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Old 08-27-2015, 09:03 AM   #61
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Did you have to pay for full coverage insurance on that financed bike? How much did that cost?
Yeah, $45/mo. And I would've gladly paid that even if I didn't have to.
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Old 08-27-2015, 09:09 AM   #62
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Yeah, $45/mo. And I would've gladly paid that even if I didn't have to.
Isn't the 19 year old OP looking for a 600cc bike? He's not going to get your rate
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Old 08-27-2015, 09:11 AM   #63
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Isn't the 19 year old OP looking for a 600cc bike? He's not going to get your rate
Heheh - his insurance may well be that much per DAY.
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Old 08-27-2015, 09:13 AM   #64
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Isn't the 19 year old OP looking for a 600cc bike? He's not going to get your rate
True that. He can't afford the insurance on a supersport. For me it was going to be quadruple the bike note.
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Old 08-27-2015, 09:20 AM   #65
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What kind of interest are you pulling on your bank accounts?
That's not what I was conveying... I'd rather have a lot of cash on hand at any given moment, rather than drop it all at once. I am always careful not to deplete my nest egg.

I'm not an investing person, but I can assure you I will always have enough money to do whatever I want.

IMHO, I rather finance than outright buy something of great value.
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Old 08-27-2015, 09:25 AM   #66
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That's not what I was conveying... I'd rather have a lot of cash on hand at any given moment, rather than drop it all at once. I am always careful not to deplete my nest egg.

I'm not an investing person, but I can assure you I will always have enough money to do whatever I want.

IMHO, I rather finance than outright buy something of great value.
The amount of cash to buy a bike is not going to deplete my accounts. If you have other means of transportation and you're worried about cash on hand, then buying a street bike is not a wise choice because paying for it is only a start to the expense of owning, maintaining, and buying the proper gear.
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Old 08-27-2015, 10:15 AM   #67
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Quote:
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The amount of cash to buy a bike is not going to deplete my accounts. If you have other means of transportation and you're worried about cash on hand, then buying a street bike is not a wise choice because paying for it is only a start to the expense of owning, maintaining, and buying the proper gear.
But others might not have as much as you and I and that's what's the difference. All I'm saying is financing is not a bad idea. So many people look at it in a negative manner. I have always felt more grief letting go of cash rather than picking up another note.
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Old 08-27-2015, 10:31 AM   #68
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But others might not have as much as you and I and that's what's the difference. All I'm saying is financing is not a bad idea. So many people look at it in a negative manner. I have always felt more grief letting go of cash rather than picking up another note.
Financing a bike is not a good idea unless it's your only means of transportation, or if you can somehow turn the money you've borrowed into profit.
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Old 08-27-2015, 11:19 AM   #69
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Financing a bike is not a good idea unless it's your only means of transportation, or if you can somehow turn the money you've borrowed into profit.
So I recently bought the Harley. I had the money to buy it outright, but I pulled a loan on it for what it was worth according to NADA, paid the difference, and financed the rest to buy myself enough time to recoup the amount I would have dropped if I were to pay for it in full. So basically I was buying time. You're never going to profit unless you buy something severely under market price. I just know how to time my finances so that I always have cash on hand.
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Old 08-28-2015, 05:57 AM   #70
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What's up MH,
I wanted to know a good place to get an used bike from. Not a scooter, mountain bike but a sports bike particularly a 600 you know your gsxrs, cbrs, zx6rs.. you get the point. However keep in mind that I'm super young (19) I and I don't have any credit really established. I'm pretty sure most places ask for co-signers. Is there away to skip this step? Everyone I know is against the ideal because they feel it's unsafe, so you can imagine I'm having a hard time here. Thanks you for the feedback in advance .
lol I paid cash
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Old 08-28-2015, 06:08 AM   #71
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So I recently bought the Harley. I had the money to buy it outright, but I pulled a loan on it for what it was worth according to NADA, paid the difference, and financed the rest to buy myself enough time to recoup the amount I would have dropped if I were to pay for it in full. So basically I was buying time. You're never going to profit unless you buy something severely under market price. I just know how to time my finances so that I always have cash on hand.
I always keep an emergency fund at an equivalent of at least 6 months of living expenses. Anything over that is motorcycle gravy.
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