Ask Ralph Blog

Do I need a VPN and why is it so useful? In today's digital landscape, understanding how a VPN works is essential for maintaining privacy and security online. Join Ralph Estep Jr. on the Ask Ralph Show as he talks about the importance of Virtual Pr…

What is your bank not telling you about using your debit card?  Managing our finances has become increasingly complex. With a lot of payment options available, it can be challenging to determine the safest and most responsible way to handle ou…

What are some ways I can learn to tame my tongue? Our words hold immense power, capable of both uplifting and devastating those around us. Whether in our personal or professional lives, the way we communicate can make or break our connections with …

What are the specific things I should consider when buying a business? Buying a business can sound exciting and full of potential opportunities. The idea of stepping into a new venture offers a sense of adventure and the promise of new challenges. H…

What are the four types of student loans? Student loan debt can feel overwhelming, leaving you wondering which type of loan is the best choice for your future. With so many options available, from federal loans to private lenders, it can be difficu…

How do I prepare for an audit of my home office expenses? Many people worry that claiming a home office deduction could trigger an IRS audit. It's a common concern, especially with the strict guidelines around what qualifies as a legitimate deduction…

Why should I consider collecting social security benefits early? The timing of when you start collecting Social Security benefits can significantly impact your financial future. Deciding to start benefits early might affect your long-term financial …

Have I Become A Virtual Hermit? It's easy to fall into the trap of using technology as an escape, rather than a tool for genuine connection. Spending hours on social media can often leave us feeling more isolated and disconnected from real-world re…

How Does My Retirement Balance Compare to Other People of My Same Age? Falling behind in retirement savings can be concerning, but it's not uncommon. It's important to assess your current financial situation and set realistic goals for catching up.…

How Do I Discern Gods Will For My Life? Many people experience moments where they feel like God might be speaking to them but struggle to clearly hear His voice. This uncertainty can lead to questions about how to recognize and understand His guida…