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First thing I would suggest is to find a local bike shop. Not only will it already be assembled, many would let you test ride it too. But unlike Walmart most bike shops will make adjustments and service the bike LONG after the sale. Both of the local bike shops I have used have free lifetime adjustments, and that isn't going to happen at a Walmart.
What most people miss when trying to save a few bucks at the Target/Walmart/department store bikes, is that they miss the knowledge base. What you might save on the initial purchase could easily be offset by the price of the first adjustment. Most good bike stores also carry starter and low end products as well, and they are usually far far better buys.
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