THIS is How I PAY for My SUPERCARS! Let's Talk Finance | SHMUSEUM VLOG 86

It's an immensely complicated topic, but let's talk about the finance side of my car collection! There's no single rule of thumb with a mixture of cars that I own outright, or finance in different ways, but with the inbound Zenvo TSR=S it's a very relevant and important subject.
First up, we have a delivery of a full pack of timber with thanks to Holmes Hill Shepherds Huts that's going to kick start our office build in the near future, a special thanks to them:
holmeshillsh.com/
/ holmeshillsh
Then we need to clean and tidy up the SLS AMG Black Series fresh from its arrival home after Avantgarde where unfortunately due to a burst water main on their road, it was not possible to have it cleaned before. Before we then have the departure of the Rolls-Royce Ghost Black Badge that we've rather enjoyed in recent days.
After the SLS wash, it's onto the main topic of the day, car financing and more details behind the ‪@Shmee150‬ car collection following a recent touch onto the topic in connection with the imminent arrival of the Zenvo TSR-S. These topics vary dramatically from country to country and person to person, so it's only possible to speak from our experience with these cars on the subject of car finance. Other than the cars with direct manufacturer financing, Krish from Approved Motor Finance has been responsible for all of the Shmeemobiles. You can find much more information about AMF here:
www.approvedmotorfinance.co.u...
There are a few more of our 1:64 scale model cars from Tarmac Works and Mini GT, which are available here:
bit.ly/3v3BOSF
You can also find the Topaz car care products here:
topazdetailing.com/collection...
Thanks for watching!

[@Shmee150]

Car finance is very complicated and different for every person, but hopefully it's of interest to understand a little bit more of how I manage the funding behind the Shmeemobiles. More info at www.approvedmotorfinance.co.uk/shmee150

[@AleksandrHalas]

this is really very interesting

[@87plank]

I was thinking about a video on this topic. Are there things you need to do apart from YT to fund the lifestyle? Or is YT enough ? I genuinely appreciate the honesty.

[@user-od9iz9cv1w]

What you didn't touch on is the use of the cars to create KZbin revenue. You must be using the cost of the financing and maintenance as an offset against income generated by your business. You may not want to share those details, but if you speak about the benefits of financing, you should give the complete picture. For personal use, I think financing a depreciating asset is a bad plan. But financing an asset that generates revenue is a good plan. Those that confuse the two may be in for some learning moments that may prove expensive. Also, financing an appreciating asset is a very good plan if you are into leveraged investments. In Canada where I live, your principal residence is a tax-free capital gain. In an appreciating market, financing your home is a way to leverage a tax-free gain. In a down market, it is a great way to go bankrupt. I believe your background is finance, so you no doubt have a strong base to draw on.

[@hva4897]

Dislike way too many commercials

[@bebin73]

@@user-od9iz9cv1w I doubt he wants to reveal what he’s making in KZbin revenue, but knowing what other people make with similar channels and #’s of followers, it’s in the multiple millions per year. You’re correct on the financing of depreciating assets, but he’s not buying Toyotas and Hondas. At least half the cars in his collection are worth a bit more than he paid to double or triple what he paid. Those are the cars he uses to borrow against. The others he owns outright, or keeps for a while then resells to break even or make a small profit (G-wagen, Porsche, M8, etc)

[@dsr874]

It's incredible to think that the unboxed Mercedes Lego is more valuable than the 1.2 clio with some change left over! More and more envious of that lego collection each time you show it! Incredible stuff as always!

[@APNelhams]

One topic I’ve never really heard you discuss Tim is what orders you’ve had that you’ve cancelled. Would love to hear what you might have added to the garage! All I can think of that you mentioned are the TVR and the Fiesta ST

[@TheShmuseum]

The only one in the last 10 years not on your list is the A45S, I've not cancelled anything else

[@ethanyotter7874]

Good point- what ever happened to the tvr?

[@nathanthomson777]

@@ethanyotter7874 tvr literally just taking peoples money plus there making an ev model of the same one which I bet won’t happen either

[@samuelkletz6708]

@@ethanyotter7874 it’s called scamming people out of a lot of money

[@sabersz]

@@ethanyotter7874 TVR got bought by Russians, and the factory is yet to be built I think. The Griffith has been in Forza Horizon 4 since late 2018, and the real car STILL isn't in production! That fact just baffles me.

[@khoanguyenavia]

22:18 Tom calling Brad a muppet makes me laughed so hard

[@pablochocobar074]

This is the kind of video i like apart from usual car stuff🔥 i hope you guys make more videos like this in future

[@mattiparviainen607]

What an great Empire You have built by yourself; cars, selfemployment, shmuseum and colleagues/employees etc. Car enthusiast DREAM !

[@claudioagmfilho]

🇧🇷🇧🇷🇧🇷🇧🇷👏🏻, Awesome video! Finance was complicated and unique to each car. But overall a great video to be completely honest. Can't wait for the ZENVO to arrive as well as the GT 500...

[@HellcatDreaminJosh]

The Shmuseum Great Video I'm glad tim talked about the Financial side of his Collection and I can't wait to see his Zenvo TSR-S

[@skateboardz]

NO WAY! Long live 'Humble Corner'!! Great vid as always chaps!

[@sorenslothe]

Given how far in the future you usually have stuff planned, you probably already had the repair and cleaning bits from the last and this video in the works before I commented asking for it recently, but it was great to see a bit of it regardless!

[@AmeerHamza-nv2ei]

Hi guys! It's always a great day when there is a new shmuseum updload! Sorry i'm late! Great video as always! Tom, you have earned legend status along with Tim for me bro! You should have your own youtube channel at this point? Also Tom, what car do you own? Also tim NEEDS TO BUY A ROLLS ROYCE!

[@gandalfkenobi007]

Love seeing the notification of a new video pop up. Keep up the great work please guys!

[@TheShmuseum]

Thanks! Will do!

[@oscarrose7148]

I literally always wondered this cause I couldn't find anything on your channel about this. Great to know now and your doing good!

[@TheShmuseum]

Hopefully it's interesting to hear about

[@ananyobrataroy6755]

Very much needed video from a var collector 🙌🏽🙌🏽🙌🏽

[@kevindillard1929]

I love seeing and hearing from your crew

[@tomchloe3208]

The SLS is my favourite, bloody lovely

[@xscreamsuk]

You have the two essentials, a raceglaze filter and a Big Boi, That will really help with water spotting and drying those nooks and crannies. But a big drain in the second barn so you can do this inside would be ace.

[@everythinggtube]

One of the questions I’ve been asking myself a lot .. thanks for clarifying w video

[@TheShmuseum]

Hope it answers your questions

[@francala6932]

Finally, I’ve been waiting for this video for so long!!!

[@TheShmuseum]

Enjoy

[@dougdavis169]

Once again great content. Looking forward to all aspects involving the zenvo .when might one expect an update on the 296.

[@peterkirton4580]

I think I would have sleepless nights juggling all the outlay when income varies year to year but you seem to be doing OK

[@michaellynnparris2954]

Glad you have the sls back looking stellar 👌

[@TheShmuseum]

Thanks 👍

[@Torchman-]

They listened to me! In a previous video I asked for subtitles. And they are here now!

[@callumdean]

The sound of the sls is absolutely mental. Sounds so good

[@danetuesley5410]

The best thing about the lifts is if they do have a slight oil leak then it’s not dripping onto the car below

[@vFoxyy]

I love hearing about the financial side of things with anything it's ways interesting to hear about these things

[@mikeaddison5216]

Really enjoyed this vid on the numbers, however one thing that would have been interesting as well is insurance. Eg do you have to insure each car separately or is it one policy for all. Not sure if you have ever talked about this before might be an interesting new vid. Keep up the good work

[@bebin73]

With all of the buildout you’ve done I don’t know why there wasn’t an enclosed wash bay built. Could have built one outside (covered with a couple of side and back walls) or built one inside with a drain and a shower curtain type track around the entire car. Or build up 4-5 feet of cinder blocks around the wash bay. This way it can be heated and air-conditioned.

[@lloydbellis7360]

Really good information. Good fun as usual. Thank you 👍👍👍👍

[@TheShmuseum]

Glad you enjoyed it

[@clansman66]

Very enlightening regarding finance, it’s almost like playing in stocks and shares but ultimately you enjoy every car even if that effects value, you don’t do garage queens, but if you were to have a Shmuseum car that you just couldn’t risk driving, what would it be?

[@thecremeegg]

That SLS Black is the best looking car ever I think!

[@rickbdatsun]

Love this channel and I can't believe you don't have more subscribers!

[@bling1634]

Awesome vid and when Tom called Brad muppet that was pretty funny

[@grachtschrap]

I find it interesting you can't see the back tyres trough the mirrors on the SLS. I remember once driving a RCZ R and it had the same "problem" but it had an option that made the mirrors go down automatically when shifting to reverse, pretty cool.

[@sugarsaint]

I think RCRz are underrated - lovely cars

[@fit_pharmd4830]

Tom has the best job as the Sheemobile Curator. Yes he has to wash and maintain the cars but if you are a petrol head that type of stuff is fun. I hope he stays on for the long term.

[@rocketbear1064]

Anyone else notice how the banners match the cars in front? Red F1 banner behind the red AMG GTR Roadster, AMG banner behind the SLS, orange Le Mans banner behind the crazy bright Lotus, dark (slightly blue?) Nürburgring banner behind the DBS, blue banner F1 banner behind the Vantage GT8, and finally an orange McLaren banner behind the Herritage Edition Focus RS. All the little details 🥶

[@gabb05]

interesting, the way i understood it is that it's like thinking about the cars as company shares and selling some shares in the cars to buy other cars...clever stuff

[@Joolz1982]

Very interesting not sure what you did with buying the car then re financing on the SLS Black Series for example, but I like that idea. Did not think also about depositing for PCP balloon payment good idea that. Thanks for sharing Tim.

[@MrCanadabacon]

This side channel has a nice laid back vibe to it

[@Tristanbirdyt]

Good afternoon Shmee150 how are you doing I have to say I love your SLS that sounds incredible 💜💜

[@philcliffe6909]

SLS paintwork is stunning.

[@KeriBeal]

Love the box of Nerds on top of the display cases 😃

[@jt-2286]

Tim, I see Tom with a litre bottle of Bilthamber Korrosol or Autowheels. I believe that fallout products are damaging to porous metals such as carbon ceramic brake discs. It contains Thioglycolic acid which is PH neutral until in contact with brake dust where it then turns the purple colour. I would suggest using only wheel soap and pH neutral wheel cleaner or even and all purpose cleaner, you ceramics don't give off the same debris as a steel rotor and are less damaging to the alloy.

[@sliq882]

The SLS next to the Lotus is the most amazing color combo

[@Dejan_23Unlimited]

🙏 Happy for you, man.

[@jamesrapp9778]

Cheers for the video guys 😎👌

[@robloxfan4271]

ah i was looking for this vid, thanks tim and his accountants for posting this!

[@TheShmuseum]

Glad you enjoyed it

[@danieljolley9319]

Thanks for sharing the lego puzzles sets very fun garage collectables..:)

[@stevehines5256]

The RR Ghost is a fantastic car…hope the Shmuseum has one in the near future

[@Metal05]

Beauty must be in the eye of the beholder. RR for me are as ugly as…….

[@MarkAldrich74]

So basically, apart from a handful of cars, all the rest of the collection is on finance. My one concern about this business model is this:- What happens if the market were to crash? Would you have to sell the majority to clear the finance payments? I know you choose cars based on what will get clicks & views (hence why the GR Yaris didn't stay around, because they aren't sold in the US & so didn't get the clicks & views). One other thing, you're paying a load for the finance on the fleet, but what does it cost to insure all of them? Are they on limited mileage policies? One other thing, the way this financing works essentially means that you're "remortgaging" to fund the new purchases (in house buying terms). Are the cars then effectively on "buy to let"?

[@bg22757]

"My one concern is this" *Lists a few things "And one other thing" "And one other thing"

[@MarkAldrich74]

@@bg22757 that's what happens when you start a reply & don't go back to self-edit before posting!

[@prospect8696]

Finally, someone else who sees this like I do.

[@shaking6360]

If the market crashes or subscribers are losing interest: He has a problem.

[@bg22757]

@@shaking6360 I'm sure he has plenty of money all over the place

[@benmccarthy7798]

Can’t wait for the Zenvo it’s an amazing spec 😎

[@bebin73]

That’s going to be his worst purchase from a financial / investment perspective.

[@bpaul1201awesome]

@@bebin73 how so?

[@bebin73]

@@bpaul1201awesome they have been depreciating heavily and the co hasn’t delivered hardly any. Not a very high demand car and for the $ people are buying other things. I’m sure he’ll make $ from KZbin videos with it but not enough to cover the very high cost.

[@tombittikoffer412]

The GT8 needs to be the NEXT Tarmac Works car. The GT BS would be as good. THANK YOU for getting these little guys going!

[@tomtaylor7549]

Personally I think the GT8 should be left as it is

[@YepYepYepYepYep]

I think these are very interesting videos as the majority of people that watch these car videos, are no where near the position to be able to be In themselves so the numbers are always really a guessing game!👌🏽👍🏽👍🏽

[@dphotos007]

You could always put up a portable tent outside to wash the car. Can I suggest building a routed 4 lane slot car track in your new garage? I belong to a slot car club in Southern California. It is such a fun sport racing with other friends.

[@thebucketofawesomeness8700]

You need to get some LED’s in those cabinets when you get them into a permanent place, can make them look really nice and they don’t get lost int the dark

[@williamrogercummings277]

A little finance information is very welcome, but gets more sophisticated with car values increasing on some and regular depreciation on others.

[@edwinpostma0640]

You have some really stunning cars. But the sls is the best looking. So agressive but also in this color so classy. I love it

[@TheShmuseum]

Glad you like it!

[@nickfilleul3463]

I'd be interested to know how you manage the files and paperwork,invoices and servicing and maintenance schedules as the collection grows. A bespoke spreadsheet, an app? Filing cabinet?

[@wellsyandcars]

You need to get some Sams Detailing drying towels. Honestly they are epic and set a car quicker than anything I have seen.

[@HQBProductions]

Tim…astonishingly honest and forthcoming as always. Whilst we can understand how some cars are financed, the huge elephant in the corner is thinking, how much in total do the monthly repayments come to? Then we see the road trips, the travel costs of fuel, accommodation, the air flights, the huge cost of the SHMUSEUM, the salary bills and then general running costs of the cars, the buildings….and even lifestyle. All VERY personal information but in total simplicity…Outgoings £50,000 monthly, Income £70,000 monthly = happiness….other figures may worry though. What I AM sure of is that you are a careful and calculating man so I guess the commitments work out and income balances, whatever the sums actually are! 🤔🤔😬😬😐😐😐😱

[@1983dmd]

His father was here before him...

[@istike29]

love to see the sls back

[@iainf6]

hi lads, lots to do to get ready for the Zenvo 👍😉

[@seal_agera1161]

Have you thought of putting an interior washbay in the second barn so cars can be washed in the winter and on hot days?

[@christaylor4946]

Topaz style

[@TheShmuseum]

Yes, and building it is not going to be cheap at all. It is not the first thing on my list.

[@jamesthesilver]

​@@TheShmuseum this is definitely Tom, no one else takes themselves so seriously

[@arthursantanna675]

Never seen Tom as sad as he was when saying goodbye to the Rolls

[@kymcha]

Yes, I had visions of him taking off with a big police chase ensuing.

[@milanstefanicka7256]

Tim the Lotus color is sick 👌. From your collection you like brands Mercedes, Ford and Aston Martin. You have the most cars from this trio. 🙂 When is coming to your garage the Zenvo TSR. Are you gonna buy some porsche? Dont you want replacing your G wagon? I miss the car. Take care and Good luck

[@julianbell-roberts4444]

From car washing perspective, would it not be good to get an retractable outside awning or set up a inside wash bay in the new unit?

[@pauljohns4013]

what will you do for cleaning when you have a hosepipe ban?

[@lamedude3332]

Carpenter here, looks like you got a good bundle the 2x4s I gotta pick through are awful

[@mkprivate7523]

I love ¨The Humble Corner¨...

[@bebin73]

Good video. I don’t know if you can discuss KZbin income or not but a more in-depth discussion on financing would be interesting. A lot of people think you just go get loans for cars then drive them around and pay the loans off somehow. From the comments they don’t understand finance at all. They don’t understand KZbin is paying for the cars (or the cars are paying for themselves). What you are doing with your vehicles is exactly how people buy investment properties - they use the banks money at a low interest rate and they take the rest of their money and invest it in things that make them passive income. Then take the passive income and buy more things that bring in passive income. Use leverage on items that have a higher value than the loan balance. Smart debt!

[@SCYorks]

Glad everything I have worked for in my 45 years is all paid for but each to there own.Nothing wrong with credit as long as the payment's can be maintained personally I couldn't live that way but fair play to you for achieving what you have and managing a collection of quality cars.

[@JUAN75001]

I'm the same way brother I couldn't sleep with all that debt.lol I'm looking to start my own real estate business flipping luxury homes and my dream car is a Laferrari so I will save some money on the side every time I flip homes so I can buy it cash and not have to worry that if the market crashes and I can't pay the monthly payment. It will hurt me if I lose it so that's my plan.

[@prospect8696]

Can you honestly say you “own” these cars? The bank “owns” my house until I pay it off.

[@Mad_Intalect]

Problem is, even if you can maintain the payments, life can always throw you a curve ball that messes up everything...God forbid. I know because I've experienced this personally. Thankfully I managed to find a way around it.

[@1983dmd]

Why worry ? It is the banker who has trouble sleeping at night...When you understand that, it is so much easier.

[@cedrictaylor08]

Would you consider red challenger or the charger or the evi super car coming out

[@readrepairs]

Great insight re the financing. Any idea what the longer-term aim is for the collection?

[@robertdurrance8161]

the blue sls is probably the nicest car in your collection

[@FrankySilverFace]

You need a canopy. I don't even wash my Toyota in direct sunlight. Sun dried water spots suck!

[@andromeda9562]

@Shmee150 are you gonna let a model maked from the zenvo what oyu did with the Senna?

[@MrScientistguy]

What water softener is that you use to clean the SLS?

[@ScottPC]

Personally with my M140i I saved a 50% deposit, got a bank loan at 2% for the remainder. When I brought the car it was 2 years old and thankfully due to covid is currently still worth more than what I paid. Finatually ALOT cheaper than BMW finance which quoted 10.9% APR which is bonkers.

[@360FAMOUZ360]

This^^ this is how to buy used cars in the real world. This is what everyone should do

[@ScottPC]

@@360FAMOUZ360 hence I wrote it! Most sensible thing to do if you want a 20-25k car

[@kelvinblake]

Hi Tim, please don’t sell the DBS. It’s such a classic car. Great to have the SLS back and it’s looking fantastic and I’m sure it sounds louder.

[@CYDRDH]

The mirrors guys, the mirrors. May be I’m being very stupid here but this is a trick I’ve been using my whole life and may be you never thought of that. So I’m just sharing. If you turn both your wring mirrors down you could just back up any car to anywhere. Especially if there are parallel lines visible to align the car. And once you get used to it and your brain calibrates itself for driving a car that way it becomes a piece of cake. And it is much better than the distorted views of back up cameras

[@sebastiaanroos2761]

Hi Tim, can you maybe tell us a bit more about the business side of things? Like what company’s do you invest in and why? Or real estate? Or other things? How do you generate income? Would love to know that. I think we can al learn something from you.

[@alexbrookes1077]

It's quite funny having the SLS BS parked next to the lotus Elise, just show how small the lotus is to the other supercars in the garage

[@MontyStreet]

Any thoughts on an interior wash bay in the new unit? Or at least a covered one out of the sun…

[@FoxyEmGee]

Please change the e500 centre/side lights to white bulbs... To match the xenon's

[@edudilascio]

Hi Tim. How about having a 5 windows VW Bus in your garage? Is the automotive equivalent of a Labrador, bringing lots of smiles, all the time.

[@georgelonergan3761]

You should get a filtered water tank for the v2 barn

[@stevenhawkes9471]

Can’t imagine the anxiety of being that much in debt. I like paying cash for everything I have. This way I own it and I have no worries if anything were to happen.

[@andybradshaw5971]

Me too. Got myself into a lot of debt a few years back, have paid it all off and now won't entertain any form of debt.

[@8yn815]

Same here. I buy what I can afford to pay cash. I guess this is not how you get rich but it definitely doesn’t keep me awake at night.

[@bebin73]

His debt is smart debt. And he has money coming in from KZbin, made by owning the cars. What he’s doing is exactly what people do who invest in real estate. If you wait to buy a property until you have cash you’ll buy two or three in your lifetime. If you use the banks money you can buy three or more a year. You will always have 20% or more equity in a car / property, so you can sell it if you needed to pay off the loan. And with real estate you rent out the property so guy have income to pay the bank note. It’s more complicated than that, because you have to buy the property for a good price, don’t buy something that needs a ton of work unless you factored that into the purchase price, and make sure that it brings in a proper amount of income. I have one property I paid $80k for, it brings in $1,700 a month in rent and my bank note is $609.24 a month. I couldn’t care less about the bank note as the property brings in a great monthly rental rate, and I could sell it tomorrow for $130,000 or better if I put it on the market. That’s smart debt. It pays for itself and is worth far more than I owe. Bad debt is buying a tv on your credit card and paying 20% interest. The tv doesn’t bring in any income and it’s worth nothing if you try to resell it.

[@bebin73]

@@8yn815 paying cash is absolutely not how you get rich. It actually keeps you from making money.

[@H4mbo]

Great car collection and great Lego collection. I’d love to know where those display cabinets were from? I’m looking for something very similar.

[@jamesrapp9778]

Yeah guys get the faster one, I trust you lot...😎👌

[@rafichoudhury926]

2:37 we’ve all experienced it from the front and back 😂😂

[@saifkhandaker3341]

When you pay for the GT500 Tax when it comes to UK do you get any of the tax back you paid in USA when originally purchasing it?

[@benzinapaul7416]

Love the Roller but those wing mirrors........

[@beardedboon]

I hope you get a lot more press cars!! Loaners The more you name call the more i can relate you to the old bbc boys

[@hazzard8760]

Sometimes you just get lucky with finance.. I took my 2021 AMG A45S PLUS in for a minor issue at Mercedes and to my surprise they asked me if I had any thoughts about selling it.. ????. Not really I said . But they told me they cannot get hold of new ones from AMG and even low mileage 2nd hand ones are scarce. So how much is it worth you ask. I originally paid cash.. No PCP's or finance.? I calculated I would have paid £19,400 in finance to date. They viewed the car and checked it over (7,000 miles in 18 months) and to my shock they were prepared to pay me £2,500 more than I bought it for new!!!!. Amazing. Mercedes have effectively GIVEN ME £2,500 so I can drive a car for 18 months and then given me all my money back. The money? I am planning on buying a new revised AMG A45S when it is released sometime in 2023 and the money from the sale is invested ( I did work in the industry for 36 years). Meanwhile I drive my 16 year old trusty Golf R32 until then.. Sometimes it all goes to plan.. So what happened? I sold the car back to Mercedes on a very hot day on Thursday .. Wasn't easy.. but I keep telling myself...its only a car..

[@bebin73]

You aren’t factoring in sales tax, license and registration fees, insurance etc. so you lost money. At $2500 if you liked the car you could have kept it. It’s still a good deal but not a $2500 profit. At best you drove it for free for a year.

[@louis5236]

Brian E. Buxton I mean, he put miles and drove it. Let’s say he spent money for all the things you mentioned, he got the money back. It will always be a win for him since he enjoyed a car for free. Wise move he made, ask Fiat 500 owners how much money they can get back from their cars 😅

[@hazzard8760]

@@bebin73 I agree absolutely.. we all have running costs.. I am not so sure what you mean by sales tax and registration fee costs?. These were all in the price of the vehicle when new and I got all that back. Of course, nothing is ever entirely for free. There is always road tax, fuel costs and annual service but on the face of it I got back £2,500 (or $3,200) more than I paid Mercedes for it. so I am not complaining..

[@bebin73]

@@louis5236 true that Fiats don’t hold value!

[@bebin73]

@@louis5236 yeah you have a point there. Fiats didn’t gain traction here in the US aren’t worth much. Odd that the Mini Cooper did. Although they got much larger as models progressed.

[@MrSiwilks]

Did you ever consider installing a full wash bay inside the second building?

[@mikolv21]

Great video Tim, do you think you'd be able to talk about your story and how you managed to make enough money in the first place to be able to afford the finance?

[@TheShmuseum]

You will find those videos and information on the Shmee150.com website

[@lexusuk7901]

Geezer used to drive a Clio and now he's got a team of dudes washing his SLS. :D

[@michaellynnparris2954]

Get a cart for everyone so can you can have 🏁 races be loads of fun and awesome content 😀

[@michaeloshea7360]

Wow Timothy....the car market is super bubbled....you know that right?....of course you do you are a smart guy...rather thou than me....equity is an interesting concept in the car market!!!....

[@R-Tap]

You need to purchase the registration plate from the delivery vehicle!