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**AnuragAshok** · 10-22-2009, 11:53 AM

Avoid Debt.

Originally posted by MadMax46 View Post

Hello all,

....is it wise to make downpaymnt of what i have in hand and finance it or jus get r15 with no loan on my head. Please help . Thank you

There are different people giving different opinion here to you. Some of it is informed and some of it is pure guess work. Unless someone has ridden the Ninja (and most of them have not been even close to it) how can they give you advise.

I have a different take to offer.

Both R15 and Ninja are good bikes to own but be sure that they are different classes... 150 CC v/s 250 CC. On the power department too the Ninja pips the R15 by almost 100%. On looks, to each one his own so no comparison there. It is said that beauty is in the eyes of the beholder and I would be cynical to take advise on which of the two looks good! - you decide.

If I were you, my decision making process will be the following:

1. Do I like the R15 - If no, forget it and buy the Ninja, if yes keep it as a candidate.
2. Do I like the Ninja - If no, go for the R15, if yes, keep it as a candidate.

If both are still a candidate, go for the R15 as it is always good to avoid debt, loans etc.. You like both (maybe in a different way) so buy what you can afford easily.

**rachitkohli** · 10-22-2009, 11:57 AM

I would strongly recommend, ride a R15 then you-yourself compare it. As you have vast riding experience on ZMA/R, you are the best person to decide which will suit you related to the factors you expecting. Else directly go for the Ninja. It will be not be just a upgrade, but a revolution in your biking moments. A significant change. Best bike for even daily commuting, touring, zipping off on the highway leaving the dust behind. You 'may' get a feel of a litre or 600cc bike.
About being careful in parking or ground clearance, you should be for any bike. May it be R15, Ninja or ZMR. Every lame guy tend to fiddle with an eye-catching vehicle. so being careful in any case is essential..!

**HydBiker** · 10-22-2009, 11:58 AM

I support Anurag on the Debt thing. Avoid it as much as possible.

BTW, guys, the baby Ninja has more usable power in low RPM's than the R15. It'd feel better for city than the R15 for that reason along with the seating position with is less aggressive than the R15.

Parking problem exists both with Ninja & the R15.

**amardeep2006** · 10-22-2009, 12:52 PM

I will suggest to avoid loans .
If you we avail loan around 1.6 L , the bank will at least recover 2.0 L from you

.... not exact calculation ...
total cost will be around 3.2 L

If you go for R15 you will have 15 K left for petrol

Make exact calculations and then make your decision .

**pulsar_flame** · 10-22-2009, 01:43 PM

if u have enough money go for ninja, or elso R15 yellow ! my choice ninja 250cc.

**motorheadZMA** · 10-22-2009, 01:45 PM

go for the ninja only as a second bike.if you need for day to day purposes then r15 would be my choice since its clearly faster than zmr.btw why aren't you considering p220 dtsi.you ll get best of both zmr and r15 in one bike.

**Binoy** · 10-22-2009, 04:02 PM

As i have only ridden the ZMA and the R15, as for Ninja i hadn't even seen it in flesh...

...

For the remaining ZMR/R15, as u have owned the ZMA, i don't think it's upgrade to an R15(in the power factor) is not that worth it, even though you are not a tourer one can't simply avoid a ZMR as a tourer, its the best bike and i also like to own...

Not complicating u so much... as from your needs you need a performer and you have already 1+ Lakh in hand, if i were you i would go for Ninja, as @Anurag said loan is always a burden unless you don't have the amount for monthly EMI, if this is not a problem for you, jus don't look back... GO GREEN...

...
Everyone can't buy everything with liquid cash in hand...

**Sarvajit** · 10-22-2009, 04:21 PM

Originally posted by Bunny View Post

@Sarvajit : Have u ridden the Ninja? How can u make such assumptions that the bike wont be good for city riding? Do u know the bikes roll on figs for 4/5/6th gear at low speeds? Dont come to a conclusion without riding a bike mate.

Originally posted by HydBiker View Post

BTW, guys, the baby Ninja has more usable power in low RPM's than the R15. It'd feel better for city than the R15 for that reason along with the seating position which is less aggressive than the R15.
Parking problem exists both with Ninja & the R15.

Agreed, but what about overheating&ground clearance issues? My statements are based on the PBK guys inputs who rode it for 20kms.in traffic.

**HydBiker** · 10-22-2009, 05:21 PM

Originally posted by Sarvajit View Post

Agreed, but what about overheating&ground clearance issues? My statements are based on the PBK guys inputs who rode it for 20kms.in traffic.

How many of those PBK guys rode the R15?

For city use the GC of Ninja is adequate. Overheating is not something that really happens in a LC engine. Heat produced by the Ninja in city traffic won't be worse than the R15. Though the R15 has the benefit of DASil cyllinder & lesser fuel burning, the different won't be much.

In fact, when we feel the heat on the R15, it is good. We feel it because the heat is being taken off the engine. Imagine the plight of Air Cooled engines here. May be the Karizma and more so the new ZMR should be boiling their engines. But they don't!!!

**whizzkid_ram** · 10-22-2009, 05:50 PM

Ninja 250 anyday

**Sarvajit** · 10-22-2009, 06:32 PM

Originally posted by HydBiker View Post

How many of those PBK guys rode the R15?

For city use the GC of Ninja is adequate. Overheating is not something that really happens in a LC engine. Heat produced by the Ninja in city traffic won't be worse than the R15. Though the R15 has the benefit of DASil cyllinder & lesser fuel burning, the different won't be much.

In fact, when we feel the heat on the R15, it is good. We feel it because the heat is being taken off the engine. Imagine the plight of Air Cooled engines here. May be the Karizma and more so the new ZMR should be boiling their engines. But they don't!!!

I really donno how the ZMR is gonna react with the full fairing&no coolant.
But this is getting me thinking about the Ninja now.
Anyways if it doesn't heat much to cause discomfort, I guess it can be used just like the R15 in city.
@Thread Starter: If you have the money, go for the Ninja then! I waited for this bike with a similar amount as you have-for 2 years&then finally when it came, I found I had to use my money for something else!

**MadMax46** · 10-23-2009, 05:55 AM

Originally posted by tibby View Post

I agree with Sarvajit & J!Tz..

The Ninja would be impractical for non-touring use, & since you're not keen on another Karizma, the R15 should be the one for you..

PS: How about the new P220! Not on your list eh?

Pulsar 220 is not on my radar.

he hhe he

**MadMax46** · 10-23-2009, 05:57 AM

Originally posted by AnuragAshok View Post

There are different people giving different opinion here to you. Some of it is informed and some of it is pure guess work. Unless someone has ridden the Ninja (and most of them have not been even close to it) how can they give you advise.

I have a different take to offer.

Both R15 and Ninja are good bikes to own but be sure that they are different classes... 150 CC v/s 250 CC. On the power department too the Ninja pips the R15 by almost 100%. On looks, to each one his own so no comparison there. It is said that beauty is in the eyes of the beholder and I would be cynical to take advise on which of the two looks good! - you decide.

If I were you, my decision making process will be the following:

1. Do I like the R15 - If no, forget it and buy the Ninja, if yes keep it as a candidate.
2. Do I like the Ninja - If no, go for the R15, if yes, keep it as a candidate.

If both are still a candidate, go for the R15 as it is always good to avoid debt, loans etc.. You like both (maybe in a different way) so buy what you can afford easily.

In your language, both of them are candidates

. As days are passing by, am dreaming and seeing myself stretching the tar on a Ninja. Oooophhhhh !!

**MadMax46** · 10-23-2009, 06:00 AM

Originally posted by Bunny View Post

@Sarvajit : Have u ridden the Ninja? How can u make such assumptions that the bike wont be good for city riding? Do u know the bikes roll on figs for 4/5/6th gear at low speeds? Dont come to a conclusion without riding a bike mate

If u really dont care about the cash, go for the Ninja. U will not get bored of it fast and the bike can not only handle city traffic but can be a very good companion for high speeds. It looks great, handles like a dream.. in short, it is worth it. My 2 cents

Few members are talking of overheating&ground clearance issues about the Ninja. I believe you have ridden the Ninja, please shed some light. Looking forward to the November issue.

**kaynmantis** · 10-23-2009, 11:55 AM

Hard to advice you as I do not know about your financial status.
So just saying what I would do was I in your position.

My take on the three bikes is, the Ninja is best. I can also afford it without financing, but I still will not go for it. Why? Because I know my financial status and it'll really dampen my wealth.

I currently ride a ZMA-R. A good machine gives immense pleasure, and I have no doubt the Ninja will not dissapoint in that respect. But Ninja is more than three times the price of ZMA. So for me, it'll be foolish to spend most of my savings on pleasure alone. Was I three times as rich, I'll go for the Ninja without hasitation.

So this leaves us with ZMR & R15. Lets assume my current ride is pretty old and need a new one (else I won't be looking for a new one merely to satisfy my desire), I would go for the R15. Not because I think it is a better bike, nor do I consider moving from ZMA to R15 as upgrade. But because I would like to try something different. Besides R15 also meets my requirement and built(physically).

PS: Bike India Nov. Issue has all the ingredient to excite all bike enthusiasts. . Check out the preview November 2009

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