There is still uncertainty over when or if tax reform will be implemented; regardless, you may be able to save a bundle on your taxes if you make the right moves before the end of the year. On today's show Ralph outlines some end of the year tax planning strategies for reducing 2017 tax liability. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.  

Originally aired on Saturday, December 9th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show, holiday scams to avoid, deciding on the type of entity for your new business and Ralph sits down with Dr. Trevor Ennis of Middletown Chiropractic & Rehab Center to discuss the benefits of outsourcing for businesses seeking to manage time and better patient/client care. If you have any questions or ideas for future shows, please email us at [email protected].  Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information on Dr. Trevor Ennis, Middletown Chiropractic & Rehabilitation Center and their new location in Dover, visit their website at www.middletownchiropractors.com, or give them a call directly at (302) 415-3646 to schedule an appointment for a free x-ray and consultation today.  Advertisers: For more information on Haass Family Butcher Shop, give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover (https://www.haassmeats.com/). For more information on Sawyer Sanitation, give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service. For more information on Saggio Accounting+Plus, visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.

An audit is arguably the most dreaded outcome of the tax filing process, and the situation carries with it some unsettling mystique. The standard nightmare has IRS agents with badges showing up on your doorstep and seizing the your personal assets. On today's show Ralph debunks common myths about IRS audits. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information visit the IRS Audit FAQ

The internet has increased access to the global community, created a new online shopping economy and made sharing cat videos even easier. These innovations go hand-in-glove with intrusions from marketers and threats from criminals. On today's show, Ralph discusses steps to take control, protect yourself and keep your data safe. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information on LastPass Password Manager, visit www.lastpasss.com or download the app! For more information on Yubico security keys, visit www.yubico.com for a complete list of their products. To download the Privacy Badger, go to https://www.eff.org/privacybadger and enable "DO NOT TRACK". To test your browser, visit https://panopticlick.eff.org/ for Panopticlick 3.0 and confirm that your browser is safe against tracking.

Imagine unhurried office visits, same day or next day sick appointments, and direct contact with your doctor. Not a fantasy, but an option under direct primary care physicians (DPC). On today's show, Ralph sits down with Dr. Beth Renzulli of WELL Primary Care to discuss health coverage alternatives like DPC and the benefit to patients. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information on direct primary care, visit the Well Primary Care website at http://wellprimarycare.com/faq.html, or give them a call directly at (302)449-0079 to schedule an appointment with Dr. Beth Renzulli. 

Originally aired on Saturday, December 2nd, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show, Ralph gives pointers for protecting yourself online, outlines some end of the year tax planning strategies, and debunks common IRS audit myths. If you have any questions or ideas for future shows, please email us at [email protected].  Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. Advertisers: For more information on Haass Family Butcher Shop, give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover (https://www.haassmeats.com/). For more information on Sawyer Sanitation, give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service. For more information on Saggio Accounting+Plus, visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.

Throughout the year, many taxpayers contribute money or gifts to qualified organizations eligible for tax-deductible charitable contributions. However, the rules surrounding charitable donations can often be confusing. On today's show, Ralph discusses tips to help ensure your contribution pay off on your tax return this holiday season. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information:  Search for Charities or download Publication 78, Cumulative List of Organizations Publication 526, Charitable Contributions (PDF 178K) Publication 561, Determining the Value of Donated Property (PDF 101K) Form 1040, U.S. Individual Income Tax Return (PDF 176K) Schedule A, Itemized Deductions (PDF) Form 8283, Noncash Charitable Contributions (PDF) Instructions for Form 8283, Noncash Charitable Contributions (PDF)

The first route many small businesses take when faced with problems is to look for the latest and greatest high-tech solution. Newer does not always mean better. Sometimes going the low-tech, even no-tech, route can wind up giving your business the edge it needs. On today's show, Ralph discusses 7 low-tech tips for small business owners seeking to make a greater and more personal impact with clients. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information, read the entire article from USA Today here: Abrams, Rhonda. (2017, November 08). 7 Low-Tech Success Secrets for Small Businesses. USA Today. Retrieved from https://www.usatoday.com/story/money/columnist/abrams/2017/11/08/7-low-tech-success-secrets-small-businesses/841974001/

If you are running a business, it does not matter whether you are an independent contractor, new start-up, or or established business owner, managing accounts payable is a key part of your everyday hassle. It’s tedious, it’s time-consuming, and it costs you money. On today's show, Ralph dives into everything you need to know to create an efficient and reliable AP system for your business. Submit you questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Originally aired on Saturday, November 25th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show, Ralph discusses charitable giving for the tax-minded individual, speaks with Dr. Beth Renzulli of WELL Primary Care in Delaware about health coverage alternatives, and gets down to the basics with some low-tech tips for business owners. If you have any questions or ideas for future shows, please email us at [email protected].  Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. For more information on direct primary care, visit the Well Primary Care website at http://wellprimarycare.com/faq.html, or give them a call directly at (302)449-0079 to schedule an appointment with Dr. Beth Renzulli.  Advertisers: For more information on Haass Family Butcher Shop, give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover (https://www.haassmeats.com/). For more information on Sawyer Sanitation, give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service. For more information on Saggio Accounting+Plus, visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.

A tax audit is unlikely for most Americans, as fewer than 1% of tax returns are audited each year; however, there are some factors that could make your tax return more likely to attract the IRS's attention. On today's show Ralph shares his list of the top 5 most common red flags for return filing and gives some tips for future filing. We want to hear from you! Do you have an idea for the show? Or have a year end tax question burning a whole in your brain? Or just want to shoot us some feedback on the show? If so, please let us know by emailing us at [email protected] or tweet us at @askralphmedia.  Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.    

Ralph sits down with Candice Caruso of Pango Financial to discuss some new and innovative funding options for small business owners and entrepreneurs. To learn more about Pango Financial's DreamSpark Plan, visit www.pangofinancial.com/dreamspark-funding-options/ or contact them directLY at 1-855-WHY-PANGO (1-855-949-7264).  If you have any questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

Life in the military can demand sacrifice: some personal, some financial. Although nothing can make up for the hardship, the government does offer some special tax breaks for military professional to alleviate some of that burden. Ralph discusses military tax tips on today's show. If you have any questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected]. Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.  

Originally aired on Saturday, November 18th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show Ralph talks IRS red flags, tips for paying your bills and interviews Candice Caruso with Pango Financial about alternative funding options for new businesses. If you have any questions or ideas for future shows, please email us at [email protected].  Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. Advertisers: For more information on Haass Family Butcher Shop, give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover (https://www.haassmeats.com/). For more information on Sawyer Sanitation, give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service. For more information on Saggio Accounting+Plus, visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.

One of the most important aspects of your small business is getting paid. On today's episode, Ralph outlines some steps to help manage and collect on you accounts receivable, ensure you have a steady cash flow and keep happy customers. If you have any questions or ideas for future shows, email us at [email protected].  Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.    

Opening your own business is often a tough and learn-as-you-go process. But, the more smart decisions you make early on, the better chance your company has for success. On today's show, Ralph discusses five tips for small businesses to help you grow and run your business more effectively. If you have any questions or ideas for future shows, email us at [email protected].  Like us on Facebook, follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information.

In part two of our FAQ series, Ralph answers more listener questions we received in time for our premiere week of shows. He discusses employer retirement plans, outlines the differences between employees and contractors, and when it is best to consult a professional tax preparer. If you have any questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected].

Ralph takes listener questions we received in time for our premiere week of shows. He discusses the best way to fill out a W4 form, implications of cashing out your retirement and what tax documents you need for the upcoming filing season. Look out for part two of our FAQ series this week! If you have any questions or ideas for future shows, tweet us at @askralphmedia or email us at [email protected].

Today's first show aired on Saturday, November 4th, 2017 on WILM 1450 in Wilmington and WDOV 1410 in Dover, Delaware. On today's show, the host Ralph V. Estep Jr. introduces himself and his business, discusses what you can expect in future episode and answers some FAQs we have received in time for our first broadcast. If you have any questions or ideas for future shows, please email us at [email protected].  Like us on Facebook and follow us on Twitter (@askralphmedia) or visit www.askralphmedia.com for more information. Advertisers: For more information on Haass Family Butcher Shop, give them a call at (302) 734-5447 or visit their store at 3997 Hazlettville Road in Dover (https://www.haassmeats.com/). For more information on Sawyer Sanitation, give them a call at (302) 678-8240 and mention "Ask Ralph" to receive $5.00 off your service. For more information on Saggio Accounting+Plus, visit www.saggioaccounting.com or give them a call at (302) 659-6560 to schedule a consultation today.