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        <title>Lowyat.NET: Latest topics by cokelatpanda</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Wed, 23 Sep 2026 06:30:07 +0800</lastBuildDate>
        <generator>FeedCreator 1.7.2</generator>
        <item>
            <title>WTS KINGSTON DDR3 1600 4GB (2 PCS)</title>
            <link>http://forum.lowyat.net/topic/4122017</link>
            <description>WTS KINGSTON DDR3 1600 4GB (2 PCS) VALUE RAM&lt;br /&gt;&lt;br /&gt;SOLD&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Reason For sale: Need money.&lt;br /&gt;&lt;br /&gt;TQ. &lt;!--emo&amp;:music:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cool.gif' border='0' style='vertical-align:middle' alt='cool.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>cokelatpanda</author>
            <category>RAM Garage Sales</category>
            <pubDate>Tue, 22 Nov 2016 16:47:05 +0800</pubDate>
        </item>
        <item>
            <title>-closed-</title>
            <link>http://forum.lowyat.net/topic/4112368</link>
            <description>-closed-</description>
            <author>cokelatpanda</author>
            <category>Display Cards Garage Sales</category>
            <pubDate>Mon, 14 Nov 2016 10:30:11 +0800</pubDate>
        </item>
        <item>
            <title>...sold...</title>
            <link>http://forum.lowyat.net/topic/4108307</link>
            <description>...sold...</description>
            <author>cokelatpanda</author>
            <category>HDDs &amp;amp; SSDs Garage Sales</category>
            <pubDate>Thu, 10 Nov 2016 15:49:22 +0800</pubDate>
        </item>
        <item>
            <title>tamper for espresso... looking to buy locally</title>
            <link>http://forum.lowyat.net/topic/3887310</link>
            <description>Been to few shops, could not find one. Can anyone suggest any shop which i can look into... tq....</description>
            <author>cokelatpanda</author>
            <category>Serious Kopitiam</category>
            <pubDate>Mon, 07 Mar 2016 09:39:48 +0800</pubDate>
        </item>
        <item>
            <title>WTS MSI GTX 750TI 2GB DDR5 128 BIT</title>
            <link>http://forum.lowyat.net/topic/3766546</link>
            <description>&lt;b&gt;Item(s):&lt;/b&gt;MSI GTX 750TI 2GB DDR5 128 BIT Twinfrozr OC&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Package includes:&lt;/b&gt;Complete box - GPU, cd, manual, etc... &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Price:&lt;/b&gt;************SOLD***********&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Dealing method:&lt;/b&gt;COD Puchong. No postage, lazy to do so.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact method/details:&lt;/b&gt;PM&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Age of item: Bought 11-10-2015&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Item(s) conditions:&lt;/b&gt;Almost new, superb.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Reason for sale:&lt;/b&gt;funding for a better GPU.&lt;br /&gt;&lt;br /&gt;Thanks for viewing.  &lt;!--emo&amp;B]--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cool.gif' border='0' style='vertical-align:middle' alt='cool.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>cokelatpanda</author>
            <category>Display Cards Garage Sales</category>
            <pubDate>Fri, 06 Nov 2015 09:44:30 +0800</pubDate>
        </item>
        <item>
            <title>WTS Gigabyte GVR557-1GH ATI Radeon HD 5570</title>
            <link>http://forum.lowyat.net/topic/3749598</link>
            <description>&lt;b&gt;Package includes:&lt;/b&gt; Gigabyte GVR557-1GH ATI Radeon HD 5570 ***SOLD****&lt;br /&gt;                                    1GB DDR3 128bit&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Price:&lt;/b&gt;RM90&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Warranty:&lt;/b&gt;3 days &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Dealing method:&lt;/b&gt;COD at Tesco Bukit Puchong&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact method/details:&lt;/b&gt; PM me&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Age of item:&lt;/b&gt;5 years&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Item(s) conditions:&lt;/b&gt;My current graphic card, good condition and still working&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Reason for sale:&lt;/b&gt;Upgrading&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Picture:&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;[attachmentid=5162761]&lt;br /&gt;[attachmentid=5162762]&lt;br /&gt;&lt;br /&gt;Thanks for viewing...  &lt;!--emo&amp;B]--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cool.gif' border='0' style='vertical-align:middle' alt='cool.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>cokelatpanda</author>
            <category>Display Cards Garage Sales</category>
            <pubDate>Tue, 20 Oct 2015 08:49:34 +0800</pubDate>
        </item>
        <item>
            <title>Maca root</title>
            <link>http://forum.lowyat.net/topic/3546669</link>
            <description>Where to find eh in bolehland. Anyone bought? Doesnt have to be this brand. thank you.  &lt;!--emo&amp;:peace:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_rolleyes.gif' border='0' style='vertical-align:middle' alt='icon_rolleyes.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;&lt;img src='http://www.swansonvitamins.com/en_US/images/ItemImages_SW/images_Xl/GH080_Xl.jpg' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;Maca Benefits&lt;br /&gt;&lt;br /&gt;Maca root (Lepidium meyenii) has many health benefits. Known for their advanced knowledge of healing and the body’s connection with nature, the Incan civilization used the maca root in many of their natural remedies. According to ancient Incan history, the maca root was known to have special properties which were believed to enhance energy and stamina. It is also believed to increase the sexual desire and endurance. Maca is often termed as Peruvian Ginseng due to its natural stimulating qualities that are similar to the benefits found in the commonly known ginseng-related herbs.&lt;br /&gt;&lt;br /&gt;The maca root can be found growing in the Andes Mountains, mainly in Peru. The environment which is deemed ideal for its growth is in uncongenial locations which are located high in the mountains. Maca flourishes in such climates due to its ability to thrive in spite of harsh temperatures and frost.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt; &lt;br /&gt;Maca is related to the mustard plant, and has similarities in appearance. The flowers of the maca resemble those of the mustard plant. It is not uncommon for farmers and /or those who are knowledgeable in horticulture to mistake the identity of either plant at first glance.&lt;br /&gt;&lt;br /&gt;Medicinally, the part of the maca that holds the active nutrients is the flesh of its root. The nutritional contents of the maca root are impressive. The root or tuber is high in protein, natural sugars, iron, potassium, iodine, magnesium, calcium, and fiber. Due to maca’s high nutritional content, it is often referred to as having “superfood” properties.&lt;br /&gt;&lt;br /&gt;Libido &amp;amp; Fertility&lt;br /&gt;&lt;br /&gt;Culturally, the ancient Peruvians ingested this powerful root to boost the potency of the male libido. Its natural properties help to create an aphrodisiac-like response in men who have suffered from impotency, low sex-drive, and fertility problems. The maca root is known to improve the quality and quantity of sperm in men who have lower than normal sperm counts, which helps to increase the level of fertility.&lt;br /&gt;&lt;br /&gt;Endurance&lt;br /&gt;&lt;br /&gt;Athletically speaking, the main ingredients and naturally occurring substances in maca are becoming widely used by today’s amateur and professional athletes alike. The main action of this powerful superfood is to strengthen endurance and energy levels, which gives the athlete a natural advantage. Testosterone also seems to be increased as well.&lt;br /&gt;&lt;br /&gt;Menopause&lt;br /&gt;&lt;br /&gt;Over time, other uses for maca have also shown promising benefits to health such as relief of fatigue and the reduction of menopausal symptoms in women. One of the most troublesome symptoms of menopause is hot flashes. The active ingredients in the maca root appear to lessen the severity and frequency of hot flashes that occur due to hormonal changes in a woman’s body as they reach middle age. Maca root helps to bring back into balance the body’s natural hormone levels without the use of synthetic hormone replacements that are typical treatments for menopausal symptoms.&lt;br /&gt;&lt;br /&gt;Menstruation&lt;br /&gt;&lt;br /&gt;Menstrual problems that often plague women of child-bearing age such as cramping, heavy or irregular periods, as well as PMS, have found that the maca root alleviates many of the uncomfortable symptoms.&lt;br /&gt;&lt;br /&gt;Skincare&lt;br /&gt;&lt;br /&gt;For both men and women alike, skin problems such as acne have been drastically improved with the use of maca.&lt;br /&gt;&lt;br /&gt;Depression&lt;br /&gt;&lt;br /&gt;Another essential benefit of the maca root is its known ability to relieve mild depression. There is an increase in the body’s levels of serotonin in individuals using maca. Common treatments for depression are antidepressant medications which tend to have uncomfortable side effects such as weight gain, fatigue, and dulled senses. Maca has none of the side effects that are found in pharmaceutical antidepressants. In fact, the active ingredients in the maca root boost energy and lift depression naturally.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt; &lt;br /&gt;The benefits of the ancient Peruvian maca root continue through the present day as a leading superfood health enhancer. For those who have benefited from its health properties, maca comes highly recommended as a time-tested source of health.&lt;br /&gt;&lt;br /&gt;&lt;a href='http://www.herbwisdom.com/herb-maca.html' target='_blank'&gt;sos&lt;/a&gt;</description>
            <author>cokelatpanda</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 09 Apr 2015 11:45:22 +0800</pubDate>
        </item>
        <item>
            <title>Aircond problem.</title>
            <link>http://forum.lowyat.net/topic/3504465</link>
            <description>Outside temperature below 30oC and good traffic – cool&lt;br /&gt;Outside temperature above 30oC and good traffic – very slow cooling&lt;br /&gt;Outside temperature above 30oC and bad traffic – hot&lt;br /&gt;What’s the culprit?  &lt;!--emo&amp;:hmm:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/hmm.gif' border='0' style='vertical-align:middle' alt='hmm.gif' /&gt;&lt;!--endemo--&gt;  TQ.&lt;br /&gt;</description>
            <author>cokelatpanda</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Mon, 23 Feb 2015 11:20:41 +0800</pubDate>
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        <item>
            <title>classical crossover</title>
            <link>http://forum.lowyat.net/topic/3464922</link>
            <description>Prefer one with dramatic, catchy, happening and uplifting mood. Moderate/fast pace. Audiophile that way, but I just wanna here my fellow /k suggestion. Thanks.  &lt;!--emo&amp;:peace:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_rolleyes.gif' border='0' style='vertical-align:middle' alt='icon_rolleyes.gif' /&gt;&lt;!--endemo--&gt;  &lt;br /&gt;&lt;br /&gt;Here’s a sample:&lt;br /&gt;&lt;br /&gt;[YOUTUBE]Lh9j0-Ey3kw[/YOUTUBE]</description>
            <author>cokelatpanda</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Fri, 09 Jan 2015 15:22:28 +0800</pubDate>
        </item>
        <item>
            <title>Rowing machine.</title>
            <link>http://forum.lowyat.net/topic/3444800</link>
            <description>Caught my interest. Any /k bought one? Is it worth spending for? Any suggestion on model/brand? Thanks. &lt;!--emo&amp;:peace:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_rolleyes.gif' border='0' style='vertical-align:middle' alt='icon_rolleyes.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;&lt;img src='http://cdn2.womensfitness.co.uk/sites/womensfitness/files/styles/article_main_wide_image/public/shutterstock_124146358.jpg' border='0' alt='user posted image' /&gt;</description>
            <author>cokelatpanda</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 18 Dec 2014 15:10:07 +0800</pubDate>
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        <item>
            <title>Why Mobile Voice Quality Still Stinks</title>
            <link>http://forum.lowyat.net/topic/3399361</link>
            <description>...........&lt;br /&gt;&lt;br /&gt;The first obstacle to a good-quality voice connection on today’s mobile phones is their design. Handsets have evolved considerably since Motorola debuted the original “brick” phones, made famous by Michael Douglas’s suave character Gordon Gekko in the 1987 movie Wall Street. With its ear-size speaker and microphone pointed directly at his mouth, the monstrosity Gekko used was clearly constructed with voice calls in mind. Modern phone makers have taken a new tack. The smartphone’s form “is driven by industrial design and not voice quality,” says Chris Kyriakakis, founder and chief technology officer of Audyssey, a Los Angeles–based acoustic design company.&lt;br /&gt;&lt;br /&gt;For example, to create an elegant, palmable chassis for watching videos and thumbing through music playlists, smartphone designers shrink and flatten speakers and sometimes even cover them in plastic, Kyriakakis explains. By themselves, small, compressed speakers damp down low frequencies, causing Darth Vader to sound like Tiny Tim. So smartphones use software to lessen such distortions, making voices sound more realistic.&lt;br /&gt;&lt;br /&gt;Your smartphone’s puny microphone is similarly problematic. And the farther it is from your mouth, the more unwanted noise it picks up. Many high-end smartphones address this problem by using multiple microphones, typically three. With one microphone situated as close as possible to the user’s lips and the additional ones set farther away—at the opposite end, for example—a smartphone can compare the different incoming signals to better filter out background sounds.&lt;br /&gt;&lt;br /&gt;But noise-cancellation algorithms aren’t a sure-fire fix, because they can take a few seconds to recognize a noise. So while they’re quite good at removing consistent sounds such as the thrum of a leaf blower or the hiss inside a passenger jet, they do a poor job of eliminating sudden or irregular disruptions, like a baby crying. Voice echoes are especially difficult to weed out because the algorithms must also preserve speech, says Jari Sjoberg, an audio expert at Microsoft and Nokia. Too much noise suppression removes much of the natural acoustic variation in human speech, making it sound robotic.&lt;br /&gt;&lt;br /&gt;And you can pretty much forget about getting a clear voice signal through a Bluetooth ear clip or the speakerphone in your car. These setups put the microphone closer to the speaker than to your mouth, causing callers’ voices or reflections within the car to echo back at them.&lt;br /&gt;&lt;br /&gt;...........&lt;br /&gt;&lt;br /&gt;&lt;img src='http://spectrum.ieee.org/img/10VoiceQualityBN1-1411396992573.jpg' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;Read more:&lt;br /&gt;&lt;br /&gt;&lt;a href='http://spectrum.ieee.org/telecom/wireless/why-mobile-voice-quality-still-stinksand-how-to-fix-it' target='_blank'&gt;sos&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>cokelatpanda</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 04 Nov 2014 16:42:22 +0800</pubDate>
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        <item>
            <title>i10 1.25 kappa cvvt VS iriz 1.3 vvt</title>
            <link>http://forum.lowyat.net/topic/3360662</link>
            <description>i10:&lt;br /&gt;Dated. No news on upcoming all new i10. &lt;br /&gt;86hp @ 6200 rpm&lt;br /&gt;119Nm @ 4000 rpm&lt;br /&gt;4 speed AT&lt;br /&gt;Kerb weight: 900 kg&lt;br /&gt;Reliability: not much info, i10 not popular. &lt;br /&gt;&lt;br /&gt;Iriz:&lt;br /&gt;New &amp;amp; fresh design.&lt;br /&gt;94hp @ 5750 rpm&lt;br /&gt;120 Nm @ 4000 rpm&lt;br /&gt;CVT&lt;br /&gt;Kerb weight: 1150 kg &lt;br /&gt;Reliability: proton first batch, prone to bugs and error.&lt;br /&gt;&lt;br /&gt;Put aside segment difference; which one better in FC, performance and handling (I suppose many will pick Iriz for handling). Picanto not having better handling than i10 from my reading thus not put in the comparison.&lt;br /&gt;&lt;br /&gt;Monthly payment (about the same or lesser after considering rebates and low interest rates on i10).&lt;br /&gt;Parts on i10 maybe on the higher side.&lt;br /&gt;RV about the same, is it?&lt;br /&gt;&lt;br /&gt;Lastly, Hyundai  Sime Darby VS Proton. Aftersales service. Which one better in terms of customer experience.&lt;br /&gt;&lt;br /&gt;Comments?  &lt;!--emo&amp;B]--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cool.gif' border='0' style='vertical-align:middle' alt='cool.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;</description>
            <author>cokelatpanda</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Fri, 26 Sep 2014 10:44:19 +0800</pubDate>
        </item>
        <item>
            <title>holiday, moar&amp;#33;</title>
            <link>http://forum.lowyat.net/topic/3349274</link>
            <description>Tomorrow public holiday. Selamat Hari Malaysia. Less traffic jam, boss not around, less annoying colleague. &lt;!--emo&amp;:)--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif' /&gt;&lt;!--endemo--&gt;  Very happy going to office today. Each time there is public holiday and school holidays, same episodes. Gomen, please grant us more public holidays (doest really matter Hari Mas, Hari Proton, Hari Ayam, Hari Kumbang whatsoever) and school holidays (mak bapak oso taking leaves).   &lt;br /&gt;&lt;br /&gt;Inbe4 Ts Malas&lt;br /&gt;Inbe4 3rd world country&lt;br /&gt;Inbe4 TS rempit, traffic jam non issue.&lt;br /&gt;&lt;br /&gt;&lt;img src='http://12ch.ru/macro/index.php/image/1512.jpg' border='0' alt='user posted image' /&gt;</description>
            <author>cokelatpanda</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Mon, 15 Sep 2014 08:50:14 +0800</pubDate>
        </item>
        <item>
            <title>Vespa Primavera</title>
            <link>http://forum.lowyat.net/topic/3346819</link>
            <description>Vespa Primavera dilancarkan dengan empat warna pilihan&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Naza Premira membawa masuk sebuah model ikon klasik Vespa iaitu Primavera bagi memantapkan barisan skuter jenama Itali di Malaysia.&lt;br /&gt;&lt;br /&gt;Bagi anda yang tidak tahu, Naza Premira ialah pengimport dan pengedar rasmi jenama Vespa di Malaysia.&lt;br /&gt;&lt;br /&gt;Vespa Primavera pada asalnya diperkenalkan kepada dunia pada zaman pasca perang Itali iaitu pada tahun 1968.&lt;br /&gt;&lt;br /&gt;Malah inilah skuter yang didakwa sebagai ejen yang memacu perubahan mobiliti agar tampil lebih bergaya. Yeke?&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Ada yang mengatakan inilah model yang diminati dalam sejarah Vespa.&lt;br /&gt;&lt;br /&gt;Bagi generasi baharu Primavera, imejnya lebih sporty. Jurusolek Vespa menyulam garis badan yang mengamit memori Vespa 946 dan menepati cita rasa orang muda.&lt;br /&gt;&lt;br /&gt;Vespa Primavera mendapat kuasa daripada unit enjin silinder tunggal tiga injap dengan bantuan sistem pancitan bahan api.&lt;br /&gt;&lt;br /&gt;Model itu dilengkapi lampu DRL LED dan sistem suspensi yang dinaik taraf.&lt;br /&gt;&lt;br /&gt;Ada empat pilihan warna iaitu merah, putih, hitam dan biru.&lt;br /&gt;&lt;br /&gt;Harga jualan asas model Vespa ini ialah RM11,888. Apa macam?&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;INBE4 scooter = pandan; die rempit.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='http://gearjahat.blogspot.com/2014/09/vespa-primavera-dilancarkan-dengan.html' target='_blank'&gt;sos&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='http://s1s.fr/bibliotheque/scooter-vespa-primavera-125-2014-2.jpg' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='http://1.bp.blogspot.com/-ksdVrDVeiow/VBFJdLfFkaI/AAAAAAAAB4I/L4bvUUWXyjs/s1600/Screenshots_2014-09-11-15-01-34.png' border='0' alt='user posted image' /&gt;</description>
            <author>cokelatpanda</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Fri, 12 Sep 2014 08:56:37 +0800</pubDate>
        </item>
        <item>
            <title>Trustworthy workshop and good workmanship.</title>
            <link>http://forum.lowyat.net/topic/3316448</link>
            <description>To fix my kelisa. Leaking problem, till dry engine oil. Been to 2 workshop already. Problem not solved. Preferably around Puchong and nearby area. Thanks in advance.  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>cokelatpanda</author>
            <category>Serious Kopitiam</category>
            <pubDate>Mon, 11 Aug 2014 09:16:37 +0800</pubDate>
        </item>
        <item>
            <title>Downgrading Your Vehicle to Save Costs</title>
            <link>http://forum.lowyat.net/topic/3261983</link>
            <description>Downgrading Your Vehicle to Save Costs&lt;br /&gt;&lt;br /&gt;With the economy in its current state, many are looking for ways to save money. From cutting out expenses, conserving electricity, couponing, and even downgrading products from name brand to off-brands there are many ways people are cutting costs. One downgrade many don’t think about may be sitting in your driveway. Your vehicle is a tool, an investment and an expense. With gas prices soaring, insurance rates on the rise and commutes becoming a common trend, the vehicle you drive may be a cost you can cut corners on.&lt;br /&gt;When the economy was stable many made the decision to purchase large SUV’s, faster cars with larger engines, and didn’t worry about the higher insurance rates, rising gas prices, or cost of maintenance, as they were still affordable. However, with everyone tightening their belts and trying to keep their money in their wallets, downgrading your current money sucking vehicle might help you save money.&lt;br /&gt;In today’s economy downgrading from a large SUV to a smaller sedan can save you a considerable amount of money annually. For an example I compared the cost of fuel and operation of a 2006 Chevy Trailblazer, 2wd, 6cyl, 4.2L engine, and the 2006 Chevy Cobalt 4cyl 2.2L engine. I chose this particular year and model for reasons such as possibility of current ownership of the Trailblazer as well as the possibility of finding a deal on the Cobalt today.&lt;br /&gt;To reach a result I took into consideration the current cost of fuel at &amp;#036;3.41 per gallon, 34 miles of daily driving for 5 days a week, 49 weeks a year with 45% of those miles being highway driving, as well as including 3,596 spare miles for traveling at 80% highway.&lt;br /&gt;The results were enough to consider downgrading. The annual cost of operation and fuel for the Chevy Trailblazer totaled an estimated &amp;#036;7,100; the Chevy Cobalt totaled &amp;#036;5,540. Therefore, downgrading to the smaller sedan would show an annual savings of &amp;#036;1,560.&lt;br /&gt;These savings will never go down, but rather increase as gas prices, maintenance costs, and insurance rates continue to rise. To some that doesn’t seem like enough of a savings to constitute a change. However, if taking into consideration the average lifespan of a car is 12 years, and the 2006 models are 5 years old, that will give you another 7 years of use and bring the combined savings to &amp;#036;10,920 for the remainder of the cars life. That is &amp;#036;10,920 saved for making one change.&lt;br /&gt;Many who currently own these larger SUV’s utilize the size perhaps once or twice a year. The amount of space in the sedans is adequate for everyday use such as grocery shopping, road trips, and everyday uses. Most 4 door sedans can comfortable seat 5 adults. For those with the need to seat larger families, downgrading from an SUV to a 4cyl Minivan can also prove a money saving choice. Even though the savings won’t be as substantial, it will still be easier on your wallet.&lt;br /&gt;If you are looking for ways to cut current costs, are not utilizing the true potential of your large SUV or van, perhaps downgrading is the option for you. With gas prices on the rise, insurance rates ever changing, and the cost of vehicle maintenance increasing, you may want to consider your mode of transportation. However, for arguments sake, let’s take a look at upgrading to a new vehicle. With the growing popularity of hybrids and the technological advances with electric cars, I compared the Trailblazer to a 2011 Chevy Volt. The annual savings by switching to a Chevy volt totaled &amp;#036;3,575. So perhaps even upgrading to a newer model is the right choice for you.&lt;br /&gt;&lt;br /&gt;&lt;a href='http://financialhighway.com/downgrading-your-vehicle-to-save-costs/' target='_blank'&gt;sos&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Here&amp;#39;s a scenario:&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;1- Downgrading: C segment (newly bought, 4-5 years remaining loan) to B segment (used) and get extra RM400 - 600 monthly.&lt;br /&gt;2- Change car : C segment (newly bought, 4-5 years remaining loan) to C/D segment (used) and get extra RM400 - 600 monthly.&lt;br /&gt;&lt;br /&gt;Is it worth? The current car not giving any problem, working fine so far. Current car mainly used for touring.</description>
            <author>cokelatpanda</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Wed, 18 Jun 2014 12:19:24 +0800</pubDate>
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            <title>When to Replace Your Car...</title>
            <link>http://forum.lowyat.net/topic/3223982</link>
            <description>This is a guest post from Robert Brokamp of The Motley Fool. Robert is a Certified Financial Planner and the advisor for The Motley Fool’s Rule Your Retirement service. He contributes one new article to Get Rich Slowly every two weeks.&lt;br /&gt;&lt;br /&gt;Over the holidays, we said good-bye to an old family member. It was definitely her time to go. She leaked, she conked out at odd times, and she stank. Of course, I’m talking about our old vehicle: a minivan with 182,000 miles on it. I didn’t let go of her easily; after all, we didn’t get rid of our previous car until it had 264,000 miles on it. I figured we could get the minivan to at least 200,000.&lt;br /&gt;&lt;br /&gt;But while visiting relatives in Florida, we had the opportunity to buy a used minivan from my sister’s meticulous neighbor for a great price. So we took it. I have to admit, it’s been a huge upgrade. It has all kinds of luxury features that our old minivan didn’t have, such as:&lt;br /&gt;&lt;br /&gt;    When you turn it on, it stays on until you turn it off.&lt;br /&gt;    When it rains, the water stays out of the vehicle.&lt;br /&gt;    There’s an electrical device in the cigarette lighter that I can use to charge my cell phone, rather than just an empty hole where an electrical device used to be.&lt;br /&gt;    The speedometer is an accurate reflection of the speed I’m traveling, rather than a number to which I have to add five to 15 mph.&lt;br /&gt;    The brake light comes on only when the emergency brake is actually engaged.&lt;br /&gt;    It has this thing called “air conditioning.”&lt;br /&gt;    It doesn’t stink. (The smell in the old car came from water coming in and getting the carpets all moldy.)&lt;br /&gt;    It has a “keyless remote,” which is a device on the key ring with buttons that, when pushed, cause the side doors to slide open.&lt;br /&gt;&lt;br /&gt;(Regarding that last feature, here’s a trick you can play on the uninitiated: I put the keyless remote in my pocket, and told my mom and my aunt that the doors were voice activated, but you had to use the secret word. In this van’s case, I told them, the secret word was “monkey _____.” Since this is a family website, I can’t print the actual word, but use your imagination and you’ll be close. So I got my 70-something mom and aunt to yell, “Monkey ____&amp;#33;” at the van, pressed the button in my pocket, and — voila&amp;#33; — the doors opened. They just couldn’t get over it. “I have to get me one of those&amp;#33;” my aunt exclaimed. I let them yell, “Monkey ___&amp;#33;” at the van for another 15 minutes, closing and opening the doors, until I told them the truth. If I had videotaped it, we’d all be YouTube heroes by now.)&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Drive a lemon, save some cabbage&lt;/b&gt;&lt;br /&gt;I take my share of barbs from family and friends for driving clunkers. But for me, there are two driving (no pun intended) factors: 1) money, and 2) safety. Let’s look at the first one.&lt;br /&gt;&lt;br /&gt;At what point is repairing an old vehicle just throwing good money after bad? Here’s one way to look at it: According to Comerica Bank, creator of the Auto Affordability Index, the average cost of a light vehicle last year was &amp;#036;25,500. If you had to finance that total amount over four years at the going rate of 6.56% (according to Bankrate), it would cost you &amp;#036;605.44 a month. If you spend less than that on repairs of the old vehicle, then keeping it saves money…at least for the next four years. At that point, the newer car would be paid off, and the old car would be really old.&lt;br /&gt;&lt;br /&gt;But in the meantime, if it cost you only &amp;#036;200 a month to maintain the old vehicle, you saved &amp;#036;405.44 a month, or &amp;#036;19,461.12 over four years. Not too shabby.&lt;br /&gt;&lt;br /&gt;While that’s helpful as a way to begin to think about the question, it doesn’t really help with determining a bottom-line number for an actual person because it’s based on an average number, 100% financing, and the purchase of a new car. To help someone like you — who is non-average, who likely wouldn’t finance the entire purchase, and who might be buying a “pre-owned” car (which, to me, is an inappropriate term, since “pre-owned” should mean “before it was owned,” that is, new) — you’ll have to whip out a spreadsheet and factor in all the costs. That includes assuming higher maintenance costs for the older car, but also higher insurance, higher property tax (if you, like me, live in a state that charges such things), and transaction costs after replacing your jalopy. It’s not an exact science, since it involves forecasting future maintenance costs — an impossible task. But it will give you some numbers to think about. In most cases, I bet the analysis will show that keeping the old car is the way to go, financially.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;But then there’s safety&lt;/b&gt;&lt;br /&gt;Did I do just such an analysis when I decided to replace our old minivan? Not exactly. We had reached a point where we were spending more than &amp;#036;2,000 a year on maintenance, and I had a rough idea of how much it would cost to fix the major problems with our van. Then this opportunity came up, to buy a van from one of those people who perform regular maintenance and have the records to prove it, at a price &amp;#036;2,000 to &amp;#036;5,000 below what it would have cost me to get the same vehicle from Craigslist or Carmax.&lt;br /&gt;&lt;br /&gt;But what really got me was that the old van just didn’t feel safe anymore. Something was always going wrong, and I didn’t want something major to happen while my wife was on the highway with our kids. And I must admit, it’s nice to have a car that stays dry, has A/C, and doesn’t stink…yet. If I ran the numbers, I suspect my spreadsheet would have said, “Keep the old car.” But as readers of this website know, financial decisions don’t always come down to dollar and cents.&lt;br /&gt;&lt;br /&gt;So I feel comfortable with the decision we made. As for our old van, my sister and brother-in-law got the major problems fixed and arranged to have it donated to a church they work with, so we’ll get a tax deduction out of the deal (another factor that would have gone into the spreadsheet) and the van will hopefully last long enough to do some good. My relatives in Florida approved of the trade-off, especially those who make jokes about the heaps we’ve driven, and believe that any car should be replaced once it reaches 100,000 miles.&lt;br /&gt;&lt;br /&gt;Yet the math clearly shows that driving a car well beyond that point is the right thing to do for your net worth. According to Comerica Bank, the purchase of a new car costs 21.9 weeks of a median household’s income. That’s working 42% of the year just for a car. To me, acquiring a new vehicle before it’s necessary is a bunch of financial monkey _____.&lt;br /&gt;&lt;br /&gt;&lt;a href='http://www.getrichslowly.org/blog/2010/02/03/when-to-replace-your-car/' target='_blank'&gt;sos&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;upah.&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('47f987592862e10427b0c22022ba3289')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;47f987592862e10427b0c22022ba3289&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;img src='http://kourdistoportocali.com/UsersFiles/admin/2013/02/datsun137608806862_561661862_3108272_1213446_n.jpg' border='0' alt='user posted image' /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('632bf5ca7a5d45629bdb2dd497ab82ec')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;632bf5ca7a5d45629bdb2dd497ab82ec&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;</description>
            <author>cokelatpanda</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Wed, 14 May 2014 10:53:12 +0800</pubDate>
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            <title>Rempit and chair</title>
            <link>http://forum.lowyat.net/topic/3201536</link>
            <description>&lt;img src='http://www.bikers.pl/images/uploaded/image/Ciekawostki/pozycja%20na%20moto.jpg' border='0' alt='user posted image' /&gt;</description>
            <author>cokelatpanda</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 22 Apr 2014 11:54:45 +0800</pubDate>
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            <title>Should you go to sleep?</title>
            <link>http://forum.lowyat.net/topic/3196436</link>
            <description>&lt;img src='http://chaoslife.findchaos.com/comics/x2012-12-10Sleep-Chart.png.pagespeed.ic.9jejNeNw3X.png' border='0' alt='user posted image' /&gt;</description>
            <author>cokelatpanda</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 17 Apr 2014 13:42:10 +0800</pubDate>
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            <title>wanpisu 743 spoiler....</title>
            <link>http://forum.lowyat.net/topic/3180563</link>
            <description>&lt;a href='http://www.ishuhui.com/archives/2239' target='_blank'&gt;Here&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='http://img15.poco.cn/mypoco/myphoto/20140402/14/52430825201404021435593596538578210_014.jpg' border='0' alt='user posted image' /&gt;</description>
            <author>cokelatpanda</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Wed, 02 Apr 2014 15:59:45 +0800</pubDate>
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