First off Dancer, to insure your safety ALWAYS WEAR A HELMET, no matter the size/height of a bike. I think possibly Orchid might agree with me and she is the expert. My DIL works for The Community Enrichment Program and has for 14 years now. Thats where head trauma patients go for therapy and she has seen hundreds of people with permanent brain damage due to bikeing accidents, falling off etc.

Place an ad in your local paper under WANTED: Bike, and the description. Those ads are usually free ads. I personally bought just a plain old fashioned 26 inch girls bike. I didn't want to have to fool around with all those gears on the newer models.
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