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Ask Ralph Blog

Jan. 30, 2025

How Can You Handle Tax Debt Without Falling for Scams?

Desperate for Tax Relief? Why Some Solutions Are Worse Than the Problem When facing a mountain of tax debt, it's easy to feel desperate for a quick fix. The weight of financial burdens can be overwhelming, leading many to seek out "tax relief" solu…

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Jan. 29, 2025

What Are Estimated Taxes and Who Needs to Pay Them?

Wait, What Are Estimated Taxes and Do I Actually Have to Pay Them? Imagine this: you're a freelance graphic designer, finally doing what you love and working from home. You land a big project, and the client sends you a hefty check. You're thrilled…

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Jan. 28, 2025

Is Managing Your Credit Like a Pro Worth the Effort?

How Much Money Could You Save by Managing Your Credit Like a Pro? In the world of personal finance, your credit score is a significant factor that can impact your financial well-being. It's a numerical representation of your creditworthiness, refle…

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Jan. 27, 2025

What Steps Should I Take If I’m Locked Out of E-Filing?

Locked Out of E-filing? The Secret PIN That Changes Everything! Have you ever been ready to e-file your taxes, only to be stopped in your tracks by a missing PIN? It can be frustrating, especially when you're trying to get your taxes done on time a…

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Jan. 26, 2025

Why Might I Not Feel Close to God Anymore Despite Regular Worship?

Ask Ralph: Why Don't I Feel Close to God Anymore? Welcome back to “Ask Ralph,” your daily dose of Christian finance wisdom! Today, we tackle a question that goes beyond the balance sheet and straight to the heart: "Why don't I feel clos…

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Jan. 25, 2025

Is ID.me the Right Choice for Your Digital Identity Needs?

Is ID.me the Future of Digital Identity, or a Privacy Nightmare? ID.me is rapidly becoming a household name, offering a convenient way to verify your identity online for everything from government services to retail discounts. But with convenience …

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Jan. 24, 2025

Is GAP Insurance Essential for New Car Buyers in 2025?

Why Are New Car Owners Most at Risk for This Insurance Nightmare? Welcome back to "Ask Ralph," your daily dose of Christian financial wisdom! Today, we're diving deep into an insurance predicament that often catches new car owners off guard: being …

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Jan. 23, 2025

How Can Changing Your Filing Status Maximize Your Tax Refund?

Is Your Old Filing Status Stealing Your Tax Refund? Welcome back to “Ask Ralph,” your daily dose of Christian financial wisdom! Today, we're diving deep into a question that could be impacting your wallet and your peace of mind: How Can…

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Jan. 22, 2025

Is Investing in Healthcare Now the Key to Saving Thousands Later?

Ask Ralph: Can Spending More on Healthcare Now Actually Save You Thousands Later? Welcome back to Ask Ralph, your daily dose of Christian wisdom for your wallet! Today, we're tackling a question that could save you a bundle and keep you feeling you…

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Jan. 21, 2025

How Can You Prevent Tax Identity Fraud and Safeguard Your Finances?

Ask Ralph: Tax Identity Theft - Is Someone Filing Returns in Your Name? Welcome back to "Ask Ralph," your daily dose of Christian financial wisdom! Today, we're diving deep into a topic that's both concerning and relevant: tax identity theft. It's …

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