Document text
0 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 10 things to know for Monday Working on airplanes lifts his spirits up, up and away Airport Day returns May 16 Aging Happens: The ups — and downs — of moving into an adult foster care home Education Levy backers eye final push Neal Simon: This is a test Grade-school philanthropist Ashland, Scenic win Brain Bowl competitions Ten nonprofit proposals get a chance to pitch for support Environment Some trails, roads remain closed due to controlled burn Earth Day: Hope for our 'pale blue dot' Adjustments, contributions keep Mt. Ashland on course Rarely seen Pacific fisher to have prominent spot Students at Walker Elementary School in Ashland get hands dirty for Earth Day Business Ride & Drive: 2015 Dodge Challenger SRT Hellcat Silvio Calabi: Taxis and traffic in the olde worlde Airport Day returns May 16 Saturday Growers Market reopens in Ashland Harry & David weighs down 1-800-Flowers during latest quarter Politics and elections BREAKING: Baltimore prosecutor charges officers in Gray's death Arthur I. Cyr: Cuba’s enduring challenge to American foreign policy – and American politics Kent Bush: Clinton 2.0 is neither new nor improved Arthur I. Cyr: Britain’s earthquake election Council wants changes to agreement with ODOT for I-5 welcome center State News Bill under debate in Oregon would limit livestock antibiotics Oregon lawmakers begin minimum wage debate Runners to follow historic salmon migration path Nation - World There's a $10 million precious stone hidden in plain sight at Grand Central Tsarnaev convicted on all charges in Boston Marathon bombing Obituaries Death Notices Harry D. Detwiler Death Notices Death Notices Edward Joseph Pentkowski Shareable Sports Latest Stories Same old Raiders Ashland softball team rolls past Springfield Blazers head home after season marked by injuries Who's got next? Levy backers eye final push High school Ashland softball team rolls past Springfield Penn, Norvell, Baldrica pace Ashland track team at Crater Two Raiders place seventh in CCC Multis Neal, Reitman lead SOU at multi-event championships Ashland Karate Academy racks up trophies in Medford Southern Oregon University Same old Raiders Ashland softball team rolls past Springfield Who's got next? Oregon coaches, players ready to 'split up and play' Fourteen Raiders earn CCC academic honors Voices Latest Stories Granlund cartoon: More Cosby accusers Granlund cartoon: Mother’s Day messages Mark Hopkins: The Supreme Court and gay marriage Granlund cartoon: Bernie Sanders runs for president Chris Honoré: A wider context rarely discussed Editorial Our View: Reading the tea leaves Our View: Don't ignore ballot Our View: Ski area slips by Our View: Child care conundrum Our View: Fun with university funding formulas Letters Letters to the Editor, May1 Letters to the Editor, April 30 Letters to the Editor, April 29 Letters to the Editor, April 28 Letters to the Editor, April 27 Guest opinions Guest Opinion: Restoring the Plaza's sense of place Guest Opinion: Making conservation a game Guest Opinion: A good day to act Guest Opinion: Allegations unfair to Dr. Tomashefsky Guest Opinion: Fremont cottonwood is not a hazard Columns Chris Honoré: A wider context rarely discussed Guest Opinion: Restoring the Plaza's sense of place Herb Rothschild Jr: Framing the debate Guest Opinion: Making conservation a game Jeffrey Gillespie: Thoughts on marriage equality Chris Honore Council Corner Editor's Notes Jeffrey Gillespie Herb Rothschild Revels Latest Stories Five picks for entertainment this week Community blog: A poem in your pocket or smart phone or hand Movie listings: May 1-7 Trio Brasileiro plays Old Siskiyou Barn 'Ex Machina' captivates with style, big questions Theater 'Arsenic and Old Lace' has killer charm Some OSF crew members seek to unionize Ticket Availability East meets west in one-man show Backstage: Ashland Film Festival programmer Feinberg played major role in its success Music The Farr Side: CMAs do it right, in many ways Interview: Offspring plays hits new and old on tour The Farr Side: Slow disappearance of physical music On TV: Your guide to the Academy of Country Music Awards The Farr Side: Intriguing time on the Hot 100 Visual Art More films, excitement than ever for AIFF Movies Movie review: ‘Avengers: Age of Ultron’ has a lot going on Movie review: ‘Avengers: Age of Ultron’ knows how to party Catching up with the Avengers Movie listings: May 1-7 'Ex Machina' captivates with style, big questions Food and Drink Taqueria Picaro takes over Tabu space Owner of Mix and Amuse to bring Flip burger joint to Ashland Business profile: Couple opens second Pita Pit in Ashland Cruelest Month: Poetry Blog Lifestyle Latest Stories Haiku Corner: Week of April 13-18 Prudence Hilburn: Chocolate chips make cookies delightful It Is What It Is: All I want for Mother’s Day is… Mark Hopkins: Celebrating Mother’s Day Dr. Elaine Heffner: Look me in the eye Aging Happens Inner Peace Column Inner Peace Blog Rogues: Tales from the Valley Classifieds Jobs Autos Real Estate FEATURED » Obituaries Photos Videos Blogs Business Business Services NEWS NOW Chris Honoré: A wider context rarely discussed ... Airport Day returns May 16 ... Ashland Calendar, Saturday, May 2 ... Chris Honoré: A wider context rarely discussed ... Airport Day returns May 16 ... Ashland Calendar, Saturday, May 2 ... Dave Ramsey: How to help 20-something daughter Comment By Dave Ramsey More Content Now DailyTidings.com By Dave Ramsey More Content Now Posted Mar. 18, 2015 at 12:01 AM By Dave Ramsey More Content Now Posted Mar. 18, 2015 at 12:01 AM » Social News Dear Dave, My daughter is in her late 20s, and she has a good job making $50,000 a year. The other day, she told me she has $15,000 in credit card debt and has financed an expensive car she’s upside down on. Her apartment in Omaha costs $600 a month, and she is asking for help to get out of the hole. We tried to teach her how to handle money, but apparently it didn’t work. How do you think I should handle this situation? Cindy Dear Cindy, Here’s what I would tell her if she were my kid in that situation. First, I’m not paying for your problem to go away. I’d tell her to sell the car and get a cheap little beater. She’ll have to get a small loan to cover the difference, but it will rid her of a car payment. And hey, a little bit of debt is better than a whole lot of debt — especially when the debt is on something that’s going down in value. After that, she can get a part-time job and work her tail off until she cleans up the mess she made. I know all this sounds harsh, but this girl had a good thing going and she screwed it up by being impulsive and immature. Think about it; she’s making $50,000 a year, and only $7,200 of that was going toward rent. Her taxes aren’t that much, so where’s the rest of the money going? I’m guessing a big chunk is being wasted on restaurants, goofing off and other stuff she doesn’t really need. Let her wallow in it and worry about things for while first, though. Then, if she’s willing to accept responsibility for her actions, and she starts working hard toward handling her money wisely, you might help her out once in a while. Every time she pays off $1,000, you could add $500 to the next payment. But I’d test her resolve first to see if she wants it badly enough! — Dave The money’s ahead of you Dear Dave, I’m 64, and I’ve been dating a 73-year-old man for four years. We’re talking about marriage, and we’ve been discussing finances. He’s retired, but I still work part-time even though I’m in pretty good shape financially. His plan, if we get married, is to give his house and his savings to his children, while we live in my home. We’d still have his small pension, what I bring home and my savings, but I think he should invest at least half of what he has in our marriage and relationship. What do you think? Betty Dear Betty, So his wealth goes to his kids and you get to feed and take care of him until he dies? In my mind, this is not a good plan. I think what you’re discovering here is that this guy just doesn’t want to be lonely. It sounds, too, like he’s dipping into your wealth while all his stuff goes to his kids. I’d be a little frustrated with this idea if I were you. And I think the two of you need some premarital and relationship counseling before you take another step forward. Right now, you’re in third place behind his kids and his belongings. I’m not saying he has to give everything to you, but you guys definitely need to have a serious talk and find a little balance. Right now, he’s clinging to everything in one way or another, and not really offering to take care of you. In my mind, you need to be ready to take a bullet for someone when you want to marry them. And this guy hasn’t shown that he’s ready to put you first. — Dave Dave Ramsey is America’s trusted voice on money and business. He has authored five New York Times best-selling books, including “The Total Money Makeover.” “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 Mar. 18, 2015 at 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. Privacy Policy | Terms of Service | Local Media Group Publications Original content available for non-commercial use under a Creative Commons license, except where noted. DailyTidings.com | P.O. Box 1108, Medford, OR 97501