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Sorry, but you're wrong. Your 'comparable price estimates' are the ORIGINAL MSRP's from the late 1990s.
People have been nice about it but you are dreaming. This is worth nowhere near what you think it is. Look at the link that I listed on eBay.com.
Nobody in the UK gives it a shit about Schwinn. It's glory days are in the distant past and people in the U.S. are the only ones who really collect Schwinn's and even then, this isn't as desirable as you think it is.
As per LFGSS rules, if you post it elsewhere, you cannot have it posted here.
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So you join LFGSS a month ago, make a post about getting some information on the bike.
"Hello everyone! I am a guest posting here as I inherited a vintage mountain bike and, as I will be leaving the UK soon, want to identify the bike / its parts to prepare for selling it. I unfortunately don't know much about bikes so I appreciate any help! What I do know though is that it is apparently a very nice bike full with desirable parts that especially collectors might be interested in. "
Now you claim over the years you have invested hundreds into the brakes and shocks... yet the straddle wire on the brake is clearly old, the brake pads don't look new & i highly doubt the shocks have been touched. Looks like cable inners and outers have been replaced along with a quick wash.
Absolute chancer!
Thanks for the feedback, guys! I did mean it when we said we wanted to hear thoughts on the price and consider lowering it, so fair enough. I think @hippy got it right in that it's a niche vintage bike, so price estimates are hard to come by and its value is subjective. Schwinn 1995 Homegrowns are not listed or sold often, and plus, we've heard from multiple interested bike mechanics who are familiar with these models that it'll be worth lots to some and not to others. Often, when we bring it into the shop or ride it around, people will take photos of it and say similar things.
We've seen comparable price estimates on Bikepedia: ([1] https://www.bikepedia.com/QuickBike/BikeSpecs.aspx?item=32639; [2] https://www.bikepedia.com/QuickBike/BikeSpecs.aspx?item=32640). Like the link from @hippy, frames alone are listed and sold for hundreds of pounds (1995 bare frame listed here https://www.ebay.com/itm/224555565293?hash=item34488e00ed:g:2M4AAOSwS7hhA1gR), and we've invested hundreds in tuning up the bike, esp the shocks and brakes, over the years. So along with the unique combo of custom add-ins, we thought to start there.
We're happy to lower the price substantially for a best offer, and it seems like we just need to find a buyer who's a good fit who's already very interested in vintage Schwinn Homegrowns as a collector's piece. We'll keep posting elsewhere, happy to hear honest feedback.