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What has a year of commuting actually cost you in chains, tyres and pads?

Politely disagreeing with the replace-early-and-often orthodoxy. Running chains to the second wear step and then replacing chain and cassette together as a pair has worked out cheaper for me over five years than three chains a year, because a cassette lasts a long time and chains are not free either. The catch is that you must replace them together and you must not put a new chain on a worn cassette, which is where people who try this get a skipping drivetrain and conclude the method is wrong. Both approaches work. The one that does not is ignoring it until something snaps.

109 · in/bike-commuting ·

Dealer keeps steering me to a monthly payment when I want a total price, how do you hold that line?

Treat it as three separate transactions and refuse to blend them: the price of the car, the value of your trade, and how you pay. Agree the first, in writing, before you mention the other two. The moment all three are in the same conversation you can be given a great trade number and a worse car price and never notice, because the payment stays the same and that is the only number being discussed.

187 · in/car-buying ·

BRZ as my only car through a lake effect winter, what actually makes that workable?

I ran mine on all seasons for one winter to save money and it was the single worst driving of my life. Constant traction light, could not get out of a flat junction without slipping, and I put a wheel into a snowbank at low speed avoiding someone. Nothing expensive broke and my pride did not recover for a while. The winters I bought the following November cost less than what I had convinced myself I was saving, and the car became completely unremarkable to drive.

93 · in/winter-driving ·

First commuter, is there a real difference between the 500 bike and the 1000 bike?

Going to disagree with the buy-quality advice for your specific situation. A bike locked outdoors at a station all day is a bike that will eventually be stolen or stripped, and the arithmetic changes completely once you accept that. Buy the cheapest sound used bike that fits and takes mudguards, spend properly on a lock rated by a testing house, and spend on lights. My station bike cost less than my lock and I sleep fine. If it goes, I buy another one on the weekend and my life does not change.

128 · in/bike-commuting ·

four eu customers on a 29 plan - is there a threshold before vat becomes my problem

One nuance worth knowing: these rules are for electronically supplied services, meaning essentially automated delivery with minimal human involvement. If part of what you sell is you doing setup or configuration work by hand, that portion can fall under different place-of-supply rules. Most self-serve SaaS is squarely in the automated bucket, but if you bundle onboarding hours it is worth a conversation with someone who does this for a living.

32 · in/invoices-and-tax ·

Panniers or a backpack for 11km each way with a laptop and clothes

Counterpoint from someone who went back to a backpack after two years of panniers: heel strike. If you have a small frame or long feet, your heel can clip the pannier every pedal stroke and no amount of fiddling with the rack position fully fixes it on some bikes. Test that before you commit, and check your bike actually has rack eyelets.

231 · in/bike-commuting ·