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Rujukan ......

Ingatan tulus ikhlas

Hell notes vs malaysian notes

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where is the horse?

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Doa utk sahabat

Ya اللّه , shbt saya yang membaca ini adalh shbt yg baik, kuat, sabar, sayangilah dia serta kasihilah dia.tolong bantu mudahkan rezekinya, sehatkan tubuh badannya.

Jika dia melangkah, selamatkanlah dia, mudahkan langkahnya . ‎​​. آمِيّنْ... آمِيّنْ آمِّيْنَ يَا رَبَّ الْعَالَمِيْنَ.
kirim ke shbt" yang kamu sayangi. ‎​‎​اِ نْ شَآ ء اللّهُ.
hidupmu akan bahagia karna mereka juga mendoakan.

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Doa on Ramadhan Eve

Ehsan from Lukhman S...

Wahai Tuhan
Ramadhan itu menjelma lagi
Datang berpaut di dalam kehidupan kami
Oleh itu Wahai Tuhan
Kami mohon sangat sangat dari Mu
Agar ramadhan kali ini
Kami diberi peluang
Yang sebaik baik nya
Untuk kami beramal beribadat buat Mu
Cukuplah selama sebelas bulan
Engkau memberikan kami
Segalanya
Biarlah satu bulan ini
Kami korbankan segalanya pula
Buat Mu …..untuk Mu
 
Kami mohon
Agar Engkau memberi
Kekuatan, kesihatan yang sempurna
Kelapang yang terbaik untuk kami
Terus mendekatkan hati kami, jiwa kami
Dengan Mu
Dengan penuh ikhlas
Kesihanilah kami
Insan yang bergelar Hamba
Yang selalu melakukan kesilapan
Di dalam arus kehidupan

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Rules of relationship

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Greatest mistake

..... As always ....

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Some people say

.... Yea la kot. Sy x tau ....
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Kata-kata hikmat

... Menarik ...

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Trust

6 common tire myths debunked

http://autos.yahoo.com/news/6-common-tire-myths-debunked.html

Tires are arguably the most important component on your vehicle. They are, however, among the least understood features. Allow me to list and pop a few common misconceptions about tires. 

1. The tire-pressure monitoring system (TPMS) in my new car makes sure my tires are adequately inflated. 

The truth: TPMS isn't required to issue a warning until pressure is 25 percent below the vehicle manufacturer's recommendation. That's "well below the pressure required for safe driving," according to AAA and "barely adequate to carry the vehicle's maximum load," says the Rubber Manufacturers' Association. TPMS is intended as a last-minute warning before imminent tire failure, not as a monitor to make sure your tires are properly inflated. 

Buy a quality tire gauge and set your tire pressure to at least the vehicle manufacturer's recommendation, which is found on the driver's door jamb. I'd rather you set your tires 3 or even 5 psi high rather than 1 low. Tire-pressure gauges can be inaccurate, and tires leak as much as 1 psi per month. Higher pressure improves hydroplaning resistance and, if you're like many folks, you may not bother to check your tires again for six months. 

2. When replacing only two tires, the new ones go on the front. 

The truth: Rear tires provide stability, and without stability, steering or braking on a wet or even damp surface might cause a spin. If you have new tires up front, they will easily disperse water while the half-worn rears will go surfing: The water will literally lift the worn rear tires off the road. If you're in a slight corner or on a crowned road, the car will spin out so fast you won't be able to say, "Oh, fudge!" 

There is no "even if" to this one. Whether you own a front-, rear- or all-wheel-drive car, truck, or SUV, the tires with the most tread go on the rear. Don't believe it? Watch this. 

3. A tire is in danger of bursting if pressure exceeds the "max press" number on the sidewall. 

The truth: The "max press" number has nothing to do with a tire's burst pressure. The "max press" and "max load" numbers indicate the pressure at which the tire will carry the maximum amount of weight. A new, quality tire will not pop at an even multiple of the "max press." I'm sworn to secrecy about the exact burst pressure, but I wouldn't hesitate to double the "max press" of any new passenger-vehicle tire on a new wheel. But hitting a big pothole at super-high pressures may cause a failure. 

4. The "max press" is where the tire offers its maximum cornering grip. 

The truth: If you didn't read the previous point, do so now. Many law enforcement officers cling rigidly to the misconception that the "max press" is secret code for maximum at-the-limit traction. It's a coincidence that many low-bidder tires offer increased grip at 40 or more psi. But that's all it is: a coincidence. If I were going to race a stock ex-cop Ford Crown Victoria on street tires on a road-racing circuit, 45 psi front, 35 psi rear wouldn't be a bad place to start. (The tail would be, in Nascar lingo, too loose for safe street driving.) 

5. Low-profile tires fitted on large-diameter wheels improve handling. 

The truth: The short sidewalls of low-profile tires enhance the tires' response when the driver first turns the steering wheel. That gives the driver the (often false) feeling the tire has tons of grip. But after that initial movement, it's the tread compound—the stickiness of the rubber—that determines how well the tire grips the road. Also, the combination of a large-diameter wheel and low-profile tire is usually heavier than the original equipment. This means the suspension may not be able to keep the tire in touch with the pavement. 

6. All tires with the same designation are exactly the same size. 

The truth: Think all 225/35R19s (or whatever tire size) are exactly 225 millimeters wide and their sidewalls are exactly 35 percent as tall as the tire is wide? Not exactly. And unlike what's commonly believe, these designations are not about production tolerances. 

All the tires of a specific part number or stock keeping unit (SKU) can be can be slightly wider or narrower than the nominal width and their profile can be slightly taller or shorter than the stated percentage. Why? A wider, taller tire puts more rubber on the ground, which is good for a performance tire. A shorter, narrower tire uses less material, thus reducing costs in a business where profit margins almost never break into double digits. So tiremakers might scrimp a bit here and there. It's a bit like how a 2 x 4 is not, in fact, 2 by 4.

The 11 Ways That Consumers Are Hopeless at Math

http://www.theatlantic.com/business/archive/2012/07/the-11-ways-that-consumers-are-hopeless-at-math/259479/

This is your brain on shopping, and it's not very smart

Reuters

You walk into a Starbucks and see two deals for a cup of coffee. The first deal offers 33% extra coffee. The second takes 33% off the regular price. What's the better deal?

"They're about equal!" you'd say, if you're like the students who participated in a new study published in the Journal of Marketing. And you'd be wrong. The deals appear to be equivalent, but in fact, a 33% discount is the same as a 50 percent increase in quantity. Math time: Let's say the standard coffee is $1 for 3 quarts ($0.33 per quart). The first deal gets you 4 quarts for $1 ($0.25 per quart) and the second gets you 3 quarts for 66 cents ($.22 per quart).

The upshot: Getting something extra "for free" feels better than getting the same for less. The applications of this simple fact are huge. Selling cereal? Don't talk up the discount. Talk how much bigger the box is! Selling a car? Skip the MPG conversion. Talk about all the extra miles.

There are two broad reasons why these kind of tricks work. First: Consumers don't know what the heck anything should cost, so we rely on parts of our brains that aren't strictly quantitative. Second: Although humans spend in numbered dollars, we make decisions based on clues and half-thinking that amount to innumeracy. 

Here are 10 more ways consumers are bad at math, with an assist from historian and author William Poundstone.

(2) We're heavily influenced by the first number. You walk into a high-end store, let's say it's Hermès, and you see a $7,000 bag. "Haha, that's so stupid!" you tell your friend. "Seven grand for a bag!" Then you spot an awesome watch for $367. Compared to a Timex, that's wildly over-expensive. But compared to the $7,000 price tag you just put to memory, it's a steal. In this way, stores can massage or "anchor" your expectations for spending.

(3) We're terrified of extremes. We don't like feeling cheap, and we don't like feeling duped. Since we're not sure what things are worth, we shy away from prices that appear too high or too low. Stores can employ our bias for moderation against us. Here's a great story: 

People were offered 2 kinds of beer: premium beer for $2.50 and bargain beer for $1.80. Around 80% chose the more expensive beer. Now a third beer was introduced, a super bargain beer for $1.60 in addition to the previous two. Now 80% bought the $1.80 beer and the rest $2.50 beer. Nobody bought the cheapest option.
Third time around, they removed the $1.60 beer and replaced with a super premium $3.40 beer. Most people chose the $2.50 beer, a small number $1.80 beer and around 10% opted for the most expensive $3.40 beer.

In short: We are all Goldilocks.

(4) We're in love with stories. In his book Priceless, William Poundstone explains what happened when Williams-Sonoma added a $429 breadmaker next to their $279 model: Sales of the cheaper model doubled even though practically nobody bought the $429 machine. Lesson: If you can't sell a product, try putting something nearly identical, but twice as expensive, next to it. It'll make the first product look like a gotta-have-it bargain. One explanation for why this tactic works is that people like stories or justifications. Since it's terribly hard to know the true value of things, we need narratives to explain our decisions to ourselves. Price differences give us a story and a motive: The $279 breadmaker was, like, 40 percent cheaper than the other model -- we got a great deal! Good story.

(5) We do what we're told. Behavioral economists love experimenting in schools, where they've found that shining a light on fruit and placing a salad bar in the way of the candy makes kids eat more fruit and salad. But adults are equally susceptible to these simple games. Savvy restaurants, for example, design their menus to draw our eyes to the most profitable items by things as simple as pictures and boxes. Good rule of thumb: If you see a course on the menu that's highlighted, boxed, illustrated, or paired with a really expensive item, it's probably a high-margin product that the restaurant hopes you'll see and consider. 

(6) We let our emotions get the best of us. In a brilliant experiment from Poundstone's book, volunteers are offered a certain number of dollars out of $10. Offers seen as "unfair" ($1, let's say) activated the insula cortex, "which is otherwise triggered by pain and foul odors." When we feel like we're being ripped off, we literally feel disgusted -- even when it's a good deal. Poundstone equates this to the minibar experience. It's late, you're hungry, there's a Snickers right there, but you're so turned off by the price, that you starve yourself to avoid the feeling of being ripped off. The flip-side is that bargains literally make us feel good about ourselves. Even the most useless junk in the world is appealing if the price feels like a steal.

(7) We're easily made dumber by alcohol, time, decisions. When you're young and drunk at a bar, you're more likely to do stupid things with strangers. "Am I fully assessing this complex romantic situation?" is a difficult question to answer on seven glasses of wine, so we're more likely to ask ourselves a simpler question: "Is s/he hot?" When we're drunk, stressed, tired, and otherwise inattentive, we're more likely to ask and answer simple questions about buying things. Cheap candy bars and gum are situated near the check-out at grocery stores because that's where exhausted shoppers are most likely to indulge cravings without paying attention to price. Boozy lunches are good for deal-making because alcohol narrows the range of complicating factors we can hold in our heads at once. If you want somebody to take an under-examined risk, get him boozed, tired, or ego-depleted.

(8) We're pained by transaction costs... In a personal finance column here, Megan McArdle implored her readers to give up recurring payments like gym memberships and subscriptions to papers and services they don't use. "Don't buy stuff you don't consume" seems like obvious enough advice, but Megan had a great point. We're drawn to subscriptions and memberships and bundles partially because we seek to avoid transaction costs. We'd rather overpay a little than suffer the psychological pain of pulling out a wallet and watching our money go to each gym season/movie/etc.

(9) ... but we're weird about rebates and warranties. Now that I've just told you that consumers try to avoid additional payments, I should add that there are two additional payments we love: rebates and warranties. The first buys the illusion of wealth ("I'm being paid money to spend money!"). The second buys peace of mind ("Now I can own this thing forever without worrying about it!"). Both are basically tricks. "Instead of buying something and getting a rebate," Poundstone writes, "why not just pay a lower price in the first place?' 

"[Warranties] make no rational sense," Harvard economist David Cutler told the Washington Post. "The implied probability that [a product] will break has to be substantially greater than the risk that you can't afford to fix it or replace it. If you're buying a $400 item, for the overwhelming number of consumers that level of spending is not a risk you need to insure under any circumstances."

(10) We're obsessed with the number 9. Up to 65 percent of all retail prices end in the number 9. Why? Everybody knows that $20 and $19.99 are the same thing. But the number 9 tells us something simple: This thing is discounted. This thing is cheap. This thing was priced by somebody who knows you like things discounted and cheap. In other words, 9 has transcended the status of charm price to become a cable of silent understanding between buyer and seller that a product is being priced competitively and fairly. Putting a 9 on a shell-fish platter at a high-end restaurant is ridiculous. Nobody spending $170 on lobster is looking for a discount. But the same person shopping for underwear is (research has shown, again and again) more likely to buy a product that ends in 9. Remember: Shopping is an attention game. Consumers aren't just hunting for products. They're hunting for clues that products are worth buying. In the number 9, the bargain-hunter/discount-gatherer corner of our brain spots a pluckable deal.

(11) We're compelled by a strong sense of fairness. I've already explained how our brains light up differently based on seeing a bargain vs. a rip-off. The shopper's brain is motivated by a sense of fairness. Again, it comes back to the idea that we don't know what things should cost, and so we use cues to tell us what we ought to pay for them. An experiment by the economist Dan Ariely tells the story beautifully. Ariely pretended he was giving a poetry recital. He told one group of students that the tickets cost money and another group that they would be paid to attend. Then he revealed to both groups that the recital was free. The first group was anxious to attend, believing they were getting something of value for free. The second group mostly declined, believing they were being forced to volunteer for the same event without compensation. 

What's a poetry recital by a behavioral economist worth? The students had no idea. That's the point. I don't know, either. That's also the point. What's a button-up shirt "worth"? What's a cup of coffee "worth"? What's a life insurance policy "worth"? Who knows! Most of us don't. As a result, the shopping brain uses only what is knowable: visual clues, triggered emotions, comparisons, ratios, and a sense of bargain vs. rip-off. We're not stupid. Just susceptible.

Funny wordings

..... Teaser ......

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Nifsyu Sya'aban

Learn to appreciate what you have

tu yg selalu kita terlepas pandang. take things for granted utk yg ada depan mata. always searching for the unknown n unsure. itulah perangai manusia. searching for the best tanpa memikirkan utk improvise yg ada.. sy pun selalu begitu. selalu looking n looking.....