/** * 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

What Factors Drive Car Insurance Rates? 63% of Americans Got It Wrong

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Credit score scores are pervasive in our society, used to find out whether or not you will get a bank card, a private mortgage and even hire an house. However simply half of Individuals (50%) assume credit score historical past is utilized by insurance coverage firms to calculate auto insurance coverage charges, in accordance with a brand new BaghdadTime survey. In actual fact, credit score can be utilized by auto insurance coverage firms to calculate premiums within the overwhelming majority of states.

In a BaghdadTime survey of greater than 2,000 U.S. adults performed on-line by The Harris Ballot, we requested Individuals what components they assume are utilized by insurance coverage firms to calculate insurance coverage charges. We additionally requested them what they give thought to credit score historical past being included in these calculations, after they store round for insurance coverage charges and whether or not they contemplate insurance coverage prices when purchasing for autos.

Key findings

  • Many don’t know what components are used to set auto insurance coverage premiums: Round two-thirds of Individuals (63%) selected a minimum of one false response when requested which components are utilized by insurance coverage firms when calculating auto insurance coverage charges. Simply 16% are conscious that the chance that you just’ll store round for higher charges can really influence how a lot you pay in premiums, in accordance with the survey.

  • Customers are break up on whether or not credit score historical past ought to influence insurance coverage charges: When requested concerning the inclusion of credit score historical past to find out auto insurance coverage charges, simply over half of Individuals (51%) say it is smart, 38% say it doesn’t make sense and the remaining 11% aren’t positive. Round 1 in 8 Individuals (12%) say it doesn’t make sense as a result of it might be discriminatory in opposition to these from sure racial/ethnic backgrounds.

  • A majority don’t store round for auto insurance coverage charges commonly: Of Individuals who’ve ever shopped round for auto insurance coverage charges, the survey discovered simply 35% say they’ve performed so as a result of they store for higher charges commonly. This might influence how a lot they’re paying in month-to-month premiums.

  • Most auto consumers contemplate insurance coverage prices when shopping for a automobile: Amongst Individuals who’ve ever shopped for a automobile, two-thirds (67%) say insurance coverage prices influence how they store a minimum of considerably.

Not all drivers know the way their insurance coverage charges are decided

With so many components that may be included in your auto insurance coverage premiums, it’s no marvel that many Individuals aren’t completely positive what’s going into their charges. In our survey, when given a listing of things and requested which of them are utilized by insurance coverage firms when calculating auto insurance coverage charges, near two-thirds of Individuals (63%) selected a minimum of one false response.

Totally different automotive insurance coverage firms can have their very own proprietary formulation for calculating charges, which is why we are saying sure components could also be included. Different components could differ by state; for instance, credit score historical past isn’t legally allowed for use when calculating premiums in sure states, together with California, Hawaii, Massachusetts, Michigan and Washington. Because of this you may not have the identical charges as somebody with the same total profile however a special ZIP code or insurance coverage firm.

One issue that isn’t used to find out insurance coverage premiums, however may be linked to components that do influence charges, is race. It’s not authorized for insurance coverage firms to make use of an individual’s racial background to calculate charges, however Black Individuals are disproportionately impacted by increased premiums by the inclusion of things like ZIP code and credit score historical past.

A 2015 report from the Shopper Federation of America discovered that “ZIP codes with predominantly African American residents face premiums which might be 60% increased than predominantly white ZIP codes, after adjusting for inhabitants density.” After which there’s the problem of together with credit score historical past.

FICO scores are a preferred measurement of creditworthiness. They take a number of components under consideration, with cost historical past and the quantity you owe making up 65% of an individual’s credit score rating, although the rating your insurance coverage provider makes use of might be barely totally different. Insurers use proprietary fashions, so the ratios of the most important components that go into your FICO scores seemingly aren’t precise. However basically, it’s seemingly that in case your credit score scores are low, your insurance coverage scores are in all probability low as properly.

Whereas earnings isn’t factored in to an individual’s credit score rating, decrease earnings may imply you owe a bigger proportion of your earnings or have the next chance of lacking a cost as a result of there’s much less of a monetary buffer. This may occasionally particularly damage Black Individuals due to the racial earnings hole — as of 2020, the median Black family earned 62 cents for each greenback the median white family earned, in accordance with the U.S. Census Bureau.

This credit score scoring mannequin additionally doesn’t keep in mind issues like on-time hire funds, which may disproportionately influence Black Individuals as a result of they’ve decrease homeownership charges than white Individuals — 45% in comparison with 74%, as of Q2 2021, in accordance with the U.S. Census Bureau. There are actually rent-reporting companies you may look into, however it’s a must to pay for them, and these on-time hire funds nonetheless aren’t taken under consideration for FICO scores.

“Research present that renters pay extra for automotive insurance coverage than owners do, even when the renter has a very good driving historical past. Owners can profit from reductions renters don’t have entry to, however insurers would possibly view owners as having monetary stability and decrease charges accordingly,” says Ben Moore, a BaghdadTime insurance coverage specialist.

Customers disagree on whether or not credit score historical past ought to be an element

Simply over half of Individuals (51%) assume it is smart to incorporate credit score historical past in calculating auto insurance coverage charges, with the highest purpose being that monetary accountability may point out total accountability (29%). In the meantime, 38% say the inclusion of credit score historical past doesn’t make sense, with 1 / 4 of Individuals (25%) saying this as a result of credit score historical past doesn’t influence an individual’s driving file.

Youthful Individuals are extra seemingly than older generations to say together with credit score historical past in calculating premiums is smart — 65% of Gen Zers (ages 18-24) and 63% of millennials (ages 25-40) say this, in comparison with 43% of Gen Xers (ages 41-56) and 41% of child boomers (ages 57-75). However along with potential racial discrimination, this apply penalizes these with out credit score historical past or who’ve low credit score attributable to monetary hardship.

“It’s true that research have discovered a correlation between poor credit score and the way seemingly it’s a driver will file a declare,” Moore says. “However insurers might be able to gauge this regardless, as firms already use a buyer’s earlier claims historical past to cost charges. Plus, poor credit score may be short-term, since somebody in monetary hardship can take motion to enhance it. And as soon as a driver improves their credit score, they will ask their insurer to reevaluate their price at renewal time, or store round for higher charges elsewhere.”

Most don’t store round for insurance coverage charges commonly

Solely round 1 in 6 Individuals (16%) recognized chance of buying round for auto insurance coverage commonly as an element that might influence their charges, however there’s proof that it will probably, a minimum of in states the place the apply of worth optimization is authorized. In different phrases, in case you test insurance coverage costs with some kind of regularity, you would possibly pay a decrease price than somebody who doesn’t hassle. However in accordance with our survey, simply over one-third of Individuals who’ve ever shopped round for auto insurance coverage (35%) say they’ve performed so as a result of they store round for higher charges commonly.

Loads of consumers checked out totally different carriers attributable to insurance coverage prices. Of Individuals who’ve ever shopped round for auto insurance coverage, 36% say it’s as a result of their current premium elevated and 24% say it’s as a result of their insurance coverage was now not reasonably priced.

Insurance coverage prices influence automobile purchasing for most

Most Individuals who’ve shopped for a automobile have thought-about insurance coverage charges, a minimum of considerably. Whereas a 3rd (33%) say insurance coverage charges don’t influence their auto buying in any respect, greater than 2 in 5 (42%) say they influence considerably and 1 / 4 (25%) say insurance coverage charges influence their automotive buying enormously.

“Insurance coverage firms contemplate the automobile you’ll be driving when pricing charges, so take note of a possible new automotive’s options in case you’re frightened a couple of excessive premium,” Moore says. “Costly upgrades like top-of-the-line security tools or a revved-up engine could set off a price enhance since an insurer might want to minimize a bigger test within the occasion of a declare.”

What you are able to do

Store round for auto insurance coverage yearly. We all know {that a} propensity to buy round for insurance coverage charges could assist decrease your premiums, however you don’t have to continually reevaluate your insurance coverage firm and coverage. Buying round about annually is ample. Arrange a reminder in your cellphone or planner and examine charges on BaghdadTime in case you aren’t positive the place to begin.

Know what to anticipate insurance-wise when buying a automotive. Even in case you wouldn’t select a special automotive to get decrease insurance coverage charges, it’s a good suggestion to know the way a lot your premiums will price for budgeting functions. Similar goes for realizing common upkeep and gasoline prices. That means, you may see the true price of auto possession and determine if it’s value it so that you can get the automobile you might have your eyes on.

As mentioned, there are numerous components which will go into your automotive insurance coverage prices, a few of which you might have management over and others you don’t. Use a protection estimator to see what you may anticipate out of your insurance coverage invoice.

Work in your credit score. This recommendation is directed towards those that reside within the states the place credit score historical past could also be taken under consideration for premiums, however no matter the place you reside, it doesn’t damage to enhance your credit score. Two issues that considerably influence your credit score are cost historical past and credit score utilization, and as we stated earlier than, your credit score scores are seemingly indicative of your credit-based insurance coverage scores.

Credit score utilization is the quantity of your out there credit score you’re utilizing. So when you have $10,000 in bank card limits and also you carry balances totaling $2,000, your utilization is 20%. As a basic rule, you need to goal to maintain your utilization below 30% for every account and for all your accounts as a complete. You may take steps to construct credit score after which store round for insurance coverage charges to see if yow will discover extra reasonably priced premiums as soon as your credit score has improved.

Methodology

This survey was performed on-line inside the US by The Harris Ballot on behalf of BaghdadTime from Sept. 7-9, 2021, amongst 2,062 adults ages 18 and older. This on-line survey shouldn’t be primarily based on a likelihood pattern and subsequently no estimate of theoretical sampling error may be calculated. For full survey methodology, together with weighting variables and subgroup pattern sizes, please contact Chloe Wallach at [email protected].

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