Ralf teaches business law and personal finance at Minnesota State University Moorhead. He learned about personal finance from his teaching, his jobs, and by making mistakes in real life — and learning from them. Ralf is a licensed attorney and has worked in global executive and management positions in the United States and his native Germany.
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Please note that our offices will be closed for a Winter Break Wednesday December 24, 2025 through Thursday January 1, 2026.
During the break Stukent Support will be monitoring incoming emails for urgent requests. We will resume normal business hours and respond to all emails and voicemails in the order received beginning Friday, January 2, 2026, at 6:00 AM MT.
Please note that our offices will be closed on Thursday, November 27th, and Friday, November 28th, in observance of Thanksgiving Day.
We will resume normal business hours beginning Saturday November 30th, at 10:00 AM MT.
Please note that our offices will be closed on Monday September 1, 2025 in observance of Labor Day.
We will resume normal business hours and respond to all emails and voicemails beginning Tuesday, September 2nd, at 6:00 AM MT.