I see the 0% financing mentioned a few times through this thread. I'm reasonably sure

that it is not 'free', :thumbsup:

If I were to have paid cash, I would have taken it out of my non-retirement trading account. As you can see it has made about $25K on roughly 165K that was there at the beginning of the year (about 15% over 7 months). Realistically I expect to get about 20% return per year on these investments.
I was told they would give me a discount of $1,000 if I paid cash. If I had taken 20K out of this account to pay for the tractor. I would have lost out on returns of $4,000 per year over 5 years or $20,000. Ok, I am a pretty good investor, I have gold, silver and currency stocks, Norwegian oil, and Chinese mobile networks. An eclectic mix that gets me relatively high returns, but even if you consider only 10% return, you would lose $2,000 a year for 5 years. $1,000 discount is just not sufficient even if you have the money to buy the tractor. So to me the zero 60 month financing is not only free, but allows me to make $20,000 over the five years, about the cost of the tractor.
Hope this helps.
SymbolSorted in ascending order. Click to reverse. Description Quantity Most
Recent
Price Most
Recent
Value Change
Since
Purchase $ Change
Since 1/1/2010
Purchase %
FDRXX * FIDELITY CASH RESERVES 8,681.160 $1.00 $8,681.16 Not Applicable
ANCJQ ANC RENT CORP NO STOCKHOLDERS' EQUITY 04/16/04 37.000 n/a n/a $263.80 n/a n/a
CHL CHINA MOBILE LTD SPON ADR REP 5 ORD HKD0.10 400.000 $52.74 $21,096.00 $19,209.35 +$1,886.65 +9.82%
GLD SPDR GOLD TR GOLD SHS 250.000 $121.23 $30,307.50 $22,460.40 +$7,847.10 +34.94%
GOLD RANDGOLD RESOURCES ADS EACH REPR 1 ORD USD0.05 600.000 $91.75 $55,050.00 $49,050.09 +$5,999.91 +12.23%
MCD MCDONALDS CORP 300.000 $73.74 $22,122.00 $20,173.56 +$1,948.44 +9.66%
MERKX MERK HARD CURRENCY FUND INVESTOR CL 977.125 $11.37 $11,109.91 $10,000.00 +$1,109.91 +11.10%
SLV ISHARES SILVER TR ISHARES 2,500.000 $18.81 $47,025.00 $40,306.20 +$6,718.80 +16.67%
Total: $195,391.57
+$25,510.81