Farm Tractors

The tractor I just picked up is a 82 horse UMZ 8244 tractor and I’m looking for parts in the U.S.

Many times, ranchers and farmers cannot acquire commercial credits from the Farm Credit System institutions, banks, or lenders for that matter. In such cases, they can opt for a farm operating loan that is offered by the United States Department of Agriculture Farm Service Agency (FSA). It makes direct and guaranteed farm ownership and operating loans to farmers and ranchers who cannot obtain commercial credit from the banks, or other lenders.

When borrowers are unable to repay their loans, FSA resolves the delinquency, using various tools like debt forgiving. According to the Federal Agriculture Improvement and Reform Act of 1996, FSA cannot make loans to borrowers who have had debts forgiven previously.

Program Description

The Farm Service Agency (FSA) provides farm-operating loans to ranchers and farmers who are unable to obtain commercial, private credit for the time being. Operating loans may be used for purchasing items required for successful farm operations. The items could consist of farm equipment, livestock, seed, feed, farm chemicals, fuel, insurance, repairs, and various other operating expenses.

Both direct loans and guaranteed loans are available through the program. Eligibility for each type of loan depends on applicant qualifications. According to the terms of the guaranteed loan program, the FSA guarantees loan made by a standard agricultural lenders for about 95% of the principal loan amount.

People who have not been able to qualify for guaranteed loans can qualify for a direct loan. Other than servicing and making the direct loans, the FSA officials also provide credit counseling and supervision to borrowers. For this they should be able to justify their ability to repay as well as offer assurance for securing the loan fully. Borrowers can take a direct farm-operating loan up to $200,000.

Eligibility criterion for obtaining a farm operating loan (OL) from the Farm Service Agency (FSA)

. Should be a permanent resident or a US citizen

. Should not have a history of delinquency on any Federal debt

. Should not be responsible for loss to the Government because of a previous forgiven Federal debt

. Should have a good history of repaying debts

. Should not be included in any convictions related to controlled substance

. Should be the operator of any “family-sized farm” after loan closure

. Should not have any outstanding judgments

. Should not be able to obtain credit elsewhere

. Applicants should have sufficient money for the loan repayments and ample collateral for securing it fully. The additional eligibility criterion is also applicable and can be retrieved by contacting FSA or visiting the Farm Service Agency website directly.

Loan Terms

The duration for loan repayments for both guaranteed and direct farm operating loans cannot go beyond 7 years. While loans for livestock and equipment purchases are programmed for repayment for long periods, but cannot go over 7 years, loans for annual operating expenses are usually settled up within a year. Direct operating loan interest rates are finalized on the basis of the Government’s cost of funds. In certain circumstances, FSA can offer 4% interest rate to farmers who are unable to pay for the lender’s standard rate of interest. For almost all guaranteed loans, FSA levies an origination fee up to one percent of the guarantee.

Loans are available for commercial enterprises and also for farming or activities related to farming. The loans are available to those who run their own farming business like a commercial enterprise. Such loans are known as farm management loans.

Farming can become a successful commercial business. However, you must consider all the factors affecting its efficiency and profitability, in order to make it a successful venture. Obviously, the principles of management should be applied to farming activity also, to make a scientific study of the farming activity as a commercial enterprise.

The important factor of this analysis that emerges is the cost incurred in the production or at the initial stage. There are two types of costs: fixed costs and variable costs. Fixed costs are the expenses incurred on machinery, equipment, infrastructure, etc. Typically, these expenses are more at the beginning. Variable costs are the expenses incur on running the operation, such as oil or fuel for the machinery, feed, supplies, etc.

First, decide the type of farming activity. The basic types are dairy, crops such as potatoes, and cattle. Poultries, vegetable, and fruit tree farms or orchards, etc. are also considered farming activities. Whatever the types, plan accordingly, execute activity in a businesslike manner, and make it a success.

Farm equipment and machinery are essential initial investments. However, it is recommended to invest on them gradually as your farming business is picking up. Dealing with fixed costs this way does not put heavy burden at the beginning when the financial resources could be limited.

There are various loan programs available. Some of the programs benefit the farmers in a direct way. Others offer loans that help the farmers meet the requirements in an indirect way. Community banks, more familiar with the farmers’ requirements and more in need of customers, offer better loan programs than big commercial banks. The American Government also offers such loan programs through the Farm Service Agency of USFDA.

FSA offers Farm Loan Programs for farmers who are unable to obtain a loan from commercial loan agencies. Purchase of land, cattle, machinery, supplies, seeds, and similar basic requirements for the running of the farming activity can be taken care of with such a loan. This loan is also for the expenses incurred on activities such as construction or changes in the infrastructure, with the purpose of improving the farming operation.

The farmers who start the farming enterprise sometimes find it difficult to obtain the loans from commercial agencies, as they fail to qualify, as beginners with limited financial resources. Such farmers are benefited from loan programs offered by FSA, as their programs are intended to help the small-time farmers in the initial stages. However, FSA also offers helpful loan programs for seasoned and experienced farmers who have suffered financial losses due to natural disasters, or need economic help to expand their farming business.

Looking at all these loan programs can give you an idea about the financial help or credit that can be made available from commercial loan agencies or government agencies. The important thing is to understand that farming is like any commercial enterprise when run efficiently can prove a successful business venture. By managing your farming activities in a professional way, you can turn your farming activity into a profit-making commercial enterprise.

we are looking for parts for our lawn/garden tractor. we are specificly looking for a camshaft. but we will need more parts anyway. if you have any ideas as to where we could get the parts that would be cool. also just so that you know, we already tried ebay.

Garden tractors are primarily used for mowing lawns. They are a must when your gardens produce agricultural goods. It helps you with agricultural work like loading and unloading the agricultural inputs.

In case of small gardens, garden tractors are not that useful. Instead, small lawn tractors can be used for the same function. Gardens with an area of around 2 to 3 acres can make use of lawn tractors for mowing. Small lawn tractors come in capacities of 4 to 6 HP. A lawn tractor is also a cheaper option as compared to a garden tractor.

However, with lawn tractors you have limited functionalities. They cannot be used for other work like carrying heavy loads etc. Hence a garden tractor tends to be a very useful piece of machinery to have around. The work done by garden tractors is very fast as compared to lawn tractors. So you stand to save a lot of time. It can be used for various purposes like aerating the field, leveling the driveway and hauling the firewood from the corners of the garden. Even a small machine can do heavy work like removal of stones in garden and shifting of stones for improving the look of the garden.

Advantages

A garden tractor can get a little heavy on your pocket. However, it is an investment that can save a lot of your money in future by being of great help in various tasks which would have otherwise required a lot of time and efforts. It can also turn out to be an asset for you by making money for you if you give it out on rent.

Selecting A Garden Tractor

Choose a machine keeping the area of your garden in mind. If your garden is less than one acre, you can opt for a small tiller of 2 – 3 HP. If the area of your garden is around 5 acres and if your garden has large boulders, you can go for a large tractor of 15 – 20 HP. For normal maintenance of the garden, a smaller tractor would be enough.

Safe Operation

Once you have your garden tractor, it is necessary that you learn to operate it safely. You must read the given manual carefully. Even a minor accident can prove to be risky. Hence adopt suitable precautions must be taken to avoid mishaps.

Here are a few tips to keep in mind -

- Always make sure that the machine is working properly.

- Using seat belts while driving is a must. It may help avoid any major injuries.

- When you are planning to carry heavy load on a new route, its better you first walk through the route to locate the obstructions, if any.

- Be careful while you drive. A little carelessness may turn out to have devastating effects.

- Use hand brakes after stopping to avoid movement due to gravity.

Fuel is essential for a garden tractor. Hence the excess usage of fuel will definitely increase your costs. Try to make maximum use of fuel without wasting. Here are a few tips for you -

- Check that the tractor is in good condition. – Keep checking and changing the fuel filters regularly. Get your tractor serviced regularly. Clean the injectors regularly. – Clean and change air filters regularly. – Do not overload.

With proper care and use, you garden tractor can be a great asset to you and of course, your garden!

can anyone tell me what the difference between a 3 pt hitch and a pto and witch is better? how do you tell what attachment is best for your tractor? what is a good tractor for what you have. What machine and attachments you need to get the seed in the ground to the time of harvest. just tell me everything you know about farming
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i have a 1998 chevy cavalier 2.2l engine with 160k plus miles a small leak and idk when the last time its been serviced

I have a Long 460 tractor and am trying to locate parts. Does anyone know what website I can go to that will have parts for these tractors?

I was thinking of buying one, and was wandering if anyone knows anything about Belarus farm tractors?
How dependable are they, what is the average hours an engine will last?