- New cycling magazine Simpson launches this week1 year 6 weeks agoOne for the Rapha boys this
One for the Rapha boys this one i think.
I think ill stick to reading http://www.spincyclemag.com/ for free.
- New cycling magazine Simpson launches this week1 year 6 weeks agoI'll definitely be buying
I'll definitely be buying this.
And by buying it, I mean reading it when I'm in the supermarket and putting it back on the shelf unless there is a decent freebie on the front.
- Rapha launch spring/summer 2013 clothing range +videos1 year 6 weeks agoThe other bit that justs make
The other bit that justs make me laugh is how Rapha are always brought up on how their stuff is made in China, evil vindictive company that they are. Then go an hop on their bike which is made (unless it's a custom made) in China or Taiwan along with the comouter they used to type the rant.
- Cycle to Work scheme guidance to allow accessories-only packages1 year 6 weeks agoAs someone who's about to
As someone who's about to take the plunge on buying a bike on C2W (3rd time), here's my observations:
(1) yes, its not as good as it used to be...my scott sportster i bought in 2008 was subject to a 5% nominal fee at the end of year 1, which was something like 17quid. now-a-days, after year 1 its nearer 25% (but you wouldn't do that, you'd agree to defer this for year, and pay ~7% which is still pretty good really)
(2) yes, higher-rate tax payers benefit more - i'm fortunate to be in this bracket (just). this does seem wrong - should be a flat rate for all.
(3) based on higher rate payer, i've worked out that i can get ~35% saving (including market value depreciated to 7% over the years) on the trek crossrip elite i want to get (to replace my hybrid, but with dropbars). that's pretty good to me, and i can spread the cost over 12months, so my wife won't kill me ! - i can't imagine that you'll find any bike shop that will give you anywhere near 35% off a new bike, let alone pay over 12months. yes, i won't "own" it after a year, but to all intents and purposes it will be mine (it aint going back, cos i'll have signed a long-term loan agreement: this is with cyclescheme)
(4) i think for lower-rate taxpayer, the same bike, including market value payment of 7% after 4 years (cyclescheme.co.uk) works out at around 25% saving. again, i think i'd struggle to find a bike shop do that discount. however, online retailers might offer sale bikes nearer that discount (although Evanscycles allow you to use cyclescheme on sale price of bikes, which can mean a bigger bargain!)
(5) but what if you don't want to wait for years to own the bike? i believe its possible to treat the purchase as a benefit in kind (see this month's "cycling active" mag) and thus you pay tax only on the market value (250quid based on 1000quid max); this would mean the saving for higher rate tax payer would go down to ~32%, but a lower rate tax payer it could go up to ~30%; again, this is dependent on the bike being offered to you at market value as a benefit in kind...not a tax expert, but the magazine implies this is ok, as does someone else above. in this way, you'd own the bike after 1 year. note: the market value calcs from HMRC include VAT so you don't have to add that back on as well (my company believed you do)
(6) you can run schemes in following years, once the initial year's loan/payments are out the way. in this way the 4 year agreement 'tail' to lower the market value price to pay isn't an issue if you want to do the scheme again.
(7) if the scheme helps a few more people buy bikes, and get into cycling, then its ok in my book. i certainly wouldn't have got a road bike without (2010 - trek 1.5c), and cycling has genuinely changed my life for the better - feel fitter, more positive etc...but we all know that here, right?!?
as always, take the above numbers with a pinch of salt, no tax expert, etc etc, but i've looked into this over last few weeks and seems ok. i'm not linked in anyway to cyclescheme, cycle to work, whatever, just portraying my experience, and the opinion that despite a lot of people complaining, this still seems to be a good route to a cheaper bike.
(an as an aside - can road.cc please review the trek crossrip! i see little reviews anywhere, and it's down to this or the pinnacle arkose two)
- New cycling magazine Simpson launches this week1 year 6 weeks agoGosh, awful lot of negativity
Gosh, awful lot of negativity for something that no one has read yet. I'll get the first issue and see what it's like.…
- GP Camaiore / Strade Bianchi / Roma Maxima1 year 6 weeks agoFor my purist team I tried to
For my purist team I tried to stick to those riding two or three races and have both 'big hitters' but avoided Nibali purely as he's only racing once. In fairness he could well win Camaiore and outscore all the rest of my guys but I took the chance that my picks would top 10 two or three times.
Standard wise I'm loaded up on Camaiore riders with a view to switching people out over the next couple of stages. I can field a full Bianchi team with about 3/4 transfers so in theory could totally rework my team for Roma.
- New cycling magazine Simpson launches this week1 year 6 weeks agosix quid, 'ang about!
six quid, 'ang about!
- Surgeons in Scotland debate the helmet issue - do they increase cyclists' safety or not?1 year 6 weeks ago@dullard - and vs the
@dullard - and vs the injuries caused by not wearing a helmet how do those stats stack up? That's all that i want to clarify, if it's 1/1,000 injury then is it worth raising? 1/10 is maybe worth worrying about, but I'm pretty sure the odds are stacked in your noggin's favour when you do wear a helmet
- Surgeons in Scotland debate the helmet issue - do they increase cyclists' safety or not?1 year 6 weeks agoCommuting/Training/Racing:
tootling to the shops: no helmet
Personal choice, end of debate.
- Rapha launch spring/summer 2013 clothing range +videos1 year 6 weeks agobikeboy76 wrote:MAMILS arebikeboy76 wrote:
MAMILS are ruining the clothing market, too much money to splurge, just save up for a Ferrari and get out of the way.
You must be really fast then…
Does the 76 in your name refer to your date of birth? Do you wear lycra? MAMILs eh?
I haven't got any Rapha kit btw, but I do have some Castelli stuff which cost considerably more than the equivalent Rapha item, and which is made in China, but they never seem to get any grief about how much it costs or where it's made or who wears it, nor Assoss - not that you ever see any reviews - but then I suppose that's what 'proper' riders like bikeboy76 wear
- Rapha launch spring/summer 2013 clothing range +videos1 year 6 weeks agoboardmanrider wrote:Sweetboardmanrider wrote:
Sweet lord! Why is it that Rapha gets such a hard time over their prices? Their kit, of which I have several pieces, is seriously high quality in terms of fit, attention to detail and style.
I'll draw the following parallels - nobody gives about the price of any of the deep rim carbon wheelsets you see around. Nobody gives out about the price of high end .
2nd that boardmanrider 'Assos - Castelli'!!
All expensive kit but no one ever queries their quality, price yeah.. but once you actually purchase one of their items you never question it again because you see the difference. Rapha/Assos/Castelli they just do not compare to DHB or whoever - do what i do buy their winter gear in summer & vice versa - you'll see what the fuss is about & save your pennies for better standard gear
- Rapha launch spring/summer 2013 clothing range +videos1 year 6 weeks agoWhy are Rapha-lovers pissing
Why are Rapha-lovers pissing and moaning about Rapha-haters pissing and moaning about the prices. It is a free country, if you don't want to hear others ridiculing the way you spend your money, then move to Beverly Hills, chum, or any of the parts of Cheshire, Essex or Surrey that aspire to a similar ethos, and savour the conspicuous consumption. What, can't afford that? Well too bad, it's called choice. Other places to live are available, you know, and at different prices.
Of course, in reality, the rich have driven house process up for everyone in recent decades, as they are now for cycling equipment and clothing.
- Rapha launch spring/summer 2013 clothing range +videos1 year 6 weeks agoAmen to that @notfastenough
Amen to that @notfastenough
- Rapha launch spring/summer 2013 clothing range +videos1 year 6 weeks agoI like Rapha stuff. I wish it
I like Rapha stuff. I wish it was cheaper and I wish they did more regular sales one their products. It seems there are a lot of jealous types out there (who Blanche at the price). But we all place a value on things depending on our own life demands. I can understand that. If I won the lottery tomorrow I'd certainly upgrade my kit and bike.
- GP Camaiore / Strade Bianchi / Roma Maxima1 year 6 weeks agoGone a bit random for
Gone a bit random for Purist.
Picked a standard team all riding GP with a couple who are riding the others, which should aid in transfers.
A lot of Italians through out though
- le samyn1 year 6 weeks agoYeah just switched on to find
Yeah just switched on to find out helicopters grounded so no broadcast
- Rapha launch spring/summer 2013 clothing range +videos1 year 6 weeks agoI'm a fool and my money will
I'm a fool and my money will soon part...
- le samyn1 year 6 weeks agoYou will be gutted then Nick,
You will be gutted then Nick, coverage cancelled because of fog
- Cycle to Work scheme guidance to allow accessories-only packages1 year 6 weeks agoI agree that this is not the
I agree that this is not the most water tight of tax breaks, but it is a tax break. Given the number that respective governments have given employees don't knock it too hard.
Tax legislation is all down to interpretation (like all law). As someone else has pointed out, the tax break becomes greater the more you earn. And another contributor pointed out, the break is sort of a tax free loan (deduction of the loan comes out your gross income, not your net - which is where the discount comes in), with tax payable on the residual value of the asset (and so it depends on whether your company want to make you pay for the outstanding amount).
Not that I advocate tax evasion, but just who is keeping records of people riding to work and whether the amount is made good or the bike is returned to the retailer? Take advantage of this as much as you can.
- Passoni Top Force W1 year 6 weeks agoFor those of you interested
For those of you interested in Passoni, Just Pedal cycle holidays are advertising an ultimate Giro trip that includes a visit to the Passoni factory and a Passoni demo bike for 5 days.
It is based in a luxury villa on Lake Como and also includes a helicopter flight to the Alps. This means you can demo a Passoni on the Stelvio and enjoy the queen stage of the Giro in the hospitality tent.
Check out http://www.just-pedal.com/passoni.php for more info.
- GP Camaiore / Strade Bianchi / Roma Maxima1 year 6 weeks agoI did the same Ray, I picked
I did the same Ray, I picked guys riding all three, then narrowed it down to those I think can do something, then pulled in the best who are riding 2/3
In Standard I just went on gut and don't even know how many are doing the next race
- GP Camaiore / Strade Bianchi / Roma Maxima1 year 6 weeks agoIn purist I started by
In purist I started by picking nine guys riding all three but was also left with lots of credits so took out the two least likely to do anything and replaced with the 2 heaviest hitters riding two races.
In standard,with 6 transfers allowed between races I pretty much picked three guys riding all 3 races who could well do something in each of them then fitted in 6 guys suited to the rolling up/down circuit based racing of the G.P....and four of those are riding Bianchi too so I've only got 2 that definitely need to come out after the G.P.
- Cycle to Work scheme guidance to allow accessories-only packages1 year 6 weeks agoThis scheme is just dead. Our
This scheme is just dead. Our company won't touch it. It's too uncertain and the rules have changed too many times. The legal advice given out by some of the C2W companies is just wrong and potentially exposes large companies to legal action if the taxman were to really take a good hard look at it.
It could be really simple.
Why can't I buy a bike, get my company to sign a letter saying I cycle to work regularly and then send this to the taxman and get a VAT refund.
One form. No hassle. 20% discount.
If we go down the route of making cycling kit VAT free, then in a year's time it will all be just as expensive as it was before. Look at kids clothes. They're supposedly VAT free, but you wouldn't think so from the price of it!
- GP Camaiore / Strade Bianchi / Roma Maxima1 year 6 weeks agoI have 6 Italians in one of
I have 6 Italians in one of my teams and 7 in the other - and as usual can't resist Sagan. Don't really feel the need to find guys that are riding all three - anyone that can score big points in one race, or top 10 in 2, would be worth having.
Not exactly hot tips, but there are 4 guys from Androni that I'm basically flipping a coin between - Pellizotti, Reda, Felline and Gavazzi could all do something in at least one of these races.
- New cycling magazine Simpson launches this week1 year 6 weeks agoI hope the articles in the
I hope the articles in the mag are a bit more gripping than the one on the website about how t-shirts are made.