On today's show, Ralph discusses the need to know elements of inherited IRAs by non-spouses which can create opportunities for its recipients and risks come tax time. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and follow…
Individuals who work for themselves are treated differently than employees, but the distinction is sometimes very hard to make. After the passage of the 2017 Tax Act and the possible benefits of contractor labor classification, the IRS will most likely be on the lookout for individuals switching their worker status.…
Owners, borrowers, and guarantors must consider tax implications when seeking debt relief, as many strategies may trigger cancelation of debt (commonly known as COD). On today's show, Ralph outlines what cancellation of debt means for your tax-time bottom line. Submit your questions or ideas for future shows, tweet us at…
On today's show, Ralph discusses the dangers of using public USB charging stations and what you need to know to keep yourself and your data dafe. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and follow us…
A step-up in basis can be a very good thing at tax time. The term relates to capital gains tax and can save you considerable money should you ever decide to sell an asset or property that you've inherited. On today's show, Ralph gives the run-down on step-up basis to save you…
On today's show, Ralph talks car insurance and outlines the top ten terms to know. Learning these basic terms will better your bottom line! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and follow us on Twitter…
Whether you own a house or rent an apartment, that monthly payment going to your mortgage lender or landlord can take a big chunk out of your paycheck. Couple that with the costs associated with getting to and from work and, the goal of saving more for many gets thrown…
Making the move to saving more can leave you feeling overwhelmed when budgeting for health and food expenses. Staying on budget can make even the more simpler tasks like making dinner, grocery shopping or deciding to go to the doctor a financial debate. On today's show, Ralph discusses tips for making…
Figuring out how to save money in today's economy, while notably booming, can be difficult for many of Americans. Additionally, making efforts to save for the future, should not mean having a boring frugal life in the present. On today's show, Ralph talk tips for staying on a budget while…
Whether you are trying to pay off debt related to credit cards, personal or student loans, there are ways to pad your savings accounts and pay your debt obligations. On today's show, Ralph discusses money saving strategies when it comes to paying off debt. Submit your questions or ideas for…
Do you have trouble saving money? You are not alone. According to a recent survey from Bankrate.com, approximately 20% of Americans do not have savings, and upwards of 65% save fewer than 15% of annual income. For that reason, many feel that we could be setting ourselves up for trouble…
Taking the time to manage your money better can really pay off. It can help you stay on top of your bills and save for your future. You can use these extra savings to pay off any debts, put them towards your retirement, or spend them a vacation for yourself.…
According to the Federal Trade Commission in 2015, more than 32% of Americans have fallen victim to credit card fraud. With projections of credit card fraud to only rise in the coming years, consumers must be diligent to stay on top of potential threats. On today's show, Ralph discusses how…
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…
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…
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…
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…
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…
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 askralph@askralphmedia.com. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit…
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 askralph@askralphmedia.com. Like us on…
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…
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…
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.…
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…