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How often do you use your sub compact loader?


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#31 coxhaus OFFLINE  

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Posted February 14, 2018 - 01:44 PM

5 minutes, that would probably work.



#32 js5020 OFFLINE  

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Posted February 14, 2018 - 02:15 PM

The older H model loader on the JD.

 


Edited by js5020, February 14, 2018 - 02:20 PM.


#33 olcowhand ONLINE  

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Posted February 14, 2018 - 02:25 PM

Regardless of what you decide I strongly suggest you shop around a little more and look an an Orange unit.  If I was buying new or used, the last color I would get would be green.  $$$$$$  from start to finish  ,purchase and any parts needed down the rode.   I learned that the hard way.

Kubota has a metal hood too!  



#34 boyscout862 OFFLINE  

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Posted February 14, 2018 - 03:33 PM

The big problem is the payments!  You are betting on having a good paying job for atleast 5 more years. I hope that is so, but I don't believe in betting on the economic future. The "correction" in the stock market is just a glimpse of possible things to come. I saw alot of guys buy equipment in 1986. Business was so good that the local JD dealer expanded to three stores. Then the stock market crash in 1987 and the housing bust of 1988 put most construction guys out of work. Most of them lost their equipment (and their homes) to repossesion. Even 3 banks closed. I survived until 1995 but then I was laid off and took 5 years to find a full time job. I had no debts and some savings so we survived but alot of friends slowly went down. The JD dealer eventually closed.

 

I believe in saving for something or making do with a lesser thing. It usually pays off in the long run. I'm now retired and on a fixed income. I get by because I have no debts and my income covers my expenses. Once the kid finishes school, I'll have alittle extra to upgrade my car. Even then it will be used. You were looking at switching jobs but I don't remember if you did. Either way you have to forecast where you will be in 5 years. I hope that it works out for you. Good Luck, Rick


Edited by boyscout862, February 14, 2018 - 03:34 PM.

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#35 tater195 OFFLINE  

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Posted February 14, 2018 - 03:44 PM

I sold most of the worn out crap that the new tractor would replace or that I didnt need anyway. I still have plans to sell the lgt195, ff18 and the ztr this spring. 1 year of $275/mo payments was all I had to do. If I would have sold the other stuff back then, I would have only had to make 2 or 3 payments and had some left over. Looking at new ZTRs this year. Tired of working on old unreliable junk. the one I have now is 20 years old and dont use the GTs enough to keep the batteries charged and the carbs clean.


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#36 EricR OFFLINE  

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Posted February 14, 2018 - 06:41 PM

Aaron, go with the loader, I bought this Kubota 2670 the day after Christmas and I will say it is going to get a heck of a work out as the loader is why I bought it in the first place.

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#37 toppop52 OFFLINE  

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Posted February 14, 2018 - 07:54 PM

You’ll use it plenty enough to justify it. I just wouldn’t pay for the deck myself, I have a Kubota ZTR.

#38 toomanytoys84 ONLINE  

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Posted March 01, 2018 - 10:30 AM

The big problem is the payments! You are betting on having a good paying job for atleast 5 more years. I hope that is so, but I don't believe in betting on the economic future. The "correction" in the stock market is just a glimpse of possible things to come. I saw alot of guys buy equipment in 1986. Business was so good that the local JD dealer expanded to three stores. Then the stock market crash in 1987 and the housing bust of 1988 put most construction guys out of work. Most of them lost their equipment (and their homes) to repossesion. Even 3 banks closed. I survived until 1995 but then I was laid off and took 5 years to find a full time job. I had no debts and some savings so we survived but alot of friends slowly went down. The JD dealer eventually closed.

I believe in saving for something or making do with a lesser thing. It usually pays off in the long run. I'm now retired and on a fixed income. I get by because I have no debts and my income covers my expenses. Once the kid finishes school, I'll have alittle extra to upgrade my car. Even then it will be used. You were looking at switching jobs but I don't remember if you did. Either way you have to forecast where you will be in 5 years. I hope that it works out for you. Good Luck, Rick

I could go to the dealer and write a check of i wanted to. Zero percent is free money. My 15 grand wouldn't be earning interest if I took it out of the bank.

But my wife is not on board so it will probably be a next year purchase.

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#39 olcowhand ONLINE  

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Posted March 01, 2018 - 11:03 AM

I could go to the dealer and write a check of i wanted to. Zero percent is free money. My 15 grand wouldn't be earning interest if I took it out of the bank.

But my wife is not on board so it will probably be a next year purchase.

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That's a long time to wait when you're pretty much decided.  The old saying comes to mind....never put off till tomorrow what you can do today.  Of course I'm trying to spend your money here, but I know too well how much you'd use the machine....today!


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#40 secondtry ONLINE  

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Posted March 01, 2018 - 01:24 PM

I could go to the dealer and write a check of i wanted to. Zero percent is free money. My 15 grand wouldn't be earning interest if I took it out of the bank.

But my wife is not on board so it will probably be a next year purchase.

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Does that mean by next year you will get rid of her. Be very careful now.   Don


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#41 toomanytoys84 ONLINE  

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Posted March 01, 2018 - 01:30 PM

I would of probably done that by now but with 3 kids she pretty much owns me! Another 16 years to go!

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#42 MiCarl ONLINE  

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Posted March 01, 2018 - 02:04 PM

My 15 grand wouldn't be earning interest if I took it out of the bank.
 

 

I need to switch to your bank.  My bank money isn't earning much interest.


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#43 secondtry ONLINE  

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Posted March 01, 2018 - 02:18 PM

I need to switch to your bank.  My bank money isn't earning much interest.

  Yep with 15 grand in the bank my interests were small enough that the IRS wasn't even interested.   Don


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#44 toomanytoys84 ONLINE  

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Posted March 01, 2018 - 02:21 PM

I need to switch to your bank. My bank money isn't earning much interest.

Not earning much either but it's something.

I have some locked on 1 year and 2 year CDs with decent rates. I have one that's almost done with a 5 year CD that one will make about 1800 dollars in interest. Some in a savings account as well.

I never was real savvy with investments and stuff. I just do what I understand...and what's safe. Probably should learn how to save my money better.



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#45 MiCarl ONLINE  

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Posted March 01, 2018 - 06:13 PM

Ok, so now hijacking the thread.

My mother passed away in September and had a significant amount of money in 5 year CDs earning less than 1.5%.  I was mortified.

 

My wife and I are retiring next June and planning to move.  We have money aside for our retirement place, the question is where to park the money for a year.  So I researched CDs.......

 

The bank my mother used is selling 5 year CDs paying 1.51%.  I was in my local bank and rates were similar.  The brokerage house my mother used is offering 5 year CDs at 2.85% - THAT'S AN 89% BETTER return than the local bank on an identical FDIC insured investment.

 

If you're investing in CDs the corner bank may not be the best place to get them.


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