/** * 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 ] = ''; } } // $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

Margin Call: Definition & How to Avoid One

Above Article Content Ad

Margin buying and selling permits traders to buy securities, equivalent to shares, with borrowed cash. The hope behind the gamble is straightforward: A mortgage will increase your buying energy, which may enlarge your features.

However what occurs when the investments you made with the cash you borrowed aren’t doing so nicely? For starters, you may get what’s referred to as a margin name. This is an outline of what that’s, the dangers concerned and the best way to keep away from it.

What’s a margin name?

A margin name is a requirement made by a dealer for an investor to deposit further funds into their margin account.

Opening a margin account with a dealer permits an investor to borrow cash for the acquisition of securities. To stay in good standing, the investor should keep a sure steadiness within the margin account always.

Margin calls are issued when the steadiness in a margin account dips beneath a threshold referred to as the upkeep requirement.

Understanding margin calls

As a result of buying and selling with borrowed cash is dangerous, brokers require an investor to maintain a sure minimal steadiness in a margin account as a type of collateral.

Typically, there are two forms of minimal balances {that a} margin dealer must be involved with:

  • Preliminary minimal: That is an preliminary steadiness that you just’ll have to deposit right into a margin account to buy securities with a mortgage. It’s at the least $2,000 and must initially cowl 50% of the overall prices of the commerce you wish to make.

  • Margin upkeep requirement: This refers back to the fairness held within the margin account at any given time. Per FINRA, the worth of your fairness can not drop under 25% of the present market worth of your securities. Relying in your dealer and the way a lot you’re borrowing, this proportion requirement might be larger.

Through the use of the worth of your margin account as collateral, the lender has a type of safety in opposition to your losses ought to your investments abruptly dip.

You’re obligated to control the worth of your collateral and ensure it meets that minimal steadiness always. If it drops under the requirement, you have to rapidly convey the worth again as much as the upkeep requirement.

What occurs if you get a margin name?

Brokers often assess the worth of an account by its end-of-day buying and selling worth. If a margin name is issued, an investor can reply in considered one of 3 ways to fulfill their minimal steadiness:

  1. Deposit money into the margin account.

  2. Transfer securities from one other account into the margin account.

  3. Promote some securities within the margin account to repay the margin mortgage.

Relying on the brokerage, you’ll probably get two to 5 days after a margin name is issued to determine which of the above strikes you wish to make. When you don’t reply to the margin name, the dealer will get carte blanche to resolve which securities in your margin account to promote to recoup their losses. They’ll additionally liquidate all the account if essential.

Word: It’s additionally solely attainable the dealer might promote earlier than supplying you with the prospect to react to the drop in your fairness. This may occur if the losses within the related account proceed to dive drastically in a brief time period. The shock sale of an asset may improve your tax legal responsibility by exposing you to an unplanned-for capital features tax.

What causes a margin name?

In a nutshell, the market. But in addition your choices. And probably your dealer. Let’s unpack that.

The market: Margin account upkeep is hard as a result of the worth of the investments within the margin account is, for higher or worse, instantly influenced by the market. Meaning your margin steadiness can fluctuate each day primarily based on how your investments are faring.

Your choices: Making choices to commerce on margin throughout instances of excessive market volatility can improve the chance of triggering a margin name. Staying on prime of the present financial local weather can assist you gauge its potential influence in your funding pursuits.

Your dealer: Your dealer can improve your margin upkeep requirement at any time. They may do that for a variety of causes, and with out warning. In case your account steadiness fails to fulfill that new minimal, a margin name shall be triggered.

The underside line: Shopping for on margin exposes you to the danger of a margin name at any time. If the investments used as collateral expertise a decline, that may pull you under that upkeep requirement and set off a margin name.

Margin name instance

Let’s assume you employ $20,000 of your money and a $20,000 mortgage out of your dealer to buy 80 shares of a selected inventory at $500 per share, for a complete of $40,000.

$20,000 (money) + $20,000 (mortgage) = $40,000 (complete buying energy)

80 shares x $500 = $40,000 (complete spend)

Now, let’s suppose your dealer’s margin upkeep requirement is 35%. Utilizing the next formulation, you’ll be able to determine how a lot it’s essential to have in your account to fulfill that requirement and keep away from a margin name:

Mortgage quantity / (1 – upkeep margin) = margin name

$20,000 / 0.65 = $30,769.23

In case your complete margin account steadiness falls under $30,769.23, the dealer can concern a margin name so that you can deposit further funds.

You too can decide a margin upkeep requirement by calculating how low a inventory’s share worth would want to fall for a margin name to be triggered. First, calculate how a lot of the mortgage goes towards every share ($20,000 mortgage / 80 shares), after which apply the identical formulation as above:

Complete mortgage per every share / (1 – upkeep margin) = margin name

So, the bottom the share worth of your inventory can fall earlier than triggering a margin name is $384.62 per share.

The right way to keep away from a margin name

The perfect technique of avoiding a dreaded margin name is to easily keep away from buying and selling on margin. However there are a number of methods you’ll be able to put together to fulfill a name must you obtain one.

If you open a margin account together with your dealer, you’ll be requested to signal a margin settlement. This settlement is perhaps tucked into the final paperwork you signal with the brokerage upon opening an account, or it could possibly be issued to you individually.

As with all contracts, it’s essential to evaluate the fantastic print with care. This settlement will set up necessary phrases and circumstances on your margin buying and selling account, together with your mortgage’s rates of interest, the reimbursement schedule, and how one can set your collateral. It’s going to additionally define how a lot you’ll be required to deposit initially and that important upkeep margin requirement quantity.

Palms-on investing requires an energetic curiosity out there’s each day spikes and dips. With margin buying and selling, this sort of curiosity will not be solely inspired but additionally essential. Conserving a detailed watch in your fairness requires a each day evaluate of the securities you’ve bought on margin, the sector you’re investing in and the market at giant. This can assist you anticipate whether or not a margin name is perhaps on the horizon.

Monetary professionals swear by diversification for a lot of causes. Spreading out the securities you spend money on additionally spreads out your danger. If one safety dips drastically, however others proceed to realize traction, you may be capable to keep away from a margin name.

If understanding the dangers is an element one, then making ready for them is an element two. Do the mathematics to grasp your monetary obligation ought to a margin name be issued, and make certain you might have the belongings or money in hand to reply.

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