Don't wait—file that police report! Here's how to handle it step by step without calling 911. Protect yourself from identity theft today! #IdentityTheft #PoliceReport #FraudProtection
Protect your identity with this crucial step! Call the IRS at 1-800-908-4490 and complete Form 14039 if you suspect fraud. This dedicated division helps stop thieves from using your Social Security number. It worked for me—don’t wait to take action! #IdentityTheft #IRSHelp #FinancialSafety #ProtectYourIdentity #FraudPrevention
Protect your identity! A credit freeze adds an extra layer of security by stopping unauthorized access to your credit report. Unlike a fraud alert, a freeze prevents anyone from opening credit in your name—your personal STOP sign! Keep your credit frozen until you need it. #IdentityTheftProtection #CreditSecurity #FraudPrevention #FinancialHealth #ProtectYourCredit
Concerned about your Social Security number being exposed? In this episode of the Ask Ralph Show, Ralph opens up about his personal experience with identity theft and shares practical steps to protect yourself. From reporting to the Federal Trade Commission and filing a police report to placing a fraud alert…
Paying premiums with after-tax dollars can make a huge difference when life throws a curveball. Just like Michael, who was able to receive tax-free disability benefits after a critical injury, making the right choice upfront can protect your financial future. #TaxFreeBenefits #DisabilityInsurance #SmartFinancialDecisions #PlanAhead
Small choices, big outcomes. Michael's decision to pay for his disability policy with after-tax dollars became a lifeline, providing non-taxable income when he needed it most. Are you making financial decisions that secure your future? #FinancialSecurity #NonTaxableIncome #SmartChoices #DisabilityPolicy #PlanAhead
Curious about non-taxable income sources? In this episode of the Ask Ralph Show, Ralph shares Michael’s story—a client who found financial relief through tax-free disability payments. Ralph explains how understanding non-taxable income can boost your financial security and highlights 12 key sources, including disability insurance, health savings accounts, life insurance…
Did you know your employer's health insurance isn't taxed as income? Plus, you can have up to $50,000 in life insurance coverage tax-free! Any amount above that may be taxed, but it's still a great perk. #TaxFreeBenefits #EmployerPerks #LifeInsurance #HealthInsurance #SmartFinancialChoices
Start the new year with a fresh approach to managing your cash flow. Track your income and expenses daily, identify patterns, and make intentional changes to improve. This is about progress, not perfection, and it can help you avoid unnecessary debt. #CashflowManagement #FinancialGoals #DebtFreeJourney #PersonalFinance
Financial challenges often reveal deeper issues in relationships. I encouraged this couple to seek both financial counseling and spiritual counseling together to address the full picture. It's about healing and growth in all areas. #FinancialCounseling #CouplesSupport #SpiritualGrowth #IntentionalSteps #FinancialHealing
Feeling overwhelmed by debt and financial stress? In this episode of the Ask Ralph Show, Ralph Estep Jr. responds to Harper from Michigan, who is struggling with anxiety about her finances. Ralph shares Betty’s inspiring story—a church leader who quietly battled debt but turned her life around by combining faith…
To reach your financial destination, start by understanding where you are and creating a plan. Together, we’ll establish accountability and track your progress. Success comes with hard work and the right guidance—no cookie-cutter solutions here! #FinancialSuccess #FinancialRoadmap #GoalSetting #Accountability #PersonalFinance
CDs can pose a risk if interest rates drop. Imagine locking in a 5% rate, only to face reinvestment at 2% upon maturity. For clients relying on interest income, this can significantly impact finances. Explore ways to safeguard your income! #InterestRates #CDInvesting #FinancialPlanning #RetirementIncome #InvestSmart
Limited liquidity means your money is locked away, often with penalties for early access. While it can help build savings, it might pose emergency challenges—just like Martha's case. Always consider your financial flexibility when making decisions. #FinancialPlanning #EmergencyFunds #LiquidityMatters #SmartSavings #BePrepared
CDs may seem like a safe option, but their interest earnings are taxable in the year they're earned. Substantial CDs could push you into a higher tax bracket. Explore tax-efficient alternatives to maximize your savings! #TaxPlanning #SmartInvesting #FinancialTips #SavingsGoals #TaxEfficient
Thinking about putting your money in a Certificate of Deposit (CD)? Wondering if it's the best option for your savings? In this episode of The Ask Ralph Show, Ralph Estep Jr. breaks down the Top 7 Reasons Why You Should Not Open a CD and highlights the potential risks and…
Consider setting up endowment funds to sustain missionary and ministry support. Whether it's property gifts for permanent facilities or bequests for future generations, your legacy can help build and expand ministries that change lives. #EndowmentFunds #MissionarySupport #LegacyGiving #BuildingTheKingdom #FaithInAction #SustainableGiving
Are you worried about how to use your retirement savings wisely? In this episode of The Ask Ralph Show, Ralph Estep Jr. answers the question, What Are the 7 Best Things for Retirees to Spend Their Savings On? Discover practical ways to enjoy your golden years while honoring God and…
Supporting local charities, your church, and missionaries spreading the good news can create lasting change. Whether it’s an emergency fund for family or helping others in need, giving back strengthens both your faith and community. #SupportYourCommunity #FaithInAction #GivingBack #ChristianValues #Charity #Missionaries
Personal growth is just as important as supporting others. Keep your mind sharp by investing in continuous learning, whether it's through education, art classes, or other passions. You stay sharp, fulfilled, and ready to impact the world when you grow. #PersonalGrowth #LifelongLearning #InvestInYourself #ContinuousEducation #MindSharpness #FaithAndGrowth
Consider creating endowment funds to provide lasting support for missionaries who are facing challenges. Property gifts can also ensure permanent ministry facilities, while bequests can help fund the building or expansion of your church's mission. Your legacy can empower future generations in their service. #MissionarySupport #EndowmentFunds #LegacyGiving #FaithfulStewardship #ChurchExpansion #SustainableMinistry
Have you ever wondered if your estate plan can make a lasting difference beyond your lifetime? In this episode of The Ask Ralph Show, Ralph Estep Jr. tackles the critical question: How Do I Create an Estate Plan with a Kingdom Impact? Learn how to balance providing for your family…
Through kingdom innovation, you can support Christian business initiatives, fund faith-based media, invest in social enterprises, and pioneer new ministry models. Your estate plan can be a powerful testimony of faith, a beacon of hope, and a catalyst for advancing God’s work for future generations. #KingdomInnovation #FaithBasedInvesting #LegacyGiving #MinistrySupport #ChristianImpact…
Every day we delay is a missed opportunity for kingdom impact. Instead of viewing estate planning as a dreaded task, let’s reframe it as a joyful expression of faithful stewardship. Prepare for the future with purpose, knowing your legacy will glorify God and serve others. #FaithfulStewardship #KingdomImpact #EstatePlanning #LegacyOfFaith #JoyfulGiving…