Lately, a bunch of cycling newbies have been pulling me aside asking the classic question: “Should I buy a Road Bike or a Mountain Bike (MTB)?” To give a proper answer, I usually fire back with a few simple — but critical — questions: Where do you live? What’s your purpose for cycling? (fitness, exploration, speed?) How much are you …

Mr Old Man: 1/ Yes. A finance company can act as a remitting bank under a documentary collec...