Latest Feb 2015 COE $5,540 that made the lower and middle income suffer more!

[safeins]

nothing wrong to buy things n sell them later. Some sell to upgrade, some sell cos need the $$ for other things, some do it cos of loss of income. Whatever the reasons, I dont see anything wrong with it. Its much more fun to own something u like for a few short years rather than never to own it. Some may fall into a pit, get deeper n deeper into debts n even become bankrupt. Ideally, u should know when to cut losses and sell of etc before becoming bankrupt but even if u make that mistake, declared bankrupt its still ok if u learn n can get back up again stronger.

 

Brother said is easy! I saw many wealthy people which I knew is not what you said so easy! Off course if a person know when to cut losses and sell but these people has already over commit!

Is like Singapore we are moving so fast and we can't afford to slow down and leave like the sixty or seventy or eighty or ninety!

 

Sorry are you the one that own a car? Now Sunday free parking or after 5pm free parking is getting lesser and go to certain park in Singapore no more free parking. Parking is going on mins. charges (EPS). I think going outing with family expenses is also high now driving a car!

 

Your earlier comment: at the end of the day, the 5-6K COE is still affordable to many (not all). Its just that we are not used to it.

 

Correct me if I'm wrong, I should said is not "affordable to many" is whether the "price is justifiable" to those having different type of bike!

[hachi]

Shares and gold price has gone down! Europe and China share market are not so steady!

Greece has borrow money to pay their "debt" borrow money pay money keep rolling...... Spain selling their old airport, there is country selling their island....

You can see newspaper wealthy people has make a great loss recently, so will it affect everyone soon?

 

Hopefully soon, I am waiting for the days where record breaking retrenchment and stock markets purge. So when will I get retrenched and can get some free time to fish and mountain biking every morning? Or send my kids to school everyday.

[kzone]

Brother said is easy! I saw many wealthy people which I knew is not what you said so easy! Off course if a person know when to cut losses and sell but these people has already over commit!

Is like Singapore we are moving so fast and we can't afford to slow down and leave like the sixty or seventy or eighty or ninety!

 

Sorry are you the one that own a car? Now Sunday free parking or after 5pm free parking is getting lesser and go to certain park in Singapore no more free parking. Parking is going on mins. charges (EPS). I think going outing with family expenses is also high now driving a car!

 

Your earlier comment: at the end of the day, the 5-6K COE is still affordable to many (not all). Its just that we are not used to it.

 

Correct me if I'm wrong, I should said is not "affordable to many" is whether the "price is justifiable" to those having different type of bike!

 

yes, we cant live like we used to in the sixties, seventies, eighties or nineties. Even if you can why wud u? Actually u can if u move out but this is our nation so let's not even consider that, pardon me.

 

Yes, cost of car usage is going up. I like this.. it will cut down non essential travels on private transport but this is only feasible if public transport is of acceptable standards. Clearly, its not now but we can see actions being take to improve it. I'm sure as it improves, we will see even higher cost of usage. For one, I feel parking charges is too little here.

 

what is justifiable is objective. To me, I was half hoping that both car & bike COE supply be reduced by 50% so that our roads will be smooth n I can justify buying a harley to cruise down PIE/CTE/KPE/AYE/ECP to n from work during peak periods daily. My justification is that our land is limited and slow traffic is unproductive. In such a small country public transport should be sufficient enough to cater for 90% of all travels. I sincerely believe we will get there in 10 years

 

bro, why u worry about wealthy people's problem. They get wealthy cos of the risks they take.. wealth comes n goes. Every individual have difference risk tolerance level. I respect that you have low risk appetite.

[hachi]

yes, we cant live like we used to in the sixties, seventies, eighties or nineties. Even if you can why wud u? Actually u can if u move out but this is our nation so let's not even consider that, pardon me.

 

Yes, cost of car usage is going up. I like this.. it will cut down non essential travels on private transport but this is only feasible if public transport is of acceptable standards. Clearly, its not now but we can see actions being take to improve it. I'm sure as it improves, we will see even higher cost of usage. For one, I feel parking charges is too little here.

 

what is justifiable is objective. To me, I was half hoping that both car & bike COE supply be reduced by 50% so that our roads will be smooth n I can justify buying a harley to cruise down PIE/CTE/KPE/AYE/ECP to n from work during peak periods daily. My justification is that our land is limited and slow traffic is unproductive. In such a small country public transport should be sufficient enough to cater for 90% of all travels. I sincerely believe we will get there in 10 years

 

bro, why u worry about wealthy people's problem. They get wealthy cos of the risks they take.. wealth comes n goes. Every individual have difference risk tolerance level. I respect that you have low risk appetite.

 

There are people that are emotional about money. But some have no qualm in committing loans. For me, my upbringing, if you cant full cash then you cannot afford. Simple as that, except houses. Maybe that is why I nv complained about things ex. House I also got the cheapest, yes location no good, but to commit 30 years and 300k more does not make sense to me. During bad times, I still need to service the loan will good location be any benefits me during that time?

 

Likewise for bikes, every single 2nd hand bikes out there needs overhauling or cracked frames that many have no choice but to get a new bike? For me I do not own a new bike before. Quite sad right?

[kzone]

There are people that are emotional about money. But some have no qualm in committing loans. For me, my upbringing, if you cant full cash then you cannot afford. Simple as that, except houses. Maybe that is why I nv complained about things ex. House I also got the cheapest, yes location no good, but to commit 30 years and 300k more does not make sense to me. During bad times, I still need to service the loan will good location be any benefits me during that time?

 

Likewise for bikes, every single 2nd hand bikes out there needs overhauling or cracked frames that many have no choice but to get a new bike? For me I do not own a new bike before. Quite sad right?

 

seems we have similar upbringing but different "end result". I also was brought up to pay using only cash. I grew up seeing how others leverage to get a better life for their family so I now leverage where i feel it makes sense. I too never own a new bike (and I own each of them for a long time). In fact, most other things I also will consider 2nd hand as the 1st consideration unless when buying new is the more cost effective option. So most of my hobby stuffs are bought 2nd hand.. homes all bought new cos cheaper (but rented super old place for 5 years). Even my furniture, computers, toys, hifi, bicycles, cars were mostly bought used. But in recent years, more people are opened to buying used items so higher demand/higher resale value making some things to be more cost effective when buying new. Wow now u got me thinking, I can count in 1 hand or maybe 2 how many things above 1K i bought new

 

bro, with regards to housing... not sure if u wanna meet up or whatsapp to chat further cos i feel we singaporeans (u are 1 i presume?) shud take chances to use housing as part of our retirement plans. I'm not an agent btw...

[kaiq]

My thinking is similar to some here. I still think taking a loan should be the last resort, something which we shouldn't easily consider. HDB is really too ex for cash, even 2nd hand also ex, so no choice. But for bikes, it's possible to pay in full if you don't aim expensive bike and you save up enough. Even easier if you're talking about 2nd hand bikes.

 

End of day, get something that is within your means.

[duo]

Brother said is easy! I saw many wealthy people which I knew is not what you said so easy! Off course if a person know when to cut losses and sell but these people has already over commit!

Is like Singapore we are moving so fast and we can't afford to slow down and leave like the sixty or seventy or eighty or ninety!

 

Sorry are you the one that own a car? Now Sunday free parking or after 5pm free parking is getting lesser and go to certain park in Singapore no more free parking. Parking is going on mins. charges (EPS). I think going outing with family expenses is also high now driving a car!

 

Your earlier comment: at the end of the day, the 5-6K COE is still affordable to many (not all). Its just that we are not used to it.

 

Correct me if I'm wrong, I should said is not "affordable to many" is whether the "price is justifiable" to those having different type of bike!

Precisely.

 

seems we have similar upbringing but different "end result". I also was brought up to pay using only cash. I grew up seeing how others leverage to get a better life for their family so I now leverage where i feel it makes sense. I too never own a new bike (and I own each of them for a long time). In fact, most other things I also will consider 2nd hand as the 1st consideration unless when buying new is the more cost effective option. So most of my hobby stuffs are bought 2nd hand.. homes all bought new cos cheaper (but rented super old place for 5 years). Even my furniture, computers, toys, hifi, bicycles, cars were mostly bought used. But in recent years, more people are opened to buying used items so higher demand/higher resale value making some things to be more cost effective when buying new. Wow now u got me thinking, I can count in 1 hand or maybe 2 how many things above 1K i bought new

 

bro, with regards to housing... not sure if u wanna meet up or whatsapp to chat further cos i feel we singaporeans (u are 1 i presume?) shud take chances to use housing as part of our retirement plans. I'm not an agent btw...

I guess its the same for me. If I were to take up any loans I would want to clear it a.s.a.p. But then again taking up loans would be the last resort. Only had to apply credit card recently due to company insisting that I have one. Reason being to make it easier for claims when I need to attend overseas meetings. Been using cash or NETS all the while.

 

Currently everything I have is fully paid and I am thankful for that. But does not have a fully paid landed property like someone though. Some wealthy people take high risks and some just have good connections.

Edited July 29, 2015 by duo

[kzone]

Precisely.

 

I guess its the same for me. If I were to take up any loans I would want to clear it a.s.a.p. But then again taking up loans would be the last resort. Only had to apply credit card recently due to company insisting that I have one. Reason being to make it easier for claims when I need to attend overseas meetings. Been using cash or NETS all the while. Currently everything I have is fully paid and I am thankful for that. But does not have a fully paid landed property like someone though.

 

 

Its cheaper to pay for petrol, groceries, dining, online shopping and many more thru credit card. Its a personcal choice of cos if u prefer to pay cash/nets for whatever reasons.

 

I stretch my loans during periods of low interests, try to pay up more durin high interest periods.

[hachi]

seems we have similar upbringing but different "end result". I also was brought up to pay using only cash. I grew up seeing how others leverage to get a better life for their family so I now leverage where i feel it makes sense. I too never own a new bike (and I own each of them for a long time). In fact, most other things I also will consider 2nd hand as the 1st consideration unless when buying new is the more cost effective option. So most of my hobby stuffs are bought 2nd hand.. homes all bought new cos cheaper (but rented super old place for 5 years). Even my furniture, computers, toys, hifi, bicycles, cars were mostly bought used. But in recent years, more people are opened to buying used items so higher demand/higher resale value making some things to be more cost effective when buying new. Wow now u got me thinking, I can count in 1 hand or maybe 2 how many things above 1K i bought new

 

bro, with regards to housing... not sure if u wanna meet up or whatsapp to chat further cos i feel we singaporeans (u are 1 i presume?) shud take chances to use housing as part of our retirement plans. I'm not an agent btw...

 

Housing is another story, yes I believe in using it as a tool for retirement, that's why the first one we should get the cheaper one as you dont over leverage much and ride on the capital appreciate before getting another bigger one. You can also use it to time the market rather get a super location and super loan where you need to service for the next 20-30 years.

To me space is more important, people commented to me, how your family able to commute, I mean Yishun is not that lousy right? I mean just a feeder bus to interchange and I dont go to city often. So to stay beside MRT and commit another 2-300k of loan.

 

I think my lifestyle should be similar as yours, as most of my hobbies were also brought 2nd hand, like my PS2,3, my AT mountain bike which I believe is value for money if I get them 2nd hand. My wife couldn't understand why i spend so much on bicycle, I told her it would have cost 2-3 times more if I have gotten new one.

 

My currently housing installment is always based on my 2k plus pay which was the pay I used to purchase my HDB in 2010. Not based on dual incomes. I believe if one day when your are in 40s or 50s you got retrenched double incomes also means double troubles. I also seen it those who brought in HDB 1997 had to pass on to the next generation to repay the loan which happened to one of my frd. Live within your own means, if you got 2k lifestyle and earn 4k, no problem. If you have a 4k lifestyle and earn 2k, just hope for the best and place your bet in Singapore pools.

 

My lifestyle still maintained at 2k even after so many years and can save up to XX% of my income. Of course, current COE is the same time, when COE is all time high, all will rush in commit as they fear it will only go higher.

Those who enter the market in 2009 to 2014 to buy a house, ask them now, would you pay 20-100k of COV now? Why not since you do it few years ago?

Sometimes we cannot time mr market, but I believe if you have time just hold onto it and get a cheaper alternative. It is never a good thing to borrow too much for somethings that depreciate.

Edited July 29, 2015 by hachi

[hachi]

Precisely.

 

I guess its the same for me. If I were to take up any loans I would want to clear it a.s.a.p. But then again taking up loans would be the last resort. Only had to apply credit card recently due to company insisting that I have one. Reason being to make it easier for claims when I need to attend overseas meetings. Been using cash or NETS all the while.

 

Currently everything I have is fully paid and I am thankful for that. But does not have a fully paid landed property like someone though. Some wealthy people take high risks and some just have good connections.

I also used credit cards to make of petrol discount and etc and clear them every month without fail.

I have no problem in full cashing my currently house but based on whatever is not liquid is not mine, I got to clear it using CPF.

[kzone]

Housing is another story, yes I believe in using it as a tool for retirement, that's why the first one we should get the cheaper one as you dont over leverage much and ride on the capital appreciate before getting another bigger one. You can also use it to time the market rather get a super location and super loan where you need to service for the next 20-30 years.

To me space is more important, people commented to me, how your family able to commute, I mean Yishun is not that lousy right? I mean just a feeder bus to interchange and I dont go to city often. So to stay beside MRT and commit another 2-300k of loan.

 

I think my lifestyle should be similar as yours, as most of my hobbies were also brought 2nd hand, like my PS2,3, my AT mountain bike which I believe is value for money if I get them 2nd hand. My wife couldn't understand why i spend so much on bicycle, I told her it would have cost 2-3 times more if I have gotten new one.

 

My currently housing installment is always based on my 2k plus pay which was the pay I used to purchase my HDB in 2010. Not based on dual incomes. I believe if one day when your are in 40s or 50s you got retrenched double incomes also means double troubles. I also seen it those who brought in HDB 1997 had to pass on to the next generation to repay the loan which happened to one of my frd. Live within your own means, if you got 2k lifestyle and earn 4k, no problem. If you have a 4k lifestyle and earn 2k, just hope for the best and place your bet in Singapore pools.

 

My lifestyle still maintained at 2k even after so many years and can save up to XX% of my income. Of course, current COE is the same time, when COE is all time high, all will rush in commit as they fear it will only go higher.

Those who enter the market in 2009 to 2014 to buy a house, ask them now, would you pay 20-100k of COV now? Why not since you do it few years ago?

Sometimes we cannot time mr market, but I believe if you have time just hold onto it and get a cheaper alternative. It is never a good thing to borrow too much for somethings that depreciate.

 

wah bro... can share what's ur 2k lifesyle? how you maintain especially if last time 2K no kids now with kids also u maintain 2k lifetsyle even though u earn much more?

 

I dont understand the part about passisng on to the next generation to pay. When you pass on, doesnt the hdb insurance cover (i think its calls DPS) so effectively the flat is suddenly fully paid? Or ur fren didnt take that up. I thought that's a compulsory cover for hdb

[xjr1250]

that's what loan is for. Otherwise, how can most of us afford to live life? No home, no car, no bike, no renovation, no big screen tv, pay income tax also I pay via installment haha not to mention insurance, mobile phones..

 

We have landed ourselves in a very sad situation now. Bikers kill bikers, why? Let me explain..

 

Loans are only good if one practise financial prudency so it is a good gearing. But is it happening to bikers? No..how many times have we seen bikers buy bikes with low down payment, high loan, long service period of installment? Plenty? With big mean machines somemore!

 

When we have fellow bikers commented that paying $xxx amount per month for xx yrs is ok for a bike that should not even command at that insane kinda price, do we think coe will come down? Definitely not!

 

For these bikers, who cares about high coe?! Take the bike out first, think about affordability later!

 

I say, slap TDSR or whatever high down payment for new bikes, peg to max 5 yrs installment, see how these marginal buyers can still buy? Why coe dun come down? Cos there is still ready hot demand with limited supply! This will be a much fairer system. If dun even have $ for a down payment for s small kup, then really should not buy for the good of it.

 

Who bid high coe? Dun day we also know. Especially some bike shops into lease businesses, will bid high cos the bikes they registered are to rent out and they register alot at one go, so they are the ones to drive up the price. Never mind, it is a business decision and can cover back. We, cover back from where?

 

Coe once bidded can keep for 6 months so if one dun buy new, who will panic when the 6 months period is up? Bike shops bid coe to keep so that they could deliver with their ready stock within days.

 

We get petition from bike clubs asking bikers to stand united. Possible? Definitely not!

[hachi]

wah bro... can share what's ur 2k lifesyle? how you maintain especially if last time 2K no kids now with kids also u maintain 2k lifetsyle even though u earn much more?

 

I dont understand the part about passisng on to the next generation to pay. When you pass on, doesnt the hdb insurance cover (i think its calls DPS) so effectively the flat is suddenly fully paid? Or ur fren didnt take that up. I thought that's a compulsory cover for hdb

 

When you are unable to pay due to decrease income or loss of job and risk of homeless after you have committed a large loan 2 decades ago, who should pay for you then? Your frds or your kids?

Edited July 29, 2015 by hachi

[hachi]

wah bro... can share what's ur 2k lifesyle? how you maintain especially if last time 2K no kids now with kids also u maintain 2k lifetsyle even though u earn much more?

 

I dont understand the part about passisng on to the next generation to pay. When you pass on, doesnt the hdb insurance cover (i think its calls DPS) so effectively the flat is suddenly fully paid? Or ur fren didnt take that up. I thought that's a compulsory cover for hdb

 

When you are unable to pay due to decrease income or loss of job and risk of homeless after you have committed a large loan 2 decade ago, who should pay for you then?

 

2k lifestyle with no loan except HDB.

 

Kids education $200 as they are in playgroup and kindergarten.

Housing bills which include internet,electricity and etc $300

Wife allowance $300 (wife not working)

Marketing $500

Petrol and parking $300

Around $400 for my breakfast and lunch.

Maybe that month feel a little more rich $500 for others (clothes,entertainment and etc) bonus then spend a bit more for holidays.

 

Medical insurances per year for whole family $800

[kzone]

When you are unable to pay due to decrease income or loss of job and risk of homeless after you have committed a large loan 2 decades ago, who should pay for you then?

 

downgrade?

[hachi]

downgrade?

Is not an option anymore as the household comprises of 2 families, as HDB as send reminders for the past 2 years.

If you sell at a loss and purchase another expensive smaller HDB, paying the current one make more sense.

[xjr1250]

what is justifiable is objective. To me, I was half hoping that both car & bike COE supply be reduced by 50% so that our roads will be smooth n I can justify buying a harley to cruise down PIE/CTE/KPE/AYE/ECP to n from work during peak periods daily. My justification is that our land is limited and slow traffic is unproductive. In such a small country public transport should be sufficient enough to cater for 90% of all travels. I sincerely believe we will get there in 10 year.

 

The statement of cruising with my harley during peak period is a selfish and self-centred I feel. Sorry if my honest comment offend. I do agree that jams are not productive especially for peak periods. But that statement already got its objectives and meaning all mixed up. That statement only reflects one's lifestyles and is contradicting. Cruising during peak period? Sound very elitism thou.

 

Motorcycles are the very basic form of personal transportation. Be it a 5k or 50k machine, there is no luxuries on protection and elements of weather, perhaps self-enjoyment, satisfaction or status for that 50k machine, else they perform the very same function, 2 wheels that move and bring people to places. Bikes contributing to jams? Unless everyone rides a GoldWing apply. I always have this belief, our roads are like a glass bottle, vehicles with 2 or more axles are pebbles, bikes are sand. Do bikes add up like pebbles? Not really, they fill up the gaps in reality especially in cities like ours. Before we know it, they are gone.

 

It is sad indeed that it has gone down to such level or route where one only aims for self benefits and forget about the greater good. Even telling someone to take public transport can sound that belittling.

 

So why being here or in this thread in the first place if one is not constructive is discussing the fate of another fellow biker due to insane coe?

[kzone]

Is not an option anymore as the household comprises of 2 families, as HDB as send reminders for the past 2 years.

If you sell at a loss and purchase another expensive smaller HDB, paying the current one make more sense.

 

if its a temporary loss of income maybe batter to continue.. but if permanent? I dont know how much ur friend bough his house or what sz house but there are sub 300K 3 bedroom hdb flats around. U mean they cant even afford to downgrade to that now?

 

wah bro.. respect u can keep ur spending so low.. my family monthly insurance alredy $600 MONTHLY and 1 kid childcare alredy $600 after subsidy but my wife working so I "save" on the wife allowance haha

[kzone]

what is justifiable is objective. To me, I was half hoping that both car & bike COE supply be reduced by 50% so that our roads will be smooth n I can justify buying a harley to cruise down PIE/CTE/KPE/AYE/ECP to n from work during peak periods daily. My justification is that our land is limited and slow traffic is unproductive. In such a small country public transport should be sufficient enough to cater for 90% of all travels. I sincerely believe we will get there in 10 year.

 

The statement of cruising with my harley during peak period is a selfish and self-centred I feel. Sorry if my honest comment offend. I do agree that jams are not productive especially for peak periods. But that statement already got its objectives and meaning all mixed up. That statement only reflects one's lifestyles and is contradicting. Cruising during peak period? Sound very elitism thou.

 

Motorcycles are the very basic form of personal transportation. Be it a 5k or 50k machine, there is no luxuries on protection and elements of weather, perhaps self-enjoyment, satisfaction or status for that 50k machine, else they perform the very same function, 2 wheels that move and bring people to places. Bikes contributing to jams? Unless everyone rides a GoldWing apply. I always have this belief, our roads are like a glass bottle, vehicles with 2 or more axles are pebbles, bikes are sand. Do bikes add up like pebbles? Not really, they fill up the gaps in reality especially in cities like ours. Before we know it, they are gone.

 

It is sad indeed that it has gone down to such level or route where one only aims for self benefits and forget about the greater good. Even telling someone to take public transport can sound that belittling.

 

So why being here or in this thread in the first place if one is not constructive is discussing the fate of another fellow biker due to insane coe?

 

bro, dont kid urself that a 50K machine is basic form of transport, that's elitism. basic form of transport is Bus, MRT, Walk. I dont even consider my used bike I bought at $1400 a basic form of transport. Even at $1400, its cheaper to take public transport after considering the petrol, erp, parking, insurance, road tax and maintenance, excluding major repairs.

 

bro, yes very selfish statement I agree, totally not offended. If that really happens maybe bike COE will be 5 digit... now, after thinking about this I really hope this will come true one day ALONG WITH a good public transportation system that can cover 90% of all travels or more. That way, we will get less young hot blooded youths off the bike which is very dangerous.

 

greater good is public transport. WE bikers are generally selfish people who value time n fun more than our safety and the subsequent impact to our families if anything happen to us.

[Angry]

My thinking is similar to some here. I still think taking a loan should be the last resort, something which we shouldn't easily consider. HDB is really too ex for cash, even 2nd hand also ex, so no choice. But for bikes, it's possible to pay in full if you don't aim expensive bike and you save up enough. Even easier if you're talking about 2nd hand bikes.

 

End of day, get something that is within your means.

 

Can we pay full cash for new bike ? if pay full cash the bike price more expensive ?

 

I know pay full cash for new car is more ex.

[xjr1250]

bro, dont kid urself that a 50K machine is basic form of transport, that's elitism. basic form of transport is Bus, MRT, Walk. I dont even consider my used bike I bought at $1400 a basic form of transport. Even at $1400, its cheaper to take public transport after considering the petrol, erp, parking, insurance, road tax and maintenance, excluding major repairs.

 

bro, yes very selfish statement I agree, totally not offended. If that really happens maybe bike COE will be 5 digit... now, after thinking about this I really hope this will come true one day ALONG WITH a good public transportation system that can cover 90% of all travels or more. That way, we will get less young hot blooded youths off the bike which is very dangerous.

 

greater good is public transport. WE bikers are generally selfish people who value time n fun more than our safety and the subsequent impact to our families if anything happen to us.

 

I think what i said earlier is right, you got all things mixed up. Read carefully, I meant motorcycle is the most basic form of PERSONAL transport. This BASIC form of PERSONAL transport so much so that it has become a rich man's stuff like your "harley". I m stressing the funstionality between a basic motorcycle & a highend motorcycle, so why should small practical motorcycle be victimised? Lets not compare with public transport please, and please dun forecast future here with your noble visions, let look at things in perspective now. Job loss due to high coe. If you are selfish, admit it yourself, dun drag the rest of bikers down with you. Riding itself is already dangerous so you are contradicting yourself again with your statement again. You tell ppl that greater good is public transport and riding is dangerous and you urself is riding and discussing topics like this? If you wanna get hot blooded ppl off, cuting coe is not the way. Educatiing does. It seems you have no contructive ideas and ur solutions are none other than just increase price til ppl cant afford so that it is safer for them to go public while you enjoy your cruise on your harley during peak period.

 

Perhaps the whole economy should stop for you when you are on ur harley cos you admitted bikers are selfish. By then, lets shall see if you can have your harley should our economy stops then.

[kzone]

I think what i said earlier is right, you got all things mixed up. Read carefully, I meant motorcycle is the most basic form of PERSONAL transport. This BASIC form of PERSONAL transport so much so that it has become a rich man's stuff like your "harley". I m stressing the funstionality between a basic motorcycle & a highend motorcycle, so why should small practical motorcycle be victimised? Lets not compare with public transport please, and please dun forecast future here with your noble visions, let look at things in perspective now. Job loss due to high coe. If you are selfish, admit it yourself, dun drag the rest of bikers down with you. Riding itself is already dangerous so you are contradicting yourself again with your statement again. You tell ppl that greater good is public transport and riding is dangerous and you urself is riding and discussing topics like this? If you wanna get hot blooded ppl off, cuting coe is not the way. Educatiing does. It seems you have no contructive ideas and ur solutions are none other than just increase price til ppl cant afford so that it is safer for them to go public while you enjoy your cruise on your harley during peak period.

 

Perhaps the whole economy should stop for you when you are on ur harley cos you admitted bikers are selfish. By then, lets shall see if you can have your harley should our economy stops then.

 

Yes I am selfish. We can continue to argue on the rest but dont think we can get any positives out of it so I'll stop.

[xjr1250]

Yes I am selfish. We can continue to argue on the rest but dont think we can get any positives out of it so I'll stop.

 

1st, i m not arguing but stressing my stand.

 

2nd, you are not here to discuss constructively.

 

3rd, you are only here to express your views full of elitism but all are empty talk. No solution only tell people to do this that.

 

4th, you talk about how nice the future will be but not the present problem being face on the ground. Say how nice a painting will be in front of a sheet of paper with nothing on it. Tell you to draw or even outline, you say pencil not sharp.

 

5th, if what u claim public transport is for the greater good, then y are u riding yourself and not switching to public but living your harley dream? Not leading by example? Why not give up your bike since going public is cheaper.

 

6th, you mislead readers here with your loan theory and this is not constructive hence i feel the need to set things right here.

 

7th, We certainly do not need people like you here to increase prices unnecessarily with your theories, especially when you are one who does not do what you preach with your $1,400 phantom which is your fun and time.

 

So only you value and only you know what is fun and time? Only your time is precious with your phantom, others go public. Failed miserably between needs and wants. If you have nothing constructive, keeping quiet is a virtue too. Be careful of what you asked for, it can bite you back. Empty vessel makes the most noise.

[kzone]

Can we pay full cash for new bike ? if pay full cash the bike price more expensive ?

 

I know pay full cash for new car is more ex.

 

Yeah pay full usually more expensive cos many dealers give "discount" if take their in house loan

[filtered]

Depends on the dealership....my previous bike, had few k discount when i paid full cash. Current bike, dealership wanted 3% surcharge on machine price if pay full cash. So had to take their min 2 yr loan to qualify for their discount package.

 

all depends on negotiation