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Old 06-04-2013, 04:27 PM   #81
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Quote:
Originally Posted by Chris_5.0 View Post
Ill finance my groceries


Its important
you and your payday loans
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Sure, I've been called a xenophobe, but the truth is, I'm not. I honestly just feel that America is the best country and the other countries aren't as good. That used to be called patriotism.

yeah. I thought it'd be like riding with a condescending rossi.
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Old 06-04-2013, 04:29 PM   #82
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It's just my opinion on the topic. Don't get all hurt
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Old 06-04-2013, 04:29 PM   #83
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It's just my opinion on the topic. Don't get all hurt
your opinion sux.....
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Old 06-04-2013, 04:32 PM   #84
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It's just my opinion on the topic. Don't get all hurt
ANSWER THE QUESTIONS!!!






































































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Sure, I've been called a xenophobe, but the truth is, I'm not. I honestly just feel that America is the best country and the other countries aren't as good. That used to be called patriotism.

yeah. I thought it'd be like riding with a condescending rossi.
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Old 06-04-2013, 04:33 PM   #85
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your opinion sux.....
So does financing a bike
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Old 06-04-2013, 04:35 PM   #86
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Cause toys you have fun with. Why fianace a new bike? Cause on that new bike you'll probably want to do a track day or 2. IF you get into a wreck on the track what's gonna happen? Maybe insurance won't cover it and your out of luck paying for a wrecked bike. Finance something like a nice car or truck thats gonna get you around. Spend money wisely is what I'm trying to say.
Who made you the master of all wise decisions?
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Old 06-04-2013, 04:38 PM   #87
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So does financing a bike
financing ANYTHING that has a negative gain is stupid.

so, Mr. Geenimus, whatcha gotta say to that....
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Old 06-04-2013, 04:38 PM   #88
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you and your payday loans
Yup my money is financed
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Old 06-04-2013, 04:43 PM   #89
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Shhh. Someone said it to him and he likes the way it sounds. He is just passing it down.
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Old 06-04-2013, 05:07 PM   #90
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Quote:
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Yo tengo muy grande gallo en mi pantalones......
no wonder hes mad at you, you just told him in espanol his credit sux and 5800/month aint chit..:no tworthy:
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Old 06-04-2013, 05:21 PM   #91
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let me try and address these:

True
Cause I want to

Not really, I want a dedicated track bike

The bike will get rash, as will my gear....hopefully I only take out the plastics.

My bike gets me a around better than any stupid car.

I'll spend my money any damned way I see fit, who are you to tell a person that?

If you finance, technically it ain't yo monay..
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Old 06-04-2013, 06:04 PM   #92
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Why would anyone want to do that??


He wants to pay interest it!

The underwriters are just too stupid to see a great candidate.
It's not the interest dumbass... It's building credit... If you buy everything with cash it dosnt help your credit at all. When I go to buy a house I want the best deal possible.
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Old 06-04-2013, 06:13 PM   #93
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If you finance, technically it ain't yo monay..
Ok, I will go along with that, but it would sound stupid if I said "because it is my word, I can do with it as I please."

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Old 06-04-2013, 06:30 PM   #94
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In general, you should finance everything you possibly can....if you can loan those funds out at higher interest rates, and cover your risk thru diversity. That's why all of America has IRA's invested in stocks, with mortgages on their homes at the same time. Managed money should grow, in the long run.

Example, my student loans...$35k now. 5% interest or so, dunno, don't really care. Could I pay them off with cash, sure! But I'd rather my money be loaned out at 18% to small strong businesses with current cash flow problems. It works out well for me to keep this debt. About $5000 a year, just for that one.

But when you talk about a toy, that requires expensive full coverage insurance, it becomes a grey area. Risk vs reward gets muddied up and your emotions lead to bad decisions.

And when you just finished college and 2 weeks ago were desperate for a job to make ends meet...well, I wouldn't loan you either. Having a job is a completely different concept from keeping a job. Askthe numnuts I've fired in my lifetime. Credit unions respect this too, with often having 6 months minimum employment to join the company credit union. That's just good business.

And quit pickin on Stubbs. Even if it is the 59 store....
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Old 06-04-2013, 06:40 PM   #95
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Quote:
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In general, you should finance everything you possibly can....if you can loan those funds out at higher interest rates, and cover your risk thru diversity. That's why all of America has IRA's invested in stocks, with mortgages on their homes at the same time. Managed money should grow, in the long run.

Example, my student loans...$35k now. 5% interest or so, dunno, don't really care. Could I pay them off with cash, sure! But I'd rather my money be loaned out at 18% to small strong businesses with current cash flow problems. It works out well for me to keep this debt. About $5000 a year, just for that one.

But when you talk about a toy, that requires expensive full coverage insurance, it becomes a grey area. Risk vs reward gets muddied up and your emotions lead to bad decisions.

And when you just finished college and 2 weeks ago were desperate for a job to make ends meet...well, I wouldn't loan you either. Having a job is a completely different concept from keeping a job. Askthe numnuts I've fired in my lifetime. Credit unions respect this too, with often having 6 months minimum employment to join the company credit union. That's just good business.

And quit pickin on Stubbs. Even if it is the 59 store....


I must say you do have a valid point!
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Old 06-04-2013, 06:57 PM   #96
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Old 06-04-2013, 07:02 PM   #97
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That fact that you need FC insurance is only a factor if you wouldnt carry it otherwise. I paid 8000 cash for a bike and still carried FC. That FC paid off in 3 months when the bike was stolen. At that time it was 3k a year. Seemed high as giraffe but I paid for it. Worked out.
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Old 06-04-2013, 07:12 PM   #98
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Quote:
Originally Posted by Mr.P View Post
In general, you should finance everything you possibly can....if you can loan those funds out at higher interest rates, and cover your risk thru diversity. That's why all of America has IRA's invested in stocks, with mortgages on their homes at the same time. Managed money should grow, in the long run.

Example, my student loans...$35k now. 5% interest or so, dunno, don't really care. Could I pay them off with cash, sure! But I'd rather my money be loaned out at 18% to small strong businesses with current cash flow problems. It works out well for me to keep this debt. About $5000 a year, just for that one.

But when you talk about a toy, that requires expensive full coverage insurance, it becomes a grey area. Risk vs reward gets muddied up and your emotions lead to bad decisions.

And when you just finished college and 2 weeks ago were desperate for a job to make ends meet...well, I wouldn't loan you either. Having a job is a completely different concept from keeping a job. Askthe numnuts I've fired in my lifetime. Credit unions respect this too, with often having 6 months minimum employment to join the company credit union. That's just good business.

And quit pickin on Stubbs. Even if it is the 59 store....
that's great advice for people who manage their portfolio's well. It's unfortunate that most people just borrow, borrow, borrow until someone says no....and then eventually life throws a curveball and they are screwed. I'm kinda glad lending has tighten up.
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Old 06-04-2013, 07:14 PM   #99
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The economy revolves on credit and loans.
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Old 06-04-2013, 07:23 PM   #100
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Quote:
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The economy revolves on credit and loans.
THAT'S fine....just don't lend to people for the sake of driving the economy....

if they earn 50k, carry 60% debt to income and barely put $$$ away (if any) don't lend. But hey, I'm no banker.
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