He Never Changes

When everything seems to be changing, we can rely on God’s constancy. “Jesus Christ is the same yesterday and today…

Read more →

Strategies That Shape Substance

Dave Says: Retained Earnings Are a Must + Be Professional

Dave Ramsey_Chispa Magazine - Featured

Retained Earnings Are a Must Dear Dave, My husband owns a small landscaping and masonry company. His profits over the last couple of years have been about $80,000 annually. We were wondering if we should be setting aside some retained earnings. — Kim Dear Kim, Yes, all businesses should have retained earnings. In the personal…

Dave Says: Young, Jobless and Scared + Accounting 101


Young, Jobless and Scared Dear Dave, I’m 23, and I lost a good job a few days ago due to layoffs. My wife has been a stay-at-home mom with our 10-month-old daughter, and we have very little in the way of savings. What can we do to keep our heads above water? —Seth Dear Seth, I’m…

Practicing Gratitude: An Effective Strategy for Personal Wellbeing and Professional Excellence

Practicing Gratitude-Chispa Magazine

The benefits of adopting a grateful attitude are widely recognized and supported by many reputable scientific studies, yet the practice of gratitude remains a largely under-utilized tool personal development and marketing tool. Giving thanks is one of the most effective ways to build strong relationships, both personal and professional, and it can have an amazing…

Get Inspired

Don’t Make Work Your Life. Keep Business and Personal Separate

Keep Business and Personal Separate_Chispa Magazine

Working from home is often seen as the modern dream. It’s more realistic than ever, given all the portable technology combining with cloud technology. More and more people are getting interested. Of course, much of this has to do with the fact that people have a bunch of misconceptions about what working from home entails.…

Want a Happy Life?

Happy-Chispa Magazine

“When I was a kid my mom would send me off to school each day with the words, ‘Remember: be happy! The most important thing today is that you are happy!”  —Alaric Hutchinson Does this happen to you: you get lost in the struggles and challenges of everyday life without even realizing you had days…