Episodes

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 ...

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 continue...

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 histor...

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 y...

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 ...

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 fi...

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 my...

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 cal...

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 wh...

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 ow...

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 ...

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...

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...

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 tha...

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 tod...

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, ...

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 yo...

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 ed...

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 co...

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 ...

Despite the fact that more than 44 million Americans have student loans and their debt now totals $1.4 trillion, many people remain unclear as to how, exactly, those loans work. On today’s show, Ralph outlines federal student...

Paying for education can be quite the journey, one that offers various paths that can be taken. However, if one chooses the wrong path, the destination can easily become one of great financial burden. Let Ralph be your guide ...

While tuition costs are high and increases seem inevitable, there are ways to alleviate the financial burden. The IRS currently offers a number of incentives that can help you recoup some cash at tax time. Tax credits, as pre...

It is graduation season for many young Americans across the country. Once the diplomas have been handed out, the next step is higher education. For many of those wishing to attend college, high tuition expenses are a tough co...