What did you do to/in your 5th Gen today?!

Installed Toytec 3" ultimate lift kit.

Installed Toytec 3" ultimate lift kit. Vinyl wrapped roof rails. Also new wheels and tires on the way.
 

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Any flex in this design?

I assume you placed it there and slowly bent it as needed

I took it slow and cut one piece at a time getting the fitment right. I had to get the welds right otherwise I'd have to chop the piece off and start over.

If I had the right equipment I would try to make it from one piece of stainless.
 
New project.....burns more gas then the runner! Tires twice as expansive and last 1/4 as long....

WHAAAT, that's beautiful, they do burn tires though, the offset which prevents rotating doesn't help, neither does taking exit ramps at speeds higher than the speed limit of the road you're coming off!!!:reddance:
 
How much of a pain in the ass are those pins to remove every time you want to open the rear hatch? Does it rattle much? I like the bumper, but that seems like the worst latching solution available

Well, for me, not a pain at all. Zero rattle, as there are conical rubber bushings behind the arms. As for the worse/best/etc, I like simple. I will be adding some stainless lanyards to the pins, as I know I will drop them.
 
I'm in my forties as well, I just brought a new TRD and I financed. This why my investments earn me more money a year , than the interests of my loan a 2% for 4years. example 2 % × 38k = $760 , my investments make avg of 15% ×38k = $5,700 ($5700-$760 = $4,940 Difference a year totaling $19,760 for the live of the loan by leaving the money in the investment. I do what my financial planner tells me !
Does than math make sense ?
The the vehicle depreciate the same if you pay for it or you finance it, so paying $ doesn't make a difference.

.

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I’m glad you feel good about it. Most financial planners will agree with you, and most have debt. Also, most will attempt to make sense of tax write offs for interest among many other things I disagree with. Leverage doesn’t factor in risk, which you can’t quantify, but millions of Americans practicing your method got crushed in 08-09 by running out of other peoples money.

For me, when I pay cash, it means I can invest 100% of my money. So in your scenario above I would have $5700 of investment returns and zero in my cost of capital leaving me with all $5700 to reinvest and compound over time and build wealth.

For me, the math works when I own and control 100% of my things and earn 100% of my returns. So far it’s worked, no debt, lots of toys, a nice paid for house, a significant net-worth, and no risk - all by 42.

As far as depreciation, you are paying interest on an asset which is going down in value. I don’t care what degrees you have or profession you are in, that math will never make sense to me. You essentially pay a penalty - interest - while the value diminishes. When you pay cash, you are not paying a fee to have the value goes down.

You do what feels best for you, I’ll stick with my math and what feels best for me.

I think we can all agree, 4Runners are Bad A$$ whether they are leased, financed or paid for in cash!

Happy to continue the conversation, but not going to litter up this thread. Maybe [MENTION=66316]1engineer[/MENTION] or another mod can move to off-topic.


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I'm in my forties as well, I just brought a new TRD and I financed. This why my investments earn me more money a year , than the interests of my loan a 2% for 4years. example 2 % × 38k = $760 , my investments make avg of 15% ×38k = $5,700 ($5700-$760 = $4,940 Difference a year totaling $19,760 for the live of the loan by leaving the money in the investment. I do what my financial planner tells me !
Does than math make sense ?
The the vehicle depreciate the same if you pay for it or you finance it, so paying $ doesn't make a difference.

.

Sent from my XT1585 using Tapatalk



Exactly. With rates where they are, and the gains we’ve seen in the market over the last several years (this one especially), financing is the way to go even if you can pay cash for the purchase. Nice to have the option to get out of a loan if needed, but putting $45k in a depreciating asset vs one that is making record gains is just silly.


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Exactly. With rates where they are, and the gains we’ve seen in the market over the last several years (this one especially), financing is the way to go even if you can pay cash for the purchase. Nice to have the option to get out of a loan if needed, but putting $45k in a depreciating asset vs one that is making record gains is just silly.


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See previous responses, we’ll agree to disagree. Enjoy your truck.


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in regards to interest and financing in general, you may be forgetting one crucial thing... compounding interest. 1st one would need to set the stage of financial independence, I strongly advocate not buying any thing you cannot pay cash for, however actually paying cash for it, most of the time is foolish. this is actually fact not opinion, at the end of the day it's a free country and you can do what you want but math is math is math. for example let's say you have $40,000.00 and you need a vehicle, my interest rate on my 4Runner purchased in Nov 2017 is 2.49% for the sake of easy math let's say my loan if for $30,000.00 and I put 10k down. even if I didn't earn what an aggressive large cap equity position would yield, even if I earned LESS than 2.49% you'd still end up making more than you will pay in interest. do the math $30,000.00 at say only 2.00% COMPOUND interest over heck make it 5 or even 6 years you'll make more than you'll pay in interest. Oh one more thing, you also only pay your simple interest on the remaining balance of your loan, so the amount you pay in interest goes down every year while the amount you are earning interest goes up. I could then go into opportunity cost and illustrate that at an interest rate as low as 2.49% not financing could actually be a $10,000.00 mistake, but that would literally be pages.

where people get into trouble is when they finance things and don't have the cash to back it up having the money to pay off your house is smart, actually doing it isn't, having the money to pay cash for your car is smart, actually doing it isn't. the same holds true for overpaying your mortgage, and once again this is provable, not opinion, you are far better off investing the extra $400.00 a month or whatever the number is than paying down your mortgage faster. My personal financial positon is that I could pay off all of my debt, which is a mortgage and two car loans tomorrow (it's Sunday the bank is closed) most importantly will all non IRA dollars, but I know I am realizing a better return on my money in the market and even the year's income I have stashed in cash equivalents is earning more than 2.49%. You'll notice I only have two car loans but 4 cars, I also believe that you don't finance your toys, no matter what the interest rate, if you want a boat, snowmobile etc. pay cash, not because the math is different but more as an exercise in self control. Everyone has a threshold like that where personal comfort overrules the math your left brain is doing. For many paying cash for everything is an act in conservative self control... they are actually losing quite a bit of money over their lifetime, but it makes them FEEL better, no amount of logic can really overcome that. It's far, far better than the alternative of borrowing money you personally cannot cover. the way I play it is I make sure if all my debts were called on the same day I could write a check, sadly most of the U.S. has something like $50,000.00 in uncovered debt, which is super dangerous.
 
Yep, I think they’d been digging for a little bit. Open diffs, and tires spinning, young guys,the passenger said the driver was overconfident in the truck. I didn’t even ask if he had a rear locker and just didn’t know how to use it.

As far as they know 4runners are amazing now. :eyebrows:

Would guarantee it didnt have any lockers. Its funny because i know a ton of guys that would say "ain't no tieyota pulling a 1 ton ford 4x4 truck out of anything" lmao
 
@jb and [MENTION=339]jordan[/MENTION]. Thanks! .2, i wanted the 3.6 vs the 3.4 and I highly recommend one! Handling and brakes are amazing, power is good (turbo is better), def fun car and could be a daily, especially the all wheel drive ones, its why you see the high milage. Reliable with maintenance which is not cheap. As with everything, buy the newest, best maintained and lowest milage one that fits your budget and then beat on it :) I miss driving the runner! lol
 
@jb and [MENTION=339]jordan[/MENTION]. Thanks! .2, i wanted the 3.6 vs the 3.4 and I highly recommend one! Handling and brakes are amazing, power is good (turbo is better), def fun car and could be a daily, especially the all wheel drive ones, its why you see the high milage. Reliable with maintenance which is not cheap. As with everything, buy the newest, best maintained and lowest milage one that fits your budget and then beat on it :) I miss driving the runner! lol

Oh jeez, I didn't realize you got rid of the 4Runner (moment of silence) I have experience with Porsche, up to and including a factory tour as well as a visit to their museum in Stutgart. I have also been fortunate enough to enjoy quite a few track events over the last 7 years or so, many friends with various Porsches. if you're a new owner I would feel pretty confident I've pulled more hot laps in them than you. If I were to get one I'd most likely have to give up the AMG... which at this point anyway I'm not that interested in doing. Maybe one day. Either way, enjoy every second of it Porsche is the only "Super Car" I know of reliable enough to be a daily driver. Also if you haven't already I would look into joining your local Porsche Club, easiest way to make friends and if there's a track local to you they'll get you on in cheaply and in a welcoming and controlled environment. I crash the local Porsche clubs local events here a couple times a year, they're a blast!
 
After a full day's work, I finally finished this! SSO Slimline with a Warn Zeon Platinum 10 and a 30" sun. Now it just needs to dry up so I can take it wheeling.

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Been thinking of lots of ideas to mount a shovel/axe to the stock rails. I have the Rhino Rack steel mesh tray and mounted an axe and shovel to it last year for an extended trip and it worked great. You can see the blade of the shovel below in front of the trash bag on top of the handle.

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Then later in the year I took another trip but loaded the tray with some more stuff and lost the space I had the axe and shovel on.

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Thought over a lot of ideas, including using clamps that mount lights to roll cages, to u-bolting some sort of block to the roof rails with the quick fists attached, to short strut channel pieces bolted to the rails with the quick fists attached and finally came up with just using strut channel brackets bolted to the rails.

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It works pretty well and keeps the shovel reasonably low but not hitting the body or rails. Works for an axe too and I have four brackets so I can do one or both.

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Here's the backside.
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These bolts are the key.
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Thanks to [MENTION=144585]clweathers[/MENTION] and [MENTION=144394]Maadcaap[/MENTION] for the idea and [MENTION=144394]Maadcaap[/MENTION] for the link to the bolts. For some reason they're impossible to find on McMaster Carr's website. The bolt heads fit into the channel on the back of the stock rails and you rotate them 90 deg. and you can tighten them down. I wish maybe the brackets were angled a little towards the center of the roof to get them a little more low profile, but for now I like the solution. I think with these bolts a lot of possibilities open up with regard to mounting stuff to the stock rails.

I can install or remove these brackets really fast and easy, which is great as I don't want them on except for trips, and they are really thick and the whole setup is pretty sturdy.
 
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