Fixin' to pull the trigger

[tradosaurus]

Your home owner's insurance doesn't compare, in terms of coverage & situation. It appears that one is ahead because no premium is paid. Pay careful attention at what it Doesn't cover. It may indeed be that in your case that was the best route to take, but by all that I have read, written by people who did & did not have KTAC most buyers will benefit with KTAC, of course if it is called upon

Actually my homeowners through Texas Farm Bureau is very good insurance on my tractor. The only difference between KTAC insurance is that homeowners will only replace for what its worth not new like KTAC. But I did save $2200 by not having to buy KTAC. Otherwise KTAC is the way to go.

 

[tradosaurus]

Thanks for all the help! ! !

My desire all along was to buy a Kubota, but I needed to make sure I went into this tractor purchase with an open mind and explore all my options, especially with the $$$$ in mind. When I started reading the forums, and watching YouTube, I thought my purchase would be in the mid to high 30hp range. After describing my homestead and my plans for the place to some knowledgeable folks, I then found myself in the mid to high 40hp range.

I appreciate Jeff痴 comments about the 4701 or the 5200 serving my purposes sufficiently, but as a number of you have suggested in the long haul, $2400 over the 60mos, is not too much to bite off to get the bigger machine. I once bought a nice Benelli shotgun, and didn稚 spend the extra $350 to get the Super Black Eagle. Regretted it ever since. Not gonna do it with this investment.

All that said, I have decided on the MX5200. Unfortunately I am still about 3 weeks away from closing on my new home mortgage, and the banker told me not to take out the Kubota loan till we close. The Kubota dealer I am going to deal with has 2 MX 5200s on the lot. I sure hate the thought of them being sold in the next two weeks, being that they can稚 get any more new ones from the factory. I don稚 know if they would accept a reasonable deposit to hold it a few weeks. I値l see what the Kubota guy says on Monday.

I feel confident in my decision. Most of that confidence comes from mulling these things over with all of you folks that have personal experience around tractors. This thread is up to seven pages, and I really appreciate all the input.

One more thing regarding my first visit with this dealer. That price he gave me for the tractor, two implements and quick hitch. Do ya think THAT is it? I did discuss with him that the price he gave me was not as much as I expected to see Kubota come off. He said that was all he could do. What do y誕ll think? Think he gave me rock bottom, or was he just blowing the froth off the beer first? If so, how should I approach him when I talk to him again? I know how to deal for cars. . . Not tractors������

Couple of things I've learned after 50 hrs of use on my tractor and new to country life:
1) I'm glad I have Texas Farm Bureau for homeowners and auto insurance. Check the premiums vs others.
2) Finance through Kubota because 0% is a no brainer and having the extra cash on hand is a benefit with a new home .
3) Get a side by side (UTV) vs an ATV. I bought a 4 door with a dump bed and wish I would have originally got one instead of the Yahama Grizzly ATV.
4) I should have bought my grapple through Everything Attachment. Heavier duty and cheaper than Kubota.
5) I think I could have gone with the MX4800 instead of my L3301. I can run the RCR2660 OK but as much brush hogging I'm doing the extra PTO hp would have helped.
6) As much as I wanted a cab I just don't think it would have worked with as much work in the woods as I am doing. If you can swing the cab do it! The heat and dust is oppressive the older I'm getting.
7) At a minimum get the 4 cylinder version of the Kubota (L4701 and bigger). Should be quieter.
8) Get you a good burn barrel. We burn 90% of our waste. Pyro Cage Incinerator XXL – Bad Idea Supply Co.
9) I'm glad I bought a boxed eaved shed for my tractor and implements.
10) Outdoor cats are great for mice and mole control.
11) We deal with a lot of leaves and so far am finding that mulching weekly with the zero turn (once the leaves are starting to fall) is better than raking and burning.
12) You have a new home so home buyers warranty might not make sense but I keep mine renewed each year on our 40 yr old house and its paid for itself each year.
13) R1 tires for your tractor all day long if most or all of your work will be done on your property. You can get them for your new tractor so don't let the dealer say you can't. I got mine filled at no extra charge.

I sent you my cell number since we live about an hour from each other so if I can help you at all let me know.

 

[jezreel]

Tradosaurus. . . Thanks so much for the post. I got your PM and will respond soon. Great Info!

 

[jezreel]

Wow! ! ! BUSY past two weeks moving into the new house. Today I prepared the ground, and then laid 3 pallets of rolled Bermuda grass. And then about 100sq ft of 2" flagstone. This stuff sure was easier 20 years ago, I tell ya what! ! !

1) So, we are in our new house, but the closing ain't happening as fast as I would like. Banker is still telling me not to take out any loans. If the closing doesn't get done by Dec. 31, the Kubota 0% for 60mos will expire. Since I am new in the Tractor Shopping game, what do you think will happen in January? Will they re-up the 0%

2) 3pt Quick Hitch? ? ? Not expensive, so I have that on my bid sheet. Is it a good thing? I know that not all implement brands will fit, but if I stay with the ones that do, is it worth the effort?

 

[jeff9366]

1) Banker is still telling me not to take out any loans. If the closing doesn't get done by Dec. 31, the Kubota 0% for 60mos will expire. Since I am new in the Tractor Shopping game, what do you think will happen in January? Will they re-up the 0%

2) 3pt Quick Hitch? ? ? Not expensive, so I have that on my bid sheet.

1) What Kubota will do during January-February-March is always a mystery. April-May-June is high volume sales period and promos are usually good.

During 2019 October-November-December was the strongest promotion period.

2018 was a great year for compact tractors sales. 2019 has been flat, relative to 2018.

My local Kubota dealer is as interested as you in what 2020 January-February-March tractor promotions will be.



2) What is your age? How is your health?

Will you be storing implements on a hard floor, so implements can be on castored pallets and moved easily?

Or will you be storing implements on dirt?

 

[Diggin It]

Wow! ! ! BUSY past two weeks moving into the new house. Today I prepared the ground, and then laid 3 pallets of rolled Bermuda grass. And then about 100sq ft of 2" flagstone. This stuff sure was easier 20 years ago, I tell ya what! ! !

1) So, we are in our new house, but the closing ain't happening as fast as I would like. Banker is still telling me not to take out any loans. If the closing doesn't get done by Dec. 31,

I would absolutely NOT be occupying a house, doing any work at all or spending a single dime on it prior to closing.

 

[tradosaurus]

I would absolutely NOT be occupying a house, doing any work at all or spending a single dime on it prior to closing.

I didn't know you could occupy a house before closing? Maybe because its new?

 

[jezreel]

So. . . We had the house built. The builder has been paid by the bank with the construction loan. We are just waiting on the appraisal to get finished. Title company has all the other paperwork done and ready. Great relationship with the Builder and Banker. Our credit score is perfect, and we have enough $$$ in savings and to pay for it outright. So, the builder is happy cause he's been paid by the construction loan, and the banker is happy cause he knows were are current on our construction loan interest payments. Just waiting on the doggone appraisal. they won't start until the survey is completed. the survey company had that completed last week, but they forgot to cut one acre where the house, septic and well are. the other 19 acres is under Wildlife tax exemption. so, hopefully they will get the appraisal done toot sweet, and we can close before the end of the year.

 

[two_bit_score]

So. . . We had the house built. The builder has been paid by the bank with the construction loan. We are just waiting on the appraisal to get finished. Title company has all the other paperwork done and ready. Great relationship with the Builder and Banker. Our credit score is perfect, and we have enough $$$ in savings and to pay for it outright. So, the builder is happy cause he's been paid by the construction loan, and the banker is happy cause he knows were are current on our construction loan interest payments. Just waiting on the doggone appraisal. they won't start until the survey is completed. the survey company had that completed last week, but they forgot to cut one acre where the house, septic and well are. the other 19 acres is under Wildlife tax exemption. so, hopefully they will get the appraisal done toot sweet, and we can close before the end of the year.

First I really hope this works out but it sounds like everyone has what they want except you.

 

[Diggin It]

So. . . We had the house built.

Just waiting on the doggone appraisal. they won't start until the survey is completed.

Anybody (else) see an issue there?

 

[Binx]

Hi Jezreel,

Are/were you or your wife in the military? You can get $300 off the Kubota MX with membership in the Farmer Veteran Coalition (FVC). It should take less that a day to get your FVC member number (sometimes email marks it as spam).

 

[AllByteNoBark]

The loan situation does not sound out of the ordinary to me if they built the house and the construction loan is in their name. Just went through the same thing less than two years ago. Paper work is rediculose any more. We also broke out a couple of acres so the rest could be in wildlife.

Good luck getting it wrapped up.

 

[jezreel]

graziaka. . . Nope, no Veteran's status for us. I just retired from 28 years in Federal Law Enforcement.

As far as the house goes. . . Yeah, banker said the closing is no problem, just like AllByteNoBark mentioned, the blasted paperwork is crazy! ! !

Things going smoothly. Just gotta keep the pigs away! ! !

 

[fried1765]

Anybody (else) see an issue there?

Yup.
I sure do.
The survey needs to be completed!

 

[AllByteNoBark]

I'd kill all those pigs I could. They will destroy things unless made to disappear. It is hard to believe how destructive they can be.

 

[jezreel]

Yup.
I sure do.
The survey needs to be completed!

I certainly didn't mean to have my decision to move into my new home before closing on the loan turned into a survey. So, I hope there is nothing to be "completed!" I was just making conversation about the desire to get the closing done, so I can take advantage of the 0% from Kubota, and if anyone knew what Kubota usually does after a certain promotion. And I was curious if anyone uses and likes the 3pt hitch quick attachment.

I reckon on my next posting, I won't provide as many personal details.

 

[AllByteNoBark]

I got a QA with my L3560 and was not all that convinced I really needed it. After using it I really like it. It is a time saver and I often switch implements when I would not if I did not have it.

One of these days I need to modify my carryall so it will work with it.

I would recommend getting one.

 

[Diggin It]

I certainly didn't mean to have my decision to move into my new home before closing on the loan turned into a survey. So, I hope there is nothing to be "completed!"

The survey and title search should have been done before construction ever started. It's not uncommon for those to turn up easements, encroachments, deed restrictions, resource rights or other issues that would prevent construction in a certain spot.

 

[dodge man]

Some kind of quick hitch is nice. The hardest part of not having one is getting the implement into the holes on the 3 point. Pat’s a Easy Change is another alternative. The lower arms are quick connect but not the top link. The advantage of Pats is the width of the implement can vary from the standard 3 point width.

 

[jezreel]

I hate not talking face to face. My mistake reading the post. Yes, we had a survey and assessment done when buying the 20 acres. Then the bank let us use the original survey for the construction loan. Now we need a new survey and assessment for closing on the home mortgage. The survey that shows one acre with the house, septic, well house and road has been completed, and now we are waiting on the assessment. Hopefully get that done this week.

Sorry for my misunderstanding.