Does it make a difference if you have a co-signer on a credit application that is unemployed at the time?? Even though they may have excellent credit?? My wife is not working right now but has great credit and we are motorcycle shopping. I didn't know if it was even worth putting her on the application or not.

 

A motorcycle huh?

Generally it will help, but it will probably be 'weighed' far less than it ordinarily would have had she been employed. as you know, the whole idea of a co-signer is to spread the risk a bit and make them responsible if you don't pay.

However, the lending environment is really good these days, and it really depends upon the creditor. some may weigh it as close to nothing, whereas some might give her 'full' weight due to her excellent credit, and everything in between.

iMO, get a copy of your credit report from each of the three bureaus online (equifax, experian, and transunion), WITH each bureau's credit score for you. know your score, THEN, even before you fill out a credit app., tell whomever what your score is, and see if you should even bother, if they tell you 'no', then tell them your wife has great credit (get her scores too) but isn't employed. usually they'll have some idea of just how flexible the creditors they deal with are. As a side benefit, this will generally keep 'inquiries' off your reports if the dealership is upfront and tells you they don't think it'll fly, thus, they don't run an 'offical' credit app.



(btw, i'm a 'financial analyst' )

 

You don't say . . .

 

Holy triple post Forumman! To the Beancounter cave!!!

On an unrelated note, Beany - I've been drooling over the ZX12R since you mentioned it.

 

Sometimes the forum just 'hangs' for an inordinate amount of time.... i mean c'mon, when the 5 minute mark rolls by, you get paranoid you're going to lose whatever you wrote, so, better safe than sorry I guess... apologies to the admins, but I don't have the ability to delete my own posts either...

In any event...

A sportbike fit for a KING!



There must be a ton of sportbiker gangs in Detroit too...

btw, did you watch requiem for a dream yet?

 

No, I don't, but it did. So what was I to do when it did what it did for the reasons it did, whereas it did not simply do what it set up to do? So, that's what I did when it did what it did, and as a result, you did what you did because of what it did to.

In the end, Bo didn't know diddly did he?

 

would you have to run yourself off the road then?

 

No. By some odd twist of fate, I'd be in Detroit, driving my F150, when I see a crazed biker coming up hard in my rear-view, and "forces" me to signal into his lane....

 

What a delema... I'd have to drive myself into the median.

Hey beany, when you post & it hangs like that, copy your text to the clipboard, then click on the Thread title at the top. Odds are your post took, but your browser is getting hung. Since the site is in PHP and all the processing takes place on the server, once you click on the 'submit reply' the server does it... but then that little hiccup makes you think it didn't. 99% of the time your post is there, but I copy my post just in case its that 1%. I hate retyping.

Anywho, what about the K1200 from BMW? I understand that is a mean machine. I think I can hook up with a gang pretty easily 'round here. Although... I'm sure I took a swerve at most of them at one point or another...

 

THAT !!!! is a psycho riceburner indeed WOW !!!!
Good luck with that thing, and try to keep it under 150 will ya,
OH and wear a helmet too !!!!!!!!!!!!! geeeezzzz

 

Well, if you start crossing the line into "sport-touring", your possibilities open up significantly. K1200 is a mean machine, it all depends, obviously, on what you want out of motorcycling.



OR, here's much cheaper bike, also considered a "sport-tourer" that, quite frankly, I enjoy, and have ridden:

it has an undertail exhaust and single sided swing arm, IMO, more bling than the k1200, costs faaaaaaaaaar less, and you can intermingle with the sportbike crowd in Detroit. Plus, it will accomodate your "build"...

 

you ain't seen nothin' yet...

THIS is/was the hot bike for 2004.. the new Kawi 10R... 142+ hp at the rear wheel... lighter than a 600 cc bike, pure wheelie machine...

be the first in your neighborhood to blow the doors off a Ferrari for about 10K.... oh, and as an added benefit, when you turn it on, the fuel system kicks in, it makes this cool turbo-like: zzzweeeeeeeee noise...

 

Hmmm... well, should I decide to ever get into bikes, I'm looking for a comfortable bike that looks hot stock (which they all do, really). I would never plan on mods, since I have no desire to surpass the 200MPH barrier on two measly wheels. Nor do I wish to have a ludicrously loud bike. If any mods are done, it would be to quiet the fart pipe down to a normal, throaty tone. I'd also require ABS.

So, what does the good beany suggest? I'm not that worried about cost, thus the inquiry about the bimmer bike. I hear great things about the engineering and safety of the bimmers....