Fixin' to pull the trigger

[skipperbrown]

I did the 0 down, 0%, 60 mo thing with Kubota once and found that I had to buy Kubota insurance that I didn't need and there were some financing costs I still had to to pay. On another tractor where there was an offer of 0% interest, there was also a more attractive price for paying cash.

I'd go with ag tires if you aren't going to be driving around in your yard. R4's aren't much better than turfs in the field, but ag tires are much, much better.

Finally, Jeff has some wise comments and you will do well following his advice. I'd go for the heavy farm tractor over a compact series for your anticipated work. Weight is your friend and a longer wheel base with bigger tires is so much more comfortable.

 

[jezreel]

Once again, I Really appreciate all the comments y'all have provided. If I was Mark Cuban, I'd just throw the chunk of change down, go on, and not worry about it. But, after buying the 20 acres, building the 1/4mi of road, putting in the well, putting in the 1/4mi of electricity, and then building the house. . . Wow, I need to make the right decisions. So bear with me for a few more weeks.

Just for more info. . . My wife and I will be moving out from Dallas to our new country home in about a week. So. . . I have not yet had the opportunity to meet the "farmers" and "ranchers" that know this stuff. Once we move, it will then be a bit before I get to meet some of these folks. Looking forward to it, though.

1. I KNOW that I am a Tenderfoot, and need advice. You're right Jeff9366, I have no idea what I don't know. So I don't take any offense whatsoever. That is why I have posted this thread for some "Real People" advice.

2. As far as implements goes, yes I Know Nothing! ! ! The Disc Harrow he had was from a Texas company, Armstrong Ag. The brush cutter was the brand, Titan. Now as I look on Craigslist, Tractorbynet, MachineryPete, and other online sources, what I am finding is the used implements are almost as much as the new. Like, a used disc harrow by Land Pride is only about $300 less than the new one. Maybe there are some better places for me to look.

3. Yes, the Kubota did say that I had to carry insurance on the tractor while financed. I am not sure if I HAVE to use their company or I can get my own. The thought to ask didn't occur to me. Though. . . I assume if I get a new tractor, whichever brand I choose, I assume I should get insurance on it. Though my builder commented that my homeowners should cover the tractor (but I don't know if that is true). And, that Kubota insurance is not cheap. $3000 over 5 years. As far as insurance goes, it appeared like it covered absolutely everything, including if someone spit on it ;-).

4. As far as the Kubota building in the the cost for the 0%. . . Yep, as rScotty mentioned, when I offered cash to get a better price, the dealer just snorted in derision. I reckon they just get you on the insurance they sell you. So the old saying, "they are gonna get it from ya one way or another" might be true.

I think that is it for today.

Thanks. . . Thanks. . . Thanks. . .

 

[Trillium Farm]

Once again, I Really appreciate all the comments y'all have provided. If I was Mark Cuban, I'd just throw the chunk of change down, go on, and not worry about it. But, after buying the 20 acres, building the 1/4mi of road, putting in the well, putting in the 1/4mi of electricity, and then building the house. . . Wow, I need to make the right decisions. So bear with me for a few more weeks.
Just for more info. . . My wife and I will be moving out from Dallas to our new country home in about a week. So. . . I have not yet had the opportunity to meet the "farmers" and "ranchers" that know this stuff. Once we move, it will then be a bit before I get to meet some of these folks. Looking forward to it, though.

1. I KNOW that I am a Tenderfoot, and need advice. You're right Jeff9366, I have no idea what I don't know. So I don't take any offense whatsoever. That is why I have posted this thread for some "Real People" advice.
2. As far as implements goes, yes I Know Nothing! ! ! The Disc Harrow he had was from a Texas company, Armstrong Ag. The brush cutter was the brand, Titan. Now as I look on Craigslist, Tractorbynet, MachineryPete, and other online sources, what I am finding is the used implements are almost as much as the new. Like, a used disc harrow by Land Pride is only about $300 less than the new one. Maybe there are some better places for me to look.
3. Yes, the Kubota did say that I had to carry insurance on the tractor while financed. I am not sure if I HAVE to use their company or I can get my own. The thought to ask didn't occur to me. Though. . . I assume if I get a new tractor, whichever brand I choose, I assume I should get insurance on it. Though my builder commented that my homeowners should cover the tractor (but I don't know if that is true). And, that Kubota insurance is not cheap. $3000 over 5 years. As far as insurance goes, it appeared like it covered absolutely everything, including if someone spit on it ;-).
4. As far as the Kubota building in the the cost for the 0%. . . Yep, as rScotty mentioned, when I offered cash to get a better price, the dealer just snorted in derision. I reckon they just get you on the insurance they sell you. So the old saying, "they are gonna get it from ya one way or another" might be true.
I think that is it for today.
Thanks. . . Thanks. . . Thanks. . .

If you do get Kubota, get their insurance KTAC it's an amazing coverage on warranty & repairs, you'll never regret it!
As for implements I'd try to get them wherever I buy the tractor as you may well get a much better price by working it as package.
On the DH whichever size you're going to get, get them with the notched blades in front and plain in the back.

 

[Diggin It]

is not only "0 down", it is also 0 % interest.

Yeah, well, fingers and brains don't always work well together any more.

 

[rScotty]

I think you are smart to be doing your research both here and at the dealers. And I understand wanting to do it NOW!.

But I think that since you are about to move there you would be jumping the gun to buy now instead of waiting until you get there, walk the land, talk to the locals and dealers.... See what people there are using and how they like what they have.

A tractor - most any tractor - can last a lifetime. No need to hurry.

rScotty

 

[Diggin It]

If you do get Kubota, get their insurance KTAC it's an amazing coverage on warranty & repairs, you'll never regret it!
As for implements I'd try to get them wherever I buy the tractor ...

Does that cover those if bought together or only the tractor?

 

[jeff9366]

KTAC INSURANCE: KTAC insurance site;Tractorbynet.com - Google Search

I always maintain KTAC insurance on my tractor.

 

[nards444]

whether you have to or not, having insurance on a 30k machine probably makes sense. Homeowners might cover some of it?

 

[AllByteNoBark]

Just as a reference point when I called my insurance man about tractor insurance he asked if I was buying a Kubota. I said yes, as a matter of fact I am. He told me to buy their insurance, it is what he carries on his tractor. He said he could go into great detail why but told me in the long run that was his recommendation. So that is what I did as he has treated me fairly on everything else.

On implements, I have an Armstrong Ag grapple and have been very happy with it so far. I do think they are more localized to Texas than many of the other companies. I've been watching Craigslist for a used disc and so far everything is new price and beat up. Same situation with a box blade and landscape rake. Will keep watching through the winter but if nothing comes up will probably look at Armstrong Ag for those.

 

[dodge man]

When I borrowed money from JD at 0% I also had to carry insurance. I got mine through State Farm. I kind of look at it that I am getting free insurance. The interest I am making by not spending the cash will offset the insurance roughly. I also got to thinking a 20k machine should probably be insured. My homeowners would cover theft or fire but not any damage to it while running it. I also offered to pay cash and it actually would have cost me $500 more to pay cash, they had a rebate for borrowing the money. Doesn't make a lot of sense but I'll take it.

For implements get what you are sure you will need, and then play the rest by ear. I see people that go all in on implements and then they have a bunch of stuff the hardly ever use.