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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 1 killed, dozens injured in tour bus crash near Redding Mt. View Estates' fill, riprap work lacked county permit Church project built on faith Rogue River alleged kidnapper arrested Since You Asked: Greenway traps set for bark beetles Crime, Courts and Emergency Services Rogue River alleged kidnapper arrested Emergency services Emergency services Monica pens letter to judge Woman says she was abducted while jogging on Johns Peak Road Politics and Elections Buckley again named Ways and Means Committee co-chairman Latest count shows Measure 92 supporters narrowing deficit Granlund cartoon: GOP wrecking balls Ballot measures played little role in mobilizing voters in state Senate race 'Euphoria' over pot initiative Education Homelessness is growing problem for Medford students Les AuCoin recommended for SOU board Good news for SOU: Enrollment's up Mom gives school lobby a makeover Crater students present play about Thoreau's night in jail Environment Mt. View Estates' fill, riprap work lacked county permit Birders sought for bird counts Grow 'em before you plant 'em Since You Asked: Biomass One makes steam-generated power Organic squash creates a bountiful harvest for ACCESS State News Resent ballots, late results likely to trigger GMO recount Nike plans 1.3 million-square-foot headquarters expansion Federal report shows Coos Bay LNG terminal would be large carbon source Oregon GMO measure may be headed for recount Oregon immigrants, activists celebrate Obama plan Nation - World Obituaries Ernest "Bud" E. Arthur Edwin Raymond William Justus Kirkman Larry Joe Pool Irene Meredith Weather Photo Galleries Since You Asked Videos Web Cams Mail Tribune 100 Sports Latest Stories SOU heading to No. 1 Carroll for quarterfinals ‘Win at all costs’ Blazers extend win streak to seven Raiders’ NAIA slate is set Ko gets record haul by winning LPGA finale Varsity 541 College Sports SOU heading to No. 1 Carroll for quarterfinals Raiders’ NAIA slate is set Beavers head to Vegas with momentum Big plays help Huskies race past Beavers, 37-13 Four Raiders come home All-Americans from NAIA Championships Pro Sports ‘Win at all costs’ Blazers extend win streak to seven Ko gets record haul by winning LPGA finale Spartans crush Blue Oregon’s Cheserek a back-to-back champion Community Sports Results / Standings Business Latest Stories Perfecting a confection Blog: Wild Times in Southern Oregon Ride & Drive: 2015 Honda CR-V Christian's Pharmacy eyes weekend changeover Blog: Medford Center no longer a "forgotten child" Real Estate News Dear Monty: Violation of HOA rules creates conflict Farmers file suit over GMO crop ban Financial webinars offered for veterans and their families Home prices rise across Jackson County People In Business People in Business, Nov. 18 People in Business, Nov. 8 Transportation Medford airport passenger counts sky high in October Erickson reports third quarter profit Lithia reports $34.5 million third-quarter profit Agriculture Farmers file suit over GMO crop ban Lawsuit seeks to overturn Jackson County's GMO ban or net $4.2 million for farms Latest count shows Measure 92 supporters narrowing deficit Revenue rises for Harry & David's parent company Where do all those leaves go? Opinion Latest Our View: Lawsuit reopens the GMO debate Letters to the Editor, Nov. 23 Dana Milbank: How the GOP can poke back against Obama Guest Opinion: Fight for the rights of independent voters will continue Guest Opinion: 'Natural' not necessarily better for forest management Editorials Our View: Lawsuit reopens the GMO debate Other Views: Legislators shbould avoid feel-good distractions Our View: Signs of controversy Our view: Richardson got the coverage, not the win Court ruling may envelop Cover Oregon Letters to the Editor Letters to the Editor, Nov. 23 Letters to the Editor, Nov. 21 Letters to the editor Letters to the editor, Nov. 19 Letters to the Editor, Nov. 18 Guest Opinions Guest Opinion: Fight for the rights of independent voters will continue Guest Opinion: 'Natural' not necessarily better for forest management Guest Opinion: County voters rebuffed judicial appointment process Fix health care reform, don't scrap it Reflections on the election in Oregon and beyond Lifestyle Latest stories Community blog: A Little Toilet Talk Anniversary: Mastain Century Club Wedding: Tomlinson-Nowak Wedding: Rodgers-Horn Food Restaurant Inspections Community blog: Finish off Thursday's feast on a lighter note Corn pudding like a ray of sunshine Keep it simple with Thanksgiving wines Homes for the holidays Home and Garden Mortgage insurance: Your questions answered Home Help: Spruce up your home with quick DIY painting projects Beyond curb appeal: When it pays to stand out Use the hidden meaning of color to enhance your home 17 things you never knew about turkeys Health Community blog: A Little Toilet Talk 'Tis the season to be jolly County resident no longer at risk for Ebola Health Watch: Holidays can trigger allergy attacks Dr. Jeff Hersh: Tackling Ebola and flu concerns Hiking Biking Faith Religion news: Pope aims to expedite sex abuse rulings Religion news: Seattle-based mega-church dissolves Religion Briefs 'Walk the talk' Religion briefs Milestones and Achievements Century Club Wedding: Tomlinson-Nowak Wedding: Rodgers-Horn Local farmers need more products in grocery stores Ashland honey festival draws swarm of visitors Columnist for a Day Rogue Healthy Aging Tempo Latest stories New 'Alice' has some for kids ... and adults The Bohemian Club A new guitar slinger in town Clayfolk Show set for this weekend at Medford Armory Caleb Klauder Band and The Steel Wheels play the Unitarian Fellowship Theater New 'Alice' has some for kids ... and adults 'It's a Wonderful Life: A Live Radio Play' opens at Oregon Cabaret Theatre 'Red Noses' a romp through slapstick and pathos SOU presents 'The Drunken City' The power of human spirit Music A new guitar slinger in town Peter Chianca: Top 40 songs even a dad could love The Farr Side: Different artists, common songs Caleb Klauder Band and The Steel Wheels play the Unitarian Fellowship Youth Symphony of Southern Oregon to perform two shows Community Events New exhibits highlight Third Fridays Clayfolk Show set for this weekend at Medford Armory Review: Randall Theatre's 'Secret Garden' still enchanting Ashland's First Friday Art Walk showcases new exhiits by regional artists Spookadelic Halloween Funktacular promises a lively dance party Dining The Bohemian Club Thanksgiving comes early at Taprock Word of Mouth: Brunch at Brothers' Restaurant Blue Toba is a cultural experience Tempo Videos Classifieds Jobs Autos Real Estate FEATURED » Obituaries Blogs TV Listings Movie Listings Oregon Outdoors Oregon Healthy Living Magazines & Special Sections NEWS NOW Mt. View Estates' fill, riprap work lacked county permit ... Church project built on faith ... Our View: Lawsuit reopens the GMO debate ... Mt. View Estates' fill, riprap work lacked county permit ... Church project built on faith ... Our View: Lawsuit reopens the GMO debate ... Dave Ramsey: Don't buy a house too soon By Dave Ramsey, More Content Now MailTribune.com By Dave Ramsey, More Content Now Posted Nov. 12, 2014 @ 12:01 am By Dave Ramsey, More Content Now Posted Nov. 12, 2014 @ 12:01 am » Social News   Dear Dave, We’ve got our starter emergency fund in place, and we’ve paid off the last of our debt. Currently, we rent an apartment but my wife really wants us to buy a house now. She also wants us to use a 30-year, 100 percent financing plan, and says this wouldn’t cost any more than we’re paying in rent. I disagree with her idea, and she’s upset with me. How can I make her see this is a bad plan? Alan Dear Alan, I think she probably knows deep down this isn’t a good plan. She’s found something she really likes, and she’s mad because you’re not going along with the idea. It’s called “house fever.” When you buy a home with nothing down and little to no money in the bank, you’re inviting Murphy and his cousins — Broke, Desperate and Stupid — to move in with you. In other words, you’ll find yourselves in a mess because you didn’t have the maturity and wisdom to wait until you had your fully funded emergency fund of three to six months of expenses in place, plus a 20 percent down payment saved up for a house. The idea that you save money because your house payment is the same, or even a little less than your rent, is a myth. It costs more to own a home, period. As a homeowner, you’re exposed to all kinds of things you never have to worry about as a renter. We all have times when we get excited by something we want and do things we shouldn’t. I’ve done it, and I’ll bet you have, too. But in situations like this, you’ve got to sit down and talk things out. I’m not sure how to get your wife to realize this or act more mature, but I do know that people who charge into things of this magnitude without thinking are the very ones who end up in my office for financial counseling or filing bankruptcy! — Dave Let a little life happen first Dear Dave, I’m 19, and I have a job making $30,000 a year. I’ve also got about $40,000 in stocks and $10,000 in savings. I want to buy a house in the near future. Should I pay cash and buy it outright, or is a 15-year mortgage OK? Sam Dear Sam, I love the idea of paying cash for a house, but I’m even more impressed that you’ve got so much you could put toward a house and a job making $30,000 a year at age 19. Man, you’re really kicking it! But the thing that keeps sticking in my mind is that you’re still just 19 years old. Now, there’s nothing wrong with being 19, but there’s also nothing wrong with waiting a few years and getting a little more life experience under your belt before you take on a mortgage. At times like this, I think about what I’d tell my own son at your age. And honestly, I think I’d advise him to wait and let life happen for a while. You’ve done some amazing things, but I think the best thing would be to keep piling up cash. Then, take a look and see how you feel and what your life is like in four or five years. You’ve got lots of time and a huge head start already. When the time is right, either pay cash or do a 15-year, fixed-rate mortgage. And if you take out a mortgage, make sure the monthly payments are no more than 25 percent of your take-home pay. — 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 Nov. 12, 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. 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