Financially Confident Christian

It is clear that your credit score can always be improved; however, it is not clear how one can go about bettering their score. Tune in to today's show where Ralph discusses ways to improve a credit score. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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:Post roll for Book Becoming

The dreaded credit report. One document that can make or break your future finances. Everyone has one but do you know how to read one? Tune into today's show where Ralph walks you through what exactly the credit report shows and how to measure your financial future. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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:Post roll for Book Becoming

Join our show sponsor, Haass Family Butcher Shop, in Dover for their 6th Annual Haass Family Butcher Shop BBQ Brawl on September 14th & 15th, 2018. It is is one of Delaware's most anticipated annual events. Mark your calendars now! The 2-day event kicks off Friday (September, 14th 2018). Enjoy an old fashioned lobster boil, local brews, and dance the night away with The Jimmy Cochran Band. All tickets available on Eventbrite ($30 per person) and include taxes and fees for dinner, music and fun! Then, join them again on Saturday (September, 15th 2018) where over 30 teams from across the country will compete for the prestigious Haass Championship Trophy! Saturdays Brawl is a free family-friendly event, open to the public. Enjoy live music, local ice cream, tantalizing BBQ and great camaraderie! Visit Haass Family Butcher Shop on Facebook (@haassbutchershop) for more information.Mentioned in this episode:Post roll for Book Becoming

In today's world, you are defined by a number. A three digit number that illustrates the type of person you are in the eyes of businesses and lenders alike. This number is your credit score. Tune in to today's episode where Ralph discusses the ins and outs of the credit score. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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:Post roll for Book Becoming

Check out today's episode where Ralph discusses the basics of building credit in a continuation of our credit how to series! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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:Post roll for Book Becoming

On today's show, Ralph continues our series on credit basics for part FOUR to discusses how to build your credit back up and establish a strong credit history. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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:Post roll for Book Becoming

A special bonus for our listeners is the full interview of Jordan Irazabal of TheDelaware3000.org who is on a mission to photo document active Delaware tag numbers 1-1000, C1-C1000 and PC1-PC1000. Like the project and follow Jordan's progress on Instagram and Facebook (@thedelaware3000) or visit his website at http://www.thedelaware3000.org for more information. Subscribe to our Podcast for more content! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected] in this episode:Post roll for Book Becoming

Good credit can save thousands of dollars in interest in everything from credit cards, to a mortgage loans. For many people, establishing or rebuilding bad credit is nothing short of a mystery. On today's show, Ralph continues our series on credit basics for part three to discusses how to build your credit back up. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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:Post roll for Book Becoming

Scared off by the high interest rates, many adults are choosing to avoid credit cards and the risks they present to anyone who carries a balance. But not using credit at all comes with its own risks. Lenders use credit history when deciding whether to give you a loan. No credit history, makes the possibility of gaining financing very difficult. Tune in to today's episode where Ralph discusses the steps to take to build your credit score in part two of our series on credit basics. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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:Post roll for Book Becoming

Taking care of your credit history, takes case of you. Building credit can be a challenging task. The most challenging part is knowing how to start. Tune into today's episode where Ralph discusses the steps to take to build your credit score in part one of our Credit Basics series. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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:Post roll for Book Becoming

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 [email protected]. 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:Post roll for Book Becoming

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 [email protected]. 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:Post roll for Book Becoming

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 [email protected]. 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:Post roll for Book Becoming

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 [email protected]. 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:Post roll for Book Becoming

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 [email protected]. 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:Post roll for Book Becoming

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 [email protected]. 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:Post roll for Book Becoming

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 [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

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 [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

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 [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

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 [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

The government has been your "lunch room bully" for years, pushing you around for all you got in the name of taxes and government spending. Now it's time for you to go to college and for the government to pay you back. On today's show, Ralph discusses tips on getting the most out of FASFA that will help you turn that bully upside down and shake it till every penny comes out of its pockets and into your education. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

Everyone likes the idea of a promised future. The recent development of the 529 plan allows for proactive parents and grandparents the opportunity to deliver that promise to their children and grandchildren. On today’s show, Ralph will discuss everything there is to know about the 529 plan, all it offers, and learn how one can start building a future for one’s kids. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

Grants can be considered the Oprah Winfrey of education financing because as long as you apply and qualify, you have a chance at free money. On today’s show, Ralph discusses grant programs and what you need to know and how you can qualify. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

Now that you have been accepted to a college, you need to start making plans on how to pay that tuition bills. On today’s show, Ralph discusses the various grant and scholarship options available to students seeking higher education. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

It is official, you are going to college! FASFA has done the calculations and the federal government says that you qualify for assistance! Before the bags are packed and family says goodbye, there is still one last step to complete, accepting the right type of financial aid. Be careful, choose the wrong one and you may pay for it well into your golden years. On today’s show, Ralph guides you through the various FAFSA options available, discussing the qualifications, requirements and terms for each type to assist in making the best decision for short and long term. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

We continue our education series this week with private student loans! On today’s show, Ralph talks about what to watch out for when going the private student loan route for your higher education needs. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

Despite the fact that more than 44 million Americans have student loans and their debt now totals $1.4 trillion, many people remain unclear as to how, exactly, those loans work. On today’s show, Ralph outlines federal student loans as an option for those in need of tuition assistance. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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:Post roll for Book Becoming

Paying for education can be quite the journey, one that offers various paths that can be taken. However, if one chooses the wrong path, the destination can easily become one of great financial burden. Let Ralph be your guide as he discusses in today's show, the ins and outs of federal versus private loans, shedding light on all they offer, obstacles you may face, and aspects you should avoid. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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:Post roll for Book Becoming

While tuition costs are high and increases seem inevitable, there are ways to alleviate the financial burden. The IRS currently offers a number of incentives that can help you recoup some cash at tax time. Tax credits, as previously discussed, are directly reduce the amount of tax you owe, while a deduction reduces the amount of income on which your tax is calculated. On today’s show, Ralph talks about education expenses like tuition, student loan interest, supplies and others that you can use at tax filing to reduce your overall tax bill. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

It is graduation season for many young Americans across the country. Once the diplomas have been handed out, the next step is higher education. For many of those wishing to attend college, high tuition expenses are a tough consideration. Many graduates leave with thousands of dollars in student loan debt, burdening them right out of school. It is for that reason, that many are hesitant to take the leap. On today’s show, Ralph outlines the tax credit side of education expenses for those just starting their collegiate careers out of high school and those continuing their education and trainings. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

Our radio broadcast on June 2nd, 2018 featured a full length interview with Jason Bochniak, a Business Development Officer at Keystone Funding to talk about the changes happening in mortgage financing. This discussion included rich insight for first-time and veteran home buyers outlining the steps to purchasing the home of your dreams and the regulatory changes taking place in the field. On this week's feature show, we wanted to release the entire interview for our listeners to enjoy. For more information about Keystone Funding visit www.keystonefunding.com. To schedule a meeting with Jason, email him at [email protected] or call his office at (302) 508-6134. To submit your questions about mortgage financing and the tax areas associated or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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:Post roll for Book Becoming

What do you actually gain from outsourcing payroll? Is it worth all the time and effort just to investigate and identify appropriate outsourced service providers? Then there is the work involved to transition the function outside to the third party service. Do the benefits of outsourcing outweigh that effort? On today’s show, Ralph examines the prospect of outsourcing payroll by reviewing the gains and losses for businesses owners. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a consultation about payroll outsourcing with Ralph's team, contact him at 302-659-6560 or go to www.askralph.com for more information!Mentioned in this episode:Post roll for Book Becoming

On today’s show, Ralph review why it is very important to process payroll taxes properly and submit tax payments in a timely manner. A must for all small business owner! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

On today’s show, Ralph talks review common troublesome areas in payroll tax filings and payments to be sure to avoid when doing yourself. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

Compiling payroll can be a headache, regardless of how big your business. Constant changes in state and federal tax and employment law make paying employees and filing taxes complicated and time-consuming. On today’s show, Ralph talks about common payroll problems, easy-to-miss errors and costly issues arising from payroll processing. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

A big issue for many new business owners when hiring their first employee is what exactly is required to process payroll and get their people paid. On today’s show, Ralph outlines the basics of setting up in-house payroll for your business. From pay period scheduling and withholding calculations, to garnishments and deductions, we help simplify the complex. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

Cryptocurrency week comes to a close on Ask Ralph with a final discussion in part four of our series. Very few countries have gone as far as to declare any virtual currency illegal. That does not; however, mean that many of the well know virtual currencies are in fact "legal tender". On today’s show, Ralph talks about the legal issues surrounding virtual currencies like Bitcoin and the like. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

Cryptocurrency week continues on Ask Ralph with a discussion on the crypto-marketplace and part three of our series. On today’s show, Ralph discusses the tax liabilities and growing regulatory concerning on this new digital currency. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

Cryptocurrency week continues on Ask Ralph with a discussion on the crypto-marketplace and part two of our series. Many of digital assets have reached own record high rates. On today’s show, Ralph reviews hows to access, secure, buy, sell and capitalize on the digital currency marketplace. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

It is Cryptocurrency Week at Ask Ralph! Each show will feature an aspect of the mysterious beast that is digital money by diving into where it came from, how it is used and why exactly do we all keep hearing about it. On today’s show, Ralph reviews the history of cryptocurrencies and defines key terms to help better understand this new phenomenon. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

Enjoying a comfortable retirement begins with having a strategic plan for saving and investing. Part of that means being sensitive to certain financial pitfalls that can derail your long-term goals and shrink your nest egg in the process. On today’s show, Ralph outlines five tried and true ways to get the retirement you want while managing the life you have currently. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

Maybe you filed a tax extension back in April because you were missing some of the paperwork, needed more time due to complications, or simply procrastinated. Regardless of the reason, you filed an extension and now have an additional six months to file. On today’s show, Ralph outlines reasons for finishing up your return filing sooner rather than later for those on extension. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

There are dramatic differences between traditional and Roth individual retirement accounts (IRA) and what you do not understand about the particular rules that apply to them can cost you. On today’s show, Ralph discusses the differences between these two very different retirement plan contribution accounts and the applicable tax regulations. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

Are you wondering why you owed so much in taxes this year? Want to make sure you never owe a big tax bill or any bill at all – when you file your income taxes? On today’s show, Ralph outlines what steps you need to take throughout the year to make sure your tax bill is paid before your file. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

The importance of Social Security for retired Americans simply can not be overstated. Further, understanding what you will be paid from Social Security and what factors can effect that payout are equally important. On today’s show, Ralph discuss the various factors that may affect your Social Security payout. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

On today’s show, Ralph discusses features and benefits to contributing to 401(k)s for those staring early and those starting late. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

Retirement is about the alignment of two things: money and values. When deciding if you should retire, that means you have to know if you can afford to - and you have to know what retirement means to you. On today’s show, Ralph talks about retirement and helps answer the questions surrounding the major life change. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

Many Americans do not know that depending on your income, you could have to pay your federal income tax rate on up to 85% of your Social Security benefits. On today’s show, Ralph reviews the tax regulations regarding Social Security and applicable income limits so that you are not blind sided come filing season. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

Did your forget to file your taxes? Were you too busy to submit your return? Was tax filing just too confusing? On today’s show, Ralph talks lame excuses for filing late and not filing and whether that excuse holds any weight with the IRS. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming

So you have filed your 2017 tax return, or filed an extension, and may have one nagging question: Am I going to be audited by the IRS?For most people, even the prospect of an IRS tax audit can raise your blood pressure. On today's show, Ralph review 12 of the top IRS red flags that could trigger an audit. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. 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!Mentioned in this episode:Post roll for Book Becoming