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Ask Ralph Blog

Dec. 27, 2024

What Are the Risks of Considering a Reverse Mortgage?

Why I Probably Shouldn’t Consider a Reverse Mortgage? Are you wondering if a reverse mortgage is the right choice for you? While these loans might seem appealing, they often come with risks that could outweigh their benefits. Let’s expl…

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Dec. 26, 2024

What Are the Best Strategies to Prepare for Your 2024 Tax Season?

How Do I Prepare for Handling My 2024 Tax Preparation? Tax season can feel overwhelming, especially for small business owners and faithful stewards of finances. The good news? With careful planning and organization, you can navigate your 2024 taxes…

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Dec. 25, 2024

What does Christmas really mean to Christians?

What Is the True Meaning of Christmas from a Christian Perspective? For many, Christmas has become synonymous with consumerism, stress, and debt. But what if this year could be different? What if we could celebrate Christmas in a way that aligns wi…

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Dec. 24, 2024

How Can I Negotiate the Best Deal When Buying a Used Car?

How Can I Negotiate the Best Deal When Buying a Used Car? Buying a used car can be intimidating, especially when you’re unsure how to negotiate effectively. In this blog post, we’ll explore actionable steps to help you secure the best d…

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Dec. 23, 2024

How Can You Maximize Your Social Security Check in Retirement?

What Are 7 Ways to Make the Most of My Social Security Check? For retirees relying heavily on Social Security, stretching those benefits can feel overwhelming. In this blog, we’ll explore 7 practical strategies to maximize your Social Securit…

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Dec. 22, 2024

Can You Maintain Giving During Inflation?

How Do I Navigate Inflation While Maintaining Generosity? Inflation can stretch even the most well-planned budgets, but does that mean generosity should take a back seat? In this post, we’ll explore how you can manage rising costs while stayi…

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Dec. 21, 2024

How Can You Manage Auto Insurance Costs for College Students?

How Do I Handle Auto Insurance If My Kids Are Away at School? As parents, managing auto insurance costs while keeping your college-bound kids safe can be challenging. This blog post explores strategies to balance premiums and protection, helping yo…

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Dec. 20, 2024

Is Securing Your Heirs with a Trust Worth It?

Why Should I Designate a Trust as a Retirement Account Beneficiary? Planning for the future is essential, especially when it comes to ensuring that your hard-earned retirement savings are distributed according to your wishes. Is Securing Your Heirs…

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Dec. 19, 2024

Will 2025 Tax Changes Hit Your Wallet Hard?

What are Some New Tax Issues Facing Us in 2025? Tax laws are set to undergo significant changes in 2025. For individuals, families, and small business owners, these adjustments could reshape financial plans and tax strategies. Let’s break dow…

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Dec. 18, 2024

Does a Perfect Credit Score Matter That Much?

Exploring the Credit Score Obsession and What Really Matters For many, achieving an 800 credit score feels like a financial holy grail. But is the stress of reaching this milestone truly worth it? In this blog post, 'Does a Perfect Credit Score Mat…

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