On today's show, Ralph discusses the dangers of using public USB charging stations and what you need to know to keep yourself and your data dafe. 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, contact him at 302-659-6560 or go to www.askralph.com for more informatio...
Oct 09, 2018•11 min•Season 2Ep. 105
A step-up in basis can be a very good thing at tax time. The term relates to capital gains tax and can save you considerable money should you ever decide to sell an asset or property that you've inherited. On today's show, Ralph gives the run-down on step-up basis to save you tax dollars come 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 visit www...
Oct 04, 2018•11 min•Season 2Ep. 104
On today's show, Ralph talks car insurance and outlines the top ten terms to know. Learning these basic terms will better your bottom line! 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, contact him at 302-659-6560 or go to www.askralph.com for more information!...
Oct 02, 2018•11 min•Season 2Ep. 103
A special bonus for our listeners is the full interview with Chad Wood, Business Manager of Hannum's Harley-Davidson® where he discusses with Ralph the ways in which the company is working to court new riders with tech and transparency initiatives, while still maintaining their core identity with their classic riders in this new era. For more information about Hannum's Harley-Davidson® visit their website at www.hannumshd.com or stop by one of their 5 store locations in Media, Chadds Ford, Selle...
Sep 15, 2018•30 min
It is clear that your credit score can always be improved; however, it is not clear how one can go about bettering their score. Tune in to today's show where Ralph discusses ways to improve a credit score. 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, contact him a...
Sep 04, 2018•11 min•Season 2Ep. 95
The dreaded credit report. One document that can make or break your future finances. Everyone has one but do you know how to read one? Tune into today's show where Ralph walks you through what exactly the credit report shows and how to measure your financial future. 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...
Aug 30, 2018•11 min•Season 2Ep. 94
Join our show sponsor, Haass Family Butcher Shop, in Dover for their 6th Annual Haass Family Butcher Shop BBQ Brawl on September 14th & 15th, 2018. It is is one of Delaware's most anticipated annual events. Mark your calendars now! The 2-day event kicks off Friday (September, 14th 2018). Enjoy an old fashioned lobster boil, local brews, and dance the night away with The Jimmy Cochran Band. All tickets available on Eventbrite ($30 per person) and include taxes and fees for dinner, music and f...
Aug 29, 2018•3 min
In today's world, you are defined by a number. A three digit number that illustrates the type of person you are in the eyes of businesses and lenders alike. This number is your credit score. Tune in to today's episode where Ralph discusses the ins and outs of the credit score. 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 ...
Aug 28, 2018•11 min•Season 2Ep. 93
Check out today's episode where Ralph discusses the basics of building credit in a continuation of our credit how to series! 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, contact him at 302-659-6560 or go to www.askralph.com for more information!...
Aug 24, 2018•11 min•Season 2Ep. 92
On today's show, Ralph continues our series on credit basics for part FOUR to discusses how to build your credit back up and establish a strong credit history. 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, contact him at 302-659-6560 or go to www.askralph.com for m...
Aug 21, 2018•11 min•Season 2Ep. 91
A special bonus for our listeners is the full interview of Jordan Irazabal of TheDelaware3000.org who is on a mission to photo document active Delaware tag numbers 1-1000, C1-C1000 and PC1-PC1000. Like the project and follow Jordan's progress on Instagram and Facebook (@thedelaware3000) or visit his website at http://www.thedelaware3000.org for more information. Subscribe to our Podcast for more content! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at a...
Aug 18, 2018•21 min
Good credit can save thousands of dollars in interest in everything from credit cards, to a mortgage loans. For many people, establishing or rebuilding bad credit is nothing short of a mystery. On today's show, Ralph continues our series on credit basics for part three to discusses how to build your credit back up. 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) o...
Aug 16, 2018•11 min•Season 2Ep. 90
Scared off by the high interest rates, many adults are choosing to avoid credit cards and the risks they present to anyone who carries a balance. But not using credit at all comes with its own risks. Lenders use credit history when deciding whether to give you a loan. No credit history, makes the possibility of gaining financing very difficult. Tune in to today's episode where Ralph discusses the steps to take to build your credit score in part two of our series on credit basics. Submit your que...
Aug 14, 2018•11 min•Season 2Ep. 89
Taking care of your credit history, takes case of you. Building credit can be a challenging task. The most challenging part is knowing how to start. Tune into today's episode where Ralph discusses the steps to take to build your credit score in part one of our Credit Basics series. 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 ...
Aug 09, 2018•11 min•Season 2Ep. 88
Anyone who ever wants to finance a car, a house, take out a loan, open a store card , etc. must participate in the credit olympics. Just like the widely celebrated competition, you must qualify to compete. Tune into today's show where Ralph discusses the different ways in which one can increase their ability to meet the qualifications lenders look for and get perfect scores. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Li...
Aug 07, 2018•11 min•Season 2Ep. 87
In today's world the number one question you need to ask and answer is am I worthy of credit? There are five categories that need to be accessed to determine the answer. Tune in to today's show where Ralph will discuss the five C's of credit analysis and provide insight on just what each one entails and how you can make them work for you and your bottom line. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Faceboo...
Aug 02, 2018•11 min•Season 2Ep. 86
Owning a house has always been a part of the American Dream. How quickly that dream can turn into a nightmare when the mortgage payments begin to be paid. Tune in to today's episode where Ralph discusses the seven mortgage myths that should be considered before you buy. 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 informa...
Jul 31, 2018•11 min•Season 2Ep. 85
Over 16.3 million robocalls have been made this year to date. We all receive these nuisance calls but what exactly is the reason why and how do we stop them? Tune in to today's episode where Ralph provides insight on Robo calls the new telephone scam. 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...
Jul 26, 2018•11 min•Season 2Ep. 84
You go to the mailbox and collect the mail. While sorting through the bills and junk mail, your heart stops... you have received a notice from the IRS saying you are being audited. Before you panic, tune in to today's show where Ralph will help you through the process of an audit and how to handle it correctly. 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 vi...
Jul 24, 2018•11 min•Season 2Ep. 83
The math has changed on entity choice under the new tax code effective in 2018 for businesses. The spread between corporate rates and the individual rates that apply to pass throughs has widened dramatically. Many business owners taxed as pass throughs are wondering if now is the time to switch to C corporation status. On today's show, Ralph outlines whether or not to change your entity type post-new tax code. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email u...
Jul 19, 2018•11 min•Season 2Ep. 82
Today is the day! You have the interview of a lifetime ahead of you for your dream position. You are dressed for the part, you have the smile, you even have the confident strut down, but can you talk the interview talk? Tune in to today's show where Ralph highlights six phrases you should avoid during an interview. 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) o...
Jul 17, 2018•11 min•Season 2Ep. 81
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 steps to avoid a tax surprise in the upcoming 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 Tw...
Jul 12, 2018•11 min•Season 2Ep. 80
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 avoid the black hole and be a happy timeshare owner. 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 ...
Jul 10, 2018•11 min•Season 2Ep. 79
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 know how this works when shopping "off line" because there is a sales receipt wherein state and possibly local sales tax is added to your bill, collected by the...
Jul 05, 2018•11 min•Season 2Ep. 78
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 the most out of FASFA that will help you turn that bully upside down and shake it till every penny comes out of its pockets and into your education. Submit your questions or ideas for future shows, tweet us at @askralphmedia or emai...
Jul 03, 2018•11 min•Season 2Ep. 77
Everyone likes the idea of a promised future. The recent development of the 529 plan allows for proactive parents and grandparents the opportunity to deliver that promise to their children and grandchildren. On today’s show, Ralph will discuss everything there is to know about the 529 plan, all it offers, and learn how one can start building a future for one’s kids. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on ...
Jun 29, 2018•11 min•Season 2Ep. 76
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 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 tax consult...
Jun 27, 2018•11 min•Season 2Ep. 75
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 @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 tax consultation ...
Jun 26, 2018•11 min•Season 2Ep. 74
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 the wrong one and you may pay for it well into your golden years. On today’s show, Ralph guides you through the various FAFSA options available, discussing the qualifications, requirements and terms for ea...
Jun 22, 2018•11 min•Season 2Ep. 73
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 askralph@askralphmedia.com . Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. To schedule a tax consultation with Ralph's team, contact him ...
Jun 20, 2018•11 min•Season 2Ep. 72
