Did you buy your FJR with cash?

[cougar8000]

In fact, if you pay more than your minimum payment each month, there's more money that goes to principal, so you can lower your effective interest rate over the life of the loan. All ya got to do is figure the payment at the rate you want, then subtract that amount from your current payment, and then add that difference to your regular monthly payment. Viola!, you're paying roughly that lower rate by the time everything shakes out at the end.

That is true. However, in order to equalize 15% to 6% you need to be making drastically huge payments specially in the beginning of the loan life. And pay off this loan much earlier. Someone who does not have the flow to do so is better off making a regular payment for a few month, build up their credit score and then refi what ever is left at the much better rate.

 

[DaSpyda]

Good point... sometimes you have to "buy" your credit history.

 

[twowheelnut]

Thankfully you're a well heeled 'Bama hillbilly who only runs shine for fun! I guess the move to Cali worked out well for you.

Ahh, I see your reading comprehension and retention skills need a bit of polishing there, Bubba.

 

[Scab]

No, folks, TWN ain't from here. You can tell by the full mouth of teeth.

 

[twowheelnut]

No, folks, TWN ain't from here. You can tell by the full mouth of teeth.

Sometimes, people miss the point of our banter, eh Scabby?

 

[user 213]

No, folks, TWN ain't from here. You can tell by the full mouth of teeth.

Yeah, I had to add an edit, but it's still not right. Though we've been saying that about TWN for a while! Hmmm, around here we don't slur folks from places we aren't from. Bad form TWN. You're not one of those CA natives are you? I hear they are pretty rare.

And thanks for clearing that up Scab. :detective2: Wouldn't want any confusion. :lol:

 

[user 213]

Sometimes, people miss the point of our banter, eh Scabby?

I'm gonna have to call BS on that one TWN. This is the FJR forum after all, and Slappy's rules clearly state that all posts should be pointless.

 

[twowheelnut]

Um... #3! :fuck:

 

[fjr]

Bought mine new on ebay. New. Cash.

Flew to Atlanta to pick pick it up.

Rode the Tail of the Dragon on a cold November morning.

Rode back to New Mexico and loved every minute of it.

Except the snow. :lol:

 

[Scab]

Sometimes, people miss the point of our banter, eh Scabby?

One day, TWN, one day. Enlightenment will be mass-produced and become so cheap that everybody will have some.

 

[twowheelnut]

One day, TWN, one day. Enlightenment will be mass-produced and become so cheap that everybody will have some.

Shit. I gotta wait, then? :lol:

 

[jmdaniel]

paid cash as I only carry liability insurance on bikes

Now THAT is an interesting take... 2006 with no collision insurance?

I didn't pay cash for mine, but I will, when the 6 months/no interest/no payments deal runs out with Yamaha. Better than paying cash, as I am using their money, and their bike for 6 months... :yahoo:

 

[GalaxyBlue]

Yamaha Credit Card - 6 months zero interest, of course this will be paid off in that time. NO INTEREST FOR YOU YAMAHA!

+1

I didnt even have to haggle the price... $9999.00 + YES and tax = $10,450 OTD. Non ABS though...

 

[Bob Hughes]

I bought mine today and used Yamaha's 0 interest and 0 payments for 6 months. Thought it would give me lots of time to sell my ST which is going Tuesday. I will just send them the check before it gets spent.

 

[jmdaniel]

I bought mine today and used Yamaha's 0 interest and 0 payments for 6 months. Thought it would give me lots of time to sell my ST which is going Tuesday. I will just send them the check before it gets spent.

Update your profile, Bob. You are now a proud FJR OWNER! :clapping:

 

[Scab]

One day, TWN, one day. Enlightenment will be mass-produced and become so cheap that everybody will have some.

Shit. I gotta wait, then? :lol:

China is working on some proto-types now. Will soon be imported by Ronco!

 

[jrd14]

I used Yamaha's six months same as cash deal then paid it off after five months. If you go beyond the six months, they really stick it to you.