Season 6
Jan. 30, 2024
Benefits and Risks of Using Personal Financial Apps
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 t...
Jan. 29, 2024
10 Myths about Retirement
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 ...
Jan. 28, 2024
Finding Purpose in God's Kingdom - Using Your Gifts
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-re...
Jan. 27, 2024
Five Tax Blunders That Can Leave You Broke
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 t...
Jan. 26, 2024
Purchasing versus Leasing Your Next Vehicle
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 d...
Jan. 25, 2024
Beneficial Ownership Reporting - What you need to know!
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 FinC...
Jan. 24, 2024
Crazy Tax Mistakes and How to Fix Them
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 wi...
Jan. 23, 2024
Tips for Staying Safe Online and Balancing Your Digital Life
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 ...
Jan. 22, 2024
There's Hope for Getting a Mortgage After Bankruptcy
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 ...
Jan. 21, 2024
Spiritual Reasons for Personal Frugality - Poor in Life - Rich in Spirit
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. Howe...
Jan. 20, 2024
Avoiding "The Mailbox is Full"
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 alte...
Jan. 19, 2024
Building An Emergency Savings Fund
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...
Jan. 18, 2024
Tax Implications of Selling Your Home
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...
Jan. 17, 2024
Wacky Business Story Headlines
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...
Jan. 16, 2024
Best Accounting Software for 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 tec...
Jan. 15, 2024
Using Your Core Compentencies to Manage Business Success
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. R...
Jan. 14, 2024
Using Prayer to Navigate Financial Hard Times
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. ...
Jan. 13, 2024
Estate Planning Chat with Attorney Kevin Baird
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 ...
Jan. 12, 2024
Innocent Spouse Relief
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, ...
Jan. 11, 2024
Deferred Interest Loans - Don't Get Pinched!
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 fle...
Jan. 10, 2024
Getting Ready for Tax Time
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 find...
Jan. 9, 2024
7 Ways to Raise Your Credit Score by 200 Points
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...
Jan. 8, 2024
New Years Financial Resolutions
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 resolution...
Jan. 7, 2024
10 Experiences You Don't Want as a Retiree
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 sp...