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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 council allows alcohol at special events Get Up & Go: Dec. 6 Medford plans to pack more people inside its borders Former church camp staff member faces sex abuse charges Emergency services Crime, Courts and Emergency Services Former church camp staff member faces sex abuse charges Emergency services OSP seizes more than 37 pounds of cocaine in I-5 stop near Ashland Elderly Medford man dies following Friday crash Emergency services Politics and Elections GMO labeling votes recounted under careful watch in Jackson County Kent Bush: First Amendment doesn’t mean what you think it means East Medford's the charm Pot, GMOs unite south Jackson County Buckley again named Ways and Means Committee co-chairman Education Eagle Point superintendent invited to White House Eagle Point secures perimeter of Table Rock Elementary with new fence Medford school administrators get pay boost Students put their hearts into AIDS event Kitzhaber calls for early education spending in budget proposal Environment Bighorn sheep reintroduced along Klamath River Jackson County judge dismisses one Mt. View Paving case Advisory warns of blue-green algae bloom at Lost Creek Lake County calls for local control of federal lands Most dredging banned under new proposed guidelines State News Unearthed rail line a reminder of O&C logging boom Cover Oregon re-enrollment lags on federal website Bend hospital: Medication error killed patient Lawsuit: Pregnant woman fired for restroom breaks Ante for rulemaking on Oregon pot: nearly $600,000 Nation - World Grand jury won't indict Ferguson cop in shooting Obituaries Edwina Agnes Jenkins Marie B. (Aiken) Cory Davis Stella Demo Geraldine Frances Ritchie Weather Photo Galleries Since You Asked Videos Web Cams Mail Tribune 100 Sports Latest Stories Oregon all but cements spot in playoff with rout of Arizona Crusaders advance to Yreka championship North rolls past Ashland Orndoff, Panthers secure big win Wu nets 4 goals to lead North Varsity 541 College Sports Oregon all but cements spot in playoff with rout of Arizona Young receiver enjoys moment after big game No. 15 SOU men pull upset of No. 10 Concordia No. 1 'Cats take down No. 6 Texas Riley receives warm welcome from Cornhuskers Pro Sports James, Love power Cavs to sixth straight win Aldridge, Lillard lead Blazers past Pacers, 88-82 Murray, Romo lead Cowboys over Bears, 41-28 Woods stumbles to a 77 in his return 76ers avoid worst start in history Community Sports Keeping Fit: Runners need to do more than run to stay in shape RESULTS/STANDINGS LOCAL EVENTS Business Latest Stories Jackson County judge dismisses one Mt. View Paving case Blog: A Time for Tradition SOU business students seek research projects Downtown property owners would fund economic development district in Medford MBA candidates lend their talents to clients for free Real Estate News More sales, but no change in residential housing median price Dear Monty: Violation of HOA rules creates conflict Farmers file suit over GMO crop ban Financial webinars offered for veterans and their families People In Business People in Business, Dec. 3 People in Business, Nov. 18 People in Business, Nov. 8 Transportation Allegiant Air will resume Medford-Phoenix service May 22 Medford airport passenger counts sky high in October Erickson reports third quarter profit Agriculture Southern Oregon wine industry had a robust 2013 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 Opinion Latest Other Views: OSU rape case is a teaching opportunity Amy Gehrt: Time to admit there’s a problem with our justice system Our View: Oregon budget should plan for rain Letters to the Editor, Dec. 5 Granlund cartoon: Justice and Eric Garner Editorials Other Views: OSU rape case is a teaching opportunity Our View: Oregon budget should plan for rain Our View: Cheers and jeers Our View: Stay flexible on kindergarten hours Our View: Waiting for someone else to step up Letters to the Editor Letters to the Editor, Dec. 5 Letters to the Editor, Dec. 4 Letters to the Editor, Dec. 3 Letters to the Editor, Dec. 2 Letters to the Editor, Dec. 1 Guest Opinions Guest Opinion: It's time Oregon put a price on carbon Guest Opinion: Are we the preferred path to global devastation? 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 Lifestyle Latest stories Stylish on the Snow Duck stamp increase closer to reality Over hill and dale along I-5 Fishing report: Friday, Dec. 5, 2014 Looking Up: The Man in the Moon looks your way Food Community blog: Merry Christmas 10 Barrel! (Big Brewery vs Small Independent Brewer) Community blog: Lentil cooking water doubles as soup stock 'Amazing' Soup Roxy Ann winemaker has roots in Napa Valley Community blog: Post-holiday soups easy on the budget, waistline Home and Garden Troubleshoot common water boiler problems Dear Monty: Ten helpful home-listing tips Home Help: Luxurious upgrades don’t have to break the bank 9 ways to green your gift wrap Dear Monty: How to find a good real estate attorney Health Dr. Murray Feingold: Say it like you mean it Community blog: Guiltless Holidays Better for our Health HealthStyle: Develop an attitude of gratitude Health Watch: Fuel up on carbs before workouts Health insurance enrollment help available Hiking Biking Faith Religion news: Pope aims to expedite sex abuse rulings Religion news: Seattle-based mega-church dissolves Religion Briefs Milestones and Achievements Hire 'em and pray for snow Madi-Stiles A New Song Rogers-Horn New Arrivals Columnist for a Day Rogue Healthy Aging Tempo Latest stories Ooblies Artisan Waffle Sandwiches Bedford Falls comes to life at Randall SOU presents all-percussion concert Soroptimist holiday home tour features four houses this weekend Ashland's First Friday Art Walk showcases new exhiits by regional artists Theater Bedford Falls comes to life at Randall Camelot presents 'Fiddler on the Roof' OCT's holiday show is a wonderful play New 'Alice' has some for kids ... and adults 'It's a Wonderful Life: A Live Radio Play' opens at Oregon Cabaret Theatre Music SOU presents all-percussion concert Shae Johnson releases 'Can You Feel the Music' Jeff Kloetzel releases 'Long Time Coming' A new guitar slinger in town Peter Chianca: Top 40 songs even a dad could love Community Events Soroptimist holiday home tour features four houses this weekend Ashland's First Friday Art Walk showcases new exhiits by regional artists 2014 Providence Festival of Trees A grand illumination at the Commons Lighting up memories Dining Ooblies Artisan Waffle Sandwiches Brunch at Loft Brasserie The Bohemian Club Thanksgiving comes early at Taprock Word of Mouth: Brunch at Brothers' Restaurant Tempo Videos Classifieds Jobs Autos Real Estate FEATURED » Obituaries Blogs TV Listings Movie Listings Oregon Outdoors Oregon Healthy Living Magazines & Special Sections NEWS NOW Medford council allows alcohol at special events ... Medford plans to pack more people inside its borders ... Bighorn sheep reintroduced along Klamath River ... Medford council allows alcohol at special events ... Medford plans to pack more people inside its borders ... Bighorn sheep reintroduced along Klamath River ... Dave Ramsey: Extra savings takes away volatility By Dave Ramsey, More Content Now MailTribune.com By Dave Ramsey, More Content Now Posted Oct. 29, 2014 @ 12:01 am By Dave Ramsey, More Content Now Posted Oct. 29, 2014 @ 12:01 am » Social News Dear Dave, I’m a 26-year-old journalist making $26,000 annually, and the only debt I have is $31,000 in student loans. I’m following your plan, so I also have $1,000 in my starter emergency fund and am working side jobs to make extra money. Since my job field is volatile, I’ve lost and found a couple of jobs in the last few years and have an older car. Should I beef up my emergency fund in case I go through another job loss or I have problems with my vehicle? Sarah Dear Sarah, In your case, I think you might want to increase your emergency fund to around $3,000. Usually I’d rather people focus on knocking out debt once they have a beginner emergency fund in place, but it sounds like you’ve got extenuating circumstances in your life. Older cars, especially those with lots of miles, could need attention at any time. And you’re right about your job too. The newspaper world is pretty volatile and even downright insecure at times. This isn’t your fault, but I’m glad you’re looking ahead. Just push the pause button on paying off debt for the moment, and build up your emergency fund a bit more. That will give you a little more wiggle room in case life decides to throw something unexpected at you. Then, go back to paying off debt before you increase your emergency fund to a full three to six months of expenses. Having a little financial stability is a big thing for you right now, Sarah. It will help you feel a little more secure until the debt is gone. And once that happens, you’ll really be able to fly! — Dave Income is the problem Dear Dave, We had our first child a few months ago, and some of the bills have gone to collections. We’ve paid what we could, but we each make only about $15,000 a year. Now, we’re getting calls and letters from collectors wanting our checking account information and electronic access. When we won’t give it to them, they accuse us of not following the terms and conditions of the agreements. They say we’ll be penalized if we don’t comply. What should we do? Stephanie Dear Stephanie, You’re doing the right thing by not giving them your account information and electronic access. The stuff they’re saying is just collector talk, and they’re full of crap. The next time you talk to one of them, just let them know you have every intention of paying what’s owed. But the bill is going to be paid by you. There’s nothing in an agreement like that which gives them the right to your account numbers or electronic access. These people can stop lying and act right, or they can go jump in the lake. The biggest issue here is your income. If I’m your husband, I’m going to find an extra job delivering pizzas a few nights a week for the time being. He could make an additional $1,000 a month for the next 10 months, and that problem would be solved. Instead of working 40 to 45 hours a week, try working 60 to 80 for just a little while. Still, you both need to examine your career track for the future. Look into different types of training and education with the attitude of doubling or even tripling your income in the next five years. I want you both to develop long-term plans to increase your income, and a short-term plan to get out from under this debt in a hurry. That’s the kind of thinking that will get rid of collectors faster than anything else. They’re just a symptom of the bigger problem. — 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 Oct. 29, 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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