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| haroman666 |
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 haroman666 World Chat Champion

Joined: 17 Sep 2008 Karma :   
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 Posted: 00:30 - 14 Oct 2012 Post subject: Multi-bike woes |
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Straight facts:
Student
Enough money to buy a second bike
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. ____________________ The mistresses: 2000 Honda CBR600f, 2000 Honda VTR1000 |
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| RichieZX6R |
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 RichieZX6R Nearly there...

Joined: 15 Jan 2009 Karma :  
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| herulach |
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 herulach World Chat Champion
Joined: 19 Apr 2010 Karma :  
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| Rogerborg |
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 Rogerborg nimbA

Joined: 26 Oct 2010 Karma :    
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 Posted: 10:29 - 14 Oct 2012 Post subject: |
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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.  ____________________ Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike |
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| P.addy |
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 P.addy Red Rocket
Joined: 14 Feb 2008 Karma :  
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 Posted: 11:01 - 14 Oct 2012 Post subject: |
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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  |
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| MCW |
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 MCW World Chat Champion

Joined: 20 Aug 2012 Karma :   
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| Kradmelder |
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 Kradmelder World Chat Champion

Joined: 13 Jun 2012 Karma :     
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| jay12329 |
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 jay12329 Dr. Evil

Joined: 02 May 2003 Karma :   
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| JonB |
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 JonB Afraid of Mileage

Joined: 03 Jun 2004 Karma :  
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| haroman666 |
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 haroman666 World Chat Champion

Joined: 17 Sep 2008 Karma :   
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 Posted: 22:44 - 14 Oct 2012 Post subject: |
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| 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.
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. ____________________ The mistresses: 2000 Honda CBR600f, 2000 Honda VTR1000 |
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| Pie-Roe |
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 Pie-Roe World Chat Champion

Joined: 05 Feb 2007 Karma :  
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 Posted: 23:26 - 14 Oct 2012 Post subject: |
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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... ____________________ Previous: GSF600, FZR600 x2, ZXR750, XT600 Tenere, CB125, CZ125, ETZ 250, ER5, CCM R30, DRZ400, RF600x4, RF900x2, GS500, VTR1000F, 640 SMC, CB250 NIGHTHAWK, GT550x3, GPX750 TE610, CB500, X11x2, SV650, ZING 125, TL1000R,CB250 Superdream, CBR1100XX |
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| Bomberman |
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 Bomberman World Chat Champion

Joined: 17 Aug 2004 Karma :  
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 Posted: 13:33 - 15 Oct 2012 Post subject: |
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| Bubbs |
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 Bubbs World Chat Champion

Joined: 28 May 2009 Karma :  
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| Kradmelder |
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 Kradmelder World Chat Champion

Joined: 13 Jun 2012 Karma :     
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 Posted: 14:37 - 15 Oct 2012 Post subject: |
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| 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".
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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. ____________________ 2011 KTM 990 Dakar
2009 BMW 1200 GS |
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| daemonoid |
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 daemonoid World Chat Champion

Joined: 27 Jun 2008 Karma :    
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| Ayrton |
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 Ayrton World Chat Champion

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| Bendy |
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 Bendy Mrs Sensible

Joined: 10 Jun 2002 Karma :   
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| Bomberman |
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 Bomberman World Chat Champion

Joined: 17 Aug 2004 Karma :  
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 Posted: 17:17 - 15 Oct 2012 Post subject: |
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| daemonoid |
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 daemonoid World Chat Champion

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| haroman666 |
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 haroman666 World Chat Champion

Joined: 17 Sep 2008 Karma :   
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| _Will_ |
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 _Will_ World Chat Champion
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| Moxey |
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 Moxey World Chat Champion

Joined: 11 May 2011 Karma :   
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 Posted: 01:05 - 16 Oct 2012 Post subject: |
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+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  ____________________ Current: 02 FZS 1000 & 91 Royal Enfield Bullet 350 Some Bike Pics...
'I was too busy paying attention to pay attention' |
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| smegballs |
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 smegballs World Chat Champion
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| slyrob |
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 slyrob Traffic Copper

Joined: 03 Jan 2010 Karma :  
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 Posted: 13:12 - 16 Oct 2012 Post subject: |
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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
Good Luck  ____________________ Pitslayer wrote "it could be Ndubz.....ruining this once great place with donkey gobbling loafer knobbing "music".
silky666 wrote "In my eyes, when you shake cocks with the devil, you may as well go for the full reach around"
Villers wrote "as reliable as a ginger stepchild on smack" |
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| haroman666 |
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 haroman666 World Chat Champion

Joined: 17 Sep 2008 Karma :   
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Old Thread Alert!
The last post was made 13 years, 259 days ago. Instead of replying here, would creating a new thread be more useful? |
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