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0 of 3 Premium Clicks used this month SUBSCRIBE Print + Online Subscriber Activation | Register x Forgot Password | Need an Account? e-edition | subscribe | newsletter | deals Home News Latest Stories SOU students protest university's free-speech zone Riding on the election Medford rethinks overseas staff trip to Georgia Stricker steps down from Talent council Murals offered as solution to graffiti Crime, Courts and Emergency Services Talent man and Texas fugitive arrested on drug charges in Lane County Officials warn of frauds touting fake Ebola cures Emergency services Hitchhiker arrested after allegedly trying to stab Central Point man who gave her a ride Sign of frustration Politics and Elections Riding on the election Stricker steps down from Talent council Commissioner's race: Talbert wants to diversify economy Commissioner's race: Roberts seeks accountability in government Ward 4 Q&A: George Schroeder Education SOU students protest university's free-speech zone Boys & Girls Clubs bursting at the seams Phoenix High School restores homecoming parade EP school district launches new app Striving to make the grade Environment Fear of orphaned cubs nixes new spring bear hunt Josephine County ballot measure would ban commercial and government pesticide use Low water exposes Emigrant Lake's past Wagner Creek work would restore streambank Deer-killing disease won't taint meat for hunters State news Nation - World Obituaries Marc Lee Sprang Margaret Jones John David Locke Merlin Wayne Fjarli Margaret Jones Weather Photo Galleries Since You Asked Videos Web Cams Mail Tribune 100 Sports Latest Stories Part II: This time, No. 4 SOU visits No. 3 Carroll Gutches invited to wrestle in All-Star Classic St. Mary’s boys fend off Challengers Kings of the King PREP FOOTBALL STATISTICS Varsity 541 College Sports Part II: This time, No. 4 SOU visits No. 3 Carroll Gutches invited to wrestle in All-Star Classic Young Ducks impress early Petersen’s Dawgs return to Autzen To prepare for sack-happy Utah, OSU stressing execution Pro Sports Royals’ Guthrie apologizes for post-game T-shirt Guthrie helps Royals take 3-0 lead in ALCS Americans try task force to solve Ryder Cup Klinsman: Top Americans shouldn't play in MLS Errant throw gives Giants triumph over Cards Community Sports LOCAL EVENTS LOCAL RESULTS Business Latest Stories Looking for work Frontier Airlines to end Eugene-Denver service Umpqua Holdings more than doubles net earnings Business Resource Fair has answers Erickson's Navy contract extended Real Estate News Lithia buys Clovis dealership Rental vacancies increase Jackson County real estate sales, prices continue rebound Pallet Wine Co. expands in downtown Medford Medford's Pixel Productions moves to new quarters People In Business Transportation Frontier Airlines to end Eugene-Denver service Business Resource Fair has answers Erickson's Navy contract extended Lithia buys Clovis dealership Agriculture Looking for work Umpqua Holdings more than doubles net earnings Harry & David will hold hiring fair Thursday Ranchers offer livestock exchange 1-800-Flowers CEO: Labor shortage an issue for Harry & David Opinion Latest Granlund cartoon: Crist vs Scott fan debate Jim Brock: U.S. Ebola cases could have been prevented Letters to the Editor, Oct. 16 Our View: Bearnson, Stine, Lane for Medford council 'Redskins' petition seeks to end annoyances Editorials Our View: Bearnson, Stine, Lane for Medford council Our View: No clear favorite for county commissioner, position 1 Our View: It's time to legalize marijuana Another View: Congress must act on firefighting budget Our View: Talbert is the right choice for commissioner Letters to the Editor Letters to the Editor, Oct. 16 Letters to the Editor, Oct. 15 Election Letters, Oct. 14 Election Letters, Oct. 13 Letters to the Editor, Oct. 12 Guest Opinions Infill is the answer to growth issues Guest Opinion: Who’s really to blame for 2014 wildfires? Mt. Ashland is responding to community concerns Siskiyou Plus Spring Bear Hunt: What lies beneath? Guest Opinion: Who's to blame for 2014 wildfires? Lifestyle Latest stories Officials warn of frauds touting fake Ebola cures Community blog: Will Altruism Be The Next Healthcare Breakthrough? Barry Lewis: The joys of autumn and corduroy Marketta Gregory: Teach kids love Community blog: Eggs make for economical, unconventional curry Food Community blog: Eggs make for economical, unconventional curry Mobile meals perfect for autumn forays Community blog: Green beans go global from gleaning garden Kitchen Call: Pumpkin is nothing without the spice Community blog: Battered, fried bhaji bring street food to the table Home and Garden Dear Monty: Is your real estate agent a secret agent? The best way to store your books A list to help you get ready for winter How to create a fashionable painted floor cloth Dear Monty: 7 prepping tips for home showings Health Officials warn of frauds touting fake Ebola cures Community blog: Will Altruism Be The Next Healthcare Breakthrough? Community blog: He said he hoped to die at age 75? He said that! Community blog: Listen Like You Mean it! Community blog: Listen Like You Mean it! Hiking Biking Faith Religion Briefs Religion Briefs Religion briefs First Church of Nazarene plans cleanup Religion briefs Milestones and Achievements Southern Oregon Pride parade celebrates gay marriage ruling New Arrivals Still stifling laughter 40 years after 'Young Frankenstein' New Arrivals Columnist for a Day Rogue Healthy Aging Tempo Latest stories A cappella fellas sing for schools Tutunov Piano Series begins at SOU Theater's haunted house not for faint of heart Third Fridays in downtown Medford Camelot presents 'The Lion in Winter' Theater Camelot presents 'The Lion in Winter' 'Carnage' is short, smart, darkly funny Randall Theatre presents 'Blithe Spirit' A tribute to a great lyricist 'Mrs. Mannerly' is a matter of manners Music A cappella fellas sing for schools The Farr Side: Bryan Adams releases album of influential hits Tutunov Piano Series begins at SOU Benefit for Nita Day at The Wild Goose Cafe in Ashland Call for musicians Community Events Theater's haunted house not for faint of heart Third Fridays in downtown Medford Works in progress Southern Oregon Pride Festival celebrates diversity Greater Medford Multicultural Fair Dining Agave offers tasty tacos Asian cuisine for all seasons at Misoya Bistro Spoons 'Get Giddy' at Porters Tempo Videos Classifieds Jobs Autos Real Estate FEATURED » Obituaries Blogs TV Listings Movie Listings Oregon Outdoors Oregon Healthy Living Magazines & Special Sections NEWS NOW SOU students protest university's free-speech zone ... Talent man and Texas fugitive arrested on drug charges in Lane County ... Sign of frustration ... SOU students protest university's free-speech zone ... Talent man and Texas fugitive arrested on drug charges in Lane County ... Sign of frustration ... Dave Ramsey: Buy the dream car! By Dave Ramsey More Content Now MailTribune.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 MailTribune.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 MailTribune.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 Announcements Obituaries Story ideas Since you asked 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. 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