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<blockquote data-quote="Anonymous" data-source="post: 138555"><p>Jeremy - I noticed you did not comment on my initial comments to you - but I will add a few more anyways.</p><p></p><p>I figure you should stay out of the game until you get that 12,000 saved up. Better if you have more.</p><p></p><p>Then I figure you need to look at the thread - "Financing the Herd" or whatever it was called.</p><p></p><p>You finance for a write off on taxes - maybe - but you still gotta' come up with the payment - so make yourself a personal payment for the finance amount. Cut yourself a few cheques for all the added expenses you are planning to make. Put all that into your farm account for a year and see if you can stand the financial strain. Then factor in the thought that you were doing this while watching TV rather than working cows. Now you got the cash on hand to do the job.</p><p></p><p>Start out small - debt free and remember - you are young - have a family starting and maybe ending up on one income. You figure your job to be secure - trust me nothing is. </p><p></p><p><u><strong>Unless your crystal ball is brighter than mine, or you got money backing you that you have not mentioned - I figure you are running when you need to be sitting.</strong></u></p><p></p><p>Your comment about asking for more money than you might need makes me nervous. I can tell you that no matter how good you are with a pencil you are going to need more than your plan requires - and a 10% contingency may / may not be good enough.</p><p></p><p>All this advice is good - but I figure you are steam rolling into something that will cost you initially - and like I say - you did not respond to my initial comments - making me think you are not following an entirely logical process.</p><p></p><p>Remember the WANTS and remember the NEEDS. </p><p></p><p>Forget the WANTS until you get the kid on the ground and Mom tells you she is happy - then look at the cost from the baby - then figure if you can still do it.</p><p></p><p>I got a lot of your T-SHIRTS - trust me on this - things can go good - but they can get real bad - real fast - and if you are in hock - you WILL go down.</p><p></p><p>Cows will be around for your entire life - you can start anytime.</p><p></p><p>Just my thoughts,</p><p></p><p>Bez'</p></blockquote><p></p>
[QUOTE="Anonymous, post: 138555"] Jeremy - I noticed you did not comment on my initial comments to you - but I will add a few more anyways. I figure you should stay out of the game until you get that 12,000 saved up. Better if you have more. Then I figure you need to look at the thread - "Financing the Herd" or whatever it was called. You finance for a write off on taxes - maybe - but you still gotta' come up with the payment - so make yourself a personal payment for the finance amount. Cut yourself a few cheques for all the added expenses you are planning to make. Put all that into your farm account for a year and see if you can stand the financial strain. Then factor in the thought that you were doing this while watching TV rather than working cows. Now you got the cash on hand to do the job. Start out small - debt free and remember - you are young - have a family starting and maybe ending up on one income. You figure your job to be secure - trust me nothing is. [u][b]Unless your crystal ball is brighter than mine, or you got money backing you that you have not mentioned - I figure you are running when you need to be sitting.[/b][/u] Your comment about asking for more money than you might need makes me nervous. I can tell you that no matter how good you are with a pencil you are going to need more than your plan requires - and a 10% contingency may / may not be good enough. All this advice is good - but I figure you are steam rolling into something that will cost you initially - and like I say - you did not respond to my initial comments - making me think you are not following an entirely logical process. Remember the WANTS and remember the NEEDS. Forget the WANTS until you get the kid on the ground and Mom tells you she is happy - then look at the cost from the baby - then figure if you can still do it. I got a lot of your T-SHIRTS - trust me on this - things can go good - but they can get real bad - real fast - and if you are in hock - you WILL go down. Cows will be around for your entire life - you can start anytime. Just my thoughts, Bez' [/QUOTE]
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