Technical Indicators

Trend is the most important concept in technical analysis. A trend designates the general direction of a market movement. It is important to identify trends so that you can trade with them rather than against them.

Types of Trend

A trend may be:

• Upward – this is called a Rally ; the market trends the way up
• Downward – this is called a Downtrend ; the market trends the way down
• Sideways / Horizontal – this is called "flat market" or "trendless" ; the market trends nowhere

Trend Lengths

A trend of any direction can be classified according to its length

• Short-term Trend ; it usually lasts no more than three weeks
• Intermediate Trend ; it usually lasts somewhere between 3 weeks to several months
• Long-Term or Major Trend ; it is considered to last for a year or more. It is composed of several intermediate trends, which often move against the direction of the Major Trend

Trendlines

A trendline is a simple charting technique that consists of connecting the significant highs (peaks) or the significant lows (troughs) to represent the trend in the market. These lines are used to clearly show the trend and also help in the identification of trend reversals.
A trendline may be classified as:

• Rising trendline
• Declining trendline
• Sideways trendline

Example:

On the chart below, you can see a representation of a long-term upward trend in the EURUSD, along with a rising trendline.

 

Channels

A price channel is the addition of two parallel trendlines that act as strong areas of support and resistance. One trendline connects a series of price highs while the other connects a series of lows. A channel can slope upward, downward or sideways. Traders expect a given security or currency to trade between the two levels of support and resistance until it breaks beyond one of the levels. They used channel lines to point out where to place "take profit order" and "Stop Loss Order".
You can see below a chart of an upward channel in the S&P 500 Index.

http://www.markets.com/education/technical-analysis/technical-indicators.html

What is Technical Analysis?

Technical analysis is a technique used to forecast the future direction of prices through the study of historical market data, primarily price, volume and open interest.
Technical traders use trading information (such as previous prices and trading volume) along with mathematical indicators to make their trading decisions. This information is usually displayed on a graphical chart updated in real time that is interpreted in order to determine when to buy and when to sell a specific instrument.

Dow Theory

The ideas of Charles Dow, the first editor of the Wall Street Journal, form the basis of modern technical analysis. They are based upon three main premises:

1. The price is a comprehensive reflection of all market forces. At any given time, all market information and forces are reflected in the prices.
2. Prices move in trends that can be identified and turned into profit opportunities.
3. Price movements are historically repetitive.

• Advantages of Technical Analysis It requires much less data than fundamental analysis. From price and volume, a technical trader can obtain all the information he needed.
  As it is focused on identifying trend reversal, the question of timing to enter a trade is easier to address with technical analysis.
  
• Drawbacks of Technical Analysis Technical analysis can become a self fulfilling prophecy. When many investors, using similar tools and following the same concepts, shift together the supply and demand, this can lead to the prices moving in the predicted direction.
  

Technical and/or Fundamental Analysis

Technical Analysis is one of the most significant tools available for forecasting financial market behaviour. It has been proven to be an effective tool for investors and is constantly becoming more accepted by market participants. When used in conjunction with fundamental analysis, technical analysis can offer a more complete valuation, which can make the difference in executing profitable trades.

http://www.markets.com/education/technical-analysis/what-is-technical-analysis.html

MarketGlory Game Description

Market Glory Home Page

Each player from the MarketGlory community has the opportunity to: work, set up companies, run for the government, recommend referrals, gain military ranks and build their own organization.

The road to success in Market Glory is achieved through a personal strategy by each player in the community. There is no time limit, some will reach objectives quicker than others. It is important to be present in MarketGlory and develop something that gives you satisfaction in this game. Success is the result of an activity which is based on action and perseverance. In every field of life, those who do not give up will certainly reach all their goals.
So, success in Market Glory can give you a substantial income in real life.
Money does not bring happiness, but their number does.

Energy

Why is it important to have energy in MarketGlory?
Because:
- Depending on the energy level you receive fight bonuses and referrals;
- Energy is an important factor in calculating productivity;
- Depending on the energy level you get a percentage of your referrals earnings;
- Attack and defense are influenced by the energy level.

Energy increases when goods are consumed. For example, a lower quality food will bring an increase of 1 in your energy level. Also, when you eat a high-quality food you get 5 energy; the quality of the consumed goods is very important in MarketGlory. Energy increases when you eat or you have: coffee, clothes, houses and wine.

How much energy do you get?

Food:
• 1 for lower quality
• 3 for normal quality
• 5 for high quality

Clothes:
• 1 per day for low quality
• 3 per day for normal quality
• 5 per day for high-quality.
Note that clothes last for 10 days.

Coffee:
• 1 for lower quality coffee
• 3 for normal quality coffee
• 5 for high quality coffee

Houses:
• 7 house
• 20 Villa
• 35 Palace


How does energy decrease?

Energy decreases by 5% per hour, by 10% when you work and 2% work when you fight.
A high energy level allows you to earn more, and to receive higher taxes from your referrals activity.
WARNING! It is very important to correlate the costs with the income. It is not a good thing for everyone to have a high energy level.
Energy can reach up to 100.


KNOWLEDGE

Why is it important to have knowledge in Market Glory?
Knowledge is an important factor in calculating productivity.
When buying books, depending on their quality you will get knowledge as follows: Low quality Book = +1 Knowledge, normal quality Book = +3 Knowledge, high quality Book = +5 Knowledge.
Knowledge decreases by 0.2 per day and can reach a maximum level of 1000.


WORK EXPERIENCE

Why is it important to have work experience in Market Glory?

Experience is an important factor in calculating productivity.

It increases each time you work by 0.3 per day. If you work every day, experience will increase. You can buy experience from the country's government to which you belong to with 1 euro for experience point between 1-100 experience, with 0.8 euro between 101-500, with 0.6 euro between 501-1000. Experience decreases in the following way: between 1 and 10 by 0.1 per day, between 11 and 100 to 0.2 per day, between 101 and 500 by 0.4 per day, between 501 and 1000 by 0.6 per day.


PRODUCTIVITY

Why is productivity important in Market Glory?

Productivity is the citizen's ability to produce goods for the companies they work for.

Productivity is calculated using the formula: Energy + Experience + Knowledge / 3.
Energy can increase up to 100.
Experience can increase up to 1000.
Knowledge can grow up to 1000.
Maximum productivity is 700 and according to it, you will receive salary or working bonus. In the working section you will find the level of productivity per hour.

Menus

Home

In the home section you will find the country map, the government budget and the population in your area. Also in this section you can see the bonuses offered by the government.

Fight

In this section there are presented the opponents available for fighting. If you win a battle you will receive the bonus offered by the Government according to the energy you have. Remember that the loser becomes your referral and he will pay you taxes. If you want to be sure that you will not lose that referral, you can lock him for as long as you want.

Work

In this section you can find available jobs. You will receive wages according to productivity. Salary is displayed for one hour, for 100 productivity points. If you have maximum productivity, meaning 700 points, you will receive a salary according to the following formula:
Salary X 8 (8 hours of work) X 7 (700 points for productivity).
If the hourly wage is 5 you will get 5 x 8 x 7 = 280.

Market

In this section you can see all the offers of companies from that country and available for business licensing. Note that the products are sorted by quality.
Raw materials and licenses can be purchased only by companies.

Financial market

In this section you can convert your Euros into any currency available in MarketGlory. Note that in MarketGlory there are over 80 currencies and each country operates its own currency. To buy currency you can click on the image and select the currency you want to buy, then from the "sell" section select the currency you want to sell to buy your currency.
1 euro = 5 gold, 1 gold = 10 lei

MY COMPANIES

In this section you can set up companies and manage your companies. Setting up a company costs 10 euros. You will get a job and a license for 90 days.

My companies - Licenses
In this section you can view what licenses you can purchase for your company. Also, each license is explained in detail, how many productivity points are required, raw materials for the products. When you have a valid license or purchase a license the date this license expires will be displayed.

My companies - upgrade
Firms can be upgraded to produce goods at lower costs and thus your company can be more efficient on the market. There are 5 levels of upgrade:
Upgrade 1 = 10% productivity = 10 euro
Upgrade 2 = 20% productivity = 20 euro
Upgrade 3 = 30% productivity = 40 euro
Upgrade 4 = 40% productivity = 80 euro
Upgrade 5 = 50% productivity = 160 euro

Inventory

In your inventory menu you can view raw material stock, finished products stocks and the costs of their production or acquisition. Also in this section you have the option to put goods on sale to be displayed in the country market where the company is established.

Jobs

In this section you can create new jobs. Creating a new work place costs with 0.25 euro more than the previous. Each job can be administered individually, with the possibility to establish the salary offeredand to suspend or activate a job.
"Work records"
In this section you can view a list of citizens who have worked at your company, the time when they have worked, that they had and also the salary the company has paid to citizen.

"Financial"
Each company has its own budget. In this section you can invest and withdraw money from the company. In the company you can invest and withdraw gold.
After you have invested gold you can change the company in local currency in which the company was founded.
When you withdraw money from the company within the company will buy gold to withdraw gold.
"Finance Transactions"
In this section you have a list of all transactions made by the company.

LICENSES

Each license is valid for 90 days. From the company you can extend the license or buy a new one. Even if a license expires you can still sell products in stock. Each type of company allows specific license purchase.
Licenses for consumer goods are divided into three categories, depending on quality.
In the section market licenses, you can read all the details of licenses, such as productivity needed to produce the good, raw materials necessary for the good and the good quality product. When you purchase a license money will go the country government where the business is created.

BONUSES

Bonuses are offered by the government of the country where you are. In the home section you can see both the country's budget and the number of citizens in the country. Also in the home section there is a list of bonuses offered by the government of your country, description for each bonus and the conditions for getting the bonus: energy for the referral and fight bonus and productivity for work bonus.
Note that there is specified the maximum bonus that can be achieved if you meet the maximum requirements for that bonus.
Example: if you have 1 energy, you will receive 1% of registered government bonus, if you have 100 energy, you will receive 100% of the bonus displayed.
Work bonus is received according to productivity, for example, to receive 10% bonus you will need to have 70 productivity, the maximum productivity being 700. In the productivity section you can see what factors influence it and how you can make them grow.
Note that all bonuses are offered by the country you have citizenship with.

PARTNERS

In this section you can buy MarketGlory game shares.
When the balance reaches 10,000 euros you will receive 1 cent for each share you hold. The moment the balance reaches 10,000 gold you will get 0.01 gold per each share owned. You can sell and buy shares from other players.
Euros are added to the game fund balance when:
• a company is created
• a workplace is created
• a withdrawal from the game is made (20% from the withdrawal)
• a fight is immediately ended
• shares are bought

These appear as negative transactions in fund:
• 10% from the amount invested for the country which holds the citizenship of the citizen who invests in his account
• 10% from the amount invested for one who owns the citizen who has invested in his account
Those negative transactions are covered by the 20% commission applied on the withdrawals from Market Glory account.

Affiliates

In the "affiliates" section you can find your own link that you can send to all your friends. Those who will register on your link will become your referrals.

Referrals:
Below there is a list of your referrals. You win a referral if you challenge an opponent to fight and win the fight. Lose a referral when he loses a fight. Your referrals will pay a fee of 10% of their earnings, according to the energy you have. If you block a referral, it can not be attacked. A user who registers via your affiliate link will become your referral blocked for a period of seven days, then you decide whether to block him or set him free.

GM SHOP

Purchases made by users of GM SHOP Fund will be allocated to GM.
Note that the prices of GM SHOP are 200% higher than the prices of production. GM SHOP products price will change depending on the salaries offered in MarketGlory.


Reports - Transactions
Here is a list of all income and expenses that you make.

Reports - Financial assets
In this section you can view all currencies held.

Government - Accounting
Available currencies in the government fund represent the country current assets. Financial operations in local or foreign currency can be performed only by government members, but all players are able to view the data.
In the list below you will find all currencies held by the government.

Government - Bonuses
In this section you can view bonuses given by the government.

Government - Taxes
This section shows taxes that you pay to the government.

Profile - Inventory
In this section you can view all the property you own. Food is consumed every 6 hours. If you have different food qualities, the first consumed will be the high quality food. Coffee can be consumed when you click on serving coffee. The clothes have a life span of 10 days. The houses have a lifespan of 30 days.

Profile - Settings.
In this section you can modify your password.

Alerts
In this section you will be informed when one of these companies has no raw materials or money to pay salaries.

We appreciate your interest in reading this entire material.

Recommend your referral link to everybody and earn commissions of Market Glory. Exploit all opportunities offered by us and be with us for a long term to benefit in future projects, too.
In life every chance is worth valued at the time. Now you can develop a great opportunity worldwide by Market and Glory and accomplish all your goals. Many people waste their time on the internet without having won anything, here with just a few minutes a day you can manage your business in the Market Glory and increase your income. We do not guarantee that everyone will achieve success, that depends on what strategy each player has in Glory Market. Make sure everything is fair, transparent and with equal opportunities for all players.

We offer support and tools to expand your business globally as much as you wish.

Each person deserves to know the economic strategies to start his own business in Market Glory.
Together we are a team and no matter who you are, where you are from, it matters that we are all a team and enjoy Market Glory.
All people everywhere have the opportunity to enjoy Market Glory and contribute to the development of your system and you can achieve success both in virtual and real life.

Mencari Uang Sambil Bermain Game

Anno1777
Market Glory
Mungkin kalian heran, apa mungkin bermain game bisa menghasilkan uang? Jawabanku iya.! Mungkin bagi kalian yang bermain game seperti Point Blank, Ayo Dance atau Texas Holdem Poker sudah pasti bisa menghasilkan uangnya bila kalian menjual point atau karakter, tapi itu hanya bisa dijual tinggi untuk sekali permainan atau kalian aktif pada game tersebut untuk mendapatkan chip.
Tapi bagaimana bila kalian mendapatkan uang secara terus menerus apabila kalian tidak aktif pada game tersebut, tapi hanya memantau saja?
Permainan seperti Anno1777.com dan MarketGlory bisa menghasilkan uang yang banyak bila kalian mengikuti perang untuk membela suatu negara, atau apabila kalian mendirikan perusahaan untuk menjual barang dan penghasilan tersebut bisa kalian gunakan untuk menukarnya dengan uang asli. Saya pun juga baru mulai memainkan permainan ini, kesan pertama yang saya dapatkan adalah, bagaimana terus bertarung untuk mendapatkan penghasilan, setelah saya cari terus menerus, ternyata kita bisa belajar tentang politik dan keuangan dan bagaiana memanajemen perusahaan.Untuk kalian yang pemula, dan menghabiskan waktu di internet (penjaga warnet cocok untuk hal ini) kalian bisa mengikuti fight secara terus menerus, dan bila waktu kalian habis, pilih work dan pilihlah perusahaan yang memberi gaji tinggi. setelah itu kalian bisa tidur besoknya pun dilanjut. kalau uang belum melebihi 50 IDR, jangan gunakan uang tersebut untuk hal yang tidak perlu, karena harga armor sangat mahal yang bisa digunakan untuk mengikuti war. dan apabila kalian menang, kalian bisa mendapatkan 1 gold. Lumayan untuk mengumpulkan setiap gold supaya kalian bisa mendirikan perusahaan tanpa perlu membeli gold dari user lain. Apabila kalian sudah mendaftar dan bertanya bagaimana bermain permainan ini, saya akan ajak anda ke group facebook. Apabila kalian sudah menjadi referralku. Kalian bisa klik dibawah ini.

Anno1777 atau Market Glory

Sekalian saja mendaftar di Market Glory sebagai selingan selama menunggu waktu habis dalam 10 menit. Selaat mencoba ^_^

Main Macroeconomic Indicators

Macroeconomic indicators are statistics that indicate the current status of the economy of a state depending on a particular area of the economy (industry, labor market, trade, etc.). They are published regularly at a certain time by governmental agencies and the private sector.
Markets.com provides an Economic Calendar for the dates of critical fundamental announcements and events. When properly used, these indicators can be an invaluable resource for any Forex trader.
In truth, these statistics help Forex traders monitor the economy's pulse; thus it is not surprising that these are religiously followed by almost everyone in the financial markets. After publication of these indicators we can observe volatility of the market. The degree of volatility is determined depending on the importance of an indicator. That is why it is important to understand which indicator is important and what it represents.

• Interest Rates Announcement

  Interest rates play the most important role in moving the prices of currencies in the foreign exchange market. As the institutions that set interest rates, central banks are therefore the most influential actors. Interest rates dictate flows of investment. Since currencies are the representations of a country’s economy, differences in interest rates affect the relative worth of currencies in relation to one another. When central banks change interest rates they cause the forex market to experience movement and volatility. In the realm of Forex trading, accurate speculation of central banks’ actions can enhance the trader's chances for a successful trade.
  

• Gross Domestic Product (GDP)

  The GDP is the broadest measure of a country's economy, and it represents the total market value of all goods and services produced in a country during a given year. Since the GDP figure itself is often considered a lagging indicator, most traders focus on the two reports that are issued in the months before the final GDP figures: the advance report and the preliminary report. Significant revisions between these reports can cause considerable volatility.

• Consumer Price Index

  The Consumer Price Index (CPI) is probably the most crucial indicator of inflation. It represents changes in the level of retail prices for the basic consumer basket. Inflation is tied directly to the purchasing power of a currency within its borders and affects its standing on the international markets. If the economy develops in normal conditions, the increase in CPI can lead to an increase in basic interest rates. This, in turn, leads to an increase in the attractiveness of a currency.

• Employment Indicators

  Employment indicators reflect the overall health of an economy or business cycle. In order to understand how an economy is functioning, it is important to know how many jobs are being created or destructed, what percentage of the work force is actively working, and how many new people are claiming unemployment. For inflation measurement, it is also important to monitor the speed at which wages are growing.

• Retail Sales

  The retail sales indicator is released on a monthly basis and is important to the foreign exchange trader because it shows the overall strength of consumer spending and the success of retail stores. The report is particularly useful because it is a timely indicator of broad consumer spending patterns that is adjusted for seasonal variables. It can be used to predict the performance of more important lagging indicators, and to assess the immediate direction of an economy.

• Balance of Payments

  The Balance of Payments represents the ratio between the amount of payments received from abroad and the amount of payments going abroad. In other words, it shows the total foreign trade operations, trade balance, and balance between export and import, transfer payments. If coming payment exceeds payments to other countries and international organizations the balance of payments is positive. The surplus is a favorable factor for growth of the national currency.

• Government Fiscal and Monetary policy

  Stabilization of the economy (e.g., full employment, control of inflation, and an equitable balance of payments) is one of the goals that governments attempt to achieve through manipulation of fiscal and monetary policies. Fiscal policy relates to taxes and expenditures, monetary policy to financial markets and the supply of credit, money, and other financial assets.

Conclusion: There are many economic indicators, and even more private reports that can be used to evaluate the fundamentals of forex. It's important to take the time to not only look at the numbers, but also understand what they mean and how they affect a nation's economy.

Source: http://www.markets.com/education/fundamental-analysis/main-economic-indicators.html

What is Fundamental Analysis?

Fundamental analysis is a method that attempts to predict the intrinsic value of an investment. It is based on the theory that the market price of an asset tends to move towards its 'real value' or 'intrinsic value'.
Fundamental analysis in Forex entails predicting the price valuation of a currency and its market trends by analyzing current economic conditions, government policy and societal factors within a business cycle framework. Forex Traders gauge a country's economic state by examining macroeconomic indicators covering:

• Interest Rates Announcement
• Gross Domestic Product (GDP)
• Consumer Price Index (Inflation) and Spending Indicators
• Employment Indicators
• Retail Trade and Consumer Confidence
• Balance of Trade Surplus or Deficit
• Government Fiscal and Monetary Policy

Visit our economic indicators page and learn more about the different indicators and their impacts on the markets.

Fundamental Analysis Benefits

Determining the intrinsic value of an investment

Identifying long-term investment opportunities

Fundamental Analysis Drawbacks

Too many macroeconomic indicators and indicator can confuse novice investors

Source: http://www.markets.com/education/fundamental-analysis/what-is-fundamental-analysis.html

Trading Orders

Forex and CFD Trading Orders

There are various types of orders which a trader can use to trade Forex and CFDs. Below we outline the different order types: Market Order, Stop-Loss / Limit Orders, Entry Orders, Trailing Stop-Loss Orders and One-Cancels-the-Other Orders.


Market Order
A market order is an order to buy or sell at the current ask or bid price quoted on the market. The buy order may be to initiate a new position or liquidate a previous sell position. The sell order may be to initiate a new position or liquidate a previous buy position.

Here is an example of a market order. The current market price – in this case, for buying US Dollars (Ask price) - is 1.0555 and for selling US Dollars (Bid price) is 1.0551.

 Stop-Loss / Limit Orders

Stop-Loss and Limit orders are protective orders that close an open position or future position under certain conditions, namely price.

Stop-Loss Orders are used to limit trader's losses if the market moves against their position. The trader sets the maximum amount (in terms of pips) that he is willing to lose on a certain trade. When that specified price is reached, the trade is executed.

Conversely, Limit Orders are used to lock in the trader's profit if the market moves favorably. The trader sets in advance the price at which he wants to close his position.

In the example below, a trade was opened at the market price of 1.0561(buying order). According to the stop-loss order, the position will be closed if and when the price falls to 1.0553. According to the take-profit order, the position will be closed if and when the price hits 1.0565.

 Entry Orders

These types of orders open a new position only if the market reaches a price specified by the trader.

Entry orders are divided into two varieties: Entry Limit Orders and Entry Stop Orders.


Entry Limit Orders – Entry limit orders are orders that are placed by traders to enter the market at a more favorable price than the current price. When Buying a currency pair or a CFD, a Entry Limit order will be placed below the current market price. When Selling, a limit entry order will be placed above the current market price.
When placing Entry Limit Orders, the trader expects that the market price will bounce back after reaching the level at which the entry limit order was placed.

For example:

The USD/CAD trades at 1.0547 / 1.0551. Here, you expect the pair to trend higher, but prefer going long at a better price – you expect the price to go down to 1.0525 before it continues going up. You then place an entry limit buy order of 1 lot (5,000 USD/CAD) at 1.0525. When the rate reaches 1.0525, the limit order will be executed and 1 lot of USD/CAD will be bought at 1.0525.

Entry Stop Orders – Entry stop orders are orders that are being placed by traders to enter the market at a less favorable price than the current price. A BUY Entry Stop order will be placed above the current market price. When A SELL Entry Stop order will be placed below the current market price.
When placing Entry Stop Orders, the trader expects that once the market's momentum breaks through the specified price, the trend's movement is confirmed and will continue in that direction.

For example:

 One-Cancels-the-Other Orders (OCO)

OCO orders are combined orders with both a stop price and a limit price. When one of the orders is executed, the other is automatically cancelled. OCO orders can be applied to open positions, or they can be used to open a new position.

Say for example a trader believes that the USD/CAD, currently traded at 1.0548/1.0552, will continue trending higher; you believe that should the pair break above 1.0560, it will rise to at least 50 pips. Nevertheless, you expect that prior to this major incline, the pair will retrace to 1.0544. You can place an entry limit at 1.0544, but in case the pair does not hit 1.0544 before climbing higher, you would miss the trade. You then place an OCO order to buy the USD/CAD if it reaches 1.0544 or 1.0560. Of the two, the first bid price to exist in the market will trigger the order:

 Stop and limit orders entered on an existing position are also types of OCO orders. When either the stop or the limit is executed, the other is automatically canceled.

Trading Terms

FX & CFD Trading Terminology

Forex and CFD investing is just like any endeavor, where preparation is a valuable instrument. Understanding and familiarizing yourself with terminology is valuable asset for any trader.
Quote An indicative market price, when used in Forex, refers to the prevailing exchange rate of the quoted currency at that moment. A quote will always be for a currency pair; for example EUR/USD, AUD/JPY or USD/JPY. The first currency in the pair is the quoted currency, while the second currency is referred to as the counterpart.
A currency pair is usually quoted to a 1/10,000 degree of precision (i.e. until the 4th digit right of the decimal point); except for Japanese yen pairs, where quotes are usually made to 1/100 degree of precision (i.e. to the second digit right of the decimal point).
A quote will always be provided in a form of two figures. The first figure is always the Bid or selling price, while the second is the Ask or buying price.
For example:

FX & CFD Trading Terminology

Forex and CFD investing is just like any endeavor, where preparation is a valuable instrument. Understanding and familiarizing yourself with terminology is valuable asset for any trader.

• Bid/Ask The Bid or the selling price is the exchange rate at which a currency is offered for sale. The Ask or buying price is the exchange rate at which a currency can be bought.
  In the example above the EUR/USD pair (Euro vs. US dollar) is quoted at 1.5034/1.5037. In other words, the quote for the EUR/USD pair is 1.5034/1.5037, where 1.5034 is the Bid price and 1.5037 is the Ask price. Meaning if you wish to sell the quoted currency – in this case the Euro – then you would receive 1.5034 US Dollars per 1 Euro. On the other hand, if you were buying the quoted currency, then the quote tells you that to buy Euros for US dollars, you would need to pay 1.5037 dollars per 1 euro.
  
• Lot A lot is the standard unit size of a transaction. It represents the minimum quantity which can be traded in any given instrument.
  For Forex Trading, Markets.com standard lot size is 1,000 units of the quoted currency.
  For CFD Trading, the standard lot size varies from 1 to 500 units of the quoted CFD.
  
• Pip This is the smallest value in a currency quote and can be different for different currencies. For most currency pairs a pip is the 1/10,000 (0.0001) fraction of the quoted currency. However, in Japanese yen pairs, a pip refers to a 1/100 (0.01) fraction of the quoted currency.
  Profits on a trade can be expressed in pips, for example: Suppose you bought the EUR/USD at an exchange rate of 1.5016 and sold it at an exchange rate of 1.5037. 37-16=21. You made a 21 pip profit.
  
• Pip Value The pip value can be either variable or fixed, depending on the currency pair it refers to and the base currency (i.e. measuring currency) of your account. The pip value is also a function of the amount traded.
  The simplest way to calculate the pip value is to divide 1 pip by the exchange rate and multiply it by the lot size. This gives you the pip value in terms of the quoted currency. If the base currency of your account is other than the quoted currency, then simply multiply this by the applicable exchange rate.
  For example: What is the pip value of a trade in GBP/JPY with a price of 128.92? The pip value of 1 standard lot (5,000) of GBP/JPY which is traded at 128.92 is:
  0.01/128.92 = 0.00007756 GBP
  0.00007756 x 5,000=0.387 GBP
  The base currency of your account is USD. If the exchange rate for GBP/USD is 2.0612, then the pip value for 1 standard lot in terms of the account's base currency is: 0.387x 2.0612 = $0.80.
  
• Spread This is the difference between the bid price and the ask price. For example: If the quote for the EUR/USD pair is 1.5034/1.5037 (in other words the bid price is 1.5034 and the ask price is 1.5037), then the spread for the EUR/USD in this case is 3 pips. Low spreads ensure that traders can get in and out of their trades at very low slippage.
  
• Margin The amount of funds required to open or maintain a position. It is usually expressed as a percentage of the open position. You may have a margin requirement of 0.5%, which would mean that in order to hold a position of 100,000 EUR/USD, an equity level of 500 euros or more must be maintained.
  
• Leverage This is the use of borrowed capital to increase potential return. Trading on leveraged capital means that you can trade amounts significantly higher than the balance of your funds, which only serves as the margin. High leverage can significantly increase the potential return, but it can also significantly increase potential losses. The leverage is specified as a ratio, such as 200:1. This means that the trader can trade amounts 200 times higher than the sum in his or her margin account. If the trader has $1,000 in his account, it means that he can now open trades worth $200,000.
  
• Interest In a sense, interest is the price of money. It is the amount paid on loans and received on deposits.
  
• Long A trader going long expects the price to go up when buying a currency pair or a CFD.
  
• Short A trader going short expects the price to go down when selling a currency pair or a CFD.
  
• Value date The date on which counterparts to a financial transaction agree to settle their respective obligations, i.e., exchanging payments.
  
• Rollover Process where the settlement of a deal is rolled forward to another value date and a charge is levied based on the difference in rates of interest of the two currencies. Every day, at 21:00GMT, open positions are rolled over to the next day and the positions gain or lose interest based on the interest differential between the bought and sold currencies.
  If you buy overnight a currency pair where the base currency has a higher interest rate than the terms currency, then you’ll receive interest and vice versa.
  

CFD Trading Examples

ompiled below are several CFD trading examples. Please note that these are just examples; be aware that trading Forex and Contracts for Difference (CFDs) – like online futures trading – is speculative and involves significant risk.

Assumptions

You funded your Markets.com Trading Account with a $2,000 initial deposit.
You are considering investing in the US Equity Market and below are the trading conditions of some US Equity CFD Indices:

Instrument Name	Contract Size	Leverage (Approximately)
S&P 500	1	100:1
DJ 30	1	100:1

USD interest rate is charged at 4.0%.
CFD Positions left open overnight incur a financing charge against the whole amount of the position at a rate of +/ -1.5%.

DAY 1 - Friday, July 3.

The US Non-Farm Payroll numbers come out worse than expected – unemployment rate is rising. This causes US stock markets to fall 2%.
You believe that stock market losses are overdone and that upcoming corporate earnings numbers will be better than expected, and decide now is a good time to go long on the US stock market. You decide that the S&P 500 CFD is your best choice since it encompasses a wide group of market leading companies, and buy 100 lots at $874.25.
Since you have bought 100 lots, an increase of 1 point in the S&P 500 index from 874.25 to 875.25 will earn a profit of $100, while a drop of 1 point from 874.25 to 873.25 will incur a loss of $100.
+ Opened Position: Buy 100 S&P Lots at 874.25 (Total purchase amount = $87,425)
+ Client Account Report

Balance (USD)	Equity (USD)	Lots Open #	Used Margin (USD)	Usable Margin (USD>
$2,000	$2,000	100	$874.25	$1,125.75

1. Balance = Deposit ($2,000) + Sum of Realized Profit & Loss ($0) = $2,000
2. Equity = Balance ($2,000) + Sum of Unrealized Profit & Loss ($0) = $2,000
3. # Lots open = # lots S&P 500 CFD purchased = 100 lots
4. Used Margin = # Lots open (100) x Value of one lot ($874.25) x Margin (1%) = $874.25
5. Usable Margin = Equity ($2,000) – Used Margin ($874.25) = $1,125.75

DAY 4 - Monday, July 6.

Your Assumptions are correct and corporate profits are better than expected as US companies were able to boost their earnings by cutting their expenses. On the next trading day, the S&P rallies over 3% to $901.50 where you close your position by selling your CFDs.
+ Closed Position: Sell 100 S&P Lots at 901.50 (Total sale amount = $90,150)
+ P&L Report:

Open Long Position	$87,425	= 100 S&P lots bought at 874.25 (Total purchase amount = $87,425) on Friday, July 3
Starting Value	$87,425
Overnight Financing	$26	1 lot of S%P 500 is $874.25 Financing Charge: 4.0% + 1.5% = 5.5% Daily interest charge: [874.25 x (4.0% + 1.5%)]/360 = $0.13, i.e 13 cents per lot each day Total interest charge:$0.13 x 100 lots x 2 days = $26
Sales Proceeds	$90,150	= 100 S&P lots sold at 901.5 on Monday, July 6.
Net Cost	$26	= Interest paid to maintain the CFD long position that was opened
Profit on Trade	$2,699	= Sale proceeds - Starting Value - Overnight financing = $90,150 - $87,425 - $26 = $2699

DAY 6 - Wednesday, July 8.

Two days later, more poor economic data is published in the US and market sentiment turns negative. To capitalize on the downward correction in stocks, you decide to sell (go short) the Dow Jones (DJ 30) with the aim of buying it back cheaper in the short-term. On July 8, you sell 5 Lots of DJ 30 at a price of $8,180.00.
Since you have sold 5 Lots, every drop of one point in the DJ 30 will earn you $5, and every increase of one point will cost you $5.
+ Opened Position: Sell 5 Lots of DJ 30 at $8,180.00 (Total sale amount = $40,900)

DAY 7 - Thursday, July 9.

Again, your strategy succeeds. Overnight the market drops lower and the next day, July 9, you buy back the 5 Lots of DJ 30 at $8,150, making a gross profit of $150 (5 lots x $30).
+ Closed Position: Buy 5 Lots of DJ 30 at $8,150 (Total purchase amount = $40,750)
+ P&L Report:

Open Sell Position	$40,900	= 5 DJ 30 lots sold at $8,180 (Total sale amount = $40,900) on Wednesday, July 8.
Starting Value	$40,900
Overnight Financing	$2.85	1 lot of DJ 30 is $8,180 Financing Charge: 4.0% - 1.5% = 2.5% Daily interest received: [$8,180 x (4.0% - 1.5%)]/360 = $0.57, i.e 57 cents per lot each day. Total interest received: $0.57 x 5 lots x 1 day = $2.85
Purchase Amount	$40,750	= 5 DJ lots bought at $8,150 on Wednesady, July 9.
Profit on Trade	$152.85	= Starting Value - Purchase Amount + Overnight Financing = $40,900 - $40,750 + $2.85 = $152.85

PLEASE NOTE: the exact amount of interest to debit/ credit may vary each day depending on changes in any of the following factors: the underlying instrument price, central bank rates, margin rates and the individual CFD portfolio.

Source: http://www.markets.com/education/cfd-education/cfd-trading-examples.html

CFD Terms

What is a CFD?

A CFD is a Contract agreed between you and your broker to exchange, at the closing of the contract, the Difference in price between the opening and closing price of the underlying instrument.
This means that in CFD dealing, you do not physically buy or hold the underlying asset; you trade a contract whose value captures every change of the price of the underlying asset.

How does a CFD work?

• Margin
  CFDs are dealt on a margin basis and you secure the transaction by paying a deposit. This means that when you open a position, you do not have to pay for its full value. Instead, you put up a deposit from 1% to 2% (depending on the contract’s margin requirement), which enables you to trade up to 100 times your initial capital (leverage of up to 100:1).
  You are required to keep funds in your account to cover the transaction amount of each CFD and any associated costs if the price moves unfavorably. The margin requirement must be maintained to keep your position open. Should the equity value of the account drop below the minimum margin requirement, additional funds must be added.
  
• Trading and Pricing CFDs are traded in units that vary depending on the CFD itself. For example:
  
  • Oil is traded in barrels (bbl)
  • Wheat is traded in bushels (bu)
  • Coffee is traded in pounds (lb)
  All units are set to a standardized quantity known as a “lot”. A lot represents the minimum quantity, which can be traded in any given instrument.
  CFDs are quoted as seen in the underlying market. So for example, stock indices and commodities are quoted and traded in their base currency. The FTSE100 CFD is quoted in Pounds and the S&P500 in Dollars.
  
• Overnight Interest adjustments When you leave a CFD position opened overnight, you pay or receive daily interest adjustments depending on whether you have a long or a short position. These adjustments represent the financing fees for Markets.com to maintain your position opened.
  The Markets.com Financing Charge is 1.5% and overnight interest adjustments are calculated in accordance with the following formula:
  Overnight rollover = (Interest Rate Differential – Financing Charge)/36000 x Base Value x Units per Lot x Relevant Exchange Rate.
  
• Expiration of underlying instrument (Roll Overs) Unless otherwise specified, the underlying instrument of a CFD has an expiration date. However, you should be aware that CFDs are not traded up until the exact expiration date of the underlying instrument. Instead, CFDs are rolled over to the next underlying Future Price during the last weekend (before the official expiration day). This is known as the expiration rollover.
  If there would be any substantial price difference between the two Futures, an adjustment will be Credited or Debited from the balance of your account subject to the open position amount of the expiring CFD. This Adjustment will show up in your account under Rollover Charge and will not affect the real value of your Equity.
  However, you should be aware that the switch between the two Future prices of the underlying CFD could involve a substantial price difference. Therefore, Entry Orders might be filled on Market rates rather then on the predefined rates.
  If you do not want to incur the price adjustment or any implication of the underlying CFD rollover, you can close your position(s) and/or cancel Orders before the rollover date and open a new position afterwards. Markets.com, at its best effort, will inform customers about any projected expiration of instruments by Popup, email, or through the site.
  Example:
  A Markets.com Client's Account is long 10 Dax 30 Futures CFDs at 5,700.
  The price of the current Dax 30 Futures CFD (Expiry Dec 09) is EUR 5,710, making the client a profit of EUR 100 (10 lots x EUR 10).
  The price of the next contract (Expiry Mars 10) is EUR 5,720, i.e. + EUR 10 over current month.
  When Markets.com roll over to the next month's contract:
  The price feed is changed to new contract; the client's open position will now show a profit of EUR 200 (10 lots x [5,720-5,700]).
  But the Client's Account will be debited EUR 100 to compensate for changes in P/L due to the roll.
  The net financial effect of the roll-over is zero.
  
  Source: http://www.markets.com/education/cfd-education/cfd-terms.html
  

CFD Trading Conditions

CFD Trading

CFD (Contracts for Difference) offers leveraged long/short trading on almost every financial instrument. It is a simple and inexpensive trading option to trade the change of price in multiple commodity and equity markets, with leverage, no commission and immediate execution.
Markets.com offers a wide range of CFDs giving you access to commodity markets - such as Oil, Agriculture and Precious Metals – and worldwide equity markets indices – such as FTSE 100, Dow Jones 30, S&P 500 and Hong Kong Hang Seng Index.

COMMODITIES	INDICES
Gold	Nasdaq
Oil	Dow Jones 30
Silver	S&P 500
Sugar	CAC 40
Corn	DAX 30
Wheat	FTSE
Soybean	NIKKEI

For a complete list of indices and commodities offered by Markets.com, please visit the CFD Trading Conditions page.

Why trade CFDs with Markets.com?

• Product Diversity: Markets.com offers CFD trading on the world’s leading stock indices, as well as on Oil, Gold and other Commodities. Such a diverse array of products allows you to easily gain exposure to different markets and profit from multiple types of trading conditions.
• Low Margin Requirements: At Markets.com you are able to trade CFDs with margins between 1% - 2% (which means leverage of up to 100:1). This enables you to take gain bigger positions than you would be able to if you bought the actual underlying asset.
• High Liquidity: All Markets.com CFDs offer competitive spreads with bid/ask quotes that are filled on the spot – without delay.
• Lot Size: CFD trading enables you to trade in small and odd size lots. Normally, this is not possible when dealing with the underlying asset itself.
• No Commission: Markets.com offers commission-free CFD trading. Furthermore, Markets.com offers free intra-day trading – positions that are opened and closed on the same day incur no costs whatsoever.
• Ability to trade "Long" or "Short": With CFD Trading, you can profit no matter which way the market moves. You can use CFD to go “short” (when you believe markets will fall) as easily as to go "long" (when you expect prices to be on the rise).

To learn more about how market movement can potentially influence your CFD trading activities, please visit the CFD Trading Examples page.

Sources: http://www.markets.com/education/cfd-education/what-is-cfd.html

Forex Trading Examples

Compiled below are Forex trading examples. Please note that these are just examples; be aware that trading Forex is speculative and involves significant risk.

USD/CHF Trading Example

An investor deposit $10,000 in a Markets.com Trading Account.
The account is set to 0.5% margin or 200:1 Leverage. This means that for every $ 5,000 lot opened, the investor must maintain at least $25 in Margin (= $5,000 x 0.5%).
The investor expects the US dollar to rise against the Swiss franc and therefore decides to buy $ 100,000 of the USD/CHF pair.

Day 1 – USD/CHF Quotes = 1.0147-1.0150

The market quotes USDCHF 1.0147-1.0150. The investor buys USD at 1.0150 against CHF.
By doing this, he commits in the simultaneous buying of USD 100,000 (20 lots at $5,000) and the selling of CHF 101,500 (= $100,000 x 1.0150) by using $500 as a Margin (= $100,000 x 0.5%) and borrowing USD 99,500 from Markets.com (= $100,000-$500)

• Transaction Flows Report - Day 1
  

  Account Name	Credit/Debit	Day 1	Comment
  USD Account	C	USD +100,000	$100,000 Investment
  CHF Account	D	CHF -101,500	# lots (20) x lot value ($5,000) x USDCHF Quote (1.0150)

• Client Account Report – Day 1
  

  Balance (USD)	Equity (USD)	Lots Open #	Used Margin (USD)	Usable Margin (USD)
  $10,000	$10,000	20	$500	$9,500
  (1)	(2)	(3)	(4)	(5)

(1) Balance = Deposit ($10,000) + Sum of Realized Profit & Loss ($0) = $10,000
(2) Equity = Balance ($10,000) + Sum of Unrealized Profit & Loss ($0) = $10,000
(3) # Lots open = Investment ($100,000) / Value of one lot ($5,000) = 20 lots
(4) Used Margin = # Lots open (20) x Value of one lot ($5,000) x Margin (0.5%) = $500
(5) Usable Margin = Equity ($10,000) – Used Margin ($500) = $9,500

Day 2-USD/CHF Quotes = 1.0300-1.0303

• The US dollar has risen and the USD/CHF quotes 1.0300-1.0303.
  The investor decides to take his profit and enters a sell market order in the Market trading platform. The order is executed instantaneously and the investor sells 20 lots of USDCHF at 1.0300.
  By doing this, he commits in the simultaneous selling of USD 100,000 (20 lots at $5,000) and the buying of CHF 103,000 (= $100,000 x 1.0300).
  

• Transaction Flows Report - Day 2
  

  Account Name	Credit/Debit	Day 1	Day 2	Comment
  USD Account	D	USD +100,000	USD -100,000	Sell # lots (20) x lot value ($5,000)
  CHF Account	C	CHF -101,500	CHF +103,000	Buy # lots (20) x lot value ($5,000) x USDCHF Quote (1.0300)

The dollar side of the transaction involves a credit and a debit of USD 100,000, the investor's USD account will show no change. The CHF account will show a debit of CHF 101,500 and a credit of CHF 103,000. This results in a profit of CHF 1,500 = approx. USD 1,456 (= CHF 1,500 / 1.0303) which represents a 14.56% profit on the deposit of USD 10,000.

• Client Account Report– Day 2 (AFTER TRADE EXECUTION)
  

  Balance (USD)	Equity (USD)	Lots Open #	Used Margin (USD)	Usable Margin (USD)
  $11,456	$11,456	0	$0	$11,456
  (1)	(2)	(3)	(4)	(5)

(1) Balance = Deposit ($10,000) + Sum of Realized Profit & Loss ($ 1,456)= $11,456
(2) Equity = Balance ($11,456) + Sum of Unrealized Profit & Loss ($0) = $11,456
(3) All positions are closed, therefore # Lots open = 0
(4) Used Margin = # Lots open (0) x Value of one lot ($5,000) x Margin (0.5%) = $0
(5) Usable Margin = Equity ($11,456) – Used Margin ($0) = $11,456
Note: For simplicity's sake, we have disregarded the effect of difference in interest rate between USD and CHF over the 2-day period which would have marginally altered the profit calculation.

Source: http://www.markets.com/education/forex-education/forex-trading-examples.html

Forex Market Players

Forex Market

The Forex market is an international over-the-counter market (OTC). It means that it is a decentralized, self-regulated market with no central exchange or clearing house, unlike stocks and futures markets. This structure eliminates fees for exchange and clearing, thereby reducing transaction costs.
The Forex OTC market is formed by different participants – with varying needs and interests – that trade directly with each other. These participants can be divided in two groups: the interbank market and the retail market.

The Interbank Market

The interbank market designates Forex transactions that occur between central banks, commercial banks and financial institutions.

• Central Banks - National central banks (such as the US Fed and the ECB) play an important role in the Forex market. As principal monetary authority, their role consists in achieving price stability and economic growth. To do so, they regulate the entire money supply in the economy by setting interest rates and reserve requirements. They also manage the country's foreign exchange reserves that they can use in order to influence market conditions and exchange rates.
  
• Commercial Banks - Commercial banks (such as Deutsche Bank and Barclays) provide liquidity to the Forex market due to the trading volume they handle every day. Some of this trading represents foreign currency conversions on behalf of customers' needs while some is carried out by the banks' proprietary trading desk for speculative purpose.
  
• Financial Institutions - Financial institutions such as money managers, investment funds, pension funds and brokerage companies trade foreign currencies as part of their obligations to seek the best investment opportunities for their clients. For example, a manager of an international equity portfolio will have to engage in currency trading in order to buy and sell foreign stocks.
  

The Retail Market

The retail market designates transactions made by smaller speculators and investors. These transactions are executed through Forex brokers who act as a mediator between the retail market and the interbank market. The participants of the retail market are hedge funds, corporations and individuals.

• Hedge Funds - Hedge funds are private investment funds that speculate in various assets classes using leverage. Macro Hedge Funds pursue trading opportunities in the Forex Market. They design and execute trades after conducting a macroeconomic analysis that reviews the challenges affecting a country and its currency. Due to their large amounts of liquidity and their aggressive strategies, they are a major contributor to the dynamic of Forex Market.
  
• Corporations - They represent the companies that are engaged in import/export activities with foreign counterparts. Their primary business requires them to purchase and sell foreign currencies in exchange for goods, exposing them to currency risks. Through the Forex market, they convert currencies and hedge themselves against future fluctuations.
  
• Individuals - Individual traders or investors trade Forex on their own capital in order to profit from speculation on future exchange rates. They mainly operate through Forex platforms that offer tight spreads, immediate execution and highly leveraged margin accounts.
  
  Source: http://www.markets.com/education/forex-education/forex-market-players.html
  

What Is Forex?

History

Forex, or FX, is a shortened term that describes the Foreign Exchange Market, a marketplace where the world's various currencies are traded. It is an interbank market which was created in 1971 when international trade transitioned from fixed to floating exchange rates. As a result of its incredible volume and fluidity, the FX market has become the largest and most significant financial market in the world.
Here are some unique characteristics that are the source of its success:

• Forex markets operate 24 hours a day
• Superior liquidity: the daily turnover of the FX market – over 4 Trillion Dollars – makes it easy to trade most currencies instantaneously
• You can profit from rising or falling markets
• You can benefit from leveraged trading with low margin requirements
• There are standard instruments available to help you control risk exposure
• Excellent Transparency: the Forex Market is transparent… you just need to keep yourself informed

The Exchange Rate

Forex plays the indispensable role of determining global exchange rates. The exchange rate is the number of units of one nation’s currency that must be exchanged in order to acquire one unit of another nation’s currency. A market exchange rate between two currencies is determined by the interaction of the official and private participants in the foreign exchange rate market.

Market Participants

The main participants in the Forex market are: central banks, commercial banks, financial institutions, hedge funds, commercial companies and individual investors. The main reasons they participate in the Forex market are:

1. Profit from fluctuations in currency pairs (speculating)
2. Protection from fluctuating currency pairs which is derived from trading goods and services (Hedging)

With technological development, the World Wide Web has become a great trading facilitator, as it can provide individual investors and traders with access to all the latest Forex news, technology and tools.

Source: http://www.markets.com/education/forex-education/what-is-forex.html

Air Bisa Mendengar

Dan Kami ciptakan dari air segala sesuatu yang hidup.” (Q.S. Al Anbiya:30) Dalam kitab-kitab tafsir klasik, ayat tadi diartikan bahwa tanpa air semua akan mati kehausan. Tetapi di Jepang, Dr. Masaru Emoto dari Universitas Yokohama dengan tekun melakukan penelitian tentang perilaku air. Air murni dari mata air di Pulau Honshu didoakan secara agama Shinto, lalu didinginkan sampai -5oC di laboratorium, lantas difoto dengan mikroskop elektron dengan kamera kecepatan tinggi. Ternyata molekul air membentuk kristal segi enam yang indah. Percobaan diulangi dengan membacakan kata, “Arigato (terima kasih dalam bahasa Jepang)” di depan botol air tadi. Kristal kembali membentuk sangat indah. Lalu dicoba dengan menghadapkan tulisan huruf Jepang, “Arigato“. Kristal membentuk dengan keindahan yang sama. Selanjutnya ditunjukkan kata “setan”, kristal berbentuk buruk. Diputarkan musik Symphony Mozart, kristal muncul berbentuk bunga. Ketika musik heavy metal diperdengarkan, kristal hancur. Ketika 500 orang berkonsentrasi memusatkan pesan “peace” di depan sebotol air, kristal air tadi mengembang bercabang-cabang dengan indahnya. Dan ketika dicoba dibacakan doa Islam, kristal bersegi enam dengan lima cabang daun muncul berkilauan. Subhanallah. Dr. Emoto akhirnya berkeliling dunia melakukan percobaan dengan air di Swiss, Berlin, Prancis, Palestina, dan ia kemudian diundang ke Markas Besar PBB di New York untuk mempresentasikan temuannya pada bulan Maret 2005 lalu. Ternyata air bisa “mendengar” kata-kata, bisa “membaca” tulisan, dan bisa “mengerti” pesan. Dalam bukunya The Hidden Message in Water, Dr. Masaru Emoto menguraikan bahwa air bersifat bisa merekam pesan, seperti pita magnetik atau compact disk. Semakin kuat konsentrasi pemberi pesan, semakin dalam pesan tercetak di air. Air bisa mentransfer pesan tadi melalui molekul air yang lain. Barangkali temuan ini bisa menjelaskan, kenapa air putih yang didoakan bisa menyembuhkan si sakit. Dulu ini kita anggap musyrik, atau paling sedikit kita anggap sekadar sugesti, tetapi ternyata molekul air itu menangkap pesan doa kesembuhan, menyimpannya, lalu vibrasinya merambat kepada molekul air lain yang ada di tubuh si sakit. Tubuh manusia memang 75% terdiri atas air. Otak 74,5% air. Darah 82% air. Tulang yang keras pun mengandung 22% air. Air putih galon di rumah, bisa setiap hari didoakan dengan khusyu kepada Allah, agar anak yang meminumnya saleh, sehat, dan cerdas, dan agar suami yang meminum tetap setia. Air tadi akan berproses di tubuh meneruskan pesan kepada air di otak dan pembuluh darah. Dengan izin Allah, pesan tadi akan dilaksanakan tubuh tanpa kita sadari. Bila air minum di suatu kota didoakan dengan serius untuk kesalehan, insya Allah semua penduduk yang meminumnya akan menjadi baik dan tidak beringas. Rasulullah saw. bersabda, “Zamzam lima syuriba lahu”, “Air zamzam akan melaksanakan pesan dan niat yang meminumnya”. Barangsiapa minum supaya kenyang, dia akan kenyang. Barangsiapa minum untuk menyembuhkan sakit, dia akan sembuh. Subhanallah. Pantaslah air zamzam begitu berkhasiat karena dia menyimpan pesan doa jutaan manusia selama ribuan tahun sejak Nabi Ibrahim a.s. Bila kita renungkan berpuluh ayat Al Quran tentang air, kita akan tersentak bahwa Allah rupanya selalu menarik perhatian kita kepada air. Bahwa air tidak sekadar benda mati. Dia menyimpan kekuatan, daya rekam, daya penyembuh, dan sifat-sifat aneh lagi yang menunggu disingkap manusia. Islam adalah agama yang paling melekat dengan air. Shalat wajib perlu air wudlu 5 kali sehari. Habis bercampur, suami istri wajib mandi. Mati pun wajib dimandikan. Tidak ada agama lain yang menyuruh memandikan jenazah, malahan ada yang dibakar. Tetapi kita belum melakukan zikir air. Kita masih perlakukan air tanpa respek. Kita buang secara mubazir, bahkan kita cemari. Astaghfirullah.

Awal Sejarah Penemu Sikat Gigi

Tahukah Anda bahwa kebiasaan membersihkan gigi telah dimulai ribuan tahun yang lalu oleh bangsa Babilonia ? Sejarah mencatat bahwa pada tahun 3500 SM, bangsa Babilonia kuno telah menggunakan chewingstick (rempah yang dikunyah) untuk membersihkan gigi mereka. Tidak hanya bangsa babilonia, orang Asia dan Afrika juga menggunakan chewingstick untuk membersihkan gigi mereka. Orang Asia dan Afrika biasanya menggunakan ranting, akar atau bagian pohon yang telah diuapi untuk dikunyah. Orang-orang Cinalah yang dipercaya menggunakan sikat gigi untuk pertama kalinya pada tahun 1400-an. Pada saat itu sikat gigi dibuat dengan menggunakan bulu landak yang ditancapkan di sebatang tongkat bambu atau tulang binatang seukuran pensil. Sedangkan penemu konsep sikat gigi modern seperti yang kita gunakan saat ini adalah seorang narapidana Inggris bernama William Addis di dalam penjara. Dia menggunakan tulang yang dilubangi kecil-kecil, kemudian mengisinya dengan bulu binatang yang didapat dari penjaga penjara. Agar tidak mudah lepas, William mengelem bulu-bulu itu menjadi satu. Berkat temuannya ini William Addis menjadi seorang jutawan begitu keluar dari penjara. Hingga tahun 1930-an, orang-orang masih menggunakan tulang dan bulu binatang sebagai bahan utama sikat gigi. Sikat gigi diproduksi massal menggunakan tulang ternak dan bulu babi hutan yang hidup di daerah Siberia dan Cina. Sayangnya bulu-bulu ini dinilai tidak efisien dan higienis. Tidak jarang bulu-bulu itu jatuh ketika orang sedang menyikat gigi mereka. Sebagai pengganti tulang dan bulu, sikat gigi berbulu nilon diproduksi pertamakalinya oleh sebuah perusahaan Amerika bernama Du Pont pada tahun 1938. Kini kita bisa menemukan sikat gigi dengan berbagai bentuk dan ukuran di warung-warung kelontong dekat rumah. Ada yang memiliki kepala sikat besar, ada yang berbulu sikat zig-zag, dan ada pula sikat gigi elektronik yang memanfaatkan tenaga baterai. Beruntunglah kita yang hidup di jaman ini, karena kita tidak perlu menggunakan sikat gigi berbulu landak. Perkembangan I 1. Dari ranting pohon Sikat gigi yang tercatat pertama dalam sejarah adalan pada tahun 3000 SM. Pada masa itu, ranting tanaman-tanaman tertentu digunakan untuk membersihakan gigi. Hal ini dipraktekkan oleh bangsa Romawi dari Yunani Kuno. Mereka mengunyah sebatang ranting dengan ukuran kira-kira sebesar pensil sampai ujungnya lunak, lalu menggunakannya untuk menggosok gigi. Ranting yang digunakan dipilih dengan hati-hati, dan dipilh berdasarkan aromanya. Ranting-ranting wangi tadi selain membersihkan juga memberi kesegaran pada mulut. Pada tahun 570-632 Masehi, Nabi Muhammad SAW mempelopori penggunaan ranting atau akar pohon siwak untuk membersihakan gigi. Selain itu orang India menggunakan jenis ranting berbeda yang sering mereka sebut daatun, sejenis pohon mahogany. Tulisan pertama yang memuat tentang sikat gigi ini berasal dari sastra Cina pada tahun 1600 SM. 2. Awalnya pakai tulang Uniknya, bentuk sikat gigi yang seperi ini ditemukan oleh seorang napi. William Addis, pria asal Inggris ini ditangkap karena menjadi penyebab kerusuhan. Saat dipenjara dia merasa bahwa bentuk sikat gigi saat itu yang menggunakan kain kasar yang sudah diolesi garam dan karbol pada gigi, masih bisa dikembangkan. Dia lalu mencari sebuah tulang kecil, dan membuat lubang ditengahnya. Beberapa helai bulu kasar dikaitkan jadi satu lalu dimasukkan ke dalam lubang tadi dan di lem. Dari penemuan inilaih akhirnya William memproduksi sikat gigi secara besar-besaran pada tahun 1780, dan sangat laku di masyarakat. Namun, hak paten untuk sikat gigi pertama kalinya dimilki oleh H.N Wadsworth pada tahun 1852 di Amerika. Sikat gigi ciptaannya juga terbuat dari tulang yang diberi lubang dan menggunakan bulu babi. Sayangnya bulu ini bukanlah pilihan yang sempurna, karena mengandung bakteri, susah kering, dan bulu-bulunya mudah lepas. Walaupun praktek sikat gigi sudah ada sejak jaman dulu, namun kebiasaan ini baru dianggap penting di masa Perang Dunia ke II. Pada masa itu para prajurit wajib sikat gigi, dan meneruskan kebiasaan ini saat pulang pada keluarga mereka. 3. Plastik dan Nilon Pada tahun 1937 nilon ditemukan oleh Wallace H.Carothers di Du Pont Laboteries, Nemour Amerika. Penemuan nilon ini langsung memicu perubahan bahan yang digunakan untuk dijadikan sikat gigi pada tahun 1938. Gagang tulangnya pun diganti dengan menggunakan plastic yang sudah ditemukan beberapa waktu sebelumnya. Tahun 1959 dalam acara Asosiasi Dokter Gigi Amerika, sebuah perusahaan bernama Brostol-Myers Company memperkenalkan The Broxodent, sikat gigi elektrik pertama. Sejak itu perkembangan sikat gigi elektrik pun semakin pesat. Beberapa perusahaan diantaranya adalah General Elektric yang membuat sikat gigi elektrik dengan menggunakan baterai yang bsia diisi ulang pada tahun 1961. Dan ditahun 1987, Interplak membuat sikat gigi elektrik yang bisa bergerak sendiri dan diberi nama interplak. Perkembangan II Dibenua eropa, sikat gigi diperkenalkan pertama kali oleh william Addis, seorang Napi asal ingris. Ketika itu, ia mengisi waktu luangnya di penjara dengan memanfaatkan barang bekas yang ada di sekitarnya. Salah satunya ia mencoba dengan tulang sisa makanan para napi. Dengan menggunakan bulu sikat rambut milik sipir penjara, dia yang menciptakan sikat gigi modern. Pada tahun 1780 degan jenis gagang yang lebih bagus ia memasarkan sikat gigi secara masal.

SUSAH TIDUR PERTANDA SUDAH MULAI TERKENA PENYAKIT PIKUN

Ada banyak penyebab orang susah tidur, mulai dari stres hingga kondisi badan yang sedang tidak sehat. Sedangkan menurut penelitian terbaru, susah tidur juga menunjukkan bahwa seseorang akan mengalami pikun lebih cepat dari orang lain. Bukan cuma susah untuk jatuh tertidur, orang yang punya risiko pikun lebih cepat juga cenderung tidak nyenyak tidurnya. Dalam semalam, orang itu bisa terbangun beberapa kali sehingga kualitas tidurnya lebih buruk dibandingkan dalam kondisi sehat. Jenis kepikunan yang berhubungan dengan pola tidur menurut penelitian di Washington University ini adalah Alzheimer. Pada gangguan ini, kesehatan mental seseorang berada dalam kondisi normal namun menunjukkan gejala penuaan dini pada otak misalnya mudah lupa. Untuk mengamati hubungannya dengan pola tidur, para ilmuwan mengamati 100 relawan berjenis kelamin laki-laki dan perempuan dengan rentang usia 45 hingga 80 tahun. Seluruh relawan belum pikun, namun 50 persen di antaranya punya riwayat pikun di keluarganya. Selama 14 hari, pola tidur seluruh partisipan diamati oleh para peneliti. Segala jenis keluhan yang berhubungan dengan tidur dicatat dengan sangat rinci, termasuk keluhan susah untuk jatuh tertidur dan seberapa sering terbangun di tengah malam. Selain itu, para partisipan juga menjalani pemindaian otak untuk melihat adanya endapan plak amiloid. Plak tersebut merupakan salah satu pertanda awal gangguan Alzheimer, yang mulai terbentuk kurang lebih 10 atau 15 tahun sebelum mulai pikun. Hasil pengamanatan menunjukkan, partisipan yang tidurnya tidak nyenyak cenderung punya endapan plak amiloid lebih banyak. Artinya kemungkinan untuk pikun karena Alzheimer lebih besar dan bisa menyerang pada usia yang lebih muda dari yang lain. "Kami menemukan jika orang yang terbangun hingga lebih dari 5 kali tiap jam, maka orang itu punya penyakit Alzheimer preklinis atau belum tampak gejalanya," kata Yo-El Ju, MD yang memimpin penelitian itu seperti dikutip dari WebMD, Rabu (15/2/2012). Penelitian itu juga mengungkap, 50 persen partisipan menghabiskan lebih dari 15 persen waktunya di tempat tidur untuk gelisah dan tidak benar-benar tidur. Partisipan berada di tempat tidur rata-rata 8 jam dalam semalam, namun hanya 6,5 jam yang dipakai untuk benar-benar tidur. (Sumber: Detik.com)

Tips Praktis Menyadap SMS Dari HP Orang Lain

Tips Praktis Menyadap SMS Dari HP Orang Lain




saya akan memberikan anda beberapa tips trik rahasia untuk menyadap sms nomer teman anda. Biasanya, trik ini digunakan para detektif tuk mensadap HP seseorang. Baik itu SMS maupun Telepon. ( kok saya bisa tahu trik ini?) Tetapi saya hanya akan menjelaskan kepada anda cara menyadap sms. Menakutkan bila menyadap/sadap telepon.


Artikel ini hanya sebagai hiburan saja. Jangan memakainya dengan maksud jahat karena perbuatan dosa anda akan sangat besar.Tujuannya, supaya kita bisa setia dengan pacar kita, tidak ada yg berani selingkuh, dan supaya tidak ada teman kita yang menghianati kepercayaan. Kalo saya se..buat adek saya aja, soalnya dia nakal dan suka boong lwt sms. Anda mau tahu kan caranya? setelah anda tahu rahasia ini, anda wajib komentar lo..


Tentu saja ada persyaratan yg harus dipenuhi :


1.Dilarang Memakai ini untuk perbuatan lainnya kecuali untuk hiburan
2.HP adalah HP symbian. Baik HP anda maupun HP teman anda.
3.Merek NOKIA
4.Memiliki aplikasi simbyan smsanywherelite.sis


Nah..persyaratan itu harus anda lakukan sebelum anda mensadap sms. Hp anda harus symbian dan nokia ( kalo bisa). dan hp teman anda yang akan disadap juga symbian dan nokia. (promosi nokia ni). Kalo ga punya nokia, jangan teruskan baca artikel ini karena besar kemungkinan akan gagal. Ikuti instruksi berikut ini untuk menyadap dan sadap sms hp :


1.Download sms anywherelite.sis untuk software menyadap
2.Masukkan aplikasi symbian itu di HP anda dan teman anda
3.Begitu aplikasi ini diinstal, kamu tidak bisa melihat program maupun ikon aplikasi itu dalam ponsel. Seluruh pengontrolannya harus lewat sms, mulai dari pengaktifan dan mematikan program, mengubah password, hingga pengiriman sms ke ponsel lain. Tapi justru itu keuntungannya jika digunakan sebagai alat sadap. Berarti sang target kan tidak tahu kalau diponselnya telah dipasangi aplikasi tersebut. Justru itu, teman anda tidak akan tahu kan kalo smsnya disadap? Karena aplikasi symbian ini belum mendukung GUI (Graphics User Interface).
4.Siapkan hp/ponsel korban anda
5.Siapkan HP anda yang akan menerima sms masuk dari korban anda.
6.Aktifkan aplikasi ini di ponsel korban kamu dengan mengetik format sms -[SA(spasi)(password)(spasi) ON ]-. Panjang password maksimal 8 karakter. Misal, jika password kamu adalah 123456, ketikkan SA 123456 ON kirim sms ini ke nomor ponsel kedua/ponsel kamu. Untuk mematikannya, ketik SA 123456 OFF ke nomor yang sama.
7.Lalu, jika anda ingin menyadap lebih dari 5 hari..atau setiap sms masuk di hp korban akan selalu diteruskan ke hp anda, ketik sms ini di hp korban anda : SA(spasi)(password)(spasi)R1, misal SA 1234567 R1. Untuk mematikan fungsi ini ganti parameter di belakang "R" menjadi nol. Jadi, tuliskan SA 1234567 R0. Sedangkan untuk meneruskan setiap sms keluar, kirim sms bertuliskan SA 1234567 S1 ke nomer kamu. Matikan fungsi ini dengan mengirim SMS SA 1234567 S0
8.Sekarang, setiap korban menerima dan mengirim sms..kamu akan mendapat terusannyasama persis dengan sms aslinya


Dengan begini, kita akan tahu mana pacar kita yang selingkuh..mana teman yang berkhianat dan lainnya. Semoga bermanfaat!

mengembalikan Facebook yang di Hack ( kena Hack)

Facebook temen2 kena hack?!! bagaimana caranya membuka Facebook yang terkena Hack / di Hack oleh orang yang tak bertanggung jawab atau para hacker-hacker yang bersaing untuk merusak dunia Informatika tanpa pandang bulu!!! Penasaran gimana caranya… Mau!! ga usah pusing, Stress, bimbang, binun ato yang ada kaitanya sama penyakit depresi!! nih saya akan memberitahu caranya.. langsung aja yach….. - Buka URL dibawah ini: http://www.facebook.com/help/contact.php?show_form=account_hacked - Isikan form tersebut, kalau sudah selesai klik Kirim - dalam beberapa hari akan ada balasan dari pihak Facebook melalui email, mungkin anda harus sering cek email anda untuk konfirmasi. selamat mencoba :) mungkin untuk saat ini trik ini masih berlaku atau tidak saya belum tahu,, jadi carilah referensi lain untuk mencoba trik lain, atau buat teman2 bloger yang tau caranya,, silahkan share caranya di komentar ini,, terimakasih :)

CEGAH INFEKSI BAKTERI PADA SUSU FORMULA

Kompas.com - Keberadaan bakteri dalam susu formula bukanlah hal baru di kalangan peneliti pangan. Keterkaitan antara bakteri susu formula dengan penyakit pada bayi telah diidentifikasi sejak tahun 1983.

Yang perlu diketahui adalah susu formula mau pun makanan bayi bukanlah produk steril. Karena itulah susu harus diseduh dengan air matang bersuhu minimal 70 derajat celcius serta dikonsumsi segera setelah dicairkan.

Setelah heboh dengan bakteri E.sakazakii di Indonesia, kini orangtua di Amerika Serikat dibuat cemas dengan kasus cemaran Cronobacter sakazakii dalam susu formula yang beredar di sana.

Untuk mencegah terjadinya kontaminasi bakteri pada susu formula, ada beberapa langkah yang bisa kita lakukan, seperti yag dipaparkan oleh Pusat Pengendalian dan Pencegahan Penyakit (CDC), AS berikut ini:

* Gunakan air panas untuk membuat susu bayi dari susu bubuk formula. Panas air harus mencapai 158 ° F (70 ° C)

* Jika memungkinkan, jangan menggunakan susu bubuk. Anda bisa menggunakan susu formula cair yang biasanya lebih steril.

* Ikuti instruksi pembuatan susu sebagaimana tertera dalam kemasan.

* Buanglah susu formula jika Anda tidak segera meminumnya dalam waktu 24 jam setelah dipersiapkan.

Sementara itu Lorry Rubin, kepala penyakit menular di Cohen Children's Medical Center, New York mengatakan, hal terpenting yang harus para orang tua ketahui adalah, bagaimana dapat mempersiapkan susu formula dengan benar.

Gelas dan botol harus dibersihkan dan disterilkan dan air harus direbus dan didinginkan sebelum menambahkan susu bubuk formula. "Jika Anda mencoba menghangatkan atau salah dalam penyajiannya, bakteri dapat berkembang biak dan Anda memiliki risiko lebih tinggi untuk mendapatkan sakit," jelasnya.