I guess I suck!

Just a small little rant from me I guess lol.

So as you all know my superduke has givin me the biggest load of problems ever. I'd say my ratio of 'riding it' to 'it being broken and unable to ride' is about 1:10.

Earlier this week my stupid clutch resevoir cap flew off, unable to be found. So I am yet again unable to ride it (It almost seemed like a couple tweaks I did got it to work too, and that was the first day back out on it GAH!!)

In the past month or so I had been considering buying another bike to add to my collection that I would be able to ride alongside my gsxr.

I decided I wanted to pickup a brand new 2013 s1000RR.

I was at the dealer on Saturday... had everything ready to go, OTD price and whatnot, downpayment in hand.

The last thing to do was get my finance ready.... my sales guy comes back and tells me I'm denied for finance due to my credit.

I had a credit score of about 680-700 a couple months ago when I last checked. I come to find out that 1 medical bill that I was making payments on hit my credit and dropped it over ONE HUNDRED fooking POINTS!!!!!!!!!!!!

fook you stupid medical bill and fooking stupid credit rating system, you damn bastards!




So... even though I can EASILY afford a new BMW S1KRR... I will have to save up for a full cash purchase I guess.

Opps. Nothing you can do to clear it or get finance from bank etc ?

Hooray for the NHS

Seriously though hope you finance you're new bike.

Better off paying cash for a bike anyway,,,,,,I've never financed a bike and never would,,,

Over here they would of asked if you'd also like a second one in case a friend comes over!

I think if you are a worker and have decent skills your standard of living is higher in the U.S.A


If you are a numpty at everything, or bone-fucking-idle, you're better off in Europe.

I hate the credit system. You must have debt before you can have more debt. As a kid, I am still trying to climb my way up the credit ladder so that one day soon I can be approved for my own home. Recently I decided to be proactive and buy myself a motorcycle on credit. A luxury loan I think it was classified. Before this I had little or no credit besides small purchases on a credit card. Yes it would be a great idea to pay cash upfront...but what will that do for my credit score? When banks suggest that I have more than one credit card I say why? I barely use the one I have! Well you need to build credit before we can trust you with a home loan. fook that, im not gunna be one of those fools with thousands in debt on multiple cards ill just buy a motorcycle, keep my debt all in one place, and pay it off with a relaxed monthly payment. That way I keep my cash flow all the while building some credit. Seems like a good idea right? Plus I get a motorcycle out of the deal

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Does that include mortgages on houses. ?[/quote]lmao i was goingvto say that! How arrogant of this guy haha![/quote]


A mortgage is different you need a roof over your head you dont need a bike dont get me wrong im not arrogant ive had a loan in the past on a bike the loan lasted longer than the bike but it was a long time ago now my thinking is if i can not buy it cash i would do with out & save up until i can afford to pay cash but thats just the way i have been brought up !!!!!!

What if you have the bike to commute?


I'd love to live in this idealistic world where I have a spare £10,000 for a new car or new bike

I have a mortgage on my apartment beause like someone said, I need a roof over my head.
I would love to buy a new bike and a car for that matter....but I never buy my motorcycles new.
I always buy them used. I know it is nice to have a new one but there are many people who buy new and barely use them. I was always able to find good gems (you have to be patient) and ride them for years, but if you want and can...more power to you.

At the risk of sounding pompous ...

I've got this theory that life seems to deal bad hands to those that are already struggling. So if you buy a bike on credit
you are almost guaranteed to throw it down the road. When this happens the conclusion is "I guess I suck". Pay cash
and you probably won't throw it down the road but if you do then it'll only be a matter of "Oh well better get if fixed" rather than
"Oh f..ck I still have another four years to pay for this lump of shite".

The whole wealth bad luck thing feeds upon itself. If you pay cash you can get a better purchase price, negotiate cheaper insurance, save
for the next bike ... Mortgages are slightly different but only insofar as property can/could be appreciating in value faster than
than you'll have the ability to save, thus it makes sense to minimise the damage. What remains the same is that if possible
it is still wise to reduce a mortgage ASAP rather than drawing down on mortgages to finance things like bikes. The latter
really is a clever marketing trick by financiers to ensure that you convert your income to theirs - they don't do this because
they think you are a good guy.

There really is a very bad thing called the debt cycle that all of us are encouraged to stay within because it is good for the
economy as a whole and usually good for individuals who are incredibly rich having made their own good fortune. The bait for the
debt cycle is usually two things that most of us can't avoid - a place to live (the mortgage) and a way to get to work to pay for
the mortgage (the car loan). Most of us have to take the bait in order to survive a little longer BUT we don't have to keep
swallowing the drivel that is put up to keep us down - marketing crap like "Oh what a feeling" and "When only the best will do".
Surprisingly, those folks that manage to free themselves of their two major debts always seem to have enough money to buy
new TV's, bikes, cars ... This is not because they are fundamentally "well off" it's because they recognise the realities of debt.
They are "well off" because they are not carrying the crippling additional costs of debt. They are also "well off" because they
don't need to constantly buy more "feel good" stuff when their life appears to suck. They haven't had their perspective distorted
by clever marketing folks that do stuff that really distorts their ability to reason. Folks that are sucked in by the bullshit genuinely believe
for example, that they can afford a new bike but can't afford to pay off their medical debt. Just because we are poor doesn't mean
we have to be stupid as well.

In the case in question, I'm sympathetic but the reality is that buying a new clutch reservoir cover will be a lot cheaper than buying a
new bike.

I already ordered a new clutch cap lol, but my superduke still has been very unreliable to me nonetheless.

I had to make payments on the medical bill from the beginning because an injury put me out of work and i literally had no money. Now I'm back on my feet and am able to afford things.

One reason I liked the idea of financing the bike rather than paying cash is that it would be a very good credit builder for me... shit ... even more so now.

I actually have always bought things in cash. I'm only 23, I bought my car for 15k, I bought my old 08 gsxr for 6k and put another 5k in it, I bought my 04 750 for 3k, and i bought my SDR for another 9k. I've also bought a shitload of other stuff that I own with cash.

I just recently picked up my first credit card through a clothing store called express with a $450 limit (lol) just to purchase some clothes and get a discount.

I am now at a point where I need to build credit very badly since I have never done so, and especially with that one medical bill affecting my score by over 100 points. I pretty much have no choice but to finance a bunch of shit to build my credit up....

New S1000RR at age 23 is quite an achievement if you have pulled off the deal.

Just don't bin the thing,,,,,,,,,,,,,,,,,,,

That's what BUZZ said,,,,,,,,,,,,,,,,never to be heard from again,,,,,,,,,,after he hit that truck,,,,,,,,with one of those things,,,

In response to the subject of your post, there's no guessing about it. You definitely suck.

But, why do you really want an S1000RR? You say you want a reliable bike. Well, mine has not exactly been the poster child for reliability. I just received another recall notice in the mail Saturday - something about the kick stands falling off.

Its a lot of bike - and I don't just mean power wise . It takes a considerable effort to get it turned. It takes considerable effort to get it to transition through a chicane. It is not the best bike for wheelies (which you so enjoy). It's not worth a damn for jumping bridges (the TC goes absolutely crazy when both wheels are off the ground). What I think you should do is take a track school. You'd be a good candidate for Star School. Then see if you NEED an S1000RR.

But, if you really gotta have one, shoot me a PM. I'll give you a good deal on mine. I really want a MS1200.

Wtf!!! Lance told me you wouldnt sell yours hahaha. Pm me a price youre looking for lol

True that, I have no Idea how you "English" get by.
You pay huge amounts for everything: Insurance , New Bike Prices, Fuel, oil, VAT, licensing, road disc tax, tyres, MOT's. etc.
Just wish I could get your great motorcycle accessories here. Too bad Hein Gericke bellyed up.
Products I need end up costing double, shipping usually cost as much as the product.
But I can't do without my motorcycle PORN: Ride and Bike UK subscriptions cost me $80-95 a year each.

The best way to build your credit is through a credit card.
I applied for a credit card at my local credit union and was approved with a 11% Fixed rate... (Forget about Discover, Capital One, Etc) Nothing will build your credit faster than a credit card.
Chances are that if you apply you will a lower limit. Call your bank or credit union and discuss your options, ask question's.

This is a good discussion, bet you won't find it on Gixxxxer.com lol.

The wife and I recently pooled our incomes and realised we make a decent amount per month but other than a few bikes, have nothing to show for it. In keeping on topic of buying new bikes, she "authorized" the purchase of a brand new SMT upon successful liquidation of a beloved VFR, badass SD, and sweet ex AMA race bike. 3 bikes for 1, no debt, garage space, and probably the perfect combination of the awesome SD and the comfy touring capabilities of a VFR. Which would also leave no money in the bank. So I listed everything for sale (except the SD, just couldn't quite come to terms with putting her up yet) and opted out. Still selling the race bike as I have no time to race this year and that cash will go into maintaining my ageing fleet and towards the mortgage.

I have the toys I need to do the things I want, with some financial responsibility I will be able to have the toys I don't need to do the things I can't.

I have a jap bike, my gsxr already haha.

Is it good to have multiple credit cards or shouldni just get one to build credit?


And yeah on gixxer.com this topic.would have gone to shit rather than be a cool topic like here

I have heard multiple times that two or more but not more than 4 evenly balanced, used often, and quickly paid off credit cards is the most efficient way of building credit. I just cant see the point in having more than 1 that I barely use. I guess having a large balance on my card makes me feel like I dont own my stuff and makes me feel guilty for charging more purchases. After hearing so many horror stories of people with 5 credit cards and 20, 000 in debt and not being able to pay anything but the interest in their payments scares me away from it.

That's how you learn self restraint. And do not buy if you don't have the money to pay.
Keep up with the balance. Pay the balance off every billing cycle.
I use my credit card just like my debit card. I know how much money I have to spend and I do not exceed that amount.
Learn from others mistakes.

Pity you arent female. Women who suck always seem to have plenty of cash.

i found the traction control fooking annoying but what a silky gearbox

I went without a bike for 2-3 years evrything was fine, a few things on payment, we had our first child then the crunch hit overtime stopped, bike had to go, we saved, payed of credits I got another bike ect, we have savings, I hope never to be in that place again, got to ask yourself what is important you already own 2 bikes, then again your only 23, my bike would go in the morning if it had to, get rid of the sd

Read this all late last night but if my memory serves me right, amazingly yes debt gets credit. When try ing to get my first mortgage(late 30's-me that is had no rating as my lifestyle had kept me off the radar. Rented for 18months, brought everything on credit cards(paid off monthly, and 'they' like/ prefer a standing order for payments- even min.) Luckily for me it was all good in the end(2002ish). Now I only use my card for payments I want 'customer protection' i.e. large important ones, usually for my self employment business. Also I'd never buy a bike without trying it, surely Can't remember my 3rd point but 2nd hand or new, for me both have been good and bad(don't ask me about my 88 XT600 brought new. Next new Yam-2007)
Hope you get the BMW

I'm now in a pickle.

A very good friend of mine who has been living here in California for a while is running out of money. He is a Japanese citizen here on a student visa. he Has a really nice 2008 Triumph Speed Triple.

He has mentioned to me that he probably will have to sell it or face leaving the country. Being a good friend of his, I'm considering maybe buying it from him if it comes down to it and he needs a good price fast (not a low buyout fast-sell price to some random Craigslist person).

Hmmm.... it is a really nice bike lol.