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Search: Posts Made By: Koyote
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09-19-20, 07:15 PM
Replies: 7
Views: 80
Posted By Koyote

What on earth is the point of this post?

What on earth is the point of this post?
09-19-20, 09:07 AM
Replies: 147
Views: 2,673
Posted By Koyote

The "final member," Wallison, was the ONLY one...

The "final member," Wallison, was the ONLY one who concluded that government policies (the policies you are emphasizing) caused the crisis. In this conclusion, he disagreed with even the other three...
09-19-20, 07:01 AM
Replies: 147
Views: 2,673
Posted By Koyote

That's actually not true, but I don't think you...

That's actually not true, but I don't think you will accept that.

They made those loans because (1) they got paid to write mortgages, and (2) the derivatives market gave them a way to slice up and...
09-18-20, 08:13 PM
Replies: 51
Views: 1,070
Posted By Koyote

Sure, of course, old frames are usually perfectly...

Sure, of course, old frames are usually perfectly roadworthy. But if you look at a Riv, and look at the alternatives, they are downright bargains - if you want a new frame, and you like their frames....
09-18-20, 07:54 PM
Replies: 147
Views: 2,673
Posted By Koyote

Though opinions vary, the majority opinion (among...

Though opinions vary, the majority opinion (among economists who have studied this) appears to be that Fannie Mae, Freddie Mac, the CRA, and the Housing and Community Redevelopment Act did contribute...
09-18-20, 07:16 PM
Replies: 51
Views: 1,070
Posted By Koyote

The made-in-Taiwan Rivendells are bargains:...

The made-in-Taiwan Rivendells are bargains: beautiful lugged steel, wonderful paint work, and many very fine aesthetic details. Depending on the model, you can pick up a frameset (frame, fork,...
09-18-20, 04:24 PM
Replies: 147
Views: 2,673
Posted By Koyote

Don't forget the repeal of the Glass-Steagall...

Don't forget the repeal of the Glass-Steagall Act, inadequate regulation of mortgage lending practices, and Alan Greenspan's incredibly naive view of financial markets.
09-18-20, 12:49 PM
Replies: 25
Views: 666
Posted By Koyote

Not to take anything away from Bob Roll, but I...

Not to take anything away from Bob Roll, but I believe that Jim Ochowitz handed Hampsten some warm clothing at the top of the Gavia. I don't think Roll was there with Hampsten. Unless I am...
09-18-20, 10:54 AM
Replies: 147
Views: 2,673
Posted By Koyote

If repossession is your fallback plan, then your...

If repossession is your fallback plan, then your main plan may be flawed.

Oh, wait, sorry -- I'm too old to understand this new-fangled modern finance.
09-18-20, 09:38 AM
Replies: 10
Views: 246
Posted By Koyote

Interesting. Maybe the 30-day return privilege...

Interesting. Maybe the 30-day return privilege only applies to web purchases, then? That is how I always buy things from Spec.
Forum: Road Cycling
09-18-20, 08:39 AM
Replies: 24
Views: 572
Posted By Koyote

External Di2? That's only acceptable if you...

External Di2? That's only acceptable if you dress like this:

https://cimg2.ibsrv.net/gimg/bikeforums.net-vbulletin/198x320/img_1674_b195aa3388780d16575d0bc805189f74c25b4595.png
Forum: Road Cycling
09-18-20, 06:15 AM
Replies: 95
Views: 2,040
Posted By Koyote

OP: if you really want to know what people are...

OP: if you really want to know what people are carrying in those handlebar bags, why donít you just ask?
09-18-20, 06:08 AM
Replies: 147
Views: 2,673
Posted By Koyote

You are correct: it is a value judgment; I have...

You are correct: it is a value judgment; I have never argued that it is some sort of universal principle. Hence all of this arguing is pointless, as value judgments are subjective Ė you canít prove...
09-17-20, 09:13 PM
Replies: 147
Views: 2,673
Posted By Koyote

This has been a long thread, so perhaps I am...

This has been a long thread, so perhaps I am mistaken - and if so, someone will throw my own words back in my face! But I don't think that I ever suggested that borrowing money to buy a house is a...
09-17-20, 07:28 PM
Replies: 10
Views: 246
Posted By Koyote

OP, in case you don't know: Specialized has a...

OP, in case you don't know: Specialized has a 30-day return policy, even if you have used something like a saddle. So, if the Romin doesn't work for you, it needn't be money wasted.

pipeliner...
09-17-20, 07:25 PM
Replies: 8
Views: 211
Posted By Koyote

I live near Amish country, and I know an Amish...

I live near Amish country, and I know an Amish lady who makes fried pies; imagine something like those Hostess fruit pies, but homemade, of good ingredients, and about 1000% better. After I get a...
09-17-20, 07:06 PM
Replies: 147
Views: 2,673
Posted By Koyote

Are you really trying to equate the purchase of a...

Are you really trying to equate the purchase of a bike to the purchase of a house?

If you don't understand the difference, I'm not sure I can help you understand.
09-17-20, 01:42 PM
Replies: 147
Views: 2,673
Posted By Koyote

Eh? What's that, sonny? Speak into my hearing...

Eh? What's that, sonny? Speak into my hearing aid! Speak up! Wait a minute...You're saying that you use financing in order to get something that you couldn't otherwise get? Whoa! Thanks for...
09-17-20, 09:01 AM
Replies: 25
Views: 666
Posted By Koyote

Greatest bike racer the US has ever produced.

Greatest bike racer the US has ever produced.
09-17-20, 07:29 AM
Replies: 147
Views: 2,673
Posted By Koyote

Money is like sex: the more someone talks about...

Money is like sex: the more someone talks about it, the less he has.
09-16-20, 07:20 PM
Replies: 117
Views: 1,889
Posted By Koyote

I hope you realize that, at this point, no one is...

I hope you realize that, at this point, no one is really taking you seriously?
09-16-20, 07:17 PM
Replies: 147
Views: 2,673
Posted By Koyote

This was my original assertion: " but if you need...

This was my original assertion: " but if you need financing and monthly payments to buy a new bike, then it's not "affordable" for you."

I added the emphasis so that you wouldn't miss it this time.
09-16-20, 07:06 PM
Replies: 117
Views: 1,889
Posted By Koyote

If you are serious, you are plumbing new depths...

If you are serious, you are plumbing new depths of ignorance.

You claim to know sooo much about hitch-mounted racks, but you apparently haven't the first clue how they actually work.
09-16-20, 06:45 PM
Replies: 147
Views: 2,673
Posted By Koyote

If you work hard, BoraxKid, perhaps one day...

If you work hard, BoraxKid, perhaps one day you'll be able to afford a new bike without a payment plan. Keep at it.



Cars often get people to their jobs, which pay money. There's a big...
09-16-20, 05:21 PM
Replies: 17
Views: 402
Posted By Koyote

The chain is matched to the number of cogs on the...

The chain is matched to the number of cogs on the back...So, if you have five cogs, you need a five speed chain.
09-16-20, 05:13 PM
Replies: 147
Views: 2,673
Posted By Koyote

I think we got our lines crossed, but we are in...

I think we got our lines crossed, but we are in agreement. I was trying to make the point that, even if you can make a good return on a loan, financing a purchase does not make a purchase more...
09-16-20, 04:56 PM
Replies: 147
Views: 2,673
Posted By Koyote

Sure, okay, as long as we acknowledge that this...

Sure, okay, as long as we acknowledge that this is far, far from BoraxKid 's scenario in which a person finances a purchase because he doesn't have the cash -- can we agree that does not make the...
09-16-20, 04:26 PM
Replies: 147
Views: 2,673
Posted By Koyote

If you could explain yourself without using a...

If you could explain yourself without using a double-negative, I might be able to follow.

But if you are arguing that somehow a new bike (or new anything) costs you less if you finance it, you've...
09-16-20, 04:05 PM
Replies: 147
Views: 2,673
Posted By Koyote

True, if you can handle the volatility. The last...

True, if you can handle the volatility. The last time we bought a new car, I went to the dealer with my checkbook. Then they offered me .9% financing for five years, so I took the loan and left the...
09-16-20, 03:24 PM
Replies: 147
Views: 2,673
Posted By Koyote

Just to be clear, financing - even at 0% interest...

Just to be clear, financing - even at 0% interest - does not make anything "more affordable." It just spreads out the payments.
09-16-20, 03:08 PM
Replies: 147
Views: 2,673
Posted By Koyote

We're getting a bit OT here (though I'm not sure...

We're getting a bit OT here (though I'm not sure this thread ever HAD a topic), but if you need financing and monthly payments to buy a new bike, then it's not "affordable" for you.
09-16-20, 02:41 PM
Replies: 50
Views: 921
Posted By Koyote

You should calm down. Youíre getting hysterical.

You should calm down. Youíre getting hysterical.
09-16-20, 12:14 PM
Replies: 17
Views: 368
Posted By Koyote

Someone with more experience may have better...

Someone with more experience may have better ideas, as I think it can be installed in various locations...But here's how mine is installed:
...
09-16-20, 11:45 AM
Replies: 17
Views: 368
Posted By Koyote

Fair enough, and thanks for indulging me. ...

Fair enough, and thanks for indulging me.

When people want to upgrade to Di2 because they think it shifts better, I like to point out that it doesn't. A good mechanical Shimano groupset,...
09-16-20, 11:33 AM
Replies: 50
Views: 921
Posted By Koyote

Calm down.

Calm down.
09-16-20, 10:34 AM
Replies: 117
Views: 1,889
Posted By Koyote

By this point, many people would've shrugged and...

By this point, many people would've shrugged and acknowledged that other people have different needs and preferences - maybe even different vehicles.
09-16-20, 10:24 AM
Replies: 50
Views: 921
Posted By Koyote

If you do the math, even a 20% increase in...

If you do the math, even a 20% increase in ambient temp will only raise the tire's psi by 4%, give or take. (Depends on the starting psi.) As long as the tire was not already grossly overinflated,...
09-16-20, 09:43 AM
Replies: 194
Views: 4,556
Posted By Koyote

Since my newest gravel bike is also my newest and...

Since my newest gravel bike is also my newest and nicest bike, I ride it in most conditions. Even on a pavement ride, the 43mm tires, at about 38-40 psi, give a nice plush ride - and the whole rig is...
09-15-20, 06:22 PM
Replies: 117
Views: 1,889
Posted By Koyote

I know this is an internet forum, and admitting...

I know this is an internet forum, and admitting to a mistake is tantamount to admitting to, oh, I dunno - cannibalism. But I'll admit that I didn't think about these issues, so I do now understand...
Forum: Road Cycling
09-15-20, 04:01 PM
Replies: 142
Views: 3,795
Posted By Koyote

You should take your sense of humor out and play...

You should take your sense of humor out and play with it some time.
09-15-20, 12:10 PM
Replies: 17
Views: 368
Posted By Koyote

OT response here, so ignore if you wish. But: why...

OT response here, so ignore if you wish. But: why do you regard Di2 as an "upgrade"? I guess I'm wondering what you expect to get for the time and expense.

And forgive me if you are already...
09-15-20, 11:58 AM
Replies: 117
Views: 1,889
Posted By Koyote

Hmm. They must make an extender for such...

Hmm. They must make an extender for such vehicles. Are you using it, and still have the problem?
09-15-20, 11:48 AM
Replies: 50
Views: 921
Posted By Koyote

Well, that's fair, since you have missed his...

Well, that's fair, since you have missed his point, too. But at least his is valid.
09-15-20, 11:41 AM
Replies: 50
Views: 921
Posted By Koyote

Sorry, I thought that pretty much every person to...

Sorry, I thought that pretty much every person to ever log onto a forum knew that writing in all caps is called "shouting (https://www.wired.com/story/all-caps-because-internet-gretchen-mcculloch/)."...
09-15-20, 11:26 AM
Replies: 50
Views: 921
Posted By Koyote

I dunno. That shouting concerns me. You seem a...

I dunno. That shouting concerns me. You seem a bit hysterical.
09-15-20, 11:14 AM
Replies: 50
Views: 921
Posted By Koyote

Calm down.

Calm down.
09-15-20, 10:41 AM
Replies: 16
Views: 359
Posted By Koyote

This is the kind of high-quality content that...

This is the kind of high-quality content that keeps me coming back to bf.
09-15-20, 10:38 AM
Replies: 117
Views: 1,889
Posted By Koyote

Or you just put the rack on the car and leave it...

Or you just put the rack on the car and leave it there. They all swing away easily to provide access to a trunk or hatch, and - contrary to someone's claims - they usually don't obscure taillights.
Forum: Road Cycling
09-15-20, 08:08 AM
Replies: 142
Views: 3,795
Posted By Koyote

That would be the Sachs, I presume.

That would be the Sachs, I presume.
Forum: Road Cycling
09-15-20, 06:50 AM
Replies: 142
Views: 3,795
Posted By Koyote

If you're not fast, then it's the ONLY metric.

If you're not fast, then it's the ONLY metric.
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