Shows
Truth Unveiled with RalphFailure Is Not Proof God Left YouHave you ever found yourself in a situation where you did everything right, followed the path you believed God called you to, and still ended up in chaos? Today, I want to ground you in this truth: Failure Is Not Proof God Left You. I speak directly to the tension you may be feeling—the confusion that comes when you’ve prayed, trusted, and taken bold steps, yet things still fall apart. It can be discouraging when your obedience seems to lead to pain instead of progress.Read today's blog articleCheck out the full podc...
2026-04-2639 min
Truth Unveiled with RalphThe Danger of Almost Following JesusToday, I want to take you deeper into a powerful and challenging idea: The Danger of Almost Following Jesus. Many of us strive to be good people and maintain a sense of spirituality, yet there is a subtle risk in settling for what feels close enough. I want you to consider this honestly—feeling near to God is not the same as fully surrendering your heart to Him. It can feel comforting, like standing near a fire and enjoying its warmth, yet never stepping fully into its transforming power.In this episode, I invite you to examine wh...
2026-04-0537 min
The VTM Podcast by Dr. Ralph ClaytonThe VTM Podcast - Episode 6 - The Three Horizons: Why Seeing Isn’t the Same as ControlIn episode six of the Volumetric Time Model series, Ralph Clayton deepens the framework by introducing one of its most practical and clarifying ideas so far: the separation of reality into three distinct horizons of access.Up to this point, the series has explored a central tension—how something can fully exist while remaining only partially accessible to an embedded observer. We’ve looked at the difference between existence and access, the experience of forecasting without power, the limits defined by the agency horizon, and the growing gap between seeing and steering.This episode takes the...
2026-03-1830 min![Talkin\' Bout [Infosec] News](https://img.transistorcdn.com/6TUVnJuOo9RJczLCVSTqQKSEP009Efkrd2DDVuwHoTI/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8xMjA4/ZmM3ZGM5YTdjNWI0/ZDUxMWVkNDhhOWM4/YjZhNy5qcGc.jpg)
Talkin' Bout [Infosec] NewsIranian Hackers Claim Responsibility for Stryker Attack - 2026-03-16This episode covers multiple cybersecurity news stories, including Iranian hackers claiming responsibility for a cyberattack on Stryker, ongoing challenges in attributing nation-state cyber operations, and broader trends in global cyber conflict. The hosts also discuss the reliability of public breach claims, emerging threats targeting critical industries, and how organizations are responding to an increasingly complex threat landscape.Join us LIVE on Mondays, 4:30pm EST.A weekly Podcast with BHIS and Friends. We discuss notable Infosec, and infosec-adjacent news stories gathered by our community news team.https://www.youtube.com/@BlackHillsInformationSecurityChat with us...
2026-03-171h 01
Leadership Sovereignty Podcast: Career Growth and PromotionRuthless Priorities: How to Get Promoted by Focusing on High-Impact WorkAre you working hard and still not getting promoted? The problem may not be your effort — it may be your focus.In this episode of the Leadership Sovereignty Podcast, host Ralph Owens and co-host Terry Baylor sit down with Rob Zelinka, accomplished CIO, to challenge one of the most dangerous myths in professional life: that hard work alone is enough to advance your career.Rob introduces the concept of ruthless priorities — the high-impact tasks that move the needle for your organization and your career, no matter what. He and Ralph unpack the difference between being busy...
2026-03-0919 min
The VTM Podcast by Dr. Ralph ClaytonThe VTM Podcast Episode 3 - The Agency Horizon: Where Control Begins to FadeIn Episode 3 of the Volumetric Time Model series, host Ralph Clayton explores a powerful concept called the Agency Horizon — the point where your actions stop meaningfully influencing the outcomes you care about.In the previous episodes, we built the foundation for this idea. Episode 1 introduced the difference between existence and access, showing how reality can be consistent while our experience of it is incomplete, delayed, and filtered through limited signals. Episode 2 introduced Forecasting Without Power — the strange but familiar experience of being able to see where a situation is heading while still feeling unable to change its dire...
2026-03-0844 min
Simple GospelEp 22 — How To Get To Where God Is — Dr. Ralph Dartey IIIn this episode, Dr. Ralph Dartey II shows us that getting to where God is is a journey. Just like David said, “Who may ascend the hill of the Lord?” and as Jesus reminds us that God is Spirit, this message calls us to stop living by our feelings or the flesh and start living by the leading of the Spirit. Tune in. It’s simple, don’t make it complicated.
2026-02-1050 min
"Hammer Time" with Ralph SchoellhammerRalph Reacts #2 - No, Europe does not have Escalation DominanceIn this conversation, Ralph Schoellhammer discusses the perceived escalation dominance of Europe over the United States, arguing that this belief is largely an illusion. He highlights the significant military, digital, financial, and energy dependencies that Europe has on the US, emphasizing that while Europe may hold some leverage, it is constrained and cannot easily achieve strategic autonomy. The discussion covers various domains, including military technology, digital infrastructure, financial markets, and energy supplies, ultimately concluding that European independence is a complex and long-term challenge.
2026-01-2130 min
The Benefit WhispererWhat If Your Most Valuable Health Plan Asset Is the Data You’ve Never Seen? (Ep. 36)Welcome to The Benefit Whisperer, where we decode the nonsense in healthcare.
In this episode, Ralph Weber is joined by Chris Condeluci, one of the nation’s leading ERISA and healthcare transparency attorneys. Chris argues that pricing data and claims information aren’t just useful, they’re plan assets under ERISA. And if that’s true, carriers, TPAs, and PBMs may be fiduciaries… whether they like it or not.
This episode unpacks:
Why plan sponsors can’t meet fiduciary duty without full data access
How compensation disclosure rules are tightening around PBMs and TPAs
Wha...
2025-12-0231 min
Jazz Epicenter 6.7Ralph Johnson’s JazzScape Journey: From Blue Note Legends to Modern IconsStep into another immersive journey through the JazzScape with Rock & Roll Hall of Fame inductee, Kennedy Center honoree, and seven-time Grammy Award winner Ralph Johnson. In this edition of Jazz Epicenter 6.7, Ralph guides listeners through a curated blend of classic jazz from the 1960s and 1970s, spotlighting the legendary artists, albums, and deep cuts that shaped modern jazz.This episode features unforgettable performances from Lee Morgan, Chick Corea, Ray Charles, Cannonball Adderley, Herbie Hancock, Miles Davis, Tanya Maria, Pat Metheny, Shirley Horn, Wes Montgomery, and many more. Ralph’s insider commentary brings historical context, personal insight, and mu...
2025-11-211h 53
The Benefit WhispererTrust, But Verify: Why Your TPA May Be Selling Your Employees’ Data (Ep. 31)Ralph Weber welcomes back Ann Lewandowski to unpack one of the most overlooked threats in benefits: your data. This episode exposes how TPAs and PBMs can legally profit from “de-identified” plan data, why HIPAA offers false comfort, and what transparency should mean in 2025. If you’re a plan sponsor, this is essential listening.
00:00 The Importance of Trust in Benefits
02:35 Understanding Healthcare Operations and Compliance
05:12 Evaluating Individual vs. Group Health Plans
08:10 The Role of Fiduciaries in Employee Benefits
10:45 Identifying Misaligned Incentives
13:18 Trust but Verify: The Need for Tr...
2025-10-2125 min
Givers, Doers, & Thinkers—A Podcast on Philanthropy and Civil SocietyCary Sanders and Ralph May & overcoming societal barriers after incarcerationThis week on Givers, Doers, & Thinkers, Jeremy Beer sits down with Cary Sanders of JumpStart and Ralph May of St. Vincent de Paul in Boise to talk about what it really takes to break the cycle of incarceration. They share personal stories of re-entry, the challenges returning citizens face, and how their organizations are building paths to rehabilitation through community support, employment, and addiction recovery. Let’s go!Sponsored by AmPhil, helping nonprofits advance their missions and raise more money: https://amphil.com/.#interview #podcast #newepisode #nonprofitCenter for Civil Society's You...
2025-10-1646 min
Leadership Sovereignty Podcast: Career Growth and PromotionAI May Not Replace Your Job — But Someone Who Knows AI Probably Will (Part 6 of 8)AI may not replace your job. But someone who knows AI probably will.In Part 6 of the Leadership Sovereignty Podcast's eight-part GenAI series, host Ralph Owens and co-host Terry Baylor tackle the career ROI of AI — and why professionals who can quantify what AI is doing for their performance will stand out in every annual review conversation they ever have. Ralph shares the pro tip that changes everything: ask AI to explain exactly how your role generates revenue for the organization. Then watch your vocabulary, your articulation, and your visibility change.Terry breaks down how us...
2025-09-2215 minSimple GospelEp 2 — Growing Through Sound Doctrine — Dr. Ralph Dartey IIIn this episode, Ralph shares a few keys to growing in the Simple Gospel. He highlights the importance of sound doctrine and tackles questions you may have wondered about but never asked. Ralph also explains how our own desires and “itchy ears” can lead us astray when we don’t want to wait on God. To help us stay rooted, he offers practical guiding points that keep us anchored in truth. Tune in to discover more.
2025-09-1552 min
Truth Unveiled with RalphThe Culture of Complaint: From Grumbling to Godly GratitudeThe primary focus of this podcast episode is the pervasive culture of complaint and the powerful transformation that occurs when we shift from grumbling to godly gratitude. We take a deep look at how constant complaining robs us of inner peace and blinds us to the everyday blessings God pours into our lives. Through scriptural insights, we emphasize the importance of aligning our hearts with God’s will by practicing intentional gratitude instead of giving in to negativity. Gratitude doesn’t just change our attitude—it strengthens our faith and draws us into deeper connection with God, even in the fa...
2025-07-1349 min
Truth Unveiled with RalphOvercoming the Inflation Illusion: Finding Financial Peace in God's TruthIn the opening episode of 'Truth Unveiled with Ralph,' the host Ralph Estep Jr. addresses the tumultuous nature of contemporary life, marked by economic fluctuations and societal upheaval. The discourse encapsulates the pervasive feelings of disorientation and anxiety experienced by many, particularly in the context of rising inflation. Ralph articulates a vision of clarity, inviting listeners to seek biblical truths that provide stability amidst the chaos of daily headlines and financial pressures. Join Ralph as he explores overcoming the inflation illusion.The episode centers on the concept of inflation, which Ralph describes as not merely an...
2025-06-2347 min
Serious PrivacyData Makes the World Go Round (with Noël Luke)Send us Fan MailIt's been a while since we last talked about cross-border data transfers, but that does not mean that all issues have resolved themselves. And while the focus may still largely be on the EU-US relations for data transfers, the core developments actually relate to the Global Cross-Border Privacy Rules. Therefore, on this week of Serious Privacy, Paul Breitbarth, Ralph O’Brien of Reinbo Consulting, and Dr. K Royal connect with Noël Luke, chief assurance officer at TrustArc. She joined TrustArc in 2015 and is responsible for overseeing and enhancing TrustArc’s robust...
2025-06-1833 min
Ralph Nader Radio HourThe MAGA Murder BillRalph welcomes Heidi Shierholz, president of the Economic Policy Institute, to break down the budget bill passing through Congress that is the largest transfer of wealth from the poor and working-class to the wealthy in United States history. Then, insurance expert, Robert Hunter returns to discuss the recent rise in auto insurance rates.Heidi Shierholz is the president of the Economic Policy Institute, a nonprofit, nonpartisan think tank that uses the power of its research on economic trends and on the impact of economic policies to advance reforms that serve working people, deliver racial justice, and guarantee...
2025-06-071h 31
Writing in the DarkSeason 3, Episode 4: Opening a PortalIn this episode, Julia F. Green and Ralph Walker welcome special guest E. J. Wenstrom to discuss Charles Yu’s short story “Open” from his 2012 story collection Sorry Please Thank You.Reading: Open by Charles YuE. J., Julia, and Ralph explore this speculative short story and its portal—in this case a literal door that appears in a living room—which may or may not save the main characters’ relationship. They discuss portals and their use in genre fiction, how Yu does so much in a small space, and his work on the TV show...
2025-05-1639 min
Financially Confident ChristianReady to Face Your Debt? Where Do You Start?Still using credit cards while trying to pay them off? You’re not alone—and you’re not broken. In this episode of Ask Ralph, Ralph gets honest about the cycle so many of us find ourselves in: making a payment on our debt, only to swipe that card again days later. It’s frustrating, discouraging, and often rooted in good intentions but faulty habits. Ralph explains why stopping the use of credit—temporarily or even permanently—isn’t extreme; it’s a faithful, practical move toward freedom. If you’re serious about breaking free from debt, it may be time to face yo...
2025-05-1409 min"Hammer Time" with Ralph SchoellhammerWill there be war? - Hammer-Time with Ralph SchoellhammerGet 50% off on the Biogena One Starter Pack with START50 at https://biogena-one.com/enRalph's German Channel: / @ralphschoellhammer-de Ralph's Substack in English: https://the1020.substack.com/Ralph's Substack in German: https://schoellhammer.substack.com/Interview with David Betz: • "The coming civil war with David Betz" Interview with Doomberg and Michael Every: • The New World Order – with Doomberg a... Ralph Schoellhammer discusses the potential for a coming revolution in the West, driven by an institutional crisis where existing political frameworks fail to adapt to contemporary challenges. He emphasizes the importance of political legitimacy, voter frustration, and the role of youth in seeking change. The conversation e...
2025-05-1126 min
Financially Confident ChristianWho can you trust for your taxes? How to choose the right professional.Finding a trustworthy tax professional is crucial, especially for small business owners like Bridgette, who fear making costly mistakes with their taxes. Ralph Estep Jr. addresses common concerns about hiring tax preparers and provides valuable insights on what to look for in a qualified professional. He breaks down the different types of tax professionals, such as certified public accountants (CPAs), enrolled agents (EAs), and tax attorneys, emphasizing the importance of credentials and experience. Ralph highlights the need for transparency regarding fees and the significance of year-round availability for addressing ongoing tax concerns. With a blend of humor and practical...
2025-02-0429 min
Financially Confident ChristianWhat is a tax refund loan and why are they such a terrible idea?Are you considering a tax refund loan because of urgent financial needs? Before you take that leap, it's crucial to understand why these loans can be a costly mistake. Host Ralph Estep Jr. dives deep into the predatory nature of tax refund loans, revealing how they often come with hidden fees that can lead you into a cycle of debt. He shares poignant stories, including that of a listener named Jessica, who is grappling with unexpected expenses and feels pressured to make a hasty decision. With practical advice and biblical wisdom, Ralph encourages listeners to explore healthier financial alternatives...
2025-01-1430 min
Ralph Nader Radio Hour2024 HighlightsSteve, David, Hannah, Jimmy, and Francesco give Ralph a well-deserved break and highlight some of the clips they want to revisit from this challenging, inspiring, fascinating, infuriating, and galvanizing year. Featuring interviews with Mumia Abu-Jamal, Dr. Feroze Sidhwa, Ryan Grim, Craig Mokhiber, and more.Featured ClipsDr. Feroze Sidhwa — Boobytraps, Bombs & Blowback (September 28, 2024)Craig Mokhiber — Israel's Wall of Impunity (December 7, 2024)Ryan Grim — Cabinet of Curiosities (November 16, 2024)Mark Dimondstein — Delivering the Election (November 2, 2024)Hamilton Nolan — The Hammer (May 11, 2024)Jonathan Kozol — Apartheid Education/Gas Station Heroin (March 23, 2024)Mumia A...
2025-01-041h 14
Financially Confident ChristianWhat are treasury inflation protected securities (TIPS) and why should someone hold them?Are you concerned about inflation eroding your savings? This episode dives into treasury inflation-protected securities (TIPS), a powerful investment tool designed to help safeguard your money from the damaging effects of inflation. Ralph Estep, Jr. shares insights on how these government-backed bonds can protect your purchasing power while offering a steady income stream. He highlights the importance of saving wisely and provides a compelling story about a teacher named James, who learned the hard way about the pitfalls of traditional bonds during inflationary times. Join Ralph as he explores practical steps to incorporate TIPS into your investment strategy, helping...
2025-01-0420 min
Financially Confident ChristianWhat are the top 7 reasons why I should not open a CD?Are you considering a certificate of deposit (CD) for your savings? Before you lock away your cash, it's crucial to understand that putting your money in a CD might not be the best choice for your financial future. Ralph Estep Jr. dives into the potential pitfalls of CDs, shedding light on limited liquidity, early withdrawal penalties, and the risks of lower returns. He shares a compelling story about a client named Martha who faced significant challenges after investing in a CD without fully understanding the implications. By the end of the episode, you'll not only gain valuable insights about...
2024-12-3121 min
Financially Confident ChristianWhat are the top upgrades you can make to your home which make it harder to sell?Home improvements can sometimes backfire, making your house harder to sell rather than increasing its value. Ralph shares a cautionary tale about his client Harold, who invested over $75,000 in upgrades, only to face an unexpected job transfer that forced him to sell. The episode delves into the types of renovations that could hurt your home’s appeal, such as luxurious appliances, garage conversions, and overly personalized design choices. Ralph emphasizes the importance of choosing upgrades that are neutral and timeless, appealing to a broad range of potential buyers. Tune in for actionable insights on how to avoid costly mistakes, ma...
2024-12-2825 min
Financially Confident ChristianWhy I probably shouldn’t consider a reverse mortgage?Are you considering a reverse mortgage as a way to tap into your home's equity? Ralph Estep Jr. dives deep into the potential pitfalls of these loans, highlighting how they may not be the financial blessing they appear to be. Through a cautionary tale about a client named Patty, Ralph illustrates the importance of understanding the hidden costs and risks associated with reverse mortgages. He emphasizes the need for thorough evaluation and consultation with a financial advisor before making such a significant decision. With a blend of personal anecdotes, practical advice, and a faith-based perspective, Ralph encourages listeners to...
2024-12-2719 min
Financially Confident ChristianWhy do people obsess over a 800 credit score when this score is just as good?Chasing that elusive 800 credit score could be the very thing blocking your financial blessings. Ralph shares the heartfelt story of Jennifer, who has put her life on hold due to her obsession with her 765 credit score, highlighting how this fixation can lead to unnecessary anxiety and missed opportunities. Drawing from his extensive experience as a credit executive, Ralph reveals that successful financial stewardship is about much more than just a number. He introduces the "three Cs" of credit—character, capacity, and collateral—emphasizing their importance over mere credit scores. Tune in as Ralph provides actionable steps to help listeners find...
2024-12-1825 min
Financially Confident ChristianWhat are 7 warning signs that my computer has been hacked?Catherine, a small business owner, faced a devastating cyberattack that locked her out of her entire life's work, demanding a ransom in Bitcoin. This harrowing experience serves as a crucial reminder of the increasing threats posed by cybercriminals, particularly to small businesses and faith-based organizations. Ralph Estep Jr. shares valuable insights on the seven warning signs that indicate your computer may have been hacked, helping listeners recognize potential threats before they escalate. He emphasizes the importance of vigilance and proactive measures to protect both personal and business digital assets. Join Ralph as he combines practical advice with spiritual discernment...
2024-12-1727 min
Financially Confident ChristianHow can I find financial harmony with my partner?Are money fights destroying your marriage? Ralph Estep Jr. tackles this pressing issue by sharing a powerful story of transformation for a couple struggling with financial conflicts. He delves into crucial year-end tax moves that could save you thousands, as well as practical advice for turning a side hustle into a thriving business. With insights on charitable giving strategies and smart deductions, Ralph provides a seven-step blueprint to end financial disputes in marriages once and for all. Join the conversation to discover how aligning financial goals with shared values can lead to harmony, financial success, and help you find...
2024-12-1437 min
Ralph Nader Radio HourIsrael's Wall of ImpunityRalph welcomes international human rights lawyer and activist, and former senior United Nations human rights official Craig Mokhiber to discuss Israel and Gaza—if Israel should be thrown out of the UN, how Trump's positions will compare to Biden's, and whether we're starting to see cracks in Israel's wall of impunity. Plus, Ralph shares a possible ray of light in Trump's cabinet, a warning about the cost of credit cards for small businesses, and some tough love for AARP.Craig Mokhiber is an international human rights lawyer and activist, and a former senior United Nations hu...
2024-12-071h 15
Financially Confident ChristianWhat are 9 retirement expenses which I may not have considered?Are you prepared for the unexpected costs that can arise during retirement? Many retirees find themselves blindsided by expenses they never planned for, which can significantly derail their financial plans. This episode dives into nine surprising retirement expenses that often catch people off guard, such as supporting adult children, unexpected dental work, and home modifications. Ralph shares real-life stories from clients who faced these challenges and offers practical tips to help listeners better prepare for their own financial futures. Join Ralph as he combines insightful financial advice with a Christian perspective, ensuring you are equipped to navigate the complexities...
2024-12-0532 min
Financially Confident ChristianDid you know Jesus died for the bad people too?Jesus offers redemption even for our financial mistakes, a powerful theme explored in this episode of the Ask Ralph podcast. Ralph Estep Jr. addresses a heartfelt question from a listener, Michael, who is grappling with the weight of his financial past, including gambling debts and the impact on his family. Through a compelling story about a client named James, who faced similar struggles and found a path to redemption, Ralph illustrates that acknowledging past mistakes and taking responsibility can lead to transformative change. The episode also outlines practical steps for financial recovery, emphasizing the importance of confession, restitution, and...
2024-12-0124 min
Financially Confident ChristianCan I use my 401-K to purchase a home?Isabella from Tennessee shares her heartfelt struggle with the realities of renting and the desire for home ownership, raising the poignant question of whether to use retirement savings for a down payment. Ralph dives into the complexities of this decision, emphasizing the need to balance immediate family stability with long-term financial security. He highlights two main options for accessing 401(k) funds: taking a loan or making a hardship withdrawal, each with its own risks and rewards. Through real-life scenarios, Ralph illustrates the potential pitfalls of sacrificing future retirement funds for today’s needs, reminding listeners that family considerations and fi...
2024-11-2331 min
Financially Confident ChristianHow can I avoid losing my retirement benefits to an online scammer?Are you worried about losing your retirement savings to online scammers? Ralph Estep Jr. tackles this critical concern by sharing personal stories and practical advice for protecting your financial future. He emphasizes the importance of discernment when it comes to investment opportunities and warns against acting under pressure, a lesson he learned from his own mother’s near-miss with a scam. Listeners will learn five concrete steps to safeguard their retirement, from establishing verification words with financial institutions to the necessity of multifactor authentication. Join Ralph as he combines real-world experiences with a Christian perspective, offering hope and strategies to...
2024-11-1216 min
Financially Confident ChristianWhat are some of the most popular misconceptions of money in scripture?Money is often misunderstood, with many believing that it is the root of all evil or that God desires Christians to be poor. This episode delves into 11 dangerous misconceptions about money in scripture that could be hindering your financial growth and spiritual well-being. Ralph Estep Jr. shares personal stories and biblical insights to clarify how wealth can be a tool for good, enabling believers to support others and serve God. By addressing common myths, such as the belief that giving to God will lead to poverty or that financial planning shows a lack of faith, he aims to empower...
2024-11-1028 min
Financially Confident ChristianWhy states with no income tax aren’t as affordable as they may seem?Are you considering a move to a no-income-tax state, dreaming it will solve all your financial problems? This episode reveals why these states might not be the financial paradise you envision. Host Ralph Estep Jr. shares the cautionary tale of his client Jim, who moved to Tennessee only to be overwhelmed by hidden costs, such as high sales and property taxes, that negated his expected savings. The discussion dives into the complexities of tax structures, emphasizing the importance of a comprehensive cost analysis beyond just income tax savings. Tune in as Ralph provides actionable advice for anyone contemplating a...
2024-10-1017 min
Everything is PersonalRock & Resilience: The Untold Story of Ralph Rickermann, Former Bassist of the ScorpionsIn this electrifying episode of Everything is Personal, host Len May sits down with rock legend Ralph Rickermann, the former bass player for the iconic band Scorpions. Known for his extraordinary contribution to the world of rock music, Ralph shares his unique journey, both on and off the stage, during his time with one of the most influential rock bands of all time.
From stories about life on tour, performing in sold-out arenas, and creating timeless music, to his personal evolution as a musician and individual, Ralph opens up about the highs and lows of being a rock star. He...
2024-10-041h 12
Financially Confident ChristianWhat are 9 unexpected costs of selling your home?Ralph dives into the often-overlooked hidden costs of selling a home, a topic that can leave many homeowners unprepared and financially strained. He outlines nine unexpected expenses, from presale home inspections to capital gains taxes, that can significantly impact your wallet. Ralph emphasizes the importance of budgeting and preparation to manage these costs effectively, drawing on real-life stories of homeowners who faced surprising hurdles during their selling process. By weaving in a biblical perspective, specifically Proverbs 24:27, Ralph underscores the value of planning and preparation in life’s major decisions. Throughout the episode, Ralph offers actionable steps to help listeners na...
2024-10-0221 min
Financially Confident ChristianIs life insurance taxable?Is life insurance taxable? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about taxes regarding life insurance. Is life insurance taxable? With Ralph Estep, Jr.In this episode of the Ask Ralph show, host Ralph Estep, Jr. addresses the question of whether life insurance payouts are taxable. Ralph explains that in most cases, life insurance proceeds are not taxable to the beneficiary, but there are exceptions. He underscores the importance of keeping beneficiaries informed and regularly updating policy details. Ralph shares personal stories to highlight the potential pitfalls...
2024-09-1214 min
Financially Confident ChristianWhat is your bank not telling you about using your debit card?Debit cards may seem like a responsible financial choice, but they could be leaving you vulnerable to devastating fraud and financial losses. In this episode of The Ask Ralph Show, host Ralph Estep, Jr. explores the hidden risks of using a debit card and provides essential strategies to protect your debit card. What is your bank not telling you about using your debit card? With Ralph Estep Jr.In this episode of The Ask Ralph Show, host Ralph Estep, Jr. shares a shocking story about a client who had their bank account drained due to debit card...
2024-09-0217 min
Financially Confident ChristianWhat are the top financial tips for transitioning into retirement?What are the top financial tips for transitioning into retirement? As you approach this significant life milestone, you may feel a mix of excitement and anxiety about financial preparedness. Ralph Estep Jr. provides a comprehensive guide to help ensure a smooth retirement transition. How Can You Develop a Retirement Income Strategy to Make Your Savings Last? | Ask Ralph PodcastIn this episode of The Ask Ralph Show, host Ralph Estep, Jr. shares essential financial tips for those preparing to retire. Drawing from his extensive experience working with clients, Ralph covers a range of crucial areas, including assessing...
2024-08-2316 min
"Hammer Time" with Ralph SchoellhammerRalph Schoellhammer on the Neil Oliver Show. 09-08-2024In a discussion on The Neil Oliver Show, Ralph Schoellhammer explores the concept of societal cohesion and the potential consequences of a diminishing shared narrative, particularly concerning youth engagement and authority in modern governance.
Key Takeaways:
Societal cohesion is crucial for maintaining community identity and stability.
The youth today experience heightened feelings of normlessness and isolation compared to previous generations.
Authorities may lack understanding of the importance of cultural cohesion, leading to increased reliance on authoritarian...
2024-08-1014 min
Financially Confident ChristianMy credit score has dropped below 700, what do I need to stop doing right away to improve my credit score?Are you frustrated by unexpected drops in your credit score? Do you feel like you're doing everything right, yet your score still takes a hit? Many people struggle with maintaining a good credit score, even when they think they follow all the rules. Imagine checking your credit score one day only to find it has plummeted below 700 points for no apparent reason. It's a shock that can leave you feeling helpless and confused. Listen to Ralph Estep, Jr. on the Ask Ralph Podcast as he explains the key factors that can unexpectedly lower your credit score and provides pro t...
2024-07-1712 min
Financially Confident ChristianHow do I handle taxes when I work in multiple states?You may be tired of dealing with multi-state tax compliance. If you are under the threat of double taxation and penalties, it can be a severe headache. Crossing state lines when working is a sure trainwreck of taxes gone wrong. This episode of the Ask Ralph Podcast with Ralph Estep Jr. is here to untangle your web of multi-state tax obligations. How do you navigate multi-state taxes to avoid double taxation and penalties? With Ralph Estep, Jr.In Episode 186 of the Ask Ralph Podcast, with your host Ralph Estep Jr., you will hear how to stay out...
2024-07-0413 min
Ralph Nader Radio HourSaving Lives On The Road/Ralph Answers Your QuestionsRalph welcomes fellow auto safety advocate, Jackie Gillan, past President of Advocates for Highway and Auto Safety, a coalition working together to reduce motor vehicle crashes, save lives and prevent injuries. Then, Ralph outlines the latest issue of the Capitol Hill Citizen and responds to your feedback from recent programs.Jackie Gillan is past President of Advocates for Highway and Auto Safety, a coalition working together to reduce motor vehicle crashes, save lives and prevent injuries through the adoption of federal and state laws, policies and programs. Ms. Gillan has held senior policy positions for three state...
2024-06-151h 26
Financially Confident ChristianSetting Limits on Smartphone Use to Help Children Thrive in a Digital WorldAre your kids addicted to using their smartphones? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses concerns that excessive smartphone use can negatively impact children's development. The Alarming Effects of Smartphone Overuse on Children with Ralph Estep, Jr.In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. raises concerns about how much children's lives revolve around screens in today's digital world. discusses how smartphones may be negatively impacting children's attention spans, sleep, and even leading to addiction. With dopamine releases from notifications and l...
2024-06-1109 min
Ralph DiPieroRalph DiPiero Uses Analytics to Drive Sales and Marketing SuccessLearn the tactics Ralph DiPiero used to successfully use analytics to drive marketing and sales. Discover how making decisions based on data may change the results of your business.
2024-05-1504 min
Ralph DiPieroDeveloping Lasting Connections: Ralph Dipiero's Guide to Cultivating RelationshipsRalph DiPiero's extensive tutorial will help you learn the art of cultivating relationships. Examine methods for creating enduring relationships that are significant. With Ralph DiPiero's experience, you may change your strategy and create partnerships that will last a lifetime.
2024-04-2405 min
The Anybody Can Do This ShowEpisode 167 - The Yoga ChatThis week, on episode 167 of the Anybody Can Do This Show, Neighbor and Ralph are joined by Montana Mitchell and May McCreery, hosts of The Yoga Chat podcast. The Yoga Chat focuses on the every day yoga experience, and emphasizes that yoga is accessible for anyone and everyone. On top of talking about their podcast, Montana and May go in depth about their yoga journeys, farting in class, and much more. They also stick around for a session of Beat or Beat Those Cheeks, which includes an all-time hygiene topic.
Before that, Neighbor and...
2024-03-261h 59
Unstoppable with Ralph Graves Jr. Show | Conversations with Unstoppable LeadersBeyond Performance: Nurturing Children's Self-Worth, w/ Tonya May AventTonya May Avent is the unstoppable author of “Using God’s Playbook for the Game of Life.” A former athlete and the mother of two former All-American athletes, Tonya focuses on ministering the gospel through a sports lens and inspiring women though difficult seasons in their lives. She is an award-winning author, engaging speaker, and contributing writer for Guideposts magazine. Join Ralph and Tonya as they cover topics such as: * Tonya’s experience as a sports mom and how she teaches kids value through sports.* Tonya’s...
2024-03-2132 min
Financially Confident ChristianCommon Money Wasters Are your everyday expenses draining your bank account like a leaky faucet? Join Ralph Estep, Jr., as he reveals the secrets to identifying and battling common money wasters who may become money monsters in your budget. LISTEN NOW Please share our Podcast with all your friends and family! Submit your questions or ideas for future shows - email us at ralph@askralph.com or leave a voicemail message on our podcast page Leave A Voicemail Message Like us on Facebook and follow us on Facebook at https://ww...
2024-03-1317 min