Good afternoon, Aaron -

 It seems that these days everything is geared to s-t-r-e-t-c-h-i-n-g payments and expenses over as long a period of time as is practical.  I have done that very thing a few times! :shock: I also fully understand the seller of a product desiring their cash totally up-front! :nod:

However - let's view this situation from another point of view:  in the scenario above, you said, "- - -if you want me to buy a $3000 bull, at the most, I pay you 50% now and 50% when the first calves come".  As a rough estimate, this could be a year or more after the original purchase, in which case I, as the seller, have lost a year's Interest on that $3000, or at 6% - - $180.00. ( $90.00 if you paid 50% up-front).  In effect, you are putting me in a position of coming to you - hat in hand - and pleading with you to buy my bull for less money than I could get from someone else who would pay the full amount -  CASH. :roll:  Hello :? You would have to be a pretty good friend of mine for me to do that.  If I am going to "pay attention to all the little things" I am going to have to get more than the original $3000 for that bull to justify my acceding to your desires for payments over time.  Just a thought. :wink:

Nevertheless, I AM in the business of selling seedstock, and would like to CONTINUE to sell you seedstock in the future - so - -    do I bite the bullet - -or- - bow my neck?  It really is the little things, isn't it?