Addiction 2022.2
#2326
he said member
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Anyone have experience with Spyre disk calipers? They are a straight mechanical cable pull caliper. Trying to get a feel for what will work on the disk bike if/when I pull the 12 speed stuff off it.
#2327
Should Be More Popular
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#2328
serious cyclist
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No experience, but last I heard (when they were OEM on the first disc brake tri bikes) they required frequent adjustment due to... something in the design that I don't remember.
#2329
serious cyclist
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#2331
he said member
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#2332
Mostly Harmless
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#2333
Senior Member
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Great price on double sided power pedals: https://www.westernbikeworks.com/pro...3-power-pedals
I've been using these for a year and no issues other than battery changes.
I've been using these for a year and no issues other than battery changes.
#2334
Mostly Harmless
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I had Spyres on my first CX bike. They work great.
#2335
Mostly Harmless
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All cable operated brakes require small adjustments as the pads wear.
#2336
VFL For Life
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#2337
he said member
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#2338
he said member
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#2339
VFL For Life
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#2340
Senior Member
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#2341
-------
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Make sure you go in with your eyes wide open. There are several things you need to know about them to determine whether they are an appropriate investment:
1. The rate is a combination of a fixed rate and a composite rate. The composite rate is adjusted every six months, and is adjusted based on inflation factors. The composite rate can go to zero. Currently the fixed rate component is 0%. With the adjustment of the composite rate, there is a potential that it could also reduce to 0% leaving you with an investment that does not grow at all.
2. You cannot cash out the bond in the first 12 months. After that, you can cash out the bond in the next 48 months, but you forfeit 3 month's interest.
The good thing is that the tax on the interest is deferable until you cash out. They may be a good investment for some in times of inflation, but not so good during times of minimal to no inflation.
#2342
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For money you don't need in the next year, it's a guaranteed 8%+ (if you buy before May). This is the only real downside.
#2343
cowboy, steel horse, etc
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#2344
VFL For Life
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#2345
-------
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No question that savings/money market accounts have not been a good place to store money in recent years. The bond market has not been good either.
I'm not dissing your idea. Just wanted to point out some risks. If you won't need the money for 18 months, it's a good deal for cash reserves at this time, although the amount you can stash is relatively small.
I'm not dissing your idea. Just wanted to point out some risks. If you won't need the money for 18 months, it's a good deal for cash reserves at this time, although the amount you can stash is relatively small.
#2346
-------
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Even with the forfeiture though, the return would be far better than money market or savings accounts.
#2347
Mostly Harmless
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#2348
Senior Member
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It only took a few replies. Surprisingly, no one has suggested leaving a water bottle at home. That usually comes up in weight related questions.
#2349
cowboy, steel horse, etc
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#2350
VFL For Life
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