Ask Ralph Blog

What are the best money lessons to teach your kids? Raising financially savvy kids starts with teaching them essential money lessons early. In the latest episode of the Ask Ralph Show, Ralph Estep Jr. explores effective ways to introduce children t…

Is life insurance taxable? In most cases, life insurance payouts are not taxable to the beneficiary, meaning they receive the death benefit tax-free. It's always good to be aware of any potential exceptions or nuances in tax law regarding life insu…

What are 10 things that banks don’t want you to know which could cost you money? Banks often have practices that aren't immediately obvious to consumers. Understanding this and asking the right questions can help you make more informed financ…

How do I avoid being the victim of a squishing scam? Encountering a QR code that seems suspicious is a valid concern in today's digital age. QR codes can potentially lead to malicious websites or download harmful software onto your device. Join Ral…

How can I beat the dealership in the finance office? Buying a new car can be an exciting experience, but the finance office at the dealership can often feel like a minefield of hidden fees and high-pressure tactics. Join Ralph Estep Jr. on the Ask …

How do I live out my Christian calling? Struggling to find your true purpose in life can be a deeply unsettling experience. It often feels like there’s a gap between where you are and where you want to be, leaving you searching for meaning an…

What are 5 tips for choosing an insurance agent or broker? Choosing the right insurance agent or broker can feel overwhelming, especially with so many options available. It's important to find someone you trust, who understands your needs and can g…

What are 7 money mistakes made by those over 50? Reaching 50 can indeed bring concerns about financial security, especially with retirement on the horizon. Join Ralph Estep Jr. on the Ask Ralph Show as he addresses the financial anxieties of those …

What are 8 common reasons for getting audited by the IRS? There are several factors that might trigger an IRS audit. Being aware of these triggers can help ensure accurate and compliant tax filing. Join Ralph Estep Jr. on the Ask Ralph Show as he a…

How do I get my infant on the course to great credit? Setting your newborn up for financial success involves a few strategic steps. Join Ralph Estep Jr. on the Ask Ralph Show as he explores how to set up your newborn for financial success, emphasiz…