Ask Ralph: Thanks to the recession, her boyfriend is jobless; threatens to take own life

Here’s a letter from Texas. Hi Ralph. I’m a fan of your work and an avid reader of your blog even before we moved to the US. (We have been here for three years now).  From your blog, I see Continue reading Ask Ralph: Thanks to the recession, her boyfriend is jobless; threatens to take own life

Ask Ralph: The Delinquent Money-Borrower and Her Modus Operandi

Dear Ralph, I am a relatively fresh graduate working as an assistant for over a year now. Luckily, I have been able to adjust and make good friends with my officemates and bosses. Recently, when I was in the middle Continue reading Ask Ralph: The Delinquent Money-Borrower and Her Modus Operandi