Misfitmorgan's Journal - That Summer Dust

[farmerjan]

Had our first heavy frost this morning also. Everything white, had to scrape windshield to go pick up milk samples and meters from an owner sampler farm, get a few bags of feed, stop at SS office; all that by 10:30 and then came home and couldn't get the 4600 started to rake hay, so finally my son came from work on his lunch time, still can't get it started; looks like the injection pump has gone bad. New fuel filter, fuel running out of lines when we crack them, but just a little tiny fuel when you are cranking it. So, hooked the rake up to the big JD and raked the 10 acres of 2nd cutting orchard grass, went up and raked another 5-6 acres of "grass" then switched it to the tedder and tedded out all but about 5 acres of the remaining 20 +/- that was cut. Went with my son to get the old Farmall H and side delivery rake that was still out at a field we did a month ago, to rake a couple of small irregular fields with very narrow gates to get in and out of, and got home at 8:30. I am beat and it will start all over tomorrow. Tedd out the rest of the cut stuff, then rake all that was tedded on Sunday. All according to how fast the stuff I tedded out today is drying, may rake some of that then leave the rest to rake on Wed. Clouds and rain due to come in late on Thurs so it all needs to be up. If we get pushed for time with making small sq bales, it will get rolled rather than let it get wet. Switched my Wed morning farm, to test on Thurs; and cancelled the one I was going to do this aft and Tues morn. They have cancelled on me 3 times in a row so I don't feel guilty about cancelling them. They will get fit in sometime... I am not too worried about it anymore. They cancelled twice when I had saved the day for them, and it is hard to get someone to test on short notice. So, they can wait this time on me.

 

[Mike CHS]

You are about as good of a time manager as I have seen.

 

[misfitmorgan]

If we get any snow at all it's usually just a couple of inches. The picture is of our only snow last winter (mid January) but we do get extended periods of temps down in the teens. The neighborhood kids had a ball sledding down the hill across from us and used 4 wheelers to go back up. We get enough freezing rain or ice on the roads that you stay stocked up because our hills aren't vehicle friendly on many days.

View attachment 53561

I could handle that! I'm hoping some day to move to tenn we shall see.

Had our first heavy frost this morning also. Everything white, had to scrape windshield to go pick up milk samples and meters from an owner sampler farm, get a few bags of feed, stop at SS office; all that by 10:30 and then came home and couldn't get the 4600 started to rake hay, so finally my son came from work on his lunch time, still can't get it started; looks like the injection pump has gone bad. New fuel filter, fuel running out of lines when we crack them, but just a little tiny fuel when you are cranking it. So, hooked the rake up to the big JD and raked the 10 acres of 2nd cutting orchard grass, went up and raked another 5-6 acres of "grass" then switched it to the tedder and tedded out all but about 5 acres of the remaining 20 +/- that was cut. Went with my son to get the old Farmall H and side delivery rake that was still out at a field we did a month ago, to rake a couple of small irregular fields with very narrow gates to get in and out of, and got home at 8:30. I am beat and it will start all over tomorrow. Tedd out the rest of the cut stuff, then rake all that was tedded on Sunday. All according to how fast the stuff I tedded out today is drying, may rake some of that then leave the rest to rake on Wed. Clouds and rain due to come in late on Thurs so it all needs to be up. If we get pushed for time with making small sq bales, it will get rolled rather than let it get wet. Switched my Wed morning farm, to test on Thurs; and cancelled the one I was going to do this aft and Tues morn. They have cancelled on me 3 times in a row so I don't feel guilty about cancelling them. They will get fir in sometime... I am not too worried about it anymore. They cancelled twice when I had saved the day for them, and it is hard to get someone to test on short notice. So, they can wait this time on me.

You're one busy bee!

 

[misfitmorgan]

Ok so i called the bank yesterday because we still had not got our escrow check which i was told back in like july that it would be done in october. Good thing i called because the lady didnt realize it was a new mortgage and needed the adjustment done again and i would have been waiting until march I guess normally mortgage's are done once a year in march only new mortgage's usually ever get brought up a second time in the year and thats only if taxes or insurance changes by a lot.

Anyhow the good news is our mortgage payment dropped by almost $80/month and they are sending a check for almost $1,000 for the over payment to our escrow

In march we will get another escrow check for around $200 and our payment will drop like another $15/month, then in October next year our PMI will fall off which will drop our payment by another approx $60/month. So this time next year our monthly payment should be about $150/month less then it is now. So yeah i'm super happy atm!!

 

[promiseacres]

Make sure you don't need another appraisal to drop he pmi. Went to drop ours and the bank says give us 400....it needs appraised again. despite the fact we were told otherwise when we refinanced.

 

[misfitmorgan]

It's a credit union so hopefully not lol. Nothing in the paperwork says anything about requiring another appraisal unless significant improvements were made. We may just refinance in another year so we can lower our interest rate and have no pmi.

 

[Bruce]

That $1K could buy some fencing
So how much does the principle on the loan have to come down to get rid of the PMI? Might be worth putting the $1K on the loan and dropping the PMI immediately. Maybe you could "recover" that $1K by not paying PMI.

 

[Baymule]

That is awesome on the house payment. Lower is better!

 

[misfitmorgan]

That $1K could buy some fencing
So how much does the principle on the loan have to come down to get rid of the PMI? Might be worth putting the $1K on the loan and dropping the PMI immediately. Maybe you could "recover" that $1K by not paying PMI.

About another $6k so nope on the $1k doing much. 3yrs before we bought this place it was appraised and had a loan on it for $142,000 but the current appraisals are only something like $72,000. The only thing i can think of is when it was clear cut it dropped the price but by 50% seems a big drop. The loan owed has to get down to approx 51k atm we owe 57k. In another year we should be close.

tiled tillable $2,500/acre
cleared/tillable land $2,000/acre
hardwoods is $1,850/acre
scrub land/ex-forest is only about $1,000/acre

So after we get it cleared and fenced it will improve our value by about $10,000 overall plus the new livestock buildings we plan to build.

So we need to get glow plugs for the truck, some used tires for the front of the truck, a new bearing for the trailblazer, then we will be building a small buck pen with shelter for Big boy....and perhaps a new guest , then we will be buying two rolls of fencing which will give us enough with our current roll to fence pasture 1 in the spring.

 

[misfitmorgan]

Anyone know if 16'x8' is a big enough pen for a boer buck? Plus a 8'x4' shelter?
Something like this

Each side for each Buck/Ram...I'm hoping to build two of these actually one for bucks and one for rams but probly only have money/materials for one atm. So each 20'x16' building/pen would hold two bucks or two rams.

I could also make the outside part of the pen 16'x16' but that complicates the design a little bit and of course would cost a little more. This housing would only be for bucks/rams during fall/winter and the spring/summer it would be used for weaning or quarantine.

Any thoughts?