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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:
    5 Tax Mistakes to Avoid Mar 06, 2018
    Show notes

    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.

    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!

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    Identity Theft Protection Tips Mar 02, 2018
    Show notes

    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.

    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!

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    Big Tax Bill Payment Options Feb 28, 2018
    Show notes

    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!

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    Financials Tips for Wo(Men) Feb 26, 2018
    Show notes

    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!

    Mentioned in this episode:

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    2017 Tax Code Update Feb 21, 2018
    Show notes

    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!

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    Mail Bag Part Three: Common Tax Questions Feb 19, 2018
    Show notes

    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!

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    QuickBooks Online and Your Small Business with Mike Potter Feb 16, 2018
    Show notes

    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!

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    Mail Bag Part Two: Common Tax Questions Feb 14, 2018
    Show notes

    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!

    Mentioned in this episode:

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    Mail Bag Part One: Common Tax Questions Feb 12, 2018
    Show notes

    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!

    Mentioned in this episode:

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    Technology Integration in Practice with Dr. Puja Balchandani Feb 09, 2018
    Show notes

    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

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