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3 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 Emergency services, March 7 Willow Wind students raise money for water Motorist who died Thursday was local craftsman Famed 'Star Trek' producer Harve Bennett dies in Medford Jacksonville plans to buy more Lost Creek Lake water Crime, Courts and Emergency Services Emergency services, March 7 Emergency services, March 6 Arkansas man arrested for robbery in Medford Convicted rapist gets life without parole Learn to protect yourself in free class on identity theft Politics and Elections Ex-Merkley aide chosen as Oregon secretary of state Ashland: Budget increase, swimming pool funding discussion on council agenda Judge upholds Phoenix's moratorium on medical marijuana dispensaries Ballots on Jackson County marijuana tax go out Friday Brown's inauguration brings hope to local lawmakers Education Willow Wind students raise money for water District considers options to keep school tracks open, safe Ashland School District learns why its anti-bullying rating was low Ashland district rethinks transfer approval process MSD to save taxpayers nearly $10.5 million by refinancing Environment Catastrophic wildfires expected in Southern Oregon this summer The new normal under climate change? 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Mangino: Pennsylvania officials battle over possibility of rare execution Michael Gerson: Negotiating from weakness George Will: Stopping the IRS Dana Milbank: Netanyahu's fighting words Guest Opinions GUEST OPINION: Police, community should work to prevent profiling Guest Opinion: Don't overregulate Oregon's hemp industry Guest Opinion: Predatory banking practices bilk citizens Guest Opinion: Is less education the answer? Guest Opinion: Bill would shore up legal aid funding Lifestyle Latest stories Community blog: Airy mousse rivals ease of pudding from a box Dr. Murray Feingold: Cognitive-behavioral therapy shown to help hoarders Dr. Jeff Hersh: Gallstones affect 25 percent of American women Barbara Presnell: How are you since your husband retired? Fishing Report: Friday, March 6 Food Community blog: Airy mousse rivals ease of pudding from a box Page Onorato: Please don’t take my Goo Goo Clusters away Season Stepp: Celebrate Pi Day with these tasty pie recipes Tammy Kelly: Bring back the potatoes Pantry pride Home and Garden Dear Monty: Home seller seeks to start bidding war Paul Rogers: Looking for signs of new life Home Help: Enhance your home-office experience Specialty painting adds wow to your walls Dear Monty: Home seller questions agent ethics Health Dr. Murray Feingold: Cognitive-behavioral therapy shown to help hoarders Dr. Jeff Hersh: Gallstones affect 25 percent of American women Health Watch: Get prepped for spring break HealthStyle: Marriage care and maintenance Community blog: How I Became Radical: The Power of Acceptance Hiking Biking Faith More religion events in the Rogue Valley Religion Briefs Religion briefs, Feb. 27 Religion briefs: Friday, Feb. 20 Religion News: Pope makes surprise shantytown visit Milestones and Achievements Engagement: Workman-Wright Anniversary: Hofer New arrivals: Sunday, Feb. 8 Columnist for a Day Rogue Healthy Aging Tempo Latest stories Ashland's First Friday Art Walk showcases new exhibits by regional artists Live Music in Local Clubs Darrin Wayne steps to the plate at Rising Stars Alice DiMicele plays the Unitarian Fellowship Southern Oregon University Wind Ensemble to present 'All American' Theater TMTO's 'Bye Bye Birdie' takes flight Brava! Opera presents classic Mozart and Poulenc Review: 'Fingersmith' a twisting thriller with love TMTO presents 'Bye Bye Birdie' 'Guys and Dolls' a sure bet for dazzling entertainment Music ZEPDRIX! at the Historic Ashland Armory The Bee Eaters play Headwaters Ladysmith Black Mambazo plays the Craterian Theater Live Music in Local Clubs Darrin Wayne steps to the plate at Rising Stars Community Events Ashland's First Friday Art Walk showcases new exhibits by regional artists Jesse Lawson and Joe Moxley host 'Barkeeper' Third Fridays showcases local artists Southern Oregon Rod and Custom Show Dining Sakura Japanese Sushi Restaurant opens in new location Restaurant Inspections: Sunday, March 1 Great Outdoor Grill offers healthful options Restaurant Inspections: Sunday, Feb. 22, 2015 Saigon Xich Lo Vietnamese cuisine 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 Ex-Merkley aide chosen as Oregon secretary of state ... Famed 'Star Trek' producer Harve Bennett dies in Medford ... Jacksonville plans to buy more Lost Creek Lake water ... Ex-Merkley aide chosen as Oregon secretary of state ... Famed 'Star Trek' producer Harve Bennett dies in Medford ... Jacksonville plans to buy more Lost Creek Lake water ... Dave Ramsey: What does 'first right of refusal' mean? By Dave Ramsey More Content Now MailTribune.com By Dave Ramsey More Content Now Posted Mar. 4, 2015 @ 12:01 am By Dave Ramsey More Content Now Posted Mar. 4, 2015 @ 12:01 am » Social News p bs:newslist StartDate="20121121" EndDate="p bs:datecalc Months="3"" DateSort="1" UseObjects="1" ObjectClass="81" Taxonomywords="2325,665" ExactTaxonomyMatch="1" Image="1" Count="4" --> Dear Dave, I bought a piece of lake property not long ago, and the developer has first right of refusal if we decide to sell it. We originally looked at the property as an investment or building site, but I really don’t understand what first right of refusal means. Craig Dear Craig, A lot depends on the wording, but typically it means that you can sell property to another buyer subject to the developer not wanting to buy it back at that price. If you decided to sell within the timeframe specified in the first right of refusal contract you’d have to notify the developer you have a written offer on the property. Then you have to give him a chance to buy the lot first at that price. Or you could just ask the developer — in writing — to waive his first right of refusal if this is something you want to do. They’re in the business of selling lots, not buying them, so it may be an easy deal. — Dave Different brokers, too? Dear Dave, Is it a good idea not only to diversify among various mutual funds but also among different companies that sell mutual funds? Brian Dear Brian, There’s no need to do that. Find one good broker you’re comfortable with and who has the heart of a teacher. You want to know what’s going on with your money, and finding someone who can explain it well and help you understand the details is a must. Just make sure your broker is not directly connected to the mutual fund. You don’t want someone with a vested interest. What you’re looking for here is a person who can objectively connect you to a good mutual fund, with a solid track record of at least five to 10 years. — Dave Investment or debt? Dear Dave, I’d like to send my kids to a private Christian school, and they would begin classes the same month we’ll finally be out of debt. We would have to pay this out over the course of the school year, so would you consider this to be an investment or more debt? Ed Dear Ed, I don’t borrow money whether it’s an investment or not. But lots of private schools have tuition plans where you don’t have to borrow money, and you just make two or three payments during the academic year. I don’t know if I would really call that a debt, because you can always take the child out of the school if you see you can’t make the payment. Just make sure you carefully look over any contract involved and know what you’re getting into before you sign up for the ride. You don’t want to obligate yourself to money you don’t have, especially when you’ve worked so hard to get out of debt. Just save up, and have a place in your budget for tuition. — 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 Mar. 4, 2015 @ 12:01 am » Comment or view comments /* $( document ).ready(function() { // Jquery mobile is trying to style the button and leaving a blank gry button on top of a white button $("#viafouracoms .vf-comment-controls li.vf-right").html(' Submit '); });*/ » 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. 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