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3 of 3 Premium Clicks used this month SUBSCRIBE Print + Online Subscriber Activation | Register x Forgot Password | Need an Account? subscribe | newsletter | deals Home News Latest Stories Police Reports Ashland man's killer sentenced to 25 years to life Hands-on lessons about art, food and teamwork Reading for sport builds mental muscles 10 things to know for Friday Education Hands-on lessons about art, food and teamwork Reading for sport builds mental muscles Middle school to sell discounted books AHS Principal Zundel up for national award Library receives grant Environment Controlled burn planned for Ashland watershed on Friday Mt. Ashland Ski Area celebrates snow GMO opponents can join Jackson County in defending ban Grant will help restore 'legacy' oak habitat in Southern Oregon and Northern California Mt. Ashland Ski Area crew dips to five Business Ride & Drive: 2015 Kia Soul EV Sammich does it Chicago-style Ride & Drive: 2015 Nissan GT-R Ride & Drive: 2015 Dodge Challenger R/T Scat Pack Silvio Calabi: Range Rover Sport, the off-road GT Politics and elections Ballots on Jackson County marijuana tax go out today Kate Brown sworn in as Oregon's 38th governor Gov. Kitzhaber steps down, federal investigation begins Successor Kate Brown must run for election in 2016 Sadness, relief greet Kitzhaber resignation locally State News Kate Brown sworn in as Oregon's 38th governor Federal investigation of Kitzhaber to focus on potential financial crimes Gov. Kitzhaber announces resignation Read Gov. John Kitzhaber's statement on his resignation Legislative leaders join in call for Kitzhaber resignation (updated) Nation - World Obituaries Michael Martin Gandee Death Notices Robert Harvey Miller Leo Allen Zupan Gary Dean Wilkerson Shareable Mars One attracts science fiction geeks and people who hate society This $1 million Mercedes is like an armored private jet for the road Sports Latest Stories It's the Knights' night Malcolm's big night powers Ashland past N. Eugene Burke's 19 helps Utah Jazz upend Trail Blazers No. 8 Raider women look to keep momentum going at home Much on the line for SOU men High school Malcolm's big night powers Ashland past N. Eugene Grizzlies suffer another tough loss; SOU softball team sweeps BC Millers smother Grizz on senior night Crater girls, boys cruise to victory in Midwestern League blowouts Grizz boys' upset bid falls just short in loss to Churchill Southern Oregon University It's the Knights' night No. 8 Raider women look to keep momentum going at home Much on the line for SOU men Grizzlies suffer another tough loss; SOU softball team sweeps BC His time to shine Voices Latest Stories Relocations: The blood on our hands Our View: A welcome decision Matthew T. Mangino: Crime, intrigue and politics in Pennsylvania Feb. 20: Letters at length On the road to a Grecian spurn Editorial Our View: A welcome decision Our view: GOP's last gasp on low carbon fuel bill Our view: Mt. Ashland shines Our View: Pooling resources Our View: Support schools — again Letters Feb. 20: Letters at length Feb. 18: Letters to the editor Letters to the Editor, Feb. 14 Letters to the Editor, Feb. 11 Letters to the Editor, Feb. 10 Guest opinions Guest Opinion: Legal poisons in our waters Chris Honoré: Public schools: separate, still unequal Guest Opinion: Why so anxious to tax marijuana? Herb Rothschild Jr.: A good day for peace Guest Opinion: A message to my health care colleagues Columns Relocations: The blood on our hands On the road to a Grecian spurn Kent Bush: Mars One is more reality television than rocket launch GOP sometimes just can't help itself Editor's notes: Want to make your own newspaper? Revels Latest Stories 'Much Ado About Nothing' kicks off OSF's 2015 season Listings for Varsity Theatre and Ashland Street Cinemas Moore's journey is moving in 'Still Alice' A look at the first plays SOU presents 'The Glass Menagerie' Theater Ticket Availability Joyous re-launch of 'Dames at Sea' Ticket Availability 'Words' wordsmith went from copywriting to playwriting 'Dames at Sea' opens at Oregon Cabaret Theatre Music Victor D. Infante: Just in time for Valentine’s Day, some favorite breakup songs The Farr Side: Smith dominates, Beck surprises at Grammys Frisell brings fine-tuned act to Armory Visual Art Ashland's First Friday Art Walk showcases new exhibits by regional artists Movies Andrea Honaker: The tight race for Best Picture Movie review: Second dip in ‘Hot Tub Time Machine’ fails to live up to original Movie review: Kevin Costner helps make ‘McFarland, USA’ a good movie Movie review: Missed opportunities mar ‘The Duff’ Listings for Varsity Theatre and Ashland Street Cinemas Food and Drink Cruelest Month: Poetry Blog Lifestyle Latest Stories Crying: Doorway to self-cleansing and inner peace Dr. Murray Feingold: Does a sedentary lifestyle make you prone to disease? Dr. Jeff Hersh: Breathe easy - all about lung function Health Watch: Health improvements you can make today that will pay off for a lifetime Community Blog: Three Modes of Being Aging Happens Inner Peace Column Inner Peace Blog Classifieds Jobs Autos Real Estate FEATURED » Obituaries Photos Videos Blogs Business Business Services NEWS NOW Calendar: Saturday, Feb. 21 ... Ashland man's killer sentenced to 25 years to life ... Calendar: Friday, Feb. 20 ... Calendar: Saturday, Feb. 21 ... Ashland man's killer sentenced to 25 years to life ... Calendar: Friday, Feb. 20 ... Dave Ramsey: Stop contributing to 401(k) to save money? Comment By Dave Ramsey More Content Now DailyTidings.com By Dave Ramsey More Content Now Posted Feb. 18, 2015 @ 12:01 am By Dave Ramsey More Content Now Posted Feb. 18, 2015 @ 12:01 am » Social News Dear Dave, I’m 30 and debt-free. Do you think I should stop making contributions to my 401(k) account for a year in order to save up an emergency fund? Beth Dear Beth, Yes, I do. But it shouldn’t take you a year to set aside an emergency fund if you’re debt-free and making decent money at your job. Just make it part of your monthly budget plan, grit your teeth and do it! I recommend that people put off or stop investing until they are debt-free, except for their home, and have an emergency fund of three to six months of expenses in place. In some cases, depending on how much debt they have, it could take three or four years to do all this. I know it seems like a long time, but it’s really not in the grand scheme of things. Here’s the way I look at it. If you have no emergency fund, but you’re contributing to your 401(k), there’s a good chance you’ll end up cashing out your 401(k) if a large, unexpected expense comes along. When you cash out a 401(k) early, you get hit with a penalty plus your tax rate. That’s not a good plan! That’s just one of the reasons I tell people to have an emergency fund in place before they start investing! — Dave A waste of money? Dear Dave, I have a question about home warranties. Are they a waste of money if you already have a fully-funded emergency fund, with six months of expenses or more set aside? Andy Dear Andy, In my opinion, they’re a waste of money even if you don’t have that much set aside for emergencies. I recommend an emergency fund of three to six months of expenses to cover the unexpected things that life will throw at you. This amount of cash, sitting in a good money market account with check writing privileges, will give you easy access in the event of a financial emergency. I don’t do extended warranties of any kind, Andy. They’re not a good deal. You’re better off to self-insure against things breaking down, and put what would have been profit and marketing dollars for the extended warranty company in your own pocket! — Dave Dave Ramsey is America’s trusted voice on money and business. He has authored five New York Times best-selling books, including “More Than Enough.” “The Dave Ramsey Show” is heard by more than 8.5 million listeners each week on more than 550 radio stations. Follow Dave on Twitter at @DaveRamsey and on the Web at daveramsey.com. By Dave Ramsey More Content Now DailyTidings.com By Dave Ramsey More Content Now Posted Feb. 18, 2015 @ 12:01 am » Comment or view comments Reader Reaction » STAY INFORMED Email NewsLetter Sign Up Today Sign up for our newsletter and have the top headlines from your community delivered right to your inbox. calendar Connect with DailyTidings.com Facebook Twitter RSS Back to top Reader Services Reader Services home Subscriptions Subscriber controls Contact us Submissions Photos Events Letters to the editor Corrections Alerts Email alerts RSS feeds Text Alerts Advertise Media Kit Home Products and services Ad rates Advertising contacts Mail Tribune Daily Tidings The Nickel Shop Our Valley Blogs Stay Informed Email newsletter Sign Up Today Sign up for our newsletter and have the top headlines from your community delivered right to your inbox. Your privacy is important, read our privacy policy. © Copyright 2015 Local Media Group, Inc. All Rights Reserved. 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