Seven nations, including Egypt, Romania, Sri Lanka, Turkey, the Czech Republic, Pakistan, and Hungary, are currently in high danger of experiencing currency crises, according to Nomura.

The Japanese bank reported that 22 of the 32 nations covered by its internal “Damocles” warning system had witnessed an increase in risk since its last update in May, with the Czech Republic and Brazil experiencing the biggest rises.

It indicated that since May, the model’s overall score sum, which was originally 1,744, had climbed significantly to 2,234 from 1,744.

The Nomura economists referred to it as “an ominous warning sign of the mounting broad-based risk in EM currencies” and noted that it was “the highest total score since July 1999 and not far off the top of 2,692 during the height of the Asian crisis.”

The model computes an overall score based on eight important indices of a country’s foreign exchange reserves, exchange rate, financial soundness, and interest rates.

Nomura calculates that a score above 100 suggests a 64% likelihood of a currency crisis in the next 12 months based on evidence from 61 prior EM currency crises since 1996.

Egypt currently has the lowest score at 165 after devaluing its currency significantly twice already this year and applying for an IMF program.

Romania, which has been using interventions to support its currency, is listed next on page 145. Both Turkey and Sri Lanka, which frequently have currency crises due to default, have ratings of 138, while the Czech Republic, Pakistan, and Hungary receive scores of 126, 120, and 100, respectively.

When you’re juggling relationships, a part-time job, maintaining your grades, and college, it can be difficult. Most of us become preoccupied with phone calls, texts, and push notifications. The average student is “distracted for at least five out of every 15 minutes they set aside to study,” most frequently due to texting and social media use, according to a survey.

It can be exceedingly challenging, but not impossible, to maintain concentration when there is so much going on.  You may win the battle against distractions by employing some simple strategies.

Make a To-Do List:

It might be stressful to juggle numerous projects and deadlines. It’s simple to overlook another task when you’re focused on one. A good schedule will enable you to better plan your deadlines and manage your time. You can keep track of your classes and assignments by using a planner or digital calendar. For people who like to make their own to-do lists and appointment schedules, paper planners are ideal. According to one study, the mere act of writing things down improves your memory and focus.

Turn Off Alerts:

All college student’s adversaries are frequent notifications and texts. Close any unnecessary tabs on your computer and put your phone on silent or “Do Not Disturb” mode.

Find the right Place to Do Work:

Students must figure out what works best for them when studying or completing their schoolwork. Some pupils can’t concentrate in a quiet setting; thus, they want noise and bustle. Others require complete quiet, free from all other influences. Try a few different spaces and see how each study session works out.

Split the work into smaller tasks:

By splitting a big project into smaller ones, procrastination can be defeated. Instead of diving headfirst into a massive task, it’s easier to drive oneself to do smaller ones. Break up your time wisely if you’re struggling to complete your work or studies. Consider taking a 10-minute break after 45 to 50 minutes of work. According to studies, regular breaks might improve productivity and information retention.

Clear your Desk:

Your ability to complete your work may be hindered by an untidy workspace. Sort through your desk and just keep what is necessary. An organized workstation can help boost motivation and lessen anxiety.

Reward yourself:

Even a little drive can make a big difference. It’s a good idea to set up a reward system to motivate oneself to complete something. For instance, reward yourself with a nap or a Video if you successfully complete an essay without any interruptions.

The Islamic holiday known as Ashura commemorates the martyrdom of Imam Hussain (RA), the holy Prophet’s (PBUH) grandson, and his comrades at the Battle of Karbala on the tenth day of the Islamic month of Muharram. When faced with disasters, Imam Hussain (RA), his family, and associates displayed the greatest moral standards.

Here are some lessons that we think everyone should learn from Hazrat Imam Hussain’s (RA) remarkable journey:

Significance of Salah

Imam Hussain (RA) never forgot the significance of Salah when engaged in the Battle of Karbala. When it was time for Zuhr, Imam Hussain (RA) and his companions halted to pray despite the Yazid’s troops firing arrows at them nonstop.

Sacrifice

Imam Hussain (RA) demonstrated to the devout believers that they should be willing to give up all to uphold Allah’s religion when it is in danger. He rebelled against Yazid when he saw how the dictator openly disobeyed Allah’s precepts.

Patience

One of the most important life lessons we can take from Imam Hussain (RA) is to be patient, even when things don’t go your way. Imam Hussain (RA) maintained his composure throughout everything, including the contract violation that led to hostilities with Muawiyah and the incident where he was turned away from water on the Euphrates. He had the patience to put his affairs in Allah’s hands despite the oppressors killing the Imam’s (RA) youngest child, Ali Asghar, who was just six months old.

On the Day of Ashura, when the battle was in full swing, he told his companions: “Be patient O ‘ the son of the nobles. Death is only a bridge that takes you from misery and loss to the vast Paradise and the eternal graces”

Determination

Imam Hussain’s (RA) legacy is one that exemplifies remarkable courage, determination, and grace in the face of oppression. Imam Hussain (RA) did not move from his true position in the face of enormous obstacles. On numerous occasions, including at Karbala, he was given the chance to swear allegiance to Yazid in exchange for the protection of his life and the lives of his family. However, Imam Hussain (RA) remained steadfast in his choice since he understood it would go against Islamic values.

Submission to Allah’s will

From an early age, when his Grandfather Prophet Muhammad (PBUH) would tell how he will be left alone in a place called Karbala, Imam Hussain (RA) was aware of his fate. However, Imam Hussain (RA) never questioned Allah’s plan, even when he was left alone on the Day of Ashura. He always accepted his fate.

Hazrat Zainab (R.A.) is the granddaughter of Allah’s messenger Mohammad (P.B.U.H.) and the daughter of Hazrat Fatima (R.A.), also known as al-Batool, or “the chaste and the pure.” A brave woman, Hazrat Zainab (R.A.), stood up to Yazid’s atrocities while standing with her brother Hazrat Hussain (R.A.) on the Karbala battlefield.
The title “Queen of Karbala” is given to Hazrat Zainab Bint-e-Ali (R.A.), who truly played a significant role in representing Islam. Many significant lessons may be learned from Sayeda Zainab’s life, and they are all still relevant to our lives now.

Strength of Hazrat Zainab (R.A)

Hazrat Zainab (R.A) was aware that it would be her duty to take care of the widows and orphans. Despite the severe disaster that befell her and her family, she exhibited strength, confidence, and faith. Her life teaches us even in the most challenging situations, women must not undervalue their strength. In these circumstances, being proactive might be of the biggest importance.

Leadership of Hazrat Zainab (R.A)

Hazrat Zainab (R.A) was renowned for her leadership through her conduct. History repeatedly recalls her pivotal role in uniting the people who had been captured by the army of Yazid and left behind by the Karbala martyrs as a brilliant example of leadership in the face of difficulty.

Vision of Hazrat Zainab (R.A)

Hazrat Zainab (R.A) was a leader with vision. Islam’s continued existence depended heavily on the preservation of the Imamate. Hazrat Zainab (R.A) understood she had to defend her nephew, Imam Zayn al-Abidin (p), and she did it as well as she could with God’s Divine defence and assistance. When it was necessary to defend him physically, she remained steady and publicly spoke out when the truth was distorted or obscured.

Courage of Hazrat Zainab (R.A)

We learned from Hazrat Zainab (R.A.) that it’s not always simple to resist our oppressor. Even though our oppressors might take on many different identities and organisational structures, it’s crucial to summon the confidence to stand up to them. To be steadfast and strong, we must have faith in our principles and in ourselves. By defying the obstacles and resisting the vile and formidable oppressor of her day, Zainab (R.A.) rose to become a pillar of courage and hope.

The first month of the Hijri calendar, Muharram, also referred to as Muharram-ul-Haram, marks the beginning of the Islamic year. The Prophet Muhammad (PBUH) referred to it as “the Sacred Month of Allah” and it is the only month to which Allah’s name has been attached, making it a very blessed month.

The word “Muharram” literally translates to “forbidden,” signifying how sacred it is and how certain actions become prohibited because they would compromise its sanctity. The word Al-Masjid Al-Haram, the name of Allah’s House (Al-Masjid Al-Haram), and the month of Muharram share a common Arabic root. Both are holy places where every action, whether good or bad, weighs heavier on the scales. 

We’ve put together a short list of simple methods to benefit from Muharram:

Seek Forgiveness:

Muharram is a month when sins are heavier, so you should seek forgiveness as often as you can during this time. You can also seek forgiveness for your sins by providing others with water, which is a wonderful Sadaqah Jariyah.

Offer voluntary fasts:

Narrated Abu Hurairah (RA)

The Messenger of Allah (PBUH) said:

“The best fast after the month of Ramadan is fasting in the month of Allah, al-Muharram.”

Fasting on the Day of Ashura expiates the sins of the previous year as the Prophet said, “Fasting on the Day of Ashura (is of great merits), I hope that Allah will accept it as an expiation for (the sins committed in) the previous year” (Muslim)

Give regular Sadqah:

The Islamic New Year begins with Muharram, making it the ideal time to make resolutions and create healthy routines that will pay off all year long.

Avoid sinning:

Allah tells us in the Qur’an:
“so wrong not yourselves therein”
[Soorat at-Tawbah 9:36]

The four sacred months (Muharram, Rajab, Dhul-Qa’da, Dhul Hijjah) are mentioned in this verse. Muslims are encouraged to refrain from sins and increase their good deeds during the sacred months.

Read more Quran:

The best method to be closer to Allah during this month is to recite the Quran. Setting aside just 10-15 minutes per day for it is the best strategy.

Lessons from Karbala

Karbala is the place where Prophet Muhammad’s grandson Hussain was killed during what is known as the Battle of Karbala in A.D. 680. According to Shiites, Hussain and his men were martyred in this battle on the Day of Ashura.

Many lessons can be drawn from the events at Karbala for humanity. It is a source of divine illumination and the truest path to humanity’s salvation.

Such lessons, which are neither community nor time-specific, can be learned from the Karbala incident. Hazrat Imam Hussain (RA) demonstrated in practise over thirteen centuries ago that the ostensibly western ideals of standing up for what is right, enduring hardship, and sacrificing one’s most precious possessions are universal lessons. These priceless lessons apply to all societies and eras.

Be Righteous:

Even if you are alone, practise righteousness. It is crucial to stand up for what is right, even when you are certain that you will die.

Be Just:

The first universal lesson Karbala imparts to us is to never support oppression and injustice, regardless of how strong the oppressor may be. Never support falsehood and tyranny, regardless of the incentive or threat you may be given. The contrast between good and evil is demonstrated in Karbala.

Be Kind:

Even to your enemies, show kindness. Hur oversaw the opposing army. As he and his soldiers made their way to stop Hussain, they ran out of water. Despite having little water, Hussain served it to them.

Be Patient:

Imam Hussain’s life teaches us to be patient in adverse times. When facing a challenging circumstance or obstacle, one should truly look up to and emulate those who have overcome them. This is because one should never forget that much greater people have overcome much more difficult circumstances while maintaining a strong faith in Allah SWT.

Be Brave:

Even after you have lost everything, show courage. After witnessing the massacre of her family, which included her devoted brothers, her adorable nephews, and her two own sons, Zainab, the brave sister of Hussain and the daughter of Ali, was taken as prisoner. Even though they were all killed in the same day, she didn’t lose sight of her brother’s objective. She spoke out bravely against the oppressive ruler while restrained by ropes right there in his durbar (courtyard).