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Forum
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RE: Financing Rates These Days
In Canada, interest rates are set by the Bank of Canada which is completely independent from the federal government (at least it's supposed to be).
USA is similar.
I don't think anyone will finance a towable in Canada. It may be different for a drivable - I really haven't looked into that.
In the United States, interest rates are controlled by the market. They are heavily influenced by the Fed's open market activities, but they are not controlled directly by any government agency.
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twodownzero
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08/11/23 01:11pm |
General RVing Issues
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RE: Dodge 3500 towing heavy
If I remember right the older 3500 srw Dodge trucks had 6200-6500 rawr (tire/wheel/rear spring pack). Your trucks drivers side door post certification sticker has the trucks fawr/rawr.
Drop by a set of CAT scales and weigh your truck front and rear axles separately.
Subtract the CAT scale number from your trucks rawr will give you how much in the bed payload you have to work with.
Those older trucks rear axle may weigh in the 3200-3400 lbs ...subtracted from 6200 rawr = approx 3000-3300 lbs before exceeding a tire/wheel or rear suspension.
This trucks rawr will more likely be overloaded.
The '05 truck has the AAM 11.5" rear axle good for over 10k lbs so its not a concern.
And of course if its the 5.9 Cummins it won't have any issues pulling that size trailer.
Many older 350/3500 srw truck owners with heavy truck campers...heavy 5th wheel trailer hitch loads upgraded to 19.5" tires/wheels...air bags of some type of rear suspension help
Don’t go spewing the over axle rated capacity bs. That is literally the last thing to be worried aboot as long as the tires are rated for the load, on good wheels and the truck ain’t a rust bucket.
The limiting factor on the truck in question is the rating on the two rear tires and the GVWR, 9,900 pounds. I have had the same truck for over 18 years, and mine weighs 7,080 pounds empty. That leaves 2,920 for payload. GCWR is 23k so mine has plenty of "capacity" if it could handle the pin weight.
Would I regularly pull the trailer this person proposes? Doubtful. It'll have 3,000+ pounds of pin weight (maybe more like 3,500), which leaves none for me, my wife, and dogs in truck, or even the hitch in the bed for that matter.
The rear GAWR doesn't even matter--you will bust the GVWR way before that.
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twodownzero
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08/08/23 10:50am |
Tow Vehicles
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RE: Learned an expensive lesson today
Sold the house back in 2007...got debt free first and never had a desire to go back in bondedge.
Without interest payments, it's much easier to build wealth.
Of course buying a new truck is a choice. We typically shoot for around 10yr old. A fraction of the price and years of reliable life left. $10k is a lot easier than $70k.
Please let me know where I can buy 2013 3/4-ton trucks that aren't eaten up with miles for 10K each. I see a lucrative business emerging here! :C
If you are expecting a 10yr old truck with 20k miles that's been barn stored with a cover the entire time, yeah, not happening but long gone are the days when a truck was dead-man-walking at 100k miles.
We are in a 2008 that we bought for $10k about 6yrs ago (the window sticker that was in the glove box, said it was $60k new). Just getting back from a trip to Alaska. We've put a little less than 100k miles on it.
Go ahead and double it for recent inflation (which has really started to settle down anyway) and it's still a heck of a lot cheaper than buying new.
Typically most 10-year-old trucks will have a bare minimum of 150K on the odometer (most with substantially more). I just don't want to start there. No, I don't expect 20K either, but there is indeed a happy medium somewhere along the way for everyone.
It sounds like you're way too concerned with "miles." A diesel pickup is made to last 3-400,000 miles. 150k is nothing.
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twodownzero
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07/30/23 02:30pm |
RV Lifestyle
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