need some advice...

[needtorque]

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.

Well, I dont necessarily agree with this statement.  Being "credit challenged" does not mean you cannot afford toys or should not buy one.  I for one worked very hard to maintain a respectable credit rating but when I lost my job a few years ago my credit went to total dog shit primarily b/c at the time I had not completed furthering my education so finding a suitable job that could pay the bills was very difficult.  Since then I have been keeping up on my bills but it will be a long time before my credit is restored to previous standards.

When I finish school for the degree I am currrently working on with the combined income of my wife and myself we will be able to do considerably more towards repairing the credit we have lost but it will still be years before it is totally fixed.  Does this mean that we should not be able to purchase the things that we can afford?  On top of that proper financing and good payment histories are good ways to repair/build credit.

[cyrus buelton]

Original Poster,


Why are you listening to a bunch of people on an internet forum telling you the bike you are buying is too big?


Buy the bike you want. Don't listen to others.

Most on here will tell any relative new rider that xyz bike is too big and buy that bike instead.

[Grampa]

Well, I dont necessarily agree with this statement.  Being "credit challenged" does not mean you cannot afford toys or should not buy one.  I for one worked very hard to maintain a respectable credit rating but when I lost my job a few years ago my credit went to total dog shit primarily b/c at the time I had not completed furthering my education so finding a suitable job that could pay the bills was very difficult.  Since then I have been keeping up on my bills but it will be a long time before my credit is restored to previous standards.

When I finish school for the degree I am currrently working on with the combined income of my wife and myself we will be able to do considerably more towards repairing the credit we have lost but it will still be years before it is totally fixed.  Does this mean that we should not be able to purchase the things that we can afford?  On top of that proper financing and good payment histories are good ways to repair/build credit.

I'm all for rebuilding credit...... I've had to do it myself. I personally dont think buy'n a 10k toy is how I would do it. I started off with Mt bike (which I needed to get back and forth to work on  )

IMO...in todays financial crapfest...... I would carefully consider financing wants vs financing needs.

[tilt]

Original Poster,

Why are you listening to a bunch of people on an internet forum telling you the bike you are buying is too big?

in a way i kind of personally feel that its to much bike for me, and i think that having someone else say it helps me to justify my actions of not buying it even though i really want it.  plus there is a lot of moto savy people on here and im kind of new to the game so i value what they say.

[Mike_D]

You did the right thing, and when that S2R1K comes your way and you buy it--you will love it and forget all about that S4R.  I bought a new S2R1K in August, got a good deal because I had a pre-approved loan from my bank, and have spent a couple thousand on mods.   It has all the power I need and then some, but not so much that I'm afraid of it or reluctant to flog the beast (although it has surprised me a couple times where I've had very intense "holy shit" moments  ).  Besides, air-cooled Monsters are waaaaay cooler, metaphorically speaking 

[Greg]

Either buy the 800 or the 1000.  If you're hesitant on the S4Rs, then don't get it. 

Remember this fact:  It's more fun to ride a slow bike fast, than a fast bike slow.

IMO:  The S4Rs is too much for the street. 

I have to agree with Duct Stew on this. I thought about buying an S4Rs and went with the S2R instead and everytime I ride it I know I made the right decision. The S2R is a lot easier to ride slow than the hyper velocity S4Rs and 1098. As another poster said, if you think a 999 would be too much for you then so is the S4Rs.

Get the S2R - you won't be disappointed.

[pw9990]

You did the right thing, and when that S2R1K comes your way and you buy it--you will love it and forget all about that S4R.  I bought a new S2R1K in August, got a good deal because I had a pre-approved loan from my bank, and have spent a couple thousand on mods.   It has all the power I need and then some, but not so much that I'm afraid of it or reluctant to flog the beast (although it has surprised me a couple times where I've had very intense "holy shit" moments  ).  Besides, air-cooled Monsters are waaaaay cooler, metaphorically speaking 

+1 s2r 1k

[herm]

Original Poster,


Why are you listening to a bunch of people on an internet forum telling you the bike you are buying is too big?


Buy the bike you want. Don't listen to others.

Most on here will tell any relative new rider that xyz bike is too big and buy that bike instead.

as the OP has already stated..........he thought the bike was too much for his skill/experience/whatever.
if he didnt want to hear others opinions, he never would have (or should have) posted the question.
BUT, it sounds like he wanted to see if anyone else shared his own gut reaction to the idea.........

[cyrus buelton]

Tilt,


Have you ever ridden an S4rs?

[Grampa]

Tilt,


Have you ever ridden an S4rs?

it brings the weeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

[Labbedds]

I haven't read alot of responses but I started on a 750, rode for 9 months, then sold for an s2r 800 with full arrows, rode for a year, then just recently got a s4r.  I think you'll be ok, but realize the s4rs has literally 2 to 2 and a half times the power as the 750.  If you have good wrist control you'll be fine.  If you can get the s4rs for a little more than a s2r1000 you'll be ok.  Just take it real easy.  I think under 6K rpms for the first at least 1000 miles will get you better aquainted with the bike.  Either way any bike is a step up from the 750, you'll be amazed how much better the suspension is on any s*r bike.  Good luck and ride safe.  Oh, and 9220 for a s4rs with 900 miles is a steal, get it !

[cyrus buelton]

it brings the weeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

+11ty billion!!!!


I took a demo ride on a 2007 (or 2008) S4r with the same motor, just not the Ohlins.


Holy shit..weeeeeeeeeeeeeeeeeeeeeeeeeeee


I didn't find it to be too powerful. At the time, that was the biggest CC ducati I had been on (rode an R6 once).

I found it to be very controllable.

Made me go buy a 2004 S4r..............


and I stepped up from a 99 750 carby with FCR's.......




I'd buy the S4rs.

[Labbedds]

in a way i kind of personally feel that its to much bike for me, and i think that having someone else say it helps me to justify my actions of not buying it even though i really want it.  plus there is a lot of moto savy people on here and im kind of new to the game so i value what they say.

It's fine to ask, research will lead you to making an educated decision versus buying a bike where you might be getting in over your head.  Your doing it the right way tilt.  But definately go test ride a few and get a feel for what you'll like.  s2r 800/1000, and the s4rs.  Shoot, even a 696 with termi's is a great bike, I've been seeing them popping up on Ebay and Craigslist.

[cyrus buelton]

I think Tilt needs to ride the bike first................

[Duck-Stew]

I think Tilt needs to ride the bike first................

and I think Tilt needs to buy the S2R1000.  And (most importantly) Tilt thinks Tilt should buy the S2R1000.