noob question..buying from a dealer????

Im a newb, and i am in need of everthing: bike, helmet, etc.  My question is when buying from a dealer and financing can i roll the cost of all the gear into the motorcycle loan?  

IT'S HARD TO SAY, JUDGING FROM STATE TO STATE, BUT WELCOME TO THE RIDING THE OPEN ROADS MY FRIEND.... AND AS A BIKER WHO HAS GONE NEW AND USED, IT IS A TOSS UP....... SOME DEALERS ARE EGAR TO GIVE YOU ALL THE WELCOMING YOU CAN HANDLE... IT'S LIKE THE WORLD EVOLVES AROUND YOU - HOWEVER THIS IS STATING WE SEE A SUCKER COMMING AND YEA BOY! WE READY TO ADD SOME NUMBERS TO HIS KEESTER!... NOT THAT YOUR A SUCKER JUST OUT OF THE BOX, BUT THE EVIL IN FINANCING WILL EAT YOU ALIVE.... I FEEL YOU ON NOT HAVING THE FUNDS FOR FLAT OUT BUYING ALL YOU NEED RIGHT AT THE TIME TO GET THE BAD SET OF WHEELS AND GEAR.... I WENT NEW BACK IN THE 80'S AND YEA, IT HIT ME HARD THEN... I DID A LEASE, AND WAS I A FOOL FOR DOING SO. ENDED UP PAYING 700 SMACKS FOR OVER THE MILES KINDA THANG PLUS SUCKING UP WHAT I HAD TO INVEST IN... SO IT HURT ME FOR A LONG TIME, NOW NOT THAT THIS ROAD MAY LEAD TO YOUR DEMISE BUT MORE FOR YOUR AWAREMENT TO SEE WHO MAKES OFFERS AND EVEN CHECK INTO USED GEAR AS AN ALTERNATIVE ... I AM ON MY SECOND BIKE AND I WENT USED ... EVEN GOT THE GEAR TOO. BAUGHT BIKE AND FULL LEATHER WITH 2 JACKETS AND 2 HELMETS AND A PAIR OF GLOVES FOR A NICE SWEET PRICE OF 3 - *** THE ONLY THING WAS MY HEAD IS SOO DAM BIG I HAD TO GO AND GET MY OWN... AND A 2XX AT THAT, SO THE LARGE AND XLARGE WAS A NO GO... BUT MY KIDS MAKE GOOD USE OF THEM... THEY LIKE THE RIDE I PROVIDE...LOL... BUT IN WHAT EVER CHOICE YOU MAKE, DO TAKE THE TIME TO SEE WHAT IS AVAILABLE, THAT TIME YOU SPEND MAY HELP YOU NOT SPEND... SO GOOD LUCK, AND CRAIGSLIST IS ANOTHER OPTION TOO....  

Very many thanks, since i have you here, its gonna be a while before i can afford a few grand for a bike.  so i been thinking that i'd start buying the gear ahead of time to keep me focused on the goal ya know.  also if i get the bike and don't have the gear i know i'll ride it anyway.  so my question is would doing so make me a big loser poser or what?  

I'm in ksnapps same situation and would like to hear what all the experienced riders have to say to us newb's.... all advice is greatly appreciated.....  

My two cents, for what its worth, I was actually asked this question the other day by a friend of mine that I'm helping get into riding this next spring.  

Here's how I see it; your going to be a "NEWB" for awhile, like a year or so,  until you really learn to ride your bike like its meant to!! So if that's the case why do you need to have gear rated for crashing at a 150 MPH?? Yeah Yeah I know street riding is almost as dangerous as everyone says, but the speeds just aren't there.  So when you get your new bike get the IMPORTANT gear!! ie, jacket, gloves boots and helmet.  Your first jacket does not have to be a dainese full on leather, hell my first jacket was a simple fieldsheer mesh ($99 bucks on sale) but still had full armour and a back protector.  My gloves are just some good heavy duty leather work gloves that I found were very comfortable to ride in($12.99) my first helmet was an HJC ($120.00) and any decent over the ankle boot will do ok for newb riding.  

Now thats what all my first gear was, I have since upgraded all of that stuff a little bit at a time here and there and I frequently stop in and hang out at a couple motorcycle shops in town here and got to know the shop managers so I can get a heads up any new sales and/or closeouts, so I can keep the price of new gear from putting too big of a dent in my wallet

all in all;
Jacket: 100 bucks
helmet: 120 bucks
gloves: 13 bucks
Boots:  50 bucks for a good pair lets say.
Total: 283 bucks.  Not too shabby for when you start riding considering the last jacket I checked on getting was just north 500 bucks!!  

No matter what you wear ride smart and try to keep the shiny side UP!!  

Thanx for the advice had another question is a honda cbr 600 too much power for a new rider?  

I guess that depends on which CBR 600.  My first actual "sportbike" was an 01 F4i and it was a great starter bike for me.  I did however grow up on a dirtbike, but those F 4's and f4i's the power wasn't overwhelming but it still had enough oompha to keep you on your toes!! I don't think however that you should get a newer (06-09) CBR600RR that is what I upgraded to and going from 90some horsepower to the 114 ponies that came stock was a huge jump and I'm glad that my RR wasn't my first bike as it would probably still be in pieces in the corner of my garage this winter!!

My only other advice is for your first bike get a used bike that's a few years old!! you're gonna screw up at some point when you first start riding and its easier to fix an older bike that you didn't sink ALL your money into than ride a busted up bike you still owe 10G's on.  Case in point, I helped a friend get into riding, I found him a 98 gixxer that was a guys old track bike.  He rode it for 2 weeks, after I threw a new coat of paint on it and fixed some scratches, and someone at a bike busted on him for riding an older bike.  So he goes down the next day buys a BRAND NEW gixxer 750, a week later he was washing it in his driveway and left it in neutral and sure enough it rolled forward off the kickstand, and now he rides $9,000 motorcycle with a busted left side fairing!!  

Thanx everyone is telling me the same thing but i still want to get an 08 cbr 600..... everyone tells me that anything less then a 600 was too small to waste my money on.... i don't have the kind of money to get a used bike i was just gonna put a nice down payment on an 08 cbr 600 to get started and just take it easy until i get the hang of things.... thanx for the advice....  

here's my two cents worth. As a "truckie" for a large fire department we run on numerous calls with bikers involved(bike week,octoberfest) and we see a lot of new riders with new bikes pushing the envelope and paying the price.Listen to all the experienced riders here as they have all seen the same thing. Take your time and buy a good older bike( maybe 2-5 years old) and get decent gear. ride with friends and watch what they do( good friends won't push you or guide you the wrong way).Go to a local track and learn the mechanics involved in riding. Once you have some time under your belt, step up and buy a almost new bike. Don't make the mistake most new riders make by trying to keep with the pack. Good luck and keep the shiny side up!!  

My two cents...

As for the safety gear.  I have been lucky in getting mine...right place at the right time.  I was visiting my parents for thanksgiving 2 years ago and saw that the old Suzuki dealership where I grew up was moving into a larger facility and they were having a huge sale.  I got 2 nice motorcycle jackets to add to my collection (Joe Rocket and Cortech) that normally retail for 200 bucks EACH....for a grand total of 100 bucks.  I paid 25% of what it would normally have cost.  So ever since then I have used that strategy.  Look for motorcycle dealerships going out of business, expanding, ect.. to get closeout deals.  You wouldn't believe how often that really happens.  A new dealership opening up even usually has crazy prices.  I got my gf at the time a sweet jacket for 25 bucks that normally retails for 175 (saw it at another dealership few weeks later for 175..LOL).

One thing to mention is don't forget the footwear.  People always make sure to have the right helmet and maybe a jacket...maybe gloves, but footwear often gets overlooked.  I'm not talking about the full boots that you're going to use at a track or anything.  I have a pair of Frank Thomas boots that offer great protection and are waterproof.  They don't look like they're dedicated boots or out of place...and yet they provide great protection for my ankles and feet.  I have a scar on my right ankle to prove why it's a worthy investment.

You don't need to go out and buy a $500 SHOEI helmet or anything.  You can get a good quality helmet for a fraction of that.  My own personal suggestion is Scorpion.  They make a great helmet that IMHO is very close to being SHOEI quality.  I have a SHOEI RF1000 and the only difference I notice is a little extra airflow.  And the Scorpion held together pretty well when my head hit the pavement at about 45mph....just a gash by the impact, but it proved its worth.

From my experience with dealerships I have found that the only safety gear they really help with is the helmet.  They'll either throw in a cheap helmet or offer to give you half off of a modestly priced helmet.  That's about it from what I've seen.

As for the bike.  I agree with everyone else.  BUY USED.  Even if it's only a year or two old...buying used is good advice.  I wish I had taken it on my very first bike.  It's rare that a newbie doesn't end up dropping the bike or getting into an accident at some point in the first 1-10 months.  Not discouraging you at all....but just warning you against getting a brand new bike before you're 100% comfortable with riding.  And do be careful with the salesman.  Like was already mentioned in here...they can srew you without even knowing....much worse than any car salesman.  I thought I made it out great and ended up realizing later that my financing ended up with me basically paying twice the price of the bike...LOL.  I was young and stupid.  Nowadays I would reccomend waiting for when people like Suzuki and Kawasaki, ect.. do their special sale days.  Then you can get like 8% APR or so.  

Buy what you're comfortable with, but I definitely recommend getting an SV650.  Buy one that's like 2 years old and it'll only cost you like $4000.  Or any between 2003-now.  They are one of the best kept secrets for beginners.  They're basically a more comfortable version of a Gixxer 600 (not really any similarities with bikes, but it's the way I look at it when you compare displacement class and performance)...only faster snd with a V-Twin engine design.  They're easy on maintenance and are bulletproof.