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Old 12-14-2012, 07:45 PM   #1 (permalink)
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Default Dealer offers me a ""good deal"" for 2011 ZX6r..you think riding buddies?

I sold my 09 ninja 650 about a month ago just because I think its time to climb the engine displacement ladder (lol). So I asked for a quote from a dealership in Toronto Canada, he said he has this amazing deal for a brand new never ridden 2011 Ninja ZX6r with a 2 year Kawasaki warranty, will ship to my city (4 hours away from dealership) and if I buy it before the new year I would get an extra year warranty.

The total comes to $8,999 CAD, with tax comes to about $10, 200.

I couldn't get the MSRP from Kawasaki.ca for it did not post the price (or I do not know how to navigate the site)

If I do get the bike it will be financed, we didn't go into detail but he stated typical rates of interested would fall around 8%.

Let me know what you guys think, would really appreciate the help
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Old 12-14-2012, 07:59 PM   #2 (permalink)
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I think, don't finance toys

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Old 12-14-2012, 08:08 PM   #3 (permalink)
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Why not?
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Old 12-14-2012, 08:52 PM   #4 (permalink)
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Going from a 650 to a 599 is actually descending the displacement ladder.


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Old 12-14-2012, 10:47 PM   #5 (permalink)
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Because toys aren't necessary. So pay cash. Loans should be reserved for shit you NEED, but cannot afford. Not used to just buy more shit and take a loss. Financing a new bike is not smart.

If you can't pay cash for a toy, you are living beyond your means, welcome to America.

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Old 12-15-2012, 01:51 PM   #6 (permalink)
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Quote:
Originally Posted by ER^NSLIMS View Post
Because toys aren't necessary. So pay cash. Loans should be reserved for shit you NEED, but cannot afford. Not used to just buy more shit and take a loss. Financing a new bike is not smart.

If you can't pay cash for a toy, you are living beyond your means, welcome to America.

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I agree...even buying a used one private sale with minimal miles and a yr or 2 old can save you a ton of money. I have bought all my bikes 1 or 2 yrs old with less than 3k miles from what seemed to be responsible owners. I pay cash and though I did finance the Aprilia, it was a small portion since the deal was too good to let up and I paid it off in a few months after I sold another bike. Be smart..buying a new one off the lot is ok if you don't mind losing a bunch of cash as soon as you leave the dealership...taxes and other fees are substantial in themselves.
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Old 12-15-2012, 03:22 PM   #7 (permalink)
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True. I buy new, but like my S3 that I bought for $3k under MSRP OTD, I find smoking deals. Then I pay cash. Borrowing against tomorrows wages for a toy, is lunacy.

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Old 12-15-2012, 03:29 PM   #8 (permalink)
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I only buy it new and financed if it is 0% apr deal that Kawasaki runs every once in a while. I just pay it in full before the two year 0% agreement. Usually I pay it within a year. No interest no hassle and a brand new bike.


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Old 12-16-2012, 03:22 AM   #9 (permalink)
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Quote:
Originally Posted by ER^NSLIMS View Post
Because toys aren't necessary. So pay cash. Loans should be reserved for shit you NEED, but cannot afford. Not used to just buy more shit and take a loss. Financing a new bike is not smart.

If you can't pay cash for a toy, you are living beyond your means, welcome to America.

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1) The guy is from Canada.
2) More people finance than pay cash....welcome to America.

If you're living beyond your means, then a bank won't approve you for a loan for anything, toy or not. Yeah paying cash will save you a lot of money in the end compared to financing, but young people can finance a car or motorcycle and actually build their credit by doing so. So no it's not stupid to finance a toy.
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Old 12-16-2012, 07:34 AM   #10 (permalink)
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1) The guy is from Canada.
2) More people finance than pay cash....welcome to America.

If you're living beyond your means, then a bank won't approve you for a loan for anything, toy or not. Yeah paying cash will save you a lot of money in the end compared to financing, but young people can finance a car or motorcycle and actually build their credit by doing so. So no it's not stupid to finance a toy.
This. I have no credit due to being stationed in England first and not having a credit card till I moved back to the states. That said, I bought my Aprilia and financed it and am building my credit as we speak.

Am I living outside of my means? Let's see. Can I afford the monthly payments? Yes. Can I afford the insurance? Yes. Do I still have my emergency fund? Yes. Do I have enough left over after that for food, other bills, and play money? Yes. Therefore I am not living outside my means.

It is just another way of looking at it.
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