Episodes

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...

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...

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 w...

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 th...

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 crim...

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. ...

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 st...

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 tod...

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 g...

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 ...

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...

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 Ra...

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.pangofina...

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 bu...

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 Fin...

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 ...

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 bus...

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 ...

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 ...

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 ex...

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...

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 ...