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Surface Finishing Tutorial #engineer, #designer,technial #tutorial, #tutorial, #technical, #misumi, #fa #mechanical,press #die,mold,machine #components,tool,machine #components,misumi #ecatalog


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Concepts and Applications of the process

A method of forming metallic coatings (plating films) on subject metal surfaces submerged in solutions containing ions by utilizing electrical reduction effects. Electoplating is employed in a wide variety of fields from micro components to large products in information equipment, automobiles, and home appliances for ornamental plating, anti-corrosive plating, and functional plating.

A plating method that does not use electricity. The reduction agent that replaces the electricity is contained in the plating solution. With proper re-processing, virtually any material such as paper, fabrics, plastic and metals can be plated, and the distribution of the film thickness is more uniform, but slower than electroplating. This is different from chemical plating by substitution reaction.

Chemical Process
(Chemical Coating)

The process creates thin films of sulfide and oxide films by chemical reactions such as post zinc plating chromate treatment, phosphate film coating (Parkerizing), black oxide treatments on iron and steels, and chromic acid coating on aluminum. It is used for metal coloring, corrosion protection, and priming of surfaces to be painted to improve paint adhesion.

Anodic Oxidation Process

This is a surface treatment for light metals such as aluminum and titanium, and oxide films are formed by electrolysis of the products made into anodes in electrolytic solutions. Because the coating (anodizing film) is porous, dyeing and coloring are applied to be used as construction materials such as sashes, and vessels. There is low temperature treated hard coating also.

Products are dipped in dissolved tin, lead, zinc, aluminum, and solder to form surface metallic films. It is also called Dobuzuke plating and Tempura plating. Familiar example is zinc plating on steel towers.

Gasified or ionized metals, oxides, and nitrides in vacuum chambers are vapor deposited with this method. Methods are vacuum vapor deposition, sputtering, ion plating, ion nitriding, and ion implantation. Titanium nitride is of gold color.

There are spray painting, electrostatic painting, electrodeposition painting, powder painting methods, and are generally used for surface decorations, anti-rusting and anti-corrosion. Recently, functional painting such as electro-conductive painting, non-adhesive painting, and lubricating painting are in active uses.

Metals and ceramics (oxides, carbides, nitrides) powders are jetted into flames, arcs, plasma streams to be dissolved and be sprayed onto surfaces. Typically used as paint primer bases on larger structural objects, and ceramic thermal spraying for wear prevention.

This is a process of metal surface alteration, such as carburizing, nitriding, and induction hardening of steel. The processes improve anti-wear properties and fatigue strength by altering metal surface properties.

This is a method of forming surface alloy layers by covering the surfaces of heated metals and metal diffusion at the same time. There is a method of heating the pre-plated products, as well as heating the products in powdered form of metal to be coated.


Fringe Benefits Design Selects Redhawk Wealth Advisors as ERISA Investment Fiduciary to Over 400 Plans #redhawk #wealth #advisors, #press #release


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Fringe Benefits Design Selects Redhawk Wealth Advisors as ERISA Investment Fiduciary to Over 400 Plans

Redhawk Wealth Advisors

Minneapolis, MN (PRWEB) April 08, 2016

Redhawk Wealth Advisors, Inc. a leading full-service registered investment advisor, was selected by Fringe Benefits Design to serve as an independent ERISA investment fiduciary to over 400 plans representing $750M in plan assets. In this capacity, Redhawk will utilize the E-Valuator application to provide ERISA 3(38) investment management and 3(21) investment advisor services. Redhawk will be responsible for performing the due diligence, selection, monitoring and replacement of investments for the plans.

An ERISA investment fiduciary shifts the responsibility to prudently select and monitor the plan’s designated investment alternatives from the plan sponsor to an independent third‐party fiduciary. In addition to mitigating fiduciary liability for plan sponsors, an ERISA investment fiduciary allows the advisor to support clients by providing investment education and other non‐fiduciary services and work more holistically with plan participants (e.g. providing financial planning and IRA rollover services) without the constraints imposed upon fiduciaries under ERISA.

“We conducted comprehensive due diligence on the top investment fiduciaries and were extremely impressed with the fiduciary services provided by Redhawk. In light of the new DOL fiduciary rule, we felt that it was important for all of our plans to have this fiduciary oversight.” said Kevin Miller, President/CEO of Fringe Benefits Design.

“We are extremely pleased that Fringe Benefits Design selected Redhawk as their investment fiduciary and we look forward to working closely with their plans. Our fiduciary services have been gaining tremendous traction in the retirement plan and wealth management marketplace and utilizing the E-Valuator will strengthen our offering.” said Rick Keast, President of Redhawk Wealth Advisors. “With the new DOL rule coming out, advisors have been contacting us because of our strong fiduciary oversight process is compliant under the new rule. Advisors don’t have to worry about how the new rule is going to impact their business, we’ve already figured it out for them” said Dan Hunt, CEO of Redhawk Wealth Advisors.

About Redhawk Wealth Advisors
Redhawk Wealth Advisors, Inc. is an SEC Registered Investment Advisory (“RIA”) firm based in Minneapolis, Minnesota. The firm provides wealth management, retirement plan, and practice management services to independent advisor representatives and their clients. To learn more, visit http://www.redhawkwa.com .

About Fringe Benefits Design
Fringe Benefits Design is located in Minneapolis, Minnesota and provides actuarial, benefits and consulting services on an independent, fee-for-service basis. The firm has been providing comprehensive recordkeeping and administrative services for over 25 years and currently services over 400 plans representing $750M in plan assets. To learn more, visit http://www.fbdmn.com .

About E-Valuator
E-Valuator is a software and development firm located in Minneapolis, Minnesota. The firm has developed the E-Valuator application that provides industry leading investment selection, monitoring and replacement analysis to the financial services industry. To learn more, visit http://www.e-valuator.com .

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Home Loans: Citi Mortgage, PHH Mortgage Rates Nov 16, 2015 – Highlight Press #bac #home #loans


#home loan rates
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Home Loans: Citi Mortgage, PHH Mortgage Rates Nov 16, 2015

Citi Mortgage

30 year fixed rate loan interest rates at Citi Mortgage (NYSE:C) start at 3.875 % and an APR of 4.057 % today. The shorter term, popular 15 year loan interest rates are being quoted at 3.125 % and APR of 3.442 %.

Refinance Interest Rates

PHH Mortgage

The benchmark 30 year fixed rate loan interest rates have been listed at 4.110% at PHH Mortgage yielding an APR of 4.207% today. 15 year fixed rate mortgages at the bank are coming out at 3.400% with an APR of 3.569%.

10 year fixed rate mortgages are available starting at 3.190% at the bank today yielding an APR of 3.434%. The best 20 year loan interest rates are on the books at 3.980% at the bank carrying an APR of 4.113%.

5 year Adjustable Rate Mortgages can be had for 3.250% at PHH with a starting APR of 3.261%. ARM interest rates in the 7 year category are listed at 3.500% with an APR of 3.393% to start. 10/1 ARM loans are being offered for 3.750% today with an APR of 3.604% to start.

Mortgage Rates for Refinance

The best 30 year refinance fixed rate mortgage interest rates are being offered for 3.50% at PHH and an APR of 3.723%. The shorter term 15 year refinance FRMs are 2.75% at the bank with an APR of 3.239%. The 7/1 Adjustable Rate Mortgage interest rates have been quoted at 2.625% today yielding an APR of 3.141%.


Home Loans: Citi Mortgage, PHH Mortgage Rates Nov 16, 2015 – Highlight Press #credit #union #loans


#home loan rates
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Home Loans: Citi Mortgage, PHH Mortgage Rates Nov 16, 2015

Citi Mortgage

30 year fixed rate loan interest rates at Citi Mortgage (NYSE:C) start at 3.875 % and an APR of 4.057 % today. The shorter term, popular 15 year loan interest rates are being quoted at 3.125 % and APR of 3.442 %.

Refinance Interest Rates

PHH Mortgage

The benchmark 30 year fixed rate loan interest rates have been listed at 4.110% at PHH Mortgage yielding an APR of 4.207% today. 15 year fixed rate mortgages at the bank are coming out at 3.400% with an APR of 3.569%.

10 year fixed rate mortgages are available starting at 3.190% at the bank today yielding an APR of 3.434%. The best 20 year loan interest rates are on the books at 3.980% at the bank carrying an APR of 4.113%.

5 year Adjustable Rate Mortgages can be had for 3.250% at PHH with a starting APR of 3.261%. ARM interest rates in the 7 year category are listed at 3.500% with an APR of 3.393% to start. 10/1 ARM loans are being offered for 3.750% today with an APR of 3.604% to start.

Mortgage Rates for Refinance

The best 30 year refinance fixed rate mortgage interest rates are being offered for 3.50% at PHH and an APR of 3.723%. The shorter term 15 year refinance FRMs are 2.75% at the bank with an APR of 3.239%. The 7/1 Adjustable Rate Mortgage interest rates have been quoted at 2.625% today yielding an APR of 3.141%.