Future purchase...struggling between TE or SR5

am i watching the Kardashians?

geez.... this has gone from a simple SR5 or TE question to investment arguments!

LAME-O-RAMA
 
What frustrates me is that Toyota intentionally choose to get it wrong. It's not like this is new. Toyota has it in literally every other car it sells . It's a generation old tech. And I mean a generation of people not cars. Other markets get lots of better feature. The European version of the 150 has many more features than even or lexus versions. Like a 6 camera set in both bumpers and one on each wheel well so you can see obstacles off road. I just don't get why toyota stripped down the 4runner so much.

Try this.
 

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Does your nav screen turn to black background at night and white during the day? My Lexus does. A Yaris SE does. My 4runner does not. It's a $2 assembly to make that happen. Shouldn't a $40k SUV have it?

My 2013 TE does, but I have to switch it manually with the dimmer wheel on the dash. Above the "click" is a white background with the head lights on or off, and below the click is a black background with the headlights on. Mine doesn't have an auto-dimming feature that I'm aware of.
 
I've overcome that habit by now, but, that's another feature that should have never gone away! :shocked:

I'm barely old enough to have experienced the floor switch dimmer, and I wish they still had them! IMO the steering column has become too busy. Actually, cars in general have become too busy. Seems you're doing everything but driving the car now. Anyone know where I can find the app to steer this thing?
 
You probably still try and turn on the "bright" headlamps with the switch on the floor....:)

I've overcome that habit by now, but, that's another feature that should have never gone away! :shocked:

There are some here that don't have a clue what you two are discussing....

I agree, besides what else are you doing with that left foot anyway other than tapping it to Lynyrd Skynyrd's ~ Gimme Three Steps ?

 
Any index fund over last 8 years, but the point is not earning to make payments. If one cant afford monthly payments on a $40k car paying cash for it is.... lets call it what it is: DUMBEST financial decision one can make.

With this logic you should go out and get a full line of credit on your home or car if they were/are paid off?
 
My 2013 TE does, but I have to switch it manually with the dimmer wheel on the dash. Above the "click" is a white background with the head lights on or off, and below the click is a black background with the headlights on. Mine doesn't have an auto-dimming feature that I'm aware of.

That's how mine is. I have not found any dimming that I can identify. In every other Toyota or Lexus that I've driven with auto headlights the day time running lights are on when it's light, and when it reaches a certain darkness it switches the headlights and tail lights on along with switching the navigation/entertainment screen to night mode (black background). On our Lexus you can disable the switch to night mode, but the default is as you'd expect. It also does other fun things like turn the headlights around corners and auto-dims the brights when other cars are coming. I don't need all of that. But I would like to just set the switch to one position and not have to worry about it.

On my 4runner if the headlights are on, the screen is in night mode. I will try BEVO's (thank you!) link directions when I get in my 4runner to go home. My primary reason for not liking night time mode all the time is that the backup camera video is too dark to see during the day.

If that doesn't work, I'll be making my own little circuit to do this for me. It should be pretty easy to just stick a photo sensor in the dash with a relay to turn on the headlights when the signal drips below a certain voltage and off when it rises again. So long as the system is setup so it only operates when the car is running it should be seemless. I wish we could have access to the internal code because it's just a software issue to make it happen if there's already a photo sensor in the dash.
 
Car payments or cash

Any index fund over last 8 years, but the point is not earning to make payments. If one cant afford monthly payments on a $40k car [,] paying cash for it is.... lets call it what it is: DUMBEST financial decision one can make.

Show us an actual fund with earnings over the current car loan rate, which is 2.9% at best. Show us something worth taking the investment risk on, like over 4%.

Not sure if the rest of your statement is a double negative or just pretzel logic.

If you can't afford to make payments on a $40,000 vehicle you shouldn't take out a loan to buy it. You have to make a down payment. Let's say 10% down and finance the remaining $36,000. If you can't make $1000 per month plus interest on a 3 year loan ($1100 per month?), you'll lose the car when you fail to make the payments. If you can't afford that, or more likely, you don't qualify for the loan based on other debt like a mortgage and credit cards, you shouldn't buy the car. But you might be able to save $500 a month for a few years and then buy the car when you can afford it.

I saved the total cost in about 8 months so I can probably afford it. My income is variable so I don't want fixed payments. And one thing I learned for the recession is, don't get mired in debt. I saw other people in this position and it wasn't pretty.

My neighbor is selling his expensive home he bought in 2007 because his business income is down, due mostly to the recession. He probably can't afford the two car payments he took on to buy fancy cars either. He's loosing about $400k on $1.6 million invested (original price plus improvements) by selling right now. For some reason his house is worth less than it was 8 years ago.
 
I saved the total cost in about 8 months so I can probably afford it. My income is variable so I don't want fixed payments. And one thing I learned for the recession is, don't get mired in debt. I saw other people in this position and it wasn't pretty.

Brother, you don't need to condone anything IMO.

For you, cash worked best. Thats nothing to be ashamed of in any way, shape or form and at the end of the day you own it free and clear.

I have paid cash for vehicles before, financed them and then paid them off when it made sense, and financed them for the duration. Each based upon the situation at hand.

It all depends on a whole lot more variables than a simple cash or finance and you know that and did what worked for your situation.

One size does NOT fit all. People need to understand that.
 
I own the TE premium; the seats are easy to clean, I like the sunroof. I just changed from 3.73 gears to 4.56; this is when you add lockers. I kept my e-locker from the TE.

With the stock gearing of 3.73 and 31" tires, I found this gearing to be too tall. With the added weight of plate bumpers, sliders and under armor, winch, and 33" tires, the 4.56 gears nicely suits my needs. 4.56 gears are not too deep for daily driving on the highway.

My point: do not buy the TE for the rear locker. Might the crawl control etc add to future costs? It has for me.

Build for YOUR purpose.

Good luck
 
Show us an actual fund with earnings over the current car loan rate, which is 2.9% at best. Show us something worth taking the investment risk on, like over 4%.

Not sure if the rest of your statement is a double negative or just pretzel logic.

If you can't afford to make payments on a $40,000 vehicle you shouldn't take out a loan to buy it. You have to make a down payment. Let's say 10% down and finance the remaining $36,000. If you can't make $1000 per month plus interest on a 3 year loan ($1100 per month?), you'll lose the car when you fail to make the payments. If you can't afford that, or more likely, you don't qualify for the loan based on other debt like a mortgage and credit cards, you shouldn't buy the car. But you might be able to save $500 a month for a few years and then buy the car when you can afford it.

I saved the total cost in about 8 months so I can probably afford it. My income is variable so I don't want fixed payments. And one thing I learned for the recession is, don't get mired in debt. I saw other people in this position and it wasn't pretty.

My neighbor is selling his expensive home he bought in 2007 because his business income is down, due mostly to the recession. He probably can't afford the two car payments he took on to buy fancy cars either. He's loosing about $400k on $1.6 million invested (original price plus improvements) by selling right now. For some reason his house is worth less than it was 8 years ago.

1. 2.9%??? Try 0.99% from my credit union,
2. 36 months? same rate for 60 month
3. something that returns 4%...........hmmmmmm
this
http://finance.yahoo.com/echarts?s=^GSPC+Interactive#{%22range%22:%225y%22}
or this
http://finance.yahoo.com/echarts?s=^GSPC+Interactive#{%22range%22:%22max%22}

buy 1/4 of what you can afford and you will do well in your life. :closed_2:
 
What frustrates me is that Toyota intentionally choose to get it wrong. It's not like this is new. Toyota has it in literally every other car it sells . It's a generation old tech. And I mean a generation of people not cars. Other markets get lots of better feature. The European version of the 150 has many more features than even or lexus versions. Like a 6 camera set in both bumpers and one on each wheel well so you can see obstacles off road. I just don't get why toyota stripped down the 4runner so much.

I don't get it either.

Auto-headlights on the non-Limited models, for example. My piece of trash $18k Ford Focus has this feature as do most cars these days, but for whatever reason, Toyota elected not to include it as a feature on my $40k Trail.

I mean, I ultimately don't care as I'm fully capable of turning my headlights on and off by myself, but it's like, really, Toyota?
 

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