This is helpful - thank you. I think that my gearing only contributed to it, I am still awkward where shifting is concerned and was probably in the wrong gear combination - and didn't shift in the right direction when I tried. It was quite the unexpected surprise!
I checked out Sheldon Brown's site on the question of squeaking brakes and apparently the noise isn't a bad sign - or at least he didn't consider it as such. The dirt, or whatever it is, does have me wondering. I will check out a couple of websites for pictures to make sure that my brakes are hitting the wheel properly... though at this stage I don't know that I want to adjust them since I don't know what I am doing...




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