How do you buy your bike?

**AllanB** · 25th January 2009, 13:41

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:Me** · 25th January 2009, 13:43

Originally Posted by discotex

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** · 25th January 2009, 13:49

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** · 25th January 2009, 14:01

Originally Posted by youngbiker16

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

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

**discotex** · 25th January 2009, 14:23

Originally Posted by The Stranger

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...

Originally Posted by discotex

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** · 25th January 2009, 14:30

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.

**Dean** · 25th January 2009, 18:09

Originally Posted by discotex

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

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

**discotex** · 25th January 2009, 19:53

Originally Posted by youngbiker16

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

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

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** · 25th January 2009, 20:57

Originally Posted by discotex

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

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** · 25th January 2009, 21:37

Originally Posted by breakaway

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** · 25th January 2009, 21:49

Originally Posted by discotex

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

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** · 25th January 2009, 22:05

Originally Posted by youngbiker16

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

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

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

) ---- yes that's a joke dammit -- *badoom pshhhhh* and all that.

**Richi** · 25th January 2009, 22:09

Originally Posted by discotex

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

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

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

) ---- yes that's a joke dammit -- *badoom pshhhhh* and all that.

Cmon bag my post!!! DOOOOO EEEETTTTT

**Dean** · 25th January 2009, 22:18

Originally Posted by discotex

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

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

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

) ---- 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** · 25th January 2009, 22:18

Originally Posted by Richi

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