Hey fellas, I'm getting older and need to be fixing things less and getting more work done. so I'm gonna buy a new tractor in the 35-40 hp range to replace my NH1715. I've got the cash available but the 0% financing is quite attractive. The two closest dealers are Kubota and JD, so ideally the choice would be one of them. But I'm pretty sure I'm gonna pay more than a Kioti or Bobcat which are about 35 miles away. NH and LS are way too far. Anyway with the tractor I'm getting a loader and Backhoe, and possibly a SB and box grader. What I need advice with is in keeping the 0% financing, how much of a discount could I expect with a package like this. If one would say very little then I'd be more apt to buy an aftermarket SB and grader. The TLB for a JD 3039 lists about 45K. Haven't priced out a K L39 yet nor a comparable Bobcat or Kioti. Any experiences out there for someone dealing with the dealer for the first time? I appreciate your thoughts. Oh yeah I've got 38 acres on a hillside with 2 fields that need mowing and a 3/4 mile gravel drive up the hillside that needs to be maintained. Got some digging work that needs to be done this summer.