Sunday, June 26, 2005

How Often Do You Change Oil? by Thomas Yoon



In our previous issue, we discuss about the properties of
lubricating oil and what to look for when buying or replacing
them. Ezine Article

Today, we want to find out as to when to replace the
lubricating oil. If you have a large quantity of lubricating
oil to change, it is going to burn a hole in your pocket. So
most plant operators try to preserve the properties of the
lubricating oil for as long as possible.

One of the most important functions of lubricating oil is to
reduce the friction between the moving parts of machinery. But
there are other features to look at.

When do you know that the oil needs to be changed? Below is a
rough guide:

1. Viscosity has changed by 10%
2. Flash Point has dropped to 150 degree Celsius
3. Water Content has reached 2%
4. TBN, or Total Base Number has reduced by 20%
5. Insoluble Content has increased to 5% of the oil

Due to the oxidation of the oil when exposed to heat and oxygen,
the viscosity of the oil tend to reduce. With the reduction of
viscosity, the film of oil between rubbing metal surfaces
becomes more difficult to maintain. This results in metal to
metal contact, micro seizures that leads to scuffing, abrasion
and other damages.

In large diesel engines, fuel oil from dripping injectors or
fuel pumps sometimes finds their way into the lubrication oil
sump. This has the tendency to reduce the flash point of the
lubricating oil. In addition to reducing the viscosity that is
detrimental to lubrication, this contamination with fuel oil can
be quite dangerous. If there is a hotspot in any of the rubbing
parts, this can lead to a crankcase explosion.

Water can also find its way into the lubricating oil from leaks
in the cooling water system o-rings or gaskets. In addition to
reducing the lubricating properties of the oil, the presence of
water in the oil can give rise to bacteria or fungal growth,
which will quickly damage the oil properties as well as
contributing to acid corrosion and oxidation of the oil, changing
the chemical composition of the oil itself. However, if the water
content is below 0.5%, it can still be removed by centrifugal
purifiers.

The total base number is especially needed for the cylinder liner
lubrication of engines that run on poor quality fuel with high
sulphur content. The base additive is used to reduce the
corrosive effects of the sulphuric acid fumes on the cylinder.

With large diesel engine installations, the lubricating oils are
continuously filtered and purified to reduce the insoluble
particles in the oil. Special strainers containing magnets are
used to trap particles of carbon or iron particles. In large
diesel engines, the carbon particles are byproducts of combustion
while the iron particles comes from rubbing of gears, cams or
other parts where wear down still occur.

The presence of these particles interferes with the lubrication of
bearings, most of which contain soft white-metal coating. The
particles can become embedded into the soft metal and cause
abrasion of the metal parts.

The contents of this page are part of a page from my e-book
"General Engineering Knowledge Notes" that will help candidates
prepare for the Marine Certificate of Competency Examinations.
This e-book is available for FREE downloading at
Engineering Ebooks

Until next time...

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Common mistakes motorcycle buyers make when looking for a motorcycle loan by Jay Fran



Whether interest rates are high or low or it's the end of a model year with lots of incentives, motorcycle buyers tend to make the same mistakes when shopping for a motorcycle loan. Here are four common mistakes motorcycle buyers make with motorcycle loans.

Shopping for a motorcycle before shopping for a motorcycle loan.
Many motorcycle buyers enter the showroom looking for a motorcycle before they determine how much money a motorcycle lender is willing to loan to them for the purchase of a motorcycle. There is no need to shop for a $20,000 Harley Davidson motorcycle, if a lender is only willing to provide a loan amount of $10,000.

Additionally, once motorcycle buyers enter the showroom slick salespeople often pressure them into motorcycle loans with much higher internet rates than they could have gotten had they shopped for a motorcycle loan at a bank, credit union or online. Salespeople do not like motorcycle buyers to leave the dealership to get a motorcycle loan. In the salespersons mind this only increases the chance of loosing a sale and commission. Therefore, salespeople frequently try for a quick sale which normally results in pushing motorcycle buyers to get motorcycle financing at the dealership.

The bottom-line is that it is always best to shop for a motorcycle loan before entering the showroom.

Diving into the unknown motorcycle loan.
Motorcycle buyers often jump into motorcycle loans that they do not completely understand or may not be the best alternative for them. For instance, in today's age manufacturers frequently run credit card motorcycle loan promotions on their private-label credit cards. But these promotions typically offer a low interest rate for a short term like 12 or 24 months and have a much higher interest rate after the short promotional term. On a credit card promotion if motorcycle buyers can not afford to pay off the loan during the short promotion period, then they are typically better taking a slightly higher interest rate on an installment motorcycle loan for a longer term.

Borrowing too much.
The most common mistake the first time motorcycle buyer makes in not having a clear sense of how much motorcycle they can afford. This is especially true for young motorcycle buyers who look to buy the top sport bikes that cost up to $10,000 - $15,000. What they fail to realize is that financing a $10,000 - $15,000 motorcycle can stretch them to thin, resulting in them having little cash to enjoy themselves and the motorcycling lifestyle. They may also have too little cash to pay for insurance, maintenance, registration or new accessories for their motorcycle.

Not asking the right questions.
The first warning sign that motorcycle buyers should see is that if they do not understand the type of motorcycle loan, then they should be sure to ask a lot of questions.

Here are some good questions to ask:
•Is the interest rate fixed or variable? If fixed how long will it be fixed for?

•Are there circumstances that can make the interest rate on the motorcycle loan change in the future?

•What happens if a payment is 30 days late? Does the interest rate increase?

•What happens if a payment is 60 days late? Does the interest rate increase?

•How long is the term on the motorcycle loan?

•If the loan is an installment loan, does it use rule of 78 or simple interest? (Simple interest is always better because it does not penalize the motorcycle buyer if the loan is paid off early.)

•What is the down payment requirement to get the motorcycle loan?

•Is full coverage insurance required?

•How much is registration and are these fees included in the motorcycle loan?

•Are there any administrative fees to get the motorcycle loan and if so how much are the fees?

Overall, motorcycle buyers can avoid these common mistakes by spending a little extra time focusing on shopping for a motorcycle loan and asking lots of questions.

Copyright (c) 2004, by Jay Fran
This article may be freely distributed as the author's information and an active live link to www.motorcycle-financing-guide.com - Motorcycle Financing & Bad Credit Motorcycle Loans is published with the article.

A complimentary copy of any newsletter or a link to the site where the article is posted is greatly appreciated.

About the Author
Jay Fran is a successful author and publisher at http://www.motorcycle-financing-guide.com. A comprehensive resource on how to have the best experience and get the best deal on motorcycle financing, bad credit motorcycle loans, high risk motorcycle loans and motorcycle buying.