<prompt> Human: Edit: If it is unclear, I bought this bike in July 2015 for work after returning from living overseas.Loan amount: 10,000 Length: 48 months, not really sure as Ill pay it off in 2. Payment: 225 for first 18mos 12 from KawasakiCapOne, then interest rate climbs to 20. Insurance: 100m.Burn rate: 1100m. 30 is just the bike! Cash: 8,000. Debt: 0 CC, 20k Student Loans 4Income: Unemployed but I make 1000m consulting when I feel like working. Searching for a job that starts at 45-55K. Wife is employed and has her own cash pile. I have enough money and irregular income to cover everything I need until the end of this year with leftovers, plus in an emergency I can sell my guns, cars, tools, electronics, etc. Not a good safety but Im fine with it. Going to start flipping cars 200 in current project, expected to sell for min 2000 and maybe delivering pizza if the mileage reimbursement is good and Im bored enough. Options: 1. Put loan on 0 APR12m card and save 1000 in interest. Transfer in a year if needed to another 0 and pay fee if required. I can also use wifes cards and 0 cheques to do the same. 2. Use wifes money later this year and put bike on 4 secured loan. I called my local CU and was denied refinancing due to them wanting to see 18mo of payment history on the bike already. I applied myself without the wife. Our credit scores are similar around 675 with student loans and 2 years of perfect credit history. 150 from 2011 in collections, they wont give me any assurances and I wont pay until I get a PFD in writing. Im considering selling the bike since it isnt crucial that I have it anymore. I needed reliable transportation and none of my VWs met that criteria earlier. Ill either buy a project bike as a replacement or Ill just swap car Bs engine into car A, then flip car B to recover costs and make a profit. Would putting the bike loan on a card and then either transferring in a year, or even shifting to a secured loan be a wise move in order to save money on interest, and 25-50m on bike insurance, plus be able to easily sell it on the spot if needed?  <response>: Wise to put 10,000 bike loan on a 0 card, then transfer in a year?No. You cannot afford the bike to begin with and currently have no income. 