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Ask Ralph: Christian Finance

Videos

July 12, 2018

Avoiding a Tax Surprise in 2019

It is 2018 and everyone is on the keto diet, lacto vegetarian, and putting avocado on EVERYTHING! These new fads are not the only things changing this year. Tax year 2018 brings changes to both individuals and business filers. Tune into today's show, where Ralph will take you through the…

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July 10, 2018

Don't Worry, Be a Happy Timeshare Owner

When playing the game of timeshares, you have 50/50 odds on winning/losing. Purchasing one could open you up to a world of vacation and adventure or a financial black hole. The question is... are you feeling lucky? Strengthen your odds by tuning into today's show, as Ralph discusses how you can…

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July 5, 2018

Supreme Court Wayfair Sales Tax Case Explained

Late last month, the U.S. Supreme Court decided the historic Wayfair case, which will have cascading consequences for the online retail and e-commerce industries and ultimately effect everyone that shops online. The issue that was up for deciding was whether online retailers have to collect sales (or use) tax for online purchases. We all…

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July 3, 2018

10 FASFA Tips

The government has been your "lunch room bully" for years, pushing you around for all you got in the name of taxes and government spending. Now it's time for you to go to college and for the government to pay you back. On today's show, Ralph discusses tips on getting…

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June 27, 2018

Education Series: Federal Grant Programs

Grants can be considered the Oprah Winfrey of education financing because as long as you apply and qualify, you have a chance at free money. On today’s show, Ralph discusses grant programs and what you need to know and how you can qualify. Submit your questions or ideas for future…

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June 25, 2018

Education Series: Grants and Scholarships

Now that you have been accepted to a college, you need to start making plans on how to pay that tuition bills. On today’s show, Ralph discusses the various grant and scholarship options available to students seeking higher education. Submit your questions or ideas for future shows, tweet us at…

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June 22, 2018

Choosing the Right FAFSA for You

It is official, you are going to college! FASFA has done the calculations and the federal government says that you qualify for assistance! Before the bags are packed and family says goodbye, there is still one last step to complete, accepting the right type of financial aid. Be careful, choose…

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June 20, 2018

Education Series: Private Student Loans

We continue our education series this week with private student loans! On today’s show, Ralph talks about what to watch out for when going the private student loan route for your higher education needs. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at…

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June 18, 2018

Education Series: Federal Student Loans

Despite the fact that more than 44 million Americans have student loans and their debt now totals $1.4 trillion, many people remain unclear as to how, exactly, those loans work. On today’s show, Ralph outlines federal student loans as an option for those in need of tuition assistance.  Submit your questions…

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June 15, 2018

Grants, Private and Federal Student Loans...Oh My

Paying for education can be quite the journey, one that offers various paths that can be taken. However, if one chooses the wrong path, the destination can easily become one of great financial burden. Let Ralph be your guide as he discusses in today's show, the ins and outs of…

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June 13, 2018

Education Series: Tax Deductions

While tuition costs are high and increases seem inevitable, there are ways to alleviate the financial burden. The IRS currently offers a number of incentives that can help you recoup some cash at tax time. Tax credits, as previously discussed, are directly reduce the amount of tax you owe, while…

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June 11, 2018

Education Series: Tax Credits

It is graduation season for many young Americans across the country. Once the diplomas have been handed out, the next step is higher education. For many of those wishing to attend college, high tuition expenses are a tough consideration. Many graduates leave with thousands of dollars in student loan debt,…

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June 1, 2018

Should I Outsource Payroll?

What do you actually gain from outsourcing payroll? Is it worth all the time and effort just to investigate and identify appropriate outsourced service providers? Then there is the work involved to transition the function outside to the third party service.  Do the benefits of outsourcing outweigh that effort? On today’s show, Ralph examines…

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May 28, 2018

Payroll Tax Problems to Avoid

On today’s show, Ralph talks review common troublesome areas in payroll tax filings and payments to be sure to avoid when doing yourself. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and follow us on Twitter (@askralphmedia)…

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May 25, 2018

Common Payroll Issues

Compiling payroll can be a headache, regardless of how big your business. Constant changes in state and federal tax and employment law make paying employees and filing taxes complicated and time-consuming. On today’s show, Ralph talks about common payroll problems, easy-to-miss errors and costly issues arising from payroll processing. Submit…

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May 23, 2018

Payroll Basics for Employers

A big issue for many new business owners when hiring their first employee is what exactly is required to process payroll and get their people paid. On today’s show, Ralph outlines the basics of setting up in-house payroll for your business. From pay period scheduling and withholding calculations, to garnishments and…

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May 21, 2018

Legality of Cryptocurrency

Cryptocurrency week comes to a close on Ask Ralph with a final discussion in part four of our series. Very few countries have gone as far as to declare any virtual currency illegal. That does not; however, mean that many of the well know virtual currencies are in fact "legal…

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May 20, 2018

Taxing Cryptocurrency

Cryptocurrency week continues on Ask Ralph with a discussion on the crypto-marketplace and part three of our series. On today’s show, Ralph discusses the tax liabilities and growing regulatory concerning on this new digital currency. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us…

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May 16, 2018

Making Your Crypto-Wallet Work

Cryptocurrency week continues on Ask Ralph with a discussion on the crypto-marketplace and part two of our series. Many of digital assets have reached own record high rates. On today’s show, Ralph reviews hows to access, secure, buy, sell and capitalize on the digital currency marketplace. Submit your questions or…

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May 14, 2018

What is Cryptocurrency?

It is Cryptocurrency Week at Ask Ralph! Each show will feature an aspect of the mysterious beast that is digital money by diving into where it came from, how it is used and why exactly do we all keep hearing about it. On today’s show, Ralph reviews the history of cryptocurrencies…

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May 11, 2018

Ways to Secure Your Retirement

Enjoying a comfortable retirement begins with having a strategic plan for saving and investing. Part of that means being sensitive to certain financial pitfalls that can derail your long-term goals and shrink your nest egg in the process. On today’s show, Ralph outlines five tried and true ways to get the…

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May 9, 2018

Get Moving on Your Extension

Maybe you filed a tax extension back in April because you were missing some of the paperwork, needed more time due to complications, or simply procrastinated. Regardless of the reason, you filed an extension and now have an additional six months to file. On today’s show, Ralph outlines reasons for…

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May 7, 2018

The Great Debate: Traditional VS. Roth IRA

  There are dramatic differences between traditional and Roth individual retirement accounts (IRA) and what you do not understand about the particular rules that apply to them can cost you. On today’s show, Ralph discusses the differences between these two very different retirement plan contribution accounts and the applicable tax…

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May 4, 2018

How Not to Owe at Tax Time

Are you wondering why you owed so much in taxes this year? Want to make sure you never owe a big tax bill or any bill at all – when you file your income taxes? On today’s show, Ralph outlines what steps you need to take throughout the year to…

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