A special bonus for our listeners is a special segment from Ralph discussing all of the hype surrounding tax refunds during this 2018 tax season as aired originally on our radio broadcast from Saturday February 16, 2019at 8:00AM on WILM 1450 (https://wilm.iheart.com/) in Wilmington, WDOV 1410 (https://wdov.iheart.com/) in Dover and…
Paying off your mortgage before the loan is up might feel light years away, but it is doable if you plan your finances right. If you pay off your mortgage early, you could save a lot of money on interest. On today's show Ralph discusses how to and why paying…
Whether you plan to make some New Year’s resolutions or not, there’s no better time than the beginning of the year to review your finances. On today's show, Ralph talks finances and how to get better at them in the new year! Submit your questions or ideas for future shows,…
Trying to get your first credit card can be as frustrating as trying to land your first job. Employers want experience, but you can’t get experience unless someone hires you. Similarly, a credit card is the quickest way to build a good credit history, but without a good credit history…
On today’s show Ralph outlines what you need to do and know to give yourself a financial check up this new year! 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…
According to IRS estimates, American business underpay their taxes by $125 billion each year and as a result of this evasion the government can be out for almost $400 billion annually. Tax evaders, as a result, are a hot ticket item for the IRS and the agency is constantly looking…
Millions of Americans contribute to employer-sponsored retirement plan each year without any real strategy and at the end of the day, when retirement rolls around, having a strategy could make a real difference. On today's show, Ralph discusses strategies for maxing out your 401(k) so that when you retire, you…
New Year, new you as the saying goes and for many small businesses, the new year means new resolutions. This mean means putting changes into place that continue throughout the next 12 months, not just for a few weeks in January. On today's show Ralph takes a look a some…
Yes, tax reform eliminated or drew back a lot of popular write-offs. It is also true that many more people will now take the standard deduction instead of itemizing. But there are still plenty of hidden tax-saving opportunities to be found. On today's show, Ralph completes his discussion on the…
Yes, tax reform eliminated or drew back a lot of popular write-offs. It is also true that many more people will now take the standard deduction instead of itemizing. But there are still plenty of hidden tax-saving opportunities to be found. On today's show, Ralph continues his discussion on the…
Welcome message from Ralph V. Estep, Jr., of Saggio Accounting.
Yes, tax reform eliminated or drew back a lot of popular write-offs. It is also true that many more people will now take the standard deduction instead of itemizing. But there are still plenty of hidden tax-saving opportunities to be found. On today's show, Ralph begins his discussion on the…
If you find yourself with a tax bill instead of a refund, it is imperative that you take it seriously and do not push those anxieties to the side. Failure to pay can damage your credit score, cost you interest and additional penalties and, in extreme cases, lead to criminal…
Tax season is coming! If you and your family are staring at a pile of unfamiliar forms that have you scratching your head, then it is most likely time to call in a professional. On today's show, Ralph discusses when and when not to call in a tax professional for…
Are you feeling worse for wear as a result of holiday overspending in 2018? You are not alone. On today's show, Ralph reviews how to review, revise and assess your finances after a busy season of gift giving! Submit your questions or ideas for future shows, tweet us at @askralphmedia…
Are you feeling worse for wear as a result of holiday overspending in 2018? You are not alone. On today's show, Ralph reviews how to review, revise and assess your finances after a busy season of gift giving! Submit your questions or ideas for future shows, tweet us at @askralphmedia…
The IRS has been warning filers all year to ensure they are withholding enough tax from their pay in order to avoid a surprise tax bill in 2019. On today's show, Ralph discusses how taxpayers can check their withholding status and year to date amounts and tips for making sure…
One of the most dreaded actions taxpayers have to engage in occasionally if to try and get on the line with the IRS regarding a tax problem. From hours long wait times, complicated instructions and overwhelmingly complicated terms and jargon to understand, the task is painful. Fortunately, the IRS has…
On today's show, Ralph reviews and simplifies the complexity of the taxpayer bill of rights which include the right to be informed, receive quality services and to pay no more than the correct amount of tax. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email…
If you are a small business owner, Tax Day has a wholly different connotation than it does for most of America. While most working Americans, are excitedly anticipating the receipt of a big refund check, small business owners dread the annual scramble to gather their K1s, compile deductions, and sort…
Though the majority of Americans wind up getting a refund on their taxes, there are also those who end up owing money to the IRS once their returns are completed. If you are staring at a tax bill you know you ca not pay, do not panic. On today's show,…
The new year is rapidly approaching and getting organized early can save you hours of hassles when it comes time to do your taxes or evaluate your finances. On today's show, Ralph discusses six ideas for how to get financially organized before year end! Submit your questions or ideas for…
The franchise agreement is the legal agreement that creates a franchise relationship between a franchisor and a franchisee. As a franchisee or prospective franchisee, the franchise agreement is the most critical document to your franchise investment. If you are promised something from a franchisor and you are relying on this…
To ensure that franchises are giving prospective franchisees the proper amount of information needed to make an educated decision, the agency mandates that a Franchise Disclosure Document (FDD) be provided to the prospective franchisee. On today's show, Ralph finishes his discussion of the Franchise Disclosure Document. Submit your questions or…