Being a new rider the odds are very good that you're going to drop your bike at least once in the first six months, maybe more than once. For this reason it's usually unwise for a new rider to buy a new bike. It's generally a bummer to be making payments on something that is all scratched up.
That said the S40 is a great beginner bike and hey someone has to buy them new and drop them so the other newbies will have a cheap used bike to buy.
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