Need help making a decision!

[Roland]

Ok, i had my heart set on getting a set up sv for next season to race. that was until a cousin of mine saw me looking. His wife just told him he had to get rid of his bike (caught him doing something stupid) so he told me i can take his 2012 zx6r and just take over the monthly payments. someone please tell me why i should say no to this. I want to but i can't figure a good reason to. Its leaps and bounds better than the 12 year old bikes i'm riding. It has one summer on it and no damage. I know its going to need race plastic and rear sets, clip ons, and to be sprung for my weight, but i can sell the stock bodywork lights and clip ons to pay for that so its just a monthly payment. your thoughts, Pros and cons please. Just trying to make a wise choice here.

[theducman]

Ok, i had my heart set on getting a set up sv for next season to race. that was until a cousin of mine saw me looking. His wife just told him he had to get rid of his bike (caught him doing something stupid) so he told me i can take his 2012 zx6r and just take over the monthly payments. someone please tell me why i should say no to this. I want to but i can't figure a good reason to. Its leaps and bounds better than the 12 year old bikes i'm riding. It has one summer on it and no damage. I know its going to need race plastic and rear sets, clip ons, and to be sprung for my weight, but i can sell the stock bodywork lights and clip ons to pay for that so its just a monthly payment. your thoughts, Pros and cons please. Just trying to make a wise choice here.

you are making payments on a race bike. That is it sir, buy my gsxr

[Roland]

Payments with no money down big difference wouldn't you say. 7500 left in payments, $250 a month insurance included in that 250 (he wont let me take it if i drop insurance before paid off).. i like your gxr but it will cost me more upfront than i think i can afford.

you are making payments on a race bike. That is it sir, buy my gsxr

[burnham]

god no. don't do it. this is the worst way possible to get a new track bike.

[CBR929RE]

get the SV. you'll save a lot more money in the long run. in a year-year and a half if you get the Ninja you'll have paid for an SV already and still have another year or two to pay it off. then add in all the race bits you're gonna need and the extra work assembling it all and selling the stock stuff. not to mention the SV is just gonna be cheaper to run. if you feel like spending a ton of money then go for it, the ninja is a good bike

[Chippertheripper]

Racing on a bike with payments is almost always a bad idea.
When you're all done, plus the cost of setting the thing up, you certainly won't have a bike worth almost 10 g's.

But, a $3000 sv will likely still be a $3000 sv in a couple years with just tires, brake pads, and the odd clipon or rearsets peg. And a (race) suspension refresh.


Edit: I think I'm most offended that getting caught doing something dumb means selling the bike. It's certainly not the bike's fault.

[JettaJayGLS]

So when you crash and crack the thing in half you will end up paying $250 a month on a bike worth $0. Insurance won't cover damage done at a race track.

That's a great deal for a street bike though.

[Kurlon]

So when you crash and crack the thing in half you will end up paying $250 a month on a bike worth $0. Insurance won't cover damage done at a race track.

That's a great deal for a street bike though.

Worse, the bank or insurance company may demand you repair it anyways at your expense.

[Paul_E_D]

Run away from this!

Get SV, race, be happy.

[jasnmar]

I don't know how many payments are left. Let's say ~42 @ 250. That's $10,500 for the bike.

Track body work, with paint ~$1000.00
Just springs, you do the labor ~$200.00
Decent rear shock ~$1000.00
Upgraded internals on forks ~$500.00
Rearsets ~$300.00
Engine case covers ~$300.00
Frame Sliders ~$100.00

~$14k.

If you think it's worth that, buy it.
Save on the suspension bits and it's still ~$12.5.

[MarkMarine]

Run away from this is right man. Never mind that you'll learn faster and advance your skills faster on an SV, the SV will be less money to race. Tires are cheaper, crashes are less traumatic low sides. (mostly)
And making payments on a race bike is really really bad. A bike is a losing investment, but put it on the track and it loses 1/2 it's value.

[carsick]

Roland, when an SV goes down, you replace a rearset and bar end. Well, for most folks anyway. Payments on a new bike that needs much expensive parts and prep is a BAD IDEA. It won't make you any faster or crash less, gotta learn on a bike that won't try to kill you for any little oops. Like everybody else already said!

[Roland]

ok,ok you guys talked me out of it!Thanks for sharing the wisdom cause that baby was just about to be on my truck! Damn I wanted that bike

[MarkMarine]

You'll be faster because of this decision. Good job.
Put it this way. I used 1 set of tires this season. And I can still practice on them. And they were free because of dunlop contingency.

[Rambunctous]

I took out a 48 month loan for my TZ. Paid it off and now its mine. Risky? Yup. Dumb? Yup. Regrets? Nope

[GingahNinjah]

Get an SV!!!

[OreoGaborio]

The track surface knows if you're making payments or not, just like it knows if you just got a flawless paint job. It'll suck your bike down into it, chew on it for a bit, then it'll spit your bike 30 feet into the air just so it can chew it up some more and spit it back out again.

ok,ok you guys talked me out of it!Thanks for sharing the wisdom cause that baby was just about to be on my truck! Damn I wanted that bike

Buy it anyway.... Just don't race it.

[MarkMarine]

Don't buy it! Get your race bike worked out

[Roland]

"Buy it" "don't buy it" you guys aren't making this any "f"ing easier! LOL I want it so bad ,,, i feel like a crackhead! problem with buying it and not racing it is... it sounds like a good plan, but my stupid self will not be able to resist a track day, or two, or three, on her and then well you can guess what'll happen once I realize how fun she is what i will do with her. She is $250 a month with $7500 left in payments with no down payment. I want to say no but i can't resist!!! I think im going to start paying my cousin for her but lock her up somewhere and forget about her until she is payed off. I'm already thinking about how much of my tax return i can give him to bring the payments down. I still want, and am going to get a sv. But what if i don't find one race ready and already set up i'm not getting an un set up one. I dont think i want to buy a used one in street condition for 3-4k (what they are going for in good used condition unraced) . I would have to do the suspension springs, shock, also clip ons, rear set, engine covers and bodywork. That then brings the sv bike cost up to about 7k. Racers are in love with there sv's, not many for sale in race condition. I've been looking like crazy. now the zx6 According to Racetech's web site the stock forks on the zx6r will do me fine. Rear shock is supposively pretty damn good with low and high speed adjustment. So if i dont find a set up sv, and do get the zx all she will need is engine covers bodywork a rear spring and rear set. Total cost of zx6r after full set up 8.5k. Total cost of buying used sv in street configuration and getting it setup for racing around 6-7k. Then there is Mikes set up 05 gxr he's letting go for 3.5k Ohhhh decisions decisions.
This is just my thoughts right now, take none of this as etched in stone. Just thinking out loud.

[Imbeek]

Racing on a bike with payments is almost always a bad idea.
When you're all done, plus the cost of setting the thing up, you certainly won't have a bike worth almost 10 g's.

But, a $3000 sv will likely still be a $3000 sv in a couple years with just tires, brake pads, and the odd clipon or rearsets peg. And a (race) suspension refresh.
.

+1 to this!

Why so many people fail to grasp this simple concept is beyond me, and it applies to street rides too.

For those of us who aren't rich, the choice is: learn and follow this simple logic, and ride many many bikes throughout your lifetime, at VERY low total cost, or

Ignore the simple logic, finance a brand new or nearly brand new bike, then bitch and moan until it is paid off and you can "be approved" to get ripped off again.

Fully depreciated bikes are like a savings account/free bike rental, vs. throwing your money away on the latest and greatest.

Oh by the way... The old "my wife is making me do it" is the lamest excuse for any action, ever. More likely, your friend is in the middle of learning this lesson (Ignore the simple logic, finance a brand new or nearly brand new bike, then bitch and moan until it is paid off and you can "be approved" to get ripped off again), and is trying to reduce his sentence by having you take over the payments for his mistake

[Paul_E_D]

No matter what kind of mental gymnastics you play, there is no reality in which it's cheaper to get and race a new 600. For some, the "identity" involved in racing a 600 is just too big a draw, and they are willing to spend the money. Usually, they don't last long in this sport. Ask yourself if 8-15k a year for racing is sustainable. If not, go back the the SV plan.

[CBR929RE]

you have all winter. you'll find a set up SV.

[GixerJockey]

http://www.bandofriders.net/forums/s...ad.php?t=79082

[Roland]

http://www.bandofriders.net/forums/s...ad.php?t=79082

Now that is why i love this forum!!!! I just sent him a pm! Thanks Gixer Jockey!

[Chippertheripper]

Kurtz is on here too, and a truly lovable character

And fwiw imbeek, I still don't necessarily follow my own logic. At least, it's cost me a ton of $$ to get to where I am now. Which is: having a setup street/track sv, and a new dirtbike (that has a payment attached to it).
The thing with the dirty is: I'll own it a looooong time. It's never going to be the thing holding me back in the woods.
And once some stuff is paid off, I'll probably take another note out on a new street whip. (Some sort of adv type bike that I'll treat like a car...drive it everywhere)

I don't know what it is, but I have ZERO interest in a mw. Which adds to me not supporting racing one on a payment.