BILL - You can change the rear ones without removing the wheel. Never tried it on the front ones, but it is easy enough to remove the right caliper with the front wheel on. You just need a regular screw driver (fairly large tip) to remove the cap screw that holds the pin in place. Then a hex key (I can't remember the size, I think it may be a 5 mm) or a socket with a hex key in it (like Sears sells). Remove the lock screw, remove the pin and the pads basically fall out. The biggest challenge is getting the pistons pushed back into the caliper. Best to take an old toothbrush and clean up the sides before pushing them back in with a clamp, screw driver, wrench, pliers or whatever else works for you. A good pair of channel locks usually works if you can't do it by hand. Hope that helps.