Ask Ralph Blog

What are the 5 alternatives to personal loans that can help you achieve financial freedom without debt? Life often throws unexpected expenses our way—whether it's car repairs, medical bills, or simply the need for a little financial breathing…

Should You Consider ETFs in Your Investment Portfolio? Should ETFs be part of your investment plan? Many investors are interested in ETFs because they allow owning different companies with one investment. This type of fund can help reduce risk by s…

How To Navigate the World of Credit Counseling Services? Have you ever felt overwhelmed by debt, wondering if credit counseling services could be your lifeline or just another trap? In blogpost, Ralph Estep Jr. dives deep into the world of credit c…

How Can I Pursue Prosperity Without Losing My Priorities? Balancing financial success with devotion to faith and living generously is often seen as a challenging endeavor. Many believe that these goals can coexist, but it requires a conscious effor…

How can small business owners increase value through strategic planning? Ralph Estep Jr. interviews David Chudyk, a Certified Financial Planner and fellow podcaster, about increasing the value of your small business. If you're a business owner look…

Should You Put Money Down on Your Next Car Purchase? Deciding on a car purchase can be quite the dilemma. On one hand, there's the allure of making the financially optimal choice, focusing on factors like upfront cost, fuel efficiency, and resale v…

What Really Happens If You Cheat on Your Taxes? Many people might feel the temptation to cut corners on their taxes, especially when facing high bills or financial pressure. However, it's important to remember that taking shortcuts can lead to seri…

Hidden Home Costs Revealed - What Really Adds Up Over Time? Owning a house can seem straightforward at first, but there are often unexpected costs that can arise. Beyond the mortgage, homeowners have to budget for property taxes, insurance, mainten…

How FDIC Insurance Protects Your Bank Deposits Ensuring the safety of depositors' funds during bank failures, FDIC insurance plays a vital role in safeguarding individuals' financial security. In the unfortunate event of a bank collapse, this insur…

Unlocking the Secrets of Credit Card Perks: A Guide to Financial Wisdom Have you ever been enticed by a credit card offer that seems too good to be true? Promises of cash back, free flights, and points plentiful may be quite appealing. But are thes…