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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 Medford police arrest gang member and his brother after short chase Territorial Seed contribution a boost for SOU food program DEA seeks to seize houses in multistate pot trafficking operation Man sentenced for shooting cat with arrow New rules about Native American mascots will be vetted Crime, Courts and Emergency Services Medford police arrest gang member and his brother after short chase DEA seeks to seize houses in multistate pot trafficking operation Man sentenced for shooting cat with arrow Emergency services, Feb. 25 Two dogs perish in east Medford house fire Politics and Elections Ballots on Jackson County marijuana tax go out Friday Brown's inauguration brings hope to local lawmakers Kate Brown sworn in as Oregon's 38th governor Gov. Kitzhaber steps down, federal investigation begins Gov. Kitzhaber announces resignation Education Territorial Seed contribution a boost for SOU food program 200-plus Jackson County students miss vaccination deadline Medford, Ashland districts fall short of anti-bullying standards Grace to assume school governance AHS principal up for national award Environment Lost Creek Lake logjam could become hazard for boaters Made in the Shade Controlled burn planned for Ashland watershed on Friday Coho salmon road trip Mt. Ashland Ski Area celebrates snow State News Judge: Oracle must host Oregon's Medicaid system Oregon Coast fish could be from Japanese tsunami Number of Oregon wolves increases Oregon seeks court order to maintain Oracle's Medicaid-hosting contract Oregon legislature mulls improvements to state ethics, public records law Nation - World Obituaries Elaine C. Chase Eunice Sleppy Death Notices "Billy" Geyer Gregory Paul Harlow Weather Photo Galleries Since You Asked Videos Web Cams Mail Tribune 100 Shareable Bank of America is predicting a massive Tesla collapse 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 Stepping Up South Medford girls perfect, again Huge rally lifts North over Roseburg Curry comes back strong to lead Warriors Raiders cruise into conference semifinals Varsity 541 College Sports Raiders cruise into conference semifinals Villanova earns share of title Ducks back in position for a tourney berth Winding Down No. 8 Kansas victimized by K-State comeback Pro Sports Curry comes back strong to lead Warriors Harden's triple-double boosts Rockets Playoffs could use overhaul A-Rod back, but avoids PED specifics Grizzlies overcome deficit to beat Blazers Community Sports Business Latest Stories Lithia Motors scores record revenue, net earnings in 4Q and 2014 Bad fourth quarter leads to 2014 loss for Erickson Avista's 4Q earnings of $32.2 million fall short of expectations Lodging gains bode well for travel industries Warm winter has fruit growers poised for action Real Estate News Housing prices climb 9 percent in Jackson County Big plans on the Butte Homes for the long haul People In Business People in Business People in Business Transportation Lodging gains bode well for travel industries Medford airport flies past January record Agriculture Warm winter has fruit growers poised for action Briefcase: Business briefs for Feb. 21 1-800-Flowers dumps Harry & David execs Nine companies pitch investment opportunities in Medford Darigold to shutter Medford plant, putting 29 out of work Opinion Latest Landgren cartoon: Mall terror threat Michelle Teheux: Will we keep heading down the wrong path? Letters to the Editor, Feb. 25 Our View: Adjusting for unintended consequences Kathleen Parker: Twitter as America's conscience Editorials Our View: Adjusting for unintended consequences Our View: Homeless food proposal is the best solution yet Our View: Smell of trouble may spark marijuana limits Voter bill secures a fundamental right Our view: Will Brown reach out to rural Oregon? Letters to the Editor Letters to the Editor, Feb. 25 Letters to the Editor, Feb. 24 Feb. 23: Letters to the editor Feb. 22: Letters to the editor Feb. 20: Letters to the editor Columns Michelle Teheux: Will we keep heading down the wrong path? Kathleen Parker: Twitter as America's conscience Guest Opinion: Bill would shore up legal aid funding Parker: Cable news twists the 'war on Islam' Independent Party focuses on the public interest Guest Opinions Guest Opinion: Bill would shore up legal aid funding Guest Opinion: Weed killers should not be sprayed on streams, homes Guest Opinion: Understanding Wes Cooley Guest Opinion: Smokers: Quit before this happens to you Guest Opinion: Our public school system is a stew pot of clashing ingredients Lifestyle Latest stories Prudence Hilburn: Chocolate wins favor among fans of many flavors Easter Island — more than just giant heads 5 Things to Do This Weekend (Feb. 27-March 1) Lost in Suburbia: Ode to Spring (with apologies to Edgar Allan Poe) Specialty painting adds wow to your walls Food Prudence Hilburn: Chocolate wins favor among fans of many flavors Maple: It's not just for syrup A lesson in patience off Old Jacksonville Highway Community blog: Clean anything with lemons, baking soda, vinegar Food for Thought: Feed your creativity with Havarti Home and Garden Specialty painting adds wow to your walls Dear Monty: Home seller questions agent ethics Home Help: Low-maintenance landscaping ideas Garden Cameos: Winter is the time to prune How to install energy-efficient windows the right way Health Community blog: And if I Die Before I Wake 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 Runners’ Corner: Helpful winter running hints Hiking Biking Faith Religion briefs: Friday, Feb. 20 Religion News: Pope makes surprise shantytown visit Religion briefs: Friday, Feb. 13 RELIGION BRIEFS, Feb. 6 Religion News: Church of England consecrates first female bishop Milestones and Achievements Anniversary: Hofer New arrivals: Sunday, Feb. 8 Columnist for a Day Rogue Healthy Aging Tempo Latest stories An all-new Rising Stars music competition kicks off this weekend Ronny Cox plays the Unitarian Fellowship SOU presents 'She Stoops to Conquer' Live Music in Local Clubs OSF kicks off its 2015 season Theater SOU presents 'She Stoops to Conquer' 'The Glass Menagerie' is polished and professional OSF kicks off its 2015 season SOU presents 'The Glass Menagerie' Le Cirque presents 'City Walk' Music An all-new Rising Stars music competition kicks off this weekend Ronny Cox plays the Unitarian Fellowship Professor Gall plays Oberon's Tavern Live Music in Local Clubs The music that made Paris famous Community Events Third Fridays showcases local artists Southern Oregon Rod and Custom Show Ashland's First Friday Art Walk showcases new exhibits by regional artists Jacksonville celebrates Chinese New Year Comedian Susan Westenhoefer pulls no punches Dining Restaurant Inspections: Sunday, Feb. 22, 2015 Saigon Xich Lo Vietnamese cuisine The zwickels shall flow Soo Rah Korean Cuisine Stylish shareables are the feature at Brickroom Tempo Videos Classifieds Jobs Autos Real Estate FEATURED » Obits Blogs TV Listings Movie Listings Oregon Outdoors Oregon Healthy Living Magazines/Special Sections Business Services NEWS NOW Judge: Oracle must host Oregon's Medicaid system ... Medford police arrest gang member and his brother after short chase ... DEA seeks to seize houses in multistate pot trafficking operation ... Judge: Oracle must host Oregon's Medicaid system ... Medford police arrest gang member and his brother after short chase ... DEA seeks to seize houses in multistate pot trafficking operation ... Dave Ramsey: Serious about getting out of debt? Comment By Dave Ramsey More Content Now MailTribune.com By Dave Ramsey More Content Now Posted Feb. 25, 2015 at 12:01 AM By Dave Ramsey More Content Now Posted Feb. 25, 2015 at 12:01 AM » Social News Dear Dave, Should you budget for mad money, or just carrying-around cash, when you’re trying to get out of debt? Aurora Dear Aurora, What really matters is the amount of mad money you allow yourself to have. Everyone needs a little pocket money. It’s probably not going to throw you off too much if you put $10 or $20 in there. But $100 or $200? That’s a bit much when you’re scrimping, saving and supposedly working hard to get out of debt. Think of it as a safety valve, Aurora. Everyone needs a break and a little fun now and then. Whether it’s grabbing lunch out, or going to a movie once in a while, you need to relax and let off little steam. Just make it part of your regular monthly budget, and stick to the amount. Little things like this will help keep your total money makeover moving in the right direction without wearing you out! — Dave It’s a better idea to pre-plan Dear Dave, My wife passed away last year, and she was just 43 years old. I paid cash for the funeral and all the arrangements. Now I’m getting solicitations from the funeral home, wanting me to prepay my own funeral. I’m 45 years old. Is this a good idea? Dave Dear Dave, God bless you and your family. I’m so sorry you have to go through this, but I’m glad to hear you were in good enough shape financially to handle the burden. That means you were both very wise with your money. My advice is to pre-plan, but don’t prepay. As you discovered, having to make important decisions in the midst of that kind of grief is a hard thing to do. Sometimes, people are so emotional during times like these that they make bad decisions. So pre-planning and making selections ahead of time is a great idea. But it’s never a good idea to prepay for this kind of thing, and here’s why. If you live to an average age, for what you’d prepay today at age 45, you could invest the amount, be self-insured for that kind of thing, and in all likelihood have a ton of money sitting there when your time comes. Events like this make you realize the need for proper planning, but don’t ever prepay them. Lots of people in the funeral industry don’t like me for this stance, but that’s just because they make lots of money on prepayment plans. — Dave Dave Ramsey is America’s trusted voice on money and business. He has authored five New York Times best-selling books, including “Smart Money Smart Kids.” “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 MailTribune.com By Dave Ramsey More Content Now Posted Feb. 25, 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 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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