On
www.handiquilter.com there is a video about bobbin tension. This should help with your bobbin tensions. For the needle, I'm not sure how your tensioner is, but on the handiquilter it is the round type. I backed my tension all the way out (it was about to fall off the machine) and then counted how many FULL TURNS it took to tighten it all the way down. Then I backed it off 1/2 the amount of turns. i.e. it took 10 full turns to tighten so I backed it off 5 full turns. This put the tensioner at 50% then adjusted up or down from that point.
Good luck and I hope this helps.