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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 Trail man allegedly hit mother with hatchet Clash with officers lands Medford man in jail on multiple charges UO students offered antibiotics after death of acrobatics athlete 10 things to know for Wednesday Emergency services, Feb. 18 Crime, Courts and Emergency Services Trail man allegedly hit mother with hatchet Clash with officers lands Medford man in jail on multiple charges Emergency services, Feb. 18 Emergency Services, Feb. 17 Emergency services, Feb. 16 Politics and Elections Kate Brown sworn in as Oregon's 38th governor Gov. Kitzhaber steps down, federal investigation begins Gov. Kitzhaber announces resignation Successor Kate Brown must run for election in 2016 Community leaders saddened by governor's departure Education Today is exclusion day for kids who don't have required vaccines A question of punishment Logos to receive a slice of Wes Howard Memorial Sports Park Medford School Board OKs full-day kindergarten Former superintendent sues district, board member Environment Coho salmon road trip Mt. Ashland Ski Area celebrates snow Company fined for illegally dumping asbestos in White City Solar pavilion going up at Coyote Trails GMO opponents can join Jackson County in defending ban State News Kate Brown sworn in as Oregon's 38th governor Oregon Senate advances low-carbon fuel law Brown says inauguration speech will focus on restoring trust in government Oregon chub first fish to be officially taken off endangered list Day of transition in Oregon Legislature as Kitzhaber's exit nears Nation - World Obituaries Arthur �Art� S. Backlund Death Notices Lynn Ann Latham McCoy Lane Itol A. Downing Grant Edward Cochran Weather Photo Galleries Since You Asked Videos Web Cams Mail Tribune 100 Shareable 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 Karl introduced as 3rd Kings coach of season Crater rally denies EP North Medford girls hold off Cavers Kentucky defense keys win over Vols LOCAL REPORT Varsity 541 College Sports Kentucky defense keys win over Vols W. Virginia squeaks by Kansas, 62-61 Senior's swan song Afengus, Champion to coach soccer, women's wrestling Harrison, Hendrix homer in OSU loss Pro Sports Karl introduced as 3rd Kings coach of season Pitchers, catchers will report this week Questions surround top quarterback prospects Teams mull options as trade deadline nears Blazers content at the halfway point Community Sports Business Latest Stories Blog: Alaska Airline, brimming with confidence, adding six extended-range Boeing 737s by 2016 Josephine County to approve Southern Oregon business recruiting contract Blog: An empire built on a plastic-block foundation Ride & Drive: 2015 Nissan GT-R Oregon Retina Specialists will expand into new building Real Estate News Housing prices climb 9 percent in Jackson County Big plans on the Butte Homes for the long haul New owners of Medford Center promise a hands-on approach: People In Business People in Business Transportation Medford airport flies past January record The heart of Brammo will remain Agriculture 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 Letters to the editor, Feb. 18 Our view: Expulsions hurt students, district, community Islamic State's atrocities demand ... what? Letters to the Editor, Feb. 17 Our View: Independent Party of Oregon faces obstacles Editorials Our view: Expulsions hurt students, district, community Our View: Independent Party of Oregon faces obstacles Our View: A sad end to a historic career Our View: Time to end the vaccine exemption Our View: Hemp hemp, hooray — old crop is new again Letters to the Editor Letters to the editor, Feb. 18 Letters to the Editor, Feb. 17 Letters to the Editor, Feb. 16 Letters to the Editor, Feb. 15 Letters to the Editor, Feb. 13 Columns Islamic State's atrocities demand ... what? Michael Gerson: A call for 'patient pluralism' Kathleen Parker: No excuse for juicing the story Dana Milbank: Remembering the remarkable Kayla Mueller George Will: Curb your pessimism about terrorism Guest Opinions 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 Guest Opinion: How long will we look the other way? Lifestyle Latest stories Season Stepp: Cooking Chinese food should not intimidate you Garden Cameos: Winter is the time to prune Page H. Onorato: Food items help define the South Debbie Snyder: Fleas annoy you and your pet Brent St. Germain: King cake is my kryptonite Food Season Stepp: Cooking Chinese food should not intimidate you Page H. Onorato: Food items help define the South There's a whole universe of chili outside Texas Citrus sensations Community blog: It's time to lavish love on heart-healthy lentils Home and Garden Garden Cameos: Winter is the time to prune How to install energy-efficient windows the right way Dear Monty: Nine downsizing tips for seniors Carol Link: Prime time for pruning blueberries approaches Home Help: DIY home upkeep projects for every season Health Runners’ Corner: Helpful winter running hints Today is exclusion day for kids who don't have required vaccines Community blog: Your Brain on Love Health Watch: The rise of wearable fitness tech Community blog: Are You Losing or Gaining on Your Investment in Health? Hiking Biking Faith Religion briefs: Friday, Feb. 13 RELIGION BRIEFS, Feb. 6 Religion News: Church of England consecrates first female bishop Religion briefs Religion briefs, Jan. 23 Milestones and Achievements New arrivals: Sunday, Feb. 8 Columnist for a Day Rogue Healthy Aging Tempo Latest stories The music that made Paris famous SOU presents 'She Stoops to Conquer' 'Much Ado About Nothing' kicks off OSF's 2015 season Blues Jam at The Little Brown Jug Southern Oregon Jazz Orchestra Theater SOU presents 'She Stoops to Conquer' 'Much Ado About Nothing' kicks off OSF's 2015 season SOU presents 'The Glass Menagerie' Le Cirque presents 'City Walk' 'Seven Brides for Seven Brothers' Music The music that made Paris famous Blues Jam at The Little Brown Jug Southern Oregon Jazz Orchestra 'Broadway's Next Hit Musical' Live Music in Local Clubs Community Events 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 Paula Poundstone performs at the Craterian Dining The zwickels shall flow Soo Rah Korean Cuisine Stylish shareables are the feature at Brickroom Sandwiches and burgers are hits at The Rogue Chef The Vine offers a taste of Italy Tempo Videos Classifieds Jobs Autos Real Estate FEATURED » Obituaries Blogs TV Listings Movie Listings Oregon Outdoors Oregon Healthy Living Magazines & Special Sections NEWS NOW Trail man allegedly hit mother with hatchet ... Kate Brown sworn in as Oregon's 38th governor ... UO students offered antibiotics after death of acrobatics athlete ... Trail man allegedly hit mother with hatchet ... Kate Brown sworn in as Oregon's 38th governor ... UO students offered antibiotics after death of acrobatics athlete ... Dave Ramsey: Stop contributing to 401(k) to save money? Comment By Dave Ramsey More Content Now MailTribune.com By Dave Ramsey More Content Now Posted Feb. 18, 2015 @ 12:01 am By Dave Ramsey More Content Now Posted Feb. 18, 2015 @ 12:01 am » Social News Dear Dave, I’m 30 and debt-free. Do you think I should stop making contributions to my 401(k) account for a year in order to save up an emergency fund? Beth Dear Beth, Yes, I do. But it shouldn’t take you a year to set aside an emergency fund if you’re debt-free and making decent money at your job. Just make it part of your monthly budget plan, grit your teeth and do it! I recommend that people put off or stop investing until they are debt-free, except for their home, and have an emergency fund of three to six months of expenses in place. In some cases, depending on how much debt they have, it could take three or four years to do all this. I know it seems like a long time, but it’s really not in the grand scheme of things. Here’s the way I look at it. If you have no emergency fund, but you’re contributing to your 401(k), there’s a good chance you’ll end up cashing out your 401(k) if a large, unexpected expense comes along. When you cash out a 401(k) early, you get hit with a penalty plus your tax rate. That’s not a good plan! That’s just one of the reasons I tell people to have an emergency fund in place before they start investing! — Dave A waste of money? Dear Dave, I have a question about home warranties. Are they a waste of money if you already have a fully-funded emergency fund, with six months of expenses or more set aside? Andy Dear Andy, In my opinion, they’re a waste of money even if you don’t have that much set aside for emergencies. I recommend an emergency fund of three to six months of expenses to cover the unexpected things that life will throw at you. This amount of cash, sitting in a good money market account with check writing privileges, will give you easy access in the event of a financial emergency. I don’t do extended warranties of any kind, Andy. They’re not a good deal. You’re better off to self-insure against things breaking down, and put what would have been profit and marketing dollars for the extended warranty company in your own pocket! — Dave Dave Ramsey is America’s trusted voice on money and business. He has authored five New York Times best-selling books, including “More Than Enough.” “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. 18, 2015 @ 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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