A review of The Morgan Plus Four Super Sports Sports Car, covering development, important features, and technical data of this the fifth model in the Morgan range.In this Article, I offer a nostalgic look at the Morgan Plus Four Super Sports, one of an elite group of classic cars, which was manufactured during the period 1936 to 1950.The creation of the Morgan Plus Four Super Sports is, in essence, down to the skills of Chris Lawrence, whose Morgan Plus 4 was very successful in the 1959 UK Race Season.In 1962, his competition successes came to the notice of Peter Morgan, who offered him Morgan works support.As a result, he won his Class in the 1962 Le Mans 24 hour race.Under the name Lawrencetune, he prepared engines for Morgan when specially ordered.The Lawrencetune Morgan Super Sports used the aluminium low-line bodies prepared specially for Le Mans.However, prior to low-line Super Sport production, a number of hybrid Plus 4′s were produced with the original steel high-line bodies, coupled with aluminium wings, and Lawrencetune engines.These are now a highly sought after models.During the period mid 1950′s to early 1960′s, the Morgan Plus 4 was powered by a series of Triumph TR engines and gearboxes.In 1960, Morgan teamed up with Lawrencetune, who modified the engines of a small number of Plus 4′s which were entered into various endurance events, including the Le Mans.Since it was not unusual for these modified cars to secure at least Class wins, they duly created interest amongst the sports car fraternity to encourage Morgan to produce equivalent modified Plus 4′s.Hence the birth of the Plus 4 Super Sports.In February 1961, Morgan launched the Super Sports which featured:
Specially modified 2138 cc, 4-cylinder Triumph TR2 engine developing 125 bhp at 5500 rpm
Four speed manual gearbox
Gas flowed head
Compression ratio of 9.0:1
Modified camshaft
Balanced crankshaft
Two twin choke Webber 42DCOE carburettors
Special inlet manifold
Four branch exhaust system using two pipes
An oil cooler
Four wheel disc brakes
The two seater Super Sports were produced in one of two body styles – either the high body or low body versions.Early models made use of the high-line bodies from the Plus 4, whilst later models used the low-line bodies from the 4/4.In 1962, a Lawrence tuned Plus 4 secured Morgan’s finest success at Le Mans, where it was a Class winner.As a result, it became the prototype of the Super Sports, which featured a lighter, low-line aluminium body, and a more powerful 125 bhp engine derived from a modified 92 bhp TR2 unit.These cars were distinctive with their bonnet scoop, which was necessary due to the cars’ two twin choke Webber carburettors.During the period 1961 to 1968, a total of 104 Morgan Plus 4′s were modified to achieve the Super Sports specification.Of these, 95 were two seaters built for racing and competitions primarily in the US.Furthermore, 50 of these cars were built as convertibles.With a top speed of nearly 120 mph, they were not only high performance cars, but also well suited to competitions.A unique example of this car was known as the Baby Doll, and was famous in Morgan folklore.It was specially ordered, in early 1962, by Lew Spencer, a Morgan dealer and noted SCCA (Sports Car Club of America) member.This was his personal Morgan race car, in which he subsequently won the 1962 SCCA C Class National Championship.The Baby Doll was renowned for the fact that it regularly beat Corvettes, Porsches, and E-Types, even though it sported a smaller engine than its competitors.It has been suggested that the Plus Four Super Sports offered what was probably the best value performance car on the market at that time.It had precise handling, with a body styling that took one back to the classic cars of the 1930′s.The Super Sports is the most desirable Morgan performance car owing to its competition successes in a number of major international races, combined with its limited production.This marked the end of the Morgan Plus Four Super SportsPerhaps this stroll down memory lane might have answered, or at least shed light on, a possible question:Which Morgan Sports Car is Your Favourite?However, should this question still remain unanswered, I will be reviewing, in some detail, in future articles within this website, the entire range of Morgan sports cars which were featured in the memorable era spanning 1911 to 1996.I hope you join me in my nostalgic travels “down sports car memory lane”.
The Morgan Plus Four Super Sports Sports Car
How To Pay Off Your Mortgage In 5 Years
My wife and I were “home buyers” for at least 7 years on our current residence. Notice that I said home “buyers,” and not home “owners.” There is a common misconception that when you take out a mortgage, you are immediately a home “owner”
Assuming that you have a 30 year mortgage, the reality is that you are simply in the process of buying the home over a 30 year period. The bank, is the true owner of the property. If you don’t believe me, try missing a few mortgage payments, and see what happens.
3 months ago, we paid off our 30 year mortgage (in 7 years, or 23 years early). Now we are true home “owners.” In this article, I’m going to show you step by step how we were able to accomplish this. Using our existing income, and without incurring any additional debt.
Equity
Let’s talk about “Equity.” Equity, or appreciation, is the difference between what your home is worth and what you owe to the bank. So if you owe $100,000 and your house is worth $300,000, then you have $200,000 of Equity in your home.
We had roughly $250,000 of Equity on our house. We owed the bank $115,000 and our house was worth $367,000.
This $250,000 is dormant. Meaning, it looks good, but it wasn’t doing anything for us.
Home-Equity Line of Credit (HELOC)
So the first thing that we did was we ‘tapped’ into this equity. We went to the bank and took out an Home Equity Line of Credit for $50,000.
What is an equity line of credit? Also called a HELOC, an home equity line of credit is a liquid line that you are able to draw funds from at any time for any purpose. It’s like a gigantic credit card.
Although the HELOC had a limit for $50,000, the amount that we owed on it was $0 at the time that we took it out. This is because, similar to a credit card, you don’t owe anything until you actually use it.
Use HELOC to Pay Down Mortgage
Immediately after we got the HELOC, we withdrew $20,000 and applied it to our Mortgage (additional principal payment).
So at this point, we have $20,000 due on the HELOC, but our mortgage has been paid down by $20,000 (from $115,000 to $95,000).
Use HELOC as “new” Checking Account
Before I go on, let me mention that after we used the $20,000 to pay down our mortgage, we still had the same $115,000 of debt ($20,000 on HELOC and $95,000 on Mortgage).
So to payoff the HELOC, we just used it as our new checking account. When we got paid, we took 100% of our paychecks and applied it to the HELOC.
Now you may be wondering, “with all of our money going to the HELOC, how did we pay our bills?” Remember the HELOC is a “liquid” line. So at the end of each month, we made 1 withdrawal from the HELOC to pay our bills (including our mortgage).
100% of Cash Flow
For us, our monthly paychecks totaled roughly $6,000. Our bills, including our mortgage, and all of our living expenses (gas, groceries, etc.) totaled approximately $3,500. So by applying 100% of our monthly checks to the HELOC, and then using the HELOC to pay our bills, we were able to use 100% of our monthly cash flow to pay the $20,000 HELOC off.
So with and estimated $2,500 of cash flow ($6,000 minus $3,500) the $20,000 was paid off in 8 months.
Repeat The Process
We repeated this process until the remaining $95,000 was paid off (approximately 2 years).
What Do You Need?
1. Cash Flow – You must have positive cash flow in your household budget
2. Credit Score – A decent credit score (650 or above)
3. Equity – Positive equity in your home.
What You Should Know
VERY IMPORTANT: The HELOC should be used to paydown your mortgage. It should not be used to fund a vacation, buy a car, or a boat.
ALSO IMPORTANT: The HELOC is not a Home Equity Loan (HEL). A Home Equity Loan is a 2nd mortgage, and it is treated the same.
Miscellaneous Supplements – Sports
Structured Lipids- Increased Protein SynthesisAdvances in the technology behind lipid synthesis led to the development of structured lipids (SLs). A structured lipid (SL) is a triglyceride that includes both medium (8-12 carbons) and long-chain fatty acids (14-22 carbons) within the same triglyceride. Emulsions including SL have demonstrated increased protein synthesis and increased nitrogen balance (NB) in burned animals The SL has also been superior to medium-chain triglyceride (MCT) and long-chain triglyceride (LCT) emulsions in stimulating muscle protein synthesis in animal studies.The use of SLs has been primarily limited to clinical and experimental settings whereby it has become necessary to develop medical nutrition therapies that minimize the adverse effects of high lipid feedings and maximize the positive outcomes. Such positive outcomes include increased protein synthesis, enhanced immune function, decreased risk for cardiovascular disease, and improved glucose homeostasis. The ability to increase protein synthesis, maintain the health of the immune system, and stabilize blood glucose are factors that can also play a role in improving athletic performance. Research on the application of this clinical technology to athletic performance is not available at this time.Peptides- To Provide Glutamine to TPN PatientsIn an effort to provide glutamine to TPN patients in a form that can remain stable in liquid, the amino acid has been bonded with other amino acids, such as the dipeptide alanyl-glutamine. This combination can preserve muscle glutamine levels and muscle protein synthesis after surgery and improve whole-body nitrogen balance. This finding is supported by research on rats with peritonitis Alanylglutamine increased protein synthesis in the liver and skeletal muscle, protected the morphology of the intestinal mucosa, and improved survival in protracted bacterial peritonitis. The researchers concluded that alanylglutamine supplementation may be useful in septic patients.Role of Glutamine as Glucose RegulationThe role of glutamine regarding glucose regulation may be important in exercise-trained individuals. Its function in gluconeogenesis (formation of glucose) and glycogen repletion may serve as a useful function during and after exercise. Gluconeogenesis from glutamine can occur without changes in plasma insulin and glucagon levels, providing evidence that glutamine itself can regulate gluconeogenesis.Nurjhan et al. compared the contribution of alanine and glutamine to glucose formation in postabsorptive (fasted) normal human volunteers and found that the amount of glucose carbon that came from proteinderived glutamine was 100% greater than from alanine. Varnier et al. studied the effects of glutamine, alanine plus glycine, and saline infusion on glycogen accumulation in subjects who cycled for 90 minutes. Two hours postexercise, glutamine infusion resulted in a twofold greater concentration of muscle glycogen than either saline or alanine plus glycine infusion. In postabsorptive humans, glutamine could be more important than alanine for glucose formation derived from proteolysis. Further, glutamine carbon can be directed to glycogen accumulation in skeletal muscle that had been previously glycogen depleted.In mice that were genetically predisposed to being overweight and hyperglycemic, the administration of glutamine in conjunction with a high-fat diet resulted in a reduction of body weight and a drop in hyperglycemia and hyperinsulinemia. The mechanism for a glutamineinduced weight reduction is not known, though it may be related to the ability of glutamine to lessen the insulin resistance induced by a high-fat diet. Further, the administration of glutamine to lipid-based TPN can prevent glucose intolerance and insulin resistance.