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Technically the rule says you must declare whenever you cross the border with more than $10k in currency. Technically that means bank draft, cash, etc. and they will make you fill out some forms designed to combat money laundering, etc. The best way to buy a vehicle is probably with a bank draft and you can keep that in your wallet and either tell or not tell them depending on your mood. Keep in mind they may want you to verify that draft before you take their car away.
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I'm old now - boring street cars and sweet race cars.
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