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Struggling to find the best buy-to-let mortgage in Didcot? speak to one of our buy to let mortgage advisers today
The term 'buy to let' generally refers to either the practice of buying a property to be let for profit or to the type of mortgages used to purchase a property for such letting. Many countries, both in the western world and in the developing nations, have seen a surge in the growth of the buy to let property market in the last 2 decades and this has fuelled a growth in amateur landlords and the but to let mortgage providers who are keen to encourage and profit from them in turn. In addition, this growth has generated a lot of commerce in other related sectors such as buy to let insurance.
Buy to Let Deal of the Day 11th Jan 2017
Many countries, both in the western world and in the developing nations, have seen a surge in the growth of the buy to let property market in Didcot the last 2 decades and this has fuelled a growth in amateur landlords looking for quality mortgage advice, this is why mortgage brokers in Didcot who specialise in Buy-to-let are so important and the but to let mortgage providers who are keen to encourage and profit from them in turn. In addition, this growth has generated a lot of commerce in other related sectors such as buy to let insurance.
Didcot Buy to let mortgages have been available in the UK since the mid-nineties and they are specifically designed for investors to borrow money to purchase property in the private rental sector. The amount that a prospective but to let investor can borrow is generally determined by the rental valuation of the property. The annual income for a rented property has to cover a certain percentage of the mortgage repayments, the Association of Residential Letting Agents (ARLA) states that landlords should seek to be able to obtain gross rent returns equivalent to between 130 per cent and 150 per cent of the rental property's mortgage repayments, this takes into account the surplus rent to cover costs of property maintenance and slack periods when the property may be vacant of tenants.
Didcot Buy To Let Mortgages.
Some buy to let mortgage lenders in Didcot will lend you a maximum sum based on a multiple of your salary (usually a multiple of three) plus a percentage of the forecast rental income on the property. So if your annual salary is said 30,000 Franks and the forecast rental income is 10,000 Franks they will lend you 95,000 Franks. Other mortgages, in addition to factoring in your salary, will include any existing loan commitments you have, and then apply what is known as the 'deduction rule'. This rule relates to the annual mortgage payments worked out at a pre-set level of interest.
Buy to let mortgage interest rates are generally fairly close to residential mortgage rates but will generally be slightly higher and typically charge higher fees. This is due to the fact that buy to let loans are considered by the financial sector to represent a greater risk than residential owner-occupier mortgages, and they generally are.
The Situation in the UK About Buy To Lets
The buy to let market literally 'exploded' in the Didcot around the beginning of the millennium with rising property prices and the increasing availability of buy to let funding fueling a surge in would-be investors trying to cash in on the trend of the market. One reason for their popularity is the tax advantages that are available to the UK buy to let investors. Rental income is treated just like a salary by the Inland Revenue, and is therefore often taxed at 22% or even 40%. However, landlords are allowed to deduct costs from the taxable portion of their rental income, and these costs can include the interest of the buy to let mortgage repayments as well as maintenance costs on the property. These tax incentives made the buy to let market very attractive for both professional investors and amateurs looking to make the most out of their savings.
Would-Be Buy-to-let Investors
The market peaked around 2007 and now the market is saturated in many areas across the country with too many properties available to tenants. While buy to let is generally not a good idea for people who do not possess some extra budget there are a lot of remortgage deals which will fund a deposit for a home. If you are worried about losing money during void periods many companies will provide insurance which can deliver as much as six months mortgage payments in the event of a property in Didcot remaining unoccupied.
You may still be lucky, and find a hotspot but you need to do your homework and the figures correctly. Buy to let trends differ from town to town and literally from street to street. Good advice for potential investors is to visit the local letting agents who should be able to tell you who is renting what at the moment so you can define your target audience. It could be students, young professionals or families, for example. Look for areas that do have a shortage of properties and for indicators that people will move there, such as new business developments.
Buy to let mortgage deals are still rife and the rates are almost as competitive as with conventional deals. The mantra with your buy-to-let must be 'don't expect to get rich quickly'. You need to look long-term: an absolute minimum of five years – but probably nearer to ten years.
It's Rob from Property Investments UK.
In today's video we're going to be looking at what is professional buy to let and howit maybe could be suitable for yourselves or what to kind of consider and how to tryto find those great professional buy to let property deals.
So professional buy to letis quite simple in terms of, I suppose, the methodology or the type of deals it is.
Sobuy to let effectively, is buying a property to let out or to rent out.
The professionalaspect doesn't mean in terms of how professional or professional you are in terms of lettingit.
It's more referring to the tenant type of profile, so there's lots of different tenantprofiles within property of residential and commercial.
Specifically within residential property you could consider investing your money into aproperty deal that then rents out to maybe a student tenant or to what's classed as housingbenefits or local housing allowance tenants, social housing, also professional tenants,which is what the kind of professional buy to let property deals are that we look atwithin our property investments website.
Now when it comes to professional buy to lets,what we do mean with that is somebody that's really earning an income, a wage, and thatjob is effectively going to pay for their rent in that property.
There's a whole rangein terms of scale, so it could be somebody that's on an income of 10, 15, 20,000 a yearor somebody that's on an income of 50,000 plus a year.
It's just a category.
Professionalbuy to let just refers effectivity to somebody that's currently earning their way with anincome and that's what they're going to be using to pay for their rent.
Now on our website we have a number of different property deals, a number of different categories,everything from HMOs through to service accommodations.
Specifically though, with professional buyto lets, I'll pop below this videos some links and some details on what available propertydeals we currently have.
Now, typically on our website we only usually show one videoor, sorry, one property per category, but we do have many other opportunities available.
So if that particular property, is it maybe in the wrong area or you want to look at somethingslightly different, but you like the idea of a professional buy to let, simply sendus a message.
Give me a call and we can run through the different opportunities that wecurrently have that fit that particular type of category or strategy.
So hopefully that helps.
Any questions, don't hesitate to ask.
We just wanted to give youa bit of an idea of what professional buy to let property and what a ready to go kindof deal might look like.
And I put all of those kind of listings, those available dealsbelow this video with some links for you.
Any questions don't hesitate to ask and Ilook forward to catching up with you on the next video.
All the best.
What Is The Best Way To Work Out Rental Demand and Supply?
Rental property management - should you usea letting agent or do it yourself? Managing your own rental property can sound appealingto some people when they first start out because they'll know they will save on the lettingagent fees.
But you should consider whats involved and be honest with yourself and thendecide whether property management is right for you.
I have 3 questions that you can ask yourselfto see if you have what it takes to be an effective property manager, coming up.
Hi I'm Andy Walker from monoperty.
Com whereI blog online about my journey as a property investor and landlord, sharing what worksfor me and what doesn't, to help you start or expand your property portfolio.
Now it's true, letting agents do not haveany special qualifications.
Anyone can act as a letting agent.
But what they do haveor should have, are these 3 key areas which you need to check and decide as to whetheryou can deliver them yourself.
Do You Have The Knowledge? Do you know all the steps you need to taketo comply with the law and protect your asset? For example, securing the tenants depositin a Deposit Protection Scheme, checking that prospective tenants are eligible under theRight To Rent scheme if your letting in England.
And you need to be aware of any certificatesand any licensing for your area depending on the type of property and number of occupantsthat you will have.
A good letting agent will know the answers to all these questions andmore, and they will have systems that keep them update with both national and local lettingsrules.
Do You Have The Resources? For example tenancy agreements, guarantorforms, background checks for prospective tenants and membership with professional organisationsthat you can turn to for advice or if things go wrong.
As soon as the tenant moves into a property,they become the legal occupiers of that property.
And you don't want to give tenant's that legalright until you know that all background checks, contracts, deposits, and the first monthsrent is in place.
And the last question is, Do You Have TheTime? to run a rental property legally and effectively.
Are you willing and do you havethe time to take and respond to phone calls from your tenants at all hours of the dayand night? And can you handle co-ordinating all the maintenance? I think lots of inexperienced landlords makethe mistake of not putting value on their time.
They think they are saving money bymanaging their properties themselves, but they're not getting paid for the time thatthey're acting as a property manager they are simply just saving 5 - 12% on their income.
I would like to point out that if you do usea letting agent, you as the landlord are still responsible for the safety of your tenants,but by employing a professional agent, you will reduce the risk of anything going wrong.
There is risk associated with any type of investment, and I like to reduce that riskwas much as I can.
As a landlord, your aim is to provide an excellentservice to your customers, otherwise your customers are not going to stay for long.
If you don't have the time, knowledge or resources to serve your tenant, you will not be providinga good service.
If you have been able to answer yes to my questions and you have a passionfor property management, then brilliant, and I wish you all the best, but if your juststarting out, I don't want you to think that property management is easy and thatit's a good way of cutting back on costs.
Now, everything I have mentioned in this videocan be learnt.
So why not take one step at a time if your just starting out on your propertyinvesting journey? I was a landlord for over 8 years whilst I was in the Army and I useda letting agent because I didn't have the time to manage my properties.
But I pickedthings up during that time and got a feel for what was required to meet the standards.
Once I retired from the Army, I reviewed my situation and decided to continue using aletting agent but I dropped the maintenance services.
If any repairs are required, theagent will now contact me and I will decide whether I take it on or I give it back tothem.
Letting agents typically charge an administration fee for arranging any repairs or any maintenanceand issuing of any certificates so I decided to take that on and save on some of the costs.
Before I finish there is one piece of goodnews, and that is if you do use a letting agent, all their fees are tax deductible.
If you have any questions about property management,please leave a comment down below and if this is your first time visiting this channel definitelysubscribe so you won't miss any of my future videos that will all be geared towards helpingyou, start or improve your property business.
Thank you so much for watching, please likeand share this video if you found it useful and I will see you soon.
and you don't want to give tenants …….
argh! which you need to be aware of ….
no ….
argh! and … huh (exhale).


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The Times, They Are Hurting
On February 18, 2009 The Times eliminated its dividend-with the stock price at an all-time low of $3.51, which is cheaper than the price of $4 for its Sunday edition. These two belated cuts in the dividend will save The Times $133 million annually with approximately $35 million coming from the elimination of the six cent dividend
[The Way Ed Sees It]
When I look at a chart of the stock price of The New York Times Companies, I am reminded of the 1960s hit by The Chambers Brothers, "The Time Has Come Today."
Very fitting message for The New York Times.
For all its self-promotion as the "paper of record," The New York Times has not been so transparent to its shareholders. The Sulzbergers, the family that controls The New York Times by means of a class of stock with super voting rights, has always looked out for its own interest.
The Sulzberger family has always promoted the family interest. Thus in May 2007, the Sulzbergers and the Board raised the quarterly dividend from 17.5 cents per share to 23 cents per share. This was done at a time of declining revenue at a cost to the company of approximately $30 million per year.
The reason for this increase in dividends is that the Sulzberger family is largely dependent upon its dividend receipts as a source of income.
Acknowledging the error of its ways, in November 2008, The Times lowered its quarterly dividend to six cents per share. On February 18, 2009 The Times eliminated its dividend-with the stock price at an all-time low of $3.51, which is cheaper than the price of $4 for its Sunday edition. These two belated cuts in the dividend will save The Times $133 million annually with approximately $35 million coming from the elimination of the six cent dividend.
But there are other huge missteps.
Thus in 1993 The Times spent in excess of one billion dollars to purchase The Boston Globe. Then in 2003 with financial prospects dimming, the Times refused to sell the Globe to Jack Welch and a group of investors for $500 million. Currently The Boston Globe has been valued at $20 million to $170 million. I believe that $40 million is a fair value for The Boston Globe.
The Times also had a stock repurchase agreement until 2003 and repurchased $400 million of stock to fund its employee stock-based benefit plans and for general corporate purposes- this when the price of a share of New York Times stock was trading at $40.
In November 2006 I wrote to The New York Times and stated that The New York Times must write off $600 million of its purchase price of The Boston Globe and its affiliates. In December 2006 The Times wrote off $800 million.
In December 2007 I wrote to Kenneth Richieri, General Counsel of The New York Times. In this letter I stated that I had been informed in August 2007 that the Sulzbergers had engaged in talks to take The Times private.
Several months later The Times acknowledged that the Sulzbergers had approached Bloomberg Media to take the company private.
If The Times had not made the mistake of increasing its dividend and repurchasing its stock, The Times would not be in its present predicament. And if The Times had not purchased The Boston Globe, The Times would be in Nirvana.
Latest comments
- Ann GarrisonFebruary 22,2018 @ 08:03 PM
I think you have "Filtered HTML" turned on here. If you switch to "Full HTML," it will probably...
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Orange peel in the clear
I just shot a test panel with Omni MBC and Omni clear. The base went on great but the clear ornage peeled terrible. I am using a craftsman HVLP with 40 psi at the gun (max 43) and 1.5mm tip. The clear requires no reducer and a 2:1 mix with hardener. This clear is quite thick. I have a 1.7mm tip for this gun. Should I have used the larger tip?
You shouldn't need the 1.7 tip IMO. Are you spraying the MC260 clear? If so You can add some reducer to the clear for better sprayability. 2-1-.5 mix ratio works OK. Use the same reducer as your basecoat. Also you may want to adjust your trigger travel down so less material comes out for better atomization- the gun may be putting out more product than it can atomize. Or buy a better gun. I spray all atomotive colors and clears with a 1.3 and a 1.4 tip without problem. Bob
my son had the same problem w/this paint. come to find out the guys at the paint store told him he didnt need to add hardner to his paint, wronggggggggggg. w/o it the chemical reation was just like what you got. follow the manufactures instructions to the letter & if in dout call thier hot line....joe
I will try adding reducer later this afternoon. Thanks. I had mention this problem to the guy add Finishmaster and he had said that some of the guys do add reducer but didn't tell me how much.
Monty, do not use the 1.7 tip, it will create trapped solvents in the clear and probably more orange peel anyway. I would say "try it" being you are doing test panels, but it could make for a smoother surface and could be mistaken for a better job. However, as I said, it will not atomize the clear enough and you will end up with trapped solvents only to cause die back and shrinkage later.
The very first thing I would think about is the air pressure. Believe me, if it says 43 lbs, you need AT LEAST 43 lbs, and a little more is even better. I say this without knowing what compressor and air system you have. I assume you are at home with a smaller compressor and possibly an improper piping system. This usually means inadequate CFM. The "V" in HVLP is "Volume" CFM is volume, the "H" is "High" so you need a High Volume of air for the HVLP to work. If your compressor can't keep up with the volume you are simply not going to atomize your clear. So "bumping up" the pressure (the "P" in HVLP) is likely needed to also bring up the CFM.
Basics of Basics Atomization
By Brian Martin
Being HVLP and low VOC products are the way the industrys going I will be referring to them in this discussion on painting and paint guns. Most all basic issues dealing with HVLP can be applied to conventional guns, atomization is atomization. The HVLP just arrives at it differently.
The object of the spray gun is to break up the primer/sealer/paint/clear (I will call this PSPC from here out) into small particles and lay them in neat little rows on the panel being PSPRed. So the whole outcome rests on how well the gun is doing this. Picture the droplets of PSPC coming out of the fluid tip of the gun and then the air slapping them into smaller droplets.
You have two things that help you with this process, air and solvent. Solvent can mean something that is already in the PSPR from the manufacture or something the manufacture has told you to add to it. By the way, you should always mix in proper ratios as instructed in the tech sheet. The thinner (less viscosity) you get the PSPR or the more air you have at the fluid tip of the gun the more it will break up the PSPR. The target for you is getting the perfect balance needed. Too much solvent and the PSPR will have no body, fill, durability, etc. Too much air and you blow the PSPR everywhere but the car, poor adhesion, excessive texture, etc.
So, the answer is proper air supply and gun (and fluid tip) choice and how you adjust it.
With todays high solids-low VOC (Volatile Organic Compound, you know the bad stuff that goes up into the air we breathe) products there is less solvent. And with HVLP guns there is less air at the cap to break up the PSPC, proper air supply and gun setup is more important than ever.
FIRST THINGS FIRST, your compressor and air supply.
An HVLP gun requires more VOLUME of air to operate (the V in HVLP, High Volume Low Pressure). Now you may notice that your HVLP gun is adjusted at maybe the same PSI as an old conventional gun, around 50 lbs at the gun (many HVLP guns are set at much lower though) so where is the Low in PSI they are talking about? It is at the actual air cap where the air and paint come out. An HVLP gun has only 10 lbs at the cap while a conventional has upwards of 50! This 10 lbs at the cap is something you have no way to measure. AT THE CAP means at the fluid/air cap where the paint sprays out. It takes a special air cap with a gauge on it. This test cap is used by paint reps, air quality control agents but only a few painters. I have never seen on in a body shop. I say this because the instructions that come with many HVLP guns tell you to adjust to 10 lbs at the cap all the while they give you no way of measuring the cap pressure. There is usually a MAX PRESSURE stamped on the gun or in the instructions. This max pressure is the maximum pressure you can set the gun pressure and still keep the cap pressure at the 10 lbs max at the cap the law allows (in most VOC regulated areas where HVLP is required). So the VOLUME of air (CFM, Cubic Feet per Minute) is the key to proper atomization with an HVLP.
If you have a gun that requires 15 CFM you will need a compressor and plumbing that will produce that at a very minimum. There are HVLP guns that need as little as 7.5 CFM so you can get good results even from a smaller compressor. Air supply is a complete subject by its self so lets assume that you have the air supply needed and move on to gun set up.
So atomization is the key, but why? Why cant you just lay it out wet and let it flow, as an old painter will say. Picture a jar full of bbs, they will represent well small, atomized droplets of PSPC. The gaps in between the bbs is solvent. Now picture a jar filled with marbles, they will represent large, poorly atomized droplets of PSPC. The gaps in between are, you guessed it, solvent.
If you apply your PSPC in large poorly atomized droplets, what you will have is a film full of solvent. This can and will cause slow curing, shrinkage and dieback (the loss of gloss in the hours and days after application).
So, now that we have learned the need for gun set up, how do we do it? Lets start with the fluid tip choice. The newer high solids low VOC PSPC products need to be broken up more, so a smaller fluid tip is needed.
Basically you want the smallest fluid tip that will still allow you to PSPC the particular part you are PSPCing keeping the entire thing wet and in a fair amount of time. In other words a 1.0 tip would be beautiful for clearing one fender, but would be lousy to paint a complete. The application would be way to slow and the first panel would be way to flashed by the time you got around back to it. So you need to compromise, a 1.3 is a great all around tip, while a 1.5 though getting a little big, can get you by. If you read the tech sheet on the particular product you are shooting, it will have a recommendation for fluid tip size.
There are needs for other tips, for instance when shooting polyester primer you may need as big as a 2.3, but for many urethanes and epoxies, or base coats the 1.3 or 1.5 will work great. If you plan on using a pressure pot or paint a bus, all bets are off and we would need to study a little bit more.
As an example of the use of a 1.3 tip I did a test once that proved the point well. I shot two panels of metal with a med solids urethane primer. One was shot with a 1.3 super high atomizing top of the line topcoat gun. The other was shot with a 1.5 (or a 1.7 I cant remember) hoser primer gun. Three coats were applied and after a full cure (the one shot with the larger gun took MUCH longer to flash and cure by the way) the film thickness was measured. The one shot with the 1.3 tip was 2 tenths of a MIL thicker! The larger gun laid out the marble sized droplets full of solvent and when the solvent flashed the film shrank.
This however doesnt mean I recommend a 1.3 tip for your primer gun. It is only meant to make the subject of atomization easier to understand. Always refer to the tech sheets of the particular product you are shooting to see what tip you should be using.
Air supply is a subject that could fill many pages by its self. So we are going to assume you have that covered and move on to gun set up.
You need to tune your gun EVERY TIME you use it just as you would tune a guitar before you perform. This is done with a very basic spray out pattern test. This very basic test tells you how your gun is atomizing and you adjust it to achieve the best atomization you can.
Lets do a spray pattern test:
Set the fan width as need (you dont want to change it after you have tuned the gun). Turn out the material knob about 2 ½ turns. This is the mixture adjustment, kind of like the idle screw on a carburetor. The farther in it is screwed the lower the fluid to air ratio is and the smaller the droplets will be. The farther out it is, the higher the fluid to air ratio is and the larger the droplets.
Set the air pressure at the inlet to the gun to the manufactures specs. On an HVLP gun this spec is usually found on the gun and is the maximum PSI it can have while still maintaining the maximum 10 lb at the cap for legal HVLP transfer efficiency (68 %). You are now ready to do a test spray out.
Tape a piece of masking paper on the wall for the test. Hold the gun at a right angle to the wall, just as if you were going the wall. Hold the gun at a spread out hands distance (about 8 or 22cm). Pull the trigger to completely open for a split second and then close it. You want an ON-OFF wide open-completely closed in ONE movement. You should have a cigar shaped pattern with complete coverage in the center with fading coverage going away from the full coverage cigar shape in the center. The center should be fully covered without any runs. If you have runs, either you are holding the trigger too long, you are too close or the gun is simply applying too much material. In which case you need to screw in the material knob or turn the air pressure down. But most likely if you have turned the material knob out the 2 ½ turns and the air is set at the factory specs, you are just too close or holding the trigger open too long.
The droplets you see trailing off the center are what you will use to tune your gun.
Turn in the material knob to make the droplets smaller (and or raise the air pressure). The balance you need to attain is the smallest droplet size possible before you loose the coverage desired. In other words if you turn in the material knob too far, not enough material will be coming out to cover the panel! That balance of atomization and enough material coming out is what you are after.
Now, youll notice that I said, raise the pressure to the gun, while earlier I said to set it to manufactures specs. This can be anywhere from 25 lbs to 50 lbs. This gun manufactures recommended pressure is AT THE GUN. This means at the INLET of the gun, NOT at the cap and NOT at the other end of the hose, but AT THE GUN. If your gun doesnt have a regulator on it, then install one. This regulator will tell you at all times what the pressure is AT THE GUN, which is what you need to know. Be sure to buy a quality regulator from a paint gun manufacture. Some cheapie regulators are going to rob air volume from your gun because of restrictions within them. This is something most home hobbyist CAN NOT afford do to small compressors. If you dont have the air volume to atomize your paint, you are NOT going to get satisfactory results.
We are talking a very small adjustment. It is a fine balance in material to air ratio and a little more air than specified is okay. Even if it is an HVLP gun the inlet pressure recommended is to maintain the 10 lb limit at the cap. Well, about three quarters of the country has no regulations for HVLP use so if you go over the 10 lbs all it will do is atomize the material a little better. You may loose a little of the benefits of HVLP though. But remember you have a lot of control with the material adjustment knob.
After you are happy with the droplet size, DONT TOUCH THE FAN CONTROL. It will change the PSI at the cap and will change the atomization you worked hard to get.
Do this spray out every time you spray as material change, temp, and humidity will necessitate a spray out droplet pattern test. Good luck!
Check out this URL to see an example of a sprayout pattern.
[QUOTE=baddbob Also you may want to adjust your trigger travel down so less material comes out for better atomization- the gun may be putting out more product than it can atomize. Or buy a better gun. I spray all automotive colors and clears with a 1.3 and a 1.4 tip without problem. Bob[/QUOTE]
Since I think your a professional painter?? I thought you might be interested in the following with regards to the 1.3 tip.
Careful with clears and that 1.3. The semi hyper clears and hyper clear such as 3000-ppg, 4700 & HC7600 DuPont. 4400? I think in Basf, the 1.3 can cause problems. The 1.3 will work majority of time but on a real humid day with warmer temperature you can experience solvent pop and very hard buffing the next day. This will also show up if you wet your booth down on a warm day.
What is happening is the 1.3 is over atomizing the clear and the tin in the clear is putting to much water in the isocyanate causing the clear to kick way to fast.
From what I have seen so far don't expect your paint rep to have a clue as to what I just said as I don't think they have a clue yet. Because it only happens when conditions are right and not all the time they at this point just pointing finger at the painter.
Because the hypers are so expensive a lot of shops avoid them anyway.
Wow! That is a lot of information. In reading my guns manual there is no spec on required CFM. I am using Craftsman Professional Oilless on a 60 gal tank. While I hate this compressor, it was free. I come off the tank with 1/2 inch line for 25 feet with a slight slope, into a regulator and water filter. I come off the reg. with 3/8 hose 50Ft. Then use a 1/4in. 10 ft whip on my gun. I will setup my gun according to your post and let you know what happens. Again, I am doing test panels until I get it right.
Those oilless compressors are pretty wimpy and don't produce much CFM. You have to loose that 1/4" hose, that is a big time CFM robber. The 1/2" pipe can be a problem too. You want 3/4" pipe and 3/8" hose as short as possible.
"Test panels" I love hearing that! I can't believe the amount of guys with no painting experiance who will set up a car, mix up $1000 of materials and spray it without ever spraying a test panel! Good for you!
Barry, I know I need to add that information about the hyper resin clears. I didn't this time because I knew we were taking about OMNI. But I need to emphasize READ THE TECH SHEETS for tip needed for the particular product.
Barry, I know I need to add that information about the hyper resin clears. I didn't this time because I knew we were taking about OMNI. But I need to emphasize READ THE TECH SHEETS for tip needed for the particular product.
Don't know if I would!
I have yet to run across a paint rep yet that could pinpoint the problem. Two-three weeks ago I had a call from another state where PPG paid $100,000 to get into a shop and gave both painters a 1.3 RP to use with their 3000 clear. About 9 jobs were going south out of 30 every week. So they brought in a big wig out of Stongsville and his comment was you must of rushed those jobs.
They went to 1.4 and solved the problem.
As the painters ordered the tips, I was called a lot of bad things but the one painter called me Friday to let me know the results, so I guess the rep and jobber have a little credibility problem right now.
I bumped up the pressure at the gun to 55psi. I shot a test pattern on the wall (w/masking papaer) until the pattern looked good. I then shot a coat of DPLF50 on a 2 ft sq. piece of sheet metal The material layed down better but still leaves a lot to be desired as far as smoothness. This isn't my first attempt at painting but iit is with the HVLP gun. In the past I have used my DeVilbiss JGA syphon feed. That gun is no longer functions. It has a leak somewhere. I tried to rebuild it and it didn't help. Finishmaster will send it out for me but I really want to use HVLP. I like the reduced overspray and it doesn't leave as much of a fog in the air. I will continue working with my gun but if I can't get it right, is the DeVilbiss Finishline a pretty good gun?
I think the JGA-502 could be pictured as a centerfold in a Playboy mag, that is a sexy gun. How is it leaking? I'll bet it is "spitting", if it is, tighten up the packing nut.
I did as you suggested and the test panel looks perfect except for some dust that got in it. I hope it will still look good after 24 hours. Thanks for your help.
Also, you are right, the JGA is spitting and I will tighten the packing nut and see what happens.
I tried the 1.3 and after the first coat of clear,switched it back to the 1.4
The Finishline's are a good line,I have one and REALLY like the bag system.
Only gripe I have is they don't have a very wide fan compaired to a higher end gun.
THAT'S the article I was refering to in an earlier post.
THANKS Brian.
I have that on my shop wall STILL and REread it quite often.
I did as you suggested and the test panel looks perfect except for some dust that got in it. I hope it will still look good after 24 hours. Thanks for your help.
Also, you are right, the JGA is spitting and I will tighten the packing nut and see what happens.
Usually if the JGA is spitting it means the fluid tip is loose or the worst has happened and the body of the gun has cracked where the fluid tip threads into it. I've seen this happen on a few years ago, usually the crack isn't very noticable but whet the fluid tip is screwed in and tightened down the crack will spread open.
Since I think your a professional painter?? I thought you might be interested in the following with regards to the 1.3 tip.
Careful with clears and that 1.3. The semi hyper clears and hyper clear such as 3000-ppg, 4700 & HC7600 DuPont. 4400? I think in Basf, the 1.3 can cause problems. The 1.3 will work majority of time but on a real humid day with warmer temperature you can experience solvent pop and very hard buffing the next day. This will also show up if you wet your booth down on a warm day.
What is happening is the 1.3 is over atomizing the clear and the tin in the clear is putting to much water in the isocyanate causing the clear to kick way to fast.
Barry, thanks for the info. I haven't had any problems shooting any clears with a 1.3 but I'll keep this in mind. I don't use much hyper type clear, mostly Global D893 and D894 now. The last few gallons of hyper clear that went through my shop were a donation from PPG that were not labelled (test status)- fast stuff! The work I do doesn't warrant the need to have a really fast clear on hand, mostly restorations. PERFORMANCE AUTO BODY Bob
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Operating on the Android platform, the new HTC Droid Eris combines performance and functionality in one sleek package. Eris offers the HTC Sense UI on a 3.2", a virtual QWERTY keyboard, a 3.5mm headset jack , WiFi and 5MP camera w/auto focus and video capture.
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Notable Escape
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Notable Escape is yet another delightful point and click type new room escape game develped by ENA games for free. Dream up a situation that you are trapped inside a house. You will have more additional excitement in playing this point and click escape game.
You need to get escape from this house by finding the objects for figuring out the puzzles and get the escape door key. So there is no doubt that you will surely find the way out. Use ladder to escape through ceiling door. Have more fun and feel it fantabulous daily by playing new ENA escape games daily. Good Luck and Best Wishes from ENA games.
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I was revising differential equations and came across the topic of exact differential equations. I have a doubt concerning it. Suppose the differential equation $M(x,y)dx + N(x,y)dy=0$ is exact. Then the solution is given by: $\int Mdx +\int (N-\frac{\partial}{\partial y}\int Mdx)dy = c$. I understand that the integrand in the second term is a function of y alone and also understand the derivation of this solution. What I don't understand is the following paragraph:
My book then says "Since all the terms of the solution that contain x must appear in $\int Mdx$, its derivative w.r.t. y must have all the terms of N that contain x. Hence the general rule to be followed is: Integrate $\int Mdx$ as if y were constant. Also integrate the terms of N that do not contain x w.r.t. y. Equate the sum of these integrals to a constant."
I don't understand the justification that is provided for the general rule. Can someone please explain this?


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Borrelli Illustrations
Goddess Print
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Digital 8x10" archival print from one of my drawings, signed and dated on the front. Image is 6x8" with a one inch white border. Printed on Acid Free 340 gsm. Epson Cold Press paper, and shipped in a flat photo mailer. Our shop is proud to use only 100% recyclable and biodegradable shipping materials.
Color may appear slightly different on monitor, and artist retains rights to image.
**This piece is professionally printed when the item is ordered. Item will be shipped 7 to 10 business days after order is placed**
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TSN Unstoppable?
As announced several weeks ago, NBR named The Social Network the Best Film of 2010. The cast was at the gala last night to celebrate the honour, along with Jesse Eisenberg who was named Best Actor and David Fincher who was named Best Director. Oh yeah and Best Adapted Screenplay for Aaron Sorkin. Stephen Colbert had the best line on Sorkin actually when, in introducing the picture, he noted:
"What is it about fast-talking megalomaniacal assholes and Aaron Sorkin that just fits!?"
So… on the road to Oscar, with The Social Network eating up everything, and less than two weeks before the Oscar nominations – and it will likely receive many, many, many of them – is TSN unstoppable? Will the Academy, like your aging loser uncle, try to play "cool" and vote in the "young people" movie? (Written and produced and paid for by old people?)
A lot can happen in 6 weeks and bless those folks working for The King's Speech because they are giving it their all. But you have to wonder if it's enough. TSN has all the momentum, and the release of the DVD at exactly the right time is Hollywood marketing at its best.
How pissy do you think Pippy is that he can't be in New York right now with the others and take credit for the success of the movie? Pip is working on his next film and has missed a few events now where TSN has been recognised. Which only means he'll make up for it at the Globes on Sunday. Front and centre. Like he wrote, directed, produced, and performed all the parts.
Photos from Wenn.com and Stephen Lovekin/Mike Coppola/Gettyimages.com


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In focus
Right now the NSW Government is delivering the largest transport infrastructure program this nation has ever seen - $55.6 billion of investment over four years for game-changing projects like Sydney Metro, light rail, motorways and road upgrades that will shape NSW cities, centres and communities for generations to come.
Plan your trip at transportnsw.info
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A new fleet of intercity trains carrying customers from Sydney to the Central Coast, Newcastle, the Blue Mountains and the South Coast.
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New 2017 Chevrolet Camaro 2dr Conv 2LT
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I've a pretty busy schedule working, teaching, studying, and going to class.
I feel sleepy a lot of times during the day. I feel like I need a nap every three hours, if not I start feeling sleepy and my productivity falls. I can be facing an interesting thing to do and still my eyes close.
Is there any disease or syndrome I could try to discard before assuming I just need to sleep more?


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Grenada Family Network
Broadcasting locally in Grenada West Indies on 91.3 FM, globally via the internet, and soon via TV and satellite!
Grenada Family Network, run by a small team of volunteers from a rented house, is blanketing the southern half of the Caribbean island of Grenada on 91.3 FM. Reaching tens of thousands of Grenadian people through its 24/7 broadcasts, GFN radio streams God's Good News into buses, shops, private vehicles, places of business and the homes of many; lives are being changed and people are being baptized. Broadcasts streaming via the internet have also touched many and GFN has received comments from people all over the world. What are people saying about GFN?
Words cannot express how thankful I am to God for the ministry of the Grenada Family Network, for the quality programing, which ministers to the needs of the entire family. I have had a glimpse of the heart of God, as a result I am changed all because I turned my dial to 91.3 FM. – Gracelyn
It is our prayer that our programming will be a blessing to you and draw you ever closer to our Lord and Savior Jesus Christ.
You may view live TV, or hear live Radio by clicking on the "TV" and "Radio" tabs above and please take 17 minutes to view our radio station miracle story below.
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2nd tuner has bad reception issues on DirecTV TIVO Series 2. Already determined it's not the cables, etc. (swapping cables- problem does not follow) I've read all over that it could be the power supply. However, I've replaced two caps (16v 2200mf ones) and still have same problem. Before I start on another board with the same problem, I thought I would ask to see if it is a cap problem or something else. Thanks
How do I tell where to measure the voltage outputs?
Yes I did. And I think my question is valid. Do I check off the hard drive cable-which colors, the ribbon cable- which points, the under side of the circuit board? There are a lot of different points you can get varied voltages. What voltages am I supposed to be getting? I guess if I knew more, I wouldn't be asking for help.
Okay, when you put in the new (I hope you used high-temp, low ESR) capacitors, the hole where you put the negative lead is in a "sea" of copper (although it's actually called a "land") on the underside of the board and all of the black wires should also be connected to that same expanse of copper. The positive lead, assuming we're talking about one of the usual suspects, should have been connected to the same land as either the red wire(s), the +5V output, or the yellow wire(s), the +12V output.
So you can stick the meter's black lead metal tip into one of the black wire-containing holes in the plug that goes to the motherboard (jam it in good so it stays 'til you pull it out), and then put the red lead tip in the hole with the red to measure the +5V level and the hole with the yellow to measure the +12V level.
Start with the TiVo unplugged from the wall socket (best way is to have it plugged into an outlet strip with a switch you can get to easily), always knowing where both ends of the power cord are, keep away from the end of the TiVo with the power supply, jam the meter's black lead into one of the black wire holes (or if you have an alligator clip on the end, ground it to the metal chassis away from the power supply), have the hard drive disconnected, connect the TiVo to power, and check the red wire and the yellow wire. Also check the orange wire, which should be +3.3V, and, depending on which model TiVo, there may be a wire with around +30V which the tuners use for deriving a tuning voltage, and on the original S3 there's a wire at 8 or 9V that feeds the front panel separately from the ribbon cable that connects the regular LEDs and the InfraRed module.
Be sure that ribbon cable is fully and properly seated where it connects to the motherboard before powering up the TiVo.
There should either be something silk-screened on the power supply board or a sticker wrapped around the big fat capacitor that says what the different output voltages are supposed to be.
Make note of your voltage readings, power down the TiVo, connect the hard drive, and power back up and take your readings again and make a note of them.
There should be little if any difference.
Report back with the figures you get.
Too busy TiVo wrangling to watch television anymore.
Thanks for the details. With both of the supplies I have, I only have the hard drive power cable (4 conductors) and a 20 pin ribbon cable. I don't see any orange wire. Also, with the Hard drive connected, how can I still measure the voltages on that connector- OH I JUST saw a remove plastic top that comes off. Okay so what about this orange wire? The power supply is a AcBel ap12st01 REV B. The caps are high temp 105c but I just looked at the data sheet and can't determine what a ESR rating is? Here is the link to the data sheet.
Sorry, thinking about power supplies from different models.
If there's something wrong with the power supply, it'll most likely reveal itself as a problem on the +5V and/or the+12V outputs, which can be measured at the hard drive Molex plug.
If it can't do the job, the reading with the drive attached will probably be lower than with it not attached.
Anyway, find where the + lead from the capacitors you installed goes through the power supply circuit board and see if the red wire or the yellow wire connects to that same area of copper on the bottom of the board.
Too busy TiVo wrangling to watch television anymore.
In my case, it looks like design flaw in unit leads to eventual 2nd tuner failure. I read through a bunch of posts concerning this and managed to mitigate most of it by bridging the 2nd tuner chip with a capacitor. Are you using Svideo connection?
A few comments on this.
1. NTE does not sell low ESR capacitors. I recommend Panasonic FM series from Digi-Key. Specify USPS first class mail shipping. They also have Nichicon, United Chemicon, and Rubycon caps that are excellent.
2. I have had similar problems with Series 2 DirecTiVos (since removed from service). The symptoms do indicate excessive ripple on the power rails. This is usually not identifiable with a DMM. In one memorable case this was due to bad SMD electrolytic caps.
3. Fixing the problem bridging the power inputs on the tuner chip with appropriate caps would definitely indicate the problem is excessive ripple on the power rails.
There's a difference between needing help, and just being plain ole' lazy.
"You cannot teach a man anything. You can only help him find it for himself." Galileo Galilei (1564-1642)
HR20-700 with 2 TB, HR22-100, HR22-100, HR22-100, HR23-100 all running 0x5cd and networked.
If you're in or near Raleigh, there's a reliable source I've dealt with by mail.
Search Craigslist for "low esr"
Tell him unitron sent you.
Too busy TiVo wrangling to watch television anymore.
I haven't had a chance to measure the voltages yet. But as far as the NTE caps I put in, should I put others in. would it make a difference now. Also I'm not using the s-video output. I did a few years back before HD but pulled it after reading about the s-video/tuner relation a few years ago. Bridging the tuner chip seems daunting to me.
I'd like to see the posts Smee mentions before going out on a limb, but the tuner chips are CX24109-11, U2000 (tuner 1) and U2001 (tuner 2). A VERY quick glance at the datasheet indicates it uses a single 5V supply. VR5 and VR6 are 8M05 5 volt regulators next to the tuner chips. A quick check with a DMM (measure the resistance between the output of VR6 and the Vcc pins of U2001) would verify they regulate the supply voltages. If that checks out, the easy way would be to solder a 220µF low ESR cap between the output and ground pins of VR6.
The caps in the area are electrolytics in an SMD package; these are more prone to failure than thru hole types.
Last edited by PlainBill; 08-11-2012 at 08:02 AM. Reason: Correct typo
There's a difference between needing help, and just being plain ole' lazy.
"You cannot teach a man anything. You can only help him find it for himself." Galileo Galilei (1564-1642)
HR20-700 with 2 TB, HR22-100, HR22-100, HR22-100, HR23-100 all running 0x5cd and networked.
Click Here
Further down that chain there are some picture folks have taken. I haven't had any issues with pixelation on tuner 2 since I modded my units. I put in a 470 uf 25v capacitor on U49, Pins 3 & 7 I grabbed from a spare power supply. Now I have another unit with a failing power supply. Grrrr.....
Last edited by PlainBill; 08-11-2012 at 08:03 AM. Reason: Correct typo in original post
There's a difference between needing help, and just being plain ole' lazy.
"You cannot teach a man anything. You can only help him find it for himself." Galileo Galilei (1564-1642)
HR20-700 with 2 TB, HR22-100, HR22-100, HR22-100, HR23-100 all running 0x5cd and networked.


text:
Perfect for any halloween event or party. Simply wrap the wristband around your guest, remove the adhesive tab and secure. One size fits all.
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Rice University unveils one of the broadest faculty initiatives in its history
Rice University today announced the Energy and Environment Initiative (E2I), a sweeping plan to support interdisciplinary research that will draw experts from every corner of the university to work with Houston's energy industry to overcome barriers to the sustainable development and use of current and alternative forms of energy.
"One of the most critical global issues of our time is the challenge of meeting the world population's escalating need for energy and simultaneously safeguarding the environment," said Rice President David Leebron. "Rice's location in Houston, the global energy capital, uniquely positions us to serve both our city and our world by offering rich insights and practical but innovative solutions to this daunting challenge. Not only will we explore issues related to the safe harvesting and use of traditional hydrocarbons, but also advance the next generation of energy sources, from biofuels to solar. These efforts will draw on our deep strengths and capabilities from across the university, including in basic science, engineering, nanotechnology, informatics, social sciences, humanities and public policy."
Rice Provost George McLendon said E2I is unique among university activities in this space because it recognizes that addressing challenges in energy requires more than just technological solutions. Building on a strong foundation, E2I researchers will study energy policy and markets, finance and management, as well as the cultural and societal values that underpin and sometimes undermine public discussion about energy and the environment. Rice's James A. Baker III Institute for Public Policy is already an internationally recognized leader in energy economics and policy. Rice laboratories conduct about $40 million in energy-related research each year, and McLendon said Rice will invest about $1 million this fiscal year to start E2I seed-funding programs and establish an infrastructure to link existing activities across departments and schools. Future investments will be linked to research growth.
"E2I sprang partly from a realization that Rice is already doing excellent energy-related research and education," McLendon said. "We have significant federal support for research on topics as diverse as enhanced oil recovery, carbon sequestration and next-generation solar power. Rice's research in energy economics and energy policy is globally recognized. Our top-ranked Jones Graduate School of Business serves the energy industry through its MBA concentration in energy and its executive education program. We have existing relationships with companies such as Shell, Chevron, ExxonMobil, BP, Total, Baker Hughes, Schlumberger and Apache. Finally, Rice partnered with the Mellon Foundation last year to pioneer the field of 'energy humanities' research."
McLendon said a central focus of E2I will be the diverse issues associated with managing society's current reliance on hydrocarbons while also preparing for a future where conventional and alternative sources of energy coexist.
"This is about building a bridge from today's fossil fuel economy to an all-of-the-above energy future in which all sources of energy are used in concert," he said. "Building this bridge is as much a political, economic and social challenge as a technical one."
E2I will be led by a committee chaired by Pedro Alvarez, Rice's George R. Brown Professor and chair of the Civil and Environmental Engineering Department. The committee members are Ken Medlock, the James A. Baker III and Susan G. Baker Fellow in Energy and Resource Economics at the Baker Institute and adjunct assistant professor in economics; Alan Levander, Rice's Carey Croneis Professor of Earth Science and director of Rice's data analysis and visualization cyberinfrastructure (DAVinCI) project; Dominic Boyer, associate professor of anthropology; and William Arnold, professor in the practice of energy management at the Jones School. A national search for a permanent faculty director will begin in 2013.
Medlock said balancing the goals of energy security and sustainability is critical to ensuring the welfare of future generations.
"Energy demands and the environmental impacts of energy development and use are now a central theme in policy discourse, largely due to the rapid growth of domestic shale gas and shale oil production," Medlock said. "Understanding the consequence of actions taken today on future generations is critical to understanding the direction of energy prices, fuel choice and environmental impact, all of which are vital to formulating informed policy."
Alvarez said part of E2I's initial focus will include the enhanced discovery and recovery of conventional hydrocarbons as well as the responsible development of shale gas and unconventional hydrocarbons. In all of these areas, innovative technologies that increase the efficiency and performance of both hydrocarbons and water processing are vital — a broad topic termed the "water-energy nexus."
"Water is used either directly or indirectly in virtually every form of energy production and generation, and a significant fraction of urban energy demand relates to treating and moving water," said Alvarez, an award-winning environmental engineer and member of the Environmental Protection Agency's Science Advisory Board. "We can significantly change the impact of energy production and use by applying the latest developments in biotechnology, adaptation and nanotechnology to the problems of water."
E2I will also spur new technical research in fields as diverse as nanotechnology, geophysics and computer science.
"The search for oil and gas relies heavily on supercomputers, and Rice's faculty have long been at the forefront of computational geophysics and computer science," said Levander, faculty director of the DAVinCI project's new Chevron Visualization Laboratory, a 3-D visualization studio that is connected to one of Rice's newest and fastest high performance computers (HPC). Levander said E2I will allow Rice to initiate new lines of computationally based energy-related research from seismic imaging to modeling fluid flow in oil reservoirs. It will also allow Rice to expand programs like the Ken Kennedy Institute for Information Technology's Rice Oil and Gas HPC Workshop, which has doubled in attendance in less than five years.
E2I will also allow Rice to grow its energy humanities program, a new field Rice helped launch during the past year with the Cultures of Energy Initiative supported by the Mellon Foundation.
"As much as understanding our energy landscape today and planning for a better tomorrow are about developing excellent science, engineering and policy, it is also vital to understand the values, choices, meanings and institutions that help explain how humans use energy and why," said Boyer, a founding member of the Cultures of Energy Initiative. "E2I is the only energy and environmental initiative in the world that truly takes the skills and input of the humanities and social sciences seriously, and that input is much needed because it helps us answer a number of important questions: What makes one form of energy seem 'dirty' and another 'clean'? How do our desires and self-image translate into certain kinds of environmental action or inaction? How do culture and power contribute to the challenges of developing international responses to global warming?"
McLendon said building the bridge from today to tomorrow's energy future will require all of the resources that universities can bring to bear.
"E2I is visionary because it is the first initiative in energy research that truly leverages all the intellectual resources of a university," he said. "E2I will engage government, the corporate world and everyday citizens in its efforts to better understand how we use energy today and how we are going to use it tomorrow."


text:
The George W. Bush Presidential Library holds approximately 30,000 audiovisual recordings, 227 cubic feet of photo negatives, and just over 3.8 million photographs created by the White House Photo Office. A great many historic photographs and audio/video materials are already in the public domain and available online.
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Audiovisual Reproduction
Fee Schedule
White House
Tee Ball on the South Lawn
September 11, 2001
Barney Cams
Provided as lithographs, these photos were taken during the Administration of President George W. Bush.