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The only truck to have is the Volvo fh16 and make sure you put the 3000nm engine in it also, I find the other makes underpowered I've not bothered doing anything else to my truck. I've just gone on to level 21 and have got 3 peeps working for me out of Dover. The only annoying thing is they don't earn very much money still. I would try not to get loans just stick to doing loads of quick jobs and build your money up it just takes a little longer that's all