HOW TO HIDE A BIG EXHAUST
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- čas přidán 4. 03. 2024
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From time to time I get gifts sent to me often with out any warning
My CZcams contract says that they could be deemed as payed promotions
Due to the nature of me doing vids daily mostly in a hurry
I feel it’s best so not to fall foul of contract so I will now just add the hash tag #paidpromotion to all my vids
#yourharvest - Zábava
A bit puzzled why you think savers don't deserve decent interest rates, if there weren't any savers there would be no money to lend to the borrowers. No reward to savers means no savers to lend their money to the borrowers. At 1-2% interest there's not much point in saving, this last year by shopping around you could find 6% on savings. 1-2% interest just encourages people to spend money they don't have.
Ignore him hes a total plonker who hasn’t got a clue
"if there weren't any savers there would be no money to lend to the borrowers".
Savers deposits are a fraction of the money that the financial institutions lend. Britain is nearly 3 Trillion in debt so are you sure that loaned money comes from savers? If so, where did that money come from to save?
Search for; fractional reserve Banking
Blame the govt for all the Covid spending. A factor in inflation. Interest rates are up to apply brakes on the economy. Olly confirming that rates eating money that would be reinvested elsewhere. It’s uncomfortable but it’s intentional
Well put , maybe he should be asking the banks where the difference in rates between savers and borrowers goes ???
Had alot respect for olly until now! Gurning about interest nas he.tramps over a case quad track
Olly , in 1974 when I started farming base rate was I believe was 4% from that moment it went up if I remember correctly about 2% every few weeks until I was paying 24% yes 24% how the hell I got through it I have no idea , but I did have a great and proper bank manager . Then in 1975 and even worse in 1976 we had no rain , virtually no grain , no grass , and I had just got married . HAPPY DAYS . 🤗
try borrowing at 17% like we and many other farmers had to do a number of years ago!
I’d prefer that cuz land was £500 a acre and wheat was a Simlar price
Also inputs are probably 3 times as much now too, compared to back then
You need savers to provide the funds to lend to businesses and mortgage holders. It’s called the multiplier effect. A lot of savers rely on their income from interest to pay their bills especially pensioners. It’s therefore only fair they receive a return on their investment. There’s no free ride to borrowing money.
Interest rates have got a long way to get to the dizzy heights of 18% in the 1980’s!!!!
Maybe we might see land at 1k a acre agains if they do
I do often agree with what you promote on your channel but i certainly don’t agree around savers and your comments on interest rates. That is clearly your business decision to borrow more money and fund big purchases so why do you call out those who are working hard trying to put a little aside where possible.
Unless your bank Intrest rate is more than the inflation rate the money in the bank in real terms is going down and would be better invested
Land doubles in value every 10 years roughly
@@OllyBlogsAgricontractfarmer then stop gurning about savers
@@OllyBlogsAgricontractfarmer ''Land doubles in value every 10 years roughly'' - and how much did you just say an acre costs? How many ordinary working people who may put a few quid away a month could afford just one? And what the hell would they do with it....??!! 😂
I can honestly say that the interest on debt has certainly NOT gone to savers !! Interest rates on saving never got anywhere near those on mortgages/loans. Even by moving money about to get the best rates, the best available was about 4-4.5% and that's only available if you're willing/able to lock your saving away for a year or two (i.e. hand your money over to the bank to earn MORE money on for their own benefit).
So your £200,000 certainly hasn't gone the way of savers. Only people to make a profit are the BANKS whether it's from a recession or booming economy.
I remember having to work every hours I could in the 80’s to pay my mortgage when interest rates were around 15% or more.
Now I’m in my sixties and got a few quid in the bank it’s nice to get a bit back.
But back in the 80s your house only cost 4 times your yearly wage now the average house is 9 times the average wage plus the average mortgage was variable and interest rate rises had a direct effect on mortgages and the market and not this delayed change
I would be much much better off paying 15% on my house on its value in the 80s than the 3.2% I'm currently paying now thanks to the massive increases in property values without wages keeping up
No need to complain about interest rates at 4% in the early, eighties I payed 18% now if it got to that again you would know about it and if it wasn’t for savers being prudent over the years there would be no money to lend for the borrowers Get that Vaderstad behind that Quadtrac and you will be farming feeling 95% today because it’s been such a lovely day it makes it all worth white i. Honestly think Spring is coming sooner the better.
Love this olly yer some grief off cash under the pillow savers😂😂
Its your choice to borrow money to buy land , i would like to be in a possition to borrow to buy a farm .
Banks can only really lend money that investors have given them. But I can tell you we haven’t had 5% interest.
I agree you need savers to have lending, in 1972 that changed slightly. And banks were allowed to lend 9 times more money than they had in reserve from savers. Problem is by doing this money was.hugely devalued and over the past 50 years both savers and lenders have been screwed by the banks.
Another good video Olly.
Just remember some people are saving just to get a deposit to get on the property ladder.
Bank savings accounts don’t really perform better than inflation
They’d better do lots of overtime then because the monthly cost of a mortgage has about doubled since the rates went up. If they’re not able to do overtime then they will have to halve their ambitions regarding the size and quality of their new home.
@@adrianchetwynd1334doing overtime doesn't work anymore, I do a heap of overtime during spring and harvest and see none of it, why? Because the tax man takes 90% of it, and you wonder why poorer people get poorer
@@ritch195 The point I was trying to make is that the cost of the mortgage is far more important than making a little profit whilst trying to save for the deposit. The affordability of homes has halved due to the cost of interest on new mortgages.
@@adrianchetwynd1334 you're telling me my mortgage double after the covid fraud, now I'm struggling and wasn't my fault, I do 80 plus hours a week and hardly see my overtime, so yes I do have a grudge over rich people getting richer and poorer people struggling getting poorer
I don't expect anyone forces you to buy extra toys so if you're hard up stop, haven't seen any payments in my account from your interest either
There are people a lot worse off than me who don’t have a voice
So why rub their noses in it. It's obvious from your responses you just don't get it
I don’t wish to offend but it’s a bit rich complaining about money when you are running around in fancy cars and buying tractors that don’t really have a realistic use in your operation. Some people have had the good sense to save money and I’d say they deserve to be getting some interest on it finally. In real terms inflation is so high savers are still losing money aswell.
What makes me rich other than my health ?
@@OllyBlogsAgricontractfarmer health is true wealth for sure. 👍
@@OllyBlogsAgricontractfarmer as I said I’m not trying to offend. You’ve worked hard to get where you are and entitled to buy whatever you like.
We fixed money at 10% in the mid eighties having experienced 18% rates, seemed the right thing to do at the time!
good video and i have no idea how the bank of england works so cool you had a chance to discuss
Give Ian more slots....he only has to say 3 words to have me on the ground bollock laughing
Interesting views about interest rates , some people live in a dreamland, about borrowing, also like telling people who don’t agree to watch another channel .
Farmers boy
I would love to have a drive of the quad track. Great video as always Olly
As for the return savers are getting I am rather pissed off with the gap between what the banks loan money and the interest they pay. As someone who paid 15% on his mortgage it was nice to see a reasonable interest payment in my pass book yesterday, probably need that money to replace my 11 plate car as a pensioner.
Below cover with the ziptie you can find the air filters of the quadtrack. Probably a good idea to check looking at the condition of other parts which seem to be slightly neglected of woodified 🤪
Services definitely up- car insurance double last years price and we’ve had no accidents or claims. But still the cheapest quote is renewal.
Love the size of trailer, given how big some of tractors are, glad too see ground working machinery coming in 88.8% had my staples removed from my knee replacement
I always looks at property and assets worth. when over thinking the amount of borrowing as long as that goes up with the interest. No problem
Good video 👍90% the will be a proper set up.
Still raining round here Olly in South Norfolk, be interesting to see what field work Your lining up !
We had 16% interest rates in the 80s so 5% is a gift
Land was 1k a acre and 10 ton of wheat would by it
Fertiliser was same price a ton as wheat
Now it takes 80ton of wheat to buy a acre
Fert is 2.5 times more than wheat per ton
Give me a Time Machine please
My grandparents used to spout this nonsense, the high interest rates of the late 70s and early 80s on comparably low borrowing amounts were much much more affordable than the current 5% on huge amounts thanks to land and property prices going up by an unsustainable amount
@@OllyBlogsAgricontractfarmer I'd like one too - to go back to when my wife and I, both now pensioners could afford to pay for the gas, electricity, water, council tax etc, without worrying about it, and to pay for food we want without having to work out if we can afford it or get one of the cheap 'essentials' brands. Oh, and to go on a holiday now and again - we haven't had one this century....!! As I said Olly, I really admire your business acumen, but you aimed at the wrong target this time (as you have in the past too....)
Feedback ! If your busy I think more footage from the other guys on the farm undertaking the tasks you keep teasing us with is needed. Was hoping to see the fitting of the hitch on the fendt
Evening good vlog 😊
Another good video Ollie, will agree things do soon want to get better otherwise there will be a lot of farms go to the wall. 75% Today .
Great video Olly
Why the quadtrack when you believe in direct drilling? If it had a pto could go on a chipper
CZcams toy
Olly, You can get an Auto dialler for stuff like that which will ring you if theres a fault /loss of power but you would have to put yourself a little panel (like a BMS) but the offset of the price of that would be the spoil for your fans failing. We have auto diallers on float switches for an underground building if the sump ( like a 15 ft pit) high level alarm goes off after some heavy rain it will ring and we attend to check 👍 same could be done with your fans
Brilliant blog Olly, I loved the bit about the service engineers- “ use to be a hammer and spanner, now it’s all done with a laptop.” 😂🚜👍. Olly sorts out the Bank of England - That’s the way to do it!!! 🤦♂️👍🤣🤣
Olly, love your videos. Please keeping informing the us. The long term average base rate (40yrs plus , that includes the early 90s) is about 3%. We had “cheap money “ for a while. The B of E is independent from the government of the day. It only really has interest rates as a tool to manage inflation, however with people and industry fixing borrowing interest rates (far more so than in the 70s /80s) there is time lag on the effectiveness of rate changes. I am not sure we will a rate cut this year, if we go it will be a small one. I agree that farmers are price takers, that has been forced on the industry by the supermarkets. We all need to pay a truer price for food, that will shock the consumer. The consumer is not paying the true cost for the basics ( wheat, milk, eggs, veggies, meat etc). We have have tried to copy the American model, where the basic food stuffs are cheap, however it drives down quality
In the flap cable tied shut is the 2 air filters iirc
Orton Scar. Love the Eden Valley area
Rob really pushed the 936 to its absolute limit with that massive trailer 😂
I seen that vaderstad on the m6 today. And wondered is that off to ollys to mate with the case.
Olly you better stick to the farming and leave the banking to the bankers, if everyone used the banks the way you do, their would be no banks! Profit is not a bad word for people who have saving deposits in banks👍
It’s all 1 and 0 on a spread sheet they just print more when it runs out quantitive easing
@@OllyBlogsAgricontractfarmer we have to agree to disagree on the financial affairs, I’m here in Ireland and I’m afraid the old printer you talk about, was well and truly broken in 2008, and we’re still paying the piper for years of lightly regulated loans given out to people who could never have repaid them.
Have to get Rob on that big case now with the cultivator
And Happy Birthday Andrew🎉
Great video Olly has all the new technology in the machines made your work easier??? And how it must of changed since your dad started in farming...😀😀😀30%
great stuff
Olly explained the problem quite well with financial problems. One thing I'd add is that the money that has gone is not his personal money. it's what is used to invest in his business. To pay for equipment and machinery and so much more.
With inflation over the last few years, we should have around 25% increase in support just to keep up with inflation.
Looking forward to seeing the quad out with that vaddy
If the interest was going to the savers I would not have a problem but I suspect that is going into senior banker's bonuses
Well after reading the comments I believe tomorrows video on accounting practices and finance will be interesting ( no pun intended ). I think I'll just sit on the fence and watch, aye.
Great video Olly the Bank of England should have lower interest rates for agricultural machinery but not for things like pickups which can be use for private use 👏👏👍👍
14:30 great content again
how many other small firms get help like farming ? savers need some interest after the last ten years of bailng out this country for no returns and losing out with the savings stil not keeping up with inflation its not just farmers losing out !
I’d never leave money in bank for Intrest it can work harder else where
Climb every CASE, search high and low,...
110% because it's just been a good day.
As to interest rates, money out of your accounts does not mean money into savings accounts.
Just be thankfull its 2024 and not 1984 when interest rates where in the high teens 😮😮
Minding a shed full of grain takes time just like livestock keep checking for weevils
Well Olly best of luck with the new tractor. Can you explain the role of the new tractor what jobs it will do and how it benefits your farming business over the Xeron to your non farmer viewers.Apart from that it looks as cool as hell !
ill be in carlisle tommor will the show be free to go
Interest rates what interest I don't get any on my account I might as well draw it out and put it in a tin under my bed for all the good it's doing in the bank.
Air fliters are under that panel
I have to disagree on interest rates. Many of us want them to remain high. We farm without any borrowing.
Your very lucky I have borrowing because I’ve bought 2 more farms so I can leave my kids one each
So they have the same chance I had
Gees some of the comments!! Think could of got out of perspective! It all depends where you are in your life! Trying to save, expanding a business, getting out of debt. Its a juggling act for the bank with inflation for all sectors private and public! Atleast when i price a job I say what its going to cost! Farmers dont have that luxury!
yet the exhaust on the new john Deere coming next year or later this year are normal exhaust and no def fluid in them
We’ve been, since 2008, in a period of exceptionally low interest rates. If we get back to 3%, we should count ourselves lucky. I don’t think, barring another banking crisis we will see lower than 3% again
My savings rates have just gone up to just over 1% - banks gave nowt to me....!! 🤣
Holey happy now he as a new big toy
Why do you think people with capital in the bank don't deserve a return ? 5% is traditionally low interest rate, savers have had no return for years
Depends where you have had your money
With all the woodchip you make and use Olly, have you ever thought of making and selling wood pellets?
To much energy to make them
Tell Morgan he can measure fence lines quickly and easily using a tablet.
90% sun shinning
Nice One Olly & Team Thanks again
I’m not been funny Ollie but I had my own business for many years and when things got tight we tightens out belts till the storm past, that doesn’t seem to be the case with yourself, you go on about losing money then spend a fortune on new equipment you don’t really need, ie quadtrack, you have more than enough HP on the farm without that, again no disrespect, it’s just my observation and opinion.
He buys his play tractors with CZcams money you bellend.
4million, that's some debt to service If your Interest is 200000 and rate is 5%.
It’s 5.25%
@OllyBlogsAgricontractfarmer it's still a massive number, let's hope rates have peaked now . I remember rates of 15% plus I'm the eighties the difference been farming was relatively profitable. Milk 30 p litre nitram 80 a ton diesel 12litre. At least you don't farm in Wales it's not fun here belive me.
I said once before there could be one rate for mortgages and a separate for business lending, both could be altered accordingly, my idea was dismissed by someone saying it’s not that simple 🤷♀️ why make something complicated if you don’t need to. 85% today, life could be much worse when you see what’s going on in the world just now 👍
Remember the time when interest rates were sky high 14-15% in late 70’s early 80’s ,mustn’t rant about people who save as they get ripped off to by banks and government.
Your comments about intrest rates I feel are just wrong. You have chosen to borrow the money. Without the savers there wouldn’t be the money to lend to the people to borrow. You could always run less luxury cars ect to save interest. I know it’s your choice which is fine, but please don’t moan about interest rates when savers haven’t had a decent return for years.
Savers who have invested have had good returns
Leaving money in bank and getting 5% on it when inflation is 6% is loosing you 1% a year in real terms
I think you’ve scored a own goal..
I don’t think your argument makes sense. The more your carrying on the deeper your digging yourself into a hole. What you spend on is up to you, but don’t get to political on your CZcams account. Savers have had years of very poor returns. It’s not our fault as you’re deep in debt.
Pretty sure it's not Joe Bloggs benefiting from interest rates and current global events.
15% today
👀🙄🐾👍
Another great video Olly. I feel like the points you made regarding interest rates, covid support etc whilst valid have been missed by other viewers and will likely cause a backlash. You as a farmer have to cover the costs of Fert, equipment etc whilst receiving no additional funding to essentially keep feeding an entire nation and at the same time end up paying more in interest. As farm diversification goes yes there are grants available but not like they were now we have left the EU. You also have the threat of imported goods undermining the hard work you do as a farmer. The way I'm seeing it, your not having a rant about the average saver who works hard for a living like yourself, its the banks for putting you in a situation as a hard working person who is trying to feed the country and support the economy by providing jobs to others and you would like to see it lowered so you can continue doing what you do, no matter what comes your way. Like you said you don't set the price you get told the price so if that works out less than what it costs to produce then where does that money then come from?
Keep doing what your doing! Thanks to you and TP I'm 90% today
What year is the case and how many hours on it
2019 and 5000
Good evening Olly, it has stopped raining 😮
thats not a trailer its a wheel barrow 🤣😂🤣
How does it not make sense - ur logic is wrong sorrry
It's not interest rates that are the problem. They had to go up to control inflation. The problem is the ridiculous premium that banks add for borrowing. There's been a lot of chat about how bad interest rates were in the 1980's, along with responses from Olly about the difference between prices for wheat, land & fert now and then. Lest you forget, credit card interest in the 1980s was a few percent higher than the base rate. You'd be hard pushed to find a credit card now that charges less than 25% above the base rate. Banks want to trap you in perpetual debt, whether that's through credit cards, loans or mortgages. Farms are no different. All Olly (and most other farmers) will be doing is handing a bunch of mortgages on to his kids. Nevertheless, to say that saving is a pointless exercise is ridiculous. Are people expected to live on less than a quarter of their earnings once they retire? I, for one, am not intending to rely solely on a state pension that will almost certainly be worth less when I retire than it is now, plus a few government handouts (if they're even available) so saving, regardless of it not keeping pace with inflation, is the only option.
It’s so funny when people who borrow significant sums of money whinge about high interest rates. Don’t build a business around historically low interest rates.
At no point do they come up with a solution to stop inflation.
They fail to understand the damage done by inflation.
If you dropped interest rates you would see borrowing skyrocket. It would cause prices to increase because everyone has more money. It would then devalue the pound against the world currency. Causing higher inflation.
You need people to save in high inflation times.
Take your medicine for a few years.
You sound like the person who would winge about low interest rates
I was going to ask if you were going to drive your quadtrack or your Range Rover (or is it Discovery) to have a moan at the Bank of England. i'm going to dissagree with you about interest rates being high ......there not high really there about where they should be.......the reason they seem high is because everything has gone up in price so much and some of the reason things have gone up so much is because of many years of low interest rates which encourages people to spend more. It's a bit rich coming from you moaning about hard times whilst your sitting in a stupidly expensive tractor that you don't really need.
Who said it was expensive CZcams is paying for it
It’s called giving something back people watch because they like tractors CZcams pay me so I show more tractors
If you think about it interest rates are basicley tracking inflation, inflation in the 70s was high, interest was high.
I thought your bank did understand farming or was that some other financial thing?
It's bad that you're bank didn't even understand you're price takers! Shows they don't understand much.
Can’t agree with you about interest rates, they are now roughly the average for hundreds of years, you were living in fantasy land with low rates and any bank or business man should have assumed they would return to normal. Moan if you want but remember your borrowed capital is my savings and why should I subsidise your business.
And why should you be allowed to get richer while the poor struggle more to subsidise your wealth???
Banks don’t need savers to lend out money too must hassle managing lots of accounts and public holding their money which they don’t have if you went into ask for your money back . Hence the reason why all the local bank branches are gone as well dealing with the ordinary person or pensioner is a cost hassle for them . What a bank lends out is all borrowed by them also so the high interest rates is making the Bank of England big bucks because they where broke affectly after Covid and the bank bailouts don’t forget which should never have happened. For any savers why do you think the guarantee is only at 85 thousand and not all your money if you have more in your accounts. Farmers are the heaviest borrowers in the uk / Ireland which gives governments control of our land also so beware in this climate carbon fake madness
Good video again but not impressed with your rant aimed at savers. Think you will find this is the bank of England clawing back money from covid and all the money printing done devaluing the pound after the big financial crash in 2008. I remember well it was forcast then that we need to pay it back sometime.
If your interest level us that it's your not banks fault and yes pensioners need interest on lifes savings! Interest was rediculously low! Grow up stop sounding like an.entitled brat just because you over spent and outbid others on property etc !!!
There are people far worse off than me who don’t have a voice
Lol you must be someone rich moaning, the rich get richer the poor get poorer, especially the poorer ones struggling, olly is spot on
@@OllyBlogsAgricontractfarmer whilst it's nice see you do well and have nice things its very nasty begrudging savers while you cruise around in range rover and change tractors . I don't begrudge u with them you work hard but was really disappointed in your shot at savers which will most likely be what some your staff be doing for their retirement ! Really in extremely bad taste either scale back flamboyant spending or get on with the interest !
@@stephenkelly2067quite poor taste that you have no problem that the poor get poorer, obviously you're rich and save , that's the point
@@ritch195 you mean someone who worked saved in retirement is rich and someone buying millions pounds worth driving range rovers buying tractors at 100s off thousands £ for tractor pulling is poor someone that bought a farm and renovating the house on it as a buy to let is poor but the old guy renting it that possibility has half the price off ollys range rover in life savings is rich ? Grow up you child
Wel said on rates olly, seems the rich get richer, but the poor get poorer, and as for some here moaning are obviously savers, and to do overtime is a waste of time i hardly see any for tax when harvest and spring, i do it because i like the job, not the money, 90% did some ploughing , and wound up the rich people in the comments 😂😂
Interest rates are a disgrace for your business Olly
I don't really understand why you think it's okay that you should be allowed to borrow money from people who have it for free?
Do you often lend out your machines for free just because you already have them?
Give him a break, it’s costing him 200k more to borrow money now than it used to do, he didn’t say he wanted it for free. But he has the right to complain about it, maybe not the words I would have chosen, but he’s a farmer not a politician or PR person, also if you have money, lending it out isn’t the most profitable, invest in stocks gives a much better return, the S&P 500 returned 30% this year, check out ticker symbol Voo or spy etc.
Nasdaq is even better with 50% return. ETF Tracker is QQQ.