Old Guy
Expert Class
Posts: 470
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posted August 10, 2009 10:48 PM
Look kid. Everyone is trying to help.
We all have been screwed to some extent by debt.
Also have paid too much for stuff.
Why buy a 09 when your credit sucks?
Why NOT buy a 07 or 08 and finance a lot less?
They both will kill a Noob or expert just as quick.
Collect huge tickets and insurance premiums too.
You even figured your insurance costs?
14's eat tires 3 times as fast as most bikes and get 30% worst fuel economy.
I'd love to get a motard or new Connie but now aint the time so I gots to Man up and take care of what I got. Pay my bills and be patient!
I suggest you do the same.
We all aint got the income or resources that some obviously do so we have to find our thrill in respecting ourselves and living within our means.
A shiny toy quickly loses it luster. Self control and its reward of self respect never fades
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Living the good life...,
On a XZ !!!!!
Tsukigi stainless full system
pcIII w/custom map
NO freakin flies!!
GP suspension forks
Penske rear shock
Rich's custom seat
And a whole bunch of other stuff.
97 zx6r full race bike with all the
good stuff
  
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eklipse636
Needs a life
ZX-14
Posts: 6046
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posted August 11, 2009 04:22 AM
guys dont get me wrong, i understand what your saying, but as long as he dont finance everything he's got, thats the only way he can ride. i didnt quote it, but someone said he should get a 750.... hell hes still got to finance it!! yes it would be a little less, but still the same principle. you can get yourself between a rock and a hard place if your not careful, but like nooby14 said, not everyone has either won the lottery, has rich parents, or got lucky with a job making 250k a year. as long as he does it responsibly, its ok. yes he's paying more bc of interest, but thats what us middle class has to do sometimes.
btw,insurance is only $5a month difference between a 09 and 06.
____________
Best: 60ft 1.351 1/8 5.68 mph 123.98 1/4
8.89 mph 151.32
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dubious
Needs a life
Needs more time to ride!
Posts: 8442
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posted August 11, 2009 07:28 AM
Ouch,
This turned out to get pretty personal, and I can understand both sides of the situation.
In any event I was trying to help out, I and many of us have overextended ourselves on credit.
Most people only learn it the hard way, and some are not fortunate to be able to correct the situation.
What I was trying to state was to extend yourself on credit is not the best idea , and furthermore is that a zx14 will eat through fuel and tires as quick as it does miles, and if you are cash strapped it not the best bike out there as you will find ruber is pretty expensive.
That tire that lasts 10k on the virago will be gone in 4K on the zx14.... easily!
Oh, and that tire will coat 20-30% more $ too!
Old Guy is exaclty correct in his statement.
We are all trying to help.
In the past when I was growing up I found out exactly what he says, that shiny new vehicle was making my life pretty dull when I was having a hard time making the funds cover my expenses every month.
When that happens you begin to hate the new wheels pretty quick, and find yourself asking why or how did I ever do this to myself.
I hope I didn't come off wrong.
What ever you do, I hope your happy.
____________
natural selection.....
destiny will overcome intervention.
Some are not worthy of the effort.
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masszx14
Pro
A mind beside itself!
Posts: 1806
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posted August 11, 2009 08:22 AM
This is a good thread and the point is right on:
if you can avoid getting in debt- do so!
I'm not going to discuss what I do for living or my income here but for me it's simple: when there's cash for toys- purchases are made there and then.
No debt other than my house mortgage will ever tempt me!
Cars and toys are all paid for- you can live your life without them and walk to work if need be...just my $0.02
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universal@mind
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rudebwoy
Expert Class
Posts: 136
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posted August 11, 2009 10:08 AM
dude, evaluate your circumstances sensibly. If you want a new bike, do the math and personal appraisal of your lifes situation and if you can do it comfortably and want to, just get er done!
Few people have $15k laying about, if you know you are not one of those guys yet believe you can pay off over a short period of time and wish to have it now then make your own thoroughly thought out decisions.
No country or large business operates utterly without access to credit and financing (not even microsoft although they just may be able to). Know your limits, be truthful to yourself about what you can do comfortably, get gap insurance, get full coverage (required if you finance anyhow), get everything personal insurance, get your bike, live your life, enjoy the bike..
If anything, this is the kind of machine you can keep for years and years and not feel the want/need to move on to something else. If it just seems too close or puts monetary stress on you because of the truth regarding your present income...dont do it. If this will harm you in any way, dont do it, if you can...why not?
The longer redesign cycle compared to race bikes is great at keeping you off that crazy 'every 2-year' repli-racer temptation cycle. Get er, keep her maintained and keep 'er for a decade!
Dont mod it too much; now, we dont talk about it much but modding truly is a money pit.. it's good to have farkles but more than not they are not necessary and (using myself as an example) you can pour copious amounts of cash into a bike and will recover virtually nil in added monetary value, so save yer loot there.
If you are a street rider, tires arent so bad. I'm no dragstrip racer and never go balls out on the street but am a decent enough rider that can hold his own and my original rear tire lasted 8K..I swear to gawd! I find the rubber quite managable.
Get out there, live your life, enjoy it, maintain balance and have lots of girlfriends...
____________
'05 Triumph Speed Triple
'06 Triumph Daytona 675
'07 Kawasaki ZX-14
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14nooby
Zone Head
Posts: 987
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posted August 11, 2009 03:06 PM
KawaBonzai,
I wish I knew you were in AZ I was just there. Since your all set with the mula will you buy me a few rounds if I come visit? LOL I will be your friend then.......j/k. I have money but I still just hate when people at my job brag and just normally don't like those folks. No biggie and I am glad all your shits paid for. I really was just in AZ but in Scottsdale, Mesa area. It was like 115 degrees and boy I could not imagine riding in that stuff.
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KawaBonzai
Zone Head
Leader of the Back.
Posts: 537
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posted August 12, 2009 10:46 AM
quote:
KawaBonzai,
I wish I knew you were in AZ I was just there. Since your all set with the mula will you buy me a few rounds if I come visit? LOL I will be your friend then.......j/k. I have money but I still just hate when people at my job brag and just normally don't like those folks. No biggie and I am glad all your shits paid for. I really was just in AZ but in Scottsdale, Mesa area. It was like 115 degrees and boy I could not imagine riding in that stuff.
Yer welcome anytime, I'm a bit further south of Phoenix in Tucson. it's 2 degree's cooler here. 
Still hot enough to enjoy a beer though.
____________
PC-III w/USB, Muzzys M14 + Carbon Oval + M10, BMC Race Filter, Flies Out, Buell Pegs, Heli Risers
www.TucsonSportRiders.com - Tucson's Premier SportRider Community
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Luuk
Novice Class
Posts: 43
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posted August 12, 2009 02:14 PM
quote:
guys dont get me wrong, i understand what your saying, but as long as he dont finance everything he's got, thats the only way he can ride. i didnt quote it, but someone said he should get a 750.... hell hes still got to finance it!! yes it would be a little less, but still the same principle. you can get yourself between a rock and a hard place if your not careful, but like nooby14 said, not everyone has either won the lottery, has rich parents, or got lucky with a job making 250k a year. as long as he does it responsibly, its ok. yes he's paying more bc of interest, but thats what us middle class has to do sometimes.
btw,insurance is only $5a month difference between a 09 and 06.
Err...I think you missed my point about the 750 comment.
If $12k straps you and it's so high you can't even get a loan for that amount...maybe you should look at financing $7 or 8k and getting a 750. With the saved fuel mileage, etc. you may be able to halve the money over time that you need to come up with.
It was just a suggestion.
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MJ
Zone Head
Posts: 560
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posted August 13, 2009 03:04 AM
Its the US of A for gods sake, everybody needs the newest of everything instantly...thats how we roll lol. Who cares if we all get so deep in debt we're bike rich and constantly on the edge of financial disaster. You can't keep up the image riding 2 year old shit...that would be VERY un-american lmao. And equity's meant to spend right?
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eklipse636
Needs a life
ZX-14
Posts: 6046
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posted August 13, 2009 10:13 AM
If your die hard for a 14 you can pick up a 06 for less than 7k... I bet that would be easier to get financed
____________
Best: 60ft 1.351 1/8 5.68 mph 123.98 1/4
8.89 mph 151.32
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masszx14
Pro
A mind beside itself!
Posts: 1806
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posted August 13, 2009 10:47 AM
There's a nice 06 for $6K around here!
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universal@mind
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