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Ask Ralph

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Looking to take your financial knowledge to the next level? Whether you are looking to save taxes or improve your business, Ask Ralph will bring you new information each week designed to make the complex simple and give you real-world advice.

Looking to take your financial knowledge to the next level? Whether you are looking to save taxes or improve your business, Ask Ralph will bring you new information each week designed to make the complex simple and give you real-world advice.
More Information

Location:

United States

Description:

Looking to take your financial knowledge to the next level? Whether you are looking to save taxes or improve your business, Ask Ralph will bring you new information each week designed to make the complex simple and give you real-world advice.

Language:

English

Contact:

302-518-6116


Episodes

Median Americans

4/18/2019
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Ever wonder how you and your household compares with spending to the average American? We all know what the biggest expenses, i.e. housing, groceries, utilities and health insurance. But variations in these core expenses and a wide range of others varying based on your location, age and other demographic groups. On today's show, Ralph talks spending and how average Americans push their pennies! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at...

Duration:00:09:25

Avoid These 4 Mistakes in Tax Filing

4/13/2019
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As Tax Day inches closer and closer, it can be tempting to rush through your tax returns while preparing, but we urge you, that could be a bad idea. Rushing tends to result in mistakes, over justifications, lapses and a wide array of errors that can slow the processing of your tax return, resulting in delayed tax refunds or worse, a second glance from the IRS. On today's show, Ralph outlines 4 foul proof tips for avoid some of the most common mistakes this filing season. Submit your...

Duration:00:09:23

The Great Refund Debate

4/11/2019
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Are your personal finances a highly-organized, well-oiled machine? Or is there a lot of room for improvement? The answer to that question is more important than you might think, especially during tax time. Most people anxiously await a big check from Uncle Sam in April, but it turns out a giant tax refund might not be so great after all. On today's show, Ralph discusses the pros and cons towards getting a big refund at tax time! Submit your questions or ideas for future shows, tweet us at...

Duration:00:09:25

Tips for Choosing a Tax Preparer

4/10/2019
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More than 50% of taxpayers hire a professional to prepare their taxes. With that being said, hiring a profession doe not absolve you of your legal responsibility for what is on your tax return. Mistakes and their consequences are the responsibility of the individual, married couple, or business whose name appears at the top of the return. On today's show, Ralph reviews his tips for picking the best tax preparer this filing season! Submit your questions or ideas for future shows, tweet us...

Duration:00:09:23

Do You Need to File a Tax Return?

4/4/2019
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You are required to file a federal income tax return if your income is above a certain level. That level varies quite a bit, depending on your filing status, your age and the kind of income you’re reporting. On today's show, Ralph outlines whether or not you need to file a tax return this 2019 tax season. 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) or...

Duration:00:09:23

Home Ownership Tax Myths

4/3/2019
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Home ownership is a lifelong dream for millions, and one that comes with its own unique set of pleasures and challenges. But for all the true benefits of homeownership, there are an equal number of myths about what it is like to own and maintain property. On today's show, Ralph debunks some important home ownership myths you need to know! 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...

Duration:00:09:23

Business Versus Hobby

4/2/2019
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You have started a business and you aren't making a profit. You've heard that the IRS won't accept business deductions if it considered your business a "hobby", but what it the truth? On today's show, Ralph discusses how the IRS distinguishes between legitimate business and hobby activities, for the purpose of taxes and what that means for you. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us on Facebook and...

Duration:00:09:23

Tale of the Ghost Tax Preparer

3/28/2019
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Ghost preparers, according to the IRS, “look to make a fast buck by promising a big refund or charging fees based on a percentage of the refund. These scammers hurt honest taxpayers who are simply trying to do the right thing and file a legitimate tax return.” So how do you figure out if you are being scammed by your preparer? On today's show, Ralph discusses the steps on how to not get "ghosted" when choosing a tax preparation service. Submit your questions or ideas for future shows, tweet...

Duration:00:09:25

Respond Don't React

3/27/2019
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On today's show, Ralph talks about his experience with responding and not reacting during interactions and how we all can benefit from practice in taking a breath, thinking logically and responding appropriately. 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) or visit www.askralphmedia.com for more information. To schedule a consultation with Ralph's team...

Duration:00:09:23

VA Home Loans

3/21/2019
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The share of service members using VA mortgage loans instead of conventional ones to purchase their first homes more than doubled from before the housing crisis hit to after the dust settled, according to a report from the Consumer Financial Protection Bureau. On today's show, Ralph discusses exactly what a VA home loan is, how to use one and what benefits surround their use in home financing. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at...

Duration:00:09:25

Tales of the 1099

3/19/2019
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With the onset of the tax season comes the annual onslaught of the various types of Form 1099. Among others, you have Form 1099-INT for interest income, 1099-DIV for dividend income, 1099-B for sales of securities and the dreaded 1099-MISC, which reports such income as rents received or nonemployee compensation. On today's show, Ralph talks 1099s forms with insight into deadlines, requirements, thresholds and other fun-filing facts! Submit your questions or ideas for future shows, tweet us...

Duration:00:09:23

How Scammers Steal Your Money

3/14/2019
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Cybercrime has been a lucrative business for swindlers since the early days of the internet. Despite the advancements in security, hackers and criminals will always be one-step ahead of us. That is why it is important for us to become knowledgeable on the common ways that scammers use to steal your hard-earned money so that we can thwart any threats before they become a problem. On today's show, Ralph discusses how scammers and grifters con you out of your money in today's new technology...

Duration:00:09:22

3 Reasons to Hire a Tax Professional this Year

3/12/2019
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Sleepless nights, panic attacks and pounding headaches are feelings that are far too familiar for taxpayers during the spring. But how do you know if you really need the help of a professional tax preparer? On today's show, Ralph discusses reasons why you may need to recruit a tax preparer this year. 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) or visit...

Duration:00:09:23

IRS Audit Red Flags for TY18

3/7/2019
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While the overall risk of being audited is generally low, new changes resulting from the enacted Tax Cuts and Jobs Act (TCJA) could impact your susceptibility of being audited this tax season. On today's show, Ralph discusses some of the most impactful red flags to be aware of this tax year 2018 filing season. 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)...

Duration:00:09:23

Why File Early?

3/5/2019
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Whether you do them yourself or pay someone else to do them for you, preparing your income taxes is probably not one of your favorite chores. Knowing you have a refund coming can make the whole process somewhat easier, but gathering your paperwork and ensuring the forms are completed correctly can still be both time-consuming and stressful. On today's show, Ralph discusses the reasons for why it is best to file early when filing your tax returns. Submit your questions or ideas for future...

Duration:00:09:23

Interview with Stefan "The Freak" Talabisco

3/2/2019
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A special bonus for our listeners is the full interview with Stefan "The Freak" Talabisco to talk with Ralph about his life as a veteran and up and coming professional boxer. With goals of boxing in venues far and wide, he reminisces about his start, what he loves most and his upcoming event, Saturday March 30, 2019, for the Night of Live Boxing! at the Hockessin Pal Center. For more information, check out his Facebook (@frankiepaul) or purchase tickets by calling 609-868-4243. For more...

Duration:00:17:29

Tax Changes for Military Members

2/28/2019
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Recent changes in tax law mean that many in uniform could see big returns when they file their 2018 taxes. On today's show, Ralph discusses how many services members and their families are likely to see substantial reductions in their overall federal taxes for 2018. 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) or visit www.askralphmedia.com for more...

Duration:00:09:23

Elizabeth Warren's Wealth Tax

2/27/2019
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Is a tax on the net worth of the ultrarich a good idea? Under Senator Warren’s plan, the tax rate on wealth would be two per cent, but it would only apply to American households worth at least fifty million dollars. On today's show, Ralph discusses his thoughts on this presidential contender's plan to tax the rich. 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...

Duration:00:09:23

Small Business Retirement Plans

2/21/2019
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What is the best retirement plan for a self-employed person? Which is the best retirement plan for a small business owner? More importantly, which is the right retirement plan for you – as a business owner? On today's show, Ralph discusses how to find the best retirement plan for you and your small business. 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) or...

Duration:00:09:23

Tax Tips for Grads

2/19/2019
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The first few years after college graduation are full of milestones. In addition to getting your degree, starting your career, moving out from your parents home and starting your new life, you will eventually need to file your taxes. On today's show Ralph discusses what graduates should take special note of when preparing their returns this year and going forward. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com. Like us...

Duration:00:09:23