How do you buy your bike?

[EJK]

Just curious. How do you guys pay for your bike?

[McJim]

I would hate to owe money on a depreciating asset - imagine owing $25,000 plus interest on a bike that's only worth $20,000 a year later.

I may only have a 1998 Ducati and a 2003 Falcon but at least they're mine and no repo man can take them away from me.

[discotex]

Cash FTW.

I'd use finance as a last resort but no more than half the value of the bike.

Bikes suck enough money on rego/insurance/tyres/servicing/trackdays/etc that you don't want to be paying big weekly repayments on something that is losing it's value quickly.

The general rule is don't buy depreciating crap (a car or bike is not a true asset) with credit. Only use credit to buy stuff that makes you more money than the interest.

[Usarka]

A lot of the old coots are predicting gen-y'ers are going to be learning some hard lessons in the next year or so.......

Cashola, unless it's on the mortgage.

If you have a mortgage and shitloads of cash then wtf......?

[Drunken Monkey]

Folding only.

Never finance toys.

[discotex]

If you have a mortgage and shitloads of cash then wtf......?

Given the mortgage rates are dropping fast it won't be too hard to find an investment that pays more after tax. In that case it's better to keep your cash in other places.

In other words always have the money in the place that's making you the most income (or costing you the least).

For example there's no point paying off the mortgage like crazy if you have 30k in credit card debt.

[Bonez]

Cash. The cheaper the better. Buy a bike at the bottem of the depreciating scale. Lots of goodies out there.

[doc]

Given the mortgage rates are dropping fast it won't be too hard to find an investment that pays more after tax. In that case it's better to keep your cash in other places.

In other words always have the money in the place that's making you the most income (or costing you the least).

For example there's no point paying off the mortgage like crazy if you have 30k in credit card debt.

These are times to get back to the basics, as I'm an oldfart, I'd get rid of debt in these times.

Fark sake having 30k in credit card debt :gob:, isn't this part of the reason we have this problem ?

Your biggest asset is your ability to earn.

[WolfCollared]

:oi-grr::oi-grr:

[MadDuck]

Just curious. How do you guys pay for your bike?

I stole mine ;)

[Trudes]

I stole mine ;)

hahahhaa hhahaha

[samgab]

I think I would use finance if it was on interest free for 12 Month terms. For instance Suzuki is doing 12 Months interest free on their GSX650F ATM. So when it comes time to upgrade to a bigger bike, if someone is doing a deal like that I'd consider financing, and paying it off within the interest free period, but other than that: Cash.

And how long before you get another bike EJK?

[AllanB]

I would hate to owe money on a depreciating asset .

Funny times these.

A chap at work purchased a brand spanking new CB1300 (naked one) almost 2 years ago for a special price of $12500.

Pre Xmas my local Honda dealer had a nice blue CB1300, identical to the one mentioned above apart from gold wheels instead of black, for $14500.
3 weeks ago the same bike was up to $16,000. Yesterday while walking the bike shops at lunch time I spy the same bike for $19,000.

At that rate his 2 year old low km immaculate CB1300 is quite possibly worth what he paid for it as a trade-in!!!!!!!!!!!

Three weeks ago the new CB1000 Predator was in there for $19,000 yesterday they were $22,000.

Personally I am now in a position where if I have the misfortune to write -off my CB919 Hornet, I could not afford to replace it with a new bike. :(

[madmal64]

Mr C Ash paid for mine. Therefore it is mine and and mine alone.
Its one of my toys and these sort of things are not supposed to be a burden on the family & personal finances.
Short version... Cant afford it .... dont get it

[discotex]

These are times to get back to the basics, as I'm an oldfart, I'd get rid of debt in these times.

Fark sake having 30k in credit card debt :gob:, isn't this part of the reason we have this problem ?

Your biggest asset is your ability to earn.

It's always a good time to clear personal debt. I don't have $30k in credit card debt by the way it was just an example. I pay my balance every month.

Personally I'd rather not rely on my ability to earn and am working to replace my income with non-employee means as soon as possible. Ideally within 10 years. Only wish I'd started 10 years ago.

[breakaway]

The guys who say "I don't buy new due to depreciation" make a good point, however at some point I'd like to own something that hasn't been raped by someone else first :p

Also I'm a 100% cash buyer. NEVER going to 'finance' anything, other than a house.

[McJim]

The guys who say "I don't buy new due to depreciation" make a good point, however at some point I'd like to own something that hasn't been raped by someone else first :p

If you're gonna ride it off a cliff anyway it doesn't really matter if it got raped by someone else though does it?:rofl:

[EJK]

And how long before you get another bike EJK?

I will tell my story later when it gets a good wash :innocent:

[YellowDog]

I think I would use finance if it was on interest free for 12 Month terms. For instance Suzuki is doing 12 Months interest free on their GSX650F ATM. So when it comes time to upgrade to a bigger bike, if someone is doing a deal like that I'd consider financing, and paying it off within the interest free period, but other than that: Cash.

And how long before you get another bike EJK?
Interest Free = bike is over priced to pay the free interest.

[EJK]

One another question. What's the price of a Honda CBR600RR's in Auckland? Correct me if I am wrong, I saw a price tag of $19,000-ish for the 600 model down here in Christchurch.

And did I mentioned $25,000-ish tag for the latest CBR1000RR?

[discotex]

One another question. What's the price of a Honda CBR600RR's in Auckland? Correct me if I am wrong, I saw a price tag of $19,000-ish for the 600 model down here in Christchurch.

And did I mentioned $25,000-ish tag for the latest CBR1000RR?

$17,500 at Cyclespot (http://www.trademe.co.nz/Trade-Me-Motors/Motorbikes/Motorbikes/Sports/auction-109479773.htm). Probably have some room to move on that tho.

Holy shit did I get a good deal a year ago or what :gob: - EDIT: exactly why you should pay cash....

I don't feel so bad about about loading up the kms now.

[The Stranger]

Wow, deja vu.

[Mully]

Wow, deja vu.

What's mustard got to do with it??

Oh, and mine was cash. And Miss Mully's was cash.

[samgab]

The guys who say "I don't buy new due to depreciation" make a good point, however at some point I'd like to own something that hasn't been raped by someone else first :p

Also I'm a 100% cash buyer. NEVER going to 'finance' anything, other than a house.

I agree, I look forward to one day buying a brand new bike (with cash)
The second hand one I just bought is in pretty good nick, and has been really looked after, but I made a list of the things I need to replace to be totally happy with its condition, at 7 years old, and 20000 Kms:
Chain,
sprockets, front and rear
brake fluid, front and rear
Tires, front and rear
coolant fluid
brake pads, rear
spark plugs

and also want the valve clearances and the carb sync checked.

so that'll all add up, especially the tires/chain part.

At least buying brand new you know all of those parts are brand new.

I also don't know how worn the clutch is, or how it was broken in.

So this is a bike that was just under $8G brand new in 2002, and is going for upwards of $4G now. When you add the required spend to that, you have to wonder if it isn't worth just saving a bit longer and buying brand new.
Or ex-demo.

[sunhuntin]

first bike was a hand me down. second bike was paid for by my parents to replace the first bike [and also as a "we're sorry we bought dingus a harley, so heres a POS ginny to smooth things over with."] current bike was paid for out of my savings... the whole she-bang. 500 was bought with a bank loan which ill be paying back for another 5 years or so.

high ticket items, i like to pay for right then and there so i know its not hanging over me.

[Gremlin]

Cash... keeps my life simple, no-one controls the bike

Seen plenty end up with a seriously complicated mix of finance, their requirement the bike is insured, they can tell you what you can and can't do, etc.

[samgab]

I will tell my story later when it gets a good wash :innocent:

Ooh, that all sounds a bit exciting!

[The Stranger]

What's mustard got to do with it??


I give up. What?

[The Stranger]

Cash FTW.



Set aside depreciation, rego, insurance, servicing and trackdays as those are all costs that you will have whether or not you borrow to purchase a bike.

If you don't borrow, chances are you will get an older bike, with an older bike comes more repairs. Chains, sprockets, brake disks, bearings, forks shocks, well pretty much anything is fair game. Point is it costs you anyway, plus the bike is likely off the road more and in some cases they have been known to fuck with people's head such that they won't go on a trip etc.
So - you pay additional money for an old bike (for R&M) and you get a less enjoyable experience.

OR

You borrow buy a new/newer or lower km bike. It has less km and perhaps even a warranty. You pay some interest, but that's it, you don't pay for the delayed maintenence from the last guy. You enjoy the later refinements and you are happy and more condifent to take this puppy touring, use it daily etc. Your ability, confidence and enjoyment factor is excellent. All for what, an extra $1,000.00 in interest - which don't forget you saved on repairs anyway.

Remind me again how cash is FTW.

[samgab]

I give up. What?

You don't get the Dijon mustard link? Dijon vous? Meh, nevermind.

[The Stranger]

You don't get the Dijon mustard link? Dijon vous? Meh, nevermind.

What the fuck?
Poncey bastard, you need a good bitch slap just for knowing that. Real men don't know that shit, nor should they.
It's yellow and comes out of a squeeze bottle in the fridge for fuck sake, that's all you need to know.

[samgab]

What the fuck?
Poncey bastard, you need a good bitch slap just for knowing that. Real men don't know that shit, nor should they.
It's yellow and comes out of a squeeze bottle in the fridge for fuck sake, that's all you need to know.

I lol'd :laugh:. Oh, and it might not even be what Mully meant...

[Slyer]

Its going to be a while till I'm rich enough to buy everything cash...
Just starting out flatting, a lot of expenses coming my way. <_<

[rat biker 08]

Mine was free and cost me $200 to get going it,s old but go,s real good:2thumbsup:scooter:

[discotex]

Remind me again how cash is FTW.

The only way your scenario pans out is if you could have afforded to pay cash for the older bike (say $10k) and you just borrow the top-up amount (say another $5k) over a short term like 12mths. Even then you're only saving against risk of the old bike having issues. Checking the history of the older bike could have been equally effective.

I think you'll find I covered the fact there are special circumstances already when I said borrow no more than half the value. Finance *can* be used strategically if you crunch the numbers. It's just that most kiwis have no clue when it comes to managing debt or investing - although the poll results show KBers have a better idea than the average.

Full finance on a $15k bike over 3 years will cost a shit load more than $1000 in interest and will leave you down around $125 EVERY week.

Anyone thinking of financing anything should use the Sorted calculator first - http://www.sorted.org.nz/calculators/hire-purchase/

[Dean]

Just curious. How do you guys pay for your bike?

how do i pay for my bike....a little thing called parents i purchased them in 1989 now they feed me clothe me and buy me motorcycles they come with a lifetime warranty so i can take them back when i like.:beer:

[MotoGirl]

It's nice to pay cash for things but you also need to consider:

How long it will take to save for the bike you really want. If I wanted to buy a new RSVR (they're about $26,000) and was only capable of saving $100 a week, it'd take me five years to save up for it. Gee, I wonder if the bike would still be available when I've finally got the cash?
What you're prepared to pay for the pleasure of having your dream bike sitting in your garage versus getting sad every time you see one because you can't afford it yet.
Whether you want to get a credit rating. My cousin earned over $60,000pa and had NO debt, and she couldn't even get a $5,000 loan because she'd always paid cash for everything.
Whether you have the willpower to save the money, or whether you are at risk of wasting it on other things. I wouldn't have the patience to spend five years saving for something and I'd probably spend the money on something else.


I paid cash for the RSVR (and sacrificed a trip to Japan to have it) but I have financed things in the past through personal loans. My rationale was that I can afford to have things right now and any interest is small compared to the enjoyment I get out of having that item. Plus, where you can get things interest free, the money sitting in my bank account accruing interest can work out to a greater amount than any discount I would've got by paying cash.

As a side note, I do realise that KB has people in a diverse range of income brackets. I would be interested to know whether a particular group is more inclined to pay cash than another?

[Slyer]

Buy an older smaller capacity bike with cash and have fun riding and not having to pay interest.

[The Stranger]

The only way your scenario pans out is if you could have afforded to pay cash for the older bike (say $10k) and you just borrow the top-up amount (say another $5k) over a short term like 12mths. Even then you're only saving against risk of the old bike having issues. Checking the history of the older bike could have been equally effective.

I think you'll find I covered the fact there are special circumstances already when I said borrow no more than half the value. Finance *can* be used strategically if you crunch the numbers. It's just that most kiwis have no clue when it comes to managing debt or investing - although the poll results show KBers have a better idea than the average.

Full finance on a $15k bike over 3 years will cost a shit load more than $1000 in interest and will leave you down around $125 EVERY week.

Anyone thinking of financing anything should use the Sorted calculator first - http://www.sorted.org.nz/calculators/hire-purchase/

Well, sure it was re a top up loan. I compared 2 scenarios. What you could afford to buy outright V what you could afford to borrow. So the full finance option is not really relavent to the example I gave.

However according to your link 5k over 36 months at 10% (was easily available from YMF not long ago) is only $791.07. Cheaper than a set of front disks on some bikes.

So no need for special circumstances, simple economics suggests that you are better off to borrow a top up if it will mean the difference between an older/higher milage bike and a newer lower milage one.
Though it is not hard to see where special circumstances would mean it is economically viable to borrow the lot.

[discotex]

It's nice to pay cash for things but you also need to consider:

How long it will take to save for the bike you really want. If I wanted to buy a new RSVR (they're about $26,000) and was only capable of saving $100 a week, it'd take me five years to save up for it. Gee, I wonder if the bike would still be available when I've finally got the cash?


Even at a low 10% interest you'd need a 6 year plan to get anywhere near close to $100/wk repayments. And you'd pay over 8k in interest over that period.



What you're prepared to pay for the pleasure of having your dream bike sitting in your garage versus getting sad every time you see one because you can't afford it yet.

Yep and vs having a bike that you can't sell for enough to pay back the debt and pining over the latest and greatest that came out 2 years after you got your "dream" bike.



Whether you want to get a credit rating. My cousin earned over $60,000pa and had NO debt, and she couldn't even get a $5,000 loan because she'd always paid cash for everything.

NZ doesn't have a positive rating system like the US so you can't rack up a positive credit rating by borrowing.

You can however get a reference from a previous creditor. The days of needing that might be coming back. So yeah, finance a $500-1000 item on a no-interest deferred payments deal to prove you can do it. Or get a credit card with a small limit ($2k max) and pay the balance every month.



Whether you have the willpower to save the money, or whether you are at risk of wasting it on other things. I wouldn't have the patience to spend five years saving for something and I'd probably spend the money on something else.

You sound like me which means you'll also probably wish you weren't stuck paying off something for 5 years when your tastes/wants change.



I paid cash for the RSVR (and sacrificed a trip to Japan to have it) but I have financed things in the past through personal loans. My rationale was that I can afford to have things right now and any interest is small compared to the enjoyment I get out of having that item. Plus, where you can get things interest free, the money sitting in my bank account accruing interest can work out to a greater amount than any discount I would've got by paying cash.

You sound like the kind of person who has the wit to make a rational decision about what the costs are vs the rewards and knows how to use finance safely. :niceone:

[The Stranger]

Buy an older smaller capacity bike with cash and have fun riding and not having to pay interest.

Either way you pay.
You pay interest or you pay repairs - sure there are exceptions, that is expected, however, in general that is correct, older bikes need more maintenence.
But one way you get a newer nicer bike to ride.
See if you can figure out which way.

[discotex]

Well, sure it was re a top up loan. I compared 2 scenarios. What you could afford to buy outright V what you could afford to borrow. So the full finance option is not really relavent to the example I gave.

You never mentioned it was a top up deal which is why I cleared it up.



However according to your link 5k over 36 months at 10% (was easily available from YMF not long ago) is only $791.07. Cheaper than a set of front disks on some bikes.

So no need for special circumstances, simple economics suggests that you are better off to borrow a top up if it will mean the difference between an older/higher milage bike and a newer lower milage one.

That's not economics. That's risk management. You could buy the older bike from a dealer and pay for a warranty instead. Or get someone like yourself to check it out.

Unless you buy brand new you'll always have the issue of not knowing how the bike was treated. A bike with 12000km could have been thrashed vs a bike at 36000 could have been loved tenderly.

Like I said there *are* circumstances where it works in your favour but most people who finance aren't doing it for those reasons and don't have a clue how to decide on the numbers.



Though it is not hard to see where special circumstances would mean it is economically viable to borrow the lot.

Exactly... Possible but very uncommon.

Therefore cash FTW. QED.


EDIT: And don't forget in your example we're excluding the opportunity lost on the $5k that's going on a slightly newer bike and excluding the loss on resale value due to depreciation.

[The Stranger]

That's not economics. That's risk management. You could buy the older bike from a dealer and pay for a warranty instead. Or get someone like yourself to check it out.



No what you suggest (attempting to second guess the condition of a bike) is risk management. If you look at it on a balance of probability (i.e second hand bikes cost more in maintenence period) it becomes economics.
Reality is You "may" get a good un, well done, but where do all the POS bikes go?
They are still out there and people still buy them, therefore the maintenence costs are still being expended by someone somewhere.

But hey, what would I know?
Someone has to buy my high milage slightly worn second hand bikes and the bigger the market the better - for me so :rockon:

[discotex]

No what you suggest (attempting to second guess the condition of a bike) is risk management. If you look at it on a balance of probability (i.e second hand bikes cost more in maintenence period) it becomes economics.

As soon as you're talking probability you're talking risk management and are in effect using finance to buy new as a form of insurance (that actually offers no more cover compared to buying a dealer warranty on a 2yr old 2nd hand bike).

Don't get me wrong - I do think there will be times that it makes sense to spend a little more to save in the long run. It's exactly why I got a brand new 600rr over a second hand bike. But I paid a premium for peace of mind and I'm glad I'm not paying interest on top of that.



Reality is You "may" get a good un, well done, but where do all the POS bikes go?
They are still out there and people still buy them, therefore the maintenence costs are still being expended by someone somewhere.


To be fair I don't think there's that many POS bikes out there and they're usually dead easy to spot if you know a little about bikes. Most bikes don't need any major work until 50,000km if they have a good service history which is easy to check.



But hey, what would I know?


Huh? You started this debate by ripping into my post.... I've already conceded you have a valid point in *some* circumstances even though I consider it is usually a false economy.

Can you at least agree to this?:

That from a purely financial perspective if you have the cash it is always better to pay cash or buy a cheaper brand new bike within your budget rather than finance your dream bike.

[Dean]

No what you suggest (attempting to second guess the condition of a bike) is risk management. If you look at it on a balance of probability (i.e second hand bikes cost more in maintenence period) it becomes economics.
Reality is You "may" get a good un, well done, but where do all the POS bikes go?
They are still out there and people still buy them, therefore the maintenence costs are still being expended by someone somewhere.

But hey, what would I know?
Someone has to buy my high milage slightly worn second hand bikes and the bigger the market the better - for me so :rockon:

i say the stranger wins discotex got owned in this debate/argument but discotex your the man to.actually you both win because your both the man or mans:first::second::argue::niceone:

[AllanB]

I see tickets all over my local Honda dealers bikes offering 24 months at 8% - thats pretty good, especially if you have something to trade that they are interested in.

It's a shame they keep putting their prices up though!!!!!

[The Stranger]

As soon as you're talking probability you're talking risk management and are in effect using finance to buy new as a form of insurance (that actually offers no more cover compared to buying a dealer warranty on a 2yr old 2nd hand bike).

Don't get me wrong - I do think there will be times that it makes sense to spend a little more to save in the long run. It's exactly why I got a brand new 600rr over a second hand bike. But I paid a premium for peace of mind and I'm glad I'm not paying interest on top of that.



To be fair I don't think there's that many POS bikes out there and they're usually dead easy to spot if you know a little about bikes. Most bikes don't need any major work until 50,000km if they have a good service history which is easy to check.



Huh? You started this debate by ripping into my post.... I've already conceded you have a valid point in *some* circumstances even though I consider it is usually a false economy.

Can you at least agree to this?:

That from a purely financial perspective if you have the cash it is always better to pay cash or buy a cheaper brand new bike within your budget rather than finance your dream bike.

Sir, I've had my say, that's it from me on that subject.

However, debating your well meaning, yet (in my view) incorrect advice is hardly "ripping into".

[dave_a]

my first bike was on finance, well 6500 of it was, I paid it off in around 4 months and all up it cost me around an extra 250-300 I cant remember exactly including the paperwork, Sometimes it is better to finance.


I had the cash waiting there but didnt want to take it out of my house deposit money incase I found something and to me I think it was better for me to finance rather than buy because even if I did pay with cash I wouldnt have saved up as much as I had paid off.

[discotex]

i say the stranger wins discotex got owned in this debate/argument but discotex your the man to.actually you both win because your both the man or mans:first::second::argue::niceone:

:lol: coming from the guy who's mummy paid for his bike that's hardly a credible review.

Have you noticed that 3/4 of the poll results agree with me :msn-wink:

[discotex]

Sir, I've had my say, that's it from me on that subject.

However, debating your well meaning, yet (in my view) incorrect advice is hardly "ripping into".

Just a figure of speech. You appeared to be taking what I considered a healthy debate a little personally with the "but hey, what would I know" comment and I was reminding you you began the debate.

I'll ask you again...



Can you at least agree to this?:

That from a purely financial perspective if you have the cash it is always better to pay cash or buy a cheaper brand new bike within your budget rather than finance your dream bike.

Or are you going to attempt to avoid answering the question again because you'd hate to admit I'm right here?

[Dragon]

I bought my car with finance to get myself a credit history but I have the money to pay it off if the S**t hits the fan. Also it will be paid off fully by the end of this year and then with my licence back and knowing whats happening with work I can put aside my verious bad expirences of hearing stuff my mates have done on bikes and buy myself a new one. :D

[Dean]

:lol: coming from the guy who's mummy paid for his bike that's hardly a credible review.

Have you noticed that 3/4 of the poll results agree with me :msn-wink:

geez you dont have to take it personally all i said was the stranger won the debate and you lost, accept the defeat .im very dissapointed in your attitude towards my somewhat uplifting comment to you mr discotex.oh well atleast i didnt have to work for my bike while you have to attend your usual sweat shop hoping to afford a proper bike.some day you will grow from a boy to a man :lol::lol:

[discotex]

geez you dont have to take it personally all i said was the stranger won the debate and you lost, accept the defeat .im very dissapointed in your attitude towards my somewhat uplifting comment to you mr discotex.oh well atleast i didnt have to work for my bike while you have to attend your usual sweat shop hoping to afford a proper bike.some day you will grow from a boy to a man :lol::lol:

Oh dude I was talking trash at you can't you tell? No need for :cry:

Poll results don't lie mate. Although I need work on convincing the under 20's who have no idea about money. Must talk to Obama about how to reach that audience ;)

BTW, I paid cash for the bike in my sig....

[Dean]

Oh dude I was talking trash at you can't you tell? No need for :cry:

Poll results don't lie mate. Although I need work on convincing the under 20's who have no idea about money. Must talk to Obama about how to reach that audience ;)

BTW, I paid cash for the bike in my sig....

look can you please stop being so rude to me your how old and your talking trash to me i could be young enough to be your kid.the stranger is a mentor and judging by the posts he knows what hes talking about.do you enjoy telling young kids too go have a cry on kb.all i wanted to do was compliment you in the first place remember when i said "your both the man or mans" arent you supposed to be a mature adult/role model for learner kbers

[Naki Rat]

Also I'm a 100% cash buyer. NEVER going to 'finance' anything, other than a house.

My thoughts exactly.
And when somebody was forced to sell their pride and joy on Trade Me my cash talked very loudly.

[Richi]

:lol: coming from the guy who's mummy paid for his bike that's hardly a credible review.

Have you noticed that 3/4 of the poll results agree with me :msn-wink:

3/4 of the poll results say they paid cash, doesnt mean its the best thing to do all the time... People have different opinions on whether u should pay cash or HP it... Thats all they are, opinions. There is no RIGHT or WRONG answer, just preference. Oh well sounds like u r happy saving up and paying cash. Others are happy ticking it up. 6 of one, half a dozen of the other

[discotex]

look can you please stop being so rude to me your how old and your talking trash to me i could be young enough to be your kid.the stranger is a mentor and judging by the posts he knows what hes talking about.do you enjoy telling young kids too go have a cry on kb.all i wanted to do was compliment you in the first place remember when i said "your both the man or mans" arent you supposed to be a mature adult/role model for learner kbers

Oh man don't make me out to be the big baddy for yanking your chain. Come 'ere and have a :hug:

Trash talking is 95% (some would say 99.9%) of KB's content in case you hadn't noticed :sunny:

A lot of the stuff here is pretty funny shit when you don't take it personally. I doubt The Stranger has any ill will towards me much as we disagree on this. I certainly don't have any towards him. Judging by his other posts he enjoys a strong debate as much as I do.

P.S. The Stranger is a motorcycle mentor, not a financial mentor (thank the lord or you'd all be fucked :msn-wink:) ---- yes that's a joke dammit -- *badoom pshhhhh* and all that.

[Richi]

Oh man don't make me out to be the big baddy for yanking your chain. Come 'ere and have a :hug:

Trash talking is 95% (some would say 99.9%) of KB's content in case you hadn't noticed :sunny:

A lot of the stuff here is pretty funny shit when you don't take it personally. I doubt The Stranger has any ill will towards me much as we disagree on this. I certainly don't have any towards him. Judging by his other posts he enjoys a strong debate as much as I do.

P.S. The Stranger is a motorcycle mentor, not a financial mentor (thank the lord or you'd all be fucked :msn-wink:) ---- yes that's a joke dammit -- *badoom pshhhhh* and all that.

Cmon bag my post!!! DOOOOO EEEETTTTT

[Dean]

Oh man don't make me out to be the big baddy for yanking your chain. Come 'ere and have a :hug:

Trash talking is 95% (some would say 99.9%) of KB's content in case you hadn't noticed :sunny:

A lot of the stuff here is pretty funny shit when you don't take it personally. I doubt The Stranger has any ill will towards me much as we disagree on this. I certainly don't have any towards him. Judging by his other posts he enjoys a strong debate as much as I do.

P.S. The Stranger is a motorcycle mentor, not a financial mentor (thank the lord or you'd all be fucked :msn-wink:) ---- yes that's a joke dammit -- *badoom pshhhhh* and all that.

fair enough , but i at first didnt understand why you ripped me for saying stranger was better even though i said you were good to

[Dean]

3/4 of the poll results say they paid cash, doesnt mean its the best thing to do all the time... People have different opinions on whether u should pay cash or HP it... Thats all they are, opinions. There is no RIGHT or WRONG answer, just preference. Oh well sounds like u r happy saving up and paying cash. Others are happy ticking it up. 6 of one, half a dozen of the other

i agree with richi also,thanks richi for setting em straight

[discotex]

Cmon bag my post!!! DOOOOO EEEETTTTT

Look I'm only gonna offer you this deal because this thread isn't in rant and rave and the posts count :lol:

Go read my original post and see if you really disagree with it. If you do tell me why and then we'll talk mmm kay?

[discotex]

fair enough , but i at first didnt understand why you ripped me for saying stranger was better even though i said you were good to

It's standard fare around these parts to engage in cutting pisstakes. I assumed you got that because what you said was pretty funny if you were meaning to be sarcastic.

Was kinda like you meant - "don't feel bad for coming last.... you came 2nd bro!" I pissed myself :lol:

Didn't realise you were being serious cause it doesn't happen much on KB :Oops:

No ripping intended mate.

[McJim]

geez you dont have to take it personally all i said was the stranger won the debate and you lost, accept the defeat .im very dissapointed in your attitude towards my somewhat uplifting comment to you mr discotex.oh well atleast i didnt have to work for my bike while you have to attend your usual sweat shop hoping to afford a proper bike.some day you will grow from a boy to a man :lol::lol:

But it's not a contest - it's a debate. In order to win a debate you must manage to persuade the other party that your view is correct - it is therefore impossible to win a debate by having the last word for example (this is the way morons believe they have won an argument :rofl:)

In this instance it would appear that neither The_Stranger not Discotex managed to bring the other party to their side of the argument and your comment about who won is completely out of place since all of us readers will read the pros and cons and decide for ourselves based on the evidence and the presentaton of facts.

This leads me to conclude that either you feel the need to poke discotex in the eye with a purposefully belittling statement or you feel the need to lick The_Strangers arse. Neither sentiment seems to have any nobility in it to me so I have elected to join you on the moral low ground and prod you myself.

There - :Pokey: how do you like it? :rofl:

[Dean]

It's standard fare around these parts to engage in cutting pisstakes. I assumed you got that because what you said was pretty funny if you were meaning to be sarcastic.

Was kinda like you meant - "don't feel bad for coming last.... you came 2nd bro!" I pissed myself :lol:

Didn't realise you were being serious cause it doesn't happen much on KB :Oops:

No ripping intended mate.

well im not like many other kbers i guess.i meant it for real so that i wouldnt be cutting you out,i wanted to show you were good to every ones equal thats how i see it.so thats why i said stranger won the debate but you were still first in other posts.im just tryna be positive

[Dean]

But it's not a contest - it's a debate. In order to win a debate you must manage to persuade the other party that your view is correct - it is therefore impossible to win a debate by having the last word for example (this is the way morons believe they have won an argument :rofl:)

In this instance it would appear that neither The_Stranger not Discotex managed to bring the other party to their side of the argument and your comment about who won is completely out of place since all of us readers will read the pros and cons and decide for ourselves based on the evidence and the presentaton of facts.

This leads me to conclude that either you feel the need to poke discotex in the eye with a purposefully belittling statement or you feel the need to lick The_Strangers arse. Neither sentiment seems to have any nobility in it to me so I have elected to join you on the moral low ground and prod you myself.

There - :Pokey: how do you like it? :rofl:

i dont want to poke any one in the eye and i dont want to lick strangers arse.what did i do to you to make you want to send the message you sent to me.that was really rude and mean i dont want any trouble.im trynba be the good guy

[McJim]

i dont want to poke any one in the eye and i dont want to lick strangers arse.what did i do to you to make you want to send the message you sent to me.that was really rude and mean i dont want any trouble.im trynba be the good guy

I didn't send you a message - what are you talking about?

I quoted your post and gave my opinon that's all. I believe some interesting points have been raised by a lot of people. I bought my bike and car cash. But I have made lifestyle choices over the past two years that have seen my income halve in that time. Had I bought a newer bike on credit I would now be bikeless having sold it and I would probably still owe money on the bike that I no longer had.

I am therefore mightily pleased that I own my bike 100% - okay so with zero disposable income this means I have a haynes manual and have to do ALL the maintenance my self coz I can't afford a bikeshop looking at it but I still have a bike and that's important to me.

I still think Noel makes very valid points for people whose income is more reliable - shame we are facing a recession innit?

[Slyer]

youngbiker, stop making us teenagers look stupid.

[Dean]

I didn't send you a message - what are you talking about?

I quoted your post and gave my opinon that's all. I beleive some interesting points have been raised by a lot of people. I bought my bike and car cash. But I have made lifestyle choices over the past two years that have seen my income halve in that time. Had I bought a newer bike on credit I would now be bikeless having sold it and I would probably still owe money on the bike that I no longer had.

I am therefore mightily pleased that I own my bike 100% - okay so with zero disposable income this means I have a haynes manual and have to do ALL the maintenace my self coz I can't afford a bikeshop looking at it but I still have a bike and that's important to me.

I still think Noel makes very valid points for people whose income is more reliable - shame we are facing a recession innit?


good for you then:rockon::woohoo::yes:

[Dean]

youngbiker, stop making us teenagers look stupid.

hey slyer what do you mean!!:Oi:

[Slyer]

Sorry I meant stupid and whiney.
If they're being mean you probably deserve it.

Now, apologise to discotex and McJim for being so whiney.
I'm waiting.

[Dean]

Sorry I meant stupid and whiney.
If they're being mean you probably deserve it.

Now, apologise to discotex and McJim for being so whiney.
I'm waiting.

ok im sorry mcjim and discotex for being whiny and stupid on behalf of me and slyer

[McJim]

ok im sorry mcjim and discotex for being whiny and stupid on behalf of me and slyer
Nothing to apologise for dude. you made comments we felt the need to reply - replies were made. It's all good. If life so far has taught me anything it's that if you apologise to all the people you upset then you'll live a pretty sorry life :rofl: now - go on and get that loan application completed...go on...

[Dean]

Nothing to apologise for dude. you made comments we felt the need to reply - replies were made. It's all good. If life so far has taught me anything it's that if you apologise to all the people you upset then you'll live a pretty sorry life :rofl: now - go on and get that loan application completed...go on...

ummm loan application??? and did i upset you??

[The Stranger]

Have you noticed that 3/4 of the poll results agree with me :msn-wink:

Oh you poor thing, I am sorry for you. Finding comfort in doing what everyone else does ensures you get what everyone else gets. This is of course the very definition of mediocrity - enjoy.

[McJim]

ummm loan application???

Well you agree with The_Stranger that we are better off borrowing to buy a bike (the er...theme of this thread) so I was having a laff and telling you to complete your loan aplication...'s called humour (you get exta kudos for keeping the humour topical).


and did i upset you??

nope.

[Dean]

Well you agree with The_Stranger that we are better off borrowing to buy a bike (the er...theme of this thread) so I was having a laff and telling you to complete your loan aplication...'s called humour (you get exta kudos for keeping the humour topical).
oh hahaah very funny :lol: this topic is full of humour (did i do it right i want my kudos pleaassee)


nope.
you seem upset,really upset.bleh im hitting the hay lets finish this on a positive note leave it till the morn

[Lucy]

What an enlightening thread! I voted 'cash' but have now realized that I lied.

I've got so used to my 'revolving credit' and being fiscally irresponsible, that I see the words "available credit" and it automatically translates into "cash".

Doh.

[The Stranger]

But it's not a contest - it's a debate. In order to win a debate you must manage to persuade the other party that your view is correct - it is therefore impossible to win a debate by having the last word for example (this is the way morons believe they have won an argument :rofl:)

In this instance it would appear that neither The_Stranger not Discotex managed to bring the other party to their side of the argument and your comment about who won is completely out of place since all of us readers will read the pros and cons and decide for ourselves based on the evidence and the presentaton of facts.

This leads me to conclude that either you feel the need to poke discotex in the eye with a purposefully belittling statement or you feel the need to lick The_Strangers arse. Neither sentiment seems to have any nobility in it to me so I have elected to join you on the moral low ground and prod you myself.

There - :Pokey: how do you like it? :rofl:

Fuck me.

I understood a debate was decided by the audience or a judge/s, not the contestants. Personally I couldn't give a rats arse if disco sees the light or not - it is completely irrelevant, in that respect there is no contest.

As a member of the audience, simply gave HIS view on how he saw the debate.
It was neither belittling nor tonguing my arse.
Feel free to counter his opinion but no need to mount a personal attack.

[Forest]

I bought my last bike with a credit card.

[discotex]

Oh you poor thing, I am sorry for you. Finding comfort in doing what everyone else does ensures you get what everyone else gets. This is of course the very definition of mediocrity - enjoy.



I understood a debate was decided by the audience or a judge/s, not the contestants.

Teehehehhehe undone by your own logic mate.

:wari:

Wish we could go on (hope you've enjoyed it as much as me) but now that A1GP is over I won't have the laptop infront of me all day (once I finish this quick catchup over breakfast).

[Dean]

Teehehehhehe undone by your own logic mate.

:wari:

Wish we could go on (hope you've enjoyed it as much as me) but now that A1GP is over I won't have the laptop infront of me all day (once I finish this quick catchup over breakfast).

hmmm disco tex it seems you werent as bad as mcjim after all.but you were still a meaney:crybaby:

[Blackshear]

I HAVE USED MY POWERS TO BRING THIS DEAD FOR 3 DAYS THREAD ALIVE.

I paid cash. Took me about 4 months I guess, rather strict savings.
That being said, I'm only a youngin with a small rentage to Mummy and intarnets to pay.