I understand that hub blocking the handlebar is worthless, but it seems to be a good starting point for a newbie.

I made a few measurements. Not exactly sure the right way to measure these, so will tell how I measured.

Saddle - Put a book on top of the saddle and marked the wall along the bottom of the book = 98cm

Stem length = Measured from the center of the headcap? screw to the centerline of the handlebars = 11cm

Stem height - This is probably way off, bottom part of the stem is on a slant, so measured from the center of the tube (bottom part of the stem) straight down to the ground. = 91.5cm. The stem is in the highest position. I did play around with lowering the stem the day after I got the bike, but felt very little difference so just put it back to how it came.

Also just rotated my handlebars a bit so the drops are parallel with the ground and that put me closer.

Also if I change my posture a bit that changes everything. If I bend my arms a tad more the hub is blocked. I don't know why, but my natural position is pretty much locking my arms and then a slight bend. It seems the more I bend, the more stomach muscle is being used.

http://www.bacinfo.com/popup/tips/bikefit.htm

Just like this guy, so seems my natural position is OK, and better than forcing a position that doesn't feel right. And I'm not fat, but my stomach now is probably the weakest it's ever been in my life, I am sure it will strengthen over time and my posture will change.

So based on everything I have said, regarding the frame? Just ride it and forget about all this nonsense? Adjust the stem? Change it in for a different size? etc.

I also realized that the stem has writing on the other side, looks like it could be turned over.

Thanks.