Zorro

Saw this on slickdeals...

http://slickdeals.net/f/7953569-bridgestone-motorcycle-tires-50-rebate

Seems like a great deal.

This is video explaining the noise...

This is the clutch noise i originally heard...

the pivot pin for the clutch actuator lever was starting to seize against the lever and the mounting tabs on the transmission case.  A generous amount of penetrating oil and a dab of anti-seize later, the problem is gone

So, this is on the outside engine, correct?  Right where the clutch cable connects to the clutch housing?

Clutch lever cable adjustment.  Is the clutch lever loose, if so may need adjusted.  This could be a cause, but rough shifting would happen more frequently.

This is the first thing i did when i first noticed the problem.  it seemed to help some.  I'm gonna have to go for another ride and play around with the adjustment.  I adjusted it at the lever.  it was basically all the way screwed in and I gave it about 3 or 4 full rotations.  Noticed the difference when pulling it in right away...however, it didnt completely solve my issue.  Thanks!

If you're having trouble shifting between gears, then you may need a clutch. How hard is neutral to find when the bike is running?

Neutral did seem a lil bit harder to find...missed it a couple times.  Thanks!

put the bike in top gear, then roll the front wheel up to an immovable object.

 

rev a bit, and dump the clutch.  If the bike doesn't stall immediately, replace your clutch.

 

 

 

FWIW, clutch SPRINGS are very inexpensive and easy to swap out.  You usually don't even have to drain oil from the bike if it's on the side-stand.

I'll have to try this..thanks for the info.

So, an entire clutch kit is about 170 (http://www.tobefast.com/Genuine-Yamaha-Clutch-Kit-for-the-Yamaha-R1-04-08.html).%C2'> Not sure what the springs are seperately.  Do you think the springs would fix the issue or just replace everything?

I replace mine when it no longer clutches up in the higher gears. 4th & 5th

Yutugg beioches

Well, riding home from bike night last night I noticed I was having problems shifting in to 5th and 6th gears.  Thannks Midget Todd, I think a clutch replacement is in order at 25k miles.

Could there be another reason why I had problems shifting in to the higher gears? 

Thanks for the input guys.  Like I said, it doesnt slip, just a gargling noise while sitting in neutral.  Kinda sounds a lil like the dry clutch on a ducati but not nearly as bad.

I'll keep riding it until it slips.

Thanks for the  quick responses.  I guess I'll just keep riding until it slips.

how do you know when your clutch needs replaced?  my 2005 R1 clutch seems to make a gargling noise when dis-engaged while the bike is running and sitting in neutral.  When I engage the clutch, the noise stops.  I havent had any slippage or noticed anything odd when shifting gears.

bike is 10 years old, original clutch with like 26k miles on it.

Thanks.

Might wanna fix your ad then.

Fixed.  Thanks!

Automatic transmission?

Negative.

Thank you!

See my CL ad for the details.  Thanks!

http://columbus.craigslist.org/mcy/4825090430.html

If you instead just ignored the market and kept making fixed contributions every month and held your assets, you would have some purchases at each arrow, $100 at yellow that takes a long time to recover, $100 at red that explodes in value.  People that invest with strategy overwhelmingly outperform people who try to time the market.

 

Time the market is impossible.  There are people on wall street who make careers of it.  Us on a riders forum won't do any better over the long run.

So, this is the best advice on this thread.  Good post!

What's the best way to open a Roth IRA? I've spoke with the personal bankers at chase before and that is about all the experience I have on the subject.

Just go to fidelity.com and open one.  It's like creating an account for this forum.  And a roth IRA is a great option for everyone...except the folks who have an adjusted gross income over the max of 116k  per year  (i believe this figure could be wrong).  it's higher for married folks...just saying.

Broad, highly diversified, LOW cost, total-market funds.  Stay the course with regular contributions or dollar-cost averaging and hold til retirement.  It's not sexy, hip, and won't get you rich quick, but it's the only way to go for retirement investment.

 

I own one fund: FFNOX.

Owning one fund doesnt seem to diverse...but that one fund seems diverse.  interesting strategy.

i never agree with maxing a 401k. I prefer to invest only what the company will match(free money), and then put into a Roth and/or other avenues.  This is also for our government employees with deferred comps.  That money looks great until you realize that your pension puts you in a higher bracket and now you're paying a big chunk to access your retirement.  I like a nice whole life added into a plan as well since it will provide liquidity for any emergencies and a nice death benefit incase of the unthinkable... not to mention a lot of companies are now offering LTC access riders to help cover any nursing home stays.  It is quite a big world this investing game, so there are many different routes.  The key is not to be greedy, but also not to be scared.

I'm currently considering whole life.  It's not the most aggressive options for investing but i like how you can borrow against it tax-free.  Most google searches state "dont do whole, do term".  Well i do term for the "just in case i die, i could help out family".  With the whole, I don't look at it as life insurance.  I look at it as an account that i pay to keep (dislike) that I'll cash out before i die.  it's a nice haven for tax free gains.

MC,

Are you saying the 401k choices your employer offers aren't that attractive?

If so, I would talk to HR about adding some better ones.  Also, you may be able to rollover your $$ into a Fidelity 401k.  That way you can invest in just about anything, while taking advantage of 401k pre-tax dollars.

Talking to HR, i'm not sure it's that easy.  it's typically up to the provider.

Another option is to take your 401k and slice a percentage off in to a self-managed brokerage account.  This allows you to buy stocks/bonds/mutual funds of your choice but still have it apart of your 401k.  I did this in 2005 or 06...right before the boom...err i mean BUST

Yeah I mean if you can max it and still have plenty for everything else sure, but in the end, my 401K isn't earning nearly what my other investments are, so no point in putting extra in there vs. other investments that earn 2-3X as much.  I.E. someone I know is putting 25% in their 401K, however employer only matches 3%, has never matched more.  They have no other investments anywhere and essentially are missing out on making a ton more cash elsewhere.  Their choice, but to me that doesn't make sense.

 

I do not make enough anymore after our comms were removed to straight salary to max out 401K and still invest in my kids college, Roth, and everything else I have, I guess that's my point.  Make sure the funds are placed accordingly to maximize return. 

What are these other investments that you're making 2x and 3x more than 401k? 

With 401k, you typically get a match from your employer.  if you take advantage of this match but do no more, you're out of pocket money is gaining a 100% return right off the bat.  Plus, your money is going in to your account TAX FREE so, you're saving ~25% by not getting taxed.  Downside is that you can't touch it until you're 59.5 i think.

What Zorro said, be careful not to over-invest in 401K, over what company will match/vest you in, doing that takes away from capital you can invest other places and easily out earn whatever the nominal earnings are on 401K.  Same idea as Zorro with Roth IRA, max it out, same with 529 for kiddo's.  All tax deductions so makes sense.

 

As for what I actually am into, I do whatever my guy tells me to. 

i'm thinking about getting a guy.  spoke to one...not sure about it at this time.

As for over-investing, the max is 17,500....my company's payroll dept wont let me put more than that in.  if you're saying dont put more in after you're getting the match from work, i disagree.  you can never have enough in 401k.  you can invest in other spots, like you're own brokerage account.  Just know that's post tax dollars you're investing (401k is pre-tax), capital gains are taxed, and you're more likely to blow it before you retire.

Paying extra on a house isn't always a good idea.

 

I paid off my last house early, but I did it when the market was crappy.  At that time the math made sense to pay off the house.

 

I bought a new house last year when mortgages were really low...I won't be paying an extra penny unless the market craps out again.

 

If you bought or refinanced when the rates were low, I would think twice about paying extra on it.  Why pay extra on a 3.5-5% mortgage, when the market is easily returning 15%.   

yeah...i refinanced and i got a good rate.  I agree with what you're saying.  I like adding extra because it's a guaranteed savings of 3.5% each month and i wont spend it or lose it in the market. 

As for returning 15%...that's a high estimate for long term investing.  Sure it's good now...but it also dropped like 50% in 2008.

So, i like to diversify, and adding extra to my mortgage is a different way of saving some money.

Make sure you invest in a Roth IRA.  This is one of the best retirement options out there.  There's a reason why the government caps the contribution limits and why top earners can't invest in one.

1. you can take out your deposits at any time, tax-free, penalty-free.

2. all capital gains on investments are tax-free

3. when you're old enough to withdraw, all withdraws are tax-free.

My strategy is:

1. max out 401k

2. max out Roth IRA

3. pay extra on my house

4. no debt

5. find something else to invest in (still searching...looking for tax free).

500,000 gun related posts

400,000 political posts

100,000 motorcycle related posts

shit.  my search was almost over. looks like im a few days late.  my luck is peachy

had these listed for a quite some time.  good luck in your search!

My parents wouldnt let me get a mini/dirt bike when I was a kid...so this fueled my desire for motorcycles even more.  This desire would lead me to bad decisions...decisions to ride or go for a ride on ANY of my friends' motorcycles at any time. 

So, my buddy had this Honda XR70 maybe...no brakes with a sticky throttle.  He said he'd take me for a ride on it.  So, we ride thru the streets of my neighborhood, around the block and we're returning to his house.  Throttle sticks as we approach an intersection.  We blow the stop sign, we're going too fast to make the 90 degree left.  We jump the curb and crash full speed in to a row of bushes.  He breaks his foot, I walk away with a headache.  No helmets and definitely nothing on but shorts and a tshirt.  I was probably 12.

My parents still hate my motorcycles.

i have numbness in both hands.  I went to see some sports medicine doctor in Dublin last year.  The did nerve tests and I had Biker's Palsy - which is inflamation in the Guyun's Canyon of the hand that presses on the nerve.  It was from bicycling too much.  I had surgery scheduled but went for a 2nd opinion at that new Hand/Foot place near Polaris.  That doctor told me to stop biking and see what happens.  A month went by and the numbness subsided and I got strength back.  I started biking again this spring and it returned.  I ice and try to do some exercises...that helps but the numbness is there slightly.  I just live with it.

Same thing happened to me while riding my motorcycle at Mid-O a few years ago.  Tingling on the inside of my left index finger.  It's still there today :|