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Shurup

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Posts posted by Shurup

  1. There's nothing else in this category or price range. Vulcan 650 has adjustable seat, pegs and bar so can be set for any size rider. Read some reviews and go buy it.

    555 Go buy it .....Don't be silly that ain't gonna happen ,yesterday he nearly bought a Lifan that had been sitting on the shop floor for 2 years don't forget these bikes are great sellers,day before that It was some other bike not suited for purpose that he was dreaming about.do you actually ride at all Allan and if so what and I don't class riding a scooter or wave to 7/11 as really riding

    LOL, thats why i said go buy it, or else this looking_for_a_bike drama will never end. wink.png

  2. I have never heard of a fair interest when financing a small scooter. Based on that information I advised to pay cash rather than finance and that was what OP asked.

    Even getting a car loan at a proper bank in thailand Will not give buyer a normal deal (by Western standarts). Normally paying off a loan here early will not save you any money.

    So again don't complicate things, op isn't a 5 years old but he isn't consulting a financial advisor here.

  3. "IF" was the key word. If you can pay cash... meaning if you have money available and don't need them for some security or other reasons.

    Back to your example. You have 100k sitting in your pocket and it's going to cost you 3700 over a year of bike loan. Question: Are you going to turn that money over and make more than 3700 out of it in one year or just going to enjoy having that bulge in your pans pocket?

    Actually I have for years kept a minimum of 100k in gold in a bank for emergencies. Since buying it at 4000 baht a baht, I've some nice profits over the years, especially about 3-7 years ago.

    I think I'll leave my gold and by the bike on credit, unless I earn some money this month.

    In this case buying on credit may be a smart choice.
  4. Lol. Only doable onshore... but you realise you've got up to something like a year after expiry?

    We didn't know that. That might actually be helpful!

    They really don't want to do the 30 questions again and it's now something like 60 questions.

    Really anti- wasting time.. not that I blame them!

    By they you probably mean your wife and her kid? Considering how Thai people drive, it may actually be a good idea to have them go through all the 60 questions and more, I think it should be mandatory for everyone since they reworked the licensing a little.
  5. "IF" was the key word. If you can pay cash... meaning if you have money available and don't need them for some security or other reasons.

    Back to your example. You have 100k sitting in your pocket and it's going to cost you 3700 over a year of bike loan. Question: Are you going to turn that money over and make more than 3700 out of it in one year or just going to enjoy having that bulge in your pans pocket?

  6. Thanks gweiloman, yes i do rcognize many strange people here. I will check out some groups and yes i need to get used to the traffic here. About the bike i just saw this on sale and its really tempting i know maybe a bit too much to start too but i think i can't resist. Will be alright as i am a expierienced rider right?

    attachicon.gifIMG_4776.JPG

    Tom, this thing is sex on wheels if you ask me, one hell of a bike too.

    My opinion is get the best bike you can afford, don't worry about the displacement and that others may say it's too much for the beginner (in thailand), I say, 899 or even larger bike can be ridden in the same fashion as a 300 cc or even 150cc bike. It's up to you how much you want to open it up, just take it easy from the start until you know the bike a little better.

    If someone purposely gets a small displacement bike because they are afraid to hurt themselves, they may as well ride with their mama on the back so she can tell them to slow down if they go too fast.

  7. Makes me chuckle.

    This sort of reply shows you have nothing to say in reply to @eisfeld post. And his post is correct.

    If youre buying anything you've got to pay, either now or later, but you will pay at least the full amount, and more if you're buying on credit. Unless you can invest that money at a better rate than the loan's interest, getting a loan doesn't make sense if you can pay cash. Having 100k sitting in your pocket is rather stupid if you're not going to invest it.

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