There really is no way of knowing if it is field ready until you actually put it in the field and give it a workout, although if the tractor is as described I'd say it would be a good candidate. If the loader is a run of the mill trip bucket variety, it has very little monetary value, and really adds nothing to the value of the tractor. If the loader is a more modern version with a hydraulic bucket, then the loader could be worth more than the tractor.
As far as the asking price, if the loader fits the first description, the asking price is maybe a bit high. Make an offer of $1,000 and see where it goes.
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Today's Featured Article - Ford N-Series Transmission/Hydraulic Fluid - The Full Story - by Llamas. The transmission fluid in an “N”:-series tractor lubricates the transmission, differential, rear wheel bearings, PTO and hydraulic pump drive, and it also cats as the working fluid for the hydraulic lift. In 9N/2N models, it also lubricates the steering sector and shaft system. The owner’s manual for the 9N and 2N models specified the use of only two fluids. They were STRAIGHT MINERAL OIL SAE 90 (above freezing) and
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