1997 960 Sedan, 150k mls; are (lots $$$), problems coming?

Change that belt immediately, if not sooner. If it goes you will need to replace the whole engine.

All the best, Peter.

You can replace the timing belt as a matter of urgency, then do other items as they become necessary or when you can afford to do them. Check the tensioner and idler pulleys by spinning them and listening for growling bearings. If they spin nice and quiet then leave them until they start to growl or stiffen up. Water pump needs to be checked to see if wear is developing, feel the bearing for quietness and no stiffening up. If OK then leave till it starts to present a problem. The belt can be changed by someone as you describe (smart, resourceful...survivor). Using your skills and common sense you should be able to maintain this magnificent motor for quite a few years yet.

All the best, Peter.

Actually the two belts have only the crankshaft in common.

Tell us where you're located in general and perhaps someone can refer you to a reputable shop.

Bob

The timing belt should have been changed (70k miles) just before you bought it. Look for a sticker on the timing belt cover or air filter box lid indicating replacement. If it was, then the belt replacement is due again, but it is not really urgent. However, don't put it off too long, or you'll be looking at the cost of an engine, instead of a timing belt. If the belt has never been changed, then you're literally living on borrowed time - it could break at any moment. An experienced Volvo mechanic should be able to tell by looking at the belt whether it's the original one.

But it can't be repeated too many times - Do not ignore this service or you'll be sorry.