Are you considering a tax refund loan because of urgent financial needs? Before you take that leap, it's crucial to understand why these loans can be a costly mistake. Host Ralph Estep Jr. dives deep into the predatory natur…
Are you feeling the weight of caring for aging parents who are determined to maintain their independence? This episode tackles the pressing issue of how technology can empower seniors to stay safe, connected, and independent…
Catherine, a small business owner, faced a devastating cyberattack that locked her out of her entire life's work, demanding a ransom in Bitcoin. This harrowing experience serves as a crucial reminder of the increasing threat…
Freezing your credit file might be one of the smartest financial moves you can make to protect yourself from identity theft. Ralph Estep Jr. addresses the alarming rise of unauthorized credit applications and the emotional t…
Are your kids constantly asking for the latest gadgets and expensive sneakers? Today, Ralph Estep Jr. shares innovative ways to turn those spending demands into valuable financial lessons. By leveraging technology and specif…
Are you feeling overwhelmed by your finances? You're not alone, as many people struggle with budgeting and tracking their spending, leading to tension in relationships. Today, Ralph explores how technology can transform your…
Have you ever fallen victim to an online scam, leaving you feeling helpless and ashamed? Today, Ralph Estep Jr. shares vital steps you can take in the first 24 hours after being scammed to regain control and begin the recove…
Are you worried about losing your retirement savings to online scammers? Ralph Estep Jr. tackles this critical concern by sharing personal stories and practical advice for protecting your financial future. He emphasizes the …
Sending money through cash apps can be nerve-wracking, especially with the risk of scams that can lead to significant financial losses. Ralph shares a cautionary tale about a client who lost $5,000 to a cash app scam, highli…
Surveillance pricing is a creeping reality in today's digital economy, impacting how much you pay for everyday products. As Ralph explores the unsettling practice of dynamic, personalized pricing, he reveals how companies us…
Are you feeling undervalued by your current bank? This episode dives into the world of online banking, highlighting the incredible perks and bonuses that could significantly boost your financial situation. Ralph Estep Jr. sh…
Are you struggling to keep your spending in check and feeling overwhelmed by your finances? You're not alone. Today, Ralph shares seven powerful ways your bank can help you stick to your budget and regain control of your fin…
Losing a wallet can lead to more than just a temporary inconvenience; it can be the gateway to a full-blown identity theft nightmare. In this episode, Ralph delves into practical steps you can take to safeguard your identity…
Are you receiving calls from debt collectors and wondering if they’re legitimate? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr., where he exposes the top 7 debt collection scams and provides practical ad…
Feeling unsure about the relevance of writing checks in a digital world? Wondering if they’re still a valuable tool for managing finances? Tune in to Episode 261 of the Ask Ralph Show with Ralph Estep Jr. as he uncovers why …
