Conversations

Showcasing personal interviews with famed faces, everyday women who make a difference in our society or tough topics that need addressing.

Dave Says: Refund or Better Planning?

Refund-orBetter-Planning-Chispa-Magazine

Refund or Better Planning? Dear Dave, Do you recommend having people keep their W2 numbers as close to their tax return numbers as possible, even if they might have to pay at the end of the year or have more taken out? Every year I get a big tax return. But after listening to you…

Dave Says: Hold On For Now

Dave Ramsey_Chispa Magazine - Featured

Hold On For Now Dear Dave, My husband was laid off a month ago from a job making $80,000 a year. We have no debt except our house payment. We owe about $82,000 on it, but it’s valued at approximately $300,000. We’ve also got an emergency fund of $30,000, and I work part-time making about…

Dave Says: What to Do with Restricted Stock

Dave Ramsey_Chispa Magazine - Featured

What to Do with Restricted Stock? Dear Dave, My husband works for a large company and receives restricted stock bonuses of approximately $5,000 each year. We’re not sure exactly how long they’re restricted, and we both wonder if we’re allowed to sell these options? —Patty Dear Patty, You said your husband works for a large company,…

Dave Says: How Do You Have a Wedding Without Debt

Chispa Magazine

How Do You Have a Wedding Without Debt Dear Dave, How do you have a wedding without debt? —Lynn Dear Lynn, Wow, where do I start on this one? I guess the best way is to tell the truth. Honey, that question kind of makes you sound like a little princess. How do you have a…

Dave Says: Reduce Fear + Sell As-is

A Hiring Predicament Dear Dave, I work as the executive director of a nonprofit charitable organization. Lately, I’ve been wondering if I should hire an employee as a development person. I don’t want to damage the work we do, and I can’t help but look at bringing in someone new as a gamble. Do you…

#Deliverance

Editor's Letter_Mavian Arocha-Rowe_NovDec

Having the privilege to witness the growth of songwriter, artist Debra Black [who recently announced joining forces with duo team, The Ruins], I got a sneak-peak to their soon-to-be released single, Deliverance [releasing January 22, 2016]. Words cannot describe how this song fills me in depth, gets me to my knees, and like an open…

Which Soil Are You?

Which Soil Are You-Chispa Magazine - Home Page

In today’s circuit, being green and growing your own veggies has become cool. Look at Pinterest’s success; it’s based on sharing recipes, going Paleo, and doing crafty things at home. They even have pins on good soil versus bad soil, even more interesting, Jesus himself shared a little story on this topic. In Matthew 13:1-23 the…

How Do You Get Your Husband Back Between The Sheets?

Tips For Getting Your Husband Back Between The Sheets-Chispa Magazine

Maintaining a healthy long-term marriage isn’t always easy, sometimes it can seem impossible. The main problem for many couples in long-term relationships is that after a few years, their sex life changes. This can happen for many reasons: a lack of excitement, diminished sex drives, and daily life getting in the way. While it’s normal for…