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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 2014 precipitation improved, but not great, in Southern Oregon New Jackson County sheriff and commissioners sworn in 10 things to know for Monday Longtime Ashland landmark changing hands 'You can't ignore it' Crime, Courts and Emergency Services New Jackson County sheriff and commissioners sworn in Talent woman recovering after alleged vicious assault by two men Medford police track down New Year's Eve car crash suspect Emergency services Emergency services Politics and Elections Councilman stirs online dust-up with anti-marijuana post State certifies recount showing failure of GMO-labeling measure Time running out for O&C funds Education Ashland schools to implement chickenpox precautions Traveling artist sets the stage for Ruch School amphitheater Ruch school class focuses on the natural environment Bethel Church helps families at McLoughlin Middle School Logos may offer students 'fifth year' at RCC or SOU Environment Monument expansion expected to increase tourism, protect resources Biologist resigns over LNG reporting failure Bird flu discovered in Winston backyard flock Jackson County holds back on enforcing GMO ban for now No fish, no funding for problem dams State News Seabird die-off puzzles scientists Oregon fans get married Rose Bowl parking lot Earthquake off coast shakes Humboldt County Stranded sea turtle recovers at Oregon aquarium Oregon minimum wage rises to $9.25 Nation - World Obama makes Maduro’s ‘insolent Yankees’ line harder to sell Obituaries Philip Richard Lind Howard S. LaMere Carl Grant Kirkpatrick James Carl Hudson Cyriel Howard DeRoo Weather Photo Galleries Since You Asked Videos Web Cams Mail Tribune 100 Shareable In memoriam: 2014’s notable deaths Looking back: Do you remember 2014’s biggest stories? Sports Latest Stories Toledo tops Arkansas State 63-44 at GoDaddy Bowl Mavericks pick up fifth straight win No. 10 Utah humiliates UCLA Romo, Cowboys rally past Lions in wild card Colts pull away from Bengals Varsity 541 College Sports Toledo tops Arkansas State 63-44 at GoDaddy Bowl No. 10 Utah humiliates UCLA Getting defensive No more questions: TCU gave all the right answers Before leading Ducks, Young studied Mariota Pro Sports Mavericks pick up fifth straight win Romo, Cowboys rally past Lions in wild card Colts pull away from Bengals Kelly’s move was as quick as his offense Michigan’s Harbaugh attacking recruiting in dead period Community Sports Business Latest Stories Irrigation system upgrade gets a forum Ride & Drive: 2015 Honda Crosstour Positive Steps Rising prices bear fruit for local pear growers Dear Monty: Best start for 1st-time homebuyers Real Estate News Dear Monty: Best start for 1st-time homebuyers Rental owners group reports 2.48 percent vacancy rate People In Business Transportation Falling gas prices help spur travel at Medford airport Agriculture Rising prices bear fruit for local pear growers K-BAR ignites agriculture boom beneath Table Rocks Opinion Latest Granlund cartoon: Patriots versus Ravens Granlund cartoon: Potholes Granlund cartoon: GOP vs. Obama 2015 Letters to the Editor, Jan. 5 Our View: Waiting a little longer for the bus Editorials Our View: Waiting a little longer for the bus Other Views: Oregon's GMO battle is far from over Our View: Meeting in the middle keeps a mill open Our View: Help clear the air for the new year Our View: Caves expansion worth the wait Letters to the Editor Letters to the Editor, Jan. 5 Letters to the Editor, Jan. 4 Letters to the Editor. Jan. 2 Letters to the Editor, Jan. 1 Letters to the Editor, Dec. 31 Guest Opinions Guest Opinion: Get the best deal on pipeline Guest Opinion: Say yes to clean energy jobs, no to the LNG project Guest Opinion: Loved one chose death with dignity in Oregon Guest Opinion: Forest thinning means water for the future Guest Opinion: Suit threatens family farms and democratic vote Lifestyle Latest stories Blog: HAIKU MONDAY: Post-Vacation Malaise Barry Lewis: Big changes happening in 2015 It Is What It Is: The best vacation we never took Community blog: Farm share boosts resolve to eat more veggies Get A Life: Where is the common sense? Food Community blog: Farm share boosts resolve to eat more veggies Community blog: Ring in new flavors with year's last appetizers Food for Thought: Tips for cooking when you have food allergies Food for Thought: Wintertime wining and dining Kitchen Call: The comfort of creamy soups Home and Garden Home Help: Timeless or trendy? Achieve both in your home decor this year Dear Monty: Best start for 1st-time homebuyers Dear Monty: Can a rookie real estate agent be a good choice? Bathtub or shower: What’s best for you? Home Help: Home safety tips for a safe and happy winter season Health Community blog: We Don't Have To Conspire Against Good Health HealthStyle: New year, new you Health Watch: Build up your glutes in the off-season Dr. Jeff Hersh: What's a monoclonal antibody? Dr. Murray Feingold: Have a happy and stress-free holiday Hiking Biking Faith Churches start new year with messages of hope (No heading) Churches, synagogs host seasonal events Bethel Church helps families at McLoughlin Middle School Milestones and Achievements Little Yaretzi is county's first baby of 2015 Local landowners see no public good in proposed pipeline Pear Blossom queen has open heart surgery Hundreds enjoy Christmas dinner, gifts at St. Vincent de Paul SinceYou Asked: SBA would work with Mt. Ashland Ski Area about loan Columnist for a Day Rogue Healthy Aging Tempo Latest stories Next Stage presents a tribute to an iconic folk artist Live Music in Local Clubs Generation Jones plays Paddy Brannan's Pete Herzog and Dennis Walker play 2Hawk Winery Paul Turnipseed Trio at Belle Fiore Theater Next Stage presents a tribute to an iconic folk artist Camelot's 'Fiddler' is a charmer ACT presents reading of 'The Quality of Life' Meet the real Jacob Marley This Nutcracker ballet will have a superhero twist Music Live Music in Local Clubs Generation Jones plays Paddy Brannan's Pete Herzog and Dennis Walker play 2Hawk Winery Paul Turnipseed Trio at Belle Fiore Jefferson State Choral Coalition presents 'Reason for the Season' Community Events New Schneider Museum exhibits highlight First Friday Celebrate winter solstice with the Bad Film Society Tomaseen Foley's "A Celtic Christmas" returns to the Craterian Theater Stefan Baumann and Eugene Bennett highlight Third Fridays Dancing People Company celebrates the solstice Dining Jackson Creek Pizza Co. is a good downtown haunt Dobra Tea menu offers hundreds of brews Food for Thought: Wintertime wining and dining Coffee shops roll out holiday-inspired drinks Over Easy serves 'pop-up' brunch Sundays Tempo Videos Classifieds Jobs Autos Real Estate FEATURED » Obituaries Blogs TV Listings Movie Listings Oregon Outdoors Oregon Healthy Living Magazines & Special Sections NEWS NOW 2014 precipitation improved, but not great, in Southern Oregon ... New Jackson County sheriff and commissioners sworn in ... Talent woman recovering after alleged vicious assault by two men ... 2014 precipitation improved, but not great, in Southern Oregon ... New Jackson County sheriff and commissioners sworn in ... Talent woman recovering after alleged vicious assault by two men ... Dave Ramsey: Don't drop the coverage! Comment By Dave Ramsey More Content Now MailTribune.com By Dave Ramsey More Content Now Posted Dec. 29, 2014 @ 1:16 pm By Dave Ramsey More Content Now Posted Dec. 29, 2014 @ 1:16 pm » Social News Dear Dave, My husband and I are debt-free except for our home, and we have about $100,000 in savings. Recently, one of our daughters was diagnosed with Crohn’s disease. We’re worried about this, and the fact that she and her sister are both teenage drivers. Do you think we should drop full coverage, and have just liability, since we’ll probably have lots of medical bills over the next few years? — Kim Dear Kim, I’m really sorry to hear about your daughter’s medical situation. But speaking from a financial perspective, you guys are in pretty good shape to handle things. You have a pile of cash in savings, I assume you have some kind of medical insurance and you’re debt-free. Under the circumstances, I get where you’re coming from and the idea of having even more money available to put toward medical issues. In your case, however, there’s no way I’m going to have only liability coverage when there are two teenage drivers in the house. There’s a reason insurance rates are so high for teens. It’s called statistical analysis of their driving ability. They’re not good drivers! I haven’t had a wreck in over 20 years, but I’ve had some kids who did. No, I wouldn’t drop the coverage. Hopefully, your daughter will be OK. But I wouldn’t take a chance on having to write a check for another car on top of medical expenses. — Dave Dear Dave, I receive child support payments for my two kids from my ex-husband. My new husband and I are using your plan to improve our finances, but we can’t agree on how to handle these payments. I’ve been keeping it in a separate account. He thinks we should combine it with the rest of our house money and budget. What do you think is best? — Leslie Dear Leslie, I don’t blame you for being protective of the child support money. I’m sure the feelings you have stem from a desire to protect your kids. But if your new husband is a good guy, one who’s kind, loving and willing to treat these kids like they’re his very own, then my opinion is the money should go into the pile where it helps take care of the kids and family. Your job as a parent is to be a blessing to your kids. That means feeding them, clothing them, educating them and giving them a good home. As long as these things are happening, and we’re talking about a functional, loving marriage, then all the money should be combined and be part of the family. Put it right at the top of your monthly budget, along with all your other household income. Money is important, and I’d expect you to make sure your kids and your cash are treated properly. But I’m talking about two responsible people being involved in a happy marriage, too. A healthy, loving relationship is one of the best gifts any couple can give to their kids. — 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 Dec. 29, 2014 @ 1:16 pm » 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 2015 Local Media Group, Inc. 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