Financially Confident Christian

Tax season is coming! If you and your family are staring at a pile of unfamiliar  forms that have you scratching your head, then it is most likely time to call in a professional. On today's show, Ralph discusses when and when not to call in a tax professional for your tax preparation. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia....

Are you feeling worse for wear as a result of holiday overspending in 2018? You are not alone. On today's show, Ralph reviews how to review, revise and assess your finances after a busy season of gift giving! 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...

The IRS has been warning filers all year to ensure they are withholding enough tax from their pay in order to avoid a surprise tax bill in 2019. On today's show, Ralph discusses how taxpayers can check their withholding status and year to date amounts and tips for making sure there no surprises at tax filing time! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email...

One of the most dreaded actions taxpayers have to engage in occasionally if to try and get on the line with the IRS regarding a tax problem. From hours long wait times, complicated instructions and overwhelmingly complicated terms and jargon to understand, the task is painful. Fortunately, the IRS has a process to help make resolving tax disputes with them easier and on today's shows, Ralph outlin...

On today's show, Ralph reviews and simplifies the complexity of the taxpayer bill of rights which include the right to be informed, receive quality services and to pay no more than the correct amount of tax. 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 w...

If you are a small business owner, Tax Day has a wholly different connotation than it does for most of America. While most working Americans, are excitedly anticipating the receipt of a big refund check, small business owners dread the annual scramble to gather their K1s, compile deductions, and sort through receipts. On today's show, Ralph reviews year end tax planning strategies for small busine...

Though the majority of Americans wind up getting a refund on their taxes, there are also those who end up owing money to the IRS once their returns are completed. If you are staring at a tax bill you know you ca not pay, do not panic. On today's show, Ralph discusses tax payment options like "offer in compromise" and installment plans for making that tax debt more manageable. Submit your questions...

The new year is rapidly approaching and getting organized early can save you hours of hassles when it comes time to do your taxes or evaluate your finances. On today's show, Ralph discusses six ideas for how to get financially organized before year end!   Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and...

The franchise agreement is the legal agreement that creates a franchise relationship between a franchisor and a franchisee. As a franchisee or prospective franchisee, the franchise agreement is the most critical document to your franchise investment. If you are promised something from a franchisor and you are relying on this promise, it must be contained in the franchise agreement or an amendment...

To ensure that franchises are giving prospective franchisees the proper amount of information needed to make an educated decision, the agency mandates that a Franchise Disclosure Document (FDD) be provided to the prospective franchisee. On today's show, Ralph finishes his discussion of the Franchise Disclosure Document. Submit your questions or ideas for future shows, tweet us at @askralphmedia or...

The FTC requires every franchisor to provide a franchise candidate an FDD which includes 23 Items and exhibits, including the franchisor financials and franchise agreement. The intent of disclosing this information is to enable the prospect to make an informed decision. Although each item is important, some are more important than others. On today's show, Ralph reviews the important parts of the F...

Franchising has been and from time to time can be, a shady business. In the past, due to a lack of protections and regulations regarding franchising, distrustful individuals have made use of franchising to run scams. As a result, the FTC requires the development and relay to all prospective franchise contributors of a Franchise Disclosure Document or FDD that provides buyers with validated informa...

With scores of franchise systems operating in dozens of industries, there is no shortage of choices for people interested in buying a franchise. At the same time, the numerous choices can make that decision a challenge for even the most determined would-be franchisee. On today's show, Ralph discusses the facts and figures to assist in deciding the best type of franchise for you! Submit your questi...

When considering any new investment, you (should) have a million questions, and getting started in franchising is no exception. What is the best industry? What is the best model? What are the start-up costs for franchises? How do I finance the investment? These are all fair and important questions to explore and on today's show, Ralph investigates the questions that prospective franchise owners sh...

When determining whether or not franchising is the right path to business ownership for you, there are things that must be consider. To continue our series on franchising, Ralph discusses how best to weigh the options when choosing a franchise or to franchise in general on today's show. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedi...

On today's show, we continue our series on 'Franchising Success' with a detailed discussion from Ralph into what types of business models exist for franchisors and how best to pick the right model 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 follow us on Twitter (@askralphmedia) or visit www...

Multiple mistakes can deter your path to success when venturing into the franchisor field, but with insight and hard work, those missteps can become stepping blocks to growth. On today's show, Ralph continues our series with a review of associated costs that can pop up from taking the step to franchisor. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at ask...

According to the International Franchise Association , the total number of franchises in the America is approximately 800,000 as of 2016 and employ about 9.1 million people. Franchising is no small business and should be decided carefully. On today's show we continue our 'Franchising Success' series with a discussion from Ralph on the pros and cons to franchising. Submit your questions or ideas fo...

In part two of the basics of franchising as a part of our 'Franchising Success Series' that looks into the wonderful world of franchising, Ralph discusses ins and outs of beginning a franchise and how best to start on today's show!   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 (...

Franchising is a wonderful option for people wishing to enter into business for themselves. While many people succeed, many also fail for reasons the in a lot of cases can be planned for and overcome. On today's show, Ralph outlines the basics of franchising in the first part of our "Franchising Success" series! Submit your questions or ideas for future shows, tweet us at @askralphmedia or email u...

A special bonus for our listeners is the full interview with Jodi Lynn Collins, a licensed massage therapist practicing in northern Delaware to discuss her work and how she helps her patients. Jodi specializes in sports massage, injury treatment, pain management, and neuromuscular retraining. Whether you are seeking a single session, or you wish to create a plan for better posture, improved perfor...

In coordination with the recently passed tax reform laws rolled out by the Tax Cuts and Jobs Act, the alternative minimum tax or AMT has been revised! Good news for those taxpayers taken by AMT surprise. On today's show, Ralph outlines what the AMT is, how it works and what the updates mean for your tax bill come filing season. Submit your questions or ideas for future shows, tweet us at @askralph...

Rent to own deals look and feel a lot like regular home buying, but renter-to-owners need to know the facts when making these decision. On today's show, Ralph talks about the risks and rewards of being in a rent to own relationship as a buyer or seller. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and fo...

Among the risks that married couples face in retirement, this one is unavoidable: unexpectedly becoming a widow or widower. On today's show, Ralph discusses the difficult but important concept of financial preparation for couples when tragedy strikes. Submit your questions or ideas for future shows, tweet us at @askralphmedia or email us at askralph@askralphmedia.com . Like us on Facebook and foll...

On today's show, Ralph continues his insurance FAQ series with a segment on renter's insurance by outlining what it is, how it helps and why it is a good idea for new and veteran renters. 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...