Almost Pulled the Trigger…and May Still Do It

The only local dealer with an FJR1300 is North County House of Motorcycles in Vista. It’s been a few months since I’ve seen one, so after work, I went over to take a look at it.

Black is beautiful.

The seat height on the 2008 A-Model is perfect for me. My legs were splayed a bit wide, but I could flat-foot it firmly. Unlike the C14, or ST1300, the rider pegs don’t get in the way of my legs. I could pick it up off the kickstand just by nudging it with my thigh. It’s really well-balanced, at a stop, and you can lean it pretty far without it trying to fall over.

The sales guy was begging me to run the numbers, of course. I told him that it was pointless, since I couldn’t reach my preferred payment target with the negative equity on the sporty.

When he ran the numbers, I was shocked. Due to my credit, and some of the current Yamaha promotions, he came in with a number well below my target payment. In addition, we haggled over the OTD price, to the point where they cut $2,000 off that, too. For the remaining negative equity, it would be financed at an interest rate 5% less than Harley charges, i.e., what I’m currently paying.

Well, that deal seemed too good to be true, so…I took it.

The salesguy pulled the sleek, black bike out front. Washed it all up. Then we took the walk-around, and completed the familiarization checklist. The salesman gave me the keys to the FJR, and took my Harley keys and security fob. I called Chris at home, told her where I was, and that I’d be coming home on a new FJR. I even took a picture of it on my cell phone.

I was all ready to unload the bags on the sporty, and transfer everything over to the FJR, when the finance girl pointed out that the deal was, in fact, too good to be true. The incentive programs from Yamaha had an upper limit on the financed amount, and the deal we worked out exceeded it, even with my good credit. So, we didn’t actually have a deal.

But, the finance girl did offer one idea. Despite the “official” limits to the incentive programs, she said that, since my credit was solid, and since Yamaha loves to get people to switch over from Harley, she would call Yamaha finance first thing tomorrow, and see if they could do a one-time extension of the incentives to me.

With that, it was time for me to climb on the Sporty and go home.

So, tomorrow, we’ll see what happens.

Author: Dale Franks

Dale Franks is the former host of The Business Day, ”a daily, four-hour business and financial news program on KMNY Radio in Los Angeles. From 2002-2004, he was a contributor on military and international affairs for Currently, he a publisher and editor of the monthly political journal The New Libertarian, as well as an editor of the popular web log, Q and O. Dale served as a military police officer in the United States Air Force from 1984 to 1993, in variety of assignments both in the United States and Europe, where he also was assigned to the staff of the Headquarters of Allied Forces Central Europe. In addition to broadcasting, writing, and speaking on various topics, Dale has also been a long-time technical training instructor on a variety of computer software and technology subjects. Dale has also long been involved with information technology as an accomplished web designer, programmer, and technologist, serving as the corporate knowledge specialist for Microsoft Outlook at SAIC, the nation's largest employee-owned corporation. Additionally, he is the author of a number of software user guides used for classroom training by one of Southern California’'s premier computer training and consulting firms. His book, SLACKERNOMICS: Basic Economics for People Who Find Economics Boring, is available from Barnes & Noble.

5 thoughts on “Almost Pulled the Trigger…and May Still Do It”

  1. Wow, didn’t expect that. Congrats!

    I saw that you made it to the FJR forum. I’ll see you there. I go by Neil San Diego on that board.

  2. wow, I am glad I read your blog before I went out and bought a bike. Seems ou have made every mistake you could have. And in less then 6 months of buying your sporty, you regretted it. Did you not do any research? So here you are trying to get what you should have just bought from the start. You would have saved money and not looked like a total tool.

  3. Wow, “anonymous”. You certainly are an unpleasant little prick, aren’t you? How old are you? Twelve?

    First of all, you idiot, if I’d picked up an FJR last year, I’d probably have killed myself before relearning any of the skills it takes to ride a motorcycle competently.

    I don’t so much regret the Sporty as I outgrew it. When I bought it, it was a good choice for me.

    To answer your question, yes, I did do research. I specifically picked the Sportster for a lot of reasons that still make sense.

    So, I bought a bike that was better suited to being a starter bike. I didn’t think I’d want to move to something else so soon, but that’s how it goes.

    About the only thing I’d change, if I had to do it all over again, would be that I would’ve fronted more cash for the Sportster, so I could get rid of it easier down the road.

    So, you’re about to buy a bike, huh? Is it your very first bike? If so, then I really hope you decide to buy a ZX-14. I’d like that. A lot.


  4. Congratulations on the new Yamaha! I would have to say putting all the expensive accessories on your Sportster was a mistake. I myself have made mistakes. Anyone who reads my post about My First Harley can see that purchase was a mistake, and a huge learning experience.

  5. But, I wanted those accessories. And I got what I wanted.

    I don’t see that as a mistake. I got what I wanted, when I wanted it.

    If I hadn’t been able to get the Yami, then I’d have regretted not getting the accessories I wanted.

    You only go around once, my friend.

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