Ask Ralph Blog

How Do I Reduce My Taxes When I Take Money from My 401K or Other Retirement Account? Are you about to retire and worried about the IRS shrinking your hard-earned 401k with taxes? You're not alone. This common concern often causes confusion and anxi…

How do I make sure I’m not filing a false tax return with the IRS? Are you worried about trading your comfy bed for a cot just to save a few bucks on your taxes? You're not alone. Navigating the complex world of taxes can be daunting, and it'…

What are some faith-based investing principles and tools I can use to grow my investments and maintain my faith? Are you trying to align your investments with your faith? Wondering if you can grow your money while staying true to your beliefs? You'…

How Do I Repair My Bad Credit? Are you struggling with a bad credit score, feeling like it's holding you back from achieving your financial goals? You're not alone. Bad credit can feel like a constant setback, affecting everything from getting a lo…

What Does Biblical Tithing Actually Mean and How Do I Develop a Giving Plan Based on Biblical Principles? Have you ever wondered if you're giving enough to your church? Or maybe you're struggling to balance your finances while still honoring God wi…

Is Your Home Properly Insured? Understanding the 8 Types of Homeowners Insurance Are you confident that your home is fully protected? Navigating the world of homeowners insurance can be overwhelming, especially with so many types to consider. Wheth…

Is It Better To Rent Or Buy A Home? How Do I Decide What’s Best For Me? Are you tossing and turning at night, wondering whether you should rent or buy a home? You're not alone. This age-old debate continues to perplex many, especially in toda…

What Is The Secure Act 2.0 And How Does This Affect My Retirement?  Are you feeling lost in the maze of retirement planning? Does the term "SECURE Act 2.0" sound like financial gibberish to you? Don't worry – you're not alone. Today, we …

My Credit Score Has Dropped Below 700: What Do I Need To Stop Doing Right Away To Improve My Credit Score?  Do you find yourself scratching your head every time you check your score, wondering why it's going down? Many people feel confused and…

What Are The Best Online Sources For Online Banking, Bill Payment And What Are Best Ways To Keep From Getting Scammed? The internet can feel like a wild, unpredictable place, especially when it comes to your finances. One wrong click can make you w…