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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 Stricker resigns from Talent council 10 things to know for Thursday (No heading) Monster Dash set for Oct. 25 Rain — and snow — douses fire season Education Earth colliding with dust field left by Comet Halley Event Tuesday to honor first computer programmer Pep band conductor, 3.98 student Wurfl earns Rotary kudos AHS rated 'below average' despite high test scores Building + cooking + eating = learning Environment Fires and forests evolved together, but now people are in the mix Marijuana growers are threat to salmon, biologists conclude Annual tour shows how to live green Business Cultivating, nourishing and honoring community resources Ashland repeats as a Google 'eCity' Harry & David will hold hiring fair Thursday Silvio Calabi: Nissan’s Taxi of Tomorrow Ashland land use rule review continues Politics and elections Stricker resigns from Talent council Merkley-Wehby to debate in Medford Ashland land use rule review continues Council backs bump in tax to support buses Travel expert touts pot legalization State News Nation - World Obituaries Marc Lee Sprang Margaret Jones Merlin Wayne Fjarli Marc Lee Sprang Death Notices Sports Latest Stories SOU wrestler Gutches to compete in NWCA All-Star Classic Ashland hopes soft shells can reduce head injuries Grizzlies can't hold lead in five-set loss to Challengers Raider forward Thompson voted CCC preseason POY Guthrie, Royals edge Orioles for 3-0 series lead High school Ashland hopes soft shells can reduce head injuries Grizzlies can't hold lead in five-set loss to Challengers Ashland volleyball team pushes Summit in three-set loss Grizzlies use trick play to stun Comets Undefeated Grizzlies host Crater today Southern Oregon University SOU wrestler Gutches to compete in NWCA All-Star Classic Raider forward Thompson voted CCC preseason POY SOU football team No. 4 in latest poll Oregon special teams excel in UCLA win Southern Oregon women ranked No. 1, SOU men No. 2 in CCC preseason polls Opinion Latest Stories Granlund cartoon: Crist vs Scott fan debate Jim Brock: U.S. Ebola cases could have been prevented Our View: Fostering e-success Letters to the editor Granlund cartoon: Gas prices drop Editorial Our View: Fostering e-success Our View: Elect Talbert and Moro M. 90 lessens partisanship Our View: Seffinger for Position 4 Our View: Retain Marsh on council Letters Letters to the editor Letters to the editor Letters to the Editor, Oct. 13 Letters to the Editor, Oct. 11 Letters to the Editor, Oct. 10 Guest opinions Religion and politics in America City should revise its rules for murals Into the heart of darkness Herb Rothschild: Peace begins at the table City still ignores Plaza suggestions Revels Latest Stories (No heading) Listings for Varsity Theatre and Ashland Street Cinemas Cast makes 'The Judge' worth watching Tutunov Piano Series begins at SOU New plays debut at ANPF Theater New plays debut at ANPF Camelot Theatre presents 'Spotlight on Johnny Mercer' Southern Oregon hosts its Lunacy Theatre Festival Music The Farr Side: Bryan Adams releases album of influential hits Tutunov Piano Series begins at SOU Q&A: Becky Alter Q&A: Band du Pays Swing The Farr Side: Bennett-Gaga collaboration is a cross-generational gem Visual Art Ashland's First Friday Art Walk Movies Listings for Varsity Theatre and Ashland Street Cinemas Cast makes 'The Judge' worth watching Movie review: ‘The Judge’ doesn’t know when to end Listings for Varsity Theatre and Ashland Street Cinemas 'Gone Girl' is a dark, twisting winner Food and Drink Cruelest Month: Poetry Blog Lifestyle Latest Stories Barry Lewis: The joys of autumn and corduroy Marketta Gregory: Teach kids love Lost in Suburbia: The guaranteed, surefire Halloween candy plan 5 Things to Do This Weekend (Oct. 17-19) Dear Monty: Is your real estate agent a secret agent? Aging Happens Inner Peace Column Inner Peace Blog Classifieds Jobs Autos Real Estate FEATURED » Obituaries Photos Videos Blogs NEWS NOW (No heading) ... Calendar: Wednesday, Oct. 15 ... Merkley-Wehby to debate in Medford ... (No heading) ... Calendar: Wednesday, Oct. 15 ... Merkley-Wehby to debate in Medford ... Dave Ramsey: Buy the dream car! By Dave Ramsey More Content Now DailyTidings.com By Dave Ramsey More Content Now Posted Oct. 15, 2014 @ 12:01 am By Dave Ramsey More Content Now Posted Oct. 15, 2014 @ 12:01 am » Social News Dear Dave, I’m in college, but I’m not the typical college student. I’ve gone back to law school after working for several years. My wife and I have followed your plan, and we’re completely debt-free. I’m cash flowing school, and we’ve been fortunate enough to build up about $2 million in investments. The other day I saw what I consider to be a collectible car I’d love to have — a 1988 Pontiac Fiero that’s in excellent condition for $10,000. Should we wait until I finish school, or is it OK to buy it now? Rick Dear Rick, Wow, I’m impressed. You guys are in great shape. You’re totally debt-free, cash flowing law school and you have $2 million sitting there. My advice? As long as you’ve got the cash on hand, and it won’t hinder your college plans, your lifestyle or come out of your investments, buy the car! You’ve worked your butts off to the point that $10,000 is nothing in your world. It’s like most people buying a biscuit for breakfast. I mean, a purchase like this doesn’t even move the financial meter. Remember, there are three things you can do with money — save, spend and give. You’re in an incredible position here, so there’s no reason not to have a little fun. You’ve earned it. Now, you might have to open your own practice when you’re through. I remember the Fiero, and owning something like that might make you unemployable … I’m kidding, of course. But you guys have done a fantastic job. You’ve been smart with your money, and now there’s nothing wrong with having some fun and buying a little toy. Congratulations, Rick! — Dave Ask for expectations Dear Dave, I loaned some money to a good friend recently. He’s going to help me with a job I’m working on, so do you think I should pay him for the work or just forgive the debt instead? Charlie Dear Charlie, The big question is whether or not you’ve already agreed to pay him for the work. Another is how he views the situation. In his mind, he may just be helping a friend and looking at it as he still owes you the money. If you don’t already have an agreement, my advice would be to ask him what his expectations are. Just talk to him, find out what he’s thinking and figure out what seems fair to you both. The big thing at this point is that you’re on the same page. If you have already agreed on a certain amount, and the value of the work is pretty close to the amount you loaned him, you might talk to him about the possibility of knocking out the debt that way. He could work off the debt while helping you on this project. There’s really no right or wrong answer to this question, Charlie. However, I would recommend not loaning money to friends or family in the future. Sometimes things work out and everyone’s happy. But in most cases it changes the dynamics of the relationship. The Bible says that the borrower is a slave to the lender, and there’s a lot of truth to that statement financially and emotionally. I’ve seen situations like this go bad and even ruin friendships. It sounds like you two are good buddies and have a great bond, but if someone close to you really needs help, and you’re not enabling bad financial behavior in the process, just make the money a gift. Sooner or later this kind of thing will mess up a relationship. — Dave Dave Ramsey is America’s trusted voice on money and business. He has authored five New York Times best-selling books: “Financial Peace,” “More Than Enough,” “The Total Money Makeover,” “EntreLeadership” and “Smart Money Smart Kids.” “The Dave Ramsey Show” is heard by more than 8 million listeners each week on more than 500 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 Oct. 15, 2014 @ 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 2014 Local Media Group, Inc. All Rights Reserved. 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