Wisconsin Tacomas and bad financial advice

Taco-Grinder · Nov 19, 2023

pearing said: ↑

Know what I know that I am not supposed to let you know that I know just yet?

DD lights freakin rock!
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I know

OldSchlPunk · Nov 19, 2023

Hey Dan (or any other hunters...):

LarryDangerfield · Nov 19, 2023

Well, today seemed like the day to put the winter wheels and tires on, some new wiper blades, and an oil change. Should set me up for the winter, or at least most of it (if I hit 5,000 miles I'll change the oil even if it's 10 below zero that's how strict I am on oil changes) Switched over to a new oil that I'll be running from now on. Decent price plus super convenient.

LarryDangerfield · Nov 19, 2023

Taco-Grinder said: ↑

9 months

It's called a wife and a new born baby.

My guess.
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I was making a dig at myself

Bill0351 · Nov 19, 2023

LarryDangerfield said: ↑

Well, today seemed like the day to put the winter wheels and tires on, some new wiper blades, and an oil change. Should set me up for the winter, or at least most of it (if I hit 5,000 miles I'll change the oil even if it's 10 below zero that's how strict I am on oil changes) Switched over to a new oil that I'll be running from now on. Decent price plus super convenient.

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I’ve been using those 6qt boxes ever since they came out. Perfect for my 4.6 Ford and 3.5 Tacoma.

LarryDangerfield · Nov 19, 2023

Bill0351 said: ↑

I’ve been using those 6qt boxes ever since they came out. Perfect for my 4.6 Ford and 3.5 Tacoma.
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They're pretty sweet, definitely going to be using them as along as they're available and the price stays decent.

Shellshock · Nov 19, 2023

LarryDangerfield said: ↑

Well, today seemed like the day to put the winter wheels and tires on, some new wiper blades, and an oil change. Should set me up for the winter, or at least most of it (if I hit 5,000 miles I'll change the oil even if it's 10 below zero that's how strict I am on oil changes) Switched over to a new oil that I'll be running from now on. Decent price plus super convenient.

Click to expand...

Or if you follow the maintenance schedule of 10k then you don’t gotta worry about it

LarryDangerfield · Nov 19, 2023

Shellshock said: ↑

Or if you follow the maintenance schedule of 10k then you don’t gotta worry about it
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If anyone would qualify for the severe duty maintenance schedule it would be me. I am full throttle on a regular basis as well as lots of short trips/stop and go with a decent amount of idling thrown in as well. I'm sure the 10,000 mile service schedule works for some people who do nothing but highway driving but it sure doesn't work for me

McSpazatron · Nov 19, 2023

Bill0351 said: ↑

I’ve been using those 6qt boxes ever since they came out. Perfect for my 4.6 Ford and 3.5 Tacoma.
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I must be a little challenged with fine motor skills and planning skills. I got one of these oil boxes for the first time and changed my oil a week ago. I thought it was a great plan to transfer the oil from the box to an empty quart bottle seven times. Not only did I lose count, but I made the biggest oil mess ever from the dripping and the occasional not shutting off the spigot in time. Whatever the reduced waste savings were made up in paper towels.

McSpazatron · Nov 19, 2023

Here is an honest lawyer

https://www.instagram.com/reel/Cx4B2kkPjVg/

CygnusX191 · Nov 19, 2023

Thatbassguy[OP] said: ↑

I have to partially disagree with "...the sooner you get in the game, the better."

Right now is a terrible time to buy a house, IMO. The way I see it, prices are still crazy high due to the demand over the last few years. But, higher interest rates will eventually slow down the market, and drive down prices. Eventually, interest rates will come back down (hopefully), and that's when I'm hoping to buy something. Of course, lower rates will eventually drive prices back up, so I'll have a short window to work with.

I could all be wrong about this. I really don't follow these things as well as I should. But, this seems like the trend I've seen over the last 15 years or so. I'm happy to hear more opinions.

I've been looking at houses in a particular area in Florida for a few years now. Not long ago, I could have bought a small house that met my criteria for under $200K, easily. Last I looked, those same houses are going for 2-3× that amount. I really hope things get better, eventually, or I'll have to figure out a different plan.

I do agree with buying at whatever interest rate you can get, and then refinancing. That's what I did with my current 4Runner.

I'm not sure if I qualify as "younger", but I've experienced some pretty bad interest rates myself.

It might shock everyone to hear this, but I've made some bad financial decisions over the years (sorry if reading that caused anyone to soil themselves, but I couldn't resist).

Back in '05 when my credit really sucked, I bought my '03 4Runner (impulse buy, BTW) for $18,xxx and traded in my '94. IIRC, the interest rate was 14.5%. I paid around $30K over the course of the loan. And, in 2014, I think my interest rate on the TC was around 12%.

So, basically what I'm saying is that nobody should ever take financial advice from me... Ever... Unless that advice is to ask yourself WWJD (what would James do?) and then do the opposite.
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pearing said: ↑

Know what I know that I am not supposed to let you know that I know just yet?

DD lights freakin rock!
Click to expand...

Shellshock said: ↑

Or if you follow the maintenance schedule of 10k then you don’t gotta worry about it
Click to expand...

Booooo. 5k.

McSpazatron said: ↑

I must be a little challenged with fine motor skills and planning skills. I got one of these oil boxes for the first time and changed my oil a week ago. I thought it was a great plan to transfer the oil from the box to an empty quart bottle seven times. Not only did I lose count, but I made the biggest oil mess ever from the dripping and the occasional not shutting off the spigot in time. Whatever the reduced waste savings were made up in paper towels.

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My brother in Christ do you know what is a Funnel?

McSpazatron · Nov 19, 2023

CygnusX191 said: ↑

My brother in Christ do you know what is a Funnel?
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LOL

It might have been more interesting to see me holding a 12 quart box leaning in over the engine. There’s probably an easy way to do this, but again, my planning skills aren’t the sharpest. Maybe I need a flow chart

Bill0351 · Nov 19, 2023

McSpazatron said: ↑

I must be a little challenged with fine motor skills and planning skills. I got one of these oil boxes for the first time and changed my oil a week ago. I thought it was a great plan to transfer the oil from the box to an empty quart bottle seven times. Not only did I lose count, but I made the biggest oil mess ever from the dripping and the occasional not shutting off the spigot in time. Whatever the reduced waste savings were made up in paper towels.

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Lol! I have a big old-school funnel… Now I do! There’s a learning curve to not turning the 6-quart box project into an oily shitshow!

Supr4Lo · Nov 19, 2023

@pearing did a trail this weekend and thought of how much you'd enjoy it. Backway to Crown King, starts by Lake Pleasant and goes about 28 miles to a tiny town of Crown King. Some fun obstacles and lots of good scenery. Great camping along the way too. Some pics here https://www.tacomaworld.com/threads/backway-to-crown-king-november-18th.814273/page-8#post-29323468

SRH · Nov 19, 2023

Camerasandcoffee said: ↑

Happy Saturday
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And now Sunday!!!

SRH · Nov 19, 2023

LarryDangerfield said: ↑

It's not that I can't, I just REALLY shouldn't lol.

Hello!
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Hi Tyler Been on any adventures lately? Haven’t noticed any pics….but I guess I haven’t been on much lately

SRH · Nov 19, 2023

Thatbassguy[OP] said: ↑

Ma'am.

How are things?
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Hi James…. Things are ok. Started a new position at work and it’s a shit ton to learn! Just trying to get my bearing and find my groove. How are you?

SRH · Nov 19, 2023

CygnusX191 said: ↑

What sort of prehistoric monstrosity is that?

"Seasoning"

Excellent! Tis a grand state

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Timm!!!! How’s the sweet baby girl?❤️❤️❤️

pearing · Nov 19, 2023

Supr4Lo said: ↑

@pearing did a trail this weekend and thought of how much you'd enjoy it. Backway to Crown King, starts by Lake Pleasant and goes about 28 miles to a tiny town of Crown King. Some fun obstacles and lots of good scenery. Great camping along the way too. Some pics here https://www.tacomaworld.com/threads/backway-to-crown-king-november-18th.814273/page-8#post-29323468
Click to expand...

Nice-looks fantastic. Miss that country for sure! Looks as if you had a good run... and a rock to pose on!

Thatbassguy · Nov 19, 2023

SRH said: ↑

Hi James…. Things are ok. Started a new position at work and it’s a shit ton to learn! Just trying to get my bearing and find my groove. How are you?
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Congratulations on the job upgrade (hopefully an upgrade)! Hopefully it's a worthwhile challenge for you!

I'm getting into winter hibernation mode. I've done almost nothing the past few weekends, and it's been fantastic! Laying around, watching movies and TV. It's great!

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Wisconsin Tacomas and bad financial advice

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LarryDangerfield One Larry a day keeps the money away ™ Moderator

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LarryDangerfield One Larry a day keeps the money away ™ Moderator

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SRH My horns hold up my halo

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Wisconsin Tacomas and bad financial advice

#29141 Taco-Grinder It's all part of the adventure.

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#29160 Thatbassguy [OP] Sweet or sour?

Products Discussed in Entire Site Forum: Mid West Thread: Wisconsin Tacomas and bad financial advice

#29141
Taco-Grinder It's all part of the adventure.

#29142
OldSchlPunk A legend in my own mind!

#29143
LarryDangerfield One Larry a day keeps the money away ™ Moderator

#29144
LarryDangerfield One Larry a day keeps the money away ™ Moderator

#29145
Bill0351 Well-Known Member

#29146
LarryDangerfield One Larry a day keeps the money away ™ Moderator

#29147
Shellshock King Shit of Turd Island

#29148
LarryDangerfield One Larry a day keeps the money away ™ Moderator

#29149
McSpazatron Well-Known Member

#29150
McSpazatron Well-Known Member

#29151
CygnusX191 Gangster of Boats

#29152
McSpazatron Well-Known Member

#29153
Bill0351 Well-Known Member

#29154
Supr4Lo Well-Known Member

#29155
SRH My horns hold up my halo

#29156
SRH My horns hold up my halo

#29157
SRH My horns hold up my halo

#29158
SRH My horns hold up my halo

#29159
pearing Well-Known Member

#29160
Thatbassguy [OP] Sweet or sour?

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