New from an online merchant, or used from a private seller, you can run into added expense for repairs, adjustments, and parts. Many repairs are easy to handle on your own, if you are mechanically inclined, and you can find online "how-to" information and video tutorials to guide you. In addition to Bikes Direct, you can also keep an eye on Performance, Nashbar, JensonUSA, REI, and many other merchants with a presence online. You can look for their special discount promotions (can translate into big savings), and sign up to receive e-mail notification of special promotions. The bikes arrive at your door in their shipping carton. Shipping may be included in the price (Bikes Direct), or could run $35 to $40+/-. Figure the final price will include the price, less promotional discounts, plus shipping and handling. Many times they just need minimal assembly and a few adjustments. Good to know how to true (align) a wheel at least. You can also take a look at [censored]'s Sports, The Sports Authority, R.E.I. and similar retailers for bikes at a discounted price. A good LBS will correctly fit you to a bike, set your bike up for you, make all necessary adjustments, give you a 90-day check-up to re-true the wheels and take up cable slack. They will also handle any warranty issues. You can sometimes find great deals on leftover bikes at an LBS. Many also offer affordable, decent quality entry-level bikes that enable them to compete with other merchants. They might even have a deal on an older, used bike. If you do get a used bike from a private seller (garage sale, rummage sale, Craig's List, a trash or dumpster find even), and need parts...Niagara Cycle Works, Nashbar and JensonUSA have some pretty decent prices. If you do buy used, try to look for a bike that was pretty much bought with good intentions, but not ridden much. Check to make sure the wheels are true (spin them and make sure they don't weave from side to side between the brake pads, or up and down above and below the brake pads), check tires for cuts and wear and dry rot (cracking sides), look over cables for fraying and rust. You will probably still need to oil and regrease alot of stuff, which is normal maintenance anyway. Parts should not be mismatched. Try to avoid "frankenbikes" that have put together from parts from a bunch of different bikes. As for older bikes, old doesn't necessarily mean good. They made alot of lousey bikes during the "bike boom" a few decades ago. They also made alot of really great bikes since the end of the "bike boom" era. Good Luck.