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Crissie

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  1. Hi Shabbas, yes I'll try. In essence, the company buys the bike then leases it back to the employee, who pays the company back in full over 12 months. The good bit is that the payments are deducted from gross pay (salary sacrifice), so the employee doesn't pay their income tax and National Insurance contributions for the bike value, so you save that much, and the employer doesn't pay their NI contribution for the bike value, so they benefit too. Plus I guess you could say it's good for employee wellbeing, good for the environment, and quite a nice benefit. Income Tax is say 20% and NI is say 12%, so the employee saves 32% of the bike's cost against going out and paying cash for it I think, but please don't take my word for it! The employer NI contribution is usually 13.8% so they save that portion of the bike's cost too. The employer first registers the business with one of several government-backed Cycle to Work Schemes. The employee then selects a bike (and I think you can include safety wear as well) from a bike shop - I don't think there are any restrictions on which shop you can use, and different employees can choose to use different shops. The employer can set a maximum price, I think the employee can add to that if you wish. The bike shop then sends an invoice to the company, who pay the bill. The Cycle to Work Scheme then sends the employee a voucher, which you take to the bike shop and exchange it for the bike. The bike remains the property of the employer until it's been fully paid back by the employee, and there's a final payment to buy it back outright from the company. It appears to have worked very well, and wasn't difficult to set up or administer the scheme. Hope that explains it in relatively easy terms
  2. Update: Thanks all, for your advice and encouragement. I've just taken delivery of a Cube e-bike, which I purchased through the government Cycle to Work scheme so I effectively save the Income Tax and NI Contributions off of the normal retail price. The bike's great and will be getting used for my daily commute as soon as we can go back. In the meantime I've got plenty of chance to get used to cycling again, while the roads are quiet.
  3. They were searching for an elderly gentleman who was missing. I believe he has been found and is OK.
  4. Thanks KJT, I spent some time in Halfords the other day and was disappointed by the lack of interest from the staff, so I decided to try some of the local independents as you suggest. I guess higher battery voltage and capacity is right, I can always reduce the assistance level.
  5. Thanks Hadron, that's good advice, and I've already considered this. Mainly it will be stored indoors at home, or secure indoor space at work. However I'm sure I'll then start to go to the shops / pub / etc on it, and that's when security will become an issue. I guess decent locks aren't much of a barrier to professional thieves so it's important to have an awareness and as you suggest, leave it in a building wherever possible.
  6. True, but I bet most of them would still like to own a car for other journeys that aren't commuting, shopping or school runs, eg holidays, visiting out-of-town relatives / friends, etc. So the reality will be that they still have the cost of ownership for a car, even when using public transport for some / most journeys. I'm considering buying an e-bike for my daily commute. It might save me £30-40 a month in fuel but I'll still keep my car for weekend stuff that couldn't easily be done by public transport, so I can't justify getting the bike on cost-saving alone, I have to consider the health benefits, congestion reduction, reduced environmental impact.
  7. Thanks Bargepole and TomMix for your advice - I'll hire both an e-bike and a conventional one, see how I get on with those then make my mind up - I'll let you know what I decide.
  8. That's pretty much it Bargepole, there's a short uphill section at the end, but most of the route's fairly level, and even has dedicated cycle lanes for part of the journey. I'm hopeful that an e-bike will help me get more exercise (I can reduce the level of assistance as I improve) and be a small help towards reducing traffic congestion / emissions, without making me a laughing stock. I'm just trying to do a bit of homework first to see if it's a realistic ambition.
  9. I'm thinking of investing in an e-bike for my daily commute along Penistone Road and Derek Dooley Way - are there any users on here who could offer advice / opinions as to suitability for an aging / unfit / a-bit-overweight / creaky-knees enthusiast?
  10. "morons" is a bit harsh - is that really your opinion of other road users?
  11. When the Middlewood Hospital site was developed, the developers' contribution to local community and infrastructure amounted to a small donation to Marlcliffe school's library fund. The current proposed developments at Loxley and Oughtibridge will line the pockets of the investors, but will overburden local infrastructure - roads, churches, schools, buses etc. Maybe if they were required to make meaningful contributions to these, the developers would be less hungry. Yes, our society needs new houses, but we also need all those other things alongside, to really integrate it and make it work for the benefit of all.
  12. Transportation logistics is a well-developed process to ensure that deliveries are scheduled to avoid this.
  13. There's a lot of blaming going on, but surely we should take some responsibility for our own safety? Yesterday's media reports were focussed on people commenting "nobody told us it was going to flood", "nobody delivered us any sandbags", and the classic "look, my feet are wet". But if you know your house / workplace / shopping centre / route home is at risk of flooding during heavy rain, why would you wait for somebody else to warn you, rather than make a decision for yourself to avoid it or mitigate it? Given the amount of rain we'd experienced over recent days and the fact that a lot of leaves have fallen, it shouldn't really have come as a surprise. My home is above the flood level, my workplace isn't - we had around a meter of water in the premises, but we were prepared and nobody got hurt or stranded, and as far as I know none of us is blaming Amey / Council / Brexit, it was a very unfortunate combination of natural factors.
  14. I like true street art, I see it as a completely different thing to the illegible untidy tagging that is everywhere around us these days.
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