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    Business

    Becoming Financially Confident

    Breaking Free from Financial Shame, one conversation at a time.

    Most money advice assumes you already know what you’re doing. This show doesn’t.
    Becoming Financially Confident is a live weekday show for people who want to get their financial life in order without being lectured, judged, or sold something. Host Ralph Estep Jr. is a Licensed Public Accountant with more than 30 years of experience sitting across the desk from real people and real businesses — the shoebox of receipts, the tax notice nobody wants to open, the budget that never quite balances. He has made his own expensive mistakes, and he talks about them openly.

    This is not a new voice. Ralph has published more than 1,200 episodes across eight seasons, earned national recognition for his work, and written nearly a thousand articles on money, taxes, technology, and small business. Becoming Financially Confident is the next chapter of that same show, in the same feed — sharper, live, and built around one idea: you are capable of figuring this out.

    Every show opens with Headlines: what happened in the money world, and why it matters to your money and not just somebody’s portfolio. From there, the recurring segments include:

    Do the Math — one real financial decision run all the way to the number.
    The Envelope — a full teardown of a single financial product, account, or government program.
    Yes or No — a question that usually gets “well, it depends” gets an actual answer.
    Side Hustle Corner — what a side gig really pays after expenses, self-employment tax, and the hours nobody counts.
    Explain It Like I’m Broke — plain-English translation of the jargon that keeps people from asking.
    Scam of the Week — the ones running right now, and how to spot them before they cost you.
    Bill of the Week — a line-by-line look at something everybody pays and almost nobody reads.
    Homework — one task, free, finishable in fifteen minutes, with a check-in before the week is out.
    Wins of the Week — listeners who did the thing, and what actually happened when they did.
    What It Cost Me — Ralph puts his own money mistakes on the table.

    This show is for the person making good money who still can’t say where it goes. The couple who have been meaning to build a budget for four years. The 52-year-old who opened the retirement statement and closed it again. The freelancer who just got a tax bill they weren’t expecting. If you have ever felt like everyone else got a manual you never received, you are the reason this show exists.

    Here is the thing nobody says out loud: most people aren’t stuck because they lack discipline. They’re stuck because they’re ashamed — of the balance, of the mistake, of the years they didn’t start. Shame keeps the statement unopened and the question unasked, and an unasked question never gets answered. So this show asks them out loud, without flinching and without judgment, and then hands you the actual tools.

    Not just informed. Equipped.

    Live at 11:30 AM Eastern, Monday through Friday, with the full episode in your podcast feed by 5:00 PM the same day. Weekly highlights drop every Saturday.

    Ralph Estep Jr., LPA, is the founder of Saggio Management Group, an accounting practice he has run in Middletown, Delaware for more than 30 years. He is a financial educator, author, business coach, and podcast host.

    Subscribe, and start breaking free from financial shame — one conversation at a time.

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    Latest Episodes:
    Credit Basics: How to Qualify Aug 07, 2018
    Show notes

    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.

    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!

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    The 5 C's of Credit Aug 02, 2018
    Show notes

    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.

    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!

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    7 Mortgage Myths Jul 31, 2018
    Show notes

    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.

    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!

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    Robocalls: Automated Telephone Scams Jul 26, 2018
    Show notes

    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.

    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!

    Mentioned in this episode:

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    How to Handle IRS Audit Notice Jul 24, 2018
    Show notes

    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.

    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!

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    C Corp or Pass Through...What to Do? Jul 19, 2018
    Show notes

    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.

    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!

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    6 Phrases to Avoid During an Interview Jul 17, 2018
    Show notes

    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.

    Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

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

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    Avoiding a Tax Surprise in 2019 Jul 12, 2018
    Show notes

    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.

    Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

    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!

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    Don't Worry, Be a Happy Timeshare Owner Jul 10, 2018
    Show notes

    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.

    Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

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

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    Supreme Court Wayfair Sales Tax Case Explained Jul 05, 2018
    Show notes

    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.

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

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