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Old 10-16-2007, 10:16 PM   #61
texlurch
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Quote:
Originally Posted by dbuckzx7 View Post
Which one, bike or car?!?

BOTH!!
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Old 10-17-2007, 08:03 AM   #62
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yeah, image of "cheap",
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Old 10-17-2007, 08:09 AM   #63
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Quote:
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yeah, image of "cheap",
and "paid for"
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Old 10-17-2007, 09:16 AM   #64
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it should be required to have full coverage if you finance more than a certain percentage of the bike imo.
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Old 10-17-2007, 09:20 AM   #65
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Quote:
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funny thing about credit. credit is supposed to show you're good and smart with money. yet if you don't have any debt you don't have ea credit score. weird.
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Old 10-17-2007, 09:21 AM   #66
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ever hear


YOUNG AND DUMB. you just hit them in the head.
I hope that wakes them up from a nightmare that their in.
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Old 10-19-2007, 10:06 PM   #67
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here's one

http://houston.craigslist.org/mcy/453975032.html

liability only, financed.
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Old 10-19-2007, 10:58 PM   #68
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Quote:
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funny thing about credit. credit is supposed to show you're good and smart with money. yet if you don't have any debt you don't have ea credit score. weird.
See this is what advertising will do to your head.
Credit is not suppose to show you're good and smart. That's what the people who sell you the money want you to think. Credit shows that you didn't have the money to pay for what you wanted to buy.

And if you don't have any debt that means that you don't owe anyone. That is a good thing.

I also fail to see why it's not okay to tell people that they shouldn't live this way but it is okay to tell people that they don't have the right to say it. Good advice should always be okay to give and this was good advice. Just not everyone likes to hear it.
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Old 10-19-2007, 11:18 PM   #69
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what is this "insurance" you speak of?
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Old 10-19-2007, 11:19 PM   #70
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Quote:
Originally Posted by Fuzzy018 View Post
Not everyone's got 6 or 7 grand just lying around to buy a bike.

Financing is sometimes the only way.
A bike is a freakin' toy!!!!!!!There is this old school concept called SAVINGS. If you can 't afford to buy AND insure a bike, do you really need one? Do you have six months expenses in savings just in case you wad you and your financed bike up and can't work? This country is in a downward spiral, mostly due to people believing the deserve to live beyond thier means. It's called work people......do more, earn more, SPEND LESS!!! I'd be interested to see a poll on how many MH members have a retirement plan in progress(actually putting money away!!), or is everyone living like they could die tomorrow? Instant gratification is often followed closely by buyers remorse. Once the new wears off and you realize you'll have to pay $ dollars a month for the next five years it's not so cool anymore. If you can't pay cash, walk away. (All this great advice comes from my beautiful accountant wife......) Yeah, I got a smart one!!!!
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Old 10-19-2007, 11:22 PM   #71
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Quote:
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A bike is a freakin' toy!!!!!!!
true to some, mebbe not to others. i honestly dont see it any differently than financing a car. put some money down, get a good rate, and make sure your is covered (insurance) thats it. just because its alot more fun to drive, does not make it a "toy", at least not in my eyes. i wouldnt let my 4yo play with it.
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Old 10-19-2007, 11:27 PM   #72
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...buck, did you pay for your house with cash or a check? :-)

Teasing, but for the most part...I agree with ya.
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Old 10-19-2007, 11:35 PM   #73
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Could have paid with a check, but remember my wife is the smartest thing you will ever meet when money is involved. But I will pay off a 30 yr note in less than 10. Besides, I can't crash my house.......smart .
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Old 10-19-2007, 11:38 PM   #74
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Quote:
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Sorry what is your Question or is there one? are you venting? who are you to tell anyone how and when to spend their hard earned money? What gives you that right?
Are you serious? He's in his right, thats why this is called a FORUM...look it up if you do not know what this means. And he is right, having a new bike on ANY line of financial credit is plain stupid.

We do not control traffic conditions or other stupid drivers, so if i go down...I wont be in debt. And if its totalled and i live? I get my money back to get a bike i STILL wont be in any debt. Thats just using common sense.

In reality, the kids that don't think of the consequences end up getting one anyway simply because they do not want to wait to gather the amount of cash it takes to buy a bike. So get an actual job, wait a month and you're set. This is the way it SHOULD be done. Less hassle and papers to push.
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Old 10-19-2007, 11:42 PM   #75
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Quote:
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and "paid for"
I'm with you, there is no better ride than one paid for!
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Old 10-20-2007, 10:13 AM   #76
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haha thats funny my buddy just bought his first bike, 2007 cbr600rr, financed with 0% down, financed ALL his gear and upgrades (exhaust, fender delete kit, flush mounts, windsheild). He rides to my house the other night in shorts and a tee shirt (had his helmet) and im like wtf dude lets go back to your house so you can change...he was like why?...then I said "do you realize how f*d up youre gonna be if you go down...then he says..."well dude I wasnt planning on wrecking or anything" then I says...

"dude...think about what you just said and get back to me when you are ready to go put some gear on"
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Old 10-20-2007, 11:03 AM   #77
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Quote:
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haha thats funny my buddy just bought his first bike, 2007 cbr600rr, financed with 0% down, financed ALL his gear and upgrades (exhaust, fender delete kit, flush mounts, windsheild). He rides to my house the other night in shorts and a tee shirt (had his helmet) and im like wtf dude lets go back to your house so you can change...he was like why?...then I said "do you realize how f*d up youre gonna be if you go down...then he says..."well dude I wasnt planning on wrecking or anything" then I says...

"dude...think about what you just said and get back to me when you are ready to go put some gear on"


next time, take a pic of him and post it on the wall of shame thread and tell him to sign up to MH.
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Old 10-20-2007, 11:08 AM   #78
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dress to survive, not to ride
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Old 10-20-2007, 11:27 AM   #79
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Did you know that savings in the US are at an all-time low, the average household saves -1.8% of their salary each year. That means the average household goes FURTHER into debt with each passing year!

This is the nature of the nation we live in, instant gratification. It starts with parents being good examples to their kids. If they are bad with money and can't resist the tempation of 'keeping up with the Jones' then the kids certainly won't.

I'm glad my parents made me work my off each week for a measely $5 allowance. Anytime I wanted or needed more than that, I had to do extra jobs around the house like splitting firewood or clearing brush in our backyard. I mowed lawns and worked at Circuit City for 2 years so I could save enough $$ to buy my first bike at 20. I enjoy life now, without spending alot of $$ and I'm saving enough to hopefully retire at 50. I have no regrets rocking a 6 year old truck and a 7 year old bike!

The nation is setting itself up for a financial disaster. Bankruptcies are at an all time high... consumer spending is very near an all time high... home foreclosures are near an all time high...

Be responsible with your money and teach your kids how to be responsible with theirs!

Ok... sorry, I'll get off my soapbox now. I just get rather passionate about these types of subjects.
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Old 10-20-2007, 11:33 AM   #80
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It's so hard to resist the temptation and add to the fire, the finance company makes it so easy to take one home without thinking about the consequenses. Buy it now, no payment til 2010 or 0 down 0 interest, bankruptcies, bad credit, we approved everyone, $99 monthly payment.:/:
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