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What do I have here? Truss frame Miami built Flying Merkel?

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I don't know anything about early bikes, because all my other bikes are balloon tire bikes. When did they start using metal clad rims? What would be the correct rims, and hubs on my bike?
 
It came with one pedal.
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Would the big "O" suggest a 1920 model?
The Simmons head badge is likely original, perhaps painted gold during a repaint effort.
 
Can somebody narrow down the year? Miami went out of business in 1922? It's got metal clad wheels with ND model C rear hub. No chain adjuster screws, double fender braces on the front fender.
New Departure Model C was late 20’s early 30’s. Wheels might not be original. With those fenders I’d say early 20’s, but I’m sure other Cabe members with more knowledge will chime in soon and correct me!
 
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