Posted by Billy NY on December 01, 2015 at 08:18:19 from (104.228.35.235):
In Reply to: Re: New tractor hauler posted by Bryce Frazier on November 30, 2015 at 21:50:32:
Good point, I've avoided financing for quite awhile at different times, no credit cards in years etc. When I needed it, the interest rate was up, and I paid it, paid the loan off, credit rating was great after too. I immediately financed something I've needed for a very long time, a newer tractor. Its a very low payment and good rate this time, and its just to keep some kind of credit active. It could not have been at a better time, as one loan was paid, I went for note on this tractor, so there's no gap.
I now have to diversify to further increase my score and go for other forms of credit. So I'll get a card, use it for something within the budget, just paid a different way.
One of the reasons the above is important is I have an opportunity on some valuable land, now is the time and I sure am glad I am prepared a lot more than I was, when I did everything cash.
As long as you manage your affairs and I would think it no trouble for you, its good advice, someday you may need that financing on something, good to be ready if you do.
PS: I don't care for payments either, but...... LOL !
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Today's Featured Article - An Old-Time Tractor Demonstration - by Kim Pratt. Sam was born in rural Kansas in 1926. His dad was a hard-working farmer and the children worked hard everyday to help ends meet. In the rural area he grew up in, the highlight of the week was Saturday when many people took a break from their work to go to town. It was on one such Saturday in the early 1940's when Sam was 16 years old that he ended up in Dennison, Kansas to watch a demonstration of a new tractor being put on by a local dealer. It was an Allis-Chalmers tractor dealership,
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