Ask Ralph

In this episode of the Ask Ralph Show, host Ralph Estep speaks with Chris Rowe, a renowned constitutional expert. Together, they delve into the significance of the U.S Constitution, its origins and how a thorough understanding impacts individuals. The duo discuss how the knowledge of the Constitution should guide us as citizens and inform our voting decisions. Furthermore, Chris explains the importance of addressing these fundamentals in our education system to secure our rights and freedoms. The podcast ends with an interesting discussion about the implications of the current economic and political developments on the mortgage industry.

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Join Ralph Estep, Jr. as he discussed 12 Steps to Take 6 Months Before you retire and discusses the steps individuals should consider before retiring.

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Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey

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Understanding SEP IRAs: Saving on Taxes and Planning for Retirement

In this episode of 'Ask Ralph', we delve into Simplified Employee Pension Individual Retirement Account (SEP IRA), a retirement savings tool primarily suitable for small business owners or independent contractors without employees. 

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Join host Ralph Estep Jr. as he takes listeners on a journey through the world of unconventional spending. He shares examples of bizarre purchases such as face-shaped coins, personalized potatoes, and the 'selfie toaster'. Estep also discusses unique investments like racehorses, collectible sneakers, rare books, cryptocurrency, and classic cars. Finally, he delves into unusual adventures for the non-thrill seekers such as extreme knitting, competitive cheese rolling, virtual reality experiences, urban exploration, and mystery-solving experiences. Emphasizing life's need for humor, the episode encourages listeners to explore unconventional ways of spending money, pursuing investments, and having adventures.

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Ralph Estep Jr. discusses the essential role of customer service in any business, and how technology can enhance it. He discusses how Customer Relationship Management software, chat bots, and self-service options can effectively cater to customer needs. Ralph explores the creation and promotion of self-service portals, drawing from his own business experiences. He also talks about using social media as a direct line of communication with customers, incorporating it for personalized support, automated messaging, and customer privacy handling. Furthermore, he outlines the future of customer service with AI-driven solutions like voice assistance and augmented reality.

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Ralph Estep Jr advises on the home financing process, discussing the pre-approval process, house hunting, applying for a mortgage and going through the underwriting procedure. 

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Explore the importance of living a life of integrity and honoring God's commandments in this thought-provoking episode. Learn how aligning your financial decisions with ethical practices can lead to long-term success and fulfillment.

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Entrepreneur Brandon Steiner shares his insights on success, embracing challenges, and the importance of work-life balance in the sports memorabilia industry. 

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Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey

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Ralph Estep Jr., discusses the process and benefits of converting personal vehicles to business use. He explains how this can lower taxes, provide deductions, and offers tips on documentation, deduction methods, and insurance considerations.

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Buy Ralph's Book - Mastering Your Finances! on Amazon

Buy Ralph's Book - Gospel of Entrepreneurship: Following Jesus in Your Business Journey

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Baffled by tax jargon? Demystify terms like adjusted gross income, itemized deductions, tax brackets, and tax credits. Listen now to learn more!

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Buy Ralph's Book - Mastering Your Finances! on Amazon

In this episode of the Ask Ralph podcast, Ralph Estep, Jr. discusses some truly bizarre and interesting side hustles. These include being a professional bed warmer, sleeper, mourner, mermaid, pet psychic, scare actor, bridesmaid or groomsman, slime maker, line sitter, human mannequin, and snake milker. These unconventional methods of making money challenge commonly held perceptions about generating income and underscore the endless opportunities available in the world of side hustles.

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In this episode of the Ask Ralph podcast, host Ralph Estep, Jr. delves into the importance of cybersecurity for small businesses and entrepreneurs, emphasizing that they accounted for 43% of all cyber attacks in 2020. He offers concrete strategies and practical steps that businesses can take to buffer against cyber attacks. This includes developing a strong password policy, enabling two-factor authentication, updating software regularly, and educating employees about cybersecurity. Other measures include using robust firewall and antivirus software, conducting regular cybersecurity assessments and audits, as well as implementing strict access controls. The podcast also advises on cybersecurity insurance and effective response to suspected security breaches. A comprehensive cybersecurity checklist for small businesses is mentioned to be available upon visiting the Ask Ralph podcast webpage.

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Buy Ralph's Book - Mastering Your Finances! on Amazon

In this episode of the 'Ask Ralph' podcast, host Ralph Estep, Junior, discusses how overcoming the fear of failure can unlock greater levels of success in business and personal finance. He proposes eight concrete steps: embracing the unknown, weighing potential risks and rewards, fostering a growth mindset, creating a supportive network, pursuing ongoing education, planning for contingencies, trusting one's intuition, and maintaining self-belief. Emphasizing that failure should not be seen as a dead end but a stepping stone to success, Ralph encourages audience participation through reviews and feedback.

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Ralph Estep Jr. explores how to find strength in times of trouble and trust in God's plan. He emphasizes the importance of surrendering to God's guidance, seeking his wisdom, and cultivating resilience, gratitude, and mindfulness. Ralph also encourages setting goals, embracing change, and celebrating personal strengths. The episode concludes with a prayer and a reminder that trusting in God's plan empowers us to overcome any challenge.

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Ralph introduces Craig, a podcast host of "Live Well and Flourish" who shares practical wisdom to live an excellent life. The discussion is focused on leveraging personal strengths and accepting weaknesses, emphasizing the importance of knowing oneself and making informed decisions for living a life of virtue and reason.

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Join Ralph Estep, Jr. as he explains Pass Through Entities and provides an in-depth explanation of pass-through entities such as LLCs and corporations. It covers topics such as how these entities work, the tax benefits they offer, and the steps to create one for a business. Ralph emphasizes the importance of consulting with professionals for legal and tax advice. Additionally, Ralph highlights the potential tax savings, personal liability protection, and ability to deduct business losses that come with using pass-through entities.

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In this episode of the Ask Ralph podcast, host Ralph Estep, Jr. explains the difference between tax credits and deductions. He also explores common tax credits for the 2023 tax return, such as the child tax credit and the earned income tax credit. Additionally, Ralph delves into lesser-known credits like the lifetime learning credit and the residential energy efficient property credit.

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Join Ralph Estep, Jr., as he explores Crazy Business Ideas That Actually Worked and discusses the secrets behind seemingly crazy ventures that became incredibly successful. He explores how these ideas defied the odds, tapped into deep desires, and solved problems we didn't know we had. Estep also highlights some remarkable success stories like the iPhone and Airbnb, as well as notable business failures like new Coke and the Segway. Ralph emphasizes the importance of understanding market needs, being agile and responsive, effective communication and branding, and learning from both successes and failures in the world of business.

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Buy Ralph's Book - Mastering Your Finances! on Amazon

The episode of Ask Ralph podcast hosted by Ralph Estep Jr., focuses on the benefits, costs, and risks associated with personal financial apps such as Mint, Personal Capital, Pocket Guard, and YNAB. The podcast describes how these apps aid in managing finances, budgeting, tracking expenses, and providing financial education.

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In this episode, host Ralph Estep, Jr. discusses common myths about retirement and debunks them. He covers topics such as the misconception that retirement means no work, the reliance on Social Security for all expenses, the importance of saving for retirement early, the potential risks of excessive withdrawals from retirement accounts, and more. Ralph emphasizes the need for financial planning, consulting with professionals like financial advisors and tax advisors, and creating a comprehensive estate plan. 

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Buy Ralph's Book - Mastering Your Finances! on Amazon