Kawasaki Card vs. Personal credit card

[Phenix_Rider]

Originally Posted by azoomm

I know, I come off as harsh, I usually do. But, *toy* by definition: something that serves for or as if for diversion, rather than for serious practical use. Fun, yes. Love them, hell yes. Practical, usually really not.

It's all in what it is worth to you. Many choose the cost as an item worth it... as a trade off. That's fine. It's just my opinion, I'm not going into debt for something I want ever again.

Don't know about you, but I commute on two wheels. Serious transportation that's also a hell of a lot of fun. I won't finance anything I want either- I already pay way too much for school loans, and at some point I'm sure I'll have to finance a house.

[azoomm]

Originally Posted by Phenix_Rider

Don't know about you, but I commute on two wheels. Serious transportation that's also a hell of a lot of fun. I won't finance anything I want either- I already pay way too much for school loans, and at some point I'm sure I'll have to finance a house.

My commute and work are both all about two wheels

I know a few people that I see as an exception, they are two-wheeled only. As in, it's not an option for them... they ONLY ride. But, even in their cases, they didn't finance.

Look, it is easy to get sucked into living on credit. I just wish more people were smart about it. It doesn't mean all credit is bad, it's that there are too many bad options out there. Hell, I improved my credit by getting a personal loan and buying a bike with it - then paid it off early. But, I wouldn't ever finance through the dealer or one of the bonus manuf. cards.

[comonboys]

Originally Posted by Phenix_Rider

Don't know about you, but I commute on two wheels. Serious transportation that's also a hell of a lot of fun. I won't finance anything I want either- I already pay way too much for school loans, and at some point I'm sure I'll have to finance a house.

I agree, commuting on the bike saves me easily $500 a year. Granted it rains all the damn time and we can only ride 5 months out of the year. That $500 is worth the "investment" to me.

[comonboys]

Originally Posted by azoomm

My commute and work are both all about two wheels

I know a few people that I see as an exception, they are two-wheeled only. As in, it's not an option for them... they ONLY ride. But, even in their cases, they didn't finance.

Look, it is easy to get sucked into living on credit. I just wish more people were smart about it. It doesn't mean all credit is bad, it's that there are too many bad options out there. Hell, I improved my credit by getting a personal loan and buying a bike with it - then paid it off early. But, I wouldn't ever finance through the dealer or one of the bonus manuf. cards.

I got a kick ass rate with my bike, and I had the same amount of time to pay it off as I would have through a bank.... I think if you are responsible with it there isn't any reason that financing the bike is a BAD thing. And mine was on the Kawi card. 6.9% beat anything that a bank would offer.....

[Phenix_Rider]

Originally Posted by comonboys

I agree, commuting on the bike saves me easily $500 a year. Granted it rains all the damn time and we can only ride 5 months out of the year. That $500 is worth the "investment" to me.

Truck to the bike is ~$200 /month fuel savings.

[Cutty72]

Originally Posted by Phenix_Rider

Truck to the bike is ~$200 /month fuel savings.

Yeah, me too. She has a car though.
Her car to my buell is damn near an equal. I only gain about 3 mpg