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  1. Old Comment
    Posted March 11th, 2009 at 12:58 PM by Alex Alex is offline
  2. Old Comment
    xTKx's Avatar

    Ninjette Chronicles Part III

    Hey Kelly,
    Got it financed through a local credit union (which was my former bank for about 2 1/2 years). I was blessed to get a really, really low interest rate (5.75%) considering the financial strains of the times. Since I had to pay a membership fee to get the loan, it looks as though I'm a member...yet again!
    Posted March 11th, 2009 at 08:34 AM by xTKx xTKx is offline
  3. Old Comment

    Ninjette Chronicles Part III

    check with a local credit union instead of a bank. Credit unions are usually a bit cheaper and easier to qualify. If you don't belong to a credit union, find a good one and join. I don't use banks anymore, except when I absolutely have to... and then it is only for services that they offer that credit unions don't.
    Posted March 10th, 2009 at 12:08 AM by kkim kkim is offline
  4. Old Comment
    xTKx's Avatar

    Ninjette Chronicles Part III

    Yeah, it has definitely occured to me to look elsewhere for a vehicle loan. The bank the dealer is using was my former bank for about 3 years (I switched to BofA when I got married). I've got all safety gear ready to go (most of it from my old bike). I'm setting aside a small portion of my paycheck specifically for the bike to pay for things like new tires and maintenance. As far as insurance goes, I'm already used to paying that (because of my previous bike), and I even got a better quote from my current agent than what I was paying before.

    Not to mention I'm dropping my gym membership this month (about $70), and my brother's paying me at least $200 a month to pay off our car (which will allow me to put big chunks of my paycheck toward my "maintenance budget" since my brother will pretty much be paying for my bike).

    Though, who knows. I'm still supposed to get the "final call" this morning and for all I know I'm still not approved for the whole amount (which will definitely be the final straw for now). As much as I want the bike, I'm still weighing in the pros and cons before the weekend. Only time will tell...


    *Edit: One of the biggest reasons the guy told me I wasn't approved for the whole amount was my house. Since I've only made 5 payments on it so far, we still have about 99% of our house to pay off. He told me that the bank doesn't just look at your monthly mortgage payment, but they look at the remaining balance of your house as well.
    Posted March 4th, 2009 at 07:35 AM by xTKx xTKx is offline
  5. Old Comment
    Alex's Avatar

    Ninjette Chronicles Part III

    Couple quick thoughts...

    I'd look elsewhere for financing as well just to compare rates. Do you have a home equity line you can draw on? Can the bank that holds your mortgage give a you a decent rate on a vehicle loan?

    Also, how much financing do you need on a $4K bike? Do you have the cash flow to pay for all the required gear (seems like you're fine here, as it sounds like you have most of the protective gear already), maintenance, tires, insurance, etc.?
    Posted March 3rd, 2009 at 05:22 PM by Alex Alex is offline
  6. Old Comment
    sugarbear's Avatar

    Ninjette Chronicles Part II

    ATTGAT and color co-ordinated! Good luck on the Ninja search!
    Posted March 3rd, 2009 at 08:10 AM by sugarbear sugarbear is offline
  7. Old Comment
    xTKx's Avatar

    Ninjette Chronicles Part II

    I sure will!! And as for the colors, I'm looking specifically for black or red. I'm a girly-man when it comes to mathching, and I just got the red/black Teknic Freestyle jacket from newenough.
    Also, I've got a white and black Joe Rocket RKT101 helmet that I'll keep using from my old bike.
    Posted March 2nd, 2009 at 09:49 AM by xTKx xTKx is offline
  8. Old Comment
    sugarbear's Avatar

    Ninjette Chronicles Part II

    Hi, xxTKxx! Keep us posted on the Ninja search. What colors are you looking for?
    Posted March 2nd, 2009 at 08:40 AM by sugarbear sugarbear is offline
  9. Old Comment
    Posted March 1st, 2009 at 06:33 PM by Alex Alex is offline
  10. Old Comment
    xTKx's Avatar

    Ninjette Chronicles Part I

    Thanks Alex! I'll be sure to add more!
    Posted February 18th, 2009 at 08:34 AM by xTKx xTKx is offline
  11. Old Comment
    Alex's Avatar

    Ninjette Chronicles Part I

    Nice job on the first blog post! And I look forward to your next posts when you get to pick up your shiny new ninjette...
    Posted February 17th, 2009 at 05:15 PM by Alex Alex is offline

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