I'm trying to make a rational, money-saving choice of cars, and I might have a contender

"Textured Soy Protein" (texturedsoyprotein)
07/09/2019 at 10:16 • Filed to: None

My wife and I are talking about saving up to buy a house here in the not-cheap DC burbs within the next year or two. We’re trying to find ways to economize our budget. I should try to get something normal and practical but my mind doesn’t work that way. But maybe I’ve got something going here.

My 335xi has a loan on it. It’s modified, and to do something resembling recouping the investment in the mods, I’ll need to sell it privately. There are various ways I could improve upon the 335xi:

Monthly payment

Insurance cost

Fuel cost

Maintenance cost

Repair cost

Comfort

Willingness of my wife to actually ride in the thing

At first, I had this thought of there are a few too many permanent potholes around here created by road repaving that leaves manhole covers way too recessed from the road surface, and my 335xi hates these, so I’d keep it for another year and then replace it with something fancy like a Genesis G70 or Kia Stinger.

The more we talked about this house buying idea, the more we’re trying to squeeze our budget into where it should be, and my car became an area of opportunity for budget squeezing.

After many fits and starts of crazy ideas that included an S2000 (checks the financial boxes but it’s not comfy and the wife won’t ride in it), a 1st gen CTS-V (cheap pile of crap with a great motor that I’d need to put some work into but the parts are cheap too), a certified current-gen Kia Optima SX (fully loaded version of an airport rental car) and a JDM Toyota Aristo (2JZ engine, no shit, this will decimate all except for drive thrus and paid parking lots) I found my way to the Honda dealer and tried a Civic Si on for size.

I was not prepared to enjoy the car as much as I did.

The Civic Si is what I can only describe as greater than the sum of its parts. It’s not loaded with options. It’s not loaded with exotic performance parts. But the assorted good stuff that Honda mixed in to the regular Civic winds up a very !!!error: Indecipherable SUB-paragraph formatting!!! indeed.

Yeah yeah, the styling is, unfortunate, and the little 1.5 liter turbo motor doesn’t compare well on paper to to the 2.0 liter motors in stuff like the GTI or Veloster N, but I don’t care because the Civic Si is fun and cheap as all hell. Sticker price is $24k and dealers will sell them well under $22k no problem.

The chassis was fantastic. The steering bites hard and the LSD puts the power down exactly how you’d want. The ride is firmer than a purely normal regular car but it’s far from punishing, even in sport mode which makes the honest-to-holy-shit-why-are-these-in-a-sub-25k-car adaptive dampers stiffer, and turns the gauges and dash lighting angry/sporty RED. Silly, but fun.

I might have to go out on a limb and say the Civic Si has the best steering of any new, modern, electrically-assisted power steering I’ve driven in the past few years. Well, neck and neck with the ND Miata, but actually the turn-in feel might be better . Even on the stock sporty all-season tires, the car is so eager to turn in, and thanks to the LSD you can jump on the throttle and power through the rest of the turn. You’re not going to steer the car with the throttle like a rwd car but this is an excellent-handling car.

The comfort though, that’s the great thing about modern cars in general and the Si in particular given how well it handles. The body is stiff enough and everything is lightweight enough that the Si definitely feels sporty but not so much that it’ll beat you up just putzing around town. It handles big bumps and rough patches of road excellently.

How about that supposedly weak motor though? It honestly surprised me. I’ve driven a CR-V with the 1.5 turbo motor and it’s totally different here. There’s a good midrange torque punch, throttle response is zippy, and the gearing is such that you can be perfectly quick squirting in and out of gaps in traffic. Are you going to roast people and leave them in your dust? No. But at no point during the drive did I think, “this is a great chassis that’s let down by the motor.” I even chirped the tires on a 1-2 shift.

Apparently Honda did a fair amount of fiddling with the 1.5t for duty in the Si, and—cue the tired car guy cliche—Honda sandbagged the horsepower number a lot. Hondata, the ECU tuner, did a baseline dyno run where their car put down 205 hp to the wheels, which is Honda’s claimed crank hp number. With the off-the-shelf Hondata tune and no other mods, that number goes up to 232 whp. Not bad!

Oh, and something very smart and trick and cool about that Hondata ECU tune: it’s only active in sport mode. At first you might be thinking, “but I want the extra power all the time!” Well, you’re wrong. Because the Civic Si in stock form, even though it needs premium fuel, will easily return over 30 mpg even if you drive it like an ass. It’s rated at 38 mpg highway! Keeping the baseline stock tune for regular mode is fine and it preserves that fuel economy. If you want the extra power, press the sport button, make the gauges red and angry, and away we go.

Is it a properly quick 12-second 1/4 mile car? Nope! It’s a fast slow car. But it’s plenty gutsy for shooting gaps in traffic and if you go out on a back road it loves putting down the power coming out of 2nd gear corners.

Now let’s talk options, or the lack thereof. There are no active safety gizmos. The only safety gizmo of any kind is Honda’s LaneWatch camera mounted on the passenger side mirror that shows on your infotainment screen when you turn on your right turn signal. But you know what? That’s perfect for me. When I drive my wife’s CX-5, every goddamn time I put the turn signal on and there’s a car in one of the side mirrors, the it beeps a warning BEEP BEEP BEEP THERE’S SOMEONE/SOMETHING IN YOUR MIRROR BEEP BEEP BEEP! The problem with this is it sets off my wife if she’s riding shotgun, and if I’m trying to make a decent pace through a busy highway, I change lanes a lot. In the Si, there are no BEEP BEEP BEEPs, but that LaneWatch camera will make my wife feel safe without being so irritating.

Otherwise, you’ve got manual, heavily bolstered but comfy cloth sport seats, the usual infotainment system with decent menus plus Android Auto and CarPlay, the upgraded amp & speakers from the higher Civic trims, assorted fake carbon fiber and red accent trim throughout the interior, a sunroof, and that’s about it. You can get an auto-dimming mirror as a dealer accessory. The gauges though are cool. They’re a full screen setup and have fun performance-y screens you can scroll through including a shift light, g meter, stopwatch, boost gauge, and even a combined throttle position/boost gauge. Nothing absolutely essential there but a nice touch.

Outside of the lack of options, there are a few minor downsides. The pedals are crap for heel-toeing. The gas pedal isn’t floor mounted, it’s small, and it’s set back from the brake way too much. The first few times I tried to heel-toe the Si, I failed miserably. Eventually I adapted my technique but it still wasn’t great. Thankfully, sporty Honda aftermarket being what it is, there’s a !!!error: Indecipherable SUB-paragraph formatting!!! !

That right there would be my very first mod on an Si because the heel-toe situation from the factory is garbage. Speaking of shifting, the clutch is super light weight with not much feel. It’s an on-off switch. But it’s predictable enough that as long as I got this gas pedal fixer kit I’d have no complaints.

Oh, and there’s an infernal electronic parking brake.

Basically, the Civic Si is a fun, fun, fun back road car with enough power to be useful knifing through traffic, that’s otherwise a perfectly practical not-so-compact compact sedan. Sure it doesn’t have every single option and the racy-looking front seats are a little on the narrow side, but man, for a truly fun practical daily driver kind of car, I was thoroughly impressed.

Anybody want to buy my 335xi?

DISCUSSION (48)

E90M3 > Textured Soy Protein
07/09/2019 at 10:25

I’m also trying to cut my monthly expenses because I’d like to buy a house in a year or two. It was one factor that went into me just paying off the 3.

Long_Voyager, Now With More Caravanny Goodness > Textured Soy Protein
07/09/2019 at 10:26

If you’re trying to cut expenses, buying a newer car isn’t exactly the way to do it.....

Textured Soy Protein > E90M3
07/09/2019 at 10:28

Housing costs here are so high that we’re not really in a position to pay off the loan on my 335xi. I can recover at least some equity if I sell it privately though. The Si even bought new will hold its value, especially since my commute is only 10 miles round trip. It helps balance the budget and if/when it becomes time to move on from it, it won’t create a financial hol e to dig out of.

merged-5876237249235911857-hrw8uc > Textured Soy Protein
07/09/2019 at 10:29

So you’re going to save money by buying a new car? How does that work? I would think to keep what you have and pay it off would make the most financial sense. And if it’s modded, can the mods be put back to stock and sell off the mod parts?

I’ve never seen it work out to where buying new saves money. I know I can make a lot of expensive repairs to my cars for less than what a 3 year loan car payment would be on a 25k vehicle. But if you’re just tired of the BMW, then by all means go for it. It just doesn’t sound like you’ll save anything?

Sovande > Textured Soy Protein
07/09/2019 at 10:30

Only downside will be that you have to look at it for a bit before you get inside. And man, it’s not good to look at.

BrianGriffin thinks “reliable” is just a state of mind > Textured Soy Protein
07/09/2019 at 10:30

How...how would a new (to you) $22-25k car save you money over the 33 5xi? You still owe more than $22k on it?

If you’re looking to buy a house, I’d say try to find something quite a bit cheaper so that you don’t have to carry a loan, at least when they’re looking at you for the mortgage. Good luck, I looked at houses in DC for about a half second before deciding it to be crazy.

E90M3 > Textured Soy Protein
07/09/2019 at 10:32

Housing costs aren’t crazy around me, so I’m in a bit of a different position . If I was really strapped for cash, I could just sell the M3. That would cut down on a decent amount of expenses as well.

Textured Soy Protein > Long_Voyager, Now With More Caravanny Goodness
07/09/2019 at 10:32

How to put this delicately...

We need to save money, but we still make good money and I want to drive something I like.

I could get something really cheap and used but the point here is if I got an Si, it saves us a good couple hundred bucks a month or more in payment, insurance and fuel, plus it has a new car warranty with no surprise big repair bills waiting to happen. I t’s something I could see keeping for several years and if something changes, that Honda lack of depreciation makes it easy to get out of.

HondoyotaE38: A Japanese and German Collab...wait a minute > Textured Soy Protein
07/09/2019 at 10:33

If you get an Si, promise me you’ll change the front and rear bumpers to the ones from the ‘19 Civic Sport and take the Si coupe’s spoiler instead of the one on the Si sedan. Ridiculous, unnecessary, stupid and more unneeded money spent? Sure, but at least it’d look 100x less garish and you’ll still have the performance of an Si. Case in point: https://oppositelock.kinja.com/the-civic-sport-with-an-si-coupes-spoiler-looks-better-1834815034

Tripper > merged-5876237249235911857-hrw8uc
07/09/2019 at 10:33

Came here to say this. If you save here it will be on the monthly payment (maybe) after you’ve factored in the time investment it’s usually a wash.

Textured Soy Protein > merged-5876237249235911857-hrw8uc
07/09/2019 at 10:35

Freeing up the cash to pay off the BMW isn't feasible for us right now since we're trying to keep as much in savings as possible. But the Si could save a good couple hundred bucks a month through payment, insurance and fuel costs.

Arrivederci > Textured Soy Protein
07/09/2019 at 10:37

This doesn’t seem like a good plan.

If your goal is to actually cut monthly expenses, you can sell your BMW and use the equity in that to buy something inexpensive. A $25k Civic doesn’t qualify as inexpensive, unless you have $20k equity in the BMW.

Replace your desire for a house with my desire to pay for daycare and I was in the same position a few months ago. I sold my S3, used the equity I had in that plus the proceeds from selling modifications plus some cash from savings and bought my GS350 outright.

The way I looked at it is the GS helps me get me where I actually want to be. I loved the S3, but it wasn’t lighting my hair on fire - I want something fun, like a 911, Cayman S or a C7GS. It wasn’t any of those, so why keep it? The GS should be reliable for years to come and can serve as a daily once the kiddo is out of daycare and the family budget looks healthier.

Also - as someone who works in the finance biz, when you apply for a mortgage, they love not seeing car notes on your credit reports.

Textured Soy Protein > BrianGriffin thinks “reliable” is just a state of mind
07/09/2019 at 10:38

I don’t owe more than 22k but the monthly payment is enough where between that and the savings on insurance and fuel it’s a nice reduction in fixed expenses.

My credit is perfect and my income is high enough that I’m not concerned about a car note affecting the mortgage.

412GTI > Textured Soy Protein
07/09/2019 at 10:39

The new Civic Si is a surprisingly great little car. It would probably be my second choice behind the GTI as I previously owned an 8th gen Si. The steering is quite good like you said, although the rev hang annoyed me a bit.

The 1.5 seems like a stout little motor, too. My friend works for a shop that just hit 10's in their upgraded one. Over 500 hp on the stock block, although I’m sure it will pop soon with that much power.

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Textured Soy Protein > Arrivederci
07/09/2019 at 10:40

To me I feel like the Si fits the budget and realistically I'm not going to be buying any kind of second fun or project car to complement it anytime soon. It's a car that I'd be happy to drive for several years while it reduces our fixed costs by a good couple hundred bucks a month and reduces the risk of randomly occurring 4-figure BMW repair bils.

merged-5876237249235911857-hrw8uc > Textured Soy Protein
07/09/2019 at 10:44

But you’re taking another depreciation hit as soon as you drive it off the lot. And as others have suggested, replacing a payment with a payment isn’t a good idea. Replacing a payment with a cash purchase would work though. And if you’re only going 10 miles to work, maybe buy a beater and drive it for a couple years till you get your house.

Getting into another payment isn’t the answer. How about just work to pay off the car you have and drive the shit out of it. Resale be damned?

Putting on my Dad hat for a minute... sounds like you need to evaluate your needs and what you guys want in a couple years. Sure a new car sounds great and all, but if your current car works for you, why not just work to pay it off sooner and then it’s an asset to you? Or just ride out the loan and sock away any extra money you would have put towards payoff into an account for the house down payment.

B_dol > Textured Soy Protein
07/09/2019 at 10:44

Th e net effect of the garage shift is minuscule unless you drastically change things up and get a used $5-7K civic. People often make a drastic play to boost their down payment leading to a house purchase when waiting another 6-18 months is usually the better option.

If you get enjoyment out of the car find a better way to increase savings - via cheaper vacations, groceries/etc. or bringing more money in.

merged-5876237249235911857-hrw8uc > Arrivederci
07/09/2019 at 10:51

what you said, 100%. I have coworker who did similar. Had finally paid off his civic, then traded it in on a leased pickup... why? Cause the civic was higher miles and would need repairs.... yikes. The logic loop boggles the mind. I love having paid off vehicles, it’s so nice. And like you with the S3, if you need to sell it, it will net you a few bucks to do something else. Like pay for day care and a cheaper car. :)

Sovande > Textured Soy Protein
07/09/2019 at 10:52

5 miles each way is the perfect distance for a $2000 e-bike. No insurance and can be ridden about 11 months out of the year around here.

Textured Soy Protein > merged-5876237249235911857-hrw8uc
07/09/2019 at 11:01

Freeing up the cash to pay off the loan is tricky right now. We’ve g ot a good start on our savings for a down payment but a lot of that money is not liquid at the moment. My thinking here was focused on reducing fixed monthly costs and risk of surprise repair bills. That’s both before and after the house purchase. Even if I pay off this car, the longer I keep it the more I'm rolling the dice that something else breaks and needs a bunch of money thrown at it.

Arrivederci > Textured Soy Protein
07/09/2019 at 11:02

I understand the fear of repair bills (I used to own an Audi after all), but you’re saying this will save you about $200/mo. That’ll add peanuts to your savings, only $2400/yr. In DC, for anything decent, you’re probably looking at $400k on the low side, right? 20% down means you’d need to come up with $80k down. That $2400/yr savings is only contributing 3% to that total. Chances are, you’re going to be looking at places far more expensive than that, so that percentage is probably even lower.

Of course, you’d also be able to contribute the BMW’s equity to savings to help achieve that goal.

I still think you’d be better served to get something you can buy outright now that’ll serve you reliably (even if it’s boring). Your monthly savings would go up to $600ish per month, estimating a $400/mo note on the Si . Over one year, you’d save $7200 to add to your savings. Two years, over $14k. That’ll make a substantial impact on your savings. Then, after you get the house and become accustomed to all the fun new housing expenses and how they fit in your budget, you could get something you really want.

Arrivederci > merged-5876237249235911857-hrw8uc
07/09/2019 at 11:04

God almighty, daycare. I could buy a brand new 911 for what I pay. :(

Textured Soy Protein > B_dol
07/09/2019 at 11:13

In the context of the down payment it’s not going to make a huge difference. We’re well on our way to saving up the down payment but we want to tweak our fixed expenses where we can. But having a couple hundred bucks extra each month does make things slightly easier for our spending overall. It's also just peace of mind that at least the car won't break and leave us with a big bill, which houses certainly can do.

I’m on track for a good raise/promotion within the next year or two and then I’ll be well positioned to get a higher level job where there’s a lot more money involved.

Maybe I’m crazy but I’m just trying to keep the expenses more reasonable while getting us into a house and affording said house.

Supreme Chancellor and Glorious Leader SaveTheIntegras > Textured Soy Protein
07/09/2019 at 11:17

Buy flashpro, reflash the car with a bae map, youll enjoy it

MUSASHI66 > Textured Soy Protein
07/09/2019 at 11:17

We just bought a new house (being built from scratch) and are keeping our old house. We don’t have to go this extreme, but we will either sell both our WRXs or wait for their lease to be up in April. My wife will buy her uncle’s Honda Fit with 42k miles on it, and I will drive the 2000 Tundra, to minimize our monthly payments. I figure we can save ~ $700 per month over next 2-3 years, and put it on top of our mortgage. We are aiming for extremely high payments, 200-300% over the monthly mortgage, in order to pay this house off in 5-7 years instead of 30, and to save a fortune (around $200k) in interest fees.

I’d much rather drive a new Tundra or a new-ish Abarth 500, but paying off the house way early will allow me to retire early and to travel as much as we want. Some sacrifices have to happen in order to have a paid off house, paid of rental, and some savings before I am 55.

I’d be shocked if you can save a couple hundred bucks in monthly payment/insurance/gas difference, but I guess you did the math. I understand the desire to drive something you like though... I will probably last only a y ear or so with the old Tundra before I splurge on something else.

merged-5876237249235911857-hrw8uc > Arrivederci
07/09/2019 at 11:20

We are so blessed to have my MIL taking care of our kids during the day. I’ve got 4, at least the two oldest will be in kindergarten and first grade this year. Keeps the house quiet and more manageable. That woman is a saint. We still do a few days of preschool for the kids from about age 3-5, but it’s only a few days a week. But it got our budget accustomed to private school costs. We would’ve done public if we had to, but we were impressed with the private school we are sending them to. Oh well, my toy purchase will have to wait a bit longer. My boys are finally getting to the point they can wrench with me without going at my cars with a hammer. So things are looking up :). But yeah, kids aren’t cheap. My sister did daycare for her two and once their youngest was in school they went out and bought a new to them car. They were elated.

Wouldn’t trade it for anything though. Toys are no fun when you don’t have anybody to play with ;)

nermal > Textured Soy Protein
07/09/2019 at 11:22

Alternatively, you could move away from the DC area to an area where housing costs half as much. Then use all of the savings from your reduced living expenses to buy a new M2 with Euro delivery.

Textured Soy Protein > Arrivederci
07/09/2019 at 11:24

I’m thinking no more than $360/month on the Si ($20k at 3% for 60 months).

If I could get a house for 400k I’d be all over that shit! Unfortunately we’re probably talking more in the 525-550k range. Ugh.

We make good money and I’m confident in my ability to increase that a good amount over the next few years. But the issue now is we’ve got a lot of our down payment money tied up in investments I’d rather not sell off for car purposes.

Yeah yeah I know this is more leverage and loans and whatnot than may be perfect but we keep our monthly costs in line with income and make sure everything is always paid on time, and cars are the only debt of any kind we have. Until a mortgage comes along of course.

Shift24 > Textured Soy Protein
07/09/2019 at 11:28

And that’s what the Si has always been. The Si has been a responsible yet f un car to throw around since it beginning. They might have lost a touch with the 9th gen but man the 8th gen was fun. And glad to hear it’s back with the 10th. (Eventhough the Si needs a hatch...)

Fu el alone could make it feasible. I have heard the new Si getting close to 40mph when comfortably driven.

Hondata also has a + 9psi boost (normal is +6psi) option as well but might need to replace the clutch. Also alot have been doing sport mode only activation.

The ones I like better though is the cruise main on, (meaning cruise is ready but not engaged). That one you can hide the tune better.

https://www.autoblog.com/2017/06/16/honda-civic-si-hondata-tune-27-more-horsepower/

Textured Soy Protein > nermal
07/09/2019 at 11:30

We moved here from such an area just last year.

The thing was, this was a big career bump for me, because the job market for what I do is so much better than Madison, WI where I came from. Also I grew up here.

Does it completely make up for the cost of living? Not yet, but career wise I’m on track to be able to really afford us being here.

I have entertained thoughts of only staying here for like 5-10 years and then parachuting into a cheaper city with my beefed-up-by-DC resume but that's a ways away.

Textured Soy Protein > Sovande
07/09/2019 at 11:33

Those 5 miles are up and down Rockville Pike, so...

Pich, with Z32 now featuring Civic [Si] / No > Textured Soy Protein
07/09/2019 at 11:35

nothing much to add to the conversation, but I’ m enjoying mine very much

ZHP Sparky, the 5th > Arrivederci
07/09/2019 at 11:41

This is excellent advice. While driving a Honda instead of a BMW may save a couple of hundred bucks a month, maybe, driving a paid-off Honda instead of a BMW also entirely eliminates the car car payment, increasing savings significantly AND potentially putting some equity back in your pocket...assuming the BMW is worth more than a used Honda.

This is pretty much why I almost exclusively dabble in cars that cost ~$5k these days , which seems to be a price point a whole variety of 10ish year old cars gravitate towards. Thrifty and economical Honda? Sure! More fun BMW? Yes! Pick your poison based on risk aversion and wrenching abilities. And either way you’re able to avoid having a car payment and free up your cash flow for real life stuff like having a roof over your head that you own or giving your kid an education.

In my case it’s going down to being a single income household while my wife takes a few years off to spend with our now 1 year old until it’s time for pre-school. So it feels good being able to slowly keep building our savings buffer while we’re on a lower combined income, and also knowing that pre-school in a few years won’t be cheap!

Textured Soy Protein > HondoyotaE38: A Japanese and German Collab...wait a minute
07/09/2019 at 11:41

Haha that’s not something I’d be spending money on. I’ll try to stick to the g as pedal fix, Hondata, swap the stock tires for BFG Comp-2 A/S (and sell the stock tires on craigslist) and maaaaaybe a rear sway bar.

Textured Soy Protein > Sovande
07/09/2019 at 11:43

Kinja'd!!!

HondoyotaE38: A Japanese and German Collab...wait a minute > Textured Soy Protein
07/09/2019 at 11:55

That sounds more reasonable. Gas pedal fix though, what’s that about?

Textured Soy Protein > HondoyotaE38: A Japanese and German Collab...wait a minute
07/09/2019 at 12:08

Heel-toeing it sucks. The animated gif of the bracket that moves the gas pedal to where it should be is like 2 paragraphs from the bottom of the pos t.

HondoyotaE38: A Japanese and German Collab...wait a minute > Textured Soy Protein
07/09/2019 at 12:10

Wow, I completely blew over that somehow. Oops

Long_Voyager, Now With More Caravanny Goodness > Textured Soy Protein
07/09/2019 at 12:16

If you buy something cheap/used, you will have no car payment, cheaper insurance, and even if a repair does crop up, it will still cost less than a monthly car payment. Plus if you’re buying cheap/used, there is no depreciation to worry about, many times just the opposite.

My point is, buying a new car is the opposite of saving for a house.

B_dol > Textured Soy Protein
07/09/2019 at 12:53

Got it. I agree in freeing up some monthly amount. We purchased a house this past year and there has been a lot of little costs; lawn, gardening, interior decoration, cleaning, fixes, etc.

Arrivederci > Textured Soy Protein
07/09/2019 at 12:59

I totally get where you’re coming from and I know you see my point as well. Before you make a decision either way, just put the proverbial pencil to the paper and work out each option:

1) Keep the BMW
2) Sell BMW, buy new Si
3) Sell BMW, buy cheap

Work out where you’d be financially at various intervals for each option - 6 months, 12 months, 18 months, 24 months, etc. At that point, you’ll probably be able to see which decision is the best for you.

Arrivederci > merged-5876237249235911857-hrw8uc
07/09/2019 at 13:01

That is a massive blessing - super jealous! I honestly am not sure at this point how we’d afford a second child... at least without waiting until the first kiddo gets into Pre-K.

Mini Guy- Now has a 4Runner > Textured Soy Protein
07/09/2019 at 13:43

Seriously, check a Gti

Textured Soy Protein > Mini Guy- Now has a 4Runner
07/09/2019 at 13:52

I’d only lease a new GTI and turn it back in when the lease was up.

merged-5876237249235911857-hrw8uc > Arrivederci
07/09/2019 at 14:46

Eh, you make it work out. But I can also say, if not for the help, our family might be a few kiddos smaller.

nermal > Textured Soy Protein
07/09/2019 at 16:57

It depends on what you speculate that the market will do. Real estate is traditionally one of the best & lowest risk returns on investment.

The key is to find a gentrifying area and get in early & cheap. Wait until the area develops & all the poors get priced out, then sell out and profit.

TheTurbochargedSquirrel > Textured Soy Protein
07/09/2019 at 18:25

I liked the Civic sport I test drove but not nearly enough to put up with having to look at it every day.

NojustNo > Textured Soy Protein
07/10/2019 at 02:29

I want to love the new ci vic but couldnt even test drive - I hit the dang ceiling in em even without sunroof and seat all the way down :(