Ask Ralph Blog

How Do I Pay Off a Debt in Collections? Dealing with constant calls from debt collectors can be incredibly stressful and overwhelming. The anxiety of answering the phone, fearing it might be another debt collector, can significantly affect your dai…

Is It Safe to Invest in Precious Metal IRAs? Precious metal IRAs often attract attention with the promise of financial security for retirement, but are they truly as beneficial as they seem? Many wonder if these investments can really provide the f…

How Do I Handle Taxes When I Work in Multiple States? Handling taxes when you work in multiple states can be quite complex and often confusing. The tax ramifications vary depending on the specific laws of each state, including how they treat income…

Is My Side Hustle Actually Illegal? Avoiding fines and legal trouble from illegal business operations Worrying that your side hustle could land you in legal trouble is a valid concern. Stories of people getting busted for operating illegal business…

Should I Get a No Credit Check or Other Online Loan? When money is tight, bills are piling up, and your bank account is nearly empty, it's easy to feel desperate. Turning to quick online loans might seem like the only option in such a stressful sit…

Do You Worry About Expensive Home Repairs? Ever wonder about all your expensive appliances suddenly going doomed, the roof deciding it needs to leak, or the pipes springing a leak? Home repair and replacement costs can soar into thousands of dollar…

How Can You Break Free from Debt God's Way? Welcome! In this blog post, host Ralph Estep Jr. discusses a topic many listeners struggle with debt. Ralph emphasizes that God desires financial freedom for all of us and shares practical steps to achiev…

What is a Safe Deposit Box? Do you ever wonder where to keep those important documents? You know, the kind you would burst into tears losing - your grandmother's handwritten will or maybe the deed to your house? In this blog post, we look closely a…

Co-Owning Property with Family - What Are Some Tactics to Make Big Decisions Harmoniously? It's common for families to clash over what to do with a property inherited by multiple heirs. Communicating priorities respectfully and making decisions as …

Which Tax Mistakes Trigger Audits? 4 Filing Errors to Avoid  Worrying about an unexpected IRS audit is a common concern that can definitely disrupt your peace of mind. The tax code often leaves many feeling overwhelmed with questions about fil…