Advancing the timing will not make the valves clatter, it will make the engine detonate if you're not running higher octane fuel! 5 degrees btdc is correct, and you can go as far as 3 degrees either way and still stay smog compliant (in California atleast) but advancing may cause detonation, which if left unchecked will cause severe damage to your engine!
look on underside of hood there is a sticker.
The timing on the 22re should be set at 5 DBTDC. It can be set ahead to 8 or 12 BDC if it doesnt cause the engines valves to "clatter" and "knock".
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Ignition timing or valve timing?
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The timing setting for a 1988 Toyota Tercel is the "3E" hole lines at the top. This setting is for a Tercel EZ 1500 engine.
You just unscrew it.
the v6 has a belt!
10 degrees BTDC
there is a small pin you can see through the plastic on the steering column in front of the ignition. you insert the key and push the pin to release the cylinder. you may need to remove wheel to get to it though.