Videos

Prioritizing customer feedback is crucial for success. Encourage reviews and embrace complaints—they're a sign that you still have a chance to make things right. Check out the book A Complaint Is a Gift for insights on turning feedback into opportunities. Stay flexible and ready to adjust based on what your…

Curious about the reasons why so many small businesses don't survive? In this episode of The Ask Ralph Show, Ralph Estep Jr. discusses What Are the Top 9 Reasons Why Small Businesses Fail? Drawing from real-life examples and years of experience, Ralph uncovers the most common mistakes entrepreneurs make and…

Long-term success comes from honoring and seeing your employees as assets. Build them up, don’t tear them down. Effective delegation and communication are key. Create a work environment where your team enjoys being, and watch your business thrive. #EmployeeAppreciation #Leadership #Delegation #WorkCulture #BusinessSuccess

While the IRS will charge penalties and interest on unpaid taxes, their ultimate goal is to get paid. If you’re willing to set up a monthly payment plan, there's a good chance you can negotiate an installment agreement. Don't let fear of penalties stop you from working with them. #IRS…

Worried that unpaid taxes could impact your travel plans? In this episode of The Ask Ralph Show, Ralph Estep Jr. answers the critical question: Can the IRS Take Away Your Passport If You Don’t Pay Your Taxes? Ralph dives into real-life stories, sharing how tax debt can lead to passport…

Communication with the IRS is key. While it may seem intimidating, the IRS is often more willing to work with you than expected. Their main goal is to get paid, and they have the tools to ensure it. Don't avoid them—reach out and explore your options. #IRS #TaxHelp #CommunicationIsKey #TaxPaymentPlan

The IRS holds serious power when it comes to unpaid taxes. If you don’t pay, they can place liens on your property, garnish your wages, levy your bank accounts, and revoke your passport. It’s important to understand the full consequences of ignoring your tax obligations. #IRS #TaxTruth #WageGarnishment #PassportRevocation

Come join me live as I answer your financial questions. I’ll be covering from great topics in addition to your questions - how to handle retirement distributions effectively when purchasing a car; Delaware’s new DE Earns program and all of your questions.

Consider a reverse mortgage on your current home to finance a new property. It’s possible, but there are important details to keep in mind. You'll need cash for the down payment since the reverse mortgage can’t be used for that purpose. Once secured, it functions like a traditional reverse mortgage,…

Dreaming of owning a home but don’t have a steady paycheck? In this episode of The Ask Ralph Show, Ralph Estep Jr. tackles the important question: How Can I Buy a House With No Income? Ralph explores various options, from using savings or gift funds to reverse mortgages. He shares…

A co-signer can be a valuable option if you're considering buying a home but lack a steady income. Having a family member with reliable income to co-sign on your mortgage may help you qualify for a loan. However, it's crucial to understand the implications for both parties involved. Make sure…

If you own a home outright, such as an inherited property, selling it could be a smart way to purchase a new home that better suits your needs. Whether you’re downsizing or looking for something of comparable value, consider an exchange: sell Property A and move into Property B without…

Ever noticed that prices fluctuate when you're shopping online? You may be experiencing surveillance pricing. In this episode of The Ask Ralph Show, Ralph Estep Jr. breaks down what is meant by surveillance pricing and how it impacts your online shopping experience. Ralph shares real-life examples of how companies adjust…

It's important to stay aware and protect yourself in today's world, but as Christians, we’re called to something greater. We must cultivate a mindset of fairness and integrity, ensuring that our actions reflect Christ’s love for others. Treating others fairly isn't just a choice—it's a core part of living out…

In a world where data aggregation and online tools shape consumer behavior, those without access to technology may miss out on the best deals. Low-tech buyers could only pay higher prices with connections to price comparison sites and coupon codes. Are you staying connected to the right resources? #ConsumerAwareness #PriceSensitivity

It's easy to fall into the trap of measuring your worth by what you own or how much you spend, especially when making big purchases like vacations. But as Christians, our value comes from God, not possessions. Remember to lean on your faith to stay grounded and avoid getting caught…

If you have substantial retirement savings that your spouse or children can access, life insurance might not be as necessary. It's crucial to evaluate your financial landscape and consider how your savings can provide for your loved ones in the future. Make informed decisions based on your unique situation! #RetirementSavings…

If you've paid off all your debts and don’t have a mortgage, you might wonder whether life insurance is necessary. Being debt-free can certainly influence your decision, but it's essential to consider other factors like family needs and future financial goals. Evaluate your unique situation before deciding! #LifeInsurance #DebtFree #FinancialPlanning…

Wondering what happens if you outlive your life insurance policy? In this episode of The Ask Ralph podcast, Ralph Estep Jr. explains what you should do when your term life insurance expires and how to ensure your family’s financial future is still secure. Ralph shares real-life examples of clients who…

Outliving your life insurance policy doesn't mean you've wasted money! Many people worry about this, but consider the peace of mind and financial security it provides during your lifetime. It’s an investment in your family's future, not just a policy. #LifeInsurance #FinancialSecurity #PeaceOfMind #SmartInvesting #InsuranceWisdom

Feeling unmotivated and spiritually drained? Wondering how faith can reignite your daily motivation? In this episode of The Ask Ralph podcast, Ralph Estep Jr. explores how faith can help rebuild your daily motivation and purpose. Through personal stories, listener testimonies, and biblical guidance, Ralph offers valuable advice on using faith…

Starting a faith and finances journal helps you track goals, prayers, and progress all in one place. By writing things down, you'll stay more engaged and focused on aligning your financial journey with your faith. Consistency is key to growth! #FaithAndFinances #GoalSetting #StayOnTrack #FinancialGrowth #FaithJourney

Volunteering or donating to a cause you care about brings deeper meaning to your financial habits. When you align your money with a higher purpose, it becomes easier to stay motivated. Many clients and listeners have found this to be a powerful tool for lasting change. #PurposeDrivenFinances #GiveBack #StayMotivated #FaithAndMoney…

Dedicating daily time to reading financial literature and spiritual texts helps you connect the dots between faith and finances. Understanding how these two worlds collide and support each other is essential. Listening to my show is a great start—keep engaging with these concepts for a richer understanding! #FaithAndFinances #DailyReading #FinancialLiterature…