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What is the Forex market? • What is Forex? – The basics… Basically, the Forex market is where banks, businesses, governments, investors and traders come to exchange and speculate on currencies. The Forex market is also referred to as the ‘Fx market’, ‘Currency market’, ‘Foreign exchange currency market’ or ‘Foreign currency market’, and it is the largest and most liquid market in the world with an average daily turnover of $3.98 trillion. The Fx market is open 24 hours a day, 5 days a week with the most important world trading centers being located in London, New York, Tokyo, Zurich, Frankfurt, Hong Kong, Singapore, Paris, and Sydney. It should be noted that there is no central marketplace for the Forex market; trading is instead said to be conducted ‘over the counter’; it’s not like stocks where there is a central marketplace with all orders processed like the NYSE. Forex is a product quoted by all the major banks, and not all banks will have the exact same price. Now, the broker platforms take all theses feeds from the different banks and the quotes we see from our broker are an approximate average of them. It’s the broker who is effectively transacting the trade and taking the other side of it…they ‘make the market’ for you. When you buy a currency pair…your broker is selling it to you, not ‘another trader’. • A brief history of the Forex market Ok, I admit, this part is going to be a little bit boring, but it’s important to have some basic background knowledge of the history of the Forex market so that you know a little bit about why it exists and how it got here. So here is the history of the Forex market in a nutshell: In 1876, something called the gold exchange standard was implemented. Basically it said that all paper currency had to be backed by solid gold; the idea here was to stabilize world currencies by pegging them to the price of gold. It was a good idea in theory, but in reality it created boom-bust patterns which ultimately led to the demise of the gold standard. The gold standard was dropped around the beginning of World War 2 as major European countries did not have enough gold to support all the currency they were printing to pay for large military projects. Although the gold standard was ultimately dropped, the precious metal never lost its spot as the ultimate form of monetary value. The world then decided to have fixed exchange rates that resulted in the U.S. dollar being the primary reserve currency and that it would be the only currency backed by gold, this is known as the ‘Bretton Woods System’ and it happened in 1944 (I know you super excited to know that). In 1971 the U.S. declared that it would no longer exchange gold for U.S. dollars that were held in foreign reserves, this marked the end of the Bretton Woods System. It was this break down of the Bretton Woods System that ultimately led to the mostly global acceptance of floating foreign exchange rates in 1976. This was effectively the “birth” of the current foreign currency exchange market, although it did not become widely electronically traded until about the mid 1990s. (OK! Now let’s move on to some more entertaining topics!)… What is Forex Trading? Forex trading as it relates to retail traders (like you and I) is the speculation on the price of one currency against another. For example, if you think the euro is going to rise against the U.S. dollar, you can buy the EURUSD currency pair low and then (hopefully) sell it at a higher price to make a profit. Of course, if you buy the euro against the dollar (EURUSD), and the U.S. dollar strengthens, you will then be in a losing position. So, it’s important to be aware of the risk involved in trading Forex, and not only the reward. • Why is the Forex market so popular? Being a Forex trader offers the most amazing potential lifestyle of any profession in the world. It’s not easy to get there, but if you are determined and disciplined, you can make it happen. Here’s a quick list of skills you will need to reach your goals in the Forex market: Ability – to take a loss without becoming emotional Confidence – to believe in yourself and your trading strategy, and to have no fear Dedication – to becoming the best Forex trader you can be Discipline – to remain calm and unemotional in a realm of constant temptation (the market) Flexibility – to trade changing market conditions successfully Focus – to stay concentrated on your trading plan and to not stray off course Logic – to look at the market from an objective and straight forward perspective Organization – to forge and reinforce positive trading habits Patience – to wait for only the highest-probability trading strategies according to your plan Realism – to not think you are going to get rich quick and understand the reality of the market and trading Savvy – to take advantage of your trading edge when it arises and be aware of what is happening in the market at all times Self-control – to not over-trade and over-leverage your trading account As traders, we can take advantage of the high leverage and volatility of the Forex market by learning and mastering and effective Forex trading strategy, building an effective trading plan around that strategy, and following it with ice-cold discipline. Money management is key here; leverage is a double-edged sword and can make you a lot of money fast or lose you a lot of money fast. The key to money management in Forex trading is to always know the exact dollar amount you have at risk before entering a trade and be TOTALLY OK with losing that amount of money, because any one trade could be a loser. More on money management later in the course. • Who trades Forex and why? Banks – The interbank market allows for both the majority of commercial Forex transactions and large amounts of speculative trading each day. Some large banks will trade billions of dollars, daily. Sometimes this trading is done on behalf of customers, however much is done by proprietary traders who are trading for the bank’s own account. Companies – Companies need to use the foreign exchange market to pay for goods and services from foreign countries and also to sell goods or services in foreign countries. An important part of the daily Forex market activity comes from companies looking to exchange currency in order to transact in other countries. Governments / Central banks – A country’s central bank can play an important role in the foreign exchange markets. They can cause an increase or decrease in the value of their nation’s currency by trying to control money supply, inflation, and (or) interest rates. They can use their substantial foreign exchange reserves to try and stabilize the market. Hedge funds – Somewhere around 70 to 90% of all foreign exchange transactions are speculative in nature. This means, the person or institutions that bought or sold the currency has no plan of actually taking delivery of the currency; instead, the transaction was executed with sole intention of speculating on the price movement of that particular currency. Retail speculators (you and I) are small cheese compared to the big hedge funds that control and speculate with billions of dollars of equity each day in the currency markets. Individuals – If you have ever traveled to a different country and exchanged your money into a different currency at the airport or bank, you have already participated in the foreign currency exchange market. Investors – Investment firms who manage large portfolios for their clients use the Fx market to facilitate transactions in foreign securities. For example, an investment manager controlling an international equity portfolio needs to use the Forex market to purchase and sell several currency pairs in order to pay for foreign securities they want to purchase. Retail Forex traders – Finally, we come to retail Forex traders (you and I). The retail Forex trading industry is growing everyday with the advent of Forex trading platforms and their ease of accessibility on the internet. Retail Forex traders access the market indirectly either through a broker or a bank. There are two main types of retail Forex brokers that provide us with the ability to speculate on the currency market: brokers and dealers. Brokers work as an agent for the trader by trying to find the best price in the market and executing on behalf of the customer. For this, they charge a commission on top of the price obtained in the market. Dealers are also called market makers because they ‘make the market’ for the trader and act as the counter-party to their transactions, they quote a price they are willing to deal at and are compensated through the spread, which is the difference between the buy and sell price (more on this later). Advantages of Trading the Forex Market: • Forex is the largest market in the world, with daily volumes exceeding $3 trillion per day. This means dense liquidity which makes it easy to get in and out of positions. • Trade whenever you want: There is no opening bell in the Forex market. You can enter or exit a trade whenever you want from Sunday around 5pm EST to Friday around 4pm EST. • Ease of access: You can fund your trading account with as little as $250 at many retail brokers and begin trading the same day in some cases. Straight through order execution allows you to trade at the click of a mouse. • Fewer currency pairs to focus on, instead of getting lost trying to analyze thousands of stocks • Freedom to trade anywhere in the world with the only requirements being a laptop and internet connection. • Commission-free trading with many retail market-makers and overall lower transaction costs than stocks and commodities. • Volatility allows traders to profit in any market condition and provides for high-probability weekly trading opportunities. Also, there is no structural market bias like the long bias of the stock market, so traders have equal opportunity to profit in rising or falling markets. While the forex market is clearly a great market to trade, I would note to all beginners that trading carries both the potential for reward and risk. Many people come into the markets thinking only about the reward and ignoring the risks involved, this is the fastest way to lose all of your trading account money. If you want to get started trading the Fx market on the right track, it’s critical that you are aware of and accept the fact that you could lose on any given trade you take.

Ini Tanda-tanda Kalau Allah Benci Atau Sayang Kepada Kita

Rabu, 13 September 2017 Hikmah, Kultum Edit

Allah Ta’ala berfirman mafhumnya:

“Katakanlah (wahai Muhammad), jikalau engkau semua mencintai Allah, maka ikutilah aku, tentu engkau semua dicintai oleh Allah, serta Allah mengampuni dosamu semua dan Allah itu adalah Maha Pengampun lagi Penyayang,” [Surah Aali-lmran : 31]

Apa lagi yang lebih berharga dan lebih penting dari mendapat CINTA dari Allah S.w.t Pencipta sekalian makhluk. Jika sudah mendapat cinta Allah, maka insyaAllah akan berbahagialah hidup di dunia dan juga di akhirat.

Tanda-tanda Allah Sayang Kepada Hamba-Nya

1. Paham Agama

Rasulullah S.a.w bersabda, maksudnya: “Apabila Allah mencintai seseorang maka Dia membuatnya faham mengenai agamanya.” [Hadits Riwayat al-Bukhari dan Muslim]

“… Allah meninggikan darjat orang-orang yang beriman di antara kamu, dan orang-orang yang diberi ilmu pengetahuan agama (dari kalangan kamu) beberapa darjat, dan (ingatlah), Allah Maha Mendalam Pengetahuan-Nya tentang apa yang kamu lakukan.” [Surah Al-Mujadilah : ayat 11]

2. Sabar dan Redha Dengan Ujian-ujian Dari Allah

“Dan sungguh akan Kami berikan ujian kepadamu, dengan sedikit ketakutan, kelaparan, kekurangan harta, jiwa dan buah-buahan. Dan berikanlah berita gembira kepada orang-orang yang sabar, (iaitu) orang-orang yang apabila ditimpa musibah, mereka mengucapkan, “Innaa lillaahi wa innaa ilaihi raaji`uun” Mereka itulah yang mendapat keberkatan yang sempurna dan rahmat dari Tuhan mereka, dan mereka itulah orang-orang yang mendapat petunjuk.” [Surah Al-Baqarah : 155-157]

“Sesungguhnya besarnya pahala sebanding dengan besarnya ujian. Dan sesungguhnya jika Allah mencintai suatu kaum pasti Dia menguji mereka. Maka siapa yang redha (terhadapnya) maka baginya keredhaan Allah, dan siapa yang marah (terhadapnya) maka baginya kemurkaan Allah.” [Hadits Riwayat Al-Tirmidzi dan Ibnu Majah]

“Tidaklah seorang mukmin dan mukminah tertimpa musibah pada dirinya, anaknya dan hartanya sehingga dia berjumpa Allah Ta’ala tidak membawa satu kesalahan pun.” [Hadits Riwayat Al-Tirmidzi. Beliau berkata: hadits hasan shahih]

“Kalau Allah menghendaki kebaikan kepada hamba-Nya, maka akan disegerakan hukumannya di dunia, kalau mengkehendaki kepada hambaNya keburukan, maka ditahan (siksanya) kerana dosanya sampai penuh nanti di hari kiamat.” [Hadits Riwayat Tirmizi, 2396]

Oleh itu antara tanda Allah mencintai seorang hamba juga ialah Dia uji hamba itu dengan pelbagai ujian. Maka jika hamba itu bersabar dan redha, itulah tandanya Allah cintakan hamba tersebut.

Dan ketahuilah, para rasul dan nabi lah yang paling berat menerima ujian dan musibah dari Allah S.w.t. Kerana itulah darjat mereka tinggi, dan menjadi teladan kepada seluruh manusia dalam menempuh kehidupan yang serba mencabar ini.

3. Cinta Mencintai Kerana Allah

Allah berfirman, “Pasti akan mendapat cintaKu orang-orang yang cinta-mencintai kerana Aku, saling kunjung mengunjungi kerana Aku dan saling memberi kerana Aku.” [Hadits Qudsi]

Semoga kita tidak menjadi orang yang cintakan manusia lain kerana nafsu syahwat, harta-benda dan keduniaan semata-mata. Cinta yang paling utama ialah cinta kepada Allah S.w.t, kemudian kepada Rasulullah S.a.w, ibu bapa dan barulah manusia-manusia lain.

4. Berakhir Hidup Dengan Husnul Khotimah

Rasulullah S.a.w bersabda: “Jika Allah mencintai seorang hamba, Dia akan memaniskannya.”

Sahabat bertanya: “Apa itu memaniskannya ya Rasulullah?”

Baginda berkata: “Dia akan memberinya petunjuk untuk melakukan kebaikan ketika menjelang ajalnya, sehingga tetangga akan meredhainya (atau ia berkata) orang sekelilingnya.” [Hadits Riwayat Al-Hakim]

5. Sentiasa Berdzikir Kepada Allah

Diriwayatkan bahawa Nabi Musa ‘Alaihi salam pernah berkata, ” Wahai Rabb Ku Yang Maha Mulia, Bagaimana aku dapat membezakan antara orang yang ENGKAU CINTAI dengan orang yang ENGKAU BENCI?”

Allah Subhanahu wa ta’ala berfirman: “Wahai Musa, Sesungguhnya jika Aku mencintai seorang hamba, maka Aku akan menjadikan dua tanda kepadanya”

Nabi Musa bertanya, “Wahai Rabb, apa kedua tanda itu?”

Allah S.w.t berfirman: “Aku akan mengilhamkannya agar dia berdzikir kepada Ku, agar aku dapat menyebutnya di kerajaan langit dan Aku akan menahannya dari lautan murka Ku, agar dia tidak terjerumus dalam azab dan siksaKu.”

Tanda-tanda Allah Benci Kepada Hamba-Nya

1. Lupa dan Malas Berdzikir Kepada Allah

“Wahai Musa, jika Aku membenci seorang hamba, Aku jadikan juga dua tanda kepadanya”

Nabi Musa Alaihisalam: “Wahai RabbKu, apa kedua tanda itu?”

Allah S.w.t berfirman: “Aku akan melupakannya berdzikir kepada Ku, Aku akan melepaskan ikatan antara dirinya dan jiwanya, agar dia terjerumus dalam lautan Murka Ku dan merasakan azab pedihKu.”

2. Syirik Kepada Allah

“Sesungguhnya Allah tidak akan mengampuni dosa syirik dan Dia mengampuni segala dosa yang selain dari (syirik) itu bagi siapa yang dikehendaki-Nya. Barangsiapa yang mempersekutukan Allah maka sungguh dia telah berbuat dosa yang besar.” [Surah An Nisa’ : 48]

3. Hidup Senang-senang Tanpa Mendapat Ujian Berat yang Membolehkannya Menginsafi Diri dan Takut Pada Allah

“Kalau Allah menghendaki kebaikan kepada hambaNya, maka akan disegerakan hukumannya di dunia, kalau mengkehendaki kepada hambaNya keburukan, maka ditahan (siksanya) kerana dosanya sampai penuh nanti di hari kiamat.” [Hadits Riwayat Tirmizi, 2396]

4. Banyak Melakukan Maksiat dan Kerusakan

Terutamanya maksiat dan perkara-perkara mungkar yang terang-terang tanpa malu dan segan.

“Allah tidak suka perbuatan orang yang melakukan kerosakan dalam masyarakat.” [Surah Al Baqarah : ayat 205]

“Allah tidak suka para pengkhianat yang banyak berbuat dosa.” [Surah An Nisaa’ : ayat 107]

“… dan (ingatlah) sesiapa yang dihinakan oleh Allah maka dia tidak akan beroleh sesiapa pun yang dapat memuliakannya, sesungguhnya Allah tetap melakukan apa yang dirancangkanNya.” [Surah al-Hajj : ayat 18]

5. Cinta Kepada Dunia dan Hawa Nafsu Lebih Daripada Cinta Kepada Allah dan Rasul-Nya

“Katakanlah: Jika bapa-bapa, anak-anak, saudara-saudara, isteri-isteri kaum keluargamu, harta kekayaan yang kamu usahakan, perniagaan yang kamu khuatiri kerugiannya, dan rumah-rumah tempat tinggal yang kamu sukai, adalah lebih kamu cintai daripada Allah dan Rasul-Nya dan (daripada) berjihad di jalan-Nya, maka tunggulah sampai Allah mendatangkan keputusan-Nya. Dan Allah tidak memberi petunjuk kepada orang-orang yang fasiq.” [Suraah At Taubah : Ayat 24]

“Tidak (sempurna) iman seorang daripada kamu sehingga aku (Muhammad) lebih disayangi daripada hartanya, anaknya dan orang lain.” [Hadits riwayat Bukhari]

“Tidakkah kamu lihat (wahai Muhammad) orang yang menjadikan tuhannya ialah hawa nafsunya, dan Allah sesatkan dirinya padahal dia berilmu…” [Surah Al Jatsiyah : ayat 23]

6. Orang yang Sombong (Takabbur)

“……. Sesungguhnya Allah tidak suka kepada orang-orang yang sombong takabbur dan membangga-banggakan diri.” [Surah An-Nisaa’ : ayat 36]

“Dan janganlah kamu memalingkan mukamu dari manusia (kerana sombong) dan janganlah kamu berjalan di muka bumi dengan angkuh, sesungguhnya Allah tidak menyukai orang-orang yang sombong lagi membanggakan diri.” [Surah Luqman : ayat 18]

“Mahukah kamu aku beritahu tentang penduduk neraka? Mereka semua adalah orang-orang keras lagi kasar, tamak lagi rakus, dan takabbur (sombong).” [HR Bukhari no. 4918 dan Muslim no. 2853]

“Tidak akan masuk syurga seseorang yang di dalam hatinya terdapat kesombongan sebesar biji sawi.” Ada seseorang yang bertanya, “Bagaimana dengan seorang yang suka memakai baju dan selipar yang bagus?”

Beliau S.a.w menjawab, “Sesungguhnya Allah itu indah dan menyukai keindahan. Sombong adalah menolak kebenaran dan merendah-rendahkan orang lain.” [HR Muslim no. 91]

Imam Adz-Dzahabi rahimahullahu berkata, “Kesombongan yang paling buruk adalah orang yang menyombongkan diri di hadapan manusia dengan ilmunya, merasa dirinya besar dengan kemuliaan yang dia miliki. Bagi orang tersebut tidak bermanfaat ilmunya untuk dirinya. Barangsiapa yang menuntut ilmu demi akhirat maka ilmunya itu akan menimbulkan hati yang khusyu’ serta jiwa yang tenang. Dia akan terus mengawasi dirinya dan tidak bosan untuk terus memerhatikannya, bahkan setiap saat dia selalu introspeksi dan meluruskannya. Apabila dia lalai dari hal itu, dia akan menyimpang dari jalan yang lurus dan akan binasa. Barangsiapa yang menuntut ilmu untuk membanggakan diri dan meraih kedudukan, memandang remeh kaum muslimin yang lainnya serta membodoh-bodoh dan merendahkan mereka, maka hal ini merupakan kesombongan yang paling besar. Tidak akan masuk syurga orang yang di dalam hatinya terdapat kesombongan walaupun hanya sebesar dzarrah (biji sawi). Laa haula wa laa quwwata illaa billah.”

7. Orang yang Tidak Tenang dan Sentiasa Resah-gelisah Kerana Dunia

“… dan sesiapa yang Allah kehendaki untuk menyesatkannya, nescaya Dia menjadikan dadanya sesak sempit sesempit-sempitnya, seolah-olah dia sedang mendaki naik ke langit (dengan susah payahnya). Demikianlah Allah menimpakan azab kepada orang-orang yang tidak beriman.” [Surah al-An’aam : ayat 125]

8. Orang yang Menentang Ajaran Islam

Umar ibnu al-Khattab r.a berkata, “Kita dimuliakan Allah dengan Islam dan barangsiapa yang mencari kemuliaan selain dari Islam, maka dia akan dihinakan.” [Ibnu Abdil Birr dalam kitab Al-Mujalasah wa Jawahiril Ilmi, juz II, hlm 273]

“Dan tidaklah layak bagi orang yang beriman sama ada lelaki atau perempuan, apabila telah ditetapkan oleh Allah S.w.t dan RasulNya akan sesuatu perkara, bahawa dia membuat pilihan yang lain selain dari apa yang telah ditetapkan oleh Allah dan RasulNya. Barangsiapa yang mengingkari Allah dan RasulNya maka sesungguhnya dia telah sesat dengan suatu kesesatan yang nyata.” [Surah al-Ahzab : ayat 36]

“Dan hendaklah engkau menjalankan hukum di antara mereka dengan apa yang telah diturunkan oleh Allah dan janganlah engkau menurut kehendak hawa nafsu mereka, dan berjaga-jagalah supaya mereka tidak memesongkanmu dari sesuatu hukum yang telah diturunkan oleh Allah kepadamu. Kemudian jika mereka berpaling (enggan menerima hukum Allah itu), maka ketahuilah, hanyasanya Allah mahu menyeksa mereka dengan sebab sebahagian dari dosa-dosa mereka; dan sesungguhnya kebanyakan dari umat manusia itu adalah orang-orang yang fasiq.” [Surah Al-Ma’idah : ayat 49]

Sumber: islamituindah.com.myAllah Ta’ala berfirman mafhumnya: