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Ask Ralph: Christian Finance

Ask Ralph Blog

March 25, 2025

The Hidden Costs of Cheap Tax Advice: Is It Worth the Risk?

Is Cheap Advice Really Worth the Price? The human instinct to seek out the best deal is powerful. Whether it's comparing prices on everyday goods or searching for discounts on larger purchases, the desire to save money is often a primary motivator.…

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March 24, 2025

Taxpayer Advocate Service: A Lifeline for Tax Issues

What Is the Taxpayer Advocate and How Can They Help Me? Dealing with taxes can often feel like navigating a complex maze. Whether it’s understanding a confusing notice from the IRS, resolving a discrepancy, or facing a significant financial c…

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March 23, 2025

Faith During Financial Hardship

Faith During Financial Hardship Difficult economic times are a reality that impacts many individuals and families. Unemployment, mounting debt, the rising cost of living, and overall uncertainty can create a climate of stress, worry, and even fear …

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March 22, 2025

Are Paper Checks Safe? Risks, Fraud & Better Alternatives

Why Can’t We Quit Paper Checks—and Are Scammers Cashing In? Are paper checks safe? Even in today’s digital world, paper checks are still hanging on—but at what cost? While many people have shifted to online payments and bank…

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March 21, 2025

Is Your Bank Account Holding Steady?

Are These Common Banking Habits Draining Your Wallet? In the world of personal finance, seemingly small habits can have a significant impact on your financial well-being. Certain banking habits, often overlooked, can quietly drain your wallet witho…

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March 20, 2025

Are Car Dealers Tricking You with 4 Squares?

Are Car Dealers Using the 4-Square Method to Outfox You? Buying a car can be an exciting experience, but it can also be stressful, especially when it comes to negotiating the price. Many car dealerships use various sales techniques to try and get t…

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March 19, 2025

How Fast Is Credit Card Debt Hurting You?

Is Your Credit Card Costing You More Than You Think? Credit vouchers have been around in some form since the 1800s, but plastic credit cards as we know them today have only been used since the 1960s1. In a culture that often encourages instant grat…

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March 18, 2025

Will Not Filing Taxes Cost You Forever?

Are You Still on the Hook With the IRS? How Far Back Can They Claim You Owe? Do you ever lie awake at night, worried that the IRS might come knocking on your door, demanding payment for taxes from years ago? It's a common concern, and the thought o…

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March 17, 2025

Is God's Wisdom Key to Financial Freedom?

Are You Following the World's Wisdom or God's Wisdom in Your Finances? As Christians, we are called to a higher standard in every area of our lives, including how we handle our finances. 1 Peter 1:16 instructs us to "Be holy, because I am holy." Th…

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March 16, 2025

Can True Wealth Go Beyond Money?

Is It Time to Redefine What Being Rich Means to You? In today's world, it's easy to get caught up in the pursuit of financial success and material possessions. We're bombarded with messages that equate wealth with a hefty bank account and the lates…

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