Change and a $20 bill: In case your cell phone’s battery dies, it’s nice to still be able to use a payphone if you need to. Also, the $20 is a great thing to have in case you lose your wallet or have some other mishap. I’d rather be able to sit in a coffee shop or fast food restaurant when it starts raining while I’m waiting for my friend or cab ride, and a hot cup of tea or coffee or the beverage of your choice and a snack makes it all the more pleasant. Just try to remember, this is for emergencies, and if you use it, replace it ASAP!
Brakes come in a variety of designs depending on the age and style of your bike. Rim brakes offer more modulation but have less stopping power, so are more suited to riding on the roads. Disc brakes can provide huge amounts of stopping power so are best suited to off road riding, although ‘V’ rim brakes are also well suited to mountain biking. All brakes use a friction system to stop the movement of the wheel, so regular checks of the contact pads should form part of your regular cycle maintenance.