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Post Birthday and Christmas present...

Road Cycling “It is by riding a bicycle that you learn the contours of a country best, since you have to sweat up the hills and coast down them. Thus you remember them as they actually are, while in a motor car only a high hill impresses you, and you have no such accurate remembrance of country you have driven through as you gain by riding a bicycle.” -- Ernest Hemingway

Post Birthday and Christmas present...

Old 12-27-12, 10:49 AM
  #1  
gundom66
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Post Birthday and Christmas present...

... sort of.

* A quick rundown...

Some of you may remember my dilemma on getting a road bike that's been going on, well as of today, 2 1/2 years. Asked you guys what bike I should get, and I went on and on from one bike to another until deciding on going back to square one which is getting a Trek Madone (or Domane). So the end result of the "old" dilemma? The wife finally said yes on my Birthday, which was 12/12.

* So what happened?

A week before Thanksgiving, I lost my wallet. So I placed a Fraud Alert on my credit report for protection. Come my Birthday, since I took the day off being a "special day", that's when I ask the wife that I'm going to try and apply for a Trek Store Card. And whatever the results will determine if it's meant to be or not. So it was the best present she had given me since my kids were born. Went to Trek, and talked to my friend(s), mentioned the Fraud Alert, and he said, "Oh! Houston, we have a problem. Our system is automated and any detection on fraud will trigger a letter within 7 to 10 days." So he tried calling the bank and I even spoke to the processor about the alert. She said that she will have to do the same process as the stores and MAY have the same results. So a few keystrokes later, there it was...

To make the drama short, I got the letter from the Credit Protection Team on Christmas Eve. I didn't bother calling until yesterday, 12/26 and got approved for $4k!!!

* Now what?

I can get my ideal bike! Madone or Domane 5.2... however, I may have to settle for less. I am having a mid-life crisis, but I don't want to take advantage of the situation. Is it a sign for me to get my ideal bike? Or is it more of a test if I should or really need that much of a bike? I can settle for a little less... the 4 Series on either model. The wife will be a little happier since it's cheaper. But if I can get more discount on a 2012 Madone 5.2 from it's current price of $3k, then I will have to take it more than getting the Domane (5.2 or 4.5).

* The new dilemma?

My friends are more excited than I am! I want to get my bike tomorrow, but unsure which one? The cheaper 2012 Madone 4.7 or 2013 Domane 4.5? Or go with either 2012 Madone 5.2, or the 2013, or the Domane 5.2? What do you think are the chances of getting the Domane 5.2 at $3k? Original price at $3,800, Trek sells it for $3,600... =p

Well wish me luck! I've test ridden all of them and it's just a matter of making a wise decision. Belated Happy Birthday and Merry Christmas to me. Also, advance Happy Father's Day, Happy Anniversary, Happy Birthday, and Merry Christmas present FROM the wife... until I turn 50 in 4 years!
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Old 12-27-12, 11:05 AM
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24.99 % APR is crazy!

If you paid $200 per month it's going to take over 24 months and cost you over $1,250 in interest.
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Old 12-27-12, 11:24 AM
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I would suggest waiting on getting a Domane. Here is why.

Carbon fiber has a fatigue life span, like anything else. The seat post on that frame is only attached at one end, on the BB side, and flexes with bumps (and cranking) within a bumper system on the top tube/seat stay of the frame. This repeated flex IS going to cause failure eventually. How long that is has yet to be determined, but it will happen just as the nature of the material.

With that said, I have ridden that frame and was really surprised at how comfortable it felt. I certainly can't fault it from that perspective. I just don't know that I would want to be "beta testing" the life span of my carbon seat tube when it's designed to undergo that manner of flex by design.

Just for perspective, my carbon foot flexes by design and has to be replaced every few years as it starts to de-laminate. My current foot, which I have walked on a great deal, went about three years.
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Old 12-27-12, 11:36 AM
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tl;dr

but...I very strongly recommend never buying toys or discretionary items on time. Save up the money first, then buy it. You'll value and appreciate the item more, and it'll cost you less.
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Old 12-27-12, 11:52 AM
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The rule of thumb I use for luxury items, is if I can't afford to pay the cost to replace it, it is out of my budget.
This means if I buy a $4K bike, I use cash, and can afford to replace it out of pocket as well.
There is no advantage to large $ purchases on credit, to the purchaser at least.

Yes that means I pay cash for my cars, my bikes, etc... If I need to save up, or invest to make $ to use..
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Old 12-27-12, 12:04 PM
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Awesome! You are going to take out a loan (that is what it is, isn't it???) on a bike! How long will you be paying on it and how much is the interest?

But, as long as you are happy

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Old 12-27-12, 12:19 PM
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I'm gonna assume that you're using the card now and will pay it off once you get everything cleared with your bank, which is what people should do with credit cards, especially store cards like this one.

I would talk to the store and see what they can do as far as discounts go. They might be able to help you out quite a bit on the bike price, or they might not be flexible on the bike but can hook you up as far as accessories go. Just ask.
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Old 12-27-12, 12:31 PM
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Guys! The financing part isn't what you all think! It's 12 months 0% financing. I didn't want it to be a SHOCK out of our account (savings or emergency funds) after all the holiday spending. And how my wife and I budget on expensive things is if there is 0% financing for a number of months, and this happens to be one of them through the years. So, the cash is there, but I'd rather have it earn even just a little bit of interest before paying this off before the 12th month is over. We normally pay things off this way 2 months before the expiration. Come October 2013, it's paid off. Or when I get my bonus in March...

As far as using the full credit, that's something that is so very tempting to do, but no. I've decided to finance no more than $3k including tax. So the best I can get is if they deal down on the 2012 5.2 Madone. Or I stick with the 4.7 or 4.5 and finance no more than $2,500 with tax. Pedals, shoes, cages, new road helmet, and maybe the ANT+ and Node are coming out of my wallet.

As far as the life span of that coupler for the Domane, that is the only thing that's making me think twice. Maybe I can just go with the 2012 4.7 and buy the Specialized COBL GOBL-R seat post later on.
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Old 12-27-12, 12:46 PM
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As long as you pay it within 12 mos. Else, the interest for the period kicks in.

Happy belated presents day!
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Old 12-27-12, 02:01 PM
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In that case go with the madone. I almost immediately regretted buying a relaxed geometry bike and sold it within the year.
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Old 12-27-12, 02:09 PM
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awesome that you got the 0% financing deal. I did that once with an apple computer and paid it off within a few months, so it was great. Just remember that if you make a late payment, etc, the interest starts kicking in right from the start. Have fun bike-shopping!
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Old 12-27-12, 06:12 PM
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Guess what? I can get the 2012 Madone 5.2 for $2,700 from a sale price of $3k, or the 2012 4.7 for $2,400 from $2,500, or the new Domane 4.5 for $2,250. Which one? I know it's a no brainer...
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Old 12-27-12, 06:17 PM
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IDK man, for the break on price on that 5.2 I might give that strong consideration. At the same time, it doesn't pass notice that the Domane is equipped almost identically....have fun.
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Old 12-27-12, 06:27 PM
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Well, the 5.2 is my ideal bike. Full Ultegra with internal routing, but with 23 tires, and I want 25 on them. I can just wear out the tires and buy the 25s later on. And I'm going to buy Soul Wheels to put some "soul" on that Madone by next year anyway. The Domane is the comfort choice, though not as comfortable as the 5 Series Domane, and yes you can tell the difference! Also, it is much much cheaper too with the semi Ultegra set-up, 25 tires and a chain catcher to boot! With the price points in place, the 4.7 is out of the pix. It's gonna be one sleepless night! Black and White Domane or the Black on Black Madone...
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Old 12-27-12, 09:41 PM
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Originally Posted by gundom66 View Post
Well, the 5.2 is my ideal bike. Full Ultegra with internal routing, but with 23 tires, and I want 25 on them. I can just wear out the tires and buy the 25s later on. And I'm going to buy Soul Wheels to put some "soul" on that Madone by next year anyway. The Domane is the comfort choice, though not as comfortable as the 5 Series Domane, and yes you can tell the difference! Also, it is much much cheaper too with the semi Ultegra set-up, 25 tires and a chain catcher to boot! With the price points in place, the 4.7 is out of the pix. It's gonna be one sleepless night! Black and White Domane or the Black on Black Madone...
Pretty sure the bike shop will work with you over the tires to sell the bike.
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Old 12-27-12, 09:47 PM
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I'd start with which bike you actually want and go from there. A big discount on a bike you don't actually want isn't really good value, but I'm a little lost with the Madone/Domane question.

Tires shouldn't even come into this equation. Get the shop to swap 'em if they're unused.
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Old 12-27-12, 10:14 PM
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Beaker, the question between the two is there really isn't any. It's just my mind playing tricks on me. Or more of what I really want for myself. The ideal bike I've been wanting all along until the Domane came? Or go with the watered down comfort (4 Series Domane instead of the 5) for a much cheaper price to lessen wife's heart attack? Anyway, I still have to test one thing about the Domane. I just posted at another thread, but the 5 Series in a 56 was a stable ride compared to the 4 that was twitchy. They didn't have the 56 in a 4 when I tested 2 months ago. I am going back tomorrow to test the 56 in a 4 to see if it is stable. If it's stable, then the next test is the 54 with longer stem. If that solves the problem then it's just a matter of Madone or Domane decision. If it doesn't solve it, then the watered down Domane isn't meant to be, but I'm not about to spend over $3k more for the 5. I've already made a decision not to go over $3k with tax. And the 2012 Madone is just under that cap.
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Old 12-27-12, 10:33 PM
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So what I'm not understanding is why, if you've been wanting to get a Madone all this time, you're taking this big detour through the Damone line?
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Old 12-27-12, 11:18 PM
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I told the wife I'm not gonna get the $3k bike. That I was gonna settle for the $2,500 Madone 4.7 (on sale). But you're right... what is $200 more on my ideal bike down from $3,400?
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Old 12-28-12, 09:52 AM
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You just said it's your ideal bike.

Sounds like you've figured out which one you're gonna get.
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Old 12-31-12, 02:11 AM
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So at about 4 pm Pacific Time, I purchased the... (drum roll)...

2012 MADONE 5.2!!! And I got it down to $2,600 with no hesitation from the dealer...

The plan? Once I get the bill, I will be setting up $150/monthly on "bill pay". Then when my bonus comes in March, $1,500 is going to the balance. So in 10 months from now, it's paid off.

I couldn't pass up my ideal bike. And to be honest, it is a little smoother ride and way better handling than the 4 Series Domane. Even though the 5 Series Domane is much smoother than the Madone, it's not by a wide margin. I based it on overall and the Madone just topped it. Overall handling and price tops the slightly smoother ride with a wobbly front. No need to buy it for $3,200 if the only gain is a slightly smoother back.

I know, I know... pix or it never happened. It's in the shop right now since I didn't bring my SUV when I bought it. I may pick it up on Wednesday, but with no pedals. I need to order them tomorrow. Depending on when I get 'em is when I get my final fitting. I was already pre-fitted with my SPD mtb pedals when I went Saturday for the final test rides. So it's just a matter of finalizing it when I get my SPD-SL's. Actually, undecided if I should go Ultegras or Time iClics.

So final summary... 2012 Madone 5.2 BoB in a 54 - and I don't have to lengthen the stem. Or at least not now until a few rides for the final feel. Waiting for pedals (Ultegra or iClic), getting the Bontrager Ant+ and Node 2.1, couple of RL cages, a new Road Helmet (since I have mtb "Wal-mart" brand) - going for Propero 2, and undecided on the road shoes (either the 2013 Bontrager RL's or the Specialized Comp with Boa's - which is better anyway???).

Will post a new pix thread hopefully before the end of January. And don't worry. All the additional stuff are out of pocket.

Last edited by gundom66; 12-31-12 at 02:14 AM.
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Old 12-31-12, 11:33 AM
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2 1/2 years LOL
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