Some Things You Can Do to Repair Your Credit Score

Repairing bad credit is often very difficult but not impossible. There are legitimate credit repair companies who claim that they have “quick fixes” to bad credit but they’re fraudulent. Repairing your credit is like quitting smoking or losing weight, it simply can’t be rushed.

What You Can Do

First and foremost, even though it’s not easy during these financially hard times, you need to make your bills a priority and cut expenses as necessary. Missing even one payment on your credit card can be enough to bring your credit score down a couple hundred points and late fees are piled onto the amount that you already owe. You would also do well to trek your credit report and check for any errors. Checking your own credit report won’t affect your score and be sure to order it from an accredited financial agency. There are many places that will let you check it for free. Errors on your credit report can also reflect badly on your credit score and put an unjust burden onto you. If you do find anything in your credit report that you think may be in error, then, contact the credit bureau as soon as possible.

Some banks have methods of distributing bill payment reminders so you may want to find out if your bank does, if so, use it to your advantage. If not, you can find your own method of trekking your payments and even your spending such as keeping a journal or asking credit counseling agencies if they have something like a Pocket Tracker. Signing up for automatic payments is an option as well but this only covers the minimum that’s owed and doesn’t really trigger a real sense that you’re the one who’s in control. If you don’t feel like you are, chances are, you’ll be completely blind as to how much you have and worse, you’ll probably be tempted to splurge.

It may be a temptation but another thing you don’t want to do is try to “move” your debt. Paying down your debts is more honest. Ideally you should use your credit cards when you’re either first building up your credit and otherwise, only when you have very little or no other choice such as when you need to rent a vehicle. Also, don’t give into the temptation to open multiple credit card accounts or “fixed” cards from stores that you don’t shop at on a regular basis. This usually backfires big time.

If you don’t use your credit card very often or at all, closing your account just because you’re afraid that you might rack up bad credit is not a good idea. Believe it or not, having bad credit is better than having no credit because especially if you’re planning to invest in a big-ticket item, such as a vehicle, anytime soon, your credit is one of the first things they check. If you don’t have any credit, they are even less likely to agree to sell you that vehicle or that home.

28 Jun 2015

Psychic readings: To Believe or Not Believe

crystal ballPsychic readings are by far the most exhilarating or scariest moments in a lot of peoples lives. Have you ever actually sat and thought about how psychics figure out the information that gets brought up during a reading? Or if your one of those people, how do they “dream it up”? It is not impossible that the man or woman performing the reading can actually tell you your future, or in some cases, talk about your past that no person has ever known. It is up to you weather you want to believe what you are being told or not.

Personal readings can be scary in ways you never even thought of. One fact alone can bring you to feel your losses in life all over again. For example, it can bring up the memory of a lost loved one or a tragedy that had once held you down. A memory that may have the potential to bring you crashing down to your knees. It can leave you feeling hopeless or helpless all over again.

A positive is it could lead you to a gold mind of possibilities and what if’s regarding your future success. Psychic phone readings can some times make you think of the path you want or the path you should take to accomplish the American dream you have always wanted. Some times it can lead you to your success. At least that’s what you think happened. Who knows maybe it was really you who led your self there. The idea alone, that what the psychic is telling you can possibly be real can leave you hanging in suspense or running in circles.

If you have had psychic readings or plan to have one, don’t leave it up to an article to tell you weather you should believe in psychic readings or not. Go see for your self. What do you possibly have to lose? Well, besides maybe your sanity or a bunch of money that you decided to spend because your appointment ran out to soon. Either way some people believe in it, some people live by it, and than there’s the other majority who think its amusing and truly don’t believe in it at all. Who knows weather it is real or not. Does any body truly know what is real in the world today? Like it was stated before, the decision is entirely up to you.

05 Jun 2015

What You Need to Know About the Toyota 22RE Engine

toyota engineThe Toyota R series of gasoline straight-four engines is where all four cylinders are mounted in a straight line along the crankcase. The 22RE engine, first introduced in the summer of 1982, was the first fuel injected engine in the series. The ‘E’ denotes fuel injection. A 2.4 liter engine, it is well-known for its reliability.

In the United States and Canada, the 22RE was installed in the Toyota pickup from 1984 through 1995. The Toyota 4Runner also had this engine from 1985 through 1995. The engine was also used in Toyota Hilux, Celica, Corona and the Volkswagen Taro.

One major difference introduced in the 22R series, including the 22RE, is that the dual-row timing chain was changed to a single-row timing chain. In 1985, major changes were introduced.

Toyota 22RE Changes and Performance Specs

  • Launched with a max power rating of 105 horsepower at 4800 RPM.
  • Launched with a peak torque of 137 lb-ft at 2800 RPM.
  • In 1985, the max horsepower increased to 114 at the same engine speed.
  • In 1985, the peak torque was 140 lb-ft at 3600 RPM.
  • Engine is 2.366 liters, or 144.4 cubic inches.
  • Cylinder bore was measured at 3.62 inches with a stroke of 3.5 inches.

Toyota 22RE Head & Block

  • Original 22RE was a cast iron engine.
  • Increased durability with use of soft piston rings, allowing the cylinder bores to avoid ridges.

Toyota 22RE Valvetrain

  • Conventional push rod setup
  • Camshaft in the block
  • Made with 1 intake and 1 exhaust valve per cylinder, for a total of 8 valves.

Issues with the Toyota 22RE

Every 80,000 to 140,000 miles, the chain sometimes stretches. Then, the hydraulic-operated chain tensioner can’t take up further slack, causing the timing chain to bang against the solid-plastic chain guide. Driving with the broken side chain guide, without repairing it, will help a noticeable sound develop in the front of the engine, especially when cold.

Without any repairs, the chain will stretch quickly, causing faulty ignition timing and rough running. If the chain skips a tooth on the drive sprocket or breaks completely, resulting in valve and piston collisions, it will damage the engine. The stretched chain will impact against the timing cover because of the broken guide, wear through the cover and into the coolant passage behind the water pump. Coolant will then leak into the oil pan.

Toyota 22RE Engine Mods

Making mods to the 22RE helps boost horsepower and improve performance. Some mods are:

  • Installing a less restrictive air cleaner
  • Installing a header
  • Re-routing the stock air inlet tube
  • Relocating the fuel and oil filter

The engine was no longer produced as of 1997. Some of these engines are still on the road. It’s still a bestselling engine and there are numerous Toyota 22REs for sale. There are reports on the web of the 22RE with upwards of 341,000 to 500,000+ miles. Even with the upper limit of 114 horsepower, the durability has built a reputation for quality for Toyota that still exists today.

28 May 2015