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Multi-bike woes

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haroman666
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PostPosted: 00:30 - 14 Oct 2012    Post subject: Multi-bike woes Reply with quote

Straight facts:
Arrow Student
Arrow Enough money to buy a second bike
Arrow Parents paying for uni accomodation so I have my full loan to use for living.

So before you jump the gun and think i've used my student loan to pay for the second bike, I didn't. I've paid for the bike with money I earnt working at the O/Paralympics and havent touched my loan as of yet.

When i've spoken to my parents about buying another bike or car, they've played the "If you can afford that then you can afford to pay for your uni accomodation" card.
I reply to this "Okay I will", but they dont call my bluff or let me pay for my accomodation myself. They just kind of avoid either eventuality.

But regardless of this, I have gone and bought another bike. I wouldn't have, but it was my sisters fiance who was selling it, and it was cheap and I know the bike has been looked after, suprisingly cheap insurance etc etc; it all seemed to fall at my feet easily.

I havent told the parents. But I want to; To save questions when I sell the Bandit and suddenly have a Fireblade the very same day.
I would sell the Bandit now, and tansfer insurance. But a) insurance cant be transferred, i'd have to sort out a new policy and potentially face a loss in monies by cancelling my currently 2 month old policy. And b) i'd have to sort out restriction bollocks until June next year.

So can anyone suggest what I should probably do? I'd prefer to ride the Fireblade and sell the Bandit, as the parents would be happier with that, than them knowing i've splashed out on a bike with money that (In their eyes) could have gone towards something better.

TL;DR
Need a way to tell parents about second bike, and justify having a second bike.
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RichieZX6R
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PostPosted: 08:54 - 14 Oct 2012    Post subject: Reply with quote

Why can the insurance be transferred? I transferee from the old zx to the new and it went up 35 quid including admin fees.

If your current insurance won't transfer it have you tried looking on other sites. Personally if my insurance wouldnt transfer it I would be thinking insurance companies don't won't me on that bike.

If your happy to make a loss on insurance then I would be inclined to tell them. Better to just get it over with really. I turned up without warning on both my zx's at different times and the misses wasn't 100% happy but she did get over it.
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herulach
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PostPosted: 09:20 - 14 Oct 2012    Post subject: Reply with quote

Fucking hell, first world problems or what?
Tell them or don't tell them, easiest is tell them you shopped it in at a dealer.
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Rogerborg
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PostPosted: 10:29 - 14 Oct 2012    Post subject: Reply with quote

You could only "afford" the Fireblade because mumsy is still paying for the roof over your head.

You want it, but you can't afford it, not in adult terms. The adult thing to do is to run up massive credit card bills, then realise that you're living beyond your means. Thumbs Up
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P.addy
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PostPosted: 11:01 - 14 Oct 2012    Post subject: Reply with quote

Fireblade.

Restricted.

Let the lols commence.

I've ridden a restricted 750cc sports, it was dire at best.

Whats more embarrassing is the fact you have a great bike, a real animal of a bike... that can get trodden on by an SV, now that is bad Wink

With Rogerborg here, you can't afford it really... also how old are you. I'm 24 with 2 years NCB now, quote a locked garage, almax 3 and alarm... I still can't get respectable quotes, I'm not sure how they rape students..but yeah, are you using the loan to pay for the insurance Laughing
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MCW
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PostPosted: 11:12 - 14 Oct 2012    Post subject: Reply with quote

Am sole parent of a 1st year undergraduate. Have had sudden drop in income, but Student Finance take last year's income into account and am still having to pay as if I was wellish off. My daughter is doing all she can to help, coping with a demanding course (3 languages), working at a shit job. Worrying.

Your parents are not some unfeeling ATM, they are your flesh and blood that raised you and love you. The only thing that would make my situation of trying to support my daughter unbearable would be if she were to treat me with the self-indulgent dishonesty that you treat your parents.

Time to grow up. A lot.
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Kradmelder
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PostPosted: 17:25 - 14 Oct 2012    Post subject: Reply with quote

I assume you are over 18 since you are at varsity. Maybe your dad should buy a fleet of bikes and say 'well since he can afford several bikes, he doesnt need my financial help'. ' sorry son, I cant afford to feed you anymore, or pay the lights and water. I have a boarder coming in . Im sure you can find a flat with all the money you have on a 'loan''.

Teenagers are so clever. We can learn from them. Learn selfishness and self interest at someone else's expense.

Maybe your parents should charge you a market related rent since you are such a clever adult. Pay the rent and meals, then by all means by a whole fleet of bikes.

Modern entitlement mindset at its best. No wonder europeans dont want to have kids anymore.

My son would get my size 12 up his arse. Not for the bike. He is welcome to buy all the bikes he wants. In his own place.

I have multi bikes, After I pay the bills for my kids and their future, and support the heifer I bred them with, and her new husband who cant support himself, never mind a family.
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jay12329
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PostPosted: 17:38 - 14 Oct 2012    Post subject: Reply with quote

So your restriction ends around the same time as your insurance next year?
Am I the only person that would suggest getting on with the bandit now and then swapping over next year when everything will be much simpler?
Swapping/adding bikes can be possible but the have where they want you so it often significantly cheaper to cancel and get a new policy.

HTH
J
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JonB
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PostPosted: 17:43 - 14 Oct 2012    Post subject: Reply with quote

/read homeless should be executed thread.

/hopes OPs parents grow a pair and stop paying sack of shits accommodation.
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haroman666
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PostPosted: 22:44 - 14 Oct 2012    Post subject: Reply with quote

RichieZX6R wrote:
Why can the insurance be transferred?

Something to do with not holding the correct license for the bike... Didnt really question it at the time. Now I realise I should've mentioned restriction blah-de-blah but oh well.
Rogerborg wrote:
You could only "afford" the Fireblade because mumsy is still paying for the roof over your head.

Did you miss the part where I said I bought the 'Blade with money I earnt in the summer? And forgot that my maintenance loan is what covers rent when overly generous parents aren't offering to pay rent?
##Paddy## wrote:
Fireblade.

Restricted.
Let the lols commence.
I've ridden a restricted 750cc sports, it was dire at best.
Whats more embarrassing is the fact you have a great bike, a real animal of a bike... that can get trodden on by an SV, now that is bad
With Rogerborg here, you can't afford it really... also how old are you. I'm 24 with 2 years NCB now, quote a locked garage, almax 3 and alarm... I still can't get respectable quotes, I'm not sure how they rape students..but yeah, are you using the loan to pay for the insurance

I've out-ruled restriction now anyway so no lols to please you i'm afraid.
As for being shat on by an SV... I aint arsed. I'm not a competitive person. Being behind another bike doesn't bother me.
And insurance quotes come in at £440 Full Comp. A fair price to me, being 21 and all.
MCW wrote:
Things

I dont fully understand your situation you described. Your income affects her student finance. You're paying what exactly? She's helping; great girl. Balancing uni and home worries isn't easy. I appreciate that.
I know I dont come across so selfless, and I dont feel great about that but there's always someone better.
I know i've done wrong, as I have admitted to buying the bike behind my parents' back. Too late. I'm a bit of a selfish, materialistic cunt. That's me, and that's why i've asked advice.
Kradmelder wrote:
I assume you are over 18 since you are at varsity. Maybe your dad should buy a fleet of bikes and say 'well since he can afford several bikes, he doesnt need my financial help'. ' sorry son, I cant afford to feed you anymore, or pay the lights and water. I have a boarder coming in . Im sure you can find a flat with all the money you have on a 'loan''.
Maybe your parents should charge you a market related rent since you are such a clever adult. Pay the rent and meals, then by all means by a whole fleet of bikes.
My son would get my size 12 up his arse. Not for the bike. He is welcome to buy all the bikes he wants. In his own place.
I have multi bikes, After I pay the bills for my kids and their future, and support the heifer I bred them with, and her new husband who cant support himself, never mind a family.

Yep, 21.
And well all that's being paid for is rent... Nothing else. And i'm not claiming that makes it all okay because i'm a big boy who can pay bills and make beans on toast every day. But maybe you missed the bit where I offered to pay my own rent?
I'm fully willing to pay my own rent. My loan covers that. That would leave me with a few-hundred of the loan to pay for a bit of food. My work in the summer earnt me enough to pay for this bike and there is still £2k left over. SO that's £2k for bills and even more food.
What i'm trying to say is: i've done the sums to work out whether I could afford this bike if my parents weren't paying my rent. Turns out I can. I've offered to pay my own rent. They avoid answering it and say "It doesn't work like that".
jay12329 wrote:
So your restriction ends around the same time as your insurance next year?
Am I the only person that would suggest getting on with the bandit now and then swapping over next year when everything will be much simpler?

Whilst it doesn't fall at the same time, the insurance problems lie within the restriction. So essentially, I should be able to swap the insurance when the restriction ends without having to cancel the policy.

Would just like to say to all: Judge me on this thread however. I'm young with too much money. I'm fully aware that I come across as a materialistic selfish phallus. But I do ask that you don't hold it against me. We're all different.
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Pie-Roe
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PostPosted: 23:26 - 14 Oct 2012    Post subject: Reply with quote

Why not show your parents some respect and tell them that you'll pay yourself, and do it. That way, if they really want you to be under their care they will probably pay some of it back to you.

Also, man the fuck up, awkward questions about where one bike has gone and the other magically appears? If you don't have the stones to tell your own flesh and blood you bought summat with your own money, theres a wonderful thing called part exchange...
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Bomberman
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PostPosted: 13:33 - 15 Oct 2012    Post subject: Reply with quote

lol, your sister will grass on you eventually so MTFU and tell your rents. Would be amusing if they turned round and said 'Two bikes? You can afford to pay your rent then' Very Happy
As said, first world problems indeed.
Quote:
I'm fully willing to pay my own rent. My loan covers that. That would leave me with a few-hundred of the loan to pay for a bit of food. My work in the summer earnt me enough to pay for this bike and there is still £2k left over. SO that's £2k for bills and even more food.

That's not doing the sums. You have £2k for the year? Good luck Very Happy And what about next year? You aren't going to get Olympics work then are you?
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Bubbs
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PostPosted: 14:28 - 15 Oct 2012    Post subject: Reply with quote

Pay your own rent. Keep the bikes!

When you say they said: "it doesn't work like that".

They mean, "We want to pay for your rent to help you get through, and give you less stress in order to get a degree you will be proud of and get you somewhere in life."

They pay to support you. If you do start paying yourself you should at least thank them for the massive support they have given you so far, and mitigate the potential of hurting their feelings.

Theres a right way and a wrong way to go about it. The wrong way would be to treat them like a bank that you no longer need because you have your own money so *blows a raspberry*

Your very very lucky to have support like that!! I had a similar set up when I was in uni and treated my parents a little like crap. I thank them profusely now though.. they had to forgo holidays, golf memberships, nice meals etc etc. to keep my arogant small mindedness afloat!! Not good!
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Kradmelder
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PostPosted: 14:37 - 15 Oct 2012    Post subject: Reply with quote

haroman666 wrote:
Kradmelder wrote:
I assume you are over 18 since you are at varsity. Maybe your dad should buy a fleet of bikes and say 'well since he can afford several bikes, he doesnt need my financial help'. ' sorry son, I cant afford to feed you anymore, or pay the lights and water. I have a boarder coming in . Im sure you can find a flat with all the money you have on a 'loan''.
Maybe your parents should charge you a market related rent since you are such a clever adult. Pay the rent and meals, then by all means by a whole fleet of bikes.
My son would get my size 12 up his arse. Not for the bike. He is welcome to buy all the bikes he wants. In his own place.
I have multi bikes, After I pay the bills for my kids and their future, and support the heifer I bred them with, and her new husband who cant support himself, never mind a family.

Yep, 21.
And well all that's being paid for is rent... Nothing else. And i'm not claiming that makes it all okay because i'm a big boy who can pay bills and make beans on toast every day. But maybe you missed the bit where I offered to pay my own rent?
I'm fully willing to pay my own rent. My loan covers that. That would leave me with a few-hundred of the loan to pay for a bit of food. My work in the summer earnt me enough to pay for this bike and there is still £2k left over. SO that's £2k for bills and even more food.
What i'm trying to say is: i've done the sums to work out whether I could afford this bike if my parents weren't paying my rent. Turns out I can. I've offered to pay my own rent. They avoid answering it and say "It doesn't work like that".



Well since you are technically an adult they cant tell you how to spend your money, as long as you pay your way first. As parents they want to advise though.

If you have done your sums, show them you are financially responsible, offer to pay your share for living there, thank them for the opportunity, then buy your bike. if you are paying rent, you have taken the wind out of their sails that 'it doesnt work like that'

Im sure what your father means is that you dont live off people then use your own money just for yourself.

Im sure they dont want to ask for rent either for fear of driving you away. Be a man and make the offer. Ask them what is a fair rent for their sacrifice, cough up, then buy your bike.

Bear in mind that you have not 'earned' the money you will be paying them. It is a student loan that you will have to pay back, when and if you find a job. Do your really want to saddle yourself with a huge debt upon graduation? But that choice is entirely yours.
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daemonoid
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PostPosted: 16:14 - 15 Oct 2012    Post subject: Reply with quote

Bomberman wrote:
That's not doing the sums. You have £2k for the year? Good luck Very Happy And what about next year? You aren't going to get Olympics work then are you?


2k on top of loans is reasonable enough - almost £40 a week to spend on himself assuming he uses all his loan on rent, food, books & transport (there's normally a bit spare anyway).

Student life is cheap it's the debts afterwards that are the worry, but assuming he's doing a worthwhile course, it'll be manageable.

Why do people always assume the worst? Sure he's not going to get Olympic work, but does that mean he'll get no work? Or have no chance of a bar job?

Parents paying rent was not too uncommon when I was at uni (I paid my own though) I don't get why everyone's so against the OP.
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Ayrton
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PostPosted: 16:42 - 15 Oct 2012    Post subject: Reply with quote

So you want to have 2 bikes and yet still make your parents pay for your accommodation? Seems a bit selfish to me.
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Bendy
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PostPosted: 16:43 - 15 Oct 2012    Post subject: Re: Multi-bike woes Reply with quote

haroman666 wrote:

Need a way to tell parents about second bike, and justify having a second bike.


There isn't really any justification, other than 'it was a bargain' and 'i'll sell my bandit in the spring when I'll get more for it'.

Not being able to change bikes on a policy is pretty common, its happened to me a few times. You just have to suck it up and lose the money / no claims (in my experience I've not lost money if the same company starts the new policy).

So. You either keep both bikes, insure both bikes, but probably only use the Bandit (what with winter looming) or you flog the bandit and take the hit on insuring and restricting the Fireblade. There's no magic cure for that - should have waited til your 33bhp was up.

You're just going to have to tell your parents, they're not stupid and they'll probably be pretty miffed that you've 'wasted' your money. They do have a point, to be fair.
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Bomberman
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PostPosted: 17:17 - 15 Oct 2012    Post subject: Reply with quote

daemonoid wrote:
Bomberman wrote:
That's not doing the sums. You have £2k for the year? Good luck Very Happy And what about next year? You aren't going to get Olympics work then are you?


2k on top of loans is reasonable enough - almost £40 a week to spend on himself assuming he uses all his loan on rent, food, books & transport (there's normally a bit spare anyway).

Either I've misunderstood or you have, not sure which Very Happy
He's done the sums, but only assuming his parents continue to pay his rent. If they call his bluff he doesn't have his loan and the he has £40 per week total. It was that claim that I had issue with. If my budget was £40 p/w I'd assume the worst Wink Plus he didn't actually work out the insurance cost.
I think what got peoples backs up was the way he seems to have gone about it. If I were his parents I think I'd be a bit put out at him turning up on a shiny new (old) bike.
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daemonoid
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PostPosted: 20:32 - 15 Oct 2012    Post subject: Reply with quote

Bomberman wrote:
Either I've misunderstood or you have, not sure which Very Happy
He's done the sums, but only assuming his parents continue to pay his rent. If they call his bluff he doesn't have his loan and the he has £40 per week total. It was that claim that I had issue with. If my budget was £40 p/w I'd assume the worst Wink Plus he didn't actually work out the insurance cost.
I think what got peoples backs up was the way he seems to have gone about it. If I were his parents I think I'd be a bit put out at him turning up on a shiny new (old) bike.


His response to roger seemed in his second post made it look like he's got £2k, plus his loan, plus rent paid for him! Nice situation really...

Took me a couple of years of working until I had as much spare cash as I did as a student once you factor in commuting costs, lunches and all the other stuff that goes into the real world.

Yeah, I can see why some wouldn't like it, but it seems OTT - a lot of people do a lot worse in their youth.
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haroman666
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PostPosted: 21:43 - 15 Oct 2012    Post subject: Reply with quote

daemonoid wrote:
His response to roger seemed in his second post made it look like he's got £2k, plus his loan, plus rent paid for him! Nice situation really...

This.

If I paid my own rent, I've still got £2k to live on for the next 9 months. Piece of piss.
I could budget £500 for bills. (With alot to spare)
Budget £1250 for food.
£250 left for luxuries.
Plus I have casual employment (The company i worked the olympics with) who have work on all the time. If I were strapped for cash I could earn myself £100 over a weekend to see me through the near future.
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_Will_
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PostPosted: 22:35 - 15 Oct 2012    Post subject: Reply with quote

Ignore the miserable middle aged (bitter) responses, i'm sure many people have spent/wasted much more of their lives on much less, the lesson in that part at least is to do these things while you can - it will be a long time before you have a position fortunate enough to do it again!

Do be honest though, that costs nothing as is worth much more than money.

Sell the bandit and switch to the blade, even if it means a few months on restriction, look at it on the bright side it will be like a new bike when it goes full power.

If your parents are nice enough to pay for a roof over your head then be gracious, do not take it for granted and be ready for that to change, if you have the means then a few gestures here and there to let them know you appreciate them will be as good as paying your way. Thumbs Up
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Moxey
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PostPosted: 01:05 - 16 Oct 2012    Post subject: Reply with quote

+1 to what _Will_ said

As you've already bought the bike......

Personally I would wait till next year then you can do either of the following.

A) Insure the bike possibly for less, ride it unrestricted and possibly in better weather (do not hold me to that one).

or

B) Sell the bike for a profit (possibly) when they become more desirable in the warmer months.

Treat is as an "investment" of sorts that your deciding what to do with, don't make any concrete decisions until you've ran the numbers and made a logical decision over the winter as to what to do with it.

As for parents be honest about it, they deserve it.

+ Nice 929 saw the pics in shows us your bikes thread Thumbs Up
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smegballs
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PostPosted: 11:10 - 16 Oct 2012    Post subject: Reply with quote

Shit like this makes me glad that I pay for all my expenses out of my own student loan/grant. I hate taking money off my dad, I feel bad enough that he gives me 20 quid after doing a few days work with him. I even feel guilty asking him for the train fare to go and do work for him (This is work on our land, not employment work).

Most of all, if I fuck up my degree, I don't have to feel guilty that I've wasted his money...
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slyrob
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PostPosted: 13:12 - 16 Oct 2012    Post subject: Reply with quote

you are attending university....... this money would be far better spent on alcohol, drugs and most importantly taking advantage of uninhibited access to sex with women that will (for most people) never be as easy or as plentiful for the rest of their lives!!
you already have a bike, unless you are a gollum faced gimp with the social graces of a leaky urinal this should be the best time of your life! now run along to the student union and get on with it, by my watch you've already missed freshers week so it only gets harder till the new crop arrives next year when you can get back to the "I have a boyfriend back home but I feel that shouldn't stop me meeting new people" crowd Thumbs Up
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haroman666
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PostPosted: 14:02 - 16 Oct 2012    Post subject: Reply with quote

slyrob wrote:
you are attending university....... this money would be far better spent on alcohol, drugs and most importantly taking advantage of uninhibited access to sex with women that will (for most people) never be as easy or as plentiful for the rest of their lives!!
you already have a bike, unless you are a gollum faced gimp with the social graces of a leaky urinal this should be the best time of your life! now run along to the student union and get on with it, by my watch you've already missed freshers week so it only gets harder till the new crop arrives next year when you can get back to the "I have a boyfriend back home but I feel that shouldn't stop me meeting new people" crowd Thumbs Up
Good Luck Laughing


Hahah i've done 2 years of this already... I get more kicks out of bikes than drink and women these days.
In first year i ticked all the boxes that i needed to in the bedroom. Now it's all just the same ol' race to the finish so I can get some sleep so I can go ride in the morning.
I do appreciate that the uni lifestyle is not one to miss out on, and I should make the most of it while I can; and I have. Now, final year... My degree takes precedence. I can ride my bike to the LRC to do some work, but I cant ride a female there.

INB4 "Gayyyyy" or "Wow this dude needs a life"
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The mistresses: 2000 Honda CBR600f, 2000 Honda VTR1000
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