connect with David Paul

42:28 Outro

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What are the 401K beneficiary rules I need to know and make sure I am aware of when managing my retirement accounts? Jul 26, 2024

Understanding 401Ks and retirement accounts can be really confusing. Are you sure your savings will go to your loved ones? What steps do you need to take to make sure your family is taken care of? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses rules for 401K and retirement account beneficiaries.

What Are the 401k Beneﬁciary Rules I Need to Know and Make Sure I Am Aware of When Managing My Retirement Accounts? With Ralph Estep, Jr.

In this episode of The Ask Ralph Show, Ralph Estep Jr. talks about the important rules for 401K and retirement account beneficiaries. He explains how filling out and updating your beneficiary forms is crucial since these forms, not your will, decide who gets your retirement money when you pass away. He also talks about avoiding probate issues and why you should review your financial documents every year, especially after big life changes like getting married, divorced, or having a child. Tune in to get practical tips on handling beneficiary designations, knowing about spousal rights, and the importance of naming contingent beneficiaries.

00:00 Episode Overview

01:12 Listener’s Question

01:57 Bible Verse

02:24 Power of the Beneficiary Designation Form

04:00 Spousal Rights and Exceptions

04:45 Contingent Beneficiaries

05:21 Avoiding Probate

05:50 Reviewing and Updating Beneficiary Designations

07:17 Actionable Steps

07:46 Final Thoughts

08:19 Outro

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How do I reduce my taxes when I take money from my 401K or other retirement account? Jul 25, 2024

Feeling stressed about the taxes on your 401K withdrawals and their effect on your retirement? Listen to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares tips to lower taxes on your retirement withdrawals. How do I reduce my taxes when I take money from my 401K or other retirement account?with Ralph Estep Jr.

How Can I Lower My Taxes When Withdrawing from My 401K? with Ralph Estep Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. answers a listener's question about minimizing taxes on 401K withdrawals. Ralph explores various strategies to keep more of your hard-earned money, such as understanding your tax bracket, considering Roth conversions, and exploring tax-advantaged withdrawal options. He also emphasizes the importance of consulting with a qualified financial advisor to develop a personalized plan. Tune in to gain practical financial advice and biblical wisdom for better managing your retirement savings.

00:00 Episode Overview

01:25 Listener Question

02:12 Understanding Your Tax Bracket

04:27 Roth Conversions

05:44 Tax-Advantaged Withdrawal Options

08:13 State Taxes Considerations

08:33 Final Thoughts

09:33 Outro

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How do I make sure I’m not filing a false tax return with the IRS? Jul 24, 2024

Do you ever find yourself torn between taking easy shortcuts and staying honest when filing taxes? Listen to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares tips on filing taxes truthfully and steering clear of IRS issues.

How to not file a false return and File Taxes Honestly and Avoid IRS Trouble? with Ralph Estep Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. dives into the world of taxes. He shares how to file taxes honestly and ethically while steering clear of those tempting tax traps that might get you in trouble with the IRS. Ralph answers a listener's question about creative tax strategies from a financial seminar and offers practical advice to keep you on the right path. He highlights the importance of integrity, points out common tax frauds to avoid, and touches on the role of faith in financial matters. Join Ralph for some valuable tips and biblical wisdom to help you smoothly navigate the complexities of tax filing.

00:00 Episode Overview

00:29 Introduction

01:27 Listener's Question

02:25 Bible Verse

02:59 Common Tax Frauds and How to Avoid Them

05:12 Actionable Steps for Honest Tax Filing

07:29 Key Takeaways and Final Thoughts

07:47 Outro

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What are some faith-based investing principles and tools I can use to grow my investments and maintain my faith? Jul 23, 2024

Have you ever wondered if you can grow your investments while staying true to your Christian faith? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses faith-based investing principles and tools to help you align your financial decisions with your beliefs.

What are some faith-based investing principles and tools I can use to grow my investments and maintain my faith? with Ralph Estep Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. addresses the concerns of a listener who wants to invest in line with their Christian beliefs but feels lost with the choices and worried about scams. Ralph breaks down easy steps to define your values, research investments, and find faith-based funds and trustworthy advice. He also points out warning signs like promises of high returns, pushy sales tactics, lack of clarity, and spiritual manipulation. Join Ralph for some practical financial tips and biblical wisdom to help you invest wisely and stay true to your faith.

00:00 Episode Overview

01:15 Listener’s Question

02:14 Bible Verse

02:53 Defining Faith-Based Investing

03:29 Actionable Steps for Faith-Based Investing

05:35 Avoiding Scams and Red Flags

07:39 Personal Story

08:52 Encouragement and Final Thoughts

9:47 Outro

www.ecfa.org

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How do I repair my bad credit? Jul 22, 2024

Is a bad credit score dragging you down and making it hard to reach your financial goals? Fixing bad credit might seem tough, but it doesn't have to be. Tune into Ralph Estep, Jr. on the Ask Ralph Podcast for clear steps to improve your credit, all while keeping faith at the forefront.

How Do I Repair My Bad Credit? With Ralph Estep Jr.

In this show, Ralph breaks down essential steps for repairing bad credit, from understanding your credit report to disputing errors and creating a budget. Whether you're just starting your credit repair journey or looking for additional tips, this episode provides valuable insights to help you achieve financial freedom. Now is the time to take control of your financial future!

00:00 Episode Overview

01:06 Listener’s Question

02:22 Bible Verse

03:00 Step One: Know Where You Stand

03:45 Step Two: Dispute Errors

04:20 Step Three: Create a Budget and Stick to It

05:02 Step Four: Pay Your Bills on Time

05:29 Step Five: Reduce Your Credit Utilization

06:03 Step Six: Become an Authorized User

06:25 How Long Will It Take to Repair Credit?

06:55 Avoiding Credit Repair Scams

08:28 Final Thoughts

10:01 Outro

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What does biblical tithing actually mean and how do I develop a giving plan based on biblical principles? Jul 21, 2024

Have you ever wondered if you're giving enough to your church? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the biblical principles of tithing and how to develop a giving plan that aligns with your faith and financial goals.

What Does Biblical Tithing Actually Mean? with Ralph Estep Jr.

Today, Ralph talks about the principles of biblical tithing and how to develop a giving plan that aligns with your faith and financial goals. He addresses common concerns about tithing, such as balancing finances while honoring God with your money. He also explains the biblical foundation of tithing, the significance of a generous heart, and practical steps to grow in your giving journey. Ralph also answers listener questions, shares personal stories, and offers advice on managing finances with faith. Tune in for practical financial advice and biblical wisdom to help you understand and implement tithing in your life.

00:00 Episode Overview

01:14 Listener Question

02:04 Bible Verse

02:43 Understanding Biblical Tithing

05:24 Practical Steps to Cultivate Generosity

06:39 Growing in Sacrificial Giving

07:53 Final Thoughts

10:12 Outro

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What are the 8 types of homeowners insurance and which should I have for my home? Jul 20, 2024

Are you confused about which homeowners insurance is best for your home? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explains the eight different types of homeowners insurance you need to know about.

What are the 8 Types of Homeowners Insurance You Need? | Ask Ralph Podcast

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. dives into the critical topic of homeowners insurance. With eight different types to consider, Ralph explains each one, helping you understand which coverages are essential for protecting your home. From dwelling coverage to personal liability, he breaks down the details and provides actionable tips for ensuring your home is properly insured. Ralph also shares a listener's question about navigating insurance policies and highlights the importance of being a good steward of your assets. Tune in for practical advice and biblical wisdom to make informed decisions about your homeowners insurance.

00:00 Episode Overview

01:14 Listener's Question

02:26 Bible Verse

03:12 Demystifying the 8 Types of Home Insurance

03:24 Dwelling Coverage

04:11 Other Structures Coverage

04:46 Personal Property Coverage

05:31 Loss of Use Coverage

06:01 Personal Liability Coverage

06:38 Medical Payments Coverage

07:15 Additional Living Expenses (ALE)

07:46 Endorsements or Riders

08:40 Final Tips and Conclusion

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Is it better to rent or buy a home? How do I decide what’s best for me? Jul 19, 2024

Are you losing sleep over the age-old question: should you rent or buy a home? Imagine the pressure of everyone telling you homeownership is the key to financial security and the American Dream. But with soaring interest rates and skyrocketing costs, is it all it's cracked up to be? What if tying yourself down to one place isn't the right move for you right now? Listen to Ralph Estep, Jr. on the Ask Ralph Podcast as he clarifies the complex decision that overwhelms many about buying or renting a home.

Is It Better To Rent Or Buy A Home? How Do I Decide What’s Best For Me? With Ralph Estep Jr.

Today, Ralph discusses the pros and cons of renting versus buying a home. He explores practical steps to assess your situation, from creating a budget to calculating debt-to-income ratios. More importantly, he shares biblical tips on how to find peace in your decision, even in the face of fear and uncertainties in this world. Tune into this episode for a balanced exploration of the rent vs. buy dilemma, backed by practical advice and spiritual insights to guide your path forward.

00:00 Episode Overview

01:07 Listener’s Question

02:05 Bible Verse

02:43 Buying Vs. Renting Home

03:51 Weighting Factors To Decide

04:37 Tip#1: Create A Budget

05:11 Tip#2: Calculate Your Debt To Income Ratio

06:07 Tip#3: Get Pre-Approved For A Mortgage

06:28 Tip#4: Costs Of Homeownership

06:48 Tip#5: Pray For Guidance

06:59 Where Does True Sense Of Security Come From?

07:50 State of Economy as a Factor

08:34 Final Thoughts

09:08 Outro

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What is the Secure Act 2.0 and how does this affect my retirement? Jul 18, 2024

Are you feeling overwhelmed by the complexities of retirement planning? Does mentioning new legislation like the SECURE Act 2.0 make your head spin? In a world where financial security seems increasingly elusive, many of us are left wondering how to prepare for a comfortable retirement when I'm struggling to keep up with today's expenses. Listen to Ralph Estep, Jr. on the Ask Ralph Podcast as he discusses the Secure Act 2.0 and its impact on retirees and small business owners.

What is the Secure Act 2.0, and How Does It Impact Your Retirement? With Ralph Estep Jr.

In this show, Ralph explains the Secure Act 2.0 in plain language, explores its key provisions, and reveals how to leverage these changes to build a more prosperous retirement. This episode will equip you with the understanding you need to navigate the changing landscape of retirement planning. Tune in to discover how the Secure Act 2.0 could be the game-changer you've been waiting for.

00:00 Episode Overview

01:35 Listener’s Question

02:53 Bible Verse

03:23 What is the Secure Act 2.0?

04:28 Why You Should Start Planning Retirement Early?

04:56 Easier catch-up contributions

05:40 Expanded small business retirement plan options

06:10 Be proactive about your financial future

06:45 Tomorrow’s Episode Preview

07:12 Outro

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My credit score has dropped below 700, what do I need to stop doing right away to improve my credit score? Jul 17, 2024

Are you frustrated by unexpected drops in your credit score? Do you feel like you're doing everything right, yet your score still takes a hit? Many people struggle with maintaining a good credit score, even when they think they follow all the rules. Imagine checking your credit score one day only to find it has plummeted below 700 points for no apparent reason. It's a shock that can leave you feeling helpless and confused. Listen to Ralph Estep, Jr. on the Ask Ralph Podcast as he explains the key factors that can unexpectedly lower your credit score and provides pro tips on stopping them from dropping.

How Can I Quickly Improve My Credit Score After It Drops Below 700? With Ralph Estep Jr.

In this show, Ralph explores the hidden factors impacting your credit score and reveals creative strategies for improving it quickly. From becoming an authorized user on someone else's credit card to strategically requesting credit limit increases, we'll cover methods you may have never considered. Take control of your credit score and unlock better financial opportunities. Discover how you can transform your credit profile starting today!

00:00 Episode Overview

00:51 Listener’s Question

01:34 Bible Verse

02:03 What Causes Your Credit Score To Drop Unexpectedly?

02:18 High Credit Utilization Ratio

02:34 Late Payments

03:03 Hard Credit Inquiries

04:05 Inaccurate Information

04:43 Changes In Credit

05:25 How Can You Start Improving Your Credit Score Quickly?

05:37 Tip #1: Become Someone Else’s Authorized Credit Card User

06:27 Tip#2: Pay Down Balances As Aggressively As Possible.

07:09 Tip#3: Use Credit Cards Responsibly

07:45 Tip#4: Consider Adding New Types Of Credit

8:52 Episode Recap

09:33 Outro

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What are the best online sources for online banking, bill payment and what are best ways to keep from gettng scammed? Jul 16, 2024

Does the idea of online banking make you uneasy? Are you worried that one wrong click could lead to financial disaster? Managing your money online can feel like navigating a minefield in today's digital age. With the constant threat of scams, fraud, and cyber attacks, it's no wonder many people are hesitant to embrace digital financial tools. Listen to Ralph Estep, Jr. on the Ask Ralph Podcast as he tackles these common fears head-on, providing practical solutions for safe online banking and bill payments.

What Are The Best Online Sources For Online Banking, And How To Avoid Getting Scammed? With Ralph Estep Jr.

In this show, Ralph breaks down essential online security measures, recommends trustworthy banking apps, and shares insider tips on protecting yourself from scams. Whether you're a tech-savvy millennial or a cautious traditionalist, this episode provides valuable insights to help you make the most of online banking while safeguarding your financial future. Now is the time to take control of your digital dollars and cents!

00:00 Episode Overview

01:08 Listener’s Question

02:02 Bible Verse

02:24 Choose Reputable Institutions

03:17 Create Strong And Unique Passwords

04:00 Be Wary Of Phishing Scams

04:48 Keep Your Software Up To Date

05:20 Monitor Your Accounts Regularly

06:03 Online Banking Relationship Checklist

08:44 Great Apps For Managing Your Online Banking

09:31 Final Thoughts

10:13 Outro

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How do I select the credit card which is best for me? Jul 15, 2024

Are you confused by all the credit card offers you get? Do you want to use credit cards wisely without getting into debt? It can be hard to pick the right card when there are so many choices and rewards. If you're new to credit cards, you probably want to find the best one for you and learn how to use it well. Listen to Ralph Estep, Jr. on the Ask Ralph Podcast as he talks about these common problems and gives helpful advice for beginners and business owners.

How Do I Select the Credit Card Which is Best for Me? With Ralph Estep Jr.

In this show, Ralph explores the challenges of responsibly building credit, choosing the right card for your needs, and navigating the enticing world of rewards. Join us as we break down the essentials of credit card selection, discuss biblical wisdom on financial stewardship, and provide actionable tips for managing your credit responsibly. This episode offers valuable insights to help you make informed decisions about credit cards and use them as a tool to build financial success.

00:00 Episode Overview

01:37 Listener’s Question

02:34 Bible Verse

03:06 Why Do You Need A Credit Card?

03:27 Credit Card For Beginners

04:11 Truth On Credit Card Rewards

04:37 Tips For Using Credit Cards Wisely

05:41 Final Thoughts

06:02 Outro

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How do I stop battling comparison with others and find contentment in Christ? Jul 14, 2024

Are you tired of feeling inadequate when scrolling through social media? Do you constantly compare your financial situation to others, wondering why God hasn't blessed you similarly? Many of us struggle with the painful comparison cycle, which leaves us questioning our worth and blessings. Tune into this episode of the Ask Ralph Podcast with Ralph Estep, Jr., as he tackles the pervasive issue of comparison, especially regarding finances, and offers biblical wisdom and practical advice to break free from this trap.

Finding True Contentment: How to Stop Comparing Yourself to Others? With Ralph Estep Jr.

In this show, Ralph shares personal stories and practical steps guided by biblical wisdom to help you break free from the comparison trap. He emphasizes the importance of gratitude, focusing on your journey, and seeking contentment in Christ. Through this transformative episode, you’ll learn to embrace the blessings before you and experience a peace that surpasses all understanding. Tune in to discover how to reclaim your joy and find true contentment, regardless of your financial situation.

00:00 Episode Overview

01:07 Listener’s Message

02:44 Bible Verse

03:33 How Does Comparison Steal Our Joy?

04:06 Ralph’s Story

05:35 What Are the Practical Steps to Find Contentment?

07:34 Prayer

08:03 Next Episode Preview

08:27 Outro

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

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How do I evaluate my life insurance needs? How much life insurance do I really need? Jul 13, 2024

How do you evaluate your life insurance needs? Are you confused about the differences between term and whole-life policies? Life insurance is a crucial safety net for our future. It allows us to have peace of mind regarding the financial needs of our loved ones. However, understanding its process and why you need it can be a struggle. In this episode of the Ask Ralph Podcast with Ralph Estep Jr., we explore the world of life insurance and address the common frustrations and questions that plague many families.

How do I evaluate my life insurance needs? How much life insurance do I really need? With Ralph Estep, Jr.

In episode 195 of the Ask Ralph Podcast, host Ralph Estep Jr. breaks down the complexities of life insurance into digestible insights. Whether you're a new parent or planning for retirement, this episode offers valuable guidance to help you navigate the often perplexing landscape of life insurance. Tune in to gain clarity, dispel myths, and give yourself the knowledge to make informed decisions about life insurance that align with your faith and financial goals.

00:00 Episode Overview

01:23 Bible Verse

02:06 Listener’s Question

02:52 How much life insurance do you need?

03:31 Two Types Of Life Insurance

04:32 Set Up Your Policy

05:13 Why is Life Insurance important?

06:04 How much life insurance do You need?

07:08 What's the difference between term and whole life insurance?

07:55 Which is the best type of insurance for you?

08:17 Where to buy an insurance?

08:57 Final Thoughts

09:24 Episode Recap

09:40 Outro

Links:

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When is the right time to refinance my home? Jul 12, 2024

Are your house payments making you feel stuck? Want to make your money work better for you? Refinancing might help, but it can be challenging. Tune in to this episode of the Ask Ralph Podcast with Ralph Estep, Jr., as he tackles the complex world of mortgage refinancing and addresses common frustrations and concerns. When is the right time to refinance my home? With Ralph Estep Jr.

Many people worry about their house payments and want smarter money plans. Refinancing or changing how you spend money can help. It can be scary to think about, even when banks offer lower interest rates. But it might be a way to free up your money. In this show, Ralph explains when and why to refinance. He uses real-life stories and advice from the Bible to help you understand. He talks about lowering your interest, paying off your loan faster, or using the value of your house. This show will help you decide if refinancing is right for you. Tune in to learn more!

00:00 Episode Overview

00:30 Listener’s Question

01:28 Bible Verse

02:06 What Is Refinancing?

02:48 Lower Interest Rates

03:27 Refinancing In a Short-Term Loan

04:26 Cash-Out Refinance

5:10 Two Types Of Refinancing

5:59 What Is The Cost Of Refinancing?

06:48 How Much Will You Save Each Month?

07:16 The Qualifications for Refinancing

08:03 Connection of Refinancing To Our Faith

09:07 Episode Recap

09:23 Final Thoughts And Outro

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What are these FICA taxes taken out of my paycheck and what is the trust fund? Jul 11, 2024

Do you get upset when you see a big chunk of your pay taken out? Are you confused about FICA taxes? Don't worry; you're not the only one. Many people, especially those new to working, wonder where their money goes and if they'll get it back. In the Ask Ralph Podcast episode, Ralph Estep Jr. talks about FICA taxes taken and how they relate to Social Security and Medicare.

Are You Ready for Retirement? What Your FICA Taxes Really Mean for Your Future With Ralph Estep, Jr.

Today, Ralph explains FICA taxes and why they're good for you in the long run. He talks about Social Security's history, starting during the tough times of the Great Depression. Social Security helps people when they retire, become disabled, or lose a family member who supports them. Ralph also explains how Medicare helps people 65 and older pay for healthcare. Listen to learn more about FICA taxes and how they'll be important for you later in life.

00:00 Episode Overview

00:47 Listener’s Question

02:48 Bible Verse

03:21 What is Social Security?

04:44 Problems with Social Security

05:18 What is Medicare?

06:09 Medicare Financial Challenges

06:40 Episode Recap

07:31 Final Thoughts And Outro

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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What are the 10 secret savings rules which they didn’t teach you in school? Jul 10, 2024

Do you ever feel like you should have learned some key money management skills back in school? Are you frustrated by how quickly your paycheck seems to vanish, leaving little to nothing for savings? Many of us struggle with the same issue—wondering where our money goes and how we can stash away more of it. This episode of the Ask Ralph Podcast with Ralph Estep Jr. shares 10 secret savings rules they didn’t teach you in school. How Can Unusual Money-Saving Tactics Boost Your Bank Account? With Ralph Estep, Jr.

In Episode 192 of the Ask Ralph Podcast, host Ralph Estep Jr. shares practical and unusual tips that can help you find extra money to stash away and grow your savings over time. From simple daily habits to wacky methods, Ralph covers it all. Ralph’s advice focuses not just on cutting costs; it’s about being smart with your money and prioritizing saving. Stay tuned to learn about these game-changing, money-saving tips!

00:00 Episode Overview

01:34 Bible Verse

02:25 The Spare Change Jar

03:09 The $5 Bill Savings Challenge

03:57 Negotiate Better Rates

04:36 Cut Back on Toilet Paper

05:07 Cash Back Apps and Sites

05:42 DIY vs Hiring Out

06:22 Scale Down Memberships and Subscriptions

07:06 Taking Coupons to Extremes

07:47 Hide Savings in Other Accounts

08:40 Work Side Gigs

09:30 Episode Recap

10:30 Final Thoughts And Outro

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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What are some apps I can use to rebuild my credit? Jul 09, 2024

Are you struggling with a low credit score that feels like an insurmountable obstacle? Have you ever felt overwhelmed by the power those three little numbers hold over your financial future? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses credit repair apps and strategies for rebuilding credit. What Are Some Apps I Can Use to Rebuild My Credit? with Ralph Estep Jr.

In this Technology Tuesday edition of the Ask Ralph Show, host Ralph Estep Jr. talks about credit repair apps and strategies for rebuilding credit. He addresses a listener's concern about credit damage due to job loss and reliance on credit cards. Ralph gives an overview of popular credit repair apps and guidance on how to choose the right credit repair app for your situation. He also emphasizes that while technology can help, it's just a tool and not a magic solution. The episode aims to help listeners, who are struggling with credit issues or looking to improve their credit score, in using technology to improve their financial situation while also offering spiritual support and practical advice.

00:00 Episode Overview

00:29 Welcome to Technology Tuesday

00:53 Listener Story

01:29 Bible Verse

02:05 Apps for Credit Repair

03:58 Which App Should I Use?

07:15 Ralph’s Tips

08:33 Final Thoughts

09:37 Outro

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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What are the ten money habits which are hurting my relationships? Jul 08, 2024

Are money issues straining your relationships? You're not alone. From financial infidelity to impulsive spending, these destructive patterns are silently eroding trust and intimacy in households across America. But what if there was a way to turn this around? This episode of the Ask Ralph Podcast with Ralph Estep Jr. delves into the thorny intersection of finances and relationships, exposing the 10 most damaging money habits that can tear couples apart. How Can Properly Managing Your Finances Help Strengthen Your Marriage? With Ralph Estep, Jr.

In Episode 190 of the Ask Ralph Podcast, host Ralph Estep Jr. shares personal stories of financial missteps in his marriages, including a misguided big-ticket purchase that contributed to his first divorce. He then offers practical, biblical wisdom on rebuilding trust, setting shared financial goals, and cultivating healthier money habits as a team. Whether you're newlyweds just starting or a couple on the brink of financial disaster, this episode provides the tools and inspiration needed to align your money management with your values and strengthen your relationships.

00:00 Episode Overview

00:28 Welcome Back to Motivational Monday

02:04 Bible Verse

02:42 10 Money Habits That Could Be Sabotaging Your Relationships

07:42 Build A Stronger Relationships

09:43 Heal From Your Past Financial Mistakes

10:55 Episode Recap

05:51 How to avoid scams?

07:39 Episode Recap

08:12 Outro

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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How can I make work and career decisions according to Gods will? Jul 07, 2024

Are you struggling to navigate your career path while staying true to your faith? Are you torn between pursuing professional success and honoring God's will for your life? Many Christians grapple with these questions, trying to figure out how to balance their ambitions with their spiritual convictions. This episode of the Ask Ralph Podcast with Ralph Estep Jr. tackles the challenge of making work and career decisions from a Christian perspective. How Can You Navigate Career Decisions as a Christian and according to Gods will? With Ralph Estep, Jr.

In Episode 189 of the Ask Ralph Podcast, host Ralph Estep Jr. shares his personal experience of facing a career crossroads, weighing a high-paying accounting job against a position at a local credit union. Through this anecdote and biblical wisdom, he offers practical guidance on discerning God's will for your professional life. Tune in to discover how to excel in your work while staying rooted in your Christian values.

00:00 Episode Overview

02:09 Bible Verse

02:33 Evaluating Job Opportunities

03:11 Reflecting on Motivations

03:27 Seeking Wise Counsel

03:53 Staying Spiritually Grounded

05:02 Final Thoughts and Prayer

06:20 Outro

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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How do I payoff a debt in collections? Jul 06, 2024

Are you drowning in debt, dreading every phone call for fear it's another relentless collector? Do you feel trapped in a financial nightmare with no way out? If so, you're not alone. Debt in collections can cast a dark shadow over your life, leaving you stressed, overwhelmed, and questioning your financial future. This episode of the Ask Ralph Podcast with Ralph Estep Jr. will help you break free from this cycle and start rebuilding your credit—all while staying true to your faith.

Are You Ready to Break the Chains of Debt? A Christian's Guide to Handling Debt in Collections With Ralph Estep, Jr.

In Episode 188 of the Ask Ralph Podcast, host Ralph Estep Jr. tackles the sensitive yet all-too-common issue of dealing with debt collectors. He offers practical, Bible-based strategies for managing overwhelming debt, handling collection calls with integrity, and taking the first steps toward financial freedom. Tune in to discover how making small, faithful steps can set you on the path to becoming debt-free and financially empowered.

00:00 Episode Overview

00:49 Introduction

01:25 Recap of Yesterday’s Episode

01:56 The Issue With Debt Collectors

02:32 Stopping Harassment from Collectors

03:23 The Best Ways to Start Repaying Your Debt

05:40 Negotiating Lower Payoffs

06:50 Steps Toward Rebuilding Credit

07:45 Bible Verse

08:24 Episode Recap and Final Thoughts

09:08 Outro

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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Is it safe to invest in precious metal IRAs? Jul 05, 2024

Are you frustrated by the stock market's ups and downs and looking for a more stable investment for your retirement? Imagine retiring with a nest egg made of solid gold or silver, immune to the whims of the stock market. Sounds ideal, doesn't it? With the allure of precious metals, IRAs are undeniable—promising stability and a hedge against inflation. But are they as foolproof as they seem? This episode of the Ask Ralph Podcast with Ralph Estep Jr. explores a controversial option that promises stability - precious metals IRAs. What are the Pros and Cons of Precious Metal IRAs? With Ralph Estep, Jr.

In Episode 187 of the Ask Ralph Podcast, host Ralph Estep Jr. will help you understand the pros and cons of precious metals IRAs. You'll learn how to evaluate if they're the right fit for your portfolio. We'll also expose the red flags that could indicate a potential scam. Are precious metal IRAs a haven or too good to be true? Whether you're considering diversifying your retirement portfolio or simply curious about alternative investments, this episode offers valuable insights to help you navigate the complex world of precious metal IRAs. Tune in to discover if these shiny investments are truly worth their weight in gold.

00:00 Episode Overview

00:48 Recap And Show Announcements

01:18 Bible Verse

02:13 What in the world is a precious metal IRA?

03:08 Pros of Precious Metal IRA

03:49 Cons of Precious Metal IRA

04:49 How do you actually invest in Precious Metal IRA?

05:51 How to avoid scams?

07:39 Episode Recap

08:12 Outro

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How do I handle taxes when I work in multiple states? Jul 04, 2024

You may be tired of dealing with multi-state tax compliance. If you are under the threat of double taxation and penalties, it can be a severe headache. Crossing state lines when working is a sure trainwreck of taxes gone wrong. This episode of the Ask Ralph Podcast with Ralph Estep Jr. is here to untangle your web of multi-state tax obligations. How do you navigate multi-state taxes to avoid double taxation and penalties? With Ralph Estep, Jr.

In Episode 186 of the Ask Ralph Podcast, with your host Ralph Estep Jr., you will hear how to stay out of being taxed twice on your earnings and what kind of records should help save from going through an audit process as well as common errors which could lead to penalties if you are not safe. You will want to experience this episode as you gain resources for emerging victorious with confidence in your multi-state tax situation! Well your entire questions will be answered by Ralph and make you understand this prurient for once. Do not be taxingly alone; let Ralph show you the way to multi-state compliance and serenity.

00:00 Episode Overview

00:21 Recap And Show Announcements

02:06 Bible Verse

02:37 Why will you owe state income taxes where you worked?

03:42 Why will you also owe state income taxes where you lived?

04:14 How may you claim a tax credit?

05:02 How can you determine your state residency status?

05:36 Why should you adjust withholdings or make estimated tax payments?

06:24 How can you file nonresident returns properly?

08:07 Why should you track time spent in each state?

08:59 Why should you pay close attention to retirement contributions?

08:46 Why should you consider the impacts on property and investments?

09:17 Why is it important to maintain good records?

10:49 Outro

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Is my side hustle actually illegal? Jul 03, 2024

Side gigs and side businesses have become increasingly popular ways to earn extra income. However, many entrepreneurs still need to know the complex web of local laws and regulations governing these operations. Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares how seemingly harmless side businesses can unwittingly break the law. Is Your Side Hustle Actually Illegal? With Ralph Estep, Jr.

In Episode 185 of the Ask Ralph Podcast, Ralph Estep Jr. discusses the legal complexities of operating side hustles, particularly ride-sharing services like Uber and Lyft. They highlight the importance of researching local regulations, licensing requirements, and taxes to avoid legal troubles. Ralph advises listeners to consult with local small business lawyers or accountants to ensure their side hustles are set up legally and sensibly.

00:00 Episode Overview

00:24 Recap And Show Announcements

01:50 Bible Verse

02:59 Is Your Side Hustle Illegal?

03:52 Illegal Side Hustle 1: Ride-Sharing Services

04:40 Illegal Side Hustle 2: Be Careful Listing Your Home For Short-Term Rental Sites

05:20 Other Quick Pitfalls To Avoid.

05:53 Researched The Local Regulations Carefully

06:24 What Steps Can You Take To Ensure Your Side Hustle Stays Aboveboard?

08:07 Episode Recap

08:59 Outro

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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Should I get a no credit check or other online loan? Jul 02, 2024

When financial pressures mount and your balance is dwindling, what's your next move? You might think about getting a fast online loan. But, are no credit check loans and payday loans really smart choices, or are they traps? Should we ever consider such online loans as feasible options? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explore their benefits, risks, and other alternatives. Should I Get a No Credit Check or Other Online Loan? with Ralph Estep Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the dilemmas of no credit check loans and other online lending options. He explains the financial and emotional challenges borrowers face when considering these types of loans. Ralph explores the scenarios where no credit check loans can be helpful, as well as the significant risks they pose. He also discusses safer alternatives to these high-interest loans and provides tips on avoiding debt traps. With practical financial advice and biblical wisdom, Ralph helps you navigate the complexities of borrowing in today's financial landscape.

00:00 Episode Overview

01:28 Bible Verse

02:22 What are No Credit Check Loans?

03:40 When are No Credit Check Loans Helpful?

05:05 When are No Credit Check Loans Harmful?

06:23 Pros of No Credit Check Loans

07:19 Cons of No Credit Check Loans

08:41 Alternatives to High-Interest Online Loans

10:13 Tips for Avoiding Debt Traps

11:40 Final Thoughts

12:09 Outro

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

WATCH NOW ON RUMBLE (OUR VIDEO VERSION)

VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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What is a home warranty and should I have one? Jul 01, 2024

Are you tired of worrying about expensive home repairs and replacements that could cost thousands of dollars? Have you ever wondered if there was a way to get peace of mind when owning a home? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr., as he will discuss how home warranties can help protect your budget from the unexpected costs of homeownership. What Is A Home Warranty, And Should You Purchase One? With Ralph Estep, Jr.

In Episode 183 of the Ask Ralph Podcast, Ralph Estep Jr. dives into how home warranties can help alleviate these surprise expenses off your shoulders by offering peace of mind. He will compare the benefits and drawbacks of these services so that you can determine if one fits your situation. By the end, you will know whether spending money to get a home warranty is worth your dollar or if investing it elsewhere makes more sense. Listen in to see if a home warranty is your solution to high-cost repair costs.

00:00 Episode Overview

00:29 Recap And Show Announcements

01:57 Bible Verse

02:26 What Is A Home Warranty?

03:05 What Does A Home Warranty Cover?

03:53 What Home Warranties Do Not Cover

04:30 Pros Of A Home Warranty

07:08 Cons Of A Home Warranty

08:17 How Much Does A Home Warranty Cost?

0:08 When Should You Purchase A Home Warranty?

10:03 What Should You Look For In A Home Warranty Company?

11:12 Episode Recap

11:38 Outro

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How do I become debt free through Godly wisdom and discipline? Jun 30, 2024

Are you drowning in debt and feeling like there's no way out? You're not alone - many people feel overwhelmed by their debt load, and getting ahead is impossible. But there is hope! How do you become debt free through Godly wisdom and discipline? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares how he discovered practical, biblical principles to help you break free from debt bondage. What Role Do Faith, Wisdom And Discipline Play In Achieving Financial Freedom? with Ralph Estep, Jr. How do I become debt free through Godly wisdom and discipline?

On Episode 182 of the Ask Ralph Podcast, host Ralph Estep Jr discusses breaking free from debt God's way. He explains how financial enslavement is a shared secret amongst many and provides a faith-based way to overcome it. Breaking down his philosophy of financial freedom into three core steps: wisdom, discipline, and faith, Ralph includes practical advice and spiritual guidance to help you on your path to financial freedom. Find out what it takes to create a workable budget, the best ways to get rid of debt, and how to invite God into your finances. This episode is especially powerful in that it gives practical steps to release debt, thereby embracing financial freedom and blessing.

00:00 Episode Overview

01:05 Recap

02:08 Bible Verse

02:45 Wisdom in Financial Decisions

04:16 Discipline and Budgeting

05:15 Faith and Trusting God's Provision

05:48 Practical Steps to Become Debt-Free

07:16 Final Thoughts and Prayer

08:03 Outro

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What should I keep in my safe deposit box? Do I even need one? Jun 29, 2024

Are your most precious possessions safe? Do you worry about losing important documents like your will or property deeds in a disaster? Should you keep it in your safe deposit box? Do you even need one? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he delves into the pros and cons of using safe deposit boxes to protect your most important possessions. Where Should You Keep Irreplaceable Documents and Heirlooms from Harm's Way? with Ralph Estep, Jr. What should I keep in my safe deposit box?

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. explores the nature of safe deposit boxes, those small but secure metal drawers hidden in your bank's vault. He reveals the strengths and vulnerabilities of safe deposit boxes and discusses alternatives like home safes and digital storage for those seeking other options. Tune in to learn if a safe deposit box is right for you and how to keep your priorities in check while safeguarding your valuables.

00:00 Episode Overview

01:17 Safe Deposit Box

02:39 What to Keep in a Safe Deposit Box

03:33 What Not to Keep in a Safe Deposit Box

04:20 Security of Safe Deposit Boxes

05:08 Alternatives to Safe Deposit Boxes

06:22 Bible Verse

06:52 Biblical Perspective on Treasures

07:15 Final Thoughts

07:39 Outro

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What do I do when I inherit property with someone else? Jun 28, 2024

Inheriting a property with someone else, such as a sibling or co-owner, can be an emotionally charged situation rife with potential problems, pains, and frustrations. Managing shared inheritance involves navigating complex legal and family dynamics - but it doesn't have to result in conflict if you take the right approach. In this episode, Ralph Estep Jr. shares 8 essential steps to handling an inherited property with grace and wisdom. Discover proven techniques for avoiding disputes and ensuring a fair outcome for everybody involved. What do I do when I inherit property with someone else? With Ralph Estep, Jr.

In this episode of the Ask Ralph podcast, host Ralph Estep Jr. emphasizes the importance of open communication, seeking legal advice, and compromise. He stresses the need for clear communication and legal advice, mentioning that consulting with an experienced estate attorney can help individuals understand their rights and obligations. Ralph also highlights the importance of maintaining positive relationships and approaching the situation clearly to achieve a fair outcome for all parties involved. Stay tuned as Ralph shares insights to help you turn this potentially stressful situation into a positive experience.

00:00 Episode Overview

00:53 Show Announcements

01:59 Bible Verse

02:41 Action 1: Communicate Openly And Honestly

03:19 Action 2: Seek Medical Guide

03:48 Action 3: Get The Property Appraised

04:16 Action 4: Consider Your Options

04:56 Action 5: Put Everything In Writing

05:31 Action 6: Be Willing To Compromise

05:56 Action 7: Try To Keep Your Emotions In Check

06:22 Action 8: Seek Mediation If Necessary

07:12 Episode Recap

08:19 Steps To Take If You've Inherited A Property With Someone Else

08:57 Outro

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How many years can the IRS audit my returns? Jun 27, 2024

As a taxpayer, knowing the IRS audit time limits is essential to avoid any surprises. Familiarizing yourself with these time limits and diligently maintaining good record-keeping practices will protect you from unforeseen complications during an audit process. In this episode, Ralph Estep Jr. discussed strategies for minimizing the risk of IRS audits and answers the question - how many years can the IRS audit my returns?

In this episode of the "Ask Ralph" podcast, your host, Ralph Estep Jr., dives into the nitty-gritty of IRS time limits, revealing that while the standard audit window is three years, there are exceptions that could extend this period. Additionally, Ralph offers advice on how to face potential scrutiny in IRS audits with confidence. Join Ralph as he unravels the mysteries of IRS audits, offering insights that could save you from unnecessary worry and financial headaches.

00:00 Episode Overview

00:42 Show Announcements

01:25 Bible Verse

01:58 Understand Irs Audit Time Limits

02:49 Exception 1: Substantial Understatement Of Income

03:31 Exception 2: Fraud Or Intentional Misrepresentation

04:05 Exception 3: Unfiled Tax Return

04:52 Minimize Your Audit Risk

05:23 Step 1: File On Time Every Time

05:59 Step 2: Double Check Your Work

06:42 Step 3: Keep a Meticulous Record

07:03 Step 4: Don't Be Afraid To Seek Professional Help

07:48 Episode Recap

08:21 Outro

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How can you manage unexpected expenses without getting trapped in a debt cycle? Jun 26, 2024

Are you tired of living paycheck to paycheck and want more financial freedom but don't know how to get extra cash without falling into a debt trap? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he offers great options to avoid high-interest personal loans and manage unexpected expenses without getting trapped in debt. Need Cash Fast? 5 Better Options Than Personal Loans with Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. offers great options to avoid high-interest personal loans and manage unexpected expenses without getting trapped in debt. He shares his best tips for getting out of a financial pinch through budgeting, saving, and using credit responsibly and also explores five personal loan alternatives like building an emergency fund, tracking your spending, exploring side hustles, and more. Are you ready to take control of your finances once and for all but don't know where to start? Tune in to learn creative ways to free yourself from the fear of not having a financial safety net the next time life throws you a curveball.

00:00 Episode Overview

00:55 Show Announcements

01:35 Bible Verse

02:30 Emergency Fund Savior

02:59 Save Your Money

03:22 Budget Buster Buster

04:11 Budgeting Apps

04:31 Side Hustle Hero

04:57 Brainstorm For Side Hustle Ideas

05:22 Family And Friends

05:51 Write Everything

06:10 Credit Card Crusader

06:35 Pay The Bill Fully

07:12 Outro

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What is an ETF and is it a safe investment for me? Jun 25, 2024

Have you ever wondered what an ETF is and if it's a safe investment for your portfolio? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explains all about this common type of investment and explores how it aligns with your financial goals and Christian values. What is an ETF and is it a safe investment for me? with Ralph Estep Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. talks about Exchange-Traded Funds (ETFs). He explains the advantages of ETFs, such as diversification and liquidity, and highlights the importance of aligning your investments with your Christian values. Ralph also explores the potential risks with ETFs and gives handy tips on how to invest in them. Listen for helpful advice on making smart investment choices.

00:00 Episode Overview

01:16 Recap

01:54 Bible Verse

02:29 What is an ETF?

02:53 Benefits of ETFs

04:07 Risks and Considerations

05:35 Aligning Investments with Christian Values

05:56 Practical Steps for Investing in ETFs

07:22 Recap and Closing

08:10 Outro

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Are Credit Counseling Services Really a Scam or Do They Help People in Debt? Jun 24, 2024

When you're overwhelmed by debt, credit counseling services can seem like a lifeline. But how do you know if they're legitimate or just another scam? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explores the truth behind credit counseling services.

Are Credit Counseling Services Really a Scam or Do They Help People in Debt? with Ralph Estep Jr.

In this episode, Ralph Estep Jr. dives deep into the world of credit counseling services. Are they a legitimate way to get out of debt, or are they just another scam preying on vulnerable people? Ralph separates fact from fiction, explains how to identify reputable services, and shares real-life stories of both success and failure. He also provides actionable steps to help you make informed decisions about your financial well-being.

00:00 Episode Overview

01:08 Bible Verse

02:15 What Are Credit Counseling Services?

02:54 Difference Between Non-Profit and For-Profit Services

03:39 Common Scams to Watch Out For

04:23 Real-Life Success and Failure Stories

05:40 Actionable Steps for Choosing a Credit Counseling Service

07:11 Recap and Closing

08:42 Outro

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How Can You Balance Wealth and Generosity Biblically? Jun 23, 2024

When balancing wealth and generosity, have you ever felt torn between enjoying financial success and staying true to your Christian values? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses how to navigate this challenging yet important aspect of Christian living.

How Do I Balance Money, Possessions, and Generosity from a Biblical Perspective? | Ask Ralph Podcast

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. dives into a crucial topic for Christians: balancing financial success with biblical generosity. Ralph explores whether it’s possible to enjoy the nicer things in life while maintaining a strong Christian walk and offers practical advice on how to achieve this balance. He discusses key principles such as shifting your perspective on wealth, practicing biblical stewardship, embracing the joy of generosity, and seeking contentment. Tune in as Ralph provides actionable steps and biblical wisdom to help you navigate your financial journey with faith and integrity.

00:00 Episode Overview

02:21 Bible Verse

03:37 Shifting Perspective on Wealth

04:13 Practicing Biblical Stewardship

04:43 Embracing the Joy of Generosity

05:08 Seeking Contentment

06:13 Practical Action Steps

07:54 Recap and Closing Prayer

08:54 Outro

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How Can Small Business Owners Increase Their Company's Value? Jun 22, 2024

Are you a small business owner feeling stuck and unsure of how to increase the value of your business? Do you find yourself overwhelmed by the day-to-day tasks and unable to step back from operations? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. and guest David Chudyk, as they discuss the challenges many entrepreneurs face when it comes to growing their business value.

How Can Small Business Owners Increase Their Company's Value? With David Chudyk & Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. interviews David Chudyk - a Certified Financial Planner who specializes in helping small business owners. They dive into the difficulties of evaluating a business's true worth, delegating tasks to free up time, and managing client expectations. David emphasizes the importance of systems and processes to remove reliance on the business owner. But how does one implement such changes when worn down by the grind? Tune in to gain insight into increasing business value through strategic planning, asset management, and faith-based principles. Ralph and David leave the entrepreneur with food for thought on elevating their business from a job to an asset.

00:00 Introduction

00:38 Increasing Business Value

02:38 The Hub and Spoke of Business

04:22 Recurring Revenue Strategies

07:11 Empowering Employees

11:14 Relationship Building

14:45 Business Diversification

17:47 Gatekeeping for the Business Owner

20:16 Tax Planning Considerations

22:06 Increasing Business Value Strategically

27:06 Faith in Business

32:59 Final Word

35:33 Outro

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Should You Put Money Down on Your Next Car Purchase? Jun 21, 2024

When deciding on a car purchase, have you ever felt torn between making the financially optimal choice and the option that would give you the most peace of mind? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses whether to make a down payment on your next car purchase.

Should You Put Money Down on Your Next Car Purchase? with Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the dilemmas of car buying, specifically whether to make a down payment on a new vehicle. He explains the financial and emotional challenges buyers face, such as deciding how much to put down or whether to make a down payment at all. Ralph explores whether stretching your budget for a lower interest rate is wise and considers the risks of a smaller down payment, like potential job loss. He also discusses options like GAP insurance and shopping around for rates, emphasizing the balance between responsible stewardship and peace of mind. Tune in as Ralph provides practical financial advice and biblical wisdom to help you make an informed decision on this important purchase.

00:00 Episode Overview

02:07 Bible Verse

02:45 Down Payment Considerations

03:59 Interest Rates and Loan Terms

05:11 Depreciation and GAP Insurance

07:23 Peace of Mind and Common Questions

08:34 Final Thoughts

09:38 Outro

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What Really Happens If You Cheat on Your Taxes? Jun 20, 2024

Have you ever been tempted to cut corners on your taxes? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses common tax evasion methods, how the IRS catches tax cheats, and the severe penalties for intentional tax fraud to encourage listeners to file their taxes honestly and with integrity.

What Really Happens If You Cheat on Your Taxes? with Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the temptation to cut corners on taxes. He explains how easy it is to rationalize hiding cash income or overestimating deductions, but warns that even minor tax evasion can have major consequences if the IRS catches you. Ralph explores the most common ways people unintentionally or intentionally cheat on their taxes each year and examines how the IRS actively looks for discrepancies using advanced technology to uncover tax evaders. With penalties including massive fines, prison time, and loss of professional licenses, Ralph stresses the importance of filing ethically and with integrity. Tune in to learn the sneaky ways the IRS catches tax cheats and how to avoid an audit.

00:00 Episode Overview

02:01 Bible Verse

02:40 Common Scenarios of Tax Evasion

03:28 Top Ways People Cheat on Taxes

04:52 Claiming False Deductions

06:41 Barter Transactions as Taxable Income

07:26 Mixing Personal and Business Expenses

08:49 Offshore Accounts and Tax Evasion

09:36 IRS Methods for Detecting Tax Evasion

10:27 Potential Consequences of Tax Evasion

11:54 Coming Clean to the IRS

13:58 Positive Steps to Avoid Tax Cheating

15:43 Final Thoughts

16:39 Outro

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Are You Prepared for the Unexpected Expenses of Maintaining a Home? Jun 19, 2024

Imagine you finally get your dream house. You got approved for a mortgage, signed all the papers, and now you have the keys in your hand. But wait, is owning a house really that easy? What about all those extra costs that might pop up unexpectedly? Well, in this episode of the Ask Ralph podcast, Ralph Estep Jr. is going to talk about all those hidden costs that can surprise new homeowners.

How Can You Budget for Unforeseen Expenses and Protect Your Finances as a Homeowner? With Ralph Estep, Jr.

In this episode of the "Ask Ralph" podcast, your host, Ralph Estep Jr., delves into these hidden housing expenditures, shows you how to construct a budget to handle them, and discusses simple strategies for reducing financial stress. Learn how to properly negotiate these hidden expenses, allowing you to enjoy your property without financial stress. Most importantly, seek God's provision in financial decisions and practice discipline in saving and budgeting to attain financial independence through homeownership.

00:00 Episode Overview

00:26 Welcome To Ask To Ralph Podcast And Show Announcements

02:20 Bible Verse

02:56 Maintenance And Repairs

03:59 Property Taxes And Insurance

04:59 Utilities

05:42 Closing Cost

06:38 Unforeseen Repairs And Emergency Fund

07:18 Upgrades And Renovations

07:53 Miscellaneous

08:20 Action Tip#1: Research All Costs

08:54 Action Tip#2: Build Up An Emergency Fund

09:11 Action Tip#3: Insurance Rates

09:35 Homeownership Costs

10:00 Episode Recap

10:58 Outro

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How FDIC Insurance Protects Your Bank Deposits? Jun 18, 2024

Have you taken the time to verify that your bank accounts are fully covered by FDIC insurance? What steps would you need to take if your deposits exceeded the $250,000 insurance limit? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the important but often overlooked topic of FDIC insurance and its crucial role in protecting depositors' money in the event of bank failures.

How FDIC Insurance Protects Your Bank Deposits with Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the crucial role of FDIC insurance in protecting depositors' money in the event of bank failures. He explains that while bank failures are rare, they do occur and can leave depositors vulnerable to losing their savings. Ralph stresses taking prudent steps to safeguard resources, citing biblical wisdom. Tune in to understand how FDIC insurance works and why it's essential for protecting your savings.

00:00 Episode Overview

03:22 Bible Verse

04:18 What is FDIC Insurance and how does it work?

04:48 Bank Failures and the Role of the FDIC

06:16 FDIC Protection for Depositors During Bank Failures

07:16 FDIC Coverage for Online Banks

08:14 Ensuring Coverage for Deposits Over $250,000

09:07 Actionable Steps for FDIC Insurance Coverage

10:28 Final Thoughts

10:47 Outro

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How to Navigate Credit Card Offers Wisely and Avoid Common Traps Jun 17, 2024

Have you ever been enticed by a credit card offer that seemed too good to be true? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he dives into the world of credit card perks, helping you separate the blessings from the burdens. Discover how to maximize credit card benefits while avoiding the pitfalls that can lead to debt and stress. Learn practical tips to use credit cards wisely, and take control of your financial future.

Credit Card Confessions: Unveiling the Perks and Avoiding the Pitfalls with Ralph Estep Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the significance of understanding credit card perks and the associated risks. He covers practical tips for using credit cards responsibly, such as treating credit cards like debit cards, reading the fine print, comparing offers, negotiating terms, and resisting temptation. Tune in to learn how to take charge of your financial future and ensure that credit cards serve as a tool for financial success rather than a source of debt.

00:00 Episode Overview

00:29 Welcome and Show Announcements

01:43 Bible Verse

02:16 The Benefits of Credit Cards

02:34 The Costs and Risks

03:09 Practical Tips for Using Credit Cards Wisely

05:53 Actionable Steps to Master Credit Card Usage

07:04 Recap and Encouragement

07:33 Outro

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How to Prepare for a Fear-Free Retirement with Practical and Spiritual Guidance Jun 16, 2024

Does the thought of retirement fill you with excitement or dread? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he addresses common fears retirees face, such as outliving savings, healthcare costs, inflation, and loss of purpose. Learn how to overcome these fears with faith-based guidance and practical financial strategies.

Overcoming the Fear of Retirement with Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the significance of addressing the fear of retirement. He covers the common worries retirees face; outliving savings, healthcare costs, inflation, and loss of purpose. Ralph shares actionable steps and spiritual encouragement to help you face the future with confidence and faith. Tune in to understand how to overcome these fears and take charge of your retirement planning.

00:00 Episode Overview

00:29 Welcome To Tax Talk Thursday And Show Announcements

01:31 Bible Verse

02:28 Fear of Retirement

03:48 Actionable Step #1: Start with Prayer and Gratitude

04:46 Actionable Step #2: Create a Budget and Track Your Spending

05:18 Actionable Step #3: Start Saving Early and Consistently

05:46 Actionable Step #4: Explore Different Retirement Savings Plans

06:14 Actionable Step #5: Consider Part-Time Work or a Side Hustle

06:33 Actionable Step #6: Seek Professional Advice

07:27 Closing Prayer and Encouragement

09:15 Outro

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What Do I Do When My Car Lease Ends? Jun 15, 2024

Are you confused about what to do when your car lease ends? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he addresses the common dilemma faced by many: what do I do when my car lease ends, should you turn in your leased car, buy it, or lease another one? Ralph discusses the pros and cons of each option, providing valuable insights to help you make the best decision.

What to Do When My Lease Ends with Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the significance of understanding your options when your car lease ends. He covers the pros and cons of turning in your leased car, buying the leased car, and leasing another car. Ralph also provides actionable steps and advice to help you make an informed decision that aligns with your financial goals and lifestyle. Tune in to understand your options and learn how to navigate the end of your car lease with confidence.

00:00 Episode Overview

00:16 Welcome and Show Announcements

01:45 Bible Verse

02:19 Introduction to Lease-End Options

02:50 Turning in the Leased Car

03:39 Buying the Leased Car

04:34 Leasing Another Car

05:10 Tips for Making the Best Decision

08:36 Recap

09:50 Outro

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How go I get my adult children to leave the nest? Jun 14, 2024

Do you have grown kids living at home and you're finding it challenging? Want to help them move out and become independent but not sure how to do it in a kind and supportive way? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he explores 10 practical yet biblically grounded strategies to help your adult kids spread their wings and leave the nest.

When It's Time to Let Go: Nurturing Self-Sufficiency and Independence in Your Maturing Children with Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. shares practical tips for parents to encourage their adult children to leave the nest lovingly. He covers strategies such as setting clear expectations, charging rent, encouraging activities outside the home, and showing confidence in their abilities. Each approach promotes growth and independence, ensuring children are prepared to thrive on their own. Tune in to gain valuable insights and start implementing these tips to help your adult children embark on their journey to independence.

00:00 Episode Overview

00:47 Welcome To Financial Friday And Show Announcements

01:58 Bible Verse

02:48 Tip #1: Set Clear Expectations

03:35 Tip#2: Charge Rent

03:56 Tip #3: Limit Involvement In Household Duties

04:26 Tip #4: Don't Redo Their Mistakes

04:53 Tip #5: Encourage More Time Out Of The House

05:22 Tip #6: Make Your Home Less Welcoming

05:53 Tip #7: Stop Giving Money

06:26 Tip #8: Set A Move-Out Deadline

06:55 Tip #9: Help, But Don't Solve

07:22 Tip #10: Show Confidence In Them

07:58 Episode Recap

08:52 Outro

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What are Required Minimum Distributions or RMDs? Jun 13, 2024

Are you confused about Required Minimum Distributions and how to manage them effectively in retirement? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he addresses common problems retirees face regarding RMDs, such as heavy tax penalties for non-compliance and uncertainty around minimizing taxes.

Navigating RMDs for a Stress-Free Retirement with Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the significance of comprehending and managing Required Minimum Distributions (RMDs) in retirement. He covers the current changes to RMD regulations, the government's interest in RMDs, and methods for preserving RMDs, such as consulting a financial counselor and determining how much to withdraw based on life expectancy and account balance. Tune in to understand this important retirement planning component and learn how to take charge of your financial future, ensuring that RMDs don't compromise your retirement income.

00:00 Episode Overview

00:21 Welcome To Tax Talk Thursday And Show Announcements

01:08 Bible Verse

01:31 What are RMDs?

02:17 Reaching the Age of 73

03:29 Penalties

04:06 Recent Changes in RMDs

05:16 Strategy #1: Withdraw More Than the Minimum

05:38 Strategy #2: Qualified Charitable Distributions

06:28 Strategy #3: Explore Roth Conversions

07:05 Strategy #4: Get Help From a Financial Advisor

07:37 Recap

08:26 Outro

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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Could AI in Lending Hurt Your Chances of getting a loan? Jun 12, 2024

Want to know how AI is changing the way lending works? Curious about the effects of algorithms assessing your creditworthiness? Join Ralph Estep Jr. in this episode of the Ask Ralph Podcast as he explores the intersection of AI and lending and the balance between technology and human empathy.

Technology, Human Touch, and Christian Principles: AI and Human Judgment in Lending with Ralph Estep Jr

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the impact of AI on lending. He emphasizes the importance of balancing technological advancements with the human touch, making sure we use fairness, kindness, and Christian values in our money choices. Tune in to understand why integrating human judgment with AI tools is important for creating a more inclusive and empathetic financial system.

00:00 Episode Overview

01:47 Potential Benefits of AI

02:22 Potential Downsides of AI

04:31 The Risks of an AI-only Approach

04:55 Bible Verse

05:34 The Human Connection

06:17 What Can Be Done?

07:24 Final Thoughts

07:38 Outro

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WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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Please share our Podcast with all your friends and family!

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ralph@askralph.com or leave a voicemail message on our podcast page

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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Setting Limits on Smartphone Use to Help Children Thrive in a Digital World Jun 11, 2024

Are your kids addicted to using their smartphones? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses concerns that excessive smartphone use can negatively impact children's development.

The Alarming Effects of Smartphone Overuse on Children with Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. raises concerns about how much children's lives revolve around screens in today's digital world. discusses how smartphones may be negatively impacting children's attention spans, sleep, and even leading to addiction. With dopamine releases from notifications and likes, are smartphones too enticing for developing minds? Tune in to better understand the impacts smartphones may be having on your children's development and well-being.

00:00 Episode Overview

00:31 Welcome To Ask To Ralph Podcast

00:49 Show Announcements

01:13 Bible Verse

02:01 Attention Spans

02:37 Sleep Issue

02:57 Smartphone Addiction

03:47 Solution #1: Set Limits

04:05 Solution #2: encourage other activities

04:27 Solution #3: Be a Good Role Model

04:55 Solution #4: Talk To Your Children

05:10 Goals As Parents

05:39 Episode Recap

06:21 Outro

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WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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ralph@askralph.com or leave a voicemail message on our podcast page

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

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Debt Free: Bankruptcy And Debt Management To Overcome Your Financial Burden Jun 10, 2024

Are you drowning in debt with no end in sight? Do collection calls have you constantly stressed? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses the complex world of debt management and bankruptcy.

Navigating Debt: Debt Relief Options Explained with Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. talks about the complex world of debt management and bankruptcy. He explores options that could help relieve your financial burdens, such as debt management programs and credit counseling. Ralph also explains the bankruptcy process and common misconceptions. Tune in to find out more about valuable strategies for navigating debt and uncover the path that's best for your unique circumstances.

00:00 Episode Overview

00:47 Welcome to the Ask Ralph Podcast

00:47 Grounding in Scripture

01:44 Bible Verse

02:20 Debt Management and Bankruptcy

02:46 Credit Counseling

03:48 Pros of Debt Management

04:58 Cons of Debt Management

06:23 Avoiding Debt Scams

07:38 Bankruptcy

08:34 Chapter 7 Bankruptcy

09:09 Chapter 13 Bankruptcy

09:56 Effects of Bankruptcy

11:28 When to Consider Bankruptcy

12:30 Exploring Your Options

13:06 Actionable Steps

14:07 Final Thoughts

14:39 Outro

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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How to Overcome Guilt and Find Spiritual Freedom Jun 09, 2024

Are you tired of feeling weighed down by the guilt of past financial mistakes? Fed up with the sleepless nights spent worrying about debt and how to get your finances back on track? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares how you can break free from guilt's heavy burden and start moving forward with confidence.

Break Free from Financial Guilt with Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the difference between guilt and conviction - and how shifting your mindset from one to the other can transform your financial and spiritual journey. While guilt keeps you stuck in the past, conviction provides the motivation to make positive changes. Tune in to discover Ralph's insights on breaking guilt's stronghold and embracing the power of conviction.

00:00 Episode Overview

01:40 Daily Bible Verse

02:10 Guilt vs Conviction

03:02 Embracing Conviction over Guilt

04:47 Recap of Discussion

05:36 Closing Prayer

06:33 Outro

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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How to Achieve Sustainable Success in Business After Burnout with Entrepreneur Ral West Jun 08, 2024

Picture yourself as an entrepreneur, juggling countless responsibilities and feeling overwhelmed by your business's demands, leaving little time for yourself and loved ones. Ever felt like you're trying to do it all, only to find it's impossible? Join us for this episode with Ral West, a successful entrepreneur, as she shares her journey of overcoming burnout and balancing business with family time.

Discover how Ral West overcame business burnout and learned to balance professional, and personal life through resilience and effective delegation.

Welcome to another episode of the "Ask Ralph" podcast with your host, Ralph Estep Jr. Today, we have Ral West, an entrepreneur with over 40 years of experience, joining us to discuss her struggles with overwhelm and burnout. Ral's journey emphasizes the resilience and positivity needed to overcome life's challenges, highlighting the importance of self-belief and grace during tough times. Plus, you'll discover how implementing effective business systems and delegating tasks can give you the freedom to spend more time with your loved ones.

00:00 Episode Overview

00:16 Daily Bible Verse

00:48 Introducing Ral West

01:49 Ral’s Entrepreneurship Journey

04:33 Actions that led to burnout

06:03 Balancing Family And Business

07:36 Ral’s steps to overcome her overwhelming life

10:32 Continual Learning

13:00 Overcome overwhelm

15:14 Biggest Causes Of Overwhelm

18:31 Empowering People

21:37 Exceeding Customer Service Expectations

25:41 How to Hire Good People

27:27 Advice for small businesses

30:00 Ral’s current purpose in life

31:07 Ral’s Life in Alaska

33:37 Keep Thinking Positive

36:51 Be Grateful Even in the Darkest Times

37:31 Outro

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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Achieving Your Financial Goals Through Intentional Budgeting Jun 07, 2024

Are you tired of feeling like you're just treading water with your finances, working hard but never making progress? Do you find yourself constantly reacting to unexpected expenses instead of being in the driver's seat? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he shares the 5 main purposes of budgeting that go far beyond just tracking expenses.

Gaining Clarity, Achieving Your Goals, and Finding Peace: Utilizing the Power of Budgeting with Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. talks about the 5 main purposes of budgeting. He also discusses how budgeting is a tool for spiritual growth, helping you use your money in a way that honors God and leaves a legacy of generosity. Tune in to discover the powerful reasons why intentional budgeting could be the key to gaining freedom over your finances and living a life full of meaning.

00:00 Episode Overview

00:35 Welcome to the Ask Ralph Podcast

01:07 Show Announcements

01:59 Daily Bible Verse

02:39 Purpose #1: Gaining Clarity And Control

03:41 Control on Budgeting

04:08 Purpose #2: Aligning Your Money with Your Values

05:15 Purpose #3: Achieving Your Financial Goals

06:24 Purpose #4: Building Financial Security and Peace of Mind

07:39 Purpose #5: Leaving A Legacy Of Generosity.

08:59 Final Thoughts and Encouragement

09:44 Outro

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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Stay Out of Trouble with the IRS: Penalty Prevention Tips Jun 06, 2024

Are you tired of tax season stress and surprises? Do the words "IRS penalties" keep you up at night? Tune in to this Tax Talk Thursday episode with Ralph Estep Jr. as he reveals the most common penalty pitfalls taxpayers face - and shares how to avoid them.

Proactive Tax Planning: Avoid IRS Penalties with Ralph Estep, Jr.

In this episode of Tax Talk Thursday, host Ralph Estep Jr. delves into the stressful world of tax season and IRS penalties. Ralph reveals the most common penalty pitfalls taxpayers face and shares essential strategies to avoid them. Learn about the hefty failure to file penalty, and discover how underpayment penalties apply if you owe over $1,000. Tune in to uncover the IRS' favorite fees, see if you're penalty-proofing properly, and learn how to keep more of your hard-earned money come tax time.

00:00 Episode Overview About Common IRS Penalties

00:18 Welcome To Tax Talk Thursday

01:21 Daily Bible Verse

01:54 Failure To File Penalty

03:02 Failure To Pay Penalty

04:14 What Options Do You Have To Pay What You Owe?

05:17 Underpayment Penalty

06:22 Accuracy-Related Penalty

07:16 Bible Principle To Diligently Manage Tax

07:30 Final Thoughts and Recap

08:33 Outro

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https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

Revealing Hidden Facts: Shocking Job Situations Jun 05, 2024

Did you ever consider the hidden truths behind common jobs? Join Ralph as he uncovers eye-opening facts about professions like bank tellers, flight attendants, and public defenders, revealing overlooked aspects of the workforce.

Discover the Unseen Realities of Everyday Jobs with Ralph Estep, Jr.

In the latest Ask Ralph Podcast episode, Ralph Estep Jr. dives into the unseen sides of everyday jobs. From banking to garbage collection to teaching, Ralph uncovers surprising truths about these professions. Beyond just pay and tasks, he delves into the stress, pressure, and personal sacrifices many workers face. Ralph urges listeners to assess workplaces with a clear eye and seek roles that bring fulfillment. It's a must-listen for those in the workforce or considering new paths.

00:00 Introduction and Today's Question

00:20 Welcome Remarks

01:54 Daily Bible Verse

02:09 Eye-Opening Job Truths

02:11 Job #1 - Bank Tellers

02:40 Job #2 - Garbage Collectors

03:15 Job #3 - Teachers

03:56 Job #4 - Flight Attendants

04:42 Job #5 - Veterinarians

05:21 Job #6 - Casino Dealers

05:55 Job #7 - Oil Rig Laborers

06:33 Job #8 - Fast Food Workers

07:11 Job #9 - Portfolio Managers

07:56 Job #10 - Truck Driver

08:34 Job #11 - Retail Workers

09:20 Job #12 - Construction Workers

10:04 Job #13 - Pilots and Flight Crew

10:44 Job #14 - Public Defenders

12:13 Recap

12:35 Ralph’s Call to Action

12:59 Special Announcement

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Buy Ralph's Book - Mastering Your Finances! on Amazon

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Balancing Fame and Faith: The Journey of an Influencer Jun 04, 2024

Are influencer dreams too good to be true? What is the dark reality behind the so-called desirable career? Join Ralph Estep, Jr. as he peels back the curtain to reveal the influencer world's enticing promises and hidden challenges.

Behind the Social Media Curtain: The Realities of Life as an Online Influencer With Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. discusses the unknown aspects of being an online influencer, such as combining status with Christian principles and priorities. He acknowledges the hurdles and expectations while actionable tactics for navigating the influencer realm with the correct mentality and drive.

Tune in to learn the surprising realities and practical steps to leverage social media for good.

00:00 Introduction and Episode Overview

00:19 Welcome to Technology Tuesday

00:47 Secrets of Being an Online Influencer

01:53 Show Announcements

02:31 Bible Verse

03:01 The Pros of Online Influencers

04:02 The Reality in the Industry

09:43 Christians as Influencers

10:08 Advice for Aspiring Online Influencers

11:57 Balancing Ambition With Humility

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

From Grief to Guidance: Managing an Inherited Property Jun 03, 2024

Dealing with inheriting a house from a loved one can be an overwhelming process filled with emotions and uncertainties. Join Ralph Estep, Jr., and learn to navigate your emotions of grief to manage your inherited property.

Be Guided Through Grief: Manage Your Inherited Property With Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. discusses practical techniques and advice for bringing clarity and calm to managing inherited property. You'll learn about the emotional hurdles that many people experience, as well as examples of families who overcame inheritance obstacles by open communication and religion. Are you ready to make complex financial decisions during a tough time of mourning? Listen here as Ralph shares tips for prioritizing self-care while simultaneously safeguarding the property's future.

00:00 Introduction and Episode Overview

00:22 Motivational Monday and Show Announcements

01:42 Daily Bible Verse

02:54 Secure the Property

03:25 Transfer Utilities and Mortgage

03:51 Move in, Rent it, or Sell it

06:49 Consider Emotional Factors

07:18 Handle Family Dynamics

09:42 Spiritual And Self Care Needs

10:37 Surround Yourself with Experts

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

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Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

Excellence as Worship: Aligning Life with God's Standards Jun 02, 2024

Are you striving for excellence in all areas of your life? Join Ralph Estep, Jr., and learn to strive for excellence and praise our Almighty God.

Realign Your Life: Show Excellence in Work, Relationships, and Stewardship To Worship God With Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. will discuss the value of achieving excellence in all aspects of life as an act of worship, aligning with God's standards based on love for Him and others. Ralph will discuss how you can excel in these three areas of your life: work, relationships, and stewardship. He will share practical steps for identifying areas of complacency and doing your best for God's highest glory, expressing Christ-like love and relationships while glorifying God's generous provision.

00:00 Introduction and Episode Overview

00:26 Welcome to the Ask Ralph Podcast

00:59 Motivational Sunday and Show Announcements

01:24 Exploring Excellence as Worship

02:36 Daily Bible Verse

03:00 Excellence in Work

03:36 Excellence in Relationship

04:18 Excellence in Stewardship

05:18 Action Steps for Pursuing Excellence

07:07 Closing Prayer

07:56 Recap and Final Thoughts

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

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Leave A Voicemail Message

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https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

The Path to Podcasting Success with Dave Jackson Jun 01, 2024

In our latest episode of AskRalph, we had the legendary Dean of Podcasting, Dave Jackson, join us! We dived deep into the secrets of podcasting success, from the nitty-gritty of starting out to building strong audience relationships. Don't miss out on these invaluable insights! Join Ralph Estep, Jr., and Dave Jackson as they discuss the path to podcasting success.

Join the School of Podcasting

The Power of Podcasting with Dave Jackson: Insights and Tips for Business Owners

In this episode of the Ask Ralph Podcast, Ralph Estep Jr. welcomes Dave Jackson, a veteran podcaster and member of the Podcasting Hall of Fame. Dave shares his extensive experience from starting the School of Podcasting in 2005 to helping countless individuals and businesses launch their podcasts. They delve into the benefits of podcasting for small business owners, discussing essential steps to start and grow a successful podcast. Dave emphasizes the importance of knowing your 'why' and 'who,' the pros and cons of video vs. audio podcasting, and monetization strategies. He also advises on the initial financial and time commitments needed and highlights the significance of engaging content and consistent delivery. Dave’s personal stories, from speaking engagements to book deals, underline the profound impact podcasting can have on personal and professional growth. This episode is packed with insights and practical advice for anyone considering diving into the podcasting arena.

00:00 Introduction to Dave Jackson

01:22 Why Small Businesses Should Podcast

02:42 Starting the School of Podcasting

04:18 First Steps for New Podcasters

05:30 Creating Engaging Content

09:35 Monetizing Your Podcast

15:00 Choosing a Podcast Host

18:11 Overcoming Podcasting Challenges

21:02 Audio vs. Video Podcasting

21:59 Audio vs. Video: The Ongoing Debate

23:20 Balancing Perfection and Authenticity in Podcasting

24:47 Outsourcing Podcast Production: Time vs. Money

26:03 The Time Commitment of Podcasting

27:44 Leveraging AI Tools in Podcasting

30:05 Opportunities and Success Stories in Podcasting

33:45 The Importance of Passion in Podcasting

36:34 Conclusion and How to Get Started with Podcasting

40:09 Faith and Podcasting: Integrating Beliefs into Your Work

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

The Truth About Annuities: Guaranteed Income or Scam? May 31, 2024

What if I told you there’s an investment out there that promises guaranteed lifetime income but is often called a scam? Join Ralph Estep, Jr. to find the truth about annuities, the pros and cons, and who is the best candidate for these investments.

Demystifying Annuities: Benefits, Pitfalls, and Biblical Perspectives

In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. dives into the complex world of annuities. He breaks down what annuities are, their types, benefits such as guaranteed lifelong income and tax-deferred growth, and significant downsides including high costs and complexity. Ralph also discusses who can benefit the most from annuities, how to avoid scams, and aligns financial wisdom with a biblical perspective. The episode wraps up with Ralph's honest take on annuities and advice for cautious investing. Subscribing to the podcast and joining their Facebook group for continuous financial discussions is encouraged.

00:00 Introduction to Annuities: Scam or Smart Investment?

00:20 Welcome to the Ask Ralph Podcast

01:20 Understanding Annuities: Types and Basics

04:34 Benefits of Annuities: Guaranteed Income and More

06:13 Drawbacks of Annuities: High Costs and Complexity

07:27 Who Should Consider Annuities?

08:39 Are Annuities Scams? The Real Truth

09:52 Final Thoughts and Recap

10:50 Closing Remarks and Resources

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

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https://www.facebook.com/askralphmedia Twitter (@askralphmedia) or visit www.askralphpodcast.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

Tax Refund Troubles: Steps to Take When the Unexpected Happens May 30, 2024

Surprised by your tax refund? Join Ralph Estep, Jr., to learn steps to take when the IRS hits you with a surprise. Plus, hear an insane real client story! Clear ways to deal with tax refund troubles.

Navigating Unexpected Tax Refunds: Tips and Real-Life Stories

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the common issue of receiving a lower-than-expected tax refund or even owing taxes. Drawing from over 30 years of financial expertise, Ralph explains potential causes like unreported income, ineligible deductions, and life changes impacting tax liability. He provides a step-by-step guide for addressing such situations, including reviewing tax returns, adjusting withholdings, and making estimated tax payments. The episode also features a cautionary real-life story illustrating the importance of accurate tax filing and ends with practical advice on budgeting and resolving tax liabilities, all delivered from a Christian perspective.

00:00 Introduction: Tax Filing Surprises

00:22 Welcome to Ask Ralph Podcast

01:16 Understanding Tax Refund Discrepancies

02:39 Proactive Steps to Address Tax Issues

02:57 Common Tax Filing Mistakes

03:42 Handling Unexpected Tax Bills

04:44 Adjusting Withholdings and Payments

07:19 Real Client Story: Tax Filing Error

08:25 Recap and Final Advice

09:58 Conclusion and Next Steps

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

Maximize Your Grocery Budget: Practical Tips and Listener Advice May 29, 2024

Are you tired of your grocery bills eating up your budget? Join Ralph Estep, Jr., as he shares 6 practical tips that can cut your costs by 20%! Don't miss out on our listeners' advice either!

Trimming Your Grocery Bill: Practical Tips and Listener Advice

In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. discusses practical and easy ways to save money on grocery shopping without sacrificing nutrition or taste. Topics include making and sticking to a list, opting for store brands, understanding unit pricing, selective bulk buying, shopping seasonally, and cooking at home. Ralph also shares valuable advice from listeners on how they save money on grocery shopping. The episode combines financial wisdom with a Christian perspective, aiming to help listeners become better stewards of their finances.

00:00 Introduction and Episode Overview

00:25 Welcome to the Ask Ralph Podcast

02:19 Today's Topic: Saving Money on Groceries

03:34 Tip 1: Make a List and Stick to It

05:11 Tip 2: Buy Store Brands

06:28 Tip 3: Check Unit Pricing

08:00 Tip 4: Buy in Bulk Selectively

09:34 Tip 5: Shop Seasonally

11:16 Tip 6: Cook at Home More

12:15 Listener Tips and Feedback

16:10 Conclusion and Final Thoughts

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

Declutter Your Digital Life: Practical Tips for Digital Organization May 28, 2024

Decluttering Your Digital Life: Practical Tips and Biblical Insights

In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr., with over 30 years of financial experience, tackles the issue of digital clutter. Ralph provides practical tips for organizing your digital space, from deleting unused apps to managing email subscriptions. He intertwines these tips with Christian teachings, emphasizing the importance of focusing on what truly matters. Listeners are guided through a step-by-step process to declutter their devices and accounts, enriched with personal anecdotes and listener stories. The episode stresses the value of digital decluttering as a form of stewardship before God.

00:00 Introduction: Tackling Digital Clutter

00:22 Welcome to Ask Ralph Podcast

01:21 Upcoming Topics and Community Engagement

02:09 The Digital Clutter Crisis

03:41 Steps to Declutter Your Digital Life

05:14 Practical Tips for Digital Decluttering

08:05 Listener's Story: A Doctor's Digital Makeover

09:36 Final Thoughts and Encouragement

10:48 Closing Remarks and Disclaimers

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

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Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

Avoiding Financial Pitfalls in Retirement May 27, 2024

Are you prepared to sidestep financial pitfalls in retirement? Join Ralph Estep, Jr., and learn how to break bad money habits and enjoy a blissful retirement.

Avoiding Financial Pitfalls in Retirement: Insights from Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr., a financial professional with over 30 years of experience, discusses common financial missteps retirees often make and provides practical strategies to avoid them. The episode focuses on five key bad habits: splurging on travel, enabling adult children, carrying debt into retirement, supporting unhealthy adult relationships, and compulsive shopping. Ralph also offers actionable tips to manage these issues, emphasizing the importance of wise financial stewardship from a Christian perspective. Additionally, listeners are encouraged to join the podcast’s Facebook insider's group for continued discussion and support.

00:00 Introduction and Episode Overview

00:20 Welcome to the Ask Ralph Podcast

00:52 Motivational Monday and Show Announcements

01:15 The Importance of Avoiding Bad Money Habits

03:32 Bad Habit #1: Splurging on Travel

04:48 Bad Habit #2: Supporting Adult Children

06:25 Bad Habit #3: Carrying Debt into Retirement

08:33 Bad Habit #4: Supporting Unhealthy Adult Relationships

10:46 Bad Habit #5: Compulsive Shopping

13:08 Recap and Final Thoughts

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

Finding Peace through Prayer: A Guide to Deepening Your Connection with God May 26, 2024

Finding Peace through Prayer with God? Join Ralph Estep, Jr., as he explores how to revitalize your prayer life and experience transformation. Let's cultivate a vibrant prayer routine together!

Revitalizing Your Prayer Life: Tips for Genuine Connections with God

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. guides listeners through practical steps to cultivate a vibrant and impactful prayer life. The episode begins with a personal reflection on the common struggle of maintaining a meaningful connection with God and then dives into four actionable tips: starting your day with God, praying throughout your activities, being authentic in prayer, and praying with others. Ralph also emphasizes the importance of community and authenticity in prayer, sharing personal anecdotes and scriptural insights. The episode concludes with a prayer and a challenge to commit to growing your prayer life. Listeners are encouraged to visit askralphpodcast.com for more resources and to join the show's growing community on Facebook.

00:00 Introduction: Revitalize Your Prayer Life

00:27 Welcome to the Ask Ralph Podcast

02:26 Grounding in the Word of God

02:48 Struggles and Truths About Prayer

03:44 Actionable Steps for a Prayerful Life

05:48 The Power of Authentic Prayer

08:03 Praying with Others

12:49 Final Thoughts and Recap

13:19 Closing and Call to Action

LISTEN NOW

WATCH NOW ON YOUTUBE (OUR VIDEO VERSION)

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VISIT OUR ASK RALPH SHOW GEAR STORE FOR ALL KINDS OF COOL MERCHANDISE - ENTER THE CODE "FREEBOOK" FOR A FREE DOWNLOADABLE COPY OF MY BOOK "MASTERING YOUR FINANCES"

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Please share our Podcast with all your friends and family!

Submit your questions or ideas for future shows - email us at

ralph@askralph.com or leave a voicemail message on our podcast page

Leave A Voicemail Message

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

Faithful Finances: Managing Money with a Mission my interview with Whitney Owens from the Wise Practice Podcast May 25, 2024

A behind-the-scenes look at my conversation with Whitney Owens, talking faith, finances, and finding purpose in our professions. It’s moments like these that remind us of the impact of our mission. Join Ralph Estep, Jr., as he discusses managing money with a mission.

Navigating Finances with Faith: An Interview with Ralph Estep Jr.

In this episode of the Wise Practice Podcast, Whitney Owens interviews Ralph Estep Jr., an experienced accountant, author, and farmer. They discuss the integration of faith in financial practices, practical advice for Christian business owners, and the importance of stewardship. Ralph shares insights from his books on mastering finances from a Christian perspective, touching on topics like budgeting, tithing, managing debt, and planning for the future. He also emphasizes the significance of a Christ-centered approach to financial decision-making and the rewards of giving and serving others. This episode offers valuable guidance for listeners striving to align their financial habits with their faith.

00:00 Introduction to the Interview

00:54 Meet Ralph Estep, Jr.

01:22 Ralph's Background and Faith

04:13 Christian Perspective on Finances

06:51 Stewardship and Financial Responsibility

09:14 Balancing Business and Faith

12:00 Challenges and Rewards of Faith-Based Practices

14:08 The Importance of Listening and Planning

14:55 Financial Issues in Marriage

15:37 Business Consulting and Tax Planning

17:16 Retirement Planning for Therapists and Pastors

18:48 Dealing with Graduate School Debt

20:31 Growing Your Practice and Financial Planning

24:40 Ralph's Resources and Contact Information

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Please share our Podcast with all your friends and family!

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey on Amazon

Financial Harmony: Building Unity in Marriage May 24, 2024

Struggling with financial disagreements in your relationship? You're not alone! Tune in to our show where Ralph Estep, Jr., shares practical tips for achieving financial harmony with your partner. Let's build unity in marriage together.

Achieving Financial Harmony in Marriage: Practical Steps for Couples

In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. addresses the common issue of financial disagreements in marriages. Drawing on his 30 years of experience as a financial professional and Christian teachings, Ralph explores why financial unity is crucial for marital harmony. He provides practical tips for couples to align their financial goals, including having honest conversations about money histories, agreeing on a unified budget, setting shared money goals, and seeking external resources for financial growth. Throughout the episode, Ralph shares personal anecdotes and expert advice to help couples achieve financial harmony.

00:00 Introduction: Money and Relationships

00:36 Welcome to Ask Ralph Podcast

01:28 Biblical Wisdom on Unity

02:23 Importance of Financial Unity

03:07 Personal Experiences and Expert Advice

03:26 Join the Community

03:52 Truths About Financial Alignment

08:43 Actionable Steps for Financial Harmony

12:24 Conclusion and Encouragement

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Financial Wisdom: Understanding Quarterly Tax Payments and Safe Harbor Rules May 23, 2024

Master the Art of Quarterly Tax Payments and avoid penalties! Join Ralph Estep, Jr., as he dives into the complexities of quarterly tax payments as he demystifies the process and shares personal insights.

Mastering Quarterly Tax Estimates with Ralph Estep, Jr.

In this episode of the Ask Ralph Podcast, financial expert Ralph Estep, Jr. demystifies the complexities of quarterly tax payments. Ralph provides insights on safe harbor guidelines, the importance of accurate estimating, and how to avoid IRS penalties. He shares his personal story of dealing with tax obligations as a budding entrepreneur and offers practical steps for pain-free tax estimates. The episode emphasizes careful planning, the use of safe harbor rules, and penalty waivers. Listeners are encouraged to take actionable steps to master their tax estimating process and ensure financial stability.

00:00 Introduction to Quarterly Tax Payments

00:32 Welcome to Ask Ralph Podcast

01:05 Tax Talk Thursday: Navigating Quarterly Payments

01:30 Understanding Quarterly Estimated IRS Payments

06:14 Personal Journey: Learning the Hard Way

07:25 Navigating IRS Notices and Safe Harbor Provisions

10:54 Action Steps for Managing Quarterly Payments

12:31 Recap and Final Thoughts

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Dollar Stores Exposed: Community Impacts Revealed May 22, 2024

Uncover the truth about dollar stores in our latest episode! Join Ralph Estep, Jr., in his pursuit of dollar stores exposed - Are they really a bargain or a hidden scam? Join me as we dive deep into the impact on communities and the very consumer they serve.

Are Dollar Stores Truly a Bargain? Unpacking the Real Impact on Communities

In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. explores the controversial topic of dollar stores and their impact on communities. Ralph delves into whether these stores offer real value or merely exploit vulnerable populations, given their rapid expansion and the economic distress linked to their presence. The discussion covers critiques of dollar stores, including limited product quality, the closure of other local businesses, low wages for employees, and a lack of community support. Ralph also presents potential solutions like supporting local businesses and advocating for better retailer practices. The episode encourages thoughtful consumer habits and community action to foster economic development and responsible corporate behavior. Tune in for insightful financial wisdom from a Christian perspective.

00:00 Introduction: The Dollar Store Dilemma

00:23 Welcome to Ask Ralph Podcast

01:28 Unpacking the Dollar Store Debate

03:31 The Economic Impact of Dollar Stores

05:19 Critiques and Concerns: Analyzing Dollar Stores

08:33 Seeking Solutions: How to Counteract Dollar Store Effects

10:18 Reflections and Call to Action

12:03 Closing Thoughts and Financial Guidance

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Tech Talk: Exploring Accessibility Options May 21, 2024

Struggling to see small text on your phone or tablet? Join Ralph Estep, Jr., as he explores how accessibility settings can transform your tech experience. In Exploring Accessibility Options Ralph gives you tips on adjusting settings for better visibility, control access, and audio clarity. Start optimizing your devices today!

Unlocking Accessibility: Making Technology Work for You

In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. discusses the importance of accessibility features on modern devices. He begins by addressing common frustrations such as small text, hard-to-use controls, and low audio levels. Ralph highlights built-in accessibility options that can improve user experience across various devices, including Apple, Android, and Windows products. He also shares personal insights on adjusting settings to accommodate aging eyes and offers practical tips to empower listeners to customize their technology for better comfort and efficiency. The episode ties financial wisdom with Christian faith, emphasizing the importance of utilizing available resources to enhance quality of life. Ralph encourages listeners to explore these settings, seek help if needed, and remember their worth in the eyes of God.

00:00 Introduction to Device Accessibility Features

00:25 Welcome to Ask Ralph Podcast

00:57 Technology Tuesday: Embracing Accessibility

03:44 Exploring Common Accessibility Features

04:29 Device-Specific Accessibility Settings

08:36 Personal Experience and Encouragement

09:09 Closing Thoughts and Steps Forward

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Balancing Business and Marriage: Practical Insights for Christian Entrepreneurs May 20, 2024

Need tips on balancing business growth with a healthy marriage? Join Ralph Estep, Jr., as he dives into real-world experiences and biblical insights and how to cherish and grow your marriage as well as your business.

Balancing Business and Marriage: Practical Steps from Ask Ralph

In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. discusses the challenging balance between entrepreneurial pursuits and maintaining a healthy marriage. Drawing on biblical insights and personal experiences, Ralph provides actionable steps to help Christian entrepreneurs nourish both their business and family life. Key topics include scheduling sacred time with your spouse, involving your spouse in business aspects, and fully unplugging during family time. Ralph shares a candid story of his own failures and how he nearly lost his marriage, offering listeners valuable lessons to avoid similar pitfalls. Tune in for motivational advice aimed at building thriving marriages and successful businesses.

00:00 Introduction: Balancing Business and Marriage

00:33 Welcome to Ask Ralph Podcast

01:05 Monday Motivation: Financial Wisdom from a Christian Perspective

01:28 Balancing Entrepreneurship with Family Life

04:34 Action Steps for a Stronger Marriage

10:40 Personal Story: Learning from Failure

13:06 Recap and Closing Thoughts

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The Power of Calming the Storm Within: Lessons from Mark 4 May 19, 2024

Struggling to find peace in the midst of life's storms? Join Ralph Estep Jr., in our spiritual Sunday show where we delve into the power calming of the storm in Mark 4. Learn how to lean into Jesus' peace and weather any trial with confidence.

Navigating Life's Storms with Faith and Financial Wisdom

In this episode of the Ask Ralph Podcast, host Ralph Estep, Jr. addresses how to weather life's sudden crises and find peace through faith in Jesus. Drawing on the story of Jesus calming the storm in Mark 4, Ralph discusses how these challenges reveal areas where our faith needs growth, the importance of focusing on Jesus' presence, and allowing Him to speak peace into our chaos. The episode combines spiritual guidance with practical financial advice, blending over 30 years of Ralph's financial expertise with a Christian perspective. Listeners are encouraged to fix their eyes on Jesus amidst life's storms and are invited to join the conversation through the show's new Facebook insiders' group.

00:00 Navigating Life's Storms with Faith

00:18 Introducing the Ask Ralph Podcast

00:50 Spiritual Sunday: Finding Financial Wisdom

01:52 Exploring the Calming of the Storm in Mark 4

03:31 Action Steps to Weather Life's Storms with Jesus

06:37 Closing Prayer for Peace Amidst the Storm

07:19 Recap and Encouragement to Keep Faith

08:40 Final Thoughts and Invitation to Next Episode

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Handling Retirement Savings During Job Changes May 18, 2024

Are you changing jobs soon? Wondering what to do with your retirement savings? Join Ralph Estep, Jr., as he discusses handling retirement savings during job transitions. Don't miss out on valuable tips and real-life examples!

Navigating Retirement Accounts During Job Transitions: Essential Tips and Common Pitfalls

In this episode of the Ask Ralph Podcast, Ralph Estep, Jr., a seasoned financial professional with over 30 years of experience, provides valuable insights on managing retirement accounts when changing jobs. From discussing common employer-sponsored retirement accounts like 401ks and 403Bs, to the pros and cons of cashing out, leaving the money in the old plan, rolling over into a new employer's plan, or moving into an IRA, Ralph covers it all. He also shares a cautionary tale about a costly financial mistake made by a client. The episode concludes with practical action steps, a compelling real-life example, and a heartfelt prayer for wisdom in financial decisions.

00:00 Navigating Retirement Accounts During Job Transitions

00:27 Welcome to Ask Ralph: Financial Wisdom from a Christian Perspective

01:20 Understanding Your Retirement Account Options

03:52 Exploring the Four Main Options for Your Retirement Account

07:46 Personal Insights and Advice on Retirement Account Rollovers

09:31 Action Steps for Managing Retirement Accounts Amidst Career Changes

11:29 A Cautionary Tale: The Importance of Wise Financial Decisions

13:37 Closing Thoughts and Prayer for Financial Stewardship

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Financial Spring Cleaning: 7 Steps to Organize Your Finances May 17, 2024

Is your budget causing you stress? It's time for some financial spring cleaning! Join Ralph Estep, Jr., for essential steps to organize your finances and achieve peace of mind. You are just 7 steps away from financial peace.

7 Steps to Spring Clean Your Finances

In this episode of the Ask Ralph Podcast, host Ralph Estep Jr., a seasoned financial professional with over 30 years of experience, shares seven actionable steps for decluttering and organizing personal finances, akin to a spring cleaning for financial health. From gathering and organizing all financial documents to automating finances and seeking accountability and support, Ralph provides a comprehensive guide to getting finances in shape. The episode emphasizes the importance of diligent financial stewardship from a Christian perspective, incorporating scripture to underscore the value of prudent financial management. Ralph also offers listeners a chance for personalized financial counseling and encourages sharing the episode with those struggling to achieve financial prosperity.

00:00 Introduction: The Need for Financial Spring Cleaning

00:23 Welcome to Ask Ralph Podcast

01:16 The Essence of Financial Spring Cleaning

02:59 Seven Steps to Declutter Your Finances

03:08 Step 1: Organize Your Financial Documents

04:21 Step 2: Review Your Past Year's Spending

05:11 Step 3: Setting Clear Financial Goals

05:59 Step 4: Crafting a Detailed Budget

07:12 Step 5: Automating Your Finances

07:55 Step 6: Simplify and Streamline Your Finances

09:27 Step 7: Seeking Accountability and Support

10:44 Conclusion: Achieving Financial Peace and Generosity

11:51 Encouragement to Share Financial Wisdom

12:58 Signing Off and Final Thoughts

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Navigating College Savings: The 529 Plan Explained May 16, 2024

College costs can be daunting, but with the 529 Plan, you can save smart and tax-efficiently. Join Ralph Estep, Jr., for expert insights and tips on navigating college savings!

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Conquering Money Anxiety: Tales of Victory and Empowerment May 15, 2024

Ready to conquer your financial fears and step into abundance? Join Ralph Estep, Jr., as he shares real-life success stories and actionable steps on overcoming money anxiety. Ralph delves into how individuals overcome financial fears with wisdom from over 30 years of experience in finance from a Christian perspective. Join Ralph as we develops a plan on conquering money anxiety and achieving financial freedom!

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The Power of Password Managers: Secure Your Digital Life May 14, 2024

Boost your online security with just one simple step! Join Ralph Estep, Jr., on his journey of sharing the power of password managers. Learn how password managers can revolutionize your digital life. Say goodbye to weak passwords and hello to top-notch protection.

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The Art of Building Relationships: A Path to Prosperity May 13, 2024

Seeking insights on building strong relationships for financial success? Join Ralph Estep, Jr., as he delves into the art of building relationships from a Christian perspective. Discover practical tips and biblical wisdom to enhance your professional journey.

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A Special Mothers Day Message May 12, 2024

Looking for meaningful ways to show love and appreciation to the mothers in your life? Join Ralph Estep, Jr., as he shares heartfelt suggestions in a Special Mothers Day Message. From creating lasting memories to expressing gratitude, these ideas will touch your heart. Take a moment to celebrate the amazing women who make a difference.

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Beyond the Garage: Navigating Success with Nick Gadaleta and Ralph Estep, Jr. May 11, 2024

What's the biggest challenge you've faced in your business? Nick Gadaleta talks overcoming obstacles, building customer trust, and more. Join Ralph Estep, Jr., and Nick Gadaleta as the have a frank discussion about moving beyond the garage and building the Super Service Automotive brand.

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Peace of Mind: The Benefits of Long-Term Care Insurance May 10, 2024

Planning for your future is crucial. Discover how long-term care insurance can safeguard your savings and provide security in times of need. Join Ralph Estep, Jr., as he provides peace of mind the benefits of long-term care insurance.

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Empowering Your Financial Future: Understanding Roth IRAs May 09, 2024

Secure Your Financial Future - It's time to learn about Roth IRAs and tax-free retirement savings! Join Ralph Estep, Jr., for expert advice, actionable steps, and biblical perspectives on building your nest egg and understanding Roth IRAs.

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Achieving Financial Freedom: A Procrastinator's Guide to Bill Payments May 08, 2024

Struggling with bill payments? Join Ralph Estep, Jr., as he shares practical tips to conquer financial procrastination and success in achieving financial freedom!

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Extended Warranties on Electronics May 07, 2024

Are extended warranties worth it for your electronic devices? Discover the pros and cons of extended warranties on electronics with host Ralph Estep, Jr. Enjoy his personal stories about extended warranties.

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Social Security Benefits from Divorce May 06, 2024

Did you know that even if you were married for just 10 years, you might qualify for Social Security benefits based on your ex's earnings record? Dive into the complexities of claiming ex-spousal benefits with Ralph Estep, Jr., as he explores social security benefits from divorce.

Living in Gratitude May 05, 2024

Discover the power of living in gratitude! Join Ralph Estep, Jr. as he explores practical ways to cultivate daily gratitude and transform your financial life.

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Do you need an umbrella insurance policy? May 04, 2024

Join Ralph Estep, Jr., as he uncovers the benefits of an umbrella insurance policy and why you may want to consider having this additional insurance coverage. Join us as we explore why these umbrella policies protect your precious savings and other assets.

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The Self Storage Debate - Friend or Foe May 03, 2024

Do you really need that self storage unit? Join Ralph Estep, Jr., as he dives into the Self Storage Debate - Friend or Foe? From biblical wisdom on possessions to practical tips for using storage wisely, we've got you covered!

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An Exploration of Gift Taxes May 02, 2024

Curious about gift taxes? Join Ralph Estep, Jr., as he dives into the world of gift giving and an exploration of gift taxes! Learn about exemptions, exclusions, and more.

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3 Steps to Avoid Dealer Added Fees May 01, 2024

Are dealer-added fees driving you crazy? Join Ralph Estep, Jr., as he delves into the hidden costs of car buying and shares 3 steps to avoid dealer added fees.

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The Best Siri Shortcuts Apr 30, 2024

Harness the power of Siri Shortcuts to supercharge your productivity and make the most of your precious time. Join Ralph Estep, Jr., as he shares his best siri shortcuts for success.

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Habits of Highly Resilient People Apr 29, 2024

Dive into the habits of highly resilient people with Ralph Estep, Jr., in our newest episode. From cultivating a growth mindset to building a strong support network – learn how to thrive in the face of adversity! Ralph gives action steps you may take right now to build personal resilience.

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Finding Peace in Gods Plan Apr 28, 2024

Seeking financial peace? Join Ralph Estep, Jr., as he explores finding peace in Gods plan. Discover practical steps to align your finances with God's will and experience supernatural peace.

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Tax Evasion Tips: Income the IRS does not tax Apr 27, 2024

Join Ralph Estep, Jr., as he shares Tax Evasion Tips. Want to learn about 5 types of income the IRS doesn't tax? From gifts to inheritances, our latest episode delves into untaxed income sources and actionable steps to take advantage of them.

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Health Savings Accounts Apr 26, 2024

Did you know? Health Savings Accounts (HSAs) offer a triple tax advantage for your medical expenses! Join Ralph Estep, Jr., as he dives into the details with our latest podcast episode.

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Records You Should Keep Apr 25, 2024

Discover the key financial records you should keep for a secure future. Listen to Ralph Estep, Jr., as he provides expert advice on creating a record-keeping system that works for you.

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TIPFLATION - Out of Control Tipping Apr 24, 2024

Join Ralph Estep, Jr., as he does a deep dive into TIPFLATION - Out of Control Tipping and the impact on your wallet! Join Ralph in a thought-provoking conversation on ethical tipping practices.

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Creating an Online Account with the IRS Apr 23, 2024

Take control of your tax information effortlessly. Join Ralph Estep, Jr., and listen to our step-by-step guide on creating an online account with the IRS with ID me verification. Stay organized and prepared for tax filing season!

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Stewarding Your Benjamins Apr 22, 2024

Join Ralph Estep Jr., as he gives you a plan to stewarding your Benjamins. Break free from the bondage of debt and control your finances instead of your finances controlling you!

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How to Stop Worrying and Start Living Apr 21, 2024

Overcome worry & anxiety with Biblical wisdom! Join Ralph Estep Jr., as he dives into practical steps to stop worrying and start living a prosperous life.

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Credit Builder Loans Apr 20, 2024

Curious about credit builder loans and how they can impact your financial journey? Join Ralph Estep, Jr., as he explores the pros, cons, and biblical perspective on managing your credit wisely.

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Inheriting Savings Bonds and the Tax Implications Apr 19, 2024

Inheriting savings bonds can be a blessing and a responsibility. Let's navigate the key steps after inheriting savings bonds together. Join Ralph Estep, Jr., as he discusses identifying bond types, understanding tax implications, and incorporating bonds into your financial plan.

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How to Avoid Tax Scams Apr 18, 2024

Beware of Tax Scams - Join Ralph Estep, Jr. and learn how to avoid tax scams and protect yourself from fraudulent schemes. Join us as we discuss warning signs, prevention tips, and what to do if you fall victim to a tax scam. Stay informed to safeguard your hard-earned money!

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Crazy Online Product Reviews Apr 17, 2024

Are you a fan of outrageous kitchen gadgets, health miracles, or eccentric transportation inventions? Join Ralph Estep, Jr., as he discusses crazy online product reviews and whether they have actual value.

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Are you losing money working for Home Delivery Services? Apr 16, 2024

Are you losing money working as a delivery driver? Join Ralph Estep, Jr., as dives deep into the real costs of food delivery services and how you can turn it into a profitable side business with strategic tips.

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Should I cosign for a loan? Apr 15, 2024

Considering Cosigning for a Loan? Join Ralph Estep, Jr., as he dives deep into the risks and implications of being a cosigner. Protect your financial future!

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Pray for our Leaders Apr 14, 2024

Did you know that praying for our leaders goes beyond policies? Discover actionable steps to honor God in times of tension. Join Ralph Estep, Jr., as he discusses how to honor God by praying for our leaders.

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Weathering Economic Storms: A Preppers Guide to Financial Resilience - Mark Lawley and Ralph Estep, Jr. Apr 13, 2024

Weathering Economic Storms - A Prepper's Guide to Financial Resilience. Guests Mark Lawley and Ralph Estep, Jr., share invaluable insights on preparing financially for the unexpected. Whether it’s saving for an emergency, paying down debt, or diversifying income.

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Credit card charge off and forgiveness Apr 12, 2024

Struggling to manage credit card debt? Discover the consequences of charge off and forgiveness on our show! Join Ralph Estep, Jr., as he provides important details to ensure you make informed financial decisions.

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Filing a Tax Extension Apr 11, 2024

Are you feeling overwhelmed with tax season? Tune in to our latest episode where we dive into the world of filing a tax extension. Join Ralph Estep, Jr., and learn the pros, cons, and steps you need to take to navigate this process effectively.

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Unusual Business Traditions Apr 10, 2024

Curious about unusual business traditions? Join Ralph Estep, Jr., as he dives into the world of quirky corporate customs with our latest podcast episode! From lucky Kit-Kat bars to honking horns at Nike meetings, we uncover fun and unusual practices.

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Tips for Avoiding Email Spam Apr 09, 2024

Reclaim your inbox from email spam with our top 10 strategies! Join Ralph Estep, Jr., as he provides tips for avoiding email spam and how to reclaim control of your inbox.

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Big Hairy Audacious Goals and Green Light Thinking Apr 08, 2024

Unlock your potential with BHAG's! Join me on a journey of faith and ambition as we explore big, hairy, audacious goals. From financial freedom to impacting communities, discover how faith can fuel your dreams. Don't miss out on this empowering episode!

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Paid in Full - Jesus on the Cross Apr 07, 2024

Join Ralph Estep, Jr., as he explores how Jesus paid in full all of your debts including your financial debts and how this gift from God will transform your life.

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Tips for Accounting for Rental Properties Apr 06, 2024

Dive into the world of rental property accounting with our latest episode! Learn essential tips for managing rental income and expenses like a pro. Join Ralph Estep, Jr., as he provides useful tips for accounting for rental properties.

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Understanding Admitted versus Non-Admitted Insurance Companies Apr 05, 2024

Curious about the difference between Admitted and Non-Admitted Insurance Companies? Dive into the complexities with Ralph Estep, Jr., on the latest episode of our podcast!

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ROTH IRA Conversions Apr 04, 2024

Dive deep into the world of Roth IRA conversions with Ralph on the latest episode of the Ask Ralph Podcast! Learn about the benefits, ideal candidates, and strategic timing for converting your traditional IRA to a Roth IRA. Don't miss out on maximizing tax savings and growth potential in retirement!

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Weird Business Laws Apr 03, 2024

Dive into the bizarre world of weird business laws with our latest podcast episode! Join Ralph Estep, Jr., as he explores the strangest, funniest, and downright baffling statutes governing American commerce. From bear claw bans to fish lasso restrictions, you won't believe these laws exist!

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AI Generated Robocalls Apr 02, 2024

Dive into the world of AI generated robocalls on the latest episode of the Ask Ralph Podcast. Discover the truth behind these scams and how to protect yourself.

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Frugal Tips from Growing Up Poor Apr 01, 2024

Curious about how growing up poor can teach essential financial lessons? Discover the power of frugality as Ralph Estep Jr., share tips from budgeting to gratitude, we cover it all. Join us for practical tips to enhance your financial future.

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Intentionally Choosing Christ Mar 31, 2024

Feeling disconnected from your spiritual journey? Join Ralph Estep, Jr., as he delves into practical ways to recenter our lives on Christ. Ralph gives action steps to encourage your intentionally choosing Christ. Listen now to ignite your spiritual fire!

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Insightful Chat about Financial Literacy with Dr. Christopher Loo Mar 30, 2024

DIVE INTO FINANCIAL LITERACY - In this thought-provoking podcast episode, Ralph Estep, Jr., and Dr. Christopher Loo explore the importance of financial literacy and its impact on our lives. Discover how to empower yourself financially and align your values with your finances in this episode all about financial literacy.

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Why it's vital to keep business and personal finances separate Mar 29, 2024

Are your personal and business finances mixed up? It's time to make a change! Join Ralph Estep Jr., as he shares actionable steps to divide your money, protect your assets, and avoid financial disaster. Listen now for valuable insights on keeping personal finances separate from your business.

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Death and Taxes Mar 28, 2024

Dealing with taxes after a loved one's passing? Let's navigate this together! Join Ralph Estep, Jr., as he breaks down death and taxes and provides a roadmap for managing the process during this emotional time.

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Advertising Fails and Mishaps Mar 27, 2024

Ever seen a business ad that left you scratching your head? Join Ralph Estep, Jr., as he explores advertising fails and mishaps. Listen in for a good laugh and some key takeaways!

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Taxation of Cryptocurrency Mar 26, 2024

Curious about how to navigate cryptocurrency taxes? Join Ralph Estep, Jr., as he breaks down everything you need to know about taxation of cryptocurrency. From key definitions to tax strategies, we've got you covered. Tune in for expert advice and make informed decisions with your crypto assets.

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5 Ways to Payoff Credit Card Debt Mar 25, 2024

Struggling with credit card debt? Join Ralph Estep, Jr., as he shares 5 practical steps to help you conquer and payoff credit card debt for good!

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Give it over to God Mar 24, 2024

Feeling overwhelmed with finances? Our podcast episode "Give it over to God" provides a roadmap to align your financial goals with God's purpose. Take the first step towards financial freedom today!

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Deciphering Reverse Mortgages Mar 23, 2024

Considering a reverse mortgage? Our latest episode dives deep into the pros, cons, and steps to take before making this financial decision. Join Ralph Estep Jr, as he works on deciphering reverse mortgages.

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Medical Expense Deductions Mar 22, 2024

Unraveling the mystery of medical expense deductions! Join Ralph Estep, Jr., as he breaks down what you can and can't deduct on your taxes.

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Correcting Tax Filing Errors Mar 21, 2024

Did you make a mistake on your tax return? Don't worry, it happens to the best of us. Join Ralph Estep, Jr., as he discusses correcting tax filing errors and getting penalties removed.

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Ridiculous Business Expenses Mar 20, 2024

Curious about the most ridiculous business expenses people have tried to deduct? Join Ralph Estep, Jr., as he uncovers some jaw-dropping stories and practical tax tips!

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Technology Transforming Personal Finance Mar 19, 2024

Ready to navigate the brave new world of digital money and high-tech finance? Join Ralph Estep Jr., as he reviews technology transforming personal finance. From AI-powered financial assistants to immersive shopping and crypto trends, we've got you covered. Tune in for insights on managing your finances wisely in the digital age!

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Private Mortgage Insurance Mar 18, 2024

Want to free up cashflow and eliminate unnecessary expenses in your mortgage payments? Listen to Ralph Estep, Jr., as he discusses Private Mortgage Insurance (PMI) to discover practical tips for getting rid of this costly add-on. Save thousands of dollars - don't miss this episode.

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Healing Your Finances Mar 17, 2024

Ready to transform your financial situation in Jesus' name? Join Ralph Estep, Jr., as he dives into the power of faith and biblical principles for healing your finances. Ralph provides actionable, biblical based steps to heal your finances in Jesus Name.

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Repost

New Employee vs Independent Contractor Rule Effective March 11 Mar 16, 2024

Join us on the Ask Ralph Show as we unravel the Employee vs. Independent Contractor dilemma in the new rules effective from March 11th, 2024! Learn how to navigate the complex world of worker classification and protect your business interests.

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Inherited IRA Rules Mar 15, 2024

Exploring Inherited IRA Rules! Unravel the complexities of managing an Inherited IRA with our latest podcast episode. Learn about distribution options, tax implications, and actionable advice to optimize your inheritance.

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Simpler IRS Notices Mar 14, 2024

Have you ever been puzzled by an IRS notice? Discover how the IRS has simplified their notices to make things clearer and easier for you to understand. Join Ralph Estep, Jr., as he reviews the simpler IRS notices and how to effectively respond to them.

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Common Money Wasters Mar 13, 2024

Are your everyday expenses draining your bank account like a leaky faucet? Join Ralph Estep, Jr., as he reveals the secrets to identifying and battling common money wasters who may become money monsters in your budget.

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Best ToDo List Mar 12, 2024

Dive into the world of to-do lists from a Christian perspective on our latest episode! Learn how to manage your time effectively and prioritize your tasks in a way that glorifies God. Join Ralph Estep, Jr., as he explores the best todo list apps and techniques.

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Prepaying Your Mortgage Mar 11, 2024

Discover the Secrets of Prepaying your mortgage and how you can save thousands of dollars over the life of the loan and have your home paid off in far fewer years. Join Ralph Estep, Jr., as he make the complex simple and puts together an action plan for how to implement this process in your financial life.

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Building Your House on Sand Mar 10, 2024

'Building Your House on Sand,' we tackle the importance of finding true sources of security and making wise financial choices. Join Ralph Estep, Jr., as he explores personal stories of instability and share practical steps for building an unshakeable life rooted in faith.

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Navigating Finances in Divorce Mar 09, 2024

Going through a divorce can leave you feeling overwhelmed, especially when it comes to finances. Join Ralph Estep, Jr., as he offers actionable steps in navigating finances in divorce. Learn about appraisals, consulting professionals, budgeting, credit, and emotional well-being. Empower yourself with the knowledge and support to navigate this challenging time.

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The Ten Biggest Mortgage Mistakes and How to Avoid Them Mar 08, 2024

The Ten Biggest Mortgage Mistakes and How to Avoid Them

Looking to buy or refinance a home? Don't make these common mortgage mistakes! Join Ralph Estep, Jr., as he shares valuable tips and insights to help you navigate the mortgage maze.

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When you Owe the IRS Mar 07, 2024

Attention all taxpayers! Did you know millions of people face the reality of owing money to the IRS every year? When you owe the IRS unpacks the secrets to resolving tax debt stress-free. Don't miss out on Ralph's expert advice!

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Business Myths Debunked Mar 06, 2024

Did you know that some of the most commonly believed business myths are actually holding you back? Join Ralph Estep, Jr., as he takes a more serious tone in this episode - business myths debunked. Ralph provides concrete action steps to achieve success even amongst these business myths.

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business myths debunked. Listen as Ralph debunks these myths and provides actionable steps for success.

QR Codes Demystified Mar 05, 2024

Curious about those little square codes that are popping up everywhere? We dive into the world of QR codes, their origin, practical uses, and potential scams to watch out for - QR Codes Demystified and stay informed!

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23 Frugal Habits Mar 04, 2024

Find out how to make intentional choices that can lead to a more fulfilling and financially secure life. Discover 23 frugal habits that align with your values in our latest podcast episode.

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Keeping Faith in Failures Mar 03, 2024

Failure doesn't define us, it refines us. Join Ralph Estep, Jr., as he discusses practical steps to keeping faith in failures during challenging times. Let's rise above failures together!

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Navigating the Challenges of Brick and Mortar Businesses: A Discussion with JoJo Struebing Mar 02, 2024

Navigating the maze of entrepreneurship isn't always straightforward, especially when it comes to brick and mortar businesses. It entails diving into an entirely new world, dealing with demanding customers, adjusting to fluctuating market trends and keeping up with relentless competition. Our featured guest, JoJo Struebing, shared invaluable insight into the brick and mortar business scene.

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Five Common Social Security Myths that Will Ruin Your Retirement Mar 01, 2024

Worried about your retirement? Don't fall for the misconceptions about social security. Join Ralph Estep, Jr., and learn the truth behind common social security myths and protect your future.

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10 IRS Audit Flags Feb 29, 2024

Worried about IRS audits? We've got you covered! In our latest podcast episode of the top 10 IRS Audit Flags, we spill the beans on the common mistakes that could land you in the hot seat with the IRS. Learn the secrets to protect yourself and your finances.

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Unusual Business Titles Feb 28, 2024

Are you ready for something different? Join me on the Ask Ralph Show as we take a break from the norm and delve into the realm of unusual business titles. From the Director of First Impressions to the Chief Listening Officer, discover the role that resonates with you the most!

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Using Online Tax Software or Selecting an Accountant Feb 27, 2024

Join Ralph Estep Jr., as he discusses the decision of using online tax software or selecting an accountant to handle your annual tax preparation. It explores the complexities of tax situations, the advantages of personalized advice from an accountant, and the cost-effectiveness and user-friendly nature of online tax software.

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Join Ralph Estep Jr., as he discusses the decision of using online tax software or selecting an accountant to handle your annual tax preparation. It explores the complexities of tax situations, the advantages of personalized advice from an accountant, and the cost-effectiveness and user-friendly nature of online tax software.

Reigniting a Passion in Your Business Feb 26, 2024

Ralph discusses the common challenge of losing motivation and passion in running a small business. He shares strategies for reconnecting with the initial spark that inspired entrepreneurship and finding renewed joy in the business.

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The Gift of Forgiveness: Extending Grace to Others Feb 25, 2024

The show is a reflection on the transformative power of forgiveness and the act of extending grace to others, particularly focusing on how forgiveness can impact one's financial well-being and overall life. Join Ralph Estep, Jr., as he explores the concept of forgiveness from a spiritual perspective, drawing on biblical references and personal experiences to highlight the importance and benefits of forgiveness in relationships and personal growth.

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Navigating Real Estate with Gina Crowder Feb 24, 2024

The host, Ralph, and his guest, Realtor Gina McCollum Crowder, discuss a range of topics surrounding real estate investing including making the most of real estate investments, buying and selling property to maximize financial gains, the importance of a client-focused approach, challenges in buying property at present times, impact of prevailing interest rates on property buying, a comparison between the net worth of homeowners and renters, preparation for selling a house, procedures for pricing a property, underwriting obstacles, and considerations for real estate investors. ..

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Common 401K Myths Feb 23, 2024

Are you confident that your retirement plan is set up for success? Join us on our latest episode as we debunk some common myths surrounding your 401k. Don't miss out on valuable insights that could maximize your savings!

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Deducting Home Improvements Feb 22, 2024

Thinking of doing home improvements? Want to know if you can deduct the expenses on your taxes? Join me as we uncover the truth!

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Crazy Tax Deductions Feb 21, 2024

In this episode of the Wacky Wednesday show, Ralph Estep, Jr., discusses bizarre and unusual tax deductions that have caused taxpayers to end up in trouble with the IRS. Ralph highlights that while some of these cases may sound amusing, the ramifications can be severe, often leading to additional taxes, penalties, and in some cases, criminal charges.

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Creating an Effective Email Marketing Campaign Feb 20, 2024

In the Tuesday's technology show, Ralph Estep Jr., discusses the importance of an effective email marketing system for small businesses. He walks through the process of creating a successful system, which includes defining goals, building an email list, choosing an email marketing software, and designing templates. Other tips mentioned include crafting compelling content, segmenting audience, automating campaigns, and complying with email marketing regulations. The importance of testing and optimization is also noted, as well as resources to learn more about the topic.

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Setting SMART Financial Goals Feb 19, 2024

Join Ralph Estep Jr as he speaks about setting smart financial goals to achieve financial success. It introduces the concept of SMART goals (Specific, Measurable, Achievable, Relevant, Time-Bound) and provides examples of how to apply them to different areas of personal finance, such as saving for a down payment, paying off credit card debt, saving for retirement, improving credit scores, and building an emergency fund. Ralph emphasizes the importance of staying motivated, committed, and focused on achieving financial goals.

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Growing in Wisdom: Applying Biblical Principles Feb 18, 2024

The Ask Ralph Sunday edition features a deep dive into the intersection of faith and finances. Ralph Estep encourages listeners to explore financial and other topics from a biblical perspective and discusses his new book, 'The Gospel of Entrepreneurship: Following Jesus in Your Business Journey'. The primary focus of this show is growing in wisdom from applying biblical principles like patience, humility, discernment and living by the golden rule. The importance of wise decisions, treating others well, good financial stewardship, seeking wise counsel, and aligning thoughts with God's truth are also emphasized.

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Understanding Your Constitutional Rights: A Conversation with Chris Rowe Feb 17, 2024

In this episode of the Ask Ralph Show, host Ralph Estep speaks with Chris Rowe, a renowned constitutional expert. Together, they delve into the significance of the U.S Constitution, its origins and how a thorough understanding impacts individuals. The duo discuss how the knowledge of the Constitution should guide us as citizens and inform our voting decisions. Furthermore, Chris explains the importance of addressing these fundamentals in our education system to secure our rights and freedoms. The podcast ends with an interesting discussion about the implications of the current economic and political developments on the mortgage industry.

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12 Steps to Take 6 Months Before You Retire Feb 16, 2024

Join Ralph Estep, Jr. as he discussed 12 Steps to Take 6 Months Before you retire and discusses the steps individuals should consider before retiring.

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SEP IRA's Explained Feb 15, 2024

Understanding SEP IRAs: Saving on Taxes and Planning for Retirement

In this episode of 'Ask Ralph', we delve into Simplified Employee Pension Individual Retirement Account (SEP IRA), a retirement savings tool primarily suitable for small business owners or independent contractors without employees.

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Unconventional Ways to Spend Money Feb 14, 2024

Join host Ralph Estep Jr. as he takes listeners on a journey through the world of unconventional spending. He shares examples of bizarre purchases such as face-shaped coins, personalized potatoes, and the 'selfie toaster'. Estep also discusses unique investments like racehorses, collectible sneakers, rare books, cryptocurrency, and classic cars. Finally, he delves into unusual adventures for the non-thrill seekers such as extreme knitting, competitive cheese rolling, virtual reality experiences, urban exploration, and mystery-solving experiences. Emphasizing life's need for humor, the episode encourages listeners to explore unconventional ways of spending money, pursuing investments, and having adventures.

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Leveraging Technology to Improve Customer Service and Grow Your Business Feb 13, 2024

Ralph Estep Jr. discusses the essential role of customer service in any business, and how technology can enhance it. He discusses how Customer Relationship Management software, chat bots, and self-service options can effectively cater to customer needs. Ralph explores the creation and promotion of self-service portals, drawing from his own business experiences. He also talks about using social media as a direct line of communication with customers, incorporating it for personalized support, automated messaging, and customer privacy handling. Furthermore, he outlines the future of customer service with AI-driven solutions like voice assistance and augmented reality.

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Financing Your Home - Here are the Basics Feb 12, 2024

Ralph Estep Jr advises on the home financing process, discussing the pre-approval process, house hunting, applying for a mortgage and going through the underwriting procedure.

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Living a Life of Integrity - Honoring God's Commandments Feb 11, 2024

Explore the importance of living a life of integrity and honoring God's commandments in this thought-provoking episode. Learn how aligning your financial decisions with ethical practices can lead to long-term success and fulfillment.

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A Game Plan for Success: Brandon Steiner on Winning in Sports Memorabilia and Beyond Feb 10, 2024

Entrepreneur Brandon Steiner shares his insights on success, embracing challenges, and the importance of work-life balance in the sports memorabilia industry.

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Converting Personal Vehicles to Business Use Feb 09, 2024

Ralph Estep Jr., discusses the process and benefits of converting personal vehicles to business use. He explains how this can lower taxes, provide deductions, and offers tips on documentation, deduction methods, and insurance considerations.

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Common Tax Jargon Feb 08, 2024

Baffled by tax jargon? Demystify terms like adjusted gross income, itemized deductions, tax brackets, and tax credits. Listen now to learn more!

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Weird Side Hustles Feb 07, 2024

In this episode of the Ask Ralph podcast, Ralph Estep, Jr. discusses some truly bizarre and interesting side hustles. These include being a professional bed warmer, sleeper, mourner, mermaid, pet psychic, scare actor, bridesmaid or groomsman, slime maker, line sitter, human mannequin, and snake milker. These unconventional methods of making money challenge commonly held perceptions about generating income and underscore the endless opportunities available in the world of side hustles.

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Cybersecurity for Entreprenuers Feb 06, 2024

In this episode of the Ask Ralph podcast, host Ralph Estep, Jr. delves into the importance of cybersecurity for small businesses and entrepreneurs, emphasizing that they accounted for 43% of all cyber attacks in 2020. He offers concrete strategies and practical steps that businesses can take to buffer against cyber attacks. This includes developing a strong password policy, enabling two-factor authentication, updating software regularly, and educating employees about cybersecurity. Other measures include using robust firewall and antivirus software, conducting regular cybersecurity assessments and audits, as well as implementing strict access controls. The podcast also advises on cybersecurity insurance and effective response to suspected security breaches. A comprehensive cybersecurity checklist for small businesses is mentioned to be available upon visiting the Ask Ralph podcast webpage.

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Overcoming Fear of Failure: Taking Risks in Business and Finance Feb 05, 2024

In this episode of the 'Ask Ralph' podcast, host Ralph Estep, Junior, discusses how overcoming the fear of failure can unlock greater levels of success in business and personal finance. He proposes eight concrete steps: embracing the unknown, weighing potential risks and rewards, fostering a growth mindset, creating a supportive network, pursuing ongoing education, planning for contingencies, trusting one's intuition, and maintaining self-belief. Emphasizing that failure should not be seen as a dead end but a stepping stone to success, Ralph encourages audience participation through reviews and feedback.

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Finding Strength in Times of Trouble - Trusting God's Plan Feb 04, 2024

Ralph Estep Jr. explores how to find strength in times of trouble and trust in God's plan. He emphasizes the importance of surrendering to God's guidance, seeking his wisdom, and cultivating resilience, gratitude, and mindfulness. Ralph also encourages setting goals, embracing change, and celebrating personal strengths. The episode concludes with a prayer and a reminder that trusting in God's plan empowers us to overcome any challenge.

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Capitalize on Strengths, Overcome Weaknesses: A Conversation with Professor Craig Van Slyke Feb 03, 2024

Ralph introduces Craig, a podcast host of "Live Well and Flourish" who shares practical wisdom to live an excellent life. The discussion is focused on leveraging personal strengths and accepting weaknesses, emphasizing the importance of knowing oneself and making informed decisions for living a life of virtue and reason.

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Pass-Through Entities Explained Feb 02, 2024

Join Ralph Estep, Jr. as he explains Pass Through Entities and provides an in-depth explanation of pass-through entities such as LLCs and corporations. It covers topics such as how these entities work, the tax benefits they offer, and the steps to create one for a business. Ralph emphasizes the importance of consulting with professionals for legal and tax advice. Additionally, Ralph highlights the potential tax savings, personal liability protection, and ability to deduct business losses that come with using pass-through entities.

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Don't Miss These Tax Credits Feb 01, 2024

In this episode of the Ask Ralph podcast, host Ralph Estep, Jr. explains the difference between tax credits and deductions. He also explores common tax credits for the 2023 tax return, such as the child tax credit and the earned income tax credit. Additionally, Ralph delves into lesser-known credits like the lifetime learning credit and the residential energy efficient property credit.

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Crazy Business Ideas That Actually Worked Jan 31, 2024

Join Ralph Estep, Jr., as he explores Crazy Business Ideas That Actually Worked and discusses the secrets behind seemingly crazy ventures that became incredibly successful. He explores how these ideas defied the odds, tapped into deep desires, and solved problems we didn't know we had. Estep also highlights some remarkable success stories like the iPhone and Airbnb, as well as notable business failures like new Coke and the Segway. Ralph emphasizes the importance of understanding market needs, being agile and responsive, effective communication and branding, and learning from both successes and failures in the world of business.

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Benefits and Risks of Using Personal Financial Apps Jan 30, 2024

The episode of Ask Ralph podcast hosted by Ralph Estep Jr., focuses on the benefits, costs, and risks associated with personal financial apps such as Mint, Personal Capital, Pocket Guard, and YNAB. The podcast describes how these apps aid in managing finances, budgeting, tracking expenses, and providing financial education.

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10 Myths about Retirement Jan 29, 2024

In this episode, host Ralph Estep, Jr. discusses common myths about retirement and debunks them. He covers topics such as the misconception that retirement means no work, the reliance on Social Security for all expenses, the importance of saving for retirement early, the potential risks of excessive withdrawals from retirement accounts, and more. Ralph emphasizes the need for financial planning, consulting with professionals like financial advisors and tax advisors, and creating a comprehensive estate plan.

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Finding Purpose in God's Kingdom - Using Your Gifts Jan 28, 2024

In this episode of the Ask Ralph podcast, host Ralph Estep Jr. discusses how individuals can find their purpose and success by using their unique gifts according to religious teachings. He emphasizes the importance of self-reflection and using one's gifts not just for personal growth but also for contributing to the greater good and glorifying God. Ralph also highlights the importance of community support on this journey, tackling challenges with faith and resilience, and integrating faith into various aspects of life including business, careers, and personal relationships. The episode ends with a closing prayer and an invitation for listeners to explore additional resources and provide feedback on the podcast.

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Five Tax Blunders That Can Leave You Broke Jan 27, 2024

In this podcast episode, Ralph Estep Jr. discusses the five tax blunders that can leave you broke. He highlights the importance of keeping accurate records, taking advantage of tax credits and deductions, planning for taxes throughout the year, seeking professional help when needed, and not ignoring tax-saving opportunities for your business. By avoiding these blunders and implementing smart financial strategies, you can achieve financial stability, lower your taxes, and grow your business. Estep emphasizes the importance of being proactive and seeking professional guidance when necessary. He ends the episode by encouraging listeners to take control of their financial future and make smart decisions with their money.

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Purchasing versus Leasing Your Next Vehicle Jan 26, 2024

In this episode of Ask Ralph, the podcast dedicated to answering finance-related questions, host Ralph Estep, Jr. explores the topic of financing versus leasing when it comes to purchasing a car. Ralph then delves into the differences between financing and leasing a car purchase.

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Beneficial Ownership Reporting - What you need to know! Jan 25, 2024

In this episode of The Ask Ralph Show, host Ralph Estep Jr. explores the topic of beneficial ownership reporting, providing valuable insights into who truly owns and controls businesses. These regulations, implemented by FinCen to combat money laundering and enhance transparency, aim to uncover the individuals behind corporate structures and shell companies. By disclosing beneficial ownership information, national security efforts are strengthened as it helps detect terrorism financing, prevent money laundering, counter organized crime, curb corruption, and enhance risk assessment.

The regulations promote transparency and accountability in the financial system while reducing opportunities for illicit financial activities. However, it is important for businesses to be aware of their reporting obligations as failure to comply can lead to penalties and legal consequences. Seeking legal advice is recommended to ensure compliance with specific reporting requirements that may vary depending on jurisdiction.

Certain entities may be exempt from these requirements if they are publicly traded or already subject to regulatory oversight. Understanding whether a business falls within the scope of these regulations is crucial in determining compliance.

Complying with beneficial ownership reporting is essential not only for avoiding fines but also for preventing reputational damage that non-compliance can bring. Listeners are encouraged to visit www.askralphpodcast.com for more information on this topic or access previous episodes of The Ask Ralph Show hosted by Ralph Estep Jr., proudly sponsored by Saggio Accounting Plus.

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Crazy Tax Mistakes and How to Fix Them Jan 24, 2024

Join Ralph Estep, Jr. on the Ask Ralph Show as he explores crazy tax mistakes and how to fix them. From deducting pets as dependents to inflating charitable contributions, these stories highlight the importance of staying within tax laws. Practical advice includes maintaining meticulous records, accurately reporting income, and seeking professional assistance when needed. Listeners are encouraged to review their returns for errors and seek help if unsure. The episode emphasizes the significance of accurate filing practices to avoid audits or penalties.

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Tips for Staying Safe Online and Balancing Your Digital Life Jan 23, 2024

In this episode of the 'Ask Ralph' podcast, host Ralph Estep Jr. discusses the importance of staying safe online in the digital age. He begins by asking listeners if they are confident that they are doing everything they can to protect their personal information online.

Ralph emphasizes that with the convenience of living in a digital world comes risks and potential threats. He advises listeners to ensure that their devices and accounts are secure by regularly updating software, using strong and unique passwords, and enabling two-factor authentication whenever possible.

Maintaining a healthy digital balance is equally important in navigating the digital age. Ralph provides tips for setting boundaries on device usage timeframes throughout the day; taking regular breaks from screens; practicing mindful usage; creating tech-free zones at home or work; disconnecting from screens before bedtime; prioritizing real-life connections through face-to-face interactions; engaging in offline hobbies or activities; practicing periodic digital detoxes; utilizing productivity tools to manage time effectively while preventing distractions.

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There's Hope for Getting a Mortgage After Bankruptcy Jan 22, 2024

In this episode of Ask Ralph, the host, Ralph Estep Jr., discusses the topic of "Buying a Home After Bankruptcy." He acknowledges that declaring bankruptcy can have a significant impact on one's finances, including a drop in credit score and its presence on the credit report for up to 10 years. However, he reassures listeners that it is not impossible to buy a home after bankruptcy; it just requires time and effort to rebuild credit and financial stability.

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Spiritual Reasons for Personal Frugality - Poor in Life - Rich in Spirit Jan 21, 2024

Join Ralph Estep, Jr., on today’s show where he explores the topic “Poor in Life, Rich in Spirit” In our fast-paced and consumer-driven world, it's easy to get caught up in the pursuit of material wealth and possessions. However, there is a deeper spiritual dimension to the way we handle our finances and embrace a frugal lifestyle. Today, we'll explore the biblical perspective on personal frugality and discuss ways to achieve it in our daily lives.

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Avoiding "The Mailbox is Full" Jan 20, 2024

In today's episode of Ask Ralph, Ralph Estep, Jr., discussed the crucial importance of never allowing your customer to hear the dreaded message, "The person you are calling has a voicemail box which is full." He explores alternative solutions for small businesses that rely heavily on their cell phones as their main point of contact. He highlights the frustration that both customers and business owners experience when important calls go unanswered due to a full voicemail box. To avoid this situation, he introduces some fantastic products that provide alternatives to using simple cell phones.

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Building An Emergency Savings Fund Jan 19, 2024

Join Ralph Estep, Jr., as he discusses why building an emergency savings plan is crucial for financial security and peace of mind. Living paycheck to paycheck without savings leaves individuals vulnerable to unexpected events like job loss, medical emergencies, or car repairs. By building an emergency savings fund, you create a financial cushion to protect yourself from these situations. The first step is setting a savings goal, ideally three to six months' worth of living expenses. Break this goal into manageable milestones to track your progress. Creating a budget is essential. Analyze your income and expenses to identify areas where you can cut back and allocate more money towards your emergency savings. Automating savings through automatic transfers from your paycheck or checking account into a separate emergency savings account can help you stay consistent.

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Tax Implications of Selling Your Home Jan 18, 2024

Join Ralph Estep, Jr. as he discusses the important topic of reporting the sale of a primary residence. He provides information on the essential documents needed for accurate reporting, such as the closing statement, purchase and sales agreement, home improvement records, property tax records, and mortgage and loan information. Ralph highlights key points related to capital gains tax, including eligibility for a capital gains tax exclusion and partial exclusions based on specific circumstances. He also mentions the IRS forms required to report the sale and discusses additional tax considerations like the net investment income tax and state and local taxes. Ralph emphasizes the complexity of reporting the sale and advises listeners to consult with a qualified tax professional for personalized advice.

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Wacky Business Story Headlines Jan 17, 2024

In this episode of Ask Ralph, host Ralph Estep, Jr. explores the wackiest business news stories that have made headlines. These stories remind us that entrepreneurship is full of surprises and that truth can often be stranger than fiction. The first story highlights the Million-Dollar Potato Salad campaign launched on Kickstarter in 2014. Zack Brown raised over a million dollars from thousands of backers for his simple potato salad recipe. While some criticized it as a waste of money, others saw it as a testament to the power of crowdfunding and the randomness of the internet. Next, Ralph discusses the Pet Rock phenomenon from the 1970s. Gary Dahl sold rocks as low-maintenance pets, complete with humorous instruction manuals. The idea became a cultural phenomenon, with millions of pet rocks sold and even a fan club. It demonstrated people's willingness to buy into quirky and unconventional ideas. The Iceberg Water business is another unique story. In 2015, a company called Iceberg Water began harvesting icebergs in Newfoundland and Labrador, Canada, and selling the melted iceberg water at a premium price. People were willing to pay for this "pure" and unique water, showcasing the value found in unexpected places. Ralph then talks about the World's Most Expensive Hot Dog, created in a Seattle restaurant in 2012. Priced at $169, the hot dog included extravagant ingredients like Wagyu beef, foie gras, black truffles, and caviar. While most people would settle for a regular hot dog, some were willing to splurge on this culinary experience. Lastly, Ralph discusses the Avocado Hand incident that gained attention in 2017. People were accidentally injuring themselves while trying to handle avocados, leading to discussions about safety warnings on avocado packaging. It served as a reminder that even the simplest things can become unexpected hazards.

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Best Accounting Software for 2024 Jan 16, 2024

In this episode of Ask Ralph, host Ralph Estep, Jr. discusses the best technology for handling accounting tasks in small businesses and the benefits of partnering with a professional accounting firm. Ralph emphasizes that technology has revolutionized the way businesses are managed, including accounting. He highlights four popular accounting software options: QuickBooks, Xero, FreshBooks, and Zoho Books.

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Using Your Core Compentencies to Manage Business Success Jan 15, 2024

In this episode of Ask Ralph, host Ralph Estep Jr. addresses the common struggle of finding motivation as a small business owner and offers a solution: focusing on core competencies instead of chasing after the competition. Ralph emphasizes that getting caught up in analyzing competitors can drain motivation and lead us away from our true strengths. Instead, he suggests finding motivation by understanding and harnessing our core competencies – the unique strengths, skills, and resources that set our businesses apart.

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Using Prayer to Navigate Financial Hard Times Jan 14, 2024

In this episode of Ask Ralph, host Ralph Estep, Jr. explores the topic of navigating stormy financial times with faith and prayer. Ralph emphasizes that life can bring unexpected storms, especially when it comes to finances. Job loss, economic downturns, and unforeseen expenses can leave individuals feeling anxious and uncertain. However, he reminds listeners that they are not alone in these challenging times. Ralph highlights the power of faith in providing strength, hope, and resilience during financial trials. He shares the wisdom of Proverbs 3:5-6, which encourages trust in the Lord and seeking His guidance for straight paths.

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Estate Planning Chat with Attorney Kevin Baird Jan 13, 2024

Join Ralph Estep Jr. on today's show as he engages in a conversation with Attorney Kevin Baird from the law firm of Baird, Mandalas, Brockstedt & Frederico. Ralph and Kevin have an insightful discussion about estate planning and the essential documents that we should all have prepared, not only for when we pass away but also in case we become unable to make decisions for ourselves. Kevin debunks common misconceptions surrounding estate planning and clarifies the costs associated with these documents while emphasizing their significance for everyone. Additionally, Kevin generously offers a discount to clients who mention the Ask Ralph Show.

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Innocent Spouse Relief Jan 12, 2024

The innocent spouse rules with the Internal Revenue Service are provisions designed to protect taxpayers from the tax liabilities of their current or former spouse. In this episode of the Ask Ralph podcast, host Ralph Estep, Jr. explores this crucial area of tax law and its impact on individuals facing challenging situations.

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Deferred Interest Loans - Don't Get Pinched! Jan 11, 2024

Deferred interest loans have become increasingly popular, particularly in the retail sector, as they allow consumers to make purchases without incurring any interest charges for a specified period. While these loans offer flexibility and the opportunity to build credit, there are potential risks that borrowers need to be aware of. Join Ralph Estep, Jr., as he gets into the details of these loans so you don't get pinched!

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Getting Ready for Tax Time Jan 10, 2024

Ralph Estep, Jr. welcomes listeners to another episode of the Ask Ralph podcast, where he delves into taxes and financial matters. In this episode, he focuses on preparing for tax season and provides valuable guidance on finding a professional accountant, gathering necessary documents, and reviewing completed returns for accuracy. Estep emphasizes the benefits of working with a qualified accountant who can navigate complex tax laws, maximize deductions and credits, and provide tax planning advice. He advises listeners to consider the accountant's credentials, experience, communication style, and availability when making their selection.

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7 Ways to Raise Your Credit Score by 200 Points Jan 09, 2024

In this episode of Ask Ralph, we explore the topic of raising your credit score by 200 points in less than five years. Host Ralph Estep Jr. breaks down the importance of credit scores and shares valuable insights on achieving this goal to improve your credit score.

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New Years Financial Resolutions Jan 08, 2024

In the latest episode of the Ask Ralph show, host Ralph Estep, Jr. discusses financial New Year's resolutions for 2024. According to a study from WalletHub, almost half of all Americans plan to make finance-related resolutions in the coming year – a significant increase from last year. However, many individuals anticipate challenges in sticking to their financial plans due to economic uncertainties.

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10 Experiences You Don't Want as a Retiree Jan 07, 2024

In this episode of the Ask Ralph show, host Ralph Estep, Jr. discusses the retirement anti-bucket list – 10 experiences retirees don't want to encounter. He starts by addressing the misconception that one must work until a specific age or accumulate a certain amount of savings before retiring. With proper planning and guidance from a retirement professional, individuals may discover they can retire sooner or transition into part-time work while maintaining financial stability.

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Saving Money on Your Next Car Jan 06, 2024

Today, we're discussing how to save money on your next car purchase. Whether you're in the market for a new or used vehicle, these tips will help you get the best deal possible.

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Common Estate Planning Mistakes Jan 05, 2024

Today, we're discussing common estate planning mistakes that you should avoid at all costs. Did you know that two out of three Americans don't have any estate planning documents? That's according to Caring.com’s 2023 Wills and Estate Planning survey.

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IRS Penalty Review - Breaking News! Jan 04, 2024

Join Ralph Estep, Jr. as he announces IRS updates regarding automatic penalty relief for taxpayers who had balances due in 2020-2021 but did not receive notices, covering eligibility criteria, ensuring address updated to receive refunds, and options if unable to fully pay like payment plans and offers in compromise. Other key points are creating an online IRS account to access tax information, importance of resolving IRS issues before escalation to liens/levies, and sharing the podcast.

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Starting a Small Business - An interview with Amanda Nauman Jan 03, 2024

Are you considering starting a small business? Join Ralph Estep, Jr. as he interviews Amanda Nauman of Zenliven Wellness. Together, they delve into Amanda's journey as a massage therapist and wellness business owner, shedding light on the challenges she encountered when transitioning from being an employee to running her own venture. Amanda reveals how she established a solid groundwork for her business by collaborating with Saggio Accounting and other experts who helped her navigate unexpected aspects of entrepreneurship. Ralph also explores topics such as strategic planning, monitoring business performance, and the pivotal relationships that lay the foundation for small businesses to thrive successfully.

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Emergency Withdrawals From 401-K Plans - Pros and Cons Jan 02, 2024

Ralph Estep, Jr. discusses the pros and cons of emergency withdrawals from 401(k) plans. He highlights that while hardship withdrawals provide immediate funds during crises without repayment requirements, they can deplete retirement savings and incur taxes and penalties. Additionally, emergency withdrawals often lead to an increase in credit card debt due to high-interest rates and potential difficulty in repayment. Ralph suggests alternatives such as creating an emergency fund, utilizing loan options within 401(k) plans, or seeking financial assistance from government programs or nonprofit organizations. Consulting professionals like Saggio Management Group Inc. is recommended for personalized guidance on navigating these decisions.

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Inflation Woes - Where Americans Say Their Expenses Have Gone Up Jan 01, 2024

Ralph Estep, Jr. addresses the issue of rising inflation in today's episode of the Ask Ralph show. He discusses areas where Americans have seen increased expenses and provides practical tips for saving money during times of inflation. Ralph suggests strategies such as downsizing or finding more affordable housing options, planning meals in advance to avoid impulse purchases, utilizing energy-efficient practices to reduce energy costs, and exploring alternative transportation methods. He emphasizes the importance of regularly reviewing budgets and seeking personalized advice from professionals like Saggio Management Group Inc. for tailored financial solutions.

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Steps For Withdrawing An Employee Retention Credit Claim Dec 31, 2023

Ralph Estep, Jr. discusses the steps for withdrawing an Employee Retention Credit (ERC) claim in today's episode of the Ask Ralph show. He emphasizes the importance of reviewing eligibility criteria, gathering relevant documentation, determining the reason for withdrawal or amendment, and seeking guidance from a qualified tax professional. Ralph advises completing Form 941-X to make changes or withdraw an ERC claim and stresses the need to provide a clear explanation when submitting the form. He recommends keeping records of all documents submitted and highlights the importance of accuracy and transparency in tax-related matters.

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Tax Breaks for Seniors Dec 30, 2023

Ralph Estep, Jr. discusses the best tax breaks for seniors in today's episode of the Ask Ralph show. He highlights tax-saving opportunities such as the extra standard deduction for seniors over 65, spousal IRA contributions, qualified charitable distributions (QCDs), and the Medicare premium deduction. Ralph also suggests exploring state-specific senior tax benefits, downsizing homes to take advantage of capital gains exclusions, and reviewing eligibility for other credits like the Elderly or Disabled Credit. He advises seeking professional advice from experts like Saggio Management Group Inc. to navigate complex tax laws and maximize available tax breaks.

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Self-Employment Tax Dec 29, 2023

In this episode of the Ask Ralph show, host Ralph Estep, Jr. discusses the important topic of self-employment tax. He explains that self-employment tax is what individuals who work for themselves must pay on their income, including both employer and employee portions of Social Security and Medicare taxes. Ralph provides a step-by-step guide on how to calculate self-employment tax and then explores concrete ways to reduce or avoid paying excessive amounts. These strategies include setting up a pass-through entity like an LLC taxed as an S corporation or partnership, forming a two-member LLC to classify as a partnership for tax purposes, or electing Subchapter S corporation status. Ralph also highlights the long-term benefits of paying self-employment tax, such as eligibility for Social Security benefits in retirement or during disability. Listeners are encouraged to share the podcast with friends and family and visit www.askralphpodcast.com to leave reviews or voicemails. This episode is brought to you by Saggio Management Group, Inc., your trusted partner in financial management.

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IRS Related Identity Theft Dec 28, 2023

Ralph Estep, Jr. discusses IRS related identity theft in today's episode of the Ask Ralph show. He emphasizes the importance of responding promptly if the IRS contacts you regarding suspected identity theft and provides steps to take, including contacting the IRS directly and completing Form 14039 - Identity Theft Affidavit. Ralph also highlights the need to protect personal information, monitor credit reports regularly, and be cautious of scams and phishing attempts. He suggests using strong passwords, considering identity theft protection services, and taking proactive measures to prevent identity theft in the first place. The episode concludes with a reminder to share the podcast with friends and family and visit www.askralphpodcast.com for reviews or voicemails.

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Mortgage & Economic Update - An Interview with Jason Bochniak Dec 27, 2023

Looking for a mortgage? Looking for the best rates? Join Ralph Estep, Jr., as he interviews mortgage expert Jason Bockniak. A great discussion about the mortgage market and the overall economy. Jason dives deep into historical trends and points out some concerning signs he sees in overall economic trends and how that may impact the rates on mortgages. This is a much listen to episode if you are interested in learning about some real interesing parallels between today's economy and the late 1970's.

Here is a link to some of the information Jason discussed. https://www.freddiemac.com/pmms#:~:text=Current%20Mortgage%20Rates,xlsx

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Three Reasons To Take Social Security Early Dec 26, 2023

It's a tough choice - When should I take my social security? Let Ralph Estep, Jr., share with you some concrete ideas about the right age to select to take your benefits and the potential pitfalls of making the wrong decision for your specific situation.

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The Lawsuit That Could Disrupt The US Tax System Dec 25, 2023

No more taxes on Social Security! Join Ralph Estep, Jr., as he explores the lawsuit which could significantly disrupt the US tax system. As we eagerly await a US Supreme Court decision, listen as Ralph explores the Moore case and how it may impact your taxes and entire US tax system.

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A Special Christmas Message - The True Meaning of Christmas Dec 25, 2023

What is the real reason for the season? Join Ralph Estep, Jr., as he shares a special Christmas message about joy, hope and love during the holiday season. All of us at the Ask Ralph podcast wish you a very Merry Christmas and a joyous New Year!

How to Ruin Your Credit Score - And FIX IT! Dec 24, 2023

Have you ruined your credit score? Many of us have faced the issue of a low credit score that has impacted our ability to borrow, but don't be discouraged. Join Ralph Estep, Jr., and he explains how credit scores are determined, but more importantly how to fix your credit score.

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The Four Best Pieces of Money Advice That People Hate to Hear Dec 23, 2023

Money advice that works, but most people don't want to hear because it takes work to turn these ideas into action. Join Ralph Estep, Jr., as he highlights the four pieces of money advice which will absolutely transform your financial present and provide for a bright financial future.

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Rules for Determining Independent Contractor Status Dec 22, 2023

Don't make the costly mistake of characterizing someone as an independent contractor when they are really an employee. Ralph Estep, Jr., explores the details related to the process of determining the correct status of workers. Avoid significant penalties and sanctions by listening to this vital podcast.

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Tax Tips for Self-Employed and Contract Workers Dec 21, 2023

If you are self-employed or a contract worker you need to listen to today's podcast where Ralph Estep, Jr., explores important tax tips to improve your tax situation. From accurate record keeping to entity considerations, Ralph dives into great ideas for significant tax savings.

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Best Tax Tips for Barbers and Cosmetologists Dec 20, 2023

Concrete tax tips and valuable discussion for those working as barbers and in the cosmetology industry. From accounting for tips to using cash apps, Ralph Estep, Jr., dives into beneficial tax assistance strategies.

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Time To Select A New Accountant? Dec 19, 2023

Now is the time to find a new Accountant if you are looking to make a change. As we make our New Year's resolutions - now is a great time to resolve to get your books in order. Ralph Estep, Jr., explores why to select a new accountant and what to look for in a new relationship.

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The Best Options When You Owe The IRS Dec 18, 2023

People tend to panic when they owe the IRS, but Ralph Estep, Jr., provides the best way to reduce the stress and the remove the fear of the process. It's not something to ignore or put-off and there are steps which everyone should take when they find themselves owing the IRS.

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Choosing An Accountant To Handle Your Payroll Dec 17, 2023

Payroll may be a daunting task and if you make mistakes there are significant penalties for not handling payroll correctly. Ralph Estep, Jr., explores why selecting an accountant to handle payroll is so important and explores some of the problems created when errors are made in payroll processing.

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Demystifying Business Valuations Dec 16, 2023

Join Ralph Estep, Jr., on today's Ask Ralph Show as he demystifyies business valuations. Ralph explores what is meant by a business valuation, why they are important and how the process works.

Year-End Tasks to Ensure Your Records Are In Order Dec 15, 2023

Join Ralph Estep, Jr., on today's show as Ralph explores the best year-end tasks to perform when using QuickBooks online to ensure you are ready for tax preparation. Ralph shares specific actions that all businesses should take at year-end.

Crazy Deductions for Content Creators? Dec 14, 2023

Join Ralph Estep, Jr., on today's Ask Ralph show as he discussed some crazy tax deductions which are available to content creators. If you work as a content creator this is a must hear podcast.

Should I Pay Off My Mortgage With Retirement Funds? Dec 13, 2023

Join Ralph Estep, Jr., on today's Ask Ralph Show as he answers the question - Should I Pay Off My Mortgage With Retirement Funds? Ralph explores the potential consequences as well as tax costs of such a move.

Second Mortgages - What are they and how do they work? Dec 12, 2023

Join Ralph Estep, Jr., on today's show as we explores Second Mortgages. Ralph has a discussion about the types of second mortgages as well as the application process. He also delves into the pros and cons of these loans.

Selecting An Accountant to Handle Your Taxes Dec 11, 2023

Join Ralph Estep, Jr., on today's show as we discusses what to look for when selecting an accountant to handle your taxes and why choosing a licensed accountant is a better option that a simple tax preparer or online software.

Exploring the New Delaware Paid Leave Program Dec 10, 2023

Join Ralph Estep, Jr., on today's podcast as he explores the impact of the New Delaware Paid Leave Program and how it will affect all Delaware businesses with more than 10 employees. Ralph discuss the goals of the program as well as the impact on Delaware employers.

Student Loans and Bankruptcy - Updated Rules Dec 09, 2023

Join Ralph Estep Jr., on today's show as he discusses some Biden Administration updates to the laws related to including student loan debt in bankruptcy. Ralph discusses the new details related to these updated rules.

Retirement Savings for Gig Workers and the Self-Employed Dec 08, 2023

Join Ralph Estep, Jr., on today's podcast as he explores some very efficient retirement savings for Gig workers and the self-employed. These are some great opportunities for retirement savings.

How to Give A Boost to your Charitable Giving Dec 07, 2023

Join Ralph Estep Jr., on today's podcast as he provides some efficient ways to boost charitable giving and get some fantastic year-end tax savings.

Taxpayer Proactive Year-End Tax Planning Dec 06, 2023

Join Ralph Estep, Jr., as he explores some great year-end tax planning strategies. Ralph will give some great ideas for taxpayers to reduce or limit their tax liability.

Why We Should All Support Small Businesses Dec 05, 2023

Join Ralph Estep, Jr., on the podcast where he explorers the importance of supporting small businesses. Ralph discusses the critical aspects of how small business is a life-line to our economy and the communities where they operate.

Exploring the Back Door Roth IRA Dec 04, 2023

Join Ralph Estep, Jr., on today's podcast as he explores the Back Door Roth IRA. Ralph explains what it is and how may benefit from it. Don't miss today's episode and the potential tax benefits of the Back Door IRA.

How Could I Owe Taxes in 2023 and How Do I Prepare? Dec 03, 2023

Join Ralph Estep Jr, today as he explores the potential reasons you may owe taxes for 2023. Ralph reviews some potential situations which could lead to a dreaded tax bill and how to prepare for tax filing.

The Latest News on the IRS 1099-K Reporting Changes Dec 02, 2023

Join Ralph Estep Jr., on today's show as he explores some changes to the form 1099-K and explains how this not only a business issue, but will affect anyone who uses cash apps or other exchange platforms. Ralph explains the newest IRS press release and prepares listeners to it's implementation.

Part 3 - Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives Dec 01, 2023

Join Ralph Estep, Jr., as he wraps up his three part series on Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives. Ralph explores the final areas where listener will save money and contine to enjoy their lives.

Part 2 - Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives Nov 30, 2023

Join Ralph Estep, Jr., as he continues his three part series on great money saving alternatives that allow you t continue enjoy life and do the things you thought you could no longer afford to do. Ralpj gives practical ideas to save money and still enjoy your life.

Part 1 - Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives Nov 29, 2023

Join Ralph Estep Jr., as he launches Part 1 of a three part series on the Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives. Ralph explores money saving options to allow you to continue to enjoy the things which you thought might have become too expensive.

10 Ways to Save Money During the Holiday Season Nov 28, 2023

Join Ralph Estep, Jr, on today's podcast as Ralph explores 10 Ways to Save Money During the Holiday Season. Ralph provides some very practical advice about how to have a stress-free and hopefully debt-free holiday season.

Consequences of Ignoring Your Credit Score Nov 27, 2023

Join Ralph Estep, Jr., on today's podcast as he explores the consequences of ignoring your credit score. Ralph offers practical advice on how to improve your credit score and explores the costs of not honoring your credit.

The Financial Impact of Putting a Loved One in a nursing home Nov 26, 2023

Join Ralph Estep Jr., on today's podcast as he explores the financial impact of putting a loved one in a nursing home. Ralph explores the difficult financial decisions which may need to be made during this highly emotional time and details the financial impact of these often overlooked impacts.

Top 10 Year End Business Tax Savings Ideas Nov 25, 2023

Join Ralph Estep, Jr., on today's podcast as he explores the Top 10 Year End Business Tax Savings Ideas. If you are a business owner, Ralph will share critical steps you may be able to take at year-end to save on your taxes.

Listener Questions about Personal Finance Nov 24, 2023

Join Ralph Estep, Jr., on today's podcast as he reviews some listener submitted questions about personal finance. Ralph provides powerful information about budgeting, saving and retirement planning.

Ask Ralph Relaunch Nov 22, 2023

The Ask Ralph podcast relaunch. Join Ralph Estep, Jr., as he welcomes everyone back the podcast. During this show Ralph takes listener questions about personal finances. Ralph explores business year-end tax savings strategies and finally Ralph has a frank discussion about the financial impact of nursing or skilled care for a loved one. Join Ralph as he makes the complex simple with practical advice.

The Ask Ralph podcast is coming back! Nov 17, 2023

The Ask Ralph podcast is coming back! We are working on some great new content.

Stop Wasting Time at Work Apr 30, 2019

A recent study taken by American workers found that only 11% of the respondents were able to complete all of their given tasks within the workday. A startling statistic, but one that rings understandable to most of us. On today's show, Ralph outlines some strategies for reducing delay, procrastination and time-wasting at work that you can take with you through life.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.

Estimated Tax Payments Apr 25, 2019

The American tax system operates on a "pay as you go" basis, meaning, the IRS wants taxes paid as you earn your income, not after. For employees, this means payroll withholding. For retirees, this means opting for withholding on Social Security and retirement distributions. For the self-employed or operator outside of normal withholding system, this can mean making estimated tax payments throughout the year. On today's show, Ralph discusses how to calculate and when to pay your estimated taxes.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.

An Innocent Spouse Apr 23, 2019

When filing a joint federal tax return, the law holds you and your spouse jointly responsible for the entire tax liability. What this means is that the IRS may collect the tax due from the both of you or either one of you, and is true regardless of future divorce or separation. In some instances, you can file for what is referred to as innocent spouse relief with the IRS. On today's show, Ralph discusses why innocent spouse relief may be an option, how to file and what it can mean for your federal tax liability.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.

Median Americans Apr 18, 2019

Ever wonder how you and your household compares with spending to the average American? We all know what the biggest expenses, i.e. housing, groceries, utilities and health insurance. But variations in these core expenses and a wide range of others varying based on your location, age and other demographic groups. On today's show, Ralph talks spending and how average Americans push their pennies!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.

Avoid These 4 Mistakes in Tax Filing Apr 13, 2019

As Tax Day inches closer and closer, it can be tempting to rush through your tax returns while preparing, but we urge you, that could be a bad idea. Rushing tends to result in mistakes, over justifications, lapses and a wide array of errors that can slow the processing of your tax return, resulting in delayed tax refunds or worse, a second glance from the IRS. On today's show, Ralph outlines 4 foul proof tips for avoid some of the most common mistakes this filing season.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.

The Great Refund Debate Apr 11, 2019

Are your personal finances a highly-organized, well-oiled machine? Or is there a lot of room for improvement? The answer to that question is more important than you might think, especially during tax time. Most people anxiously await a big check from Uncle Sam in April, but it turns out a giant tax refund might not be so great after all. On today's show, Ralph discusses the pros and cons towards getting a big refund at tax time!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.

Tips for Choosing a Tax Preparer Apr 10, 2019

More than 50% of taxpayers hire a professional to prepare their taxes. With that being said, hiring a profession doe not absolve you of your legal responsibility for what is on your tax return. Mistakes and their consequences are the responsibility of the individual, married couple, or business whose name appears at the top of the return. On today's show, Ralph reviews his tips for picking the best tax preparer this filing season!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.

Do You Need to File a Tax Return? Apr 04, 2019

You are required to file a federal income tax return if your income is above a certain level. That level varies quite a bit, depending on your filing status, your age and the kind of income you’re reporting. On today's show, Ralph outlines whether or not you need to file a tax return this 2019 tax season.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.

Home Ownership Tax Myths Apr 03, 2019

Home ownership is a lifelong dream for millions, and one that comes with its own unique set of pleasures and challenges. But for all the true benefits of homeownership, there are an equal number of myths about what it is like to own and maintain property. On today's show, Ralph debunks some important home ownership myths you need to know!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.

Business Versus Hobby Apr 02, 2019

You have started a business and you aren't making a profit. You've heard that the IRS won't accept business deductions if it considered your business a "hobby", but what it the truth? On today's show, Ralph discusses how the IRS distinguishes between legitimate business and hobby activities, for the purpose of taxes and what that means for you.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.

Tale of the Ghost Tax Preparer Mar 28, 2019

Ghost preparers, according to the IRS, “look to make a fast buck by promising a big refund or charging fees based on a percentage of the refund. These scammers hurt honest taxpayers who are simply trying to do the right thing and file a legitimate tax return.” So how do you figure out if you are being scammed by your preparer? On today's show, Ralph discusses the steps on how to not get "ghosted" when choosing a tax preparation service.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.

Respond Don't React Mar 27, 2019

On today's show, Ralph talks about his experience with responding and not reacting during interactions and how we all can benefit from practice in taking a breath, thinking logically and responding appropriately.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information.

VA Home Loans Mar 21, 2019

The share of service members using VA mortgage loans instead of conventional ones to purchase their first homes more than doubled from before the housing crisis hit to after the dust settled, according to a report from the Consumer Financial Protection Bureau. On today's show, Ralph discusses exactly what a VA home loan is, how to use one and what benefits surround their use in home financing.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information

How Scammers Steal Your Money Mar 15, 2019

Cybercrime has been a lucrative business for swindlers since the early days of the internet. Despite the advancements in security, hackers and criminals will always be one-step ahead of us. That is why it is important for us to become knowledgeable on the common ways that scammers use to steal your hard-earned money so that we can thwart any threats before they become a problem. On today's show, Ralph discusses how scammers and grifters con you out of your money in today's new technology age.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information

3 Reasons to Hire a Tax Professional this Year Mar 12, 2019

Sleepless nights, panic attacks and pounding headaches are feelings that are far too familiar for taxpayers during the spring. But how do you know if you really need the help of a professional tax preparer? On today's show, Ralph discusses reasons why you may need to recruit a tax preparer this year.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

IRS Audit Red Flags for TY18 Mar 07, 2019

While the overall risk of being audited is generally low, new changes resulting from the enacted Tax Cuts and Jobs Act (TCJA) could impact your susceptibility of being audited this tax season. On today's show, Ralph discusses some of the most impactful red flags to be aware of this tax year 2018 filing season.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

Why File Early? Mar 05, 2019

Whether you do them yourself or pay someone else to do them for you, preparing your income taxes is probably not one of your favorite chores. Knowing you have a refund coming can make the whole process somewhat easier, but gathering your paperwork and ensuring the forms are completed correctly can still be both time-consuming and stressful. On today's show, Ralph discusses the reasons for why it is best to file early when filing your tax returns.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

Interview with Stefan "The Freak" Talabisco Mar 02, 2019

A special bonus for our listeners is the full interview with Stefan "The Freak" Talabisco to talk with Ralph about his life as a veteran and up and coming professional boxer. With goals of boxing in venues far and wide, he reminisces about his start, what he loves most and his upcoming event, Saturday March 30, 2019, for the Night of Live Boxing! at the Hockessin Pal Center.

For more information, check out his Facebook (@frankiepaul) or purchase tickets by calling 609-868-4243.

For more content, subscribe to our podcast on Apple podcasts or wherever you listen!

You can also like us on Facebook, follow us on Twitter (@askralphmedia) or email us at askralph@askralphmedia.com.

Tax Changes for Military Members Feb 28, 2019

Recent changes in tax law mean that many in uniform could see big returns when they file their 2018 taxes. On today's show, Ralph discusses how many services members and their families are likely to see substantial reductions in their overall federal taxes for 2018.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

Elizabeth Warren's Wealth Tax Feb 27, 2019

Is a tax on the net worth of the ultrarich a good idea? Under Senator Warren’s plan, the tax rate on wealth would be two per cent, but it would only apply to American households worth at least fifty million dollars. On today's show, Ralph discusses his thoughts on this presidential contender's plan to tax the rich.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

Small Business Retirement Plans Feb 21, 2019

What is the best retirement plan for a self-employed person? Which is the best retirement plan for a small business owner? More importantly, which is the right retirement plan for you – as a business owner? On today's show, Ralph discusses how to find the best retirement plan for you and your small business.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

Tax Tips for Grads Feb 19, 2019

The first few years after college graduation are full of milestones. In addition to getting your degree, starting your career, moving out from your parents home and starting your new life, you will eventually need to file your taxes. On today's show Ralph discusses what graduates should take special note of when preparing their returns this year and going forward.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

Tax Refund Hype Feb 16, 2019

A special bonus for our listeners is a special segment from Ralph discussing all of the hype surrounding tax refunds during this 2018 tax season as aired originally on our radio broadcast from Saturday February 16, 2019at 8:00AM on WILM 1450 (https://wilm.iheart.com/) in Wilmington, WDOV 1410 (https://wdov.iheart.com/) in Dover and live on iHeart Radio.

For more content, subscribe to our podcast on Apple podcasts or wherever you listen!

You can also like us on Facebook, follow us on Twitter (@askralphmedia) or email us at askralph@askralphmedia.com.

Paying off Your Mortgage Early Feb 14, 2019

Paying off your mortgage before the loan is up might feel light years away, but it is doable if you plan your finances right. If you pay off your mortgage early, you could save a lot of money on interest. On today's show Ralph discusses how to and why paying off your mortgage early might be right for you!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

Improve Your Finances In 2019 Feb 12, 2019

Whether you plan to make some New Year’s resolutions or not, there’s no better time than the beginning of the year to review your finances. On today's show, Ralph talks finances and how to get better at them in the new year!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

How to Establish Credit in 5 Easy Steps Feb 07, 2019

Trying to get your first credit card can be as frustrating as trying to land your first job. Employers want experience, but you can’t get experience unless someone hires you. Similarly, a credit card is the quickest way to build a good credit history, but without a good credit history it’s hard to get a credit card. On today's show, Ralph discusses how to establish credit when you have little or none at all.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

2019 Financial Checklist Feb 06, 2019

On today’s show Ralph outlines what you need to do and know to give yourself a financial check up this new year!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

IRS Social Media to Catch Tax Cheats Jan 31, 2019

According to IRS estimates, American business underpay their taxes by $125 billion each year and as a result of this evasion the government can be out for almost $400 billion annually. Tax evaders, as a result, are a hot ticket item for the IRS and the agency is constantly looking for ways to catch tax cheats. On today's show, Ralph discusses ways the IRS is looking to use social media platforms like Facebook, Instagram, and Twitter in its ongoing quest to catch tax cheats.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

Simple Strategies to Maxing out your 401K Jan 29, 2019

Millions of Americans contribute to employer-sponsored retirement plan each year without any real strategy and at the end of the day, when retirement rolls around, having a strategy could make a real difference. On today's show, Ralph discusses strategies for maxing out your 401(k) so that when you retire, you will be ready!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

New Years Resolutions for Business Success Jan 24, 2019

New Year, new you as the saying goes and for many small businesses, the new year means new resolutions. This mean means putting changes into place that continue throughout the next 12 months, not just for a few weeks in January. On today's show Ralph takes a look a some important resolutions for business to ensure success!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team or to schedule your tax preparation appointment, contact him at 302-659-6560 or go to www.askralph.com for more information!

Top Overlooked Tax Deductions (Part 3) Jan 22, 2019

Yes, tax reform eliminated or drew back a lot of popular write-offs. It is also true that many more people will now take the standard deduction instead of itemizing. But there are still plenty of hidden tax-saving opportunities to be found. On today's show, Ralph completes his discussion on the top overlooked tax deductions for filers with a talk on refinancing mortgage points, state taxes and other income types like jury pay for recording on filings.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Top Overlooked Tax Deductions (Part 2) Jan 17, 2019

Yes, tax reform eliminated or drew back a lot of popular write-offs. It is also true that many more people will now take the standard deduction instead of itemizing. But there are still plenty of hidden tax-saving opportunities to be found. On today's show, Ralph continues his discussion on the top overlooked tax deductions for filers with a talk on moving expenses, child and dependent care and the EITC (Earned Income Tax Credit).

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Top Overlooked Tax Deductions (Part 1) Jan 15, 2019

Yes, tax reform eliminated or drew back a lot of popular write-offs. It is also true that many more people will now take the standard deduction instead of itemizing. But there are still plenty of hidden tax-saving opportunities to be found. On today's show, Ralph begins his discussion on the top overlooked tax deductions for filers with a talk on sales tax, dividends from reinvestment, charitable expenses and student loan interest.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

10 Ways to Prepare for Tax Season Jan 12, 2019

A special bonus for our listeners is the full radio broadcast of our Saturday, January 12th, 2019 show! Ralph discusses the top tens ways to prepare for tax season as the filing season preparations surge forward.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

When You Can't Pay Your Taxes Jan 10, 2019

If you find yourself with a tax bill instead of a refund, it is imperative that you take it seriously and do not push those anxieties to the side. Failure to pay can damage your credit score, cost you interest and additional penalties and, in extreme cases, lead to criminal prosecution. On today's show, Ralph talks tax payments when you the taxpayer cannot pay the bill and the various options available for when/if this situation arises.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

When to Hire A Tax Professional Jan 08, 2019

Tax season is coming! If you and your family are staring at a pile of unfamiliar forms that have you scratching your head, then it is most likely time to call in a professional. On today's show, Ralph discusses when and when not to call in a tax professional for your tax preparation.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Recovering Financially From the Holidays Jan 03, 2019

Are you feeling worse for wear as a result of holiday overspending in 2018? You are not alone. On today's show, Ralph reviews how to review, revise and assess your finances after a busy season of gift giving!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Check Your Withholding Dec 27, 2018

The IRS has been warning filers all year to ensure they are withholding enough tax from their pay in order to avoid a surprise tax bill in 2019. On today's show, Ralph discusses how taxpayers can check their withholding status and year to date amounts and tips for making sure there no surprises at tax filing time!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Taxpayer Advocate Service Dec 25, 2018

One of the most dreaded actions taxpayers have to engage in occasionally if to try and get on the line with the IRS regarding a tax problem. From hours long wait times, complicated instructions and overwhelmingly complicated terms and jargon to understand, the task is painful. Fortunately, the IRS has a process to help make resolving tax disputes with them easier and on today's shows, Ralph outlines how to gain assistance from the IRS Taxpayer Advocacy Service and the benefits open to taxpayers when faced with tax issues.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Taxpayer Bill of Rights Dec 20, 2018

On today's show, Ralph reviews and simplifies the complexity of the taxpayer bill of rights which include the right to be informed, receive quality services and to pay no more than the correct amount of tax.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Year-End Tax Planning for Small Businesses Dec 18, 2018

If you are a small business owner, Tax Day has a wholly different connotation than it does for most of America. While most working Americans, are excitedly anticipating the receipt of a big refund check, small business owners dread the annual scramble to gather their K1s, compile deductions, and sort through receipts. On today's show, Ralph reviews year end tax planning strategies for small business owners to get ready for the filing deadline.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

IRS Offer in Compromise Dec 13, 2018

Though the majority of Americans wind up getting a refund on their taxes, there are also those who end up owing money to the IRS once their returns are completed. If you are staring at a tax bill you know you ca not pay, do not panic. On today's show, Ralph discusses tax payment options like "offer in compromise" and installment plans for making that tax debt more manageable.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Upcoming New Year? Get Organized! Dec 11, 2018

The new year is rapidly approaching and getting organized early can save you hours of hassles when it comes time to do your taxes or evaluate your finances. On today's show, Ralph discusses six ideas for how to get financially organized before year end!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Franchising Success: Before You Sign Dec 06, 2018

The franchise agreement is the legal agreement that creates a franchise relationship between a franchisor and a franchisee. As a franchisee or prospective franchisee, the franchise agreement is the most critical document to your franchise investment. If you are promised something from a franchisor and you are relying on this promise, it must be contained in the franchise agreement or an amendment to the franchise agreement. On today's show, Ralph concludes our Franchising Success Series with a discussion on everything you need to know before you sign on the dotted line of a franchise agreement.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Franchising Success: Disclosure Docs (Part 3) Dec 05, 2018

To ensure that franchises are giving prospective franchisees the proper amount of information needed to make an educated decision, the agency mandates that a Franchise Disclosure Document (FDD) be provided to the prospective franchisee. On today's show, Ralph finishes his discussion of the Franchise Disclosure Document.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Franchising Success: Disclosure Docs (Part 2) Dec 04, 2018

The FTC requires every franchisor to provide a franchise candidate an FDD which includes 23 Items and exhibits, including the franchisor financials and franchise agreement. The intent of disclosing this information is to enable the prospect to make an informed decision. Although each item is important, some are more important than others. On today's show, Ralph reviews the important parts of the Franchise Disclosure Document (FDD) to help you make a smart decision.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Franchising Success: FDD and Me Nov 29, 2018

Franchising has been and from time to time can be, a shady business. In the past, due to a lack of protections and regulations regarding franchising, distrustful individuals have made use of franchising to run scams. As a result, the FTC requires the development and relay to all prospective franchise contributors of a Franchise Disclosure Document or FDD that provides buyers with validated information to assist in the decision to franchise. On today's show, Ralph discusses the ins and outs of the FDD and what prospective franchisers need to know!

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Franchising Success: Selecting a Franchise Nov 28, 2018

With scores of franchise systems operating in dozens of industries, there is no shortage of choices for people interested in buying a franchise. At the same time, the numerous choices can make that decision a challenge for even the most determined would-be franchisee. On today's show, Ralph discusses the facts and figures to assist in deciding the best type of franchise for you!

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Franchising Success: Finding the Right Opportunity Nov 27, 2018

When considering any new investment, you (should) have a million questions, and getting started in franchising is no exception. What is the best industry? What is the best model? What are the start-up costs for franchises? How do I finance the investment? These are all fair and important questions to explore and on today's show, Ralph investigates the questions that prospective franchise owners should ask and know.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Franchising Success: Is it Right for You? Nov 22, 2018

When determining whether or not franchising is the right path to business ownership for you, there are things that must be consider.To continue our series on franchising, Ralph discusses how best to weigh the options when choosing a franchise or to franchise in general on today's show.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Franchising Success: Business Model Nov 21, 2018

On today's show, we continue our series on 'Franchising Success' with a detailed discussion from Ralph into what types of business models exist for franchisors and how best to pick the right model for you.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Franchising Success: The Costs Nov 20, 2018

Multiple mistakes can deter your path to success when venturing into the franchisor field, but with insight and hard work, those missteps can become stepping blocks to growth. On today's show, Ralph continues our series with a review of associated costs that can pop up from taking the step to franchisor.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Franchising Success: Pros & Cons Nov 15, 2018

According to the International Franchise Association, the total number of franchises in the America is approximately 800,000 as of 2016 and employ about 9.1 million people. Franchising is no small business and should be decided carefully. On today's show we continue our 'Franchising Success' series with a discussion from Ralph on the pros and cons to franchising.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Franchising Success: The Basics (Part 2) Nov 14, 2018

In part two of the basics of franchising as a part of our 'Franchising Success Series' that looks into the wonderful world of franchising, Ralph discusses ins and outs of beginning a franchise and how best to start on today's show!

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Franchising Success: The Basics Nov 13, 2018

Franchising is a wonderful option for people wishing to enter into business for themselves. While many people succeed, many also fail for reasons the in a lot of cases can be planned for and overcome. On today's show, Ralph outlines the basics of franchising in the first part of our "Franchising Success" series!

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Interview with Jodi Lynn Collins of Informed Touch Massage Therapy Nov 10, 2018

A special bonus for our listeners is the full interview with Jodi Lynn Collins, a licensed massage therapist practicing in northern Delaware to discuss her work and how she helps her patients. Jodi specializes in sports massage, injury treatment, pain management, and neuromuscular retraining. Whether you are seeking a single session, or you wish to create a plan for better posture, improved performance, or condition management, Jodi looks forward to working with you!

For more information or to book an appointment click here or call her at 302-229-8239, email her at jodi.l.collins@gmail.com and schedule today!

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You can also like us on Facebook, follow us on Twitter (@askralphmedia) or email us at askralph@askralphmedia.com.

What's the New AMT? Nov 08, 2018

In coordination with the recently passed tax reform laws rolled out by the Tax Cuts and Jobs Act, the alternative minimum tax or AMT has been revised! Good news for those taxpayers taken by AMT surprise. On today's show, Ralph outlines what the AMT is, how it works and what the updates mean for your tax bill come filing season.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Is Rent to Own Right for You? Nov 06, 2018

Rent to own deals look and feel a lot like regular home buying, but renter-to-owners need to know the facts when making these decision. On today's show, Ralph talks about the risks and rewards of being in a rent to own relationship as a buyer or seller.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Preparing for the Unexpected: Spouse Death Nov 01, 2018

Among the risks that married couples face in retirement, this one is unavoidable: unexpectedly becoming a widow or widower. On today's show, Ralph discusses the difficult but important concept of financial preparation for couples when tragedy strikes.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Renter's Insurance Basics Oct 30, 2018

On today's show, Ralph continues his insurance FAQ series with a segment on renter's insurance by outlining what it is, how it helps and why it is a good idea for new and veteran renters.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

What is An Umbrella Policy? Oct 25, 2018

On today's show, Ralph talks insurance, specifically umbrella policies both as the ultimate level of liability insurance but also as a fail-safe for your assets.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Basics of Homeowner's Insurance Oct 23, 2018

Are you looking to a home? On that gigantic to-do list, you should make sure to shop around for homeowner's insurance. On today's show, Ralph discusses the ins and outs of shopping around for homeowner's insurance.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Inherited IRAs by a Non-Spouse Oct 19, 2018

On today's show, Ralph discusses the need to know elements of inherited IRAs by non-spouses which can create opportunities for its recipients and risks come tax time.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Great Debate: Contractor vs. Employee Oct 16, 2018

Individuals who work for themselves are treated differently than employees, but the distinction is sometimes very hard to make. After the passage of the 2017 Tax Act and the possible benefits of contractor labor classification, the IRS will most likely be on the lookout for individuals switching their worker status. On today's show, Ralph outlines the differences between employees and contractors so that you can decipher and make the best decision possible.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Cancellation of Debt Triggers Income Oct 11, 2018

Owners, borrowers, and guarantors must consider tax implications when seeking debt relief, as many strategies may trigger cancelation of debt (commonly known as COD). On today's show, Ralph outlines what cancellation of debt means for your tax-time bottom line.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

The Risk in Using Free Charging Stations Oct 09, 2018

On today's show, Ralph discusses the dangers of using public USB charging stations and what you need to know to keep yourself and your data dafe.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

What is Step-Up Basis? Oct 04, 2018

A step-up in basis can be a very good thing at tax time. The term relates to capital gains tax and can save you considerable money should you ever decide to sell an asset or property that you've inherited. On today's show, Ralph gives the run-down on step-up basis to save you tax dollars come tax season.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

10 Car Insurance Terms to Know Oct 02, 2018

On today's show, Ralph talks car insurance and outlines the top ten terms to know. Learning these basic terms will better your bottom line!

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Interview with Chad Wood of Hannum's Harley-Davidson® Sep 15, 2018

A special bonus for our listeners is the full interview with Chad Wood, Business Manager of Hannum's Harley-Davidson® where he discusses with Ralph the ways in which the company is working to court new riders with tech and transparency initiatives, while still maintaining their core identity with their classic riders in this new era.

For more information about Hannum's Harley-Davidson® visit their website at www.hannumshd.com or stop by one of their 5 store locations in Media, Chadds Ford, Sellersville, Rahway and Electric City to take a test drive today!

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Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

How to Improve Your Credit Score Sep 04, 2018

It is clear that your credit score can always be improved; however, it is not clear how one can go about bettering their score. Tune in to today's show where Ralph discusses ways to improve a credit score.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

What Does Your Credit Report Show? Aug 30, 2018

The dreaded credit report. One document that can make or break your future finances. Everyone has one but do you know how to read one? Tune into today's show where Ralph walks you through what exactly the credit report shows and how to measure your financial future.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Sponsor Message: Haass Butcher Shop BBQ Brawl Aug 28, 2018

Join our show sponsor, Haass Family Butcher Shop, in Dover for their 6th Annual Haass Family Butcher Shop BBQ Brawl on September 14th & 15th, 2018. It is is one of Delaware's most anticipated annual events. Mark your calendars now!   The 2-day event kicks off Friday (September, 14th 2018). Enjoy an old fashioned lobster boil, local brews, and dance the night away with The Jimmy Cochran Band. All tickets available on Eventbrite ($30 per person) and include taxes and fees for dinner, music and fun!

  Then, join them again on Saturday (September, 15th 2018) where over 30 teams from across the country will compete for the prestigious Haass Championship Trophy! Saturdays Brawl is a free family-friendly event, open to the public. Enjoy live music, local ice cream, tantalizing BBQ and great camaraderie!

Visit Haass Family Butcher Shop on Facebook (@haassbutchershop) for more information.

Your Score Aug 28, 2018

In today's world, you are defined by a number. A three digit number that illustrates the type of person you are in the eyes of businesses and lenders alike. This number is your credit score. Tune in to today's episode where Ralph discusses the ins and outs of the credit score.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Basics of Building Credit Aug 23, 2018

Check out today's episode where Ralph discusses the basics of building credit in a continuation of our credit how to series!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

How to Build Credit: Part 4 Aug 21, 2018

On today's show, Ralph continues our series on credit basics for part FOUR to discusses how to build your credit back up and establish a strong credit history.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Interview with Jordan Irazabal of The Delaware 3000 Project Aug 18, 2018

A special bonus for our listeners is the full interview of Jordan Irazabal of TheDelaware3000.org who is on a mission to photo document active Delaware tag numbers 1-1000, C1-C1000 and PC1-PC1000.

Like the project and follow Jordan's progress on Instagram and Facebook (@thedelaware3000) or visit his website at http://www.thedelaware3000.org for more information.

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Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

How to Build Credit: Part 3 Aug 16, 2018

Good credit can save thousands of dollars in interest in everything from credit cards, to a mortgage loans. For many people, establishing or rebuilding bad credit is nothing short of a mystery. On today's show, Ralph continues our series on credit basics for part three to discusses how to build your credit back up.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

How to Build Credit: Part 2 Aug 14, 2018

Scared off by the high interest rates, many adults are choosing to avoid credit cards and the risks they present to anyone who carries a balance. But not using credit at all comes with its own risks. Lenders use credit history when deciding whether to give you a loan. No credit history, makes the possibility of gaining financing very difficult. Tune in to today's episode where Ralph discusses the steps to take to build your credit score in part two of our series on credit basics.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

How to Build Credit: Part 1 Aug 09, 2018

Taking care of your credit history, takes case of you. Building credit can be a challenging task. The most challenging part is knowing how to start. Tune into today's episode where Ralph discusses the steps to take to build your credit score in part one of our Credit Basics series.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Credit Basics: How to Qualify Aug 07, 2018

Anyone who ever wants to finance a car, a house, take out a loan, open a store card , etc. must participate in the credit olympics. Just like the widely celebrated competition, you must qualify to compete. Tune into today's show where Ralph discusses the different ways in which one can increase their ability to meet the qualifications lenders look for and get perfect scores.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

The 5 C's of Credit Aug 02, 2018

In today's world the number one question you need to ask and answer is am I worthy of credit? There are five categories that need to be accessed to determine the answer. Tune in to today's show where Ralph will discuss the five C's of credit analysis and provide insight on just what each one entails and how you can make them work for you and your bottom line.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

7 Mortgage Myths Jul 31, 2018

Owning a house has always been a part of the American Dream. How quickly that dream can turn into a nightmare when the mortgage payments begin to be paid. Tune in to today's episode where Ralph discusses the seven mortgage myths that should be considered before you buy.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Robocalls: Automated Telephone Scams Jul 26, 2018

Over 16.3 million robocalls have been made this year to date. We all receive these nuisance calls but what exactly is the reason why and how do we stop them? Tune in to today's episode where Ralph provides insight on Robo calls the new telephone scam.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

How to Handle IRS Audit Notice Jul 24, 2018

You go to the mailbox and collect the mail. While sorting through the bills and junk mail, your heart stops... you have received a notice from the IRS saying you are being audited. Before you panic, tune in to today's show where Ralph will help you through the process of an audit and how to handle it correctly.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

C Corp or Pass Through...What to Do? Jul 19, 2018

The math has changed on entity choice under the new tax code effective in 2018 for businesses. The spread between corporate rates and the individual rates that apply to pass throughs has widened dramatically. Many business owners taxed as pass throughs are wondering if now is the time to switch to C corporation status. On today's show, Ralph outlines whether or not to change your entity type post-new tax code.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

6 Phrases to Avoid During an Interview Jul 17, 2018

Today is the day! You have the interview of a lifetime ahead of you for your dream position. You are dressed for the part, you have the smile, you even have the confident strut down, but can you talk the interview talk? Tune in to today's show where Ralph highlights six phrases you should avoid during an interview.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Avoiding a Tax Surprise in 2019 Jul 12, 2018

It is 2018 and everyone is on the keto diet, lacto vegetarian, and putting avocado on EVERYTHING! These new fads are not the only things changing this year. Tax year 2018 brings changes to both individuals and business filers. Tune into today's show, where Ralph will take you through the steps to avoid a tax surprise in the upcoming year.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a mid-year tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Don't Worry, Be a Happy Timeshare Owner Jul 10, 2018

When playing the game of timeshares, you have 50/50 odds on winning/losing. Purchasing one could open you up to a world of vacation and adventure or a financial black hole. The question is... are you feeling lucky? Strengthen your odds by tuning into today's show, as Ralph discusses how you can avoid the black hole and be a happy timeshare owner.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Supreme Court Wayfair Sales Tax Case Explained Jul 05, 2018

Late last month, the U.S. Supreme Court decided the historic Wayfair case, which will have cascading consequences for the online retail and e-commerce industries and ultimately effect everyone that shops online. The issue that was up for deciding was whether online retailers have to collect sales (or use) tax for online purchases. We all know how this works when shopping "off line" because there is a sales receipt wherein state and possibly local sales tax is added to your bill, collected by the shop, and eventually paid over to the State or local entity. For a long time, though, depending on where you did your online shopping (and where that retailer was located), you may not have seen that same sales tax line on your receipt. On today's show, Ralph breaks down the Wayfair decision and how it will effect online e-commerce businesses and their customers.

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To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

10 FASFA Tips Jul 03, 2018

The government has been your "lunch room bully" for years, pushing you around for all you got in the name of taxes and government spending. Now it's time for you to go to college and for the government to pay you back. On today's show, Ralph discusses tips on getting the most out of FASFA that will help you turn that bully upside down and shake it till every penny comes out of its pockets and into your education.

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To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Education Series: 529 Plans Jun 29, 2018

Everyone likes the idea of a promised future. The recent development of the 529 plan allows for proactive parents and grandparents the opportunity to deliver that promise to their children and grandchildren. On today’s show, Ralph will discuss everything there is to know about the 529 plan, all it offers, and learn how one can start building a future for one’s kids.

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To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Education Series: Federal Grant Programs Jun 27, 2018

Grants can be considered the Oprah Winfrey of education financing because as long as you apply and qualify, you have a chance at free money. On today’s show, Ralph discusses grant programs and what you need to know and how you can qualify.

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To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Education Series: Grants and Scholarships Jun 25, 2018

Now that you have been accepted to a college, you need to start making plans on how to pay that tuition bills. On today’s show, Ralph discusses the various grant and scholarship options available to students seeking higher education.

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To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Choosing the Right FAFSA for You Jun 22, 2018

It is official, you are going to college! FASFA has done the calculations and the federal government says that you qualify for assistance! Before the bags are packed and family says goodbye, there is still one last step to complete, accepting the right type of financial aid. Be careful, choose the wrong one and you may pay for it well into your golden years. On today’s show, Ralph guides you through the various FAFSA options available, discussing the qualifications, requirements and terms for each type to assist in making the best decision for short and long term.

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To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Education Series: Private Student Loans Jun 20, 2018

We continue our education series this week with private student loans! On today’s show, Ralph talks about what to watch out for when going the private student loan route for your higher education needs.

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To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Education Series: Federal Student Loans Jun 18, 2018

Despite the fact that more than 44 million Americans have student loans and their debt now totals $1.4 trillion, many people remain unclear as to how, exactly, those loans work. On today’s show, Ralph outlines federal student loans as an option for those in need of tuition assistance.

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Grants, Private and Federal Student Loans...Oh My Jun 15, 2018

Paying for education can be quite the journey, one that offers various paths that can be taken. However, if one chooses the wrong path, the destination can easily become one of great financial burden. Let Ralph be your guide as he discusses in today's show, the ins and outs of federal versus private loans, shedding light on all they offer, obstacles you may face, and aspects you should avoid.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Education Series: Tax Deductions Jun 13, 2018

While tuition costs are high and increases seem inevitable, there are ways to alleviate the financial burden. The IRS currently offers a number of incentives that can help you recoup some cash at tax time. Tax credits, as previously discussed, are directly reduce the amount of tax you owe, while a deduction reduces the amount of income on which your tax is calculated. On today’s show, Ralph talks about education expenses like tuition, student loan interest, supplies and others that you can use at tax filing to reduce your overall tax bill.

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To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Education Series: Tax Credits Jun 11, 2018

It is graduation season for many young Americans across the country. Once the diplomas have been handed out, the next step is higher education. For many of those wishing to attend college, high tuition expenses are a tough consideration. Many graduates leave with thousands of dollars in student loan debt, burdening them right out of school. It is for that reason, that many are hesitant to take the leap. On today’s show, Ralph outlines the tax credit side of education expenses for those just starting their collegiate careers out of high school and those continuing their education and trainings.

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To schedule a tax consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Mortgage Financing with Jason Bochniak of Keystone Funding Jun 06, 2018

Our radio broadcast on June 2nd, 2018 featured a full length interview with Jason Bochniak, a Business Development Officer at Keystone Funding to talk about the changes happening in mortgage financing. This discussion included rich insight for first-time and veteran home buyers outlining the steps to purchasing the home of your dreams and the regulatory changes taking place in the field. On this week's feature show, we wanted to release the entire interview for our listeners to enjoy.

For more information about Keystone Funding visit www.keystonefunding.com. To schedule a meeting with Jason, email him at JBochniak@keystonefunding.com or call his office at (302) 508-6134.

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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Should I Outsource Payroll? Jun 01, 2018

What do you actually gain from outsourcing payroll? Is it worth all the time and effort just to investigate and identify appropriate outsourced service providers? Then there is the work involved to transition the function outside to the third party service. Do the benefits of outsourcing outweigh that effort? On today’s show, Ralph examines the prospect of outsourcing payroll by reviewing the gains and losses for businesses owners.

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To schedule a consultation about payroll outsourcing with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!

Consequences of Failing to Pay Payroll Taxes May 30, 2018

On today’s show, Ralph review why it is very important to process payroll taxes properly and submit tax payments in a timely manner. A must for all small business owner!

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Payroll Tax Problems to Avoid May 28, 2018

On today’s show, Ralph talks review common troublesome areas in payroll tax filings and payments to be sure to avoid when doing yourself.

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Common Payroll Issues May 25, 2018

Compiling payroll can be a headache, regardless of how big your business. Constant changes in state and federal tax and employment law make paying employees and filing taxes complicated and time-consuming. On today’s show, Ralph talks about common payroll problems, easy-to-miss errors and costly issues arising from payroll processing.

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Payroll Basics for Employers May 23, 2018

A big issue for many new business owners when hiring their first employee is what exactly is required to process payroll and get their people paid. On today’s show, Ralph outlines the basics of setting up in-house payroll for your business. From pay period scheduling and withholding calculations, to garnishments and deductions, we help simplify the complex.

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Legality of Cryptocurrency May 21, 2018

Cryptocurrency week comes to a close on Ask Ralph with a final discussion in part four of our series. Very few countries have gone as far as to declare any virtual currency illegal. That does not; however, mean that many of the well know virtual currencies are in fact "legal tender". On today’s show, Ralph talks about the legal issues surrounding virtual currencies like Bitcoin and the like.

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Taxing Cryptocurrency May 21, 2018

Cryptocurrency week continues on Ask Ralph with a discussion on the crypto-marketplace and part three of our series. On today’s show, Ralph discusses the tax liabilities and growing regulatory concerning on this new digital currency.

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Making Your Crypto-Wallet Work May 16, 2018

Cryptocurrency week continues on Ask Ralph with a discussion on the crypto-marketplace and part two of our series. Many of digital assets have reached own record high rates. On today’s show, Ralph reviews hows to access, secure, buy, sell and capitalize on the digital currency marketplace.

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What is Cryptocurrency? May 14, 2018

It is Cryptocurrency Week at Ask Ralph! Each show will feature an aspect of the mysterious beast that is digital money by diving into where it came from, how it is used and why exactly do we all keep hearing about it. On today’s show, Ralph reviews the history of cryptocurrencies and defines key terms to help better understand this new phenomenon.

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Ways to Secure Your Retirement May 11, 2018

Enjoying a comfortable retirement begins with having a strategic plan for saving and investing. Part of that means being sensitive to certain financial pitfalls that can derail your long-term goals and shrink your nest egg in the process. On today’s show, Ralph outlines five tried and true ways to get the retirement you want while managing the life you have currently.

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Get Moving on Your Extension May 09, 2018

Maybe you filed a tax extension back in April because you were missing some of the paperwork, needed more time due to complications, or simply procrastinated. Regardless of the reason, you filed an extension and now have an additional six months to file. On today’s show, Ralph outlines reasons for finishing up your return filing sooner rather than later for those on extension.

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The Great Debate: Traditional VS. Roth IRA May 07, 2018

There are dramatic differences between traditional and Roth individual retirement accounts (IRA) and what you do not understand about the particular rules that apply to them can cost you. On today’s show, Ralph discusses the differences between these two very different retirement plan contribution accounts and the applicable tax regulations.

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How Not to Owe at Tax Time May 04, 2018

Are you wondering why you owed so much in taxes this year? Want to make sure you never owe a big tax bill or any bill at all – when you file your income taxes? On today’s show, Ralph outlines what steps you need to take throughout the year to make sure your tax bill is paid before your file.

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Factors Affecting Social Security May 02, 2018

The importance of Social Security for retired Americans simply can not be overstated. Further, understanding what you will be paid from Social Security and what factors can effect that payout are equally important. On today’s show, Ralph discuss the various factors that may affect your Social Security payout.

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401(k) Features to Know and Love Apr 30, 2018

On today’s show, Ralph discusses features and benefits to contributing to 401(k)s for those staring early and those starting late.

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Should I Retire? Apr 28, 2018

Retirement is about the alignment of two things: money and values. When deciding if you should retire, that means you have to know if you can afford to - and you have to know what retirement means to you. On today’s show, Ralph talks about retirement and helps answer the questions surrounding the major life change.

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Are Social Security Benefits Taxable? Apr 25, 2018

Many Americans do not know that depending on your income, you could have to pay your federal income tax rate on up to 85% of your Social Security benefits. On today’s show, Ralph reviews the tax regulations regarding Social Security and applicable income limits so that you are not blind sided come filing season.

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Lame Excuses for Non/Late Filers Apr 23, 2018

Did your forget to file your taxes? Were you too busy to submit your return? Was tax filing just too confusing? On today’s show, Ralph talks lame excuses for filing late and not filing and whether that excuse holds any weight with the IRS.

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IRS Red Flags to Know Apr 20, 2018

So you have filed your 2017 tax return, or filed an extension, and may have one nagging question: Am I going to be audited by the IRS?For most people, even the prospect of an IRS tax audit can raise your blood pressure. On today's show, Ralph review 12 of the top IRS red flags that could trigger an audit.

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What To Do When Your Returns Have Been Botched Apr 19, 2018

To err is human, but to err on your tax return can be a complete disaster. If you did your own taxes, of course, you may have only yourself to blame. But if you think your tax preparer made a mistake on your return, there are steps to take. On today’s show, Ralph discusses what you can do if your tax preparer botches your tax return filing.

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How to File an Extension Apr 16, 2018

Tax day is dreaded by millions of Americans, and some people have such a hard time coming to grips with filing for taxes that they file extensions to prolong the inevitable. April 17th is the deadline for most taxpayers to file an extension and to pay any taxes owed to avoid penalty and interest charges. On today’s show, Ralph discusses how to file an extension before it is too late.

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How to File for Social Security Benefits Apr 13, 2018

The discussions surrounding Social Security filing seems to always center around when to file and how best to strategize your claims; however, many do not know the actual process to file when you decide to file. On today’s show, Ralph outlines the entire process for filing for Social Security benefits and gives tips for navigating the filing procedures.

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Cost Basis FAQs Apr 11, 2018

Selling an investment can have tax consequences. To figure out whether you need to report a gain or can claim a loss-after selling, you need to know the cost basis for that investment. On today’s show, Ralph outlines everything you need to know when computing your cost basis this tax season.

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Review Your W2 Form Apr 09, 2018

Every direct employee of a company receives a W-2 form in January. The W-2 is the base document that defines your tax obligations, so it is important that you review and understand yours. On today’s show, Ralph reviews how to review your W2 form and update your withholding status each paycheck.

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IRS Penalties to Avoid Apr 07, 2018

On today’s show, Ralph review some of the most common penalties associated with IRS filings as we come closer to the end of filing season on April 17th.

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Why Aren't Americans Saving for Retirement? Apr 04, 2018

When it comes to saving for retirement, most American workers are not only falling short, they don not even know how behind they are. What is more disturbing, research shows that savings trends are getting worse, despite a decades-long push to enroll workers in 401(k)s and other employer plans. On today's show, Ralph tackles why more Americans are not saving for their retirement.

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Tax Benefits of Parenthood Apr 02, 2018

Congratulations! You have just been handed your first little bundle of joy in the are about to embark on the long journey of parenthood. It will be full of joyful experiences that make the corresponding aggravations worthwhile, and it comes with many benefits — some of which are tax-related. On today's show, Ralph outlines the benefits of parenthood from a tax filing standpoint.

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Elimination of Misc. Itemized Deductions Mar 30, 2018

The Federal tax reform passed in December has created changes to the tax rate and bracket structure, with an elimination of personal exemptions and certain itemized deductions. The changes were implemented for 2018, and will affect filing in spring 2019. That does not mean it is too early to start thinking about what this means for taxpayers. On today's show, Ralph reviews the various changes and effects to deductions set to take effect in the coming filing seasons.

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15 Q's & A's for Tax Season Mar 28, 2018

On today's show, Ralph discusses 15 relevant and burning tax season questions to get the answers to before April 17th.

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Watch Out for Tax Frauds Mar 26, 2018

In your rush to file your taxes this year, do not forget to watch out for fraudulent tax preparers. Crooked tax preparers will lure you with the promise of big refunds and easy fixes. Beware that you will be on the hook to pay more money when the IRS catches on to the fact that your return is botched. On today's show, Ralph discusses signs to help you spot a fraudulent tax preparer and keep yourself safe.

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Signs That You Shouldn't Do Your Own Taxes Mar 23, 2018

Paying taxes is painful enough. We understand why forking over even more of your hard-earned money to pay someone to prepare your tax return would seem out of the question? If your tax situation is straightforward, a professional preparer is not needed. But for some taxpayers, it is worth spending the money to get professional help. On today's show, Ralph outlines signs for knowing when to hire a tax expert.

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Read the full article by Wendy Connick at https://www.fool.com/taxes/2018/02/04/4-signs-you-shouldnt-do-your-own-tax-return.aspx

5 Things To Do Before Tax Day (for Small Business Owners) Mar 21, 2018

If you’re a small business owner, Tax Day (April 17th) has a wholly different connotation than it does for most of America. While most working Americans, are excitedly anticipating the receipt of a big refund check, small business owners dread the annual scramble to gather their K1s, compile deductions, and sort through receipts. On today's show, Ralph reviews five things small business owner should do to get ready for the filing deadline.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

Read the full article by Alex Chriss at https://www.inc.com/alex-chriss/tax-countdown-5-things-small-business-owners-must-do-before-april-17.html

How Long to Keep Tax Records? Mar 19, 2018

If you think your tax work is done once you file your return, think again. Now you need to file your tax records. Keeping your tax returns and the documents you used to complete them obviously is critical in case you are ever audited. Good record-keeping also could help if you need to file an amended return because you discovered a mistake or learned of a tax break you should have claimed. On today's show, Ralph reviews how long you need to keep tax records.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

Radio Broadcast Mar 16, 2018

Check out this Saturday's radio broadcast at 8:00AM on WILM 1450 (https://wilm.iheart.com/) in Wilmington, WDOV 1410 (https://wdov.iheart.com/) in Dover and live on iHeart Radio. On this week's show, Ralph speaks about how long you should keep tax documents, lays out four reasons you shouldn't do your own taxes and lists out must-dos for small business owners before April 17th.

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You can also like us on Facebook, follow us on Twitter (@askralphmedia) or email us at askralph@askralphmedia.com.

Ways to Invite an IRS Audit Mar 16, 2018

An IRS tax audit stands out as one of those events in life that people typically want to avoid. No one wants to sit through a meeting with the IRS and be told that they owe more money in taxes. However, you may be making mistakes when you file taxes that will inevitably lead to the singling out your return for scrutiny. On today's show, Ralph outlines everything you need to avoid when filing your return that could lead to an audit.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

New Year, New Code, New W-4 Form to Update Mar 14, 2018

As many of us file and complete our returns this tax season, keep in mind that the changes as a result of tax reform largely go into effect next year, when you're filing your 2018 tax return in 2019. What you will see this year are changes to your paycheck — since the IRS has updated the income withholding tables to reflect the changes in the tax bill. This also means that every employee should review the new 2018 IRS W-4 form released recently and update as needed to make sure you are withholding the right amount under the new legislation. On today's show, Ralph reviews the changes to the most recent version of the IRS W-4 form and outlines how to do a "paycheck checkup" to make sure you are not blindsided next filing season.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

For more information and to download the new 2018 IRS W-4 form, visit https://www.irs.gov/pub/irs-pdf/fw4.pdf.

To complete the IRS withholding calculator visit https://apps.irs.gov/app/withholdingcalculator/

Top Fake Tax Tips to Know Mar 12, 2018

It’s that time of the year again. The time when Tax Day is fast approaching and you start hearing conflicting things from friends and family about what is—and what is not—okay when filing your taxes. There is a lot of misinformation out there about various deductions, loopholes, and write-offs that can get you into trouble. On today's show, Ralph discusses some common uninformed and false tax tips to save you from ending up on the IRS' radar.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

Read Tina Orem's article entitled, " 5 Pieces of Popular Tax Advice That Are Actually Baloney" originally posted on NerdWallet on February 22, 2017 (https://www.nerdwallet.com/blog/taxes/bad-tax-advice/) for more information.

Claiming Social Security at Age 70 Mar 09, 2018

Nearly 62 million people rely on Social Security benefits each month, making it arguably America's most important social program. Of these beneficiaries, more than three out of five are reliant on the program to provide at least half of their monthly income. Yet for as important as Social Security is for the nation's retired workforce, knowledge surrounding Social Security is lacking. On today's show, Ralph discusses social security and when is the best time to claim.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

Often-Missed Tax Deductions Mar 08, 2018

The recent tax overhaul is taking away some tax breaks and keeping many others. Some deductions will only be available for the 2017 tax year, while others-although available, might not be worth using anymore after this year due to the significant increase in the standard deduction, which will make itemizing unnecessary for many millions of taxpayers. On today's show, Ralph overviews the most commonly missed tax deductions by self-filers and even some paid-preparers.

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To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

5 Tax Mistakes to Avoid Mar 06, 2018

The U.S. tax code is nearly 4 million words. That is a lot of complicated tax jargon. However, even though the rules are complex, most of the mistakes taxpayers make on their returns are fairly simple. Read on to see if your making one of these 10 common mistakes on your tax return. On today's show, Ralph review the top five common mistakes made when filing your tax returns.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

Identity Theft Protection Tips Mar 02, 2018

Identity theft is a crime that is estimated to affect over 9 million Americans per year, with levels on the rise. When an identity thief gets his (or her) hands on your personal information, they gain the power to wreak havoc on your finances, credit and reputation. The bad news is that you cannot protect yourself 100% from identity theft. The good news is you can greatly reduce your risk by acting quickly when your personal information has been compromised. On today's show, Ralph reviews 12 steps to keep your identity safe!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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To schedule a new business consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

Big Tax Bill Payment Options Feb 28, 2018

Though the majority of Americans wind up getting a refund on their taxes, there are also those who end up owing money to the IRS once their returns are completed. If you are staring at a tax bill you know you ca not pay, do not panic. On today's show, Ralph discusses tax payment options like "offer in compromise" and installment plans for making that tax debt more manageable.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Need tax advice specific to you? To schedule a consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

Financials Tips for Wo(Men) Feb 26, 2018

On today's show, Ralph speaks about common financial mistakes professional women make and tips for making the best financial decisions. Let us be clear: Not all women make these mistakes. Not all men avoid them. But common questions posed to Ralph's firm and other fields denote that there are a few female financial problem areas that can lead to major debt and lots of stress. The Ask Ralph team wants to keep you informed and in the know to make the best decisions possible.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a new consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

2017 Tax Code Update Feb 21, 2018

Deep inside the incredibly large 654-page bipartisan budget bill recently signed into law by Congress are little-noticed extensions of key tax-code benefits that expired in 2016, but now can be used for upcoming 2017 tax filings. If you have already filed your tax returns, you may want to take a listen and file an amended return to ensure you did not leave anything on the table. On today's show, Ralph reviews all of the changes to the tax code that are relevant to this current 2017 tax filing season and going forward.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a new business consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

Mail Bag Part Three: Common Tax Questions Feb 19, 2018

At the Ask Ralph podcast, we can tell a lot about what is on our listeners' minds by looking into the mailbag, and it is no surprise right now that the big topic is taxes. The W-2s are rolling in, people are beginning to anticipate their tax refunds, and they are also beginning to stress about the process for getting them filed. On today's show, Ralph continues answering all your tax questions in part three of our mail bag series!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a new business consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

QuickBooks Online and Your Small Business with Mike Potter Feb 16, 2018

QuickBooks Online is becoming a staple for the small business owner seeking to manage their accounting and bookkeeping. It can easily cater to the needs of small businesses and as well as major enterprises. Small companies find that its interface is easy to master, bank accounts sync automatically to a single dashboard and allows users to view and generate reports with a single click. On today's show, Ralph sits down with Mike Potter of Intuit to discuss their newest accounting and financial management software for business, QuickBooks Online.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

For more information about QuickBooks Online and other products offered by Intuit, visit https://quickbooks.intuit.com/online/ . You can try it for free for 30 days!

Mail Bag Part Two: Common Tax Questions Feb 14, 2018

Taking a look at your 1099s/W2s and realizing you will need more time to file your taxes this year? Confused whether or not you are in a new bracket after Congress passed the new tax law? We’re here to help. To find out what people’s most burning questions about taxes are, we have asked listeners to submit their tax questions directly to the Ask Ralph team in time for filing season. On today's show, Ralph answers all your tax questions in part two of our mail bag series!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a new business consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

Mail Bag Part One: Common Tax Questions Feb 12, 2018

Taxes can be confusing. We’re here to help. To find out what people’s most burning questions about taxes are, we have asked listeners to submit their tax questions directly to the Ask Ralph team in time for filing season. On today's show, Ralph answers all your questions from our listeners mail bag in part one of our listener question series!

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a new business consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

Technology Integration in Practice with Dr. Puja Balchandani Feb 09, 2018

Much like the digital camera in the field of photography, technology is changing dentistry as we know it, bringing immediacy, flexibility, and efficiency to dental practices. Furthermore with new technology, practices are experiencing greater productivity, better communications with patients, and a more satisfied staff. On today's show, Ralph speaks with Dr. Puja Balchandani of Christiana Pleasant Dental to talk about her customer-focused and technology-based business model and how it sets her practice apart from competitors.

For more information about Dr. Balchandani and Christiana Pleasant Dental, visit website at https://www.christianapleasantdental.com or give them a call to schedule a consultation at (302) 738-366.

Christiana Pleasant Dental is located at 72 Omega Drive, Bldg D, Newark, DE, 19713

Making the Jump into Small Business Feb 07, 2018

Though a majority of people are interested in running their own businesses, many have no idea how to begin. For a lot of people, the advice pro-startup leaders is to just “jump in, make mistakes, and learn”. Although appreciated, this advice does not provide enough specifics on how to start and what those mistakes made will cost. On today's show, Ralph examines the best steps to take when starting your own business to ensure a solid foundation for the future.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

To schedule a new business consultation with Ralph, contact him at 302-659-6560 or go to www.askralph.com for more information!

Ready, Set, File Your Tax Return Early Feb 05, 2018

Each year, the vast majority of taxpayers receive some sort of refund upon filing their tax returns, and 2018 will probably be no exception. With the fear of government shutdown looming, widespread tax fraud and identity theft on the rise there are more reasons to file early than not if you expect a refund. On today's show, Ralph discusses the reasons for why filing early this year may be to your benefit.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Integrity in Small Business with Ken Zajaczkowski Feb 02, 2018

Why is operating with integrity so vital for a business today? With the rise of technology, comes the rise of greater transparency and need for businesses to operate with honesty. Businesses failing to be transparent in their dealings with the public, or those that do not deliver on their promises to customers and clients, can find themselves ostracized with poor internet reviews and dried up market. On today’s show, Ralph sits down with owner of Stay True Plumbing to talk about his journey to owning his business and why it is important to "Stay True" to your values.

For more information on Stay True Plumbing, give them a call at (302-464-1198) or visit their website at http://staytrueplumbing.com.

Like them on Facebook at: www.facebook.com/staytrueplumbing

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Rental Property Tax Tips Jan 31, 2018

Owning property is a big part of the American dream for many taxpayers, and it seems the federal government is trying to reward such behavior. The U.S. tax code allows rental property owners take advantage of deductions not available to others. In fact, being able to take advantage of so many tax deductions is often what makes owning rental property a lucrative venture. On today’s show, Ralph discusses common tax deductions available to rental property owners.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Common Self-Filer Mistakes Jan 29, 2018

Tax preparation software is preventing more taxpayers from making mistakes on their annual tax returns. Unfortunately, just one entry error on your computer could end up costing you — in the form of a larger tax bill or a smaller refund. On today’s show, Ralph highlights common mistakes made by self-filers during tax season so you can be on alert.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Social Selling with Brooke Beers of The Horse Holster Jan 26, 2018

Branding, promotions, products, pricing, advertising, research and social media -- all of this is marketing. With all the marketing options out there, it can be difficult for small businesses to know what to do. Pair that with product development, bringing to market and you have just hit the trio of small business stressors. On today's show, Ralph sits down with Brooke Beers of The Horse Holster to discuss how she invented, developed, and utilizes social media to grow her business in today's market.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Follow Brooke and The Horse Holster on Instagram (@the_horse_holster) and Facebook (https://www.facebook.com/thehorseholster/)

Visit their website for more information at https://thehorseholster.com. Click here to find a dealer near you!

Estate Planning for Spouses Jan 24, 2018

A good plan means being ready for any life event — marriage, children and even death. For many couples, estate planning can be a very stressful and overall unpleasant task. Planning for tragedy can sometimes feel like testing fate. Nevertheless, estate planning is vitally important for families, ecspcially given the recent tax code overhaul that went into effect in 2018. On today's show, Ralph discusses marital estate planning so you can make sure everything is in order and your family is protected.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Fever Refund Pitch Jan 22, 2018

Many individuals who are looking for fast cash to pay outstanding holiday bills, unexpected car repairs and skyrocketing heating bills are being bombarded with advertising pitches for tax refund advances. Although expected to grow in popularity, the prefund refund option should be approached with suspicion and caution of the costs. On today's show, Ralph outlines the growth of tax refund advances and gives tips on what you need to know before taking one this tax season.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Annual Check-Up: Retirement Planning Jan 19, 2018

To avoid working all of your life and dreaming about retirement only to be disappointed when it arrives, you need to do more than just monitor the balance in your 401(k) plan. Taking time to check up on how your retirement savings are progressing and make sure you are still on track, or even better, adjust so you can improve your outlook. On today's show, Ralph discusses tips for keeping your 401(k) and other retirement savings healthy so you can stay happy.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Annual Check-Up: Small Business Jan 17, 2018

A small business checkup is similar to getting your car serviced. Often times we get caught up in the commute–the back and forth–and we do not take proper time to check under the hood and make sure everything is running properly. For small business owners, a regular checkup can prove vital in helping a business continue to grow and hit their goals. On today's show, Ralph discusses tips for small business owners going into the 2018 tax year to make sure your business stays in good shape.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Annual Check-Up Series: Personal Debt Jan 15, 2018

Every year, you get poked and prodded by your doctor to make sure you stay healthy. You should take similar care of your financial well-being with an annual checkup of essentials, such as your credit situation, retirement savings and life insurance. No needles or ice-cold stethoscopes required. On today's show, Ralph reviews personal debt and strategies to make the best out of your financial situation with our first episode of our annual check-up series.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Financial Resolutions for the New Year Jan 12, 2018

The New Year is a great time to overhaul your life for the better, and one excellent place to start is by making solid financial resolutions that can help get you closer to your money goals, whether it means increasing your retirement savings or setting funds aside for a down payment on a house. On today's show, Ralph lists some new year's resolutions to make and better your financial picture this year.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

10 Steps to Get Ready for Tax Preparation Jan 10, 2018

Tax season is rapidly approaching and it is important to do your homework before your the season begins. Getting organized early can save you hours of hassles when it comes time to do your taxes or hand them over to your accountant. On today's show, Ralph discusses ten steps to take to get ready for tax preparation.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

New Year, New Small Business Resolutions Jan 08, 2018

If you are a fan of setting individual goals for the new year, you must make sure not to forget about your business. Take the opportunity to examine your company’s financial health and look for ways to make improvements. On today's show, Ralph reviews resolutions to make for your business to help it stay in shape in 2018.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

6 Things Your Tax Preparer Doesn't Want You To Know Jan 05, 2018

Paying an expert to prepare your taxes is simple and makes a lot of sense, but finding the right person to prepare your taxes can be difficult. It is important to make sure you thoroughly understand your preparer's competence and experience so that you aren't leaving money on the table. On today's shows, Ralph discusses how to find the best and most qualified tax preparer this tax season.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

How Tax Reform will Affect Families Jan 03, 2018

Most Americans will get a tax cut this year under the plan Congress passed recently, but figuring out exactly how much your family will save is tricky. In fact, for many families circumstances can vary widely depending on factors like income, the number of children or where you live. On today's show, Ralph takes a look at how 8 different families will be affected by the newly passed tax bill set to take effect in the coming tax years.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

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Link to Article: https://www.bloomberg.com/news/articles/2017-12-20/how-the-tax-bill-will-affect-eight-american-families

Questions to Ask When Selecting a Tax Preparer Jan 01, 2018

With tax season just around the corner, now is the time to start thinking about not just when you will file your taxes, but how. In fact, you may be looking at hiring a professional to file your return on your behalf -- and if so, you wouldn't be alone. On today's show, Ralph reviews questions to ask when selecting a tax preparer this season.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Radio Broadcast: December 30th, 2017 Dec 30, 2017

Originally aired on Saturday, December 30th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show Ralph talks tax preparer dos and don'ts, questions to ask when choosing someone this tax season, and outlines how 8 different American families will be affected by the new tax reform bill. If you have any questions or ideas for future shows, please email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Advertisers:

For more information on Haass Family Butcher Shop, give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover (https://www.haassmeats.com/).

For more information on Sawyer Sanitation, give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service.

For more information on Saggio Accounting+Plus, visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.

Cash Flow and Community with Ron Price of Blue Earl Brewing Co. Dec 29, 2017

Cash flow is a key indicator of financial health and the life-blood of any small business. Equally important to having a solid cash flow is the relationship a small business has with its community. If you are running your business well, chances are your most avid supporters are the people buying your product or service, thus keeping your cash flow manageable. On today's show, Ralph speaks with Ron Price, founder of Blue Earl Brewing Company in Delaware about the importance of managing cash flow and building strong local relationships when growing your business.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Check out Blue Earl Brewing Company in Smyrna at 210 Artisan Drive, Smyrna DE 19977 for a tour or stop by the taproom "The Juke" and enjoy fine craft beers, delicious eats and amazing live entertainment. Visit their website for more information (https://www.blueearlbrewing.com/).

Part 2: Tax Code Changes for 2018 Dec 27, 2017

Moving expense deduction suspended, changes in employee fringe benefits, and all new tax brackets for individuals under the newly passed tax overhaul from Congress set to take effect starting in 2018 for many taxpayers. Lots of people asked us how the new law would affect them. On today's show, Ralph outlines more of the changes in the Tax Cuts & Jobs Act of 2018 and what it means for your returns going into the new year.

Submit your tax questions and Ralph will answer them on an upcoming show! Tweet us at @askralphmedia, send us a message on Facebook or email us at askralph@askralphmedia.com. Visit www.askralphmedia.com for more information.

Part 1: Tax Code Changes for 2018 Dec 25, 2017

Standard deductions doubled, mortgage interest and SALT caps, and a phase-out of itemization are just a few of the big changes for taxpayers in 2018. If you are struggling to figure out exactly how the tax overhaul will affect you, you've come to right place. On today's show, Ralph gives is an overview of the new provisions and what it means for your returns in the new year.

Submit your tax questions and Ralph will answer them on an upcoming show! Tweet us at @askralphmedia, send us a message on Facebook or email us at askralph@askralphmedia.com.

Women in Business: Interview with Hope Lopez Dec 24, 2017

Women are opening up new small business at a faster pace than men according to recent reports. But many still face higher hurdles for success than their male counterparts. On today's show, Ralph sits down with Hope Lopez of El Azteca Mexican Restaurants in Dover to discuss what it takes to successfully run a small business and the unique challenges female entrepreneurs face in today's economy.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Check out El Azteca Mexican Restaurant in Dover at 859 N. Dupont Highway, Dover DE 19901 or their newest location in Rehoboth at 20672 Coastal Hwy, Rehoboth Beach, DE 19971.

Visit their website for more information (http://www.aztecadelaware.com).

Link to Federal Reserve Report: https://www.newyorkfed.org/medialibrary/media/smallbusiness/2016/SBCS-Report-WomenOwnedFirms-2016.pdf

Radio Broadcast: December 23rd, 2017 Dec 23, 2017

Originally aired on Saturday, December 23rd, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show Ralph discusses the most recent tax code overhaul, reviews how it is going to affect you in the coming year, then speaks with the founder of Blue Earl Brewing Company and local brew master, Ron Price, about the importance of managing cash flow and building strong local relationships when growing your business.

Check out Blue Earl Brewing Company in Smyrna at 210 Artisan Drive, Smyrna DE 19977 for a tour or stop by the taproom "The Juke" and enjoy fine craft beers, delicious eats and amazing live entertainment. Visit their website for more information (www.blueearlbrewing.com).

Don't forget to check out the brewery's Big Earl Bottle Series and attend their 3rd Annual Christmas Party on Saturday, December 23rd from 5-11PM at "The Juke". For more information visit www.blueearlbrewing.com/copy-of-event-3-2

If you have any questions or ideas for future shows, please email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Advertisers:

For more information on Haass Family Butcher Shop, give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover (https://www.haassmeats.com/).

For more information on Sawyer Sanitation, give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service.

For more information on Saggio Accounting+Plus, visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.

Entrepreneurial Time Wasters Dec 21, 2017

Being a new entrepreneur is stressful, and that stress is compounded when you start realizing just how little time there is in a day. Your energy and creativity may feel limitless, but your time isn't. On today's show, Ralph discusses tips for making your workday more productive and efficient.

Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Link to article discussed in show: https://ohiocpa.com/utilities/displaynewsitem/2017/11/13/avoid-these-8-entrepreneurial-time-wasters

Retirement Saving: Roth IRA vs. 401k Dec 19, 2017

There are many decisions that we all must make about retirement. One of the most perplexing relates to the types of retirement account options available, and where we should put our money first. On today's show, Ralph clears the air on the 401k vs. Roth IRA debate so you can make the best financial decision possible for your retirement savings.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Small Business Outsourcing with Dr. Trevor Ennis Dec 18, 2017

For a startup or small business, any reduction in overhead lets you shift more revenue to operational growth, while simultaneously freeing up your time. Outsourcing can provide continuity, operational expense control and risk management. It can also improve your work/life balance. On today's show, Ralph sits down with Dr. Trevor Ennis of Middletown Chiropractic and Rehabilitation Center to discuss the benefits of outsourcing for businesses seeking to manage time and better patient/client care.

Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

For more information on Dr. Trevor Ennis, Middletown Chiropractic & Rehabilitation Center and their new location in Dover, visit their website at www.middletownchiropractors.com, or give them a call directly at (302) 415-3646 to schedule an appointment for a free x-ray and consultation today.

Radio Broadcast: December 16th, 2017 Dec 16, 2017

Originally aired on Saturday, December 16th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show Ralph reviews options for Roth IRA and 401K planning, lists some top time wasters for entrepreneurs and sits down with Hope Lopez, co-owner of El Azteca Mexican Restaurant in Dover to discuss being a female small business owner. If you have any questions or ideas for future shows, please email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Check out El Azteca Mexican Restaurant in Dover at 859 N. Dupont Highway, Dover DE 19901. Visit their website for more information (http://www.aztecadelaware.com). Don't forget to stop by their newest location in Rehoboth Beach, Delaware!

Advertisers:

For more information on Haass Family Butcher Shop, give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover (https://www.haassmeats.com/).

For more information on Sawyer Sanitation, give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service.

For more information on Saggio Accounting+Plus, visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.

Choosing Your Entity Type Dec 14, 2017

Of all the choices you make when starting a business, one of the most important is the type of legal structure you select for your company. Not only will this decision have an impact on how much you pay in taxes, it will affect the amount of paperwork your business is required to do, the personal liability you face and your ability to raise money. On today's show, Ralph discusses how to choose the right legal entity for your business and best fits your needs.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Holiday Scams to Avoid Dec 12, 2017

The holiday season is in full swing which also means scammers are out in full force. From gift card scams to "secret shopper" swindling, scam artists crank into high gear during the holiday season. Cybercriminals are stepping up their game to steal your money and personal information during the holidays. On today's show, Ralph discusses some holiday scams to be on the look out for this season so that your holiday can stay merry and bright.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Year End Tax Planning Dec 10, 2017

There is still uncertainty over when or if tax reform will be implemented; regardless, you may be able to save a bundle on your taxes if you make the right moves before the end of the year. On today's show Ralph outlines some end of the year tax planning strategies for reducing 2017 tax liability.

Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Radio Broadcast: December 9th, 2017 Dec 09, 2017

Originally aired on Saturday, December 9th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show, holiday scams to avoid, deciding on the type of entity for your new business and Ralph sits down with Dr. Trevor Ennis of Middletown Chiropractic & Rehab Center to discuss the benefits of outsourcing for businesses seeking to manage time and better patient/client care. If you have any questions or ideas for future shows, please email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

For more information on Dr. Trevor Ennis, Middletown Chiropractic & Rehabilitation Center and their new location in Dover, visit their website at www.middletownchiropractors.com, or give them a call directly at (302) 415-3646 to schedule an appointment for a free x-ray and consultation today.

Advertisers:

For more information on Haass Family Butcher Shop, give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover (https://www.haassmeats.com/).

For more information on Sawyer Sanitation, give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service.

For more information on Saggio Accounting+Plus, visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.

IRS Audit Myths Dec 07, 2017

An audit is arguably the most dreaded outcome of the tax filing process, and the situation carries with it some unsettling mystique. The standard nightmare has IRS agents with badges showing up on your doorstep and seizing the your personal assets. On today's show Ralph debunks common myths about IRS audits.

Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

For more information visit the IRS Audit FAQ

Protecting Yourself Online Dec 05, 2017

The internet has increased access to the global community, created a new online shopping economy and made sharing cat videos even easier. These innovations go hand-in-glove with intrusions from marketers and threats from criminals. On today's show, Ralph discusses steps to take control, protect yourself and keep your data safe. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

For more information on LastPass Password Manager, visit www.lastpasss.com or download the app!

For more information on Yubico security keys, visit www.yubico.com for a complete list of their products.

To download the Privacy Badger, go to https://www.eff.org/privacybadger and enable "DO NOT TRACK".

To test your browser, visit https://panopticlick.eff.org/ for Panopticlick 3.0 and confirm that your browser is safe against tracking.

Primary Care Options with Dr. Beth Renzulli Dec 03, 2017

Imagine unhurried office visits, same day or next day sick appointments, and direct contact with your doctor. Not a fantasy, but an option under direct primary care physicians (DPC). On today's show, Ralph sits down with Dr. Beth Renzulli of WELL Primary Care to discuss health coverage alternatives like DPC and the benefit to patients.

Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

For more information on direct primary care, visit the Well Primary Care website at http://wellprimarycare.com/faq.html, or give them a call directly at (302)449-0079 to schedule an appointment with Dr. Beth Renzulli.

Radio Broadcast: December 2nd, 2017 Dec 02, 2017

Originally aired on Saturday, December 2nd, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show, Ralph gives pointers for protecting yourself online, outlines some end of the year tax planning strategies, and debunks common IRS audit myths. If you have any questions or ideas for future shows, please email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Advertisers:

For more information on Haass Family Butcher Shop, give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover (https://www.haassmeats.com/).

For more information on Sawyer Sanitation, give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service.

For more information on Saggio Accounting+Plus, visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.

Feeling Charitable Nov 30, 2017

Throughout the year, many taxpayers contribute money or gifts to qualified organizations eligible for tax-deductible charitable contributions. However, the rules surrounding charitable donations can often be confusing. On today's show, Ralph discusses tips to help ensure your contribution pay off on your tax return this holiday season. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

For more information:

Search for Charities or download Publication 78, Cumulative List of Organizations
Publication 526, Charitable Contributions (PDF 178K)
Publication 561, Determining the Value of Donated Property (PDF 101K)
Form 1040, U.S. Individual Income Tax Return (PDF 176K)
Schedule A, Itemized Deductions (PDF)
Form 8283, Noncash Charitable Contributions (PDF)
Instructions for Form 8283, Noncash Charitable Contributions (PDF)

Low-Tech Tips for Success Nov 28, 2017

The first route many small businesses take when faced with problems is to look for the latest and greatest high-tech solution. Newer does not always mean better. Sometimes going the low-tech, even no-tech, route can wind up giving your business the edge it needs. On today's show, Ralph discusses 7 low-tech tips for small business owners seeking to make a greater and more personal impact with clients. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

For more information, read the entire article from USA Today here:

Abrams, Rhonda. (2017, November 08). 7 Low-Tech Success Secrets for Small Businesses. USA Today. Retrieved from https://www.usatoday.com/story/money/columnist/abrams/2017/11/08/7-low-tech-success-secrets-small-businesses/841974001/

Paying Your Bills Nov 26, 2017

If you are running a business, it does not matter whether you are an independent contractor, new start-up, or or established business owner, managing accounts payable is a key part of your everyday hassle. It’s tedious, it’s time-consuming, and it costs you money. On today's show, Ralph dives into everything you need to know to create an efficient and reliable AP system for your business.

Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Radio Broadcast: November 25th, 2017 Nov 25, 2017

Originally aired on Saturday, November 25th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show, Ralph discusses charitable giving for the tax-minded individual, speaks with Dr. Beth Renzulli of WELL Primary Care in Delaware about health coverage alternatives, and gets down to the basics with some low-tech tips for business owners. If you have any questions or ideas for future shows, please email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

For more information on direct primary care, visit the Well Primary Care website at http://wellprimarycare.com/faq.html, or give them a call directly at (302)449-0079 to schedule an appointment with Dr. Beth Renzulli.

Advertisers:

For more information on Haass Family Butcher Shop, give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover (https://www.haassmeats.com/).

For more information on Sawyer Sanitation, give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service.

For more information on Saggio Accounting+Plus, visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.

Top Five IRS Red Flags Nov 24, 2017

A tax audit is unlikely for most Americans, as fewer than 1% of tax returns are audited each year; however, there are some factors that could make your tax return more likely to attract the IRS's attention. On today's show Ralph shares his list of the top 5 most common red flags for return filing and gives some tips for future filing.

We want to hear from you! Do you have an idea for the show? Or have a year end tax question burning a whole in your brain? Or just want to shoot us some feedback on the show? If so, please let us know by emailing us at askralph@askralphmedia.com or tweet us at @askralphmedia.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Small Business Funding with Pango Financial Nov 22, 2017

Ralph sits down with Candice Caruso of Pango Financial to discuss some new and innovative funding options for small business owners and entrepreneurs. To learn more about Pango Financial's DreamSpark Plan, visit www.pangofinancial.com/dreamspark-funding-options/ or contact them directLY at 1-855-WHY-PANGO (1-855-949-7264).

If you have any questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Military Tax Breaks Nov 19, 2017

Life in the military can demand sacrifice: some personal, some financial. Although nothing can make up for the hardship, the government does offer some special tax breaks for military professional to alleviate some of that burden. Ralph discusses military tax tips on today's show. If you have any questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Radio Broadcast: November 18th, 2017 Nov 18, 2017

Originally aired on Saturday, November 18th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show Ralph talks IRS red flags, tips for paying your bills and interviews Candice Caruso with Pango Financial about alternative funding options for new businesses. If you have any questions or ideas for future shows, please email us at askralph@askralphmedia.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Advertisers:

For more information on Haass Family Butcher Shop, give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover (https://www.haassmeats.com/).

For more information on Sawyer Sanitation, give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service.

For more information on Saggio Accounting+Plus, visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.

Getting Paid Nov 16, 2017

One of the most important aspects of your small business is getting paid. On today's episode, Ralph outlines some steps to help manage and collect on you accounts receivable, ensure you have a steady cash flow and keep happy customers. If you have any questions or ideas for future shows, email us at askralph@askralph.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Small Business Tips Nov 14, 2017

Opening your own business is often a tough and learn-as-you-go process. But, the more smart decisions you make early on, the better chance your company has for success. On today's show, Ralph discusses five tips for small businesses to help you grow and run your business more effectively. If you have any questions or ideas for future shows, email us at askralph@askralph.com.

Like us on Facebook, follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Part 2: Listener Questions Nov 09, 2017

In part two of our FAQ series, Ralph answers more listener questions we received in time for our premiere week of shows. He discusses employer retirement plans, outlines the differences between employees and contractors, and when it is best to consult a professional tax preparer. If you have any questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralph.com.

Part 1: Listener Questions Nov 07, 2017

Ralph takes listener questions we received in time for our premiere week of shows. He discusses the best way to fill out a W4 form, implications of cashing out your retirement and what tax documents you need for the upcoming filing season. Look out for part two of our FAQ series this week! If you have any questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralph.com.

Radio Broadcast: November 4, 2017 Nov 04, 2017

Today's first show aired on Saturday, November 4th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show, the host Ralph V. Estep Jr. introduces himself and his business, discusses what you can expect in future episode and answers some FAQs we have received in time for our first broadcast. If you have any questions or ideas for future shows, please email us at askralph@askralph.com.

Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Advertisers:

For more information on Haass Family Butcher Shop, give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover (https://www.haassmeats.com/).

For more information on Sawyer Sanitation, give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service.

For more information on Saggio Accounting+Plus, visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.

About Ralph Nov 02, 2017

In this episode, the host of Ask Ralph, Ralph V. Estep Jr., introduces himself and his business, explains why he is doing a podcast and outlines what you can expect in future episodes.

For more information about Ralph and the Ask Ralph Media, Inc. team Visit https://askralphmedia.com/ralph-v-estep%2C-jr-bio

Notices, Notices Nov 01, 2017

If you get an unexpected letter from the Internal Revenue Service it can be quite a shock. If it isn't your refund check, then your pulse is probably rising. So what’s the first piece of advice? Don’t panic! The second piece of advice: Don’t ignore that notice! Ralph takes a closer look at dealing with notices received from the IRS on today's show.

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Podcast Timestamps:

How to Find Joy in Your Daily Routine with Ralph Estep Jr.

How do I live out my Christian Faith through my ﬁnances? With Ralph Estep Jr. and Paul Granger

What Happens to Your Debts After You Die? With Ralph Estep Jr.

How Do I Rebuild My Credit After A Financial Crisis? With Ralph Estep, Jr.

How Do I Set Healthy Boundaries With Social Media From A Godly Perspective? With Ralph Estep, Jr.

How Am I Going to Pay for The Children's College Education? With Ralph Estep, Jr.

How Do I Respond To Financial Trials and Uncertainty by Using My Faith? With Ralph Estep, Jr.

Is It Possible to Estimate My Future Social Security Beneﬁts? With Ralph Estep, Jr.

How Can I Use Financial “Fasting” to Grow Closer to God? With Ralph Estep, Jr.

How Do I Handle Getting Audited by the IRS? With Ralph Estep, Jr.

What Are Seven FInancial Perks of Maintaining Great Credit? With Ralph Estep, Jr.

How Can Christians Protect Their Online Identity? with Ralph Estep Jr.

Should You Choose a Home Equity Loan or HELOC? with Ralph Estep Jr.

Managing Wealth and Faith with a heavenly mindset: Is It Wrong for Christians to Be Wealthy? with Ralph Estep Jr.

Can Walking Improve Both Your Health and Finances? with Ralph Estep Jr. and Dave Paul

What Are the 401k Beneﬁciary Rules I Need to Know and Make Sure I Am Aware of When Managing My Retirement Accounts? With Ralph Estep, Jr.

How Can I Lower My Taxes When Withdrawing from My 401K? with Ralph Estep Jr.

How to not file a false return and File Taxes Honestly and Avoid IRS Trouble? with Ralph Estep Jr.

What are some faith-based investing principles and tools I can use to grow my investments and maintain my faith? with Ralph Estep Jr.

How Do I Repair My Bad Credit? With Ralph Estep Jr.

What Does Biblical Tithing Actually Mean? with Ralph Estep Jr.

What are the 8 Types of Homeowners Insurance You Need? | Ask Ralph Podcast

Is It Better To Rent Or Buy A Home? How Do I Decide What’s Best For Me? With Ralph Estep Jr.

What is the Secure Act 2.0, and How Does It Impact Your Retirement? With Ralph Estep Jr.

How Can I Quickly Improve My Credit Score After It Drops Below 700? With Ralph Estep Jr.

What Are The Best Online Sources For Online Banking, And How To Avoid Getting Scammed? With Ralph Estep Jr.

How Do I Select the Credit Card Which is Best for Me? With Ralph Estep Jr.

Finding True Contentment: How to Stop Comparing Yourself to Others? With Ralph Estep Jr.

How do I evaluate my life insurance needs? How much life insurance do I really need? With Ralph Estep, Jr.

Are You Ready to Break the Chains of Debt? A Christian's Guide to Handling Debt in Collections With Ralph Estep, Jr.

Are Credit Counseling Services Really a Scam or Do They Help People in Debt? with Ralph Estep Jr.

How Do I Balance Money, Possessions, and Generosity from a Biblical Perspective? | Ask Ralph Podcast

How Can Small Business Owners Increase Their Company's Value? With David Chudyk & Ralph Estep, Jr.

Should You Put Money Down on Your Next Car Purchase? with Ralph Estep, Jr.

What Really Happens If You Cheat on Your Taxes? with Ralph Estep, Jr.

How Can You Budget for Unforeseen Expenses and Protect Your Finances as a Homeowner? With Ralph Estep, Jr.

How FDIC Insurance Protects Your Bank Deposits with Ralph Estep, Jr.

Credit Card Confessions: Unveiling the Perks and Avoiding the Pitfalls with Ralph Estep Jr.

Overcoming the Fear of Retirement with Ralph Estep, Jr.

What to Do When My Lease Ends with Ralph Estep, Jr.

When It's Time to Let Go: Nurturing Self-Sufficiency and Independence in Your Maturing Children with Ralph Estep, Jr.

Navigating RMDs for a Stress-Free Retirement with Ralph Estep, Jr.

Technology, Human Touch, and Christian Principles: AI and Human Judgment in Lending with Ralph Estep Jr

The Alarming Effects of Smartphone Overuse on Children with Ralph Estep, Jr.

Navigating Debt: Debt Relief Options Explained with Ralph Estep, Jr.

Break Free from Financial Guilt with Ralph Estep, Jr.

Discover how Ral West overcame business burnout and learned to balance professional, and personal life through resilience and effective delegation.

Gaining Clarity, Achieving Your Goals, and Finding Peace: Utilizing the Power of Budgeting with Ralph Estep, Jr.

Proactive Tax Planning: Avoid IRS Penalties with Ralph Estep, Jr.

Discover the Unseen Realities of Everyday Jobs with Ralph Estep, Jr.

Behind the Social Media Curtain: The Realities of Life as an Online Influencer With Ralph Estep, Jr.

Be Guided Through Grief: Manage Your Inherited Property With Ralph Estep, Jr.

Realign Your Life: Show Excellence in Work, Relationships, and Stewardship To Worship God With Ralph Estep, Jr.

The Power of Podcasting with Dave Jackson: Insights and Tips for Business Owners

Demystifying Annuities: Benefits, Pitfalls, and Biblical Perspectives

Navigating Unexpected Tax Refunds: Tips and Real-Life Stories

Trimming Your Grocery Bill: Practical Tips and Listener Advice

Decluttering Your Digital Life: Practical Tips and Biblical Insights

Avoiding Financial Pitfalls in Retirement: Insights from Ralph Estep, Jr.

Revitalizing Your Prayer Life: Tips for Genuine Connections with God

Navigating Finances with Faith: An Interview with Ralph Estep Jr.

Achieving Financial Harmony in Marriage: Practical Steps for Couples

Mastering Quarterly Tax Estimates with Ralph Estep, Jr.

Are Dollar Stores Truly a Bargain? Unpacking the Real Impact on Communities

Unlocking Accessibility: Making Technology Work for You

Balancing Business and Marriage: Practical Steps from Ask Ralph

Navigating Life's Storms with Faith and Financial Wisdom

Navigating Retirement Accounts During Job Transitions: Essential Tips and Common Pitfalls

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