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.

Istri Yang Benar-Benar Hebat Itu Ciri-cirinya Seperti 4 Ini! No. 2 Makjleb!!

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Sahabat tolongshareya mungkin didunia ini tentu para lelaki atau suami kelak ingin memiliki seorang istri yang hebat dalam keadaan apapun. Namun tahukah anda para lelaki bahwa setiap wanita muslimah yang sudah menikah sesungguhnya bisa menjadi seorang istri yang hebat. Bagaimanakah sosok istri yang hebat? Berikut adalah Ciri-ciri Istri Yang Hebat disertai contoh-contoh dari shahabiyah. Anda yang belum menikah pun perlu membacanya sebagai bekal berumah tangga.




1. Tak Mudah Panik Saat Menghadapi Masalah

Ciri pertama istri yang hebat adalah tidak mudah panik saat menghadapi masalah. Ummu Sulaim menjadi contoh yang sangat baik dalam hal ini.

Sahabat tolongshareya ummu Sulaim tidak seperti itu. Ia tidak panik. Bahkan saat Abu Thalhah pulang, ia tidak langsung memberitahukan kabar duka itu kepada suaminya. Ia juga tidak menampakkan tanda-tanda kesedihan. Disambutnya sang suami dengan wajah berseri, disiapkan keperluannya, dipersilahkan menghilangkan keletihan dan kepenatannya.

Bahkan Ummu Sulaim malam itu tampil menawan dan melayani Abu Thalhah dengan penuh cinta di peraduan.Saat Abu Thalhah pergi, putra mereka yang bernama Abu Umair meninggal dunia setelah beberapa hari sakit. Istri yang biasa-biasa saja, mungkin ia akan sangat terpukul dan panik. Seperti dialami wanita yang pernah meraung-raung di pemakaman Baqi’ dan dinasehati sabar oleh Rasulullah, namun beliau malah dimarahi.

Selesai bercinta, ketika suasana santai Ummu Sulaim berkata kepada Abu Thalhah. “Seandainya ada seseorang yang meminjamkan sesuatu lalu beberapa waktu kemudian ia mengambil pinjaman itu, apakah engkau akan menolaknya?”

“Tidak”

“Kalau begitu bersabarlah, anak kita telah meninggal dunia”

“Mengapa kau tidak memberitahuku saat aku tiba?” Abu Thalhah sempat marah. Lalu pagi harinya mengadukan kepada Rasulullah. Namun Rasulullah justru memuji Ummu Sulaim dan mendoakan keberkahan atas apa yang mereka lakukan semalam. Kelak, Abu Thalhah dan Ummu Sulaim dikaruniai sembilan anak dan seluruhnya hafal Al Qur’an.

Banyak wanita yang cepat panik saat menghadapi masalah. Listrik mati, panik dan ketakutan. LPG habis, panik takut tidak bisa memasak. Suami terlambat pulang kerja, panik dan marah-marah. Anak jatuh, panik.

Istri yang hebat adalah istri yang tidak mudah panik saat menghadapi masalah. Kesabaran menjadi pondasi ketenangannya dan dengan ketenangan ia bisa berpikir lebih jernih serta mengambil tindakan terbaik atas segala masalah yang dihadapinya. Istri yang tidak mudah panik pada akhirnya akan membuat suami semakin cinta dan keluarga semakin bahagia.

2. Memberi Motivasi Saat Suami Menghadapi Tekanan

Hari itu Rasulullah datang dengan wajah pucat dan tubuh menggigil. Seperti orang ketakutan. “Selimuti aku, selimuti aku,” kata beliau kepada istri tercinta, Khadijah radhiyallahu ‘anha.

“Jangan khawatir wahai suamiku,” kata Khadijah dengan nada meyakinkan, “Berbahagialah, sesungguhnya Allah tidak mungkin menghinakanmu. Selama ini engkau selalu menyambung silaturahim, jujur dalam berbicara, meringankan beban orang yang susah, membantu orang yang lemah, menghormati tamu dan selalu membela kebenaran.”Khadijah segera menyelimuti Rasulullah dan menenangkan beliau. Lalu beliau pun menceritakan apa yang baru saja dialaminya di gua hira; bertemu makhluk yang aneh, mendekapnya hingga sulit bernafas, lalu membacakan beberapa kalimat yang tak lain adalah surat Al ‘Alaq. “Aku sangat ketakutan,” pungkas beliau mengakhiri ceritanya.

Demikianlah ummul mukminin Khadijah radhiyallahu ‘anha. Ia mencontohkan bagaimana menenangkan dan memotivasi suaminya. Atas peran Khadijah, hari-hari pertama suaminya menjadi Nabi berlangsung dengan baik. Atas dukungan dan motivasinya.

Setiap suami pasti pernah mengalami tekanan. Entah tekanan karena pekerjaan, tekanan dalam mualamah, tekanan dalam berinteraksi dengan teman dan kolega, maupun tekanan saat berdakwah. Istri yang hebat adalah istri yang bisa menenangkan dan memotivasi suaminya. Tekanan yang didapat di luar rumah, segera akan ternetralisir di dalam rumah karena bertemu Anda, istrinya tercinta. Stres saat menghadapi masalah di luar rumah segera mengendor di dalam rumah ketika berjumpa dengan Anda, istrinya tercinta.

3. Memberi Inspirasi dan Solusi Saat Suami Menghadapi Masalah

Mayoritas sahabat tidak terima. Mereka pergi ke Makkah berniat untuk berhaji. Namun orang-orang kafir Quraisy menghadang mereka dan membuat perjanjian damai dengan Rasulullah. Salah satu isi perjanjian Hudaibiyah itu adalah mereka tidak bisa berhaji tahun ini. Mereka tidak boleh masuk Makkah.

Untungnya, saat itu beliau membawa Ummu Salamah radhiyallahu ‘anha. Mendapati suaminya ‘bingung’ seperti itu, Ummu Salamah menenangkan beliau dan mengusulkan sebuah ide brilian. “Wahai Rasulullah, jika engkau bertahalul dan memotong hewan qurban, insya Allah mereka akan segera menirumu.”Ketika Rasulullah menyuruh mereka ber-tahalul (memotong rambut) dan menyembelih hewan qurban, mereka diam. Mereka masih marah dan tidak terima dengan keputusan tersebut. Hal itu membuat Rasulullah kecewa. Tidak pernah para sahabat tidak merespon perintah seperti ini.

Rasulullah senang mendengar ide dari istrinya tersebut. Tanpa mengucap perintah apapun, beliau bertahalul dan memotong hewan qurban. Dan benar, para sahabat kemudian ikut bertahalul dan memotong hewan qurban tak lama setelah itu.

Istri yang hebat adalah istri yang bisa mengurai masalah suaminya. Memberinya ide, memberinya inspirasi, membantu menemukan solusi. Bukan sebaliknya malah membuat rumit masalah, membuat pelik persoalan dan menambah ruwet persoalan.

Jika suamimu pulang mengeluhkan pekerjaan, jangan engkau marahi: “Kerja gajinya kecil, selalu ada masalah. Dasar suami bodoh.” Astagfirullah… betapa kacaunya hati suami mendapatkan komentar seperti itu. Lebih baik sambut dengan mesra, siapkah teh manis, dengarkan setiap keluh-nya dan berpikirlah sejernih mungkin seraya berdoa. Semoga engkau seperti Ummu Salamah yang bisa memberikan ide dan inspirasi untuk suami tercinta.

4. Menjadi Pelipur Lara Bagi Suami

Saudah radhiyallahu ‘anha adalah contoh istri yang pandai bercanda dan menghibur suaminya, Rasulullah shallallahu ‘alaihi wasallam. Meskipun usianya tergolong sudah lanjut, beliau sering membuat Rasulullah tersenyum dengan cerita dan kata-katanya.

Ketika usianya semakin lanjut, Saudah memberikan hari gilirannya kepada Aisyah. Beliau tahu bahwa Rasulullah sangat mencintai Aisyah dan beliau ingin menyenangkan hati Rasulullah dan Aisyah. Orang yang paling berbahagia dengan sikap Saudah itu adalah Aisyah.Suatu pagi Saudah bercerita pada Rasulullah, “Wahai Rasulullah, semalam aku ikut shalat di belakangmu. Ketika ruku’, engkau menyenggolku sehingga aku memegang hidungku karena takut mengeluarkan darah.” Seketika Rasulullah tersenyum mendengar penuturan istrinya tersebut.

“Aku tidak pernah menemukan seorang wanita yang lebih kusukai jika diriku menjadi dirinya kecuai Saudah binti Zam’ah,” kata Aisyah, “Seorang wanita yang kekuatan jiwanya luar biasa.”

Istri yang hebat, ia bisa menghibur suaminya. Tidak hanya melalui urusan ranjang, tetapi juga melalui canda-canda berdua. Betapa senangnya suami yang ditemani oleh istri yang periang dan membuatnya tersenyum, di saat dirinya di luar rumah sering berhadapan dengan hal-hal serius yang menguras pikiran dan menguras energi.

5. Jujur dan Minta Maaf Jika Melakukan Kesalahan

Sahabat tolongshareya seorang shahabiyah, bahkan istri Rasulullah pun pernah melakukan kesalahan yang membuat suaminya marah.

Khawatir ketahuan telah membuntuti Rasulullah, Aisyah mempercepat langkahnya hingga tiba di rumah.Malam itu giliran Aisyah radhiyallahu ‘anha. Rasulullah telah melepas baju luarnya dan bersiap tidur. Beliau terlihat tenang seperti orang yang telah tidur. Namun setelah itu beliau kembali memakai bajunya dan pergi keluar. Aisyah yang terkenal sebagai istri Nabi paling pencemburu kemudian mengendap-endap mengikuti beliau dari belakang hingga tampak olehnya Rasulullah masuk ke pemakaman Baqi, berdiri di sana dan berdoa.

“Mengapa nafasmu tersengal-sengal?” tanya Rasulullah.

“Tidak apa-apa ya Rasulullah.”

“Engkau mengatakan kepadaku atau Allah yang akan memberi tahu aku?” mendengar pertanyaan itu, Aisyah menjelaskan bahwa dirinya tadi mengikuti Rasulullah.

Rasulullah sempat agak marah, namun Aisyah segera memakai caranya untuk meminta ridha beliau dan meredam kemarahannya.

Rasulullah tidak jadi marah, justru memberikan banyak pelajaran berharga kepada Aisyah malam itu.

Pernah juga Aisyah, Hafshah dan istri Rasulullah yang lain meminta tambahan nafkah kepada beliau. Padahal berliau tidak lagi mengurusi hal duniawi seperti itu, beliau sangat zuhud dan langsung menyedekahkan apa yang beliau dapatkan. Hanya mengambil secukupnya untuk keluarga. Rasulullah sempat marah ketika itu dan kemudian Allah menurunkan surat Al Ahzab ayat 28-29 yang berisi pilihan apakah mereka mau tetap bersama Rasulullah dalam kesederhanaan atau mau gemerlapnya dunia namun diceraikan oleh Rasulullah. Akhirnya mereka semua bertaubat kepada Allah dan meminta maaf kepada Rasulullah.

Sahabat tolongshareya demikianlah istri yang hebat. Jika ia salah, ia jujur dan mau meminta maaf. Persoalah gengsi dan tidak mau meminta maaf merupakan penyakit berbahaya dalam rumah tangga. Betapa banyak pasangan yang bercerai karena pasangan suami istri sama-sama mengedepankan ego dan gengsinya. Tak ada yang mau mengalah, tak ada yang mau minta maaf meskipun salah.

Istri yang hebat adalah istri yang tidak gengsi untuk minta maaf dan meminta ridha suami, terlebih ketika dirinya sadar bahwa ia baru saja melakukan kekeliruan. Wallahu a’lam bish shawab. Semoga bermanfaat.

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