Christmas came early!

[Shirleyshusband]

Nice tractor, what did Shirley get out of that deal?

Well, there was no cap and I got the sweatshirt. A happy husband? Lol.

Honestly, that woman is impossible to shop for, she just doesn't want much. The most she was ever wowed was when I gave her a dozen theamed socks. Christmas, Halloween, running, walking, reading...not jewelry, socks!

With the hst tranny, I told her she may want to drive it sometime. I caught a little twinkle in her eye. I may have made a mistake.

 

[Jstpssng]

Nice tractor. I can see why Christmas came early. That thing would be a bear to get down the chimney.

 

[Doz]

No you need a front facing rear mounted snowblower they are a great tool to have no more snow banks blow it away

 

[Zork]

It's been a long time since I posted here, I think 2008. But I've sent many this was for advice. So I'd like to say thanks to you all for sharing your knowledge, I've been lurking for the last few months....

I was thinking about getting a quick release installed on my 3510 2006 mahindra. But I've also been wanting more horsepower too.
If I drive 30 minutes in one direction. I go past John Deere, Case, Kubota and New Holland.
Case and Kubota didn't even call me back after they said they'd look into some questions I had. JD was $6,000 more for a similar model so I ended up going blue!

Only got a couple hours on it but so far so good. Love the heated cab, just hope I don't wreck it. A root grapple is ordered and will be here in spring.

Crazy thing is. I paid 16,600 for the Mahindra in 06. They gave me 20,000 for it on trade in.

View attachment 833861
View attachment 833862

Wow, great trade! I'd like in on that deal. Your tractor wasn't part of that 03-07 gold smuggling ring, was it? Rumor has it the loader arms/assemblies were filled with approximately 1.2m in Indian gold .
Seriously, that is a sweet deal.

 

[WoodChuckDad]

Congratulations. What horsepower is the new one? I’m in virginia and having a cab makes a huge difference both in summer and winter. I’m sure in your area it will be a game changer. There’s just so much more left of you at the end of the day when your body isnt fighting the heat and cold the whole time. Plus dust and insects.

 

[panamaguy]

Congrats on the new tractor.

How many hours did you have on the Mahindra? I'm shocked that you got more money from a Dealer then you paid for it!!!!!

Don't be surprised on how much they give you trade in. Same as the car market, they jack the price when you trade. That's why the 1st thing they ask is if you have a trade. In the industry it's called PUTTING THE CUSTOMER TOGETHER

 

[BillP618]

Don't be surprised on how much they give you trade in. Same as the car market, they jack the price when you trade. That's why the 1st thing they ask is if you have a trade. In the industry it's called PUTTING THE CUSTOMER TOGETHER

The trade in value of your tractor is directly related to the purchase price of your new machine. Also never believe 0% financing. The final purchase price of your new machine is ALWAYS adjusted higher if you're using zero percent financing to Make up for the use of Someone elses money. Congraduations on your new machine. May It give you many years of good service.

 

[azuerch]

It's been a long time since I posted here, I think 2008. But I've sent many this was for advice. So I'd like to say thanks to you all for sharing your knowledge, I've been lurking for the last few months....

I was thinking about getting a quick release installed on my 3510 2006 mahindra. But I've also been wanting more horsepower too.
If I drive 30 minutes in one direction. I go past John Deere, Case, Kubota and New Holland.
Case and Kubota didn't even call me back after they said they'd look into some questions I had. JD was $6,000 more for a similar model so I ended up going blue!

Only got a couple hours on it but so far so good. Love the heated cab, just hope I don't wreck it. A root grapple is ordered and will be here in spring.

Crazy thing is. I paid 16,600 for the Mahindra in 06. They gave me 20,000 for it on trade in.

View attachment 833861
View attachment 833862

Congrats on the new Tractor! Its interesting the difference in bucket geometry between the two. At first glance it looks like the Mahindra bucket would hold a lot more?

 

[FriendwithTractor]

Well, there was no cap and I got the sweatshirt. A happy husband? Lol.

Honestly, that woman is impossible to shop for, she just doesn't want much. The most she was ever wowed was when I gave her a dozen theamed socks. Christmas, Halloween, running, walking, reading...not jewelry, socks!

With the hst tranny, I told her she may want to drive it sometime. I caught a little twinkle in her eye. I may have made a mistake.

Then it becomes hers and you just found an excuse for a bigger one. The couple that tractors together stays together!

 

[Torvy]

The trade in value of your tractor is directly related to the purchase price of your new machine. Also never believe 0% financing. The final purchase price of your new machine is ALWAYS adjusted higher if you're using zero percent financing to Make up for the use of Someone elses money. Congraduations on your new machine. May It give you many years of good service.

False. The prices will collectively go up for people with bad credit. Some dealers will give a cash discount, but the ROI on investing the money and making payments is usually much better return. Lenders don't give a darn about individual deals. They make money on the aggregate of deals in a traunch.

Trade-ins are a level of negotiation for dealers. They have to be right more than they are wrong. Sometimes you get a deal when you take it all in. In short, absolutes are rarely correct.

Some auto lenders will give a better rate when you trade-in your vehicle. The data shows that people who trade are less likely to default. The idea being that most people need a functional car to work. The same is not true for many tractor purchases, though.

 

[Williy]

Nice tractor! With a cab no dust, bugs, fly's to bother you and do;n't
forget to run your A/C for 10 or 15 minutes in the winter time to keep
the seals lubricated!

willy

 

[ArlyA]

I'm happy to be getting a welding table and a home sized wire welder. (got the welder, some time ago)

 

[TimRice]

That's why I wax my tractor once a year and blow it off every time I use it.

Sounds like something I should consider next time I service my Kabota B2650. I already have a can of touchup paint for the bottom of the bucket and other high wear areas.
(And I WISH I had a cab every summer, and every time it rains!).

 

[arrow]

False. The prices will collectively go up for people with bad credit. Some dealers will give a cash discount, but the ROI on investing the money and making payments is usually much better return. Lenders don't give a darn about individual deals. They make money on the aggregate of deals in a traunch.

Trade-ins are a level of negotiation for dealers. They have to be right more than they are wrong. Sometimes you get a deal when you take it all in. In short, absolutes are rarely correct.

Some auto lenders will give a better rate when you trade-in your vehicle. The data shows that people who trade are less likely to default. The idea being that most people need a functional car to work. The same is not true for many tractor purchases, though.

What part of Bill's contribution are you saying is false?
Prices went up because of market share more than anything else.
What a buyer is shown for trade in, has more to do with market value and for a clean piece, value is higher.
Also, the word "shown" is most certainly a variable of price paid dependent on the margin the dealer wishes to acquire.
If the dealer has a propensity for getting "list" for their tractors, then they can "show" the buyer more for their trade.
The important figure is "what's coming out of my pocket" whether it's 4, 2.5 or "0" %.
If one is bent on thinking a buyer is putting something on the dealer by hiding their trade till the very end, they are sadly mistaken.
The dealer always has room for "adjustments" because they know all the in's and out's of the buying public.
The divisions of money lent and paid in series (traunch) by a bank or financial institution or corporate entity, has less to do with the dealer than the money lenders.
The dealer is going by corporate incentives (if any) and his own buy/sell margins necessary to stay competitively in business.
There is seldom a "free lunch" for everyone concerned and as you have stated, there are no absolutes.

 

[arrow]

Very nice machine there Mrs Shirley. I am quite sure your husband will like it.

 

[Shirleyshusband]

Congrats on the new Tractor! Its interesting the difference in bucket geometry between the two. At first glance it looks like the Mahindra bucket would hold a lot more?

I think the actual volume is very similar however, because the NH tilts back further it will hold more, especially lifting off of a pile.

 

[TBob42]

What part of Bill's contribution are you saying is false?
Prices went up because of market share more than anything else.
What a buyer is shown for trade in, has more to do with market value and for a clean piece, value is higher.
Also, the word "shown" is most certainly a variable of price paid dependent on the margin the dealer wishes to acquire.
If the dealer has a propensity for getting "list" for their tractors, then they can "show" the buyer more for their trade.
The important figure is "what's coming out of my pocket" whether it's 4, 2.5 or "0" %.
If one is bent on thinking a buyer is putting something on the dealer by hiding their trade till the very end, they are sadly mistaken.
The dealer always has room for "adjustments" because they know all the in's and out's of the buying public.
The divisions of money lent and paid in series (traunch) by a bank or financial institution or corporate entity, has less to do with the dealer than the money lenders.
The dealer is going by corporate incentives (if any) and his own buy/sell margins necessary to stay competitively in business.
There is seldom a "free lunch" for everyone concerned and as you have stated, there are no absolutes.

I've always thought that dealers and lenders use a branch of math akin to Quantum Physics. That goes for vehicles and equipment both. It's deliberately complex for the purpose of confusing the buyer.
It's always best to go with cash.

 

[Torvy]

What part of Bill's contribution are you saying is false?

That you ALWAYS pay more if you finance. That is simply not true.

 

[arrow]

That you ALWAYS pay more if you finance. That is simply not true.

Nope. Not always true but the caveats to mitigate paying more for financing necessitate other financial actions.. If you’re financing say at 3.9% and you find an interest return of 5 or 6% or more, better to retain your money expenditure and put it toward investment.
What l also find is that if you approach a 0% financing situation thinking it’s the cats meow but you find a 2.9% financing somewhere else and if there is a reduction in pricing for the product as a result of not taking the 0% option, you can sometimes come out ahead. The key word here is “if”.
But w/o the caveats, surface to surface, financing is always commanding a cost because you’re buying something else along with the product…..time. And that you can use to your advantage.

 

[arrow]

I've always thought that dealers and lenders use a branch of math akin to Quantum Physics. That goes for vehicles and equipment both. It's deliberately complex for the purpose of confusing the buyer.
It's always best to go with cash.

I have to disagree on several fronts. See above. There is only one thing a buyer needs to know no matter what the lenders come up with: “what’s coming out of my pocket”.