to answer scrapvalue:
Sounds like your clutch is slipping.
How many miles on the bike? 37,000
What kind of oil are you using? val 10-40
Is there any play in the clutch lever? not much play, doesnt go into gear until i almost completely release the clutch lever
You should be able to move the lever about an 1/8th of an inch,(the thickness of a nickel).
If the cable is tight, the clutchs are not able to ingage fully.
Was the clutch working before you adjusted it? seemed to be working fine but i adjusted it soon after i bought the bike