Make Mine a Yanmar

Owning a slice of the American Dream is a lot of work.  Whether you have two acres or 20 or even more, having the proper tools for the job makes country living not only feasible but enjoyable.

For many, owning land is a means to an end.  There is room for a garden, some chickens, maybe      larger livestock such as horses or cattle and perhaps a woodlot to harvest your own firewood to warm the house on those long winter nights.  But with the opportunity to become more self-sufficient, comes work.  The garden needs tilled or more top soil is needed for the raised beds.  The pasture land needs mowed, seeded and fertilized.  The stalls need cleaning and the compost needs to be turned and eventually loaded up in someone’s truck so they can add organic nutrients to their gardens.  And, if you live where the winter comes early and stays long, you have a driveway to plow and keep clear for yourself and maybe your neighbors.

Enter the farmers helper, a tractor.  With a proper tractor you can accomplish more, in less time, and with less potential for strains and injury on your body.  For us, our first venture into land ownership and having four acres of pasture and a long driveway began 15 years ago.  The first year I managed to keep up with things, sort of, with a riding mower and a small trailer.  The next year I purchased a 1962 International B414 tractor.  I paid $1000 for the old orchard hand with a 5-foot Bush Hog mower, a spring-tooth harrow and a nearly worthless back blade.  A good gas tank cleaning, a new fuel pump and an oil change and I was officially a farmer!

1962 B414

The old tractor is still with us after four relocations and two winters of record setting snow fall in Deer Park, WA.  It has a few hydraulic leaks, looks about like it did when I bought it and still starts on the first crank.  But, this year, with heavy snow and cold temperatures that kept the Yakima Valley white for months we decided that a tractor with a loader and preferably four wheel-drive was now a priority.  We just didn’t have any place to pile more snow this winter with the ATV.  A loader to pick up and move snow would have been a blessing.

2017 Snow Pile

Then spring came.  What happens to all that snow when the temperature goes up and the rains come to the foothills?  It all turns to water with no place to go.  Enter the Flood of 2017.

The driveway & neighbor’s overflow ditch

Within a few hours on the night of March 15 our little creek went from high to out of control.  In the early morning hours there was as much as 8″ of water coming down the drive.  Fortunately, our neighbor had an emergency overflow ditch dug after a similar issue in the spring of 2016.  However, this year the water came down the road and into our front yard in a matter of minutes.

Again, thankfully, our neighbor was prepared.  He had purchased a Kubota tractor with a loader last year.  We were able to build a dam in a matter of minutes to slow the flow of water into our yard and protect our home.  Justification number 2 for having a loader at our disposal!

I had been researching tractors, loaders and brands for several weeks when the flood hit.  The night we built the dam I spent my time between checking the ditch and the yard learning everything I could about compact tractors with loaders.    Of course Craig’s List was my first stop.  I found quite a few tractors for sale in and around central Washington.  However, I was finding a lot of what I would call glorified riding mowers with small loaders.  These were tractors with anywhere from 18HP to 24HP at the engine.  Meaning that the PTO horsepower would be somewhat lower.  As my research deepened and my knowledge increased, I determined a 30-35HP tractor would be a better long-term investment.  It would allow ample power for our current property and allow us to have a powerful tool for our ultimate dream of a nice piece of timbered land in North Idaho.

The Craig’s List ads almost always had a some photos of nice tractors that had loaders, were in the 27-35HP range and fit my budget.  The ones that really caught my eye were a couple of Yanmar diesels from a dealer in Thorp, WA called TractorCo.com.  TractorCo.com has been in business has been in business for over 20 years and was an early adapter to utilizing the power of the internet to advertise and sell used tractors all over the Pacific Northwest.

The tractors that TractorCo.com sells are all used diesel imports.  Many times these tractors are called “gray-market tractors”.  Quite simply these are tractors that were made for another market, typically the Asian market, and are legally imported to the US for resale by various dealers.  The tractors are used, reconditioned and upgraded with various US safety gear then sold on the used market.  Many of the tractors have very few hours on them and are upgraded with a new front loader.  This coupled with a durable Yanmar diesel engine and their reliable Power Shift transmission makes loader work a breeze.

Other upgrades and enhancements include ROPS (Roll-Over Protection System), new seats, seat belts, emergency flashers and PTO shaft shields.  The tractors have new fluids and filters, and in the case of all the tractors we saw at TractorCo.com very good or new body-work and fenders and paint.  There is a new battery installed and the tractors all start quickly and function correctly.  The tractor we eventually chose was a Yanmar 3110D with 883 hours on the meter.

Of course, as with all used equipment, it is buyer beware.  We had the good fortune to speak with Buck, the mechanic at TractorCo.com and he gave us a full run-down of the features, operation and the goods and bads of the tractor we chose.  I also read nearly every Tech Article at the Hoye Tractor website to learn about the various Yanmar models and the specs.  Hoye Tractor also carries a full inventory of new and used parts for imported Yanmar tractors.  They are a wealth of information when trying to decide if a used import is right for you.  I highly recommend ordering the Operation Manual for the tractor you choose so you know exactly what all the levers do and how to safely operate your tractor.  Also included in the manual is detailed service information and specs on fluids that you need to be sure your tractor lasts for many years.

Upgrades that we will make to this tractor include the following:  bolt on hooks on the bucket from boltonhooks.com, two pairs of LED work lights mounted on the ROPS; one forward, one rear for night-time work, a new gas cap with functional fuel gage and a new ignition switch and keys.  Again, this is a used tractor.  While it is a major upgrade from the old International, it is an early 1980’s vintage and is not perfect.  However, with some care, maintenance and a few minor upgrades it should provide us with the mechanical advantage we need to complete our work around the farm safely and efficiently.

Next time we’ll take a look at a couple of the updates and see the tractor in action around the farm.

The “New” Option in Health Insurance

It’s tax preparation time in America.  Whether you do it yourself with a software package like TurboTax or you have your accountant or CPA handle your tax return, one question everyone will answer this year is, “Did you have health insurance in 2016?”.

If you were employed and your employer provided a medical plan for you, lucky you.  No tax penalty for 2016.  However, you are still very likely seeing higher monthly, higher deductibles and higher copays for office visits and your prescription medications.

But what if your employer can no longer afford to provide medical coverage or the insurer drops the plan your employer provided.  Or, like many, you are out of work and your benefits have come to an end.  If you had a plan, you may be able to take advantage of COBRA (Consolidated Omnibus Budget Reconciliation Act), or in layman’s terms, Continuation of Health Coverage.  Quite simply, you and your dependents are allowed to continue coverage under the plan you had with your employer as members.  But, it comes at a cost.  I’ll use myself as a case study.

In December, my position was eliminated.  My COBRA monthly premium for my wife and I was quoted at $1401.79.  That includes medical, dental and vision coverage.  Grand total for the year: $16,821.48.  I waived my right to COBRA.

In order to avoid the Individual Mandate Penalty for not being insured, I needed to find some coverage.  So, like many I surfed my way over to HealthCare.gov to see what was available.  I live in Washington so the links took me to the Washington Health Plan Finder website.  As it turns out I had 27 plans to compare to find something that would fit our budget and healthcare needs.  As an example I found a Bronze Plan with a monthly premium of $570.66 and an annual deductible of $13,600.  Annual total:  $20,447.92.  And that does not include any dental or vision benefits.  And I can’t choose the physician I see or the hospital I want to use for ER visits or admits for more serious matters.

Suddenly the words of my financial advisor came back to haunt me.  When we sat down to review or finances and how to structure our budget after the layoff, he told us the following,

“Ten years ago the number one question our clients asked was, ‘do I have enough money to retire?’  Today the number one question is, ‘do I have enough money to afford health insurance?’  You guys need to budget $2000 per month for health insurance.”

I thought he was crazy.  Now I know different.

THE NEW OPTION IN HEALTH COVERAGE

I had one more option to investigate; membership medicine and health sharing accounts.  A physician I have known for many years left his thriving traditional practice a few years ago to build a new practice based on a monthly membership fee, lower costs, no appointments and actually practicing medicine and caring for patients rather than managing disease and hoping to get reimbursed by the big insurance companies.  Along the way the practice partnered with Liberty HealthShare.

Liberty is a Christian organization that “shares” in covering expenses for other members in the organization.  Each member pays a monthly share amount based on family size, medical needs and the plan they choose.  Each month the shares are totaled and those in need have their medical expenses paid.  The plan we chose is only $379 per month with an out of pocket annual ‘unshared‘ expense of $1000.  The monthly fee we pay at Assurance Healthcare and Counseling is only $180.  Our total monthly healthcare costs are now $559 per month; $6708 annually.  And we don’t pay the Individual Mandate Penalty.

In addition to the money saved, because Assurance does not accept insurance payment of any kind they are exempt from many types of patient privacy issues that are mandated by the federal government.  For example, no requirement to have Electronic Medical Records, and no HIPPA requirements.  So for those worried about medical records and personal information falling into the wrong hands, this medical practice model eliminates much of the risk.

In closing, it pays to do your research.  Perhaps Liberty or a similar health-sharing organization will fit your needs and budget in 2017.

Welcome To WildTraxx!

WildTraxx is a blog about the things I enjoy.  Together we’ll explore some wild places, capture some images with our cameras, harvest wild food for the table and see what we can grow in the garden.

Along the way I’ll visit the range and ring some steel, reload some cartridges and maybe review some firearms and shooting equipment.  For sure I’ll share some of the gear that I use in the backcountry for hunting, camping, fly-fishing and hiking.  I try to get away every year for a couple of week-long hunts.  I’ll share my adventures and I’d love to hear about your adventures.

As this is also about being more self-reliant and prepared we’ll mosey through the garden in the summer months and see what we can grow to supplement our wild protein.   Of course there are all kinds of tips and tricks we can share with regards to tools, techniques and food preservation.  No blog about self-reliance would be complete without some discussions about money and finance, so we’ll tackle some of those issues as well.

So sit back, relax, join in and let’s make some WildTraxx this year!  I’ll see you on the trail.