/** * General Functions * */ defined( 'ABSPATH' ) || exit; // Exit if accessed directly /** * Get the components of theme mobile header */ if( ! function_exists( 'tie_mobile_header_components' ) ) { function tie_mobile_header_components( $area ){ $mobile_header_components = array( 'menu' => tie_mobile_menu_icon(), 'search' => ' '. esc_html__( 'Search for', TIELABS_TEXTDOMAIN ) .' ', 'skin' => ' '. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .' ', ); // Login and user account if( is_user_logged_in() ){ ob_start(); tie_login_form(); $login_form = ob_get_clean(); $current_user = wp_get_current_user(); $mobile_header_components['login'] = ' '. get_avatar( $current_user->ID, apply_filters( 'TieLabs/Login/avatar_size', 30 ) ) .' '. esc_html__( 'Your Profile', TIELABS_TEXTDOMAIN ) .'
'. $login_form .'
'; } else { $mobile_header_components['login'] = ' '. esc_html__( 'Log In', TIELABS_TEXTDOMAIN ) .' '; } // WooCommerce Cart if ( TIELABS_WOOCOMMERCE_IS_ACTIVE ){ $mobile_header_components['cart'] = tie_component_button_cart(); } // BuddyPress if ( TIELABS_BUDDYPRESS_IS_ACTIVE ){ $mobile_header_components['bp_notifications'] = tie_component_button_bp_notifications(); } // Check the active components $components = array(); foreach ( $mobile_header_components as $key => $html ) { if( tie_get_option( 'mobile_header_components_'.$key ) == $area ){ $components[ $key ] = '
  • '. $html .'
    • '; } } // $components = apply_filters( 'TieLabs/Mobile/Header/Components', $components, $area ); if( ! empty( $components ) ){ echo '
    '; echo ''; echo '
    '; } // If Header layout is centered we need to place the div even if it is empty || FLEX elseif ( tie_get_option( 'mobile_header' ) == 'centered' ) { echo '
    '; } return false; } } /** * Mobile Menu icon */ if( ! function_exists( 'tie_mobile_menu_icon' ) ) { function tie_mobile_menu_icon(){ if( ! tie_get_option( 'mobile_header_components_menu' ) ){ return false; } $menu_icon = tie_get_option( 'mobile_menu_icon', 1 ); $class = 'tie-mobile-menu-icon '; if( is_numeric( $menu_icon ) ){ $class .= "nav-icon is-layout-$menu_icon"; } else{ $class .= "tie-icon-$menu_icon"; } $class_wrapper = tie_get_option( 'mobile_menu_text' ) ? 'menu-text-wrapper' : ''; $mobile_icon = ''; $mobile_icon .= ''; if( tie_get_option( 'mobile_menu_text' ) ){ $mobile_icon .= ''. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .''; } else{ $mobile_icon .= ''. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .''; } $mobile_icon .= ''; return $mobile_icon; } } /** * Mobile Header Components Main area */ if( ! function_exists( 'tie_mobile_header_components_area_1' ) ) { add_action( 'TieLabs/Logo/before', 'tie_mobile_header_components_area_1' ); function tie_mobile_header_components_area_1(){ tie_mobile_header_components( 'area_1' ); } } /** * Mobile Header Components */ if( ! function_exists( 'tie_mobile_header_components_area_2' ) ) { add_action( 'TieLabs/Logo/after', 'tie_mobile_header_components_area_2' ); function tie_mobile_header_components_area_2(){ tie_mobile_header_components( 'area_2' ); } }/** * Filters * */ defined( 'ABSPATH' ) || exit; // Exit if accessed directly class TIELABS_FILTERS { /** * Runs on class initialization. Adds filters and actions. */ function __construct() { // Add Support for Shortcodes in the terms descriptions add_filter( 'term_description', 'do_shortcode' ); add_action( 'init', array( $this, 'init_hook' ) ); add_action( 'init', array( $this, 'redirect_random_post' ) ); add_action( 'wp_head', array( $this, 'meta_description' ) ); add_action( 'wp_head', array( $this, 'meta_generator' ) ); add_action( 'wp_head', array( $this, 'x_ua_compatible' ) ); add_action( 'wp_footer', array( $this, 'footer_inline_scripts' ), 999 ); add_action( 'wp_footer', array( $this, 'footer_misc' ) ); add_action( 'wp_footer', array( $this, 'popup_module' ) ); add_action( 'comment_class', array( $this, 'is_avatar_enabled' ) ); add_filter( 'pre_get_posts', array( $this, 'search_filters' ) ); add_filter( 'pre_get_posts', array( $this, 'category_posts_order' ) ); add_filter( 'TieLabs/cache_key', array( $this, 'cache_key' ) ); add_filter( 'widget_tag_cloud_args', array( $this, 'tag_widget_limit' ) ); add_filter( 'widget_title', array( $this, 'tagcloud_widget_title' ), 10, 3 ); add_filter( 'login_headerurl', array( $this, 'dashboard_login_logo_url' ) ); add_filter( 'login_head', array( $this, 'dashboard_login_logo' ) ); add_filter( 'get_the_archive_title', array( $this, 'archive_title' ), 15 ); add_filter( 'wp_link_pages_args', array( $this, 'pages_next_and_number' ) ); add_filter( 'excerpt_more', array( $this, 'excerpt_more' ) ); add_filter( 'get_the_excerpt', array( $this, 'post_excerpt' ), 9 ); add_filter( 'has_post_thumbnail', array( $this, 'has_post_thumbnail' ) ); add_filter( 'post_thumbnail_html', array( $this, 'default_featured_image' ), 10, 5 ); add_filter( 'TieLabs/exclude_content', 'TIELABS_HELPER::strip_shortcodes' ); add_filter( 'wp_get_attachment_image_src', array( $this, 'gif_image' ), 10, 4 ); add_filter( 'wp_get_attachment_image_attributes', array( $this, 'small_thumb_image_class' ), 10, 3 ); add_filter( 'TieLabs/Primary_Category/custom', array( $this, 'yoast_seo_primary_category' ) ); // Translations if( tie_get_option( 'translations' ) ){ add_filter( 'gettext', array( $this, 'theme_translation' ), 10, 3 ); } if( tie_get_option( 'translation_numbers' ) ){ add_filter( 'get_the_date', array( $this, 'translate_numbers' ), 55 ); add_filter( 'get_comment_date', array( $this, 'translate_numbers' ), 55 ); add_filter( 'get_comment_time', array( $this, 'translate_numbers' ), 55 ); add_filter( 'comments_number', array( $this, 'translate_numbers' ), 55 ); add_filter( 'wp_list_categories', array( $this, 'translate_numbers' ), 55 ); add_filter( 'TieLabs/number_format', array( $this, 'translate_numbers' ), 55 ); add_filter( 'TieLabs/post_date', array( $this, 'translate_numbers' ), 55 ); add_filter( 'TieLabs/reading_time', array( $this, 'translate_numbers' ), 55 ); add_filter( 'TieLabs/post_views_number', array( $this, 'translate_numbers' ), 55 ); add_filter( 'TieLabs/Social_Counters/number', array( $this, 'translate_numbers' ), 55 ); add_filter( 'TieLabs/Weather/number', array( $this, 'translate_numbers' ), 55 ); } } /** * init_hook */ function init_hook(){ /*if( current_user_can( 'manage_options' ) ){ add_filter( 'the_content', array( $this, 'shortcodes_notice' ) ); } */ //WordPress doesn't recognize it as RTL language because there is an error in the main translation file of the Sindhi language! if( get_locale() == 'snd' && ! is_rtl() ){ global $wp_locale; $wp_locale->text_direction = 'rtl'; } } /** * Add notice for the shortcodes plugin */ function shortcodes_notice( $content ){ // Don't show the message if this is excerpt OR backend OR AMP if( is_admin() || ( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ) || in_array( 'parse_request', $GLOBALS['wp_current_filter'] ) || in_array( 'get_the_excerpt', $GLOBALS['wp_current_filter'] ) ){ return $content; } $message = ''; // Timetable and Event Schedule Plugin if( ! TIELABS_MPTIMETABLE_IS_ACTIVE ){ if( strpos( $content, '[mp-timetable' ) !== false ){ $message .= TIELABS_HELPER::notice_message( sprintf( esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ), 'Timetable and Event Schedule', '', '' ), false ); } } // Contact Form 7 Plugin if( ! class_exists( 'WPCF7' ) ){ if( strpos( $content, '[contact-form-7' ) !== false ){ $message .= TIELABS_HELPER::notice_message( sprintf( esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ), 'Contact Form 7', '', '' ), false) ; } } // Return the content with message return apply_filters( 'TieLabs/shortcodes_check', $message, $content ) . $content; } /** * x_ua_compatible */ function x_ua_compatible(){ echo ''; } /** * meta_escription */ function meta_description(){ // Return if the description option is disabled or the Yoast SEO or Rank Math SEO plugins are active if( ! tie_get_option( 'post_meta_escription' ) || class_exists( 'WPSEO_Frontend' ) || class_exists( 'RankMath' ) ){ return; } // Single Page doesn't have a builder if( is_singular() && ! TIELABS_HELPER::has_builder() ){ $post = get_post(); if( ! empty( $post->post_content ) ){ $description = apply_filters( 'TieLabs/exclude_content', $post->post_content ); } } // Archives elseif( get_the_archive_description() ){ $description = get_the_archive_description(); } // Default if( empty( $description ) ){ $description = get_bloginfo( 'description' ); } if( ! empty( $description ) ){ $description = strip_tags( strip_shortcodes( $description ) ); echo ' '; } } /** * Theme translations */ function theme_translation( $translation, $text, $domain ){ if( $domain == TIELABS_TEXTDOMAIN || $domain == 'amp' ){ $translations = tie_get_option( 'translations' ); if( ! empty( $translations ) ){ // To minimize the calls of sanitize_title $sanitize_text = sanitize_title( htmlspecialchars( $text ) ); if( ! empty( $translations[ $sanitize_text ] ) ){ return htmlspecialchars_decode( $translations[ $sanitize_text ] ); } } } return $translation; } /** * Add the inline scripts to the Footer */ function footer_inline_scripts(){ // Check if we are in an AMP page if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){ return; } // Print the inline scripts if the BWP is active if( ! empty( $GLOBALS['tie_inline_scripts'] ) && TIELABS_HELPER::is_js_minified() ){ echo ''; } } /** * Add Misc Footer Conetnt */ function footer_misc(){ // Check if we are in an AMP page if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){ return; } // Custom Footer Code if ( tie_get_option( 'footer_code' ) ){ echo do_shortcode( apply_filters( 'TieLabs/footer_code', tie_get_option( 'footer_code' ) ) ); } // Reading Position Indicator if ( tie_get_option( 'reading_indicator' ) && is_single() && ! tie_get_option( 'autoload_posts' ) ){ echo '
    '; } // Live Search if( tie_menu_has_search( 'top_nav', true ) || tie_menu_has_search( 'main_nav', true ) || ( tie_get_option( 'mobile_header_components_search') && tie_get_option( 'mobile_header_live_search') ) ){ echo '
    '; } // Scrollbar - Used to get the default scrollbar width. echo '
    '; // Facebook buttons echo '
    '; } /** * Add the Popup module to the footer */ function popup_module(){ // Check if we are in an AMP page if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){ return; } TIELABS_HELPER::get_template_part( 'templates/popup' ); } /** * Add an extra class to the comment item if the avatar is active */ function is_avatar_enabled( $classes ){ if( is_array( $classes ) && get_option( 'show_avatars' ) ){ $classes[] = 'has-avatar'; } return $classes; } /** * Exclude post types and categories From Search results */ function search_filters( $query ){ if( is_admin() || isset( $_GET['post_type'] ) ){ return $query; } if( is_search() && $query->is_main_query() ){ // Exclude Post types from search if ( ($exclude_post_types = tie_get_option( 'search_exclude_post_types' )) && is_array( $exclude_post_types ) ){ $args = array( 'public' => true, 'exclude_from_search' => false, ); $post_types = get_post_types( $args ); foreach ( $exclude_post_types as $post_type ){ unset( $post_types[ $post_type ] ); } $query->set( 'post_type', $post_types ); } // Exclude specific categoies from search if ( tie_get_option( 'search_cats' ) ){ $query->set( 'cat', tie_get_option( 'search_cats' ) ); } } return $query; } /** * Change the posts order in the category page */ function category_posts_order( $query ){ if( ! is_admin() && is_category() && $query->is_main_query() ){ $current_category = get_queried_object(); if( ! empty( $current_category->term_id ) ){ $posts_order = tie_get_category_option( 'posts_order', $current_category->term_id ); // Posts Order if( ! empty( $posts_order ) ){ if( $posts_order == 'views' && tie_get_option( 'tie_post_views' ) ){ // Most Viewd posts $query->set( 'orderby', 'meta_value_num' ); $query->set( 'meta_key', apply_filters( 'TieLabs/views_meta_field', 'tie_views' ) ); } elseif( $posts_order == 'popular' ){ // Popular Posts by comments $query->set( 'orderby', 'comment_count' ); } elseif( $posts_order == 'title' ){ $query->set( 'orderby', 'title' ); $query->set( 'order', 'ASC' ); } else{ $query->set( 'orderby', $posts_order ); } } } } return $query; } /** * Random Article */ function redirect_random_post(){ if( wp_doing_ajax() ){ return; } if( isset( $_GET['random-post'] ) && ( tie_get_option( 'top-nav-components_random' ) || tie_get_option( 'main-nav-components_random' ) ) ) { $args = array( 'posts_per_page' => 1, 'orderby' => 'rand', 'fields' => 'ids', 'no_found_rows' => true, 'ignore_sticky_posts' => true, ); $random_post = new WP_Query ( $args ); while ( $random_post->have_posts () ){ $random_post->the_post(); wp_redirect( get_permalink() ); exit; } } } /** * Widgets Small Image Class * * By default WordPress uses 2 classes attachment-{size} size-{size} * we need to add a general class doesn't linked with the thumb name */ function small_thumb_image_class( $attr, $attachment, $size = false ) { if( ! empty( $size ) && $size == TIELABS_THEME_SLUG.'-image-small' ){ $attr['class'] .= ' tie-small-image'; } return $attr; } /** * Gif images */ function gif_image( $image, $attachment_id, $size, $icon ){ if( ! tie_get_option( 'disable_featured_gif' ) ){ $file_type = ! empty( $image[0] ) ? wp_check_filetype( $image[0] ) : false; if( ! empty( $file_type ) && $file_type['ext'] == 'gif' && $size != 'full' ){ $full_image = wp_get_attachment_image_src( $attachment_id, $size = 'full', $icon ); // For the avatars we need to keep the original width and height if( ! empty( $full_image ) && in_array( 'get_avatar', $GLOBALS['wp_current_filter'] ) ){ $full_image[1] = $image[1]; $full_image[2] = $image[2]; } return $full_image; } } return $image; } /** * Modify Excerpts */ function post_excerpt( $text = '' ){ $raw_excerpt = $text; if ( '' == $text ){ //$text = get_the_content( '' ); // Causes issues with the new Posts List Blocks $_post = get_post(); $text = ! empty( $_post->post_content ) ? $_post->post_content : ''; $text = apply_filters( 'TieLabs/exclude_content', $text ); /** * If images with class wp-image-{ID} exists in the conetnt, WordPress make a DB request to get andd add the srcset * Since we are in excerpt we don't need that, Great affect on archives pages */ $text = str_replace( 'wp-image-', 'tie-image', $text ); $text = strip_shortcodes( $text ); $text = apply_filters( 'the_content', $text ); $text = str_replace( ']]>', ']]>', $text ); $excerpt_length = apply_filters( 'excerpt_length', 55 ); $excerpt_more = apply_filters( 'excerpt_more', ' ' . '[…]' ); $text = wp_trim_words( $text, $excerpt_length, $excerpt_more ); } return apply_filters( 'wp_trim_excerpt', $text, $raw_excerpt ); } /** * Global Cache Key */ function cache_key( $key ){ return 'tie-cache-'. TIELABS_HELPER::get_locale() . $key; } /** * Change the number of tags in the cloud tags */ function tag_widget_limit( $args ){ if( isset($args['taxonomy']) && $args['taxonomy'] == 'post_tag' ){ $args['number'] = 18; } return $args; } /** * Remove the default Tag CLoud titles if the title field is empty */ function tagcloud_widget_title( $title = false, $instance = false, $id_base = false ){ if( $id_base == 'tag_cloud' && empty( $instance['title'] ) ){ return false; } return $title; } /** * Custom Dashboard login URL */ function dashboard_login_logo_url(){ if( tie_get_option( 'dashboard_logo_url' ) ){ return tie_get_option( 'dashboard_logo_url' ); } } /** * Custom Dashboard login page logo */ function dashboard_login_logo(){ if( tie_get_option( 'dashboard_logo' ) ){ echo ''; } } /** * Remove anything that looks like an archive title prefix ("Archive:", "Foo:", "Bar:"). */ function archive_title( $title ){ if ( is_category() ) { return single_cat_title( '', false ); } elseif ( is_tag() ) { return single_tag_title( '', false ); } elseif ( is_author() ) { return '' . get_the_author() . ''; } elseif ( is_post_type_archive() ) { return post_type_archive_title( '', false ); } elseif ( is_tax() ) { return single_term_title( '', false ); } return $title; } /** * Add Number and Next / prev multiple post pages */ function pages_next_and_number( $args ){ if( $args['next_or_number'] == 'next_and_number' ){ global $page, $numpages, $multipage, $more; $args['next_or_number'] = 'number'; $prev = ''; $next = ''; if ( $multipage && $more ){ $i = $page - 1; if ( $i && $more ){ $prev .= _wp_link_page($i); $prev .= $args['link_before']. $args['previouspagelink'] . $args['link_after'] . ''; } $i = $page + 1; if ( $i <= $numpages && $more ){ $next .= _wp_link_page($i); $next .= $args['link_before']. $args['nextpagelink'] . $args['link_after'] . ''; } } $args['before'] = $args['before'].$prev; $args['after'] = $next.$args['after']; } return $args; } /** * Excerpt More */ function excerpt_more( $more ){ return ' …'; } /** * Theme Generator Meta */ function meta_generator(){ $active_theme = wp_get_theme(); if ( is_child_theme() ) { $active_theme = wp_get_theme( $active_theme->Template ); } if( ! empty( $active_theme->Name ) ){ $theme_info = apply_filters( 'TieLabs/theme_meta_generator', $active_theme->Name .' '. TIELABS_DB_VERSION ); if( ! empty( $theme_info ) ){ echo "\n" . "" . "\n"; } } } /** * If the post doesn't have a Primary Category, use the Primary Category of Yoast if it is available */ function yoast_seo_primary_category( $category = false ){ if( class_exists( 'WPSEO_Meta' ) ){ $wpseo_primary_term = get_post_meta( get_the_id(), WPSEO_Meta::$meta_prefix . 'primary_category', true ); if( ! empty( $wpseo_primary_term ) ){ $get_the_category = TIELABS_WP_HELPER::get_term_by( 'id', $wpseo_primary_term, 'category' ); if ( ! empty( $get_the_category ) && ! is_wp_error( $get_the_category ) ) { return $get_the_category; } } } return false; } /** * Always return true, If there is a default featured image */ function has_post_thumbnail( $has_thumbnail ) { if( tie_get_option( 'default_featured_image' ) && tie_get_option( 'default_featured_image_id' ) ){ $has_thumbnail = true; } return $has_thumbnail; } /** * Set a default featured image if it is missing */ function default_featured_image( $html, $post_id, $post_thumbnail_id, $size, $attr ) { // Return if the post has a featured image if( ! empty( $html ) ){ return $html; } // Check if the default eatured image option is active if( ! tie_get_option( 'default_featured_image' ) || ! tie_get_option( 'default_featured_image_id' ) ){ return $html; } $default_thumbnail_id = tie_get_option( 'default_featured_image_id' ); // select the default thumb. return wp_get_attachment_image( $default_thumbnail_id, $size, false, $attr ); } /** * Translate numbers */ function translate_numbers( $the_number ) { if( ! ( is_admin() && ! wp_doing_ajax() ) ) { $translated_numbers = tie_get_option( 'translation_numbers' ); if( ! empty( $translated_numbers ) && is_array( $translated_numbers ) && count( $translated_numbers ) == 10 ){ $original_numbers = array( '0', '1', '2', '3', '4', '5', '6', '7', '8', '9' ); return str_replace( $original_numbers, $translated_numbers, $the_number ); } } return $the_number; } } // Single instance. $TIELABS_FILTERS = new TIELABS_FILTERS();/** * Taqyeem Class * */ defined( 'ABSPATH' ) || exit; // Exit if accessed directly if( ! class_exists( 'TIELABS_TAQYEEM' ) ) { class TIELABS_TAQYEEM{ /** * __construct * * Class constructor where we will call our filter and action hooks. */ function __construct(){ // Disable if the Taqyeem plugin is not active if( ! TIELABS_TAQYEEM_IS_ACTIVE ){ return; } // Disable the Custom Styles and Typofraphy options add_filter( 'taqyeem_custom_styles', '__return_false' ); // Disable Updater and Verification add_filter( 'Taqyeem/Updater/disable', '__return_true' ); add_filter( 'Taqyeem/Verification/disable', '__return_true' ); // Disable the plugin Rich Snippets add_filter( 'tie_taqyeem_rich_snippets', '__return_false' ); // Remove Shortcodes code and Keep the content add_filter( 'taqyeem_exclude_content', 'TIELABS_HELPER::strip_shortcodes' ); // Dequeue Scripts and Styles add_filter( 'wp_enqueue_scripts', array( $this, 'enqueue_scripts' ), 50 ); // Dequeue Scripts and Styles add_filter( 'admin_enqueue_scripts', array( $this, 'admin_enqueue_scripts' ), 50 ); // Change the reviews head box class add_filter( 'taqyeem_reviews_head_classes', array( $this, 'review_head_class' ) ); // Alter the Queries add_filter( 'TieLabs/Query/args', array( $this, 'best_reviews_query' ), 10, 2 ); // Alter the Related Posts Query add_filter( 'TieLabs/related_posts_query', array( $this, 'related_posts_query' ) ); // Alter the Check Also box Query add_filter( 'TieLabs/checkalso_query', array( $this, 'checkalso_query' ) ); // Default Widgets Posts Thumb Size add_filter( 'tie_taqyeem_widget_thumb_size', array( $this, 'reviews_thumb_size' ) ); // Allow the Rview Rich Snippet on Pages add_filter( 'TieLabs/is_page_rich_snippet', array( $this, 'rich_snippet_for_page' ) ); // Change the Review Rich Snippet add_filter( 'TieLabs/rich_snippet_schema', array( $this, 'review_rich_snippet' ) ); // Add Best Reviews to the post order option menu. add_filter( 'TieLabs/Options/Related/post_order_args', array( $this, 'posts_order_args' ) ); add_filter( 'TieLabs/Options/Checkalso/post_order_args', array( $this, 'posts_order_args' ) ); add_filter( 'TieLabs/Builder/Block/post_order_args', array( $this, 'posts_order_args' ) ); add_filter( 'TieLabs/Settings/Category/posts_order', array( $this, 'posts_order_args' ) ); add_filter( 'TieLabs/Widget/Slider/post_order_args', array( $this, 'posts_order_args' ) ); add_filter( 'TieLabs/Widget/Posts/post_order_args', array( $this, 'posts_order_args_2' ) ); // Prevent Taqyeem from displaying the review box in the content block in the builder add_action( 'TieLabs/Builder/before', array( $this, 'remove_review_block' ) ); // Replace the old icon classes with the new classes of Font Awesome 5.0 add_filter( 'taqyeem_buttons_icon', array( $this, 'replace_icon_fa5' ) ); } /** * Allow the Rview Rich Snippet on Pages */ function rich_snippet_for_page(){ if( tie_get_postdata( 'taq_review_position' ) ){ return true; } } /** * Change the Review Rich Snippet */ function review_rich_snippet( $schema ){ // Check if the Taqyeem Structured Data is active, current post has review and the Taqyeem version is >= 2.3.0 if( ! taqyeem_get_option( 'structured_data' ) || ! tie_get_postdata( 'taq_review_position' ) || ! function_exists( 'taqyeem_review_get_rich_snippet' ) ){ return $schema; } // Unset some data unset( $schema['articleBody'] ); unset( $schema['articleSection'] ); // Get the Review structure data $review_rich_snippet = taqyeem_review_get_rich_snippet(); if( $review_rich_snippet['@type'] == 'product' ){ $schema = $review_rich_snippet; } else{ // Add the data to the post structure data $schema['@type'] = 'review'; $schema['itemReviewed'] = $review_rich_snippet['itemReviewed']; $schema['reviewBody'] = $review_rich_snippet['reviewBody']; $schema['reviewRating'] = $review_rich_snippet['reviewRating']; } // return the modefied data return $schema; } /** * Change the reviews head box class */ function review_head_class( $class ){ return tie_get_box_class( $class ); } /** * Alter the query for the best reviews */ function best_reviews_query( $args, $block ){ if( ! empty( $block['order'] ) && $block['order'] == 'best' ){ $args['orderby'] = 'meta_value_num'; $args['meta_key'] = 'taq_review_score'; } return $args; } /** * Alter the Related Posts Query */ function related_posts_query( $args ){ if( tie_get_option( 'related_order' ) == 'best' ){ $args['orderby'] = 'meta_value_num'; $args['meta_key'] = 'taq_review_score'; } return $args; } /** * Alter the Check Also Query */ function checkalso_query( $args ){ if( tie_get_option( 'check_also_order' ) == 'best' ){ $args['orderby'] = 'meta_value_num'; $args['meta_key'] = 'taq_review_score'; } return $args; } /** * Add Best Reviews to the post order option menu. */ function posts_order_args( $args ){ $args['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN ); return $args; } /** * Add Best Reviews to the post order option menu. */ function posts_order_args_2( $args ){ $args['standard']['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN ); return $args; } /** * Default Widgets Posts Thumb Size */ function reviews_thumb_size(){ return TIELABS_THEME_SLUG.'-image-small'; } /** * Prevent Taqyeem from displaying the review box in the content block in the builder */ function remove_review_block(){ remove_filter( 'the_content', 'taqyeem_insert_review' ); } /** * Dequeue Scripts and Styles */ function enqueue_scripts(){ wp_dequeue_script( 'taqyeem-main' ); wp_dequeue_style( 'taqyeem-style' ); wp_enqueue_style( 'taqyeem-styles', TIELABS_TEMPLATE_URL.'/assets/css/plugins/taqyeem'. 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    Finance

    8 Best Robo-Advisors of 2021

    October 18, 2021
    0 2 11 minutes read
    Above Article Content Ad

    Robo-advisors are rising more and more well-liked, particularly with Millennial and Gen Z traders, as a substitute for conventional portfolio administration. However not all robo-advisors are created equal.

    Robo-advisor—an automatic funding platform that makes use of laptop algorithms to speculate your cash for you—is actually a sizzling buzzword in at this time’s financial panorama (maybe second to solely cryptocurrency). Don’t be lured in by the appeal of the primary robo-advisor you discover.

    Should you’re prepared to leap on the bandwagon, evaluation our record of the most effective robo-advisors of 2021 to decide on a high quality possibility that meets your wants.

    8 Finest Robo-Advisors of 2021

    Advisor Account Minimal Finest for Ease of Use
    Wealthfront $500 Finest general Very simple SEE DETAILS
    Betterment $10 Cellular investing Very simple SEE DETAILS
    SoFi Automated Investing $1 Price-free investing Very simple SEE DETAILS
    Vanguard Digital Advisor $3,000 Retirement planning Average SEE DETAILS
    Ally Make investments $10 Newbies Very simple SEE DETAILS
    Charles Schwab Clever Portfolios $5,000 Giant accounts, low charges Simple SEE DETAILS
    M1 Finance $100 Skilled traders ss Average SEE DETAILS
    Acorns $0 Micro-Investing Very simple SEE DETAILS

    Wealthfront

    Finest Total Robo-Advisor

    Key Options

    • Customization
    • Free entry to advisors
    • Tax-loss harvesting, auto rebalancing

    A typical criticism of robo-advisors is that traders get little or no say in how they’re investing, however Wealthfront lets you curate your portfolio towards your pursuits, together with social duty, clear vitality, crypto, tech and international and rising markets. Should you get carried away, Wealthfront steps in to let you understand in case your selections aren’t in step with your threat tolerance.

    Wealthfront

    Account minimal

    $500

    Charges

    No account or buying and selling, 0.25% annual advisory charge

    Ease of use

    Very simple

    You should utilize Wealthfront to speculate for retirement (Conventional and Roth IRAs, SEP IRA, 401(ok) rollover), schooling (529 school financial savings plan) and normal investing (Particular person Accounts, Joint Accounts, Belief Accounts).

    Whereas the great thing about automated funding providers is that the robotic does all the pieces for you, Wealthfront has a crew of economic planners obtainable who can discuss via any questions you could have.

    Wealthfront additionally presents a money account to make investing simpler.

     

    Betterment

    Finest for Cellular Investing

    Betterment lets you specify your threat tolerance and your monetary targets with a purpose to make investments for you, with typical options like rebalancing and tax effectivity. Whereas Betterment has one of many lowest charges for belongings beneath administration, it jumps up 0.15% for Premium entry to human advisors.

    Betterment

    Account minimal

    $10

    Charges

    No account or buying and selling, 0.25% annual advisory charge

    Ease of use

    Very simple

    Betterment, the primary robo-advisor to enter the market again in 2008, presents socially accountable investing, in addition to checking and money reserve accounts. Its cellular app is maybe the most effective one in the marketplace.

    You possibly can belief that you simply’re in good palms with Betterment. They handle $32 billion (with a B) in belongings for greater than 650,000 prospects.

    Betterment is presently operating a promotion: Enroll now and get one yr of free account administration.

     

    SoFi Automated Investing

    Finest for Price-Free Investing

    Key Options

    • Simple to set targets
    • Free entry to human advisors

    The fee-free setup for So-Fi is the massive promoting level. That and its $1 minimal funding make it interesting to younger traders. Nevertheless, you get much less from SoFi than from different high robo-advisors. For instance, SoFi doesn’t embrace a tax effectivity function.

    SoFi Automated Investing

    Account minimal

    $1

    Charges

    No account charges, no annual advisory charge

    Ease of use

    Very simple

    One other good perk of SoFi is free entry to licensed monetary planners. However funding choices are usually extra restricted, i.e., there’s no complete monetary plan.

    SoFi’s expense ratio is waived till June 2022. After that, it jumps to 0.19% — way more than the standard .03% for a Vanguard S&P 500 fund.

     

    Vanguard Digital Advisor

    Finest for Retirement Planning

    Key Options

    • Nice retirement planning
    • Confirmed monitor report

    Vanguard is among the most extremely regarded funding administration firms. Working example: Most robo-advisors on this record spend money on Vanguard ETFs. Its many years of expertise make Vanguard Digital Advisor the most effective guess for long-term retirement financial savings. With the next account minimal, Vanguard Digital Advisor is just not for newbies.

    Vanguard Digital Advisor

    Account minimal

    $3,000

    Charges

    No account or buying and selling, 0.15% annual advisory charge

    Ease of use

    Average

    Vanguard’s platform isn’t so simple as some, however in the event you’re fascinated about many years of knowledge slightly than a fairly app, Vanguard could also be best for you. You possibly can discuss with funding professionals via its Vanguard Private Advisor Companies.

     

    Ally Make investments

    Finest for Newbies

    Ally Make investments is free … type of. To get 0% advisory charges, it’s important to go for the Money-Enhanced Managed Portfolio, which units apart 30% of your cash in an uninvested account. In any other case the Market-Centered Managed Portfolio has a 0.30% advisory charge. Newbies will admire Ally’s cellular app, 24/7 free stay assist and simple portfolio decisions. Skilled traders in all probability need extra decisions.

    Ally Make investments

    Account minimal

    $10

    Charges

    No account or buying and selling charges

    Ease of use

    Very simple

    Newbies will admire Ally due to its main cellular app, the $100 minimal deposit, 24/7 free stay assist and simple portfolio decisions. The alternatives embrace Core (finest for hands-off traders), Revenue (decrease threat), Tax Optimized (tax-advantaged investments) and Socially Accountable (eco-friendly firms).

    Ally is usually a one-stop store for all of your monetary wants. Ally Financial institution is a extremely really helpful on-line financial institution with high-yield financial savings and interest-earning checking accounts. Ally additionally presents CDs, cash market accounts and mortgage, auto and private loans.

    One other spotlight: It takes simply 10 minutes to get arrange.

     

    Charles Schwab Clever Portfolios

    Finest for Giant Accounts

    Key Options

    • Low expense ratios
    • Broad customization

    Schwab Clever Portfolios caters to skilled traders and presents wider customization than different robo-advisors. You possibly can select from three funding methods and 6 threat profiles. The barrier for entry is larger, and like Ally, Schwab might put a few of your funds in an FDIC-insured deposit account relying on the danger profile you choose.

    Charles Schwab Clever Portfolios

    Account minimal

    $5,000

    Charges

    No charges however you pay an expense ratio

    Ease of use

    Simple

    Schwab’s robo-advisor costs no administration charge. The corporate makes its cash off the expense ratio for Schwab ETFs. Like different robo advisors, this one consists of auto rebalancing and tax loss harvesting.

     

    M1 Finance

    Finest for Skilled Traders

    Key Options

    • Low expense ratios
    • Nice apps

    Even skilled traders can profit from automated funding providers. M1 Finance is good for such prospects as a result of it’s a hybrid, providing each automated and hands-on choices. Its monetary advisors put collectively 80+ curated “Pies” (pie charts that present how funds are diversified to satisfy completely different aims), however you may also bake your personal Pies.

    M1 Finance

    Account minimal

    $100 ($500 for retirement accounts)

    Charges

    No charges however you’ll pay an expense ratio

    Ease of use

    Average

    With M1, auto rebalancing stays on high of your investments with built-in tax effectivity. You possibly can arrange taxable funding accounts, in addition to retirement accounts.

    There isn’t a administration charge, although you’ll pay an expense ratio for trades. As well as, you may improve to M1 Plus (free for the primary yr, $125 thereafter), which incorporates 2% loans via M1 Borrow, two commerce home windows, custodial accounts and sensible transfers.

    With M1 Finance funding accounts, you may arrange particular person and joint taxable accounts, in addition to retirement accounts like Roth, conventional and SEP IRAs. It additionally presents belief accounts.

    To get essentially the most out of M1 Finance, don’t simply open an Make investments account. Contemplate Borrow and Spend to unlock the complete suite of options.

     

    Acorns

    Finest for Micro-Investing

    Key Options

    • Clear pricing
    • Fractional shares

    What makes Acorns stand out is its round-up function. Simply hyperlink your debit and bank cards to the account, and each time you make a purchase order, it’ll spherical up the acquisition quantity to the closest greenback and make investments that spare change. So in the event you purchase a taco for $6.35, it’ll spherical as much as $7.00, and $0.65 shall be invested.

    Acorns

    Account minimal

    $0

    Charges

    $3 a month for Private, $5 for Household

    Ease of use

    Very simple

    Acorns pricing construction is completely different from different automated advisors. That’s good as a result of 1) it’s low cost and a couple of) it’s constant. Different providers cost a charge as a proportion of belongings beneath administration, so the administration charge can fluctuate.

    The draw back is, most individuals who begin with Acorns aren’t investing so much, in order that they’re truly spending extra ($36 a yr) than they might in the event that they invested with a robo-advisor platform that costs a 0.25% charge. In truth, an investor wouldn’t personal $36/yr with a robo-advisor charging 0.25% till they hit almost $15,000.

    Acorns invests your funds into diversified ETFs and performs automated portfolio rebalancing. As with different robo funding providers, you solely must reply just a few questions for it to make the powerful selections for you

    Acorns additionally permits fractional shares, which is a cool function that allows you to personal a fraction of shares with a excessive worth per share.

    As a part of its funding portfolio, Acorns consists of conventional retirement accounts. Along with investing, Acorns presents a checking account insured by the FDIC. (No financial savings account, nonetheless.)

     

    Finest Robo-Advisor Honorable Mentions

    Whereas these automated funding platforms didn’t make our record of the eight high robo-advisors, they’re additionally value your consideration:

    • SigFig: Good for entry to human monetary advisors
    • Ellevest: Good for goal-driven investing
    • TD Ameritrade: Good for conventional traders
    • Interactive Advisors: Good for socially accountable investments
    • E*TRADE: Good for cellular investing

    As well as, Private Capital is also known as a robo-advisor, however they like to model themselves as a “digital wealth supervisor.” Splitting hairs? Possibly. Both means, it’s an incredible platform in the event you can afford the $100,000 minimal account steadiness, which makes them extra like conventional advisors.

    Hallmark Options of the Finest Robo-Advisors

    What do you have to search for in a robo-advisor? Listed below are simply a number of the high options that the most effective robo-advisors provide:

    Account Rebalancing

    Computerized rebalancing of the funding portfolio is a key function of high robo-advisors. Some do that in actual time whereas others do it on a schedule, like as soon as 1 / 4.

    Low Charges

    The very best automated funding firms ought to offer you entry to their platform for a small administration charge. Search for one with a administration charge between 0.25% and 0.40%. Something larger, and also you may as effectively pay a human funding advisor.

    Some robo-advisors don’t cost a administration charge in any respect, however bear in mind: Nothing is free. They possible have expense ratios to think about.

    Low Account Minimal

    The barrier for opening conventional funding accounts with a human monetary advisor is difficult for newbies to beat. Many require tens of 1000’s of {dollars} to get began. In case you are a newbie, search for a robo-advisor with a low or no account minimal.

    Diversified Funding Portfolio

    Some robo-advisors solely spend money on their very own ETFs. Whereas not inherently dangerous, we suggest choices with extra funding choices, together with a number of ETFs, mutual funds and even actual property funding trusts (REITs).

    Most robo-advisors provide retirement investments, revenue investments and extra providers. Discover one which fits all your funding targets.

    Tax-Loss Harvesting

    This important technique entails promoting off poorly performing investments at a loss to offset capital beneficial properties on different investments. A whole lot of the automated funding advisors with free account administration don’t provide this, even some on this record. If free account administration outweighs tax effectivity for you, that’s one thing to think about.

    Entry to Human Advisors

    Whether or not free or at a low price, a great robo-advisor will get you entry to a human for funding recommendation and monetary planning. Free monetary planning is an apparent plus.

    An Simple-to-Use Platform with Instructional Instruments

    Search for a robo-advisor with an incredible cellular app and desktop platform. You must be capable of simply discover instructional sources about private finance and funding technique.

    Different Banking Companies

    Some automated funding advisors provide further providers with their brokerage account, as a part of a full-suite on-line financial institution. If you’d like a checking and financial savings account alongside along with your funding account, discover a robo-advisor that provides this.

    Execs and Cons of Utilizing a Robo-Advisor

    There are a number of benefits to utilizing a robo-advisor, however they don’t seem to be for everybody. In addition they have some pitfalls that severe traders ought to take into account.

    Execs

    Listed below are a number of the high advantages of utilizing automated funding providers:

    • You’ll lower your expenses. Robo-advisors are considerably cheaper than conventional human monetary advisors.
    • You’ve got around-the-clock entry. Whereas monetary planning with an actual individual has its perks, you’re restricted to their working hours. With a robo-advisor, you could have 24/7 entry to make modifications and evaluation your portfolio.
    • Decrease account minimal. The account minimums are a lot decrease than conventional brokerage accounts. Some robo-advisors have $0 account minimums.
    • They’re nice for newbies. Robo-advisors do all of the give you the results you want, so even if in case you have restricted data, you may be ok with your investments. Undoubtedly make use of their instructional sources, nonetheless.
    • Robo-advisors are protected. Similar to a standard monetary advisor, a robo-advisor should register with the US Securities and Alternate Commision (SEC).

    Cons

    There are some pitfalls of utilizing a robo-advisor

    • Restricted funding choices. A robo-advisor usually offers you little management over how your cash is invested and usually presents a smaller set of portfolio choices.
    • Restricted providers. Should you need assistance with one thing like property planning or belief administration, you’re higher off with a human monetary planner. A robo-advisor is supposed for fundamental funding providers.
    • No development in monetary literacy. While you let a robotic do all of the give you the results you want, it may be exhausting to be motivated to be taught for your self. Nevertheless, it’s important that traders at any stage really feel empowered to grasp how their cash is invested.

    Continuously Requested Questions About Robo-Advisors

    Have questions? We’ve bought solutions!

    What Is a Robo-Advisor?

    A robo-advisor is an automatic funding platform that depends on laptop algorithms to find out one of the best ways to speculate your funds, based mostly in your solutions to a questionnaire concerning threat tolerance, monetary targets, time horizon and extra.

    How Does a Robo-Advisor Work?

    Robo-advisors depend on proprietary software program that real-life monetary advisors use as effectively. To find out the correct asset allocation, they make the most of data you present on the way you wish to make investments.

    How Ought to I Select a Robo-Advisor?

    Take into consideration the options which might be most essential to you. To get began, have a look at our record of the eight finest robo-advisors and select the one that’s rated in your particular want (for instance, micro-investing or cellular investing).

    How A lot Do Robo-Advisors Price?

    Robo-advisor charges range. Some cost a really low proportion of belongings beneath administration whereas others depend on expense ratios for their very own funds. Total, they cost a lot lower than conventional funding professionals.

    Which Robo-Advisor Has the Finest Returns?

    This additionally varies, relying on how funds are invested and the way the market is doing. Most robo-advisors carry out equally. Selecting the best one is extra concerning the options and pricing which might be best for you.

    Which Robo-Advisor Ought to I Use?

    This relies fully in your desire. Take into consideration the charges you’re snug paying, the utmost funding you may afford to make and the options that meet your wants.

    Do Robo-Advisors Beat the Market?

    Robo-advisors carry out equally to different brokerage accounts. Efficiency varies relying on the state of the market and the diversification of the funding portfolio. It additionally will depend on how aggressive you could have indicated you need your portfolio to be.

    Timothy Moore is a contributor to The BaghdadTime.


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    October 18, 2021
    0 2 11 minutes read

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