After 30+ years of masonry, I finally gave up that trade & retired to a very small town. Gone is working as an employee & as contractor of masonry. (as a living) Financial adjustments came quick, first & foremost was vehicles. Being fortunate to live in a small town & retired, I bought a bicycle, my first since 10 yo. Grew up on dirt, ya know. First model year of XR-75 & all. (wealthy parents, thanks mom & dad) Purty old guy. Well, I settled to the 1996 Toyota 4x4 for keeps. All else went. But, ever since switching to a bicycle, that Toy hasn't been started in 6+ years. I cheated though with the bicycle. Front e-hub motor 48volt, Headway 16ah pack. For two years I kept up the insurance & tabs for the Toy, but never used it. At all. So, dropped it completely. Dunno, about $60 per month for insurance. It adds up. Gotz a Schwinn Chopper bike & a Trek mountain bike sharing the pack, as I choose. Both have 48volt front hub motors. I'ze gotz ta tilz yaz. (haha, see that 'punk' type?) It's great to have electric bike options. Pretty much no maintenance & some one with same set up as mine does 50 miles per charge for 5 cents cost of power in San Fran. I don't have fancy meters & such. Don't care in my case. But, 2 mile round trip to fetch beer, oh at least 10 times. Have a great day, Merry Christmas, and a very good New Year.