6 Tips For Boosting Current Customers Sales For Your Shopify Store

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I am sure you have heard by now that it costs you less to to keep a current customer than it does to find a new one. This is even more true when it comes to e-commerce.  Retention marketing is a key aspect of growing a successful Shopify store and should definitely be on your to do list if you do not have a program in place already.

Below are 6 tips to help you boost sales to current customers.

1. Set up customer accounts

Having customer accounts can be great for storing previous orders as well as shipping info etc. but for new customers, may be too much of a commitment.  For this reason, people will choose to check out as a guest if given the option. The ideal thing to do is to offer to create an account after the first order has been placed.  This should be the option on the confirmation page for their purchase. If customer accounts are optional with your Shopify store, you can look at sending direct invitations to encourage them to set up an account.

2. Have great customer service

Having great customer service is essential to your success.  You need to have a system in place where you can effectively communicate with the customer and vice versa.  Tools like live chat are extremely helpful since you can resolve any questions or issues in real time.  When issues are resolved effectively, you can turn an unsatisfied customer into a loyal customer.

Another way to show great customer service as well as appreciation, is to send a gift to your top customers.  A handwritten note goes a long way too.  This all helps your Shopify store standout from the crowd.   This will also give them a nice reminder to return to your store at some point and make another purchase.

3. Start a customer loyalty program

Loyalty and rewards programs are a great way to boost purchase frequency since they encourage customers to come back more often to earn rewards. You can do your loyalty program different ways.  You can offer welcome points when they first open their account. Seeing the points already accumulating gets them excited to come back even sooner.

The rewards part can come after a second purchase, after a certain number of points or after a certain dollar amount.  In your Shopify store reports you are able to see who your top customers are by both volume of orders and dollar amount.  You can also use loyalty apps which have automated rewards given when certain actions are taken in your store.

4. Use email marketing

Email marketing provides you with a great way to further build your relationship with your customers.  Not to mention they have a high conversion rate.  You just want to make sure that the emails you do send are of value to the customer or you run the risk of losing them.

Sending out a follow-up email email after a customer makes a purchase is a great place to get your feet wet with email marketing. Email Offers is an app that provides you with an easy way to send out customized offers. It can be used for current customers or new ones.

Give it about a week after the purchase is made to send a thank you email.  Doing this will give the customer a good feeling about their purchase from you.  While you are at it, throw some recommendations into the email to make it even more effective.  If you have reviews on these products, even better.  Social proof is everything these days.

As far as additional emails to send out, you can send ones with additional product recommendations or notifications about upcoming sales.  This will help keep conversation going with your customers and ultimately boost those conversion rates.

5. Offer a discount on their next purchase

Discounts can sometimes lead to the customer expecting low prices but when you offer them to a first time buyer, it works out well.  Sending a discount for a future purchase is a great way to build a foundation with your customers.  You can really sweeten the pot by offering a larger discount like 20% or a certain dollar amount off their purchase.  If they come back for that second purchase, they are very likely to continue purchasing from you so it is worth it.

6. Use retargeting

We have all probably experienced retargeting after looking at a product.  You then see ads appear for that same product on other sites you visit.  This helps keep the product fresh in the person’s mind and hopefully pushes them to make the purchase.  This is a great tool to have as a part of any social media marketing strategy.


Your current customers are key to your continued success and growth.  They know your brand and your products.  For this reason, focusing on giving them the best experience possible is the path to revenue growth for your store.





Tips For Starting A Landscaping Business

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1. Decide on what services to offer

As you begin putting together your landscaping business, one of the first things to consider is your skill set.  You should only offer services that you are knowledgeable about. You do not want to get sued for property damage because you were trying to do something you do not have experience with.  With that being said, there is always room to add on more services as you purchase additional equipment and further develop your skills.

2. Grow your skill set

In order to get your landscaping business off the ground, you need to offer up a better job than the homeowner can do themselves.  Now is the time to better your skills at mowing, edging and trimming.  You may even want to think about taking a class on lawn care at your local college or see if any classes are offered elsewhere in your area. Gaining knowledge about plant care would go a long way too.  It is a good idea to become versed all around.

3. Know climate conditions

Knowing the climate conditions based on season in your area is an important part of being able to keep your clients’ lawns in tip top shape. Different techniques are needed for certain types of grass depending on the season. Having this knowledge will yield positive results for your clients and in turn lead to more repeat business. Bottom line here is that the more you know the better.

4. Apply for proper licensing

Before you are open for business, you need to make sure you have all the tax registrations, licenses and permits taken care of.  The requirements will vary depending on what city you are in but getting in touch with your local tax revenue office, the  county clerk and state department will give you the necessary details you need to get started.

5. Have the right equipment

When you are just starting out with your lawn care business a standard lawn mower and clippers may do the trick but as your business grows, you need to start upgrading your equipment.  Investing in commercial lawn care equipment will allow you to provide higher quality results and you will end up saving yourself money in the long run.

6. Advertise your services

In order for people to find out about your business, you need to do some form of advertising.  You can take out ads in any local publications, create your own ads and give them out to those in your neighborhood, have decals made etc. These are all small investments that can help you get the word out about your new business.  If you have the budget for it, advertising on the radio can drum up good business too.

7. Get insured

As your business starts to grow, you should think about getting an insurance policy for your company so that you are covered should an accident happen with an employee or the equipment. As a business with employees, you are required.  Commercial grade equipment is expensive and having insurance will definitely help with the cost of replacing or repairing it.

9. Keep up with industry trends

Every industry goes through changes year after year.  It is important to stay abreast of new kinds of techniques, technology, fertilizer etc. in order to stay a step ahead of the competition. As your business hopefully expands, you will want to consider upgrading your business systems.  Landscaping business management software is definitely something to consider to help you keep your business organized while maximizing profits.



10 Tips To Help You Optimize Your Facebook Marketing Strategy

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Instagram and Snapchat may be all the rage these days but Facebook still remains a dominant presence in the social media market. With over a billion people active daily, it is by far the most popular of the social platforms. In order for your Facebook business page to reach its fullest potential, you have to optimize your strategy.

Below are 10 ways to optimize your Facebook marketing strategy

Start with a Clear Goal

Before you begin to draft up any marketing plan, you have to set clear goals.  You also have to give thought to the metrics to measure for each in order to determine if your campaign was successful. These are steps you cannot afford to miss.  Below are some common goals to think about for a Facebook advertising campaign:

  • Driving up sales: If your business is targeting consumers, you want to look at using page post ads to promote your products in the news feed.  If you are targeting businesses, you want to stick with the page posts ads as well but also use the ads that appear in the right hand column. Either way, the end goal is to boost traffic to your website.
  • Increase brand awareness: More likes to your page is the goal and you can use page like ads to get them.  With that being said, you want them from a targeted audience.  Those of your competitors, people with aligned interests and custom audiences. Be sure to leave out those that are already fans.

Boost engagement on your posts

For this you want to use video ads, photo ads and link ads. You want your creative to be extremely visual with great photos.  Start by targeting your current base and add on by targeting those with similar age, gender, interest and purchasing behavior.

Mobile Ads and Desktop should be kept separate

Facebook provides you with different ad types that you can run.  They offer Instagram, desktop newsfeed, mobile newsfeed and right column. You should keep your mobile and desktop campaigns totally separate. This will allow you to enhance your bids, ads and conversions based on device.

Try out two different images

So much about advertising is visual.  Images will attract attention, and if you try out more than one, you will see they each perform differently.  For this reason, you should test out two images and see which one you get a higher response from.  You can then stop running the ad with the lower click rates and conversions that way you are maximizing your ROI.

Use Lookalike Audiences

Lookalike Audience from Facebook gives you the opportunity to create a custom audience that has the same traits as your current customers.  In order to create one, login to the Facebook ads manager and click on audiences. After that you just click on“Create audience” and select “Lookalike audience” from the menu.  You then need to choose the source of your lookalike audience.  This can be people who already like your page, those similar to your current customer base or people similar to those that have visited specific pages on your site. Keep in mind that the smaller audience size you go with, the more targeted it will be.

Add the Remarketing Pixel to your website

Potential customers that have come to your site but did not end up converting, are probably comparison shopping. This can take time and when they are ready to make their purchase, chances are they have forgotten about your site.  This is where the Facebook remarketing pixel comes in.  It allows you to target those people who came to your site via Facebook ads. All you have to do is install the code in the footer of your site. After a few days of pulling data, you will be able to see who has visited the different pages on your site. At that point, you can create lists to include in your marketing efforts.  A great tip is to exclude anyone who visited your thank you page since that means they already converted.

Use your email list

Facebook allows you to upload your email list and create a custom audience. Just create a .TXT or .CSV file with just one email address on each row.  Just go to “audiences” and it’s easy from there to upload it. You are also able to upload phone numbers and target them with Facebook ads, but that is only if their number is listed on their account. You also have the ability to create a lookalike audience based off of these targeted lists.

Schedule out your posts

As a business owner, finding the time to create great content to post for your social media accounts is tough.  With that being said, this is an essential part of content marketing.  If you find yourself not being able to dedicate the time needed to manage a successful Facebook presence, you should consider outsourcing this. You can partner up with a company that can create custom social media content for you. All you have to do is provide basic details about your company and your target audience and they will create unique content for your brand. This is not only for Facebook but also LinkedIn and Twitter.  Once you approve your content, you can schedule it to go out whenever you want.  This service has really been a time saver for my business and is definitely worth looking into.

Try out the carousel ads

If you find that your audience responds to product images that are in a series, you should consider combining them into a single carousel ad. Ecommerce businesses can also use Facebook’s dynamic product ads which allows you to cross-sell related products.  It will also allow you to retarget customers who visit your website but did not end up purchasing anything.

Advertise on Instagram, Too

Facebook owns Instagram, so if your audience is on there as well, it makes sense to advertise there.  You are able to create the same ads and you can choose whether you want your ads to just run on Facebook or both. A key factor with Facebook is you want to be sure to use segmentation.  Try running various ads on a small scale and see what works before dishing out more money.

7 Traditional Real Estate Marketing Tips That Help Bring In More Business

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Digital marketing has changed the real estate industry.  Homebuyers are online looking for homes on google and any other real estate websites.  All the agents are employing online marketing strategies, but as with anything, that can grow stale.  One way you can stand out is by revisiting those tried and true traditional marketing tactics.  This is not to say you should stop your social media marketing or any other digital advertising.  This is just something else to add back into your marketing arsenal.

Below are 7 traditional real estate marketing tips to help you boost sales.

1. Be proactive with your inbound marketing

In real estate, it is all about making those connections and it will not just happen by itself.  You have to be proactive.  Potential buyers and sellers are all over the place.  Your local events are a great place to start. Concerts, sports games, carnivals.  Use these venues to chat up couples both young and old.  Give them your business card and you now have a potential new lead.  Give them more than one so they can pass them onto any friends and family.  By doing this, you make yourself memorable.

2. Join forces with influential locals

Referrals are gold to real estate agents and brokers. Facebook and Google are good but the word of a trusted community professional is more trustworthy.  Consider linking up with heads of churches, newspaper editors, your local civic association as well as anyone else in a leadership position.

3. Every “for sale” sign should have your cell phone number and email address 

This is a great tactic, yet many agents leave this one off their to do list. Potential buyers do not want to get stuck with an answering service to try and get to the agent. Giving them access to your direct cell number and email address is much more inviting. You can even tell them to text you which makes it even easier for them which is a win all around.

4. Put together educational events

Whether you do it alone or bring in other real estate colleagues, putting on an event of expert lectures is a great idea.  You can give tips on credit repair, how to qualify for a mortgage, tips on refinancing or any other topic related to real estate.  At the end of the event, you can pass out your business card and give out flyers.  You will no doubt get a nice amount of leads.

5. You must follow up

This may seem obvious, but many agents often forget to follow up with potential clients. Leave a voicemail or send an email.  If you are worried about coming across as being pushy, give some thought as to how you can provide them with something of value.  You can share a new listing you think might interest them or some other information that they will find value in.

6. Get out there and network

This is one of the oldest forms of marketing and still stands strong.  Speak with local contractors, business owners, mortgage brokers, interior designers.  Anyone you can think of that can be an avenue for more business.

7. Get those flyers out

Flyers are still one of the most effective marketing tools for getting the word out about your listings.  Print them out and put them anywhere you can think of that allows businesses to market themselves.  Local businesses and community boards are a great start.  While you are at it, create real estate email flyers as well. It is a super fast and easy way to get the word out about your listings.  Make sure you have all the pertinent information on them and press send.







5 Tips For Creating New Social Media Posts With Old Content

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Coming up with fresh new content on a consistent basis can definitely be time consuming. If you are trying to get more posts out or even just looking to fill in some gaps, re-purposing your previously published content is a great idea.

Here are a few ideas on how you can re-purpose your work.

1. Take previously shared photos and use them as backgrounds for graphics and visual quotes

Do you have an awesome photo that you shared a while back?  Get creative and apply a filter or add an inspirational quote and repost it.  Boom.  You have a fresh new post ready to put on your social media channels.  Another thing you can do is use previous photos in your header images.

2. Evergreen content is your new best friend

Evergreen content is content that has no expiration date and will retain its value and relevancy over the long-term. These can be anything from how-to tutorials, videos, product reviews and more.  If you have any of these that you have posted, add a new spin on it or you can add value to the post by providing more in depth information on the subject at hand.  You can also rewrite the content by switching up the wording and adding some graphics.  Check out this informative article from Social Media Examiner if you want to read more about evergreen content.

3. Take a past post and build on it

If you have any past posts that have really done well with responses and shares, you can use this post as the base for a new post.  You can take the old post and add any new details or developments to it.  Voila, new post ready to go.  If you are not scheduling out your social media content , you should be.  This is a huge time saver and beneficial to your overall marketing process. I like using Autogrammer to schedule Instagram posts.   I can schedule out posts to Instagram, Facebook and Twitter and their photo editing and sharing capabilities are great and simple to use.

4. Take survey results and make them into posts or graphics

Surveys are a great way to boost engagement with your followers.  If you have done any, they can really be a great source of content. After you have taken a survey, you can use specific insights that you found and create them into visual content (share facts, create an infographic).  You can also try and come up with new questions to ask your followers.

5. Put together summary posts

Putting together a summary of posts is an easy way to get more eyes on your more popular pieces of content.  Gather up your best or most popular posts from a specific period and showcase them to your audience with a tagline like “In case you missed this” or #ICYMI.  You can also present it as a “Best of the week/month” compilation of great posts on subject matter that is related to your business or audience.



5 Powerful Tips to Market an Open House

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It goes without saying that for an open house to be successful, you need to get people in the door.  Before the internet, this was in many ways easier.  There were only so many places to advertise (a listing in the paper and some flyers on the doorstep) and when the day came, you would place a sign on the front yard and on the corner of your street.  Flash forward to now and there are so many different ways to get the word out. You really have to adapt and get creative with how you are going to get those feet in the door!

Below are some ideas on how to market those open houses like a pro!

1. Look To Local Businesses

Teaming up with local businesses is an awesome way to give your open house marketing a boost.  The first step to consider is how you can benefit them.  If it’s a restaurant, perhaps you can cater their food for your open house.  Maybe offer to hand out coupons for their business.  If you approach them with some ideas on how this arrangement can be beneficial to them, they are more likely to move forward with the arrangement.  Now that you have gotten that out of the way, you can brainstorm how they can help you. Do they offer any places where you can display information about your upcoming open house? Is there a space for local establishments to advertise their services?

flyer makerNow would be the right time to think about printing up some flyers to put on display. Flyerco.com offers a great online flyer maker.  They have tons of beautiful real estate flyer templates that can be customized with your own text and images.  Just download, print and share!

2. Create and Send Email Flyers

Email is one of the best ways to reach people.  When they receive an email, they have to either read it or delete it. Make sure you are maintaining an up-to-date email list and let your prospects know you have an upcoming open house.  Next step is to create an awesome email flyer to send out.

If you do not want to maintain your own database of contacts, use an email flyer service such as flyerus.com. They are so simple to use and I love their email flyer templates.   When creating your email flyers, you should think about including any special details about the open house. Will you be serving refreshments or have a special kids corner?  These are details that will help your email flyer stand out.

Add some beautiful images of the property and voila!  You have a buzz generating marketing piece ready to go with a click.

3. Become Best Friends With Other Agents

It’s always a good idea to have a nice group of agents you are friendly with both in and out of the office.  Focus on the ones that are selling as much as you or more.  Create a nice little network of top performers and agree to share details on upcoming open houses.  Have one person create the list and send an email out to everyone in the network. You may have just doubled your attendance, so easy! 2 heads are better than 1 and 10 are better than 5.  Never hurts to have like- minded, success driven professionals helping each other succeed.

4. Look to Offices Near Your Listing

Do some research and find out what businesses are near your upcoming open house. Print up flyers for the open house and leave them at the businesses. Attract more attention by attaching a small treat or coupons to a local establishment.  Adding value to the flyer will increase the odds of someone looking at it.

5.  If You Are Not Using Social Media..You Should Be 

As a given, you should be posting about your upcoming open house on all your social media accounts ( LinkedIn, Facebook, Twitter and Instagram).  Your sellers should also be sharing that post on their own social media sites. These are the basics, you need to take it to the next level to stand out.  One way to do this is by scouring your local community Facebook pages.  They always have a bunch of followers and posting your open house will certainly have a lot of eyes on it.  Just think of all the “sharing” that can take place, expanding your reach without having to do any work! Just be sure to read the terms of groups Facebook page.  Some do not allow advertising.  You as well want to create an ad for the open house to appear both on Twitter and Facebook.


All You Need To Know About Powder Coating

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Powder coating is a coating that is applied to objects much like your common household paint, but unlike paint, powder coating does not contain a liquid filler that needs time to evaporate. Instead, after a powder coating is applied, it is heat cured until it forms a “skin”. The powder is made up of either a thermoplastic or thermoset polymer. Using the powder coating method results in a much tougher surface than conventional painting does. And much like paint, a powder coating may be applied to a variety of surfaces, such as metals, automobile and bicycle parts, drum hardware, and household appliances.

There are advantages in using the powder coating method as compared to painting. Since there is no liquid carrier in powder coating to evaporate, powder coating produces much fewer volatile organic compounds than painting does, and with the absence of a liquid carrier, several coats of powder coating can be applied to a surface without running. Another advantage when using powder coating is that many different colors may be applied before being heat cured, which results in eye catching color blending and bleeding. Powder coating is also surprisingly cost effective because the cost of a powder coat gun, booth and oven is comparable to the cost of a typical spray gun system. However, unlike spray paint systems, any over-spray from the powder coating process can be recycled.

Powder coating contains different polymers, including polyester, epoxy, polyester-epoxy, polyurethane and acrylics. To produce the powder in powder coating requires a three step process. In a mixer, granules of polymer, pigments, hardeners and other powder type ingredients are mixed well. The resulting mixture is then well heated in an extruder. Then the mixture is rolled out flat to allow it to cool. When cooled, the mixture is then broken up into chips. Finally, the chips are run through a grinder, resulting in a very fine powder.

The powder coating process consists of preparation, powder application and curing. Before the coating can be applied, dirt, oil, grease, welding scale and metal oxides must be removed. This can be done by mechanical or chemical methods, depending on what material the part consists of and the size of the part to be coated. The chemical process entails immersing the part into a chemical bath containing phosphates and chromates. Another method to prepare the surface is to use an abrasive process known as sandblasting.

Applying the coating is commonly accomplished by spraying, using an electrostatic gun. The job of the gun is to produce a positive electric charge to the powder, which in turn will easily stick to the object being coated. An alternative method is called the fluidized bed method, which is done by heating the object and then dipping it into a powder filled bed, thus allowing the powder to melt and stick to the heated object.

The curing process uses heat, which in turn, causes the powder to melt and causes a chemical reaction resulting in a durable polymer bond.


5 Tips on Choosing the Best Pet Insurance Plan

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catHaving a pet at home provides so much joy to a family. Many pets are loved and considered part of the family because of the affection, loyalty and fun they bring. However, there are costs associated with keeping a pet at home and vet bills are one example.

Good news is that the right pet insurance can help offset these otherwise costly vet bills. There are different types of pet coverage available. It is important to consider these carefully before deciding whether pet insurance is really worth it or not. Having some basic understanding of pet insurance is essential before committing to a particular cover.

1. Choose the right kind of pet coverage

There are essentially 3 types of pet coverage. These are accident insurance, illness insurance and wellness insurance. Accident insurance covers the cost of treating a pet in case of an accident. This is the most common type of cover because most pet owners want to be sure their pet will receive treatment when an accident occurs.

The other types of pet insurance are illness cover and wellness cover. Illness is an uncertainty that can be covered. The cost goes up as the pet ages so it is advisable to get this cover whilst the pet is still young and without pre-existing conditions. The final type of pet cover is wellness insurance. This type of cover takes care of an event that will happen which is the routine annual tests and exams.

2. Compare costs and choose the most appropriately priced plan

There are different types of pet insurance from different companies. Some are expensive while others can be considered affordable. No pet owner should over-pay for their insurance and similarly, underpaying should not be an option. Pet owners should therefore take the time to compare the different types of cover in the market, compare the cover with vet charges and then make the best choice in terms of pricing.

3. Identify the most suitable insurance company to buy from

There are plenty of insurance companies offering pet insurance coverage in the market. Sometimes it is difficult to identify the most suitable company. Fortunately, there are some parameters that can be used by pet owners to make a determination. These factors include cost of insurance, customer service experience, company rankings with organizations such as BBB, incentives and even customer reviews. These factors can point a pet owner to the most suitable insurance company.

4. Find out the rules regarding pre-existing conditions

Many insurance companies are often alert to conditions or illnesses a pet may have suffered in the past. Some, like cancer, are costly to treat. Before investing in any insurance policy, pet owners should find out what a company’s policy is in regards to pre-existing conditions. This can help in making the right decision.

5. Is specialized coverage required?

Some types of pets such as large dog breeds need special kinds of insurance. Others may require cover for conditions such as cancer. Before investing in any pet insurance, pet owners should find out more information on whether a particular pet may require specialized coverage.

Pet Grooming Basics from Bathing to Brushing

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dog groomingOwning a pet comes with great grooming and responsibility and is an important element of caring for one’s pet. Grooming most effective practices vary widely across breeds. Grooming may be a do it yourself endeavor, make sure you have the right equipment, or you could leave grooming to the professionals. Below are some grooming basics to try and keep in mind.

1. Bathing

The ASPCA advices that one bathes their pet at least once every three months. But, if your pet is more outdoors frequently, one may require to bathe their pet more frequently. Many pets are scared of loud noises, thus introduce the very noisy hair dryer early on!

The initial step to giving ones pet a healthy bath is selecting the right tools. Conditioners and shampoos should be quite gentle in nature. Note: A good shampoo can be found on Amazon: http://www.amazon.com/Medicated-Dog-Shampoo-Antifungal-Antibacterial/dp/B016PATC4S

It’s a good idea to test them on a pet first (before purchasing a lifetime supply) so as to make sure your pet doesn’t experience allergic reactions. Your local pet or vet store may be able also to recommend better types for your pet.

Finally, don’t forget cleaning the pet’s ears. It’s one of the few finishing touches of grooming.

2. Brushing

Brushing your pets prior to bathing them is recommended to get rid of any dead tangles or hair. If you do not know how to get rid of dead or tangled hairs properly choose the correct type of comb based on the pet’s coat.

Three common brushes are:

  • Bristle Brush – Universal style brush which can be used on all coat types.
  • Wire Pin Brush – Effective for medium to long breeds.
  • Sticker Brush – tool for getting easily through tangles and mats.

A note on shedding: Dealing with this can be time-consuming and frustrating. However, many more effective remedies are now available such as the anti-shedding blades, de-shedding shampoos, vacuums and nutritional supplements. Any local pet store or vet’s office will gladly offer many options as well as online ordering can be a lower cost option.

Note: Heaving shedding is common for some breeds.

3. Clipping Nails

Clipping a pet’s nails is a vital aspect of any grooming process; using equipment such as clippers, scissors and grinders vary upon the size and breed of your pet. Tutorials online on these topics are abundant and may be a great teaching for first-timers. Often the most difficult challenge with clipping a pet’s nails is having your pet sit still. If one’s pet is young, it’s a good idea to have it get used to nail clipping early. With larger pets however, it may be wiser to enlist the assistance of another person.

4. Brushing Teeth

Clean teeth are an important part of a pet’s grooming routine. Pet nutrition could run the gamut entirely from being something which merely sustains any pet’s life to foods which can actually help maintain certain health deficiencies. Work with any veterinarian to strive highly for the optimal amount of nutrients for your pet’s individual needs. So how does one know what to actually feed that important family member? It’s best to begin with the basics.

How To Improve The Score on Your Credit Report

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good creditYour credit report is used for obtaining financing for a car, home or credit. It is important that you maintain a good credit report, because you will save money on interest rates. People who have a bad credit rating must pay more money for homes and cars or they are declined. Many corporations also run a credit check for employment opportunities.

Understanding Your Credit Report

It is important that you review your credit report at least once each year. There is no charge for requesting your credit report one time, but if you are turned down for credit, you can request another report free of charge. There are many things you can do to improve your credit report once you obtain it. You can request your credit report online or through the mail.

Update your accounts that have been paid in full or closed to list as many accounts with a positive rating as possible. The three major credit reporting agencies in America include Experian, Equifax and TransUnion. Visit their website to ensure everything is correct such as employment, address and account information. You can also place an alert on your credit report if you have been a victim of identity theft.

You will find in your credit report personal information about you, including your Social Security number, past and current address, past and present mortgages, credit cards, installment agreements, loans and public records, such as liens and bankruptcies. Your credit report will note if accounts are current or past due. It will also indicate whether you have moved without notifying a creditor.

How to Change Your Credit Report

If you find credit or personal information that is not accurate, you will need to dispute them with the help of a credit repair company such as Lexington Law. Some credit reporting agencies allow you to do this online, while others only accept disputes through the mail. Expect to wait a few days for online disputes and several weeks through the mail. When you challenge your credit report, the agency is required to verify the information. If the information cannot be verified, the agency must remove the information from your report.

Be prepared to submit proof of your dispute in the form of credit card receipts or copies of checks that show you paid the debt. Do not dispute more than three items per letter or online request. This will only slow the entire process down and leave you frustrated. Most credit reporting agencies must contact you within 30 days after receiving your letter. Disputing your credit report is your legal right according to the law.

Replacing Good Credit with Bad

If you are patient and persistent, then you can change your credit report from bad to good. It may take some time for bad credit to drop off your credit report, but if you start making good financial decisions, you can greatly improve your credit. If you do not have any debt, then apply for a credit card that you pay off each month. This can help improve your credit report and save you money on future purchases.

Brief History of the 22RE Engine

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toyota 22reToyota has a long standing reputation for the durability of their engines. The Toyota 22RE was one of the final engines from the long history of Toyota R family engines. This 4 cylinder 2.4 liter engine made by Toyota is yet another great engine that is made to last.

The Toyota 22RE was first introduced to the public in 1982 and was a cast iron engine. 1985 brought about some big changes for the 22RE; the block was taller and the head was shorter than the previous model. The 22RE is the fuel-injected version of the 22R and originally produced 105 horsepower at 4,800 rpm.

The Celica was the first Toyota vehicle to use the 22RE (learn more here: http://209yota1.com), but were discontinued in 1985. It was also used in the Toyota pick-up trucks and the 4Runner until 1995. In addition to the Celica, pickups and 4Runner, the 22RE engine was also put into the Toyota Hilux, and Toyota Corona and even used in the Volkswagen Taro (until 1997). Over the next decade modifications were made and could reach a maximum torque of 137 at 2,800. By 1995 the horsepower increased slightly to 112 at 4,600 rpm with the maximum torque being rated to 142 at 3,400 rpm.

Overview of the 22RE

The 22RE is an OverHead Cam (OHC) design that has a hemispherical combustion chambers. It is was manufactured as a 4 cylinder engine with one intake and one exhaust per cylinder valve, a total of eight valves. The valve train on the 22RE uses a push rod setup with the camshaft in the block. It also offered soft piston rings that allow the cylinder bores to avoid ridges throughout the duration of the engine’s life and increased its longevity. While it is not quite as effective as a Twin Cam, which offers a two or four valves per, it is extremely efficient.

This engine offers quite a bit of torque at a reasonable RPM because of the long stroke. In later versions of the 22RE, the shorter head model, had keyhole shaped exhaust ports. With that being said, the 22RE is a great dependable and durable engine, but does not offer much get up and go.

Even though the 22RE was discontinued after 1997 it has been reported that these engines are still going strong with usually having the ability to go 300K-400K miles. There have even been a few reports of the Toyota 22RE reaching 1 million miles. The most important thing to remember with the 22RE is to make sure timing chain in changed every 150,000 miles due to the fact that it will get loose and eventually wear through the back of the water pump housing. What the Toyota 22RE engine lacks in power it makes up for it in reliability and longevity.

How Long Will The PPI Scandal Continue?

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Long has it been speculated as to how long the ppi claims scandal will continue for, because most people thought that it would be more of a short term issue, with people speculating that within a 18 months it would all be over, however, the scandal is going strong with more people than ever putting in claims for ppi, so how long is this likely to continue for?

Lets look at some of the facts…

  1. First of all, since 2001 there have been over 34,000,000 ppi policies sold
  2. It is speculated that only 1 in 3 people have reclaimed their ppi

Looking at these two facts alone, it becomes quite apparent that there are a lot more ppi policies to be reclaimed upon, and that this scandal will continue well into the coming years, assuming the banks do not get their deadline, which, if this article is anything to go by, the banks don’t have a chance PPI claims.

There are still a plethora of ppi claims that are yet to be reclaimed, and there has been more than £10bn paid out to the British public already, and it is thought that by the time all of the ppi policies have been repaid the total bill will be around £25bn.

So this scandal is likely to go on for some time yet, with so many people still yet to claim their compensation, not to mention the people who have not even thought about putting in a claim yet.

Further down the line, it is expected that perhaps the claims will taper off, due to some people forgetting about their miss sold policies or not taking the time to put their case into action or submit it to a claims management company (CMC), however this is likely to be about the question of awareness and exposure, as people can only act upon information on which they can make their decision, so if the advertisements continue, and people continue to talk about it to their friends, relatives and colleagues it is likely that the demand will remain constant.

If the figures above are correct, that would suggest that we are around the halfway point of the claims’ scandal, meaning that if it has gone on for 3 years so far, it is likely to go on for at least another 3 years assuming the cases are completed at the same rate as they are now, which is accurate.