need some advice...

[TiAvenger]

for shits and giggles..... add up what you are putting down.... then add up what you will be paying each month times the duration of the loan. is it still 10k that you have paid?


also...factor in service costs...and insurance costs

You forgot termi cost, clutch cover cost, trackday cost, and beer cost as well.

[tilt]

and new gear, its gotta match the new bike.  im really begining to think that its to much bike for me, do you think its resonable to make a move from 750 to an s2r 800 or 1000?

[Grampa]

well....duh






people are stuck thinking they have to go into a dealership and have them do the finance legwork.  you pay them for that.  

go shop banks and credit unions for the money first..... then go shop bikes. Think of it as a two part process.... not one.

dealers are hurting right now...they need and want to move inventory. they also want and need to make as much money off you as the deal will allow. they are a business..... they make money. why pay  them to do something you can do  yourself. walking into a dealership with a signd paper that says you have a line of credit for 10k gives you the opportunity to say..... give me that bike for 9k out the door, and nothing more. I bet you dollars to doughnuts if he lets the dealer work the finance part of the deal..... the bike will be 10k on paper...with about 2k more tacked on in fees...and he will be financing/paying interest on all that

[Grampa]

this is not a slam.... but how old are you?

[TiAvenger]

and new gear, its gotta match the new bike.  im really begining to think that its to much bike for me, do you think its resonable to make a move from 750 to an s2r 800 or 1000?

Yeah, as long as you have a healthy respect for it.  Any bike can kill you quick, be it a scooter or a demsodeci.

[tilt]

im 28, i usually dont do stupid things but every once in a while you can catch me doin stuipd shit

[herm]

listen to BP, dont finance at the dealer if you can possibly avoid it.........

and get the s2r1000......

you have already stated several times that you feel the s4r is too much bike for you........so it is.

besides, the water cooled bikes have that ugly double chin...

[Grampa]

im 28, i usually dont do stupid things but every once in a while you can catch me doin stuipd shit

buy'n a bike aint stupid.....nor is buy a big one

just take your time in do'n the financeing. work out all the numbers prior to signing paperwork.....never focus on monthly payments, because that is where the dealer makes his money.  go shop credit rates on your own. the bank will tell you what your payment will be and how much you qualify for. dont discuss that with the dealer EVER!!!!

[damianS4RS]

I went from a SV 650 to an Rs. Like you I was shopping for an S2R when I got a deal I couldn't refuse. Granted my bike wass used but really low miles after one year. I'm not being a squid racing people down I 95 and so far she hasn't bitten me. I say if you want her, get her and treat her with respect. The only difference is the maintenance is higher. Either way I agree, get your pre approval before going in there. Good luck man.

[hypurone]

I never wanna talk anyone out of gettin their dream bike, but the RS is a beast.  And it only gets more savage after tinkerin with it. I get weak in the knees just thinkin about the next ride on mine. I must say you had better have your head screwed on straight and tight if you get it. Unless you are inexorably drawn to it (as it is no longer made and now a collectors item of sorts) and you MUST have it, I would concur with your initial reservations about it and go with the S2R1K. Even that bike can bite ya if you aren't payin attention....

[Duc Fever]

Something to consider for all you "get it at your bank first" financing guys, this only works in most cases if you have good credit (which according to  most studies the majority of americans do not).  If you are "credit challenged"  the dealer will shop you around to multiple lenders usually finding a loan for you whereas your bank will not.  The advice is great, but not always relevant for everyone. Only you know your credit situation, if you are confidant your credit is good enough for traditional bank financing do it that way if not, the dealer is probably your best bet.

[corey]

to answer one of your other questions..
i have an S2R800. It's my first bike.
I don't think you'd be satisfied with a switch from the 750 to the 800.
I'd say at least get the S2R1000.

[TAftonomos]

The testa powered monsters (S4R/S4RS) are comparible to a 999s with better ergo's for street riding.

If you wouldn't buy a 999 or big superbike because you are scared of it, then look to the s2r1k. 

[Grampa]

Something to consider for all you "get it at your bank first" financing guys, this only works in most cases if you have good credit (which according to  most studies the majority of americans do not).  If you are "credit challenged"  the dealer will shop you around to multiple lenders usually finding a loan for you whereas your bank will not.  The advice is great, but not always relevant for everyone. Only you know your credit situation, if you are confidant your credit is good enough for traditional bank financing do it that way if not, the dealer is probably your best bet.

if he is credit challenged... then he should not be buy'n one.  and..... he's not tied into his bank, he can walk into any other bank or credit union and ask loan questions same  as the dealer. they will  want him to open an account, and thats where his 2k as a down payment comes into play.

the reality of it is.... with only 2k down  he will be upside down in the loan for  quite some  time, expecially if he is only wanting to pay about 220 a month.

[timmer357]

Here is my 2 cents:

I have been riding for almost 10 years.  Bikes have been CBR600fi, SV650, z1000, Harley Sportster 1200, GS500 (first bike), and I have ridden new Tuonos, CBR1000, etc.  I bought an s2r1000 last April and crashed it 22 days later.  My wrist combined with the BIG power got me in trouble.  I have ridden at least 12000 miles prior to the crash with no issues.  The 1000 monsters are beasts!  The front end constantly wanted to come up in first gear under moderate to heavy acceleration.  I believe the previous owner had changed the front sprocket too though.  But I miss it and would like another, just with better wrist control   I am 34 years old and ride conservatively so just be careful with that big bike.  Respect it and you will have no issues.