♂♀ Loners - Dare To Ride Alone...

[princessminn]

Dont Pillion Lar Say next time ur bike all Single Sitter

 

PT is PaTient How come ur shortform Like that one

 

I TOLD INSTRUCTOR TT NEXT TIME I DUN PILLON PPL.

HE SAY CANT.

TT'S OUR SHORTFORM LO.

LOL.

[BlurLing]

During our meeting yesterday, I had a discussion with JB over the purchase of class 2 sports bike. Perhaps I can share on how did I plan my finance in order to pay for the machine in the long term. The following are 2 examples.

 

Benchmark:

(1) To sell the bike in 2.5 years as the motorcycle category change in about 3 years. This will render the owner to be able to own the latest model at all times.

(2) Does not require or minimal downpayment during every trade in.

 

A brand new Japanese 600cc costs averagely SGD$20,000 otr when purchased new.

 

Downpayment of 35%

Downpayment = 0.35x20000 = $7000

 

0.65x20000 = SGD$13,000

Loan of SGD$13,000

 

Loan can only span a maximum of 4 years. Motorcycle loans are not recommended to take more than 4 years. A loan too long will hinder the owner’s prospects on keeping up with the latest models.

 

Interests = 4.5% P.A

Therefore total interests = 18% for 4 years.

 

Loan price/loan period = 13,000/4 years = 13000/48mths = 270.83

270.83 = loan without interests

 

270.83*1.18 = $318.60

Installment of $318.60/mth

 

After 2.5 years

318.60x2.5 years = 318.60*30mths = $9558

Paid $9558 of loan

 

Loan = 13000

Owed Loan = 13000 - 9558 = $3442

 

Sold the 2.5 year old 600cc at $11000

11000 – 3442 = $7558

Take back $7558 cash for transfer to new bike downpayment.

 

 

 

A brand new Japanese 1000cc costs averagely SGD$25,000 otr when purchased new.

 

Downpayment of 35%

Downpayment = 0.35x25000 = $8750

 

0.65x25000 = SGD$16,250

Loan of SGD$16,250

 

Loan can only span a maximum of 4 years. Motorcycle loans are not recommended to take more than 4 years. A loan too long will hinder the owner’s prospects on keeping up with the latest models.

 

Interests = 4.5% P.A

Therefore total interests = 18% for 4 years

 

Loan price/loan period = 16250/4years = 16250/48mths = 338.54

338.54 = loan without interests

 

338.54*1.18 = $399.50

Installment of 399.50/mth

 

After 2.5 years

399.50*2.5 years = 399.50*30mths = 11985

Paid $11985 of loan

 

Loan = $16250

Owed Loan = $16250 – 11985 = $4265

 

Sold the 2.5 year old 1000cc at $14000

14000 – 4265 = $9735

Take back $9735 cash for transfer to new bike downpayment.

 

_________________________________

 

In other words, The bottomline is a downpayment of a minimum of 30% to 40%, The payment must not exceed 4 years. This will ensure that the owner will have a comfortable repaying and bike renewing threshold.

 

Never ever believe you can always get someone to COI or drag on for a 6 year loan. In addition, do not transfer the loan owed onto the next bike by digging a deeper hole to fill another hole.

 

 

 

you can actually type all these!

impressed.

 

 

time for me to take 5 after typing finish over 150 sch's details :giddy:

[7346]

I TOLD INSTRUCTOR TT NEXT TIME I DUN PILLON PPL.

HE SAY CANT.

LOL.

 

He Just wanna Eat Toufu

 

You should do the below

 

Steps to do a proper KNNBCCB with middle finger.

 

1. Bow down slightly, looking intensely at objective

2. Like a raging bull, hop and jog slowly towards objective (maintaning the raging bull look)

3. Take your left palm and slap it hard on the right mid-arm with a SLAP!

4. With charisma, raise right arm, whilst showing middle finger (with left palm trapped in bend right arm)

5. Shout! (KNNBCCB)

 

After that :-

 

1. If objective looks timid, give a glare.

2. If objective look hostile, run.

[princessminn]

He Just wanna Eat Toufu

 

You should do the below

 

Steps to do a proper KNNBCCB with middle finger.

 

1. Bow down slightly, looking intensely at objective

2. Like a raging bull, hop and jog slowly towards objective (maintaning the raging bull look)

3. Take your left palm and slap it hard on the right mid-arm with a SLAP!

4. With charisma, raise right arm, whilst showing middle finger (with left palm trapped in bend right arm)

5. Shout! (KNNBCCB)

 

After that :-

 

1. If objective looks timid, give a glare.

2. If objective look hostile, run.

 

HOR HOR!!!

U TEACH MI BAD.

I MAKE SURE I CAST SPELLS ON U,

MAKE U CANT SLEEP FOR E NEXT FEW MONTHS.

=X

[7346]

 

 

you can actually type all these!

impressed.

 

 

time for me to take 5 after typing finish over 150 sch's details :giddy:

 

You Take 5 ??

 

i think u Take More then 20 Lor

 

HOR HOR!!!

U TEACH MI BAD.

I MAKE SURE I CAST SPELLS ON U,

MAKE U CANT SLEEP FOR E NEXT FEW MONTHS.

=X

 

A Sleepy Man is a Very Angry Man

 

Then will come out with KNNCCB NH NB YS Enhances edition

[princessminn]

You Take 5 ??

 

i think u Take More then 20 Lor

 

 

 

A Sleepy Man is a Very Angry Man

 

Then will come out with KNNCCB NH NB YS Enhances edition

 

LALALALA,I MAKE SURE U DUN SLEEP FOR NEXT FEW MONTHS.

=X

[kOpi_jaC]

good morning 7456...

 

r u on msn...!?!

[BlurLing]

You Take 5 ??

 

i think u Take More then 20 Lor

 

 

 

A Sleepy Man is a Very Angry Man

 

Then will come out with KNNCCB NH NB YS Enhances edition

 

:giddy: :giddy:

[edalpha]

NabEh Still DaRe say

 

haaha u Should Have Wack all the way When u See the Blinker

 

 

 

Local Top is just at 99km/hr

 

sial la.... i dun wan deduct points n pay fine lo.... u so rich u do it la... lolx...

[princessminn]

good morning 7456...

 

r u on msn...!?!

 

XI KE WO~~~~

[7346]

LALALALA,I MAKE SURE U DUN SLEEP FOR NEXT FEW MONTHS.

=X

 

Y you Prevertic SM queen

 

Put toothPick ??

 

good morning 7456...

r u on msn...!?!

 

Good Morning General

 

And Pls Go out to collect YouR PunishMent

 

S|m| 7456

[edalpha]

good morning 7456...

 

r u on msn...!?!

 

of course he is.. onli um um.. status put appear offline.

[7346]

:giddy: :giddy:

 

Erm Ar Blur BAK KUT TEH, Yummy

 

sial la.... i dun wan deduct points n pay fine lo.... u so rich u do it la... lolx...

 

Erm haaha Can 1 You J|o them waCk

 

XI KE WO~~~~

 

West Lesson ???

[princessminn]

Y you Prevertic SM queen

 

Put toothPick ??

 

 

 

Good Morning General

 

And Pls Go out to collect YouR PunishMent

 

S|m| 7456

 

HAAA.

WHO ASK U SO BAD?

=[

[kOpi_jaC]

XI KE WO~~~~

 

xin hui xin hui~~~

 

Good Morning General

 

And Pls Go out to collect YouR PunishMent

 

S|m| 7456

 

collect simi punishment... 7456?

 

of course he is.. onli um um.. status put appear offline.

 

now i learnt his trick too!

[7346]

HAAA.

WHO ASK U SO BAD?

=[

 

Har, what have i done

 

Dont add ur

 

"Feel vommity" or "there Pain" or "i do not wanna eat but keep Jhys"

 

to my Criminal record Wor

 

of course he is.. onli um um.. status put appear offline.

 

Haaha Um Um ??

 

what is that,

 

ACTUALLY my msn not offline But its "Stealthing"

[7346]

collect simi punishment... 7456?

 

You will be Sent to Do Guard Duty For 7 7 49days

 

ban from Rider for 1weeks

[princessminn]

xin hui xin hui~~~

 

 

 

collect simi punishment... 7456?

 

 

 

now i learnt his trick too!

 

IRON HORSES OSO COME CLUB LONERS OSO.

LOL.

[7346]

Haaha,

 

see At first i brainwash "Eric Tsuang" AKA MengZai,

 

now More and more "HYBriDs" and "Crosses" its a "LoNely Horses"

[princessminn]

Har, what have i done

 

Dont add ur

 

"Feel vommity" or "there Pain" or "i do not wanna eat but keep Jhys"

 

to my Criminal record Wor

 

 

 

Haaha Um Um ??

 

what is that,

 

ACTUALLY my msn not offline But its "Stealthing"

 

U ALOT CRIMES DE LA.

=X

HAA.

RUBBISH DUMP~~~

[kOpi_jaC]

You will be Sent to Do Guard Duty For 7 7 49days

 

ban from Rider for 1weeks

 

har...!?! i did nth wrong, y mus do guard duty?

 

wat insolence u damn xiao luo!

[7346]

U ALOT CRIMES DE LA.

=X

HAA.

RUBBISH DUMP~~~

 

So Am i Suppose to Take over MSK ?? Mas Serlamat Kangkang

[BlurLing]

Erm Ar Blur BAK KUT TEH, Yummy

 

 

 

Erm haaha Can 1 You J|o them waCk

 

 

 

West Lesson ???

 

come nor.. lunch time

[kOpi_jaC]

IRON HORSES OSO COME CLUB LONERS OSO.

LOL.

 

oei... SssShhhhhhHhhhh!!! nowadays got alot of spy kids from mars!

 

aniwae, i jus passing by...

 

and i'm not like meng zai suka suka one.

[7346]

come nor.. lunch time

 

Haaha, Steady ar ?

 

oei... SssShhhhhhHhhhh!!! nowadays got alot of spy kids from mars!

 

aniwae, i jus passing by...

 

and i'm not like meng zai suka suka one.

 

ErM, You Sure

 

You B@stard OFf spring of IRon horse and Loners

You are Banish to the land of the Unwanted