Posted by donjr on March 23, 2015 at 11:38:30 from (71.246.65.243):
In Reply to: Re: JD Seller posted by JD Seller on March 22, 2015 at 17:07:07:
Farm Credit isn't a credit union, but does operate sometimes like one. FCA first financed a haybine for me back when my bank said they were no longer taking machinery as collateral, after I had dealt with them since I was a kid. Then I went to FSA and they said I made too much to finance through them because I was working for the phone company at the time. Then I went to FCA, and it took a couple of weeks to get an approval- long enough that the dealer called asking me when he would get a check. When they financed my farm a few years later, they were all encouragement and have worked with me through thick and thin to build this place, from three barns to machinery and livestock- things no normal bank would even look at, primarily because of the debt ratio. I have been with them for forty years now, and because of them I own everything here. Now that I am paid off, the money that went into the bank now gives us a nice dividend check every year. Borrowers become stockholder members, and a part of the association, so it actually seems to help after you've been in just a couple of years. I still use the association for some projects, and the money is still very competitive with bank rates. The best part, is that both of the banks I have been dealing with have been bought up by larger banks- one of them four times, now. Every time I go in, it seems there is a new face. At FCA, I have been through three or four load officers, and a slew of staff over the years, but most of the people are still there, and still friends, just in a higher position. It's still like dealing with someone I know....
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Today's Featured Article - Timing Your Magneto Ignition Tractor - by Chris Pratt. If you have done major engine work or restored your tractor, chances are you removed the magneto and spark plug wires and eventually reached the point where you had to put it all back together and make it run. On our first cosmetic restoration, not having a manual, we carefully marked the wires, taped the magneto in the position it came off, and were careful not to turn the engine over while we had these components off. We thought we could get by with this since the engine ran perfectly and would not need any internal work. After the cleanup and painting was done, we began reassembly and finally came to t
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