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Thread: payment plan

  1. #1
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    payment plan

    Anyone know of a shop/website that does payment plans for frames?
    I am dying to get a NJS Panasonic frame but I only make $600 a month (Portland has a really good job market) so I wanna find a way to make payments.

    Initially I thought I'd never see myself paying so much for a frame but:

    a) my bike is my car
    b) i use my bike for work
    c) riding is my number 1 hobby
    d) panasonics are off the ****ing hook
    e) since work is so slow i am staying on a friend's couch rent-free until i can find a second part-time job or a new full-time job. the time to strike is now.

    Also, if a 53 pake fits perfect, what size should I go for with something NJS?

    Thanks

  2. #2
    Oscillation overthruster Dr. Banzai's Avatar
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    Champagne taste, beer budget.

    $3.75 an hour isn't NJS territory. It's hiding in the bushes with a bolt cutter territory. No one will finance you. Time for a second (or better) job and no PBR.

  3. #3
    Senior Member bleedingapple's Avatar
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    Quote Originally Posted by erpdat View Post
    Anyone know of a shop/website that does payment plans for frames?
    I am dying to get a NJS Panasonic frame but I only make $600 a month (Portland has a really good job market) so I wanna find a way to make payments.

    Initially I thought I'd never see myself paying so much for a frame but:

    a) my bike is my car
    b) i use my bike for work
    c) riding is my number 1 hobby
    d) panasonics are off the ****ing hook
    e) since work is so slow i am staying on a friend's couch rent-free until i can find a second part-time job or a new full-time job. the time to strike is now.

    Also, if a 53 pake fits perfect, what size should I go for with something NJS?

    Thanks
    If you needed a car for work would you buy a Porche to do pizza deliveries? If you loved cars and have the income of a pizza delivery person would you buy a Porche as a project car? Yes those Panasonics are some sweet **** but not to sound old and parent like but your living on a couch and need another job, is buying a NJS Panasonic that important? Dont get me wrong, I still spend money in bad places *cough* beer *cough*, so Im not criticizing just putting this all out there...

    Maybe in the future when bikes one the road out number cars we may see bike financing along with really sweet commercials like the car ones... But right now no, though you might find an LBS that may let you drop money off towards something in the shop. I got my first road bike that way...
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    when maneuvering at speed they feel just like your typical road bike on a country road.
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    "Hey, a fixie!!"
    "tzzzzzzzzzzz...."
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  4. #4
    Senior Member alexgate's Avatar
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    You really do not want a bike you can not afford to replace.

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    You should never go into debt. Period. Clearly, you are down now but you'll rebound. But, if you are in debt you'll never rebound. You'll just spiral down. You'll have nice things soon enough. Don't worry. Just hang in there and never, never, never go into debt. Not for a car, not for a house, not for a diamond. Pay cash. Save until you have it and then it's yours. You won't owe anyone anything. If it's health related - you need an operation - then go into debt. But, that's the only time. Never own a credit card. You do not need it. No credit is just fine. I'm dead serious.

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    Pake will do you just fine.

  7. #7
    * adriano's Avatar
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    dont.

    panasonics are not even close to worth that trouble.

  8. #8
    Nü-Fred ichitz's Avatar
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    i'ld take oldfixguy's advice on never going into debt esp when u have a choice/alternative.
    and i thought the panasonics these days aren't what it used to be?
    Quote Originally Posted by dsh View Post
    Quote Originally Posted by fixedgear80 View Post
    once you go fixed.....
    ...you generally go back in like a year.
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  9. #9
    Kilo TT EssEllSee's Avatar
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    Quote Originally Posted by alexgate View Post
    You really do not want a bike you can not afford to replace.
    Some solid advice, shouldnt you worry about finding a more reliable source of income before splurging all your earnings on a frame?

  10. #10
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    High interest credit cart IMO.
    Quote Originally Posted by Santaria View Post
    because physics has more street cred than tarckstars.

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    To the OP, I would suggest finding a better job to suit your expensive tastes my friend.

    a 600.00 a month salary will not cut it for a frame of that caliber.

    Stepping into the realm of NJS with a 600.00/month salaray is not a good idea actually.

    There are comparable bikes that are much cheaper....

  12. #12
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    If my friend was couch surfing rent free at my place and then did some stupid jackass **** like buying a NJS frame just so they could tarck out, I would throw their ass out. That being said, were I you, either take ianjk's advice and get a high interest credit card or start turning tricks on craigslist.

  13. #13
    Kilo TT EssEllSee's Avatar
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    Quote Originally Posted by gusmore View Post
    If my friend was couch surfing rent free at my place and then did some stupid jackass **** like buying a NJS frame just so they could tarck out, I would throw their ass out. That being said, were I you, either take ianjk's advice and get a high interest credit card or start turning tricks on craigslist.
    Agreed.

  14. #14
    dsh
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    Finance it yourself.

    Start making monthly payments into a shoebox. If you can afford to pay $100 a month, you'll have yourself an awesome new NJS frame in 9 or 10 months.


    Don't forget that you're gonna need components to go on that fine new frame, which will at least double the total build cost.

  15. #15
    Senior Member NinetiesKid's Avatar
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    Wait until you have a better job. If you can't save up the money to buy & build one in a reasonable amount of time, I doubt you'll want to finance a bike for that long.

    My old roommate is still paying off a dell desktop he bought more than 5 years ago. He didn't want to wait to buy it, and now he will have paid double for it thanks to interest and making the good ol' minimum payment.
    Quote Originally Posted by psyclistic View Post

    I'm going to be spending an exorbitant amount of money on electronics for this bike.

  16. #16
    THE STUFFED Leukybear's Avatar
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    Why would you commute on a NJS bike? And risk getting it damaged or stolen? And wouldn't it even suck more when you still have to pay it off when it does?

    Quote Originally Posted by adriano View Post
    dont.

    panasonics are not even close to worth that trouble.
    + 1 the most common/ easiest to find njs bike....

  17. #17
    dsh
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    Quote Originally Posted by NinetiesKid View Post
    My old roommate is still paying off a dell desktop he bought more than 5 years ago.
    ouch

    I can't imagine anything less worth it to be paying off than a 5 year old Dell.

    At least an awesome bike will last you a few decades and still be as useful 5 years from now. A Dell...
    Again, ouch.

  18. #18
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    Quote Originally Posted by gusmore View Post
    If my friend was couch surfing rent free at my place and then did some stupid jackass **** like buying a NJS frame just so they could tarck out, I would throw their ass out. That being said, were I you, either take ianjk's advice and get a high interest credit card or start turning tricks on craigslist.
    +1

    Ride your Pake. Be happy. "Things" are just "things." You won't be any faster/comfier/cooler with an NJS Panasonic frame.

  19. #19
    Senior Member NinetiesKid's Avatar
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    Quote Originally Posted by dsh View Post
    ouch

    I can't imagine anything less worth it to be paying off than a 5 year old Dell.

    At least an awesome bike will last you a few decades and still be as useful 5 years from now. A Dell...
    Again, ouch.
    I make fun of him pretty consistently for it. I was actually using the tower to play TF2 about a year ago while I built my PC. And he still uses the 21" CRT alongside his 22" LCD. Pretty funny looking set up. It looks very developing world.
    Quote Originally Posted by psyclistic View Post

    I'm going to be spending an exorbitant amount of money on electronics for this bike.

  20. #20
    Nü-Fred ichitz's Avatar
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    Quote Originally Posted by NinetiesKid View Post
    I make fun of him pretty consistently for it. I was actually using the tower to play TF2 about a year ago while I built my PC. And he still uses the 21" CRT alongside his 22" LCD. Pretty funny looking set up. It looks very developing world.
    thread derail for a sec~ TF2 is one of the best first person shooters EVER. If only i had a nickel for every minute i spent on TF2, I'ld have a NJS fleet (not that i would want a fleet)
    Quote Originally Posted by dsh View Post
    Quote Originally Posted by fixedgear80 View Post
    once you go fixed.....
    ...you generally go back in like a year.
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  21. #21
    Senior Member NinetiesKid's Avatar
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    Quote Originally Posted by ichitz View Post
    thread derail for a sec~ TF2 is one of the best first person shooters EVER. If only i had a nickel for every minute i spent on TF2, I'ld have a NJS fleet (not that i would want a fleet)
    Agreed. Some of the best times of my life were experienced with me and my roomie playing epic matches while my GF threatened to break up with me from the other room.

    Sigh...the memories
    Quote Originally Posted by psyclistic View Post

    I'm going to be spending an exorbitant amount of money on electronics for this bike.

  22. #22
    Rawr
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    Quote Originally Posted by NinetiesKid View Post
    Agreed. Some of the best times of my life were experienced with me and my roomie playing epic matches while my GF threatened to break up with me from the other room.

    Sigh...the memories
    LOL, I love that. At first girls seem unobtainable, and once you have one they don't want anything else but to spend time with you. Strange creatures. You should of ran in the other room and critted her with the backburner when she wasn't looking.

  23. #23
    dsh
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    Listen here whippersnappers:

    TF2 ain't bad, but Quake2 was the best first person shooter ever.

  24. #24
    Veteran Bastard Scrodzilla's Avatar
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    eprdat - you seem like a very responsible, level-headed individual. It's a good thing your priorities aren't askew like the rest of us.

  25. #25
    dsh
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    Hey Scrod Zilla why don't you cut it out with the off-topic stuff?

    This thread is about multiplayer first person shooter video games.

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