Ask Ralph: Financially Confident Christian

Episodes

Dec. 20, 2023

Best Tax Tips for Barbers and Cosmetologists

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. LISTEN NO...
Dec. 19, 2023

Time To Select A New Accountant?

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 a...
Dec. 18, 2023

The Best Options When You Owe The IRS

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 s...
Dec. 17, 2023

Choosing An Accountant To Handle Your Payroll

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...
Dec. 16, 2023

Demystifying Business Valuations

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.
Dec. 15, 2023

Year-End Tasks to Ensure Your Records Are In Order

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 ta...
Dec. 14, 2023

Crazy Deductions for Content Creators?

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.
Dec. 13, 2023

Should I Pay Off My Mortgage With Retirement Funds?

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.
Dec. 12, 2023

Second Mortgages - What are they and how do they work?

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.
Dec. 11, 2023

Selecting An Accountant to Handle Your Taxes

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...
Dec. 10, 2023

Exploring the New Delaware Paid Leave Program

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 ...
Dec. 9, 2023

Student Loans and Bankruptcy - Updated Rules

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.
Dec. 8, 2023

Retirement Savings for Gig Workers and the Self-Employed

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.
Dec. 7, 2023

How to Give A Boost to your Charitable Giving

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.
Dec. 6, 2023

Taxpayer Proactive Year-End Tax Planning

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.
Dec. 5, 2023

Why We Should All Support Small Businesses

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 o...
Dec. 4, 2023

Exploring the Back Door Roth IRA

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.
Dec. 3, 2023

How Could I Owe Taxes in 2023 and How Do I Prepare?

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.
Dec. 2, 2023

The Latest News on the IRS 1099-K Reporting Changes

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 n...
Dec. 1, 2023

Part 3 - Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives

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 c...
Nov. 30, 2023

Part 2 - Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives

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 ...
Nov. 29, 2023

Part 1 - Nine Common Things That People Avoid Because of Cost and Some Great Money Saving Alternatives

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 con...
Nov. 28, 2023

10 Ways to Save Money During the Holiday Season

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.
Nov. 27, 2023

Consequences of Ignoring Your Credit Score

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.