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Welcome To The World Of “Upside Down” Motorcycle Loans!
By Jay Fran
With the depreciation on motorcycles being so enormous after they are driven off the showroom floor, the potential for a buyer owing more on their loan than the bike is worth it quite high. Owing more on your bike than it is worth is often referred to as the world of “up side down”.

Many people finding themselves in this situation discover that financial lessons are sometimes the hardest and most expensive to learn. Motorcycle loans of more than 48 months (especially without a down payment) put you in the position of owing more than the value of the bike.

Let’s take a look at this phenomenon.

First, the interest calculation your lender uses can make a big difference in your situation, especially in the first 18 months. There are two primary interest calculations, pre-computed (combined with rule of 78) and simple interest.

Pre-computed interest combined with Rule of 78, is typically the worst situation for a buyer because most of the interest is paid in the first 24 months. Therefore, in the first 24 months little of the monthly payment has gone towards paying down principal. If a buyer wishes to sell or trade in the within this timeframe they will likely find themselves owing more

Richard Brunstrom to go next year
Controversial chief constable Richard Brunstrom has announced his intention to retire by Christmas next year. The head of North Wales Police, who has publicly attacked motorcyclists in his online blog and showed pictures of a decapitated rider at a press... <div class='nifad'><a href="http://www.pheedo.com/click.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301712990"><img src="http://www.pheedo.com/img.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301712990" border="0"/></a></div>
BMW team up with Garmin to create motorcycle-specific sat-nav
BMW has teamed up with satellite navigation firm Garmin to create a bike-specific sat-nav unit. Shop for GPS systems The Zumo is the successor to BMW?s Navigator III, and features full European maps, Bluetooth to enable you to hear directions... <div class='nifad'><a href="http://www.pheedo.com/click.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301712989"><img src="http://www.pheedo.com/img.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301712989" border="0"/></a></div>

We strive to provide only quality articles, so if there is a specific topic related to motorcycle that you would like us to cover, please contact us at any time.

And again, thank you to those contributing daily to our motorcycle trailer rental website.

• 4 Wheel Parts Santa Rosa & Santa Ana, California Stores Offer Huge Discounts & Savings in March
  To give back to their loyal customers, 4 Wheel Parts stores in Santa Rosa and Santa Ana, California will be offering special promotions throughout the month of March. The savings will be applied to the physical stores only, not their e-commerce websites. (PRWeb Mar 11, 2010)

  Read the full story at http://www.prweb.com/releases/santa-ana/santa-rosa/prweb3705774.htm

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• Mailing List 50 Adds Automobile Owners Mailing List with Over 70,000,000 records
  Mailing List 50 now has 26 separate mailing lists available on their site. The recently added automobile database is listed on their website under specialty lists and should be popular amongst those in the automotive industry. The file contains addresses and phone numbers on car, truck and motorcycle owners throughout the U.S. (PRWeb Mar 11, 2010)

  Read the full story at http://www.prweb.com/releases/mailing/lists/prweb3708784.htm

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