פורום הום סטיילינג

Berkshire Hathaway
Warren Buffett became the controlling shareholder of Berkshire Hathaway in the mid-1960s and began a progressive strategy of diverting cash flows from the core business into other investments. As of May 2023, Berkshire Hathaway had a market capitalization of over $715 billion, making it one of the largest publicly traded companies worldwide.1

Berkshire Hathaway has a long history of operating success and smart investments. The company is the sixth-largest public company in the world in terms of market capitalization as of May 2023.1 Berkshire's stock trades on the New York Stock Exchange in two classes—A shares and B shares. Class A shares have never split and closed above $500,00 per share in May of 2023 (its Class B shares traded at a more modest $325 on the same date).2

Insurance subsidiaries represent a large part of Berkshire Hathaway's holdings. However, the company also manages hundreds of diverse businesses all over the world. These include Duracell, International Dairy Queen, Pampered Chef, Fruit of the Loom, NetJets, and GEICO, among others.3 In addition to owning private companies, Berkshire also has a large investment portfolio of stocks in major public companies, such as Apple (AAPL), Bank of America (BAC), and United Parcel Service (UPS).4 As of December 31, 2022, Berkshire's public market equity portfolio was valued at more than $346 billion.5

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Early in his career, Buffett came across the novel idea to use the float from his insurance subsidiaries to invest elsewhere. He focused on selecting stocks that would be held for the long term. Buffett has long eschewed a diversified stock portfolio in favor of trusted investments that would be over-weighted in order to leverage the anticipated return. Over time, Buffett’s investing prowess became so renowned that Berkshire Hathaway's annual shareholder meetings are now a mecca for value investing proponents. They're also the target of intense media scrutiny.

3,641,613%
The overall return of Berkshire Hathaway’s stock from 1965 to 2021. During this same period, the S&P 500 returned 30,209%.6 In annualized terms, Berkshire’s stock generated an average yearly return of 20.1% over that period, while the S&P 500’s annualized gain was 10.5%.6

Succession and Control
Succession has always been a hot topic for Berkshire. The big question is whether Buffett’s replacement can continue the streak of outperforming the market. This becomes even more pressing when you consider that Buffett turned 91 years old in August of 2021.

In 2010, Buffett announced that he would be succeeded at Berkshire Hathaway by a team comprised of one CEO and two to four investment managers.

In 2011, it was announced that hedge fund managers Todd Combs and Ted Weschler would be two of those managers. In 2018, the company put Ajit Jain in charge of all of the insurance operations and made Greg Abel the manager of all other (noninsurance) operations. Both men seemed likely candidates for Buffett's heir apparent. Buffet has not announced any retirement plans. Still, it's good that the question of succession has been answered, considering the advanced age of the Oracle of Omaha.

On May 1, 2021, vice chair of Berkshire Hathaway, Charlie Munger, unofficially announced that Warren Buffett would be succeeded as CEO by Greg Abel when Buffett eventually steps down. Abel's official title is CEO of Berkshire Hathaway Energy and vice chair in charge of noninsurance operations.

Who Is Warren Buffett?
Warren Buffett is a world famous business owner and investor. He's renowned not only for the jaw-dropping success of Berkshire Hathaway, the holding company of which he's been in charge since 1964. Buffett is also celebrated for his winning approach to investing, which has created great wealth for many shareholders. His frugal lifestyle, despite being one of the world's wealthiest individuals, and his easy-going manner have earned him fans across the globe.
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What Is Value Investing?
Value investing refers to investing in a security with an intrinsic value that's greater than its market value. The idea is that the undervalued security's market value should increase to meet its intrinsic value. Warren Buffett is one example of an investor whose focus on value investing has led to incredible success.

What Is a Class A Share?
Class A shares of common stock usually give shareholders a greater amount of voting rights than Class B and other classes of stock. They're often held by a company's executives and some members of management so that those in charge of the company can retain control of it in various situations, such as a hostile takeover attempt.

The Bottom Line
Berkshire Hathaway is a holding company run by Warren Buffett that owns a diverse range of private businesses and significant minority interests in public companies such as Apple. It has a market capitalization of over $715 billion and is the sixth-largest public company in the world. Berkshire Hathaway's success is l

Understanding the Investment Risk Ladder
Here are the major asset classes, in ascending order of risk, on the investment risk ladder.

Cash
A cash bank deposit is the simplest, most easily understandable investment asset—and the safest. It not only gives investors precise knowledge of the interest that they’ll earn but also guarantees that they’ll get their capital back.

On the downside, the interest earned from cash socked away in a savings account seldom beats inflation. Certificates of deposit (CDs) are less liquid instruments, but they typically provide higher interest rates than those in savings accounts. However, the money put into a CD is locked up for a period of time (months to years), and there are potentially early withdrawal penalties involved.
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Bonds
A bond is a debt instrument representing a loan made by an investor to a borrower. A typical bond will involve either a corporation or a government agency, where the borrower will issue a fixed interest rate to the lender in exchange for using their capital. Bonds are commonplace in organizations that use them to finance operations, purchases, or other projects.
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Bond rates are essentially determined by interest rates. Due to this, they are heavily traded during periods of quantitative easing or when the Federal Reserve—or other central banks—raise interest rates.
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Mutual Funds
A mutual fund is a type of investment where more than one investor pools their money together to purchase securities. Mutual funds are not necessarily passive, as they are managed by portfolio managers who allocate and distribute the pooled investment into stocks, bonds, and other securities.
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Most mutual funds have a minimum investment of between $500 and $5,000, and many do not have any minimum at all. Even a relatively small investment provides exposure to as many as 100 different stocks contained within a given fund's portfolio.

Mutual funds are sometimes designed to mimic underlying indexes such as the S&P 500 or the Dow Jones Industrial Average. There are also many mutual funds that are actively managed, meaning that they are updated by portfolio managers who carefully track and adjust their allocations within the fund. However, these funds generally have greater costs—such as yearly management fees and front-end charges—that can cut into an investor’s returns.
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Mutual funds are valued at the end of the trading day, and all buy and sell transactions are likewise executed after the market closes.
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Many investment specialists advise their clients to diversity into a wide range of securities rather than focusing on just a few stocks.
Exchange-Traded Funds (ETFs)
Exchange-traded funds (ETFs) have become quite popular since their introduction back in the mid-1990s. ETFs are similar to mutual funds, but they trade throughout the day, on a stock exchange. In this way, they mirror the buy-and-sell behavior of stocks. This also means that their value can change drastically during the course of a trading day.
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ETFs can track an underlying index such as the S&P 500 or any other basket of stocks with which the ETF issuer wants to underline a specific ETF. This can include anything from emerging markets to commodities, individual business sectors such as biotechnology or agriculture, and more. Due to the ease of trading and broad coverage, ETFs are extremely popular with investors.
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Stocks
Shares of stock let investors participate in a company’s success via increases in the stock’s price and through dividends. Shareholders have a claim on the company’s assets in the event of liquidation (that is, the company going bankrupt) but do not own the assets.

Holders of common stock enjoy voting rights at shareholders’ meetings. Holders of preferred stock don’t have voting rights but do receive preference over common shareholders in terms of the dividend payments.
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Some investments, such as hedge funds, are only permitted to wealthy investors.

Alternative Investments
There is a vast universe of alternative investments, including the following sectors:

Real estate: Investors can acquire real estate by directly buying commercial or residential properties. Alternatively, they can purchase shares in real estate investment trusts (REITs). REITs act like mutual funds wherein a group of investors pool their money together to purchase properties. They trade like stocks on the same exchange.
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Hedge funds: Hedge funds may invest in a spectrum of assets designed to deliver beyond market returns, called “alpha.” However, performance is not guaranteed, and hedge funds can see incredible shifts in returns, sometimes underperforming the market by a significant margin.
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Typically only available to accredited investors, these vehicles often require high initial investments of $1 million or more. They also tend to impose net worth requirements. Hedge fund investments may tie up an investor’s money for substantial time periods.

What Are Commodities?
Do you ever think about what goes into that cup of coffee you reach for every morning? What about the gas that you use to fill up your tank every week? Most of us never realize it, but virtually all of these goods begin with commodities.

Commodities are an extremely important part of the financial market. That's because they are essential for producers and manufacturers. A commodity is essentially a basic product or raw material used to make all the goods and services that we need in our everyday lives.
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There are a wide array of commodities, including oil, gas, coffee, soybeans, and rice. These commodities are traded on commodity exchanges around the world such as the Chicago Mercantile Exchange (CME), the London Metals Exchange, and the Intercontinental Exchange (ICE). Investing in commodities provides investors with a way to diversify their portfolios, especially during times of market volatility.

Read on to find out more about the different types of commodities, their price structures, and who sets them on the market.

KEY TAKEAWAYS
Commodities come in many forms, including grains, energy products, and metals.
Prices are determined by fundamental factors and supply & demand, which change as economic events unfold and trigger waves of buying and selling.
Traders generally don't buy and sell physical commodities; rather, they trade in derivatives like futures and options.
Commodities trade in the cash or spot market, and on organized exchanges as futures contracts.
Commodities futures trade on exchanges and are used for speculation and hedging.
Types of Commodities
Since commodities are traded on exchanges, their prices aren't set by a single individual or entity. In fact, there are many economic factors and different catalysts that affect and move their prices each day.
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Just like equity securities, commodity prices are primarily determined by the forces of supply and demand in the market.
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For example, if the supply of oil increases, the price of one barrel decreases. Conversely, if demand for oil increases (which often happens during the summer), the price rises. Gasoline and natural gas fall into the energy commodities category.


Weather plays an extremely significant role in price changes for crop-related or agricultural commodities, especially in the short term.
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If the weather affects supplies in a certain region, it has a direct impact on that commodity's price. Commodities that fit into this category include corn, soybeans, and wheat. Cotton, coffee, and rice are referred to as soft commodities.

Gold is one of the most actively traded commodities because it is used to produce jewelry and other goods. But is also considered to be a worthwhile, long-term investment. Silver and copper are other examples of commodities in the metals group.

Livestock is another group of commodities. This category includes live animals, such as hogs, and cattle.

Trading in commodities predates that of stocks and bonds by many centuries as merchants would meet along trade routes like the Silk Road to exchange various agricultural and craft products.

Spot vs. Futures Price
Commodities are traded via futures contracts on exchanges. These contracts obligate the holder to buy or sell a commodity at a predetermined price on a delivery date in the future. Not all futures contracts are the same. In fact, their details differ depending on the commodity being traded.
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The market price of a commodity that is quoted in the media is often its market futures price. The futures price is different than the spot price or cash price, which is the actual price for the commodity today.
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For example, if an oil refiner buys 10,000 barrels of oil for $50 per barrel from an oil producer, $50 per barrel is the spot price. The futures price can be more or less than the spot price at any given moment.

Many traders use commodity futures to speculate on future price movements. They generally don't trade the physical commodities themselves. That's because buying barrels of crude or bushels of wheat isn't practical. These investors analyze market activity and chart patterns to speculate on future supply and demand. They subsequently enter long or short futures positions depending on which direction supply and demand move prices.
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Speculators are distinct from hedgers, who are often the end-users seeking to protect interests in the commodity by selling or purchasing futures contracts. If a soybean farmer thinks prices will fall over the next six months, they can hedge their crops by selling soybean futures today. Hedgers and speculators collectively represent much of the buying and selling interest in commodities futures, making them important parties in determining commodities prices from one day to the next.

Investors can also purchase stocks in companies that deal in commodities, such as energy companies or mining corporations. In addition, several commodity ETFs are available for trading.
What Are Some

סיימתי ללמוד אדריכלות עיצוב פנים וסטיילינג פנויה למשרות במחירים אטרקטיביים
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Top Companies by Market Cap
By market capitalization, as of January 2022, Apple (AAPL) is the biggest company at $2.652 trillion, followed by Microsoft (MSFT) at $2.222 trillion, Google (GOOGL) at $1.725 trillion, Amazon.com (AMZN) at $1.446 trillion, Tesla (TSLA) at $947.92 billion, and Meta (META), formerly Facebook, at $843.34 billion.
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Back in 2007, Chinese energy giant PetroChina (PTR) reached an estimated market value of around $1 trillion. However, this valuation didn't stick. As of January 2022, PTR's market capitalization stood at just $146.95 billion.
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Top Companies by Revenue
In terms of the biggest global companies by revenue, Walmart (WMT) comes in as number one—according to the Fortune 500 list. Walmart's revenues were $523,964 billion in 2021. Behind Walmart was State Grid with $383,906 billion in revenues, followed by Amazon with $280,522 billion, and China National Petroleum at $379,130 billion.
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Sinopec Group ranks fifth with $407,009 billion in annual revenues, and the sixth and seventh spots are covered by Apple and CVS Health with $260,174 billion and $256,776 billion in yearly revenues, respectively.
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Based on only U.S.-headquartered companies' 2020 performance, Walmart still has the top spot, while Amazon comes in second. Exxon Mobil ranks third and Apple ranks fourth. Healthcare companies take up the fifth, seventh, and eighth spots: CVS, UnitedHealth Group, and McKesson, generating $256.78 billion, $242.15 billion, and $231.05 billion, respectively.
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Berkshire Hathaway ranks sixth with $254.62 billion in annual revenues, and the ninth and tenth spots are covered by AT&T and AmerisourceBergen at $181.19 billion and $179.59 billion in yearly revenues, respectively.
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Based on only U.S.-headquartered companies' 2019 performance, Walmart still has the top spot, while ExxonMobil (XOM) comes in second with $290.21 billion a year in revenues. Apple ranks third with $265.59 billion and Berkshire Hathaway fourth with $247.84 billion. Healthcare companies take up the sixth through eighth spots: UnitedHealth Group, McKesson, and CVS, generating $226.25 billion, $214.32 billion, and $194.58 billion, respectively.
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Top Private Companies
In terms of private companies, Forbes ranks Minnesota-based Cargill as the largest private U.S. company with $134.4 billion in annual revenues. The company has 155,000 employees. Second is Koch Industries with $115 billion in revenues and 122,000 employees. Ranking third is the grocery chain Publix Super Markets, with $44.9 billion in annual revenue and 227,000 employees.
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The fourth and fifth largest private companies are Mars and H-E-B, which generate $40 billion and $32.8 billion, respectively. Each employs over 100,000 employees.
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The Bottom Line
On a pure market value measure, Apple has often been considered the most valuable, publicly traded company of all time. Although Microsoft did briefly hit the $2 trillion market cap mark in June 2021. It is certainly possible another company’s market cap will exceed these measures, and maybe—though less likely—another company will surpass Berkshire Hathaway as the highest priced single stock share.

מחפשת הדרכה בלבד באקססוריז בלבד להשלמה סגנון כפרי אפשרי תלמידה סטונטית שעדין לומדת או סימה אשמח לעזרה בנושא עבור חד הורית שרוצה להכניס צעט צבע .תודה.

How Should We Celebrate the Anniversary of the Birth of Prophet Muhammad (PBUH)?

For Muslims, Prophet Muhammad (PBUH) is the best creature ever. He is the last messenger and prophet sent by the Almighty Allah to guide people from the darkness of ignorance to light of Divine guidance. At any human scale, he (PBUH) is a man of extraordinary achievements. This is a fact admitted not only by Muslims, but by non-Muslim thinkers and philosophers also. Having put Prophet Muhammad (PBUH) on top of the list of the most 100 most influential people in history in his The 100: A Ranking of the Most Influential Persons in History, Michael H. Hart states, “My choice of Muhammad to lead the list of the world's most influential persons may surprise some readers and may be questioned by others, but he was the only man in history who was supremely successful on both the religious and secular level.”
Prophet Muhammad (PBUH) succeeded to be an embodiment of perfect attributes and values. He called upon all people to have good manners and promote higher values of peace, mercy, respect of others, etc. He succeeded to turn an uncivilized nation into a nation of prime civilization that taught the whole world how to get civilized. So, how can we celebrate the birth anniversary of a man of such character and a great prophet?
The fact of the matter is that celebrating the birth of this beloved Prophet (PBUH) cannot be by chanting songs that enumerate his excellent qualities and lib servicing only. Rather, this opportunity should be seized to the full to preach his (PBUH) message and values. Celebration should have different aspects.
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First of all, we shall take him as our role model, i.e. to follow in his footsteps and have the morals he had. Qatadah reported, “I said to ‘Aisha, ‘O mother of the believers, tell me about the character of the Messenger of Allah (PBUH).’ ‘Aisha said, ‘Have you not read the Quran?’ I said, ‘Of course.’ ʿAisha said, ‘Verily, the character of the Prophet of Allah was the Quran.’” (Sahih Muslim) In another version of the hadith she replied, “He was a walking Qur’an,” i.e. he was an embodiment of the values of the Qur’an. Accordingly, the first manifestation of celebration should be following the Prophet’s (PBUH) message, obeying his legislation, observing good deeds and abstaining from bad deeds and ill manners, and applying his merciful approach when dealing with women, children and any vulnerable group of people.
Another aspect of celebration is to disseminate these good values throughout the world in all means possible in order to introduce the true image of this great prophet extraordinary human being to all humankind. The world in the present time is in dire need for the values of Islam and the character of our Prophet Muhammad (PBUH) as it goes though continued crises and disasters at all levels. The example of Prophet Muhammad (PBUH) is the way of salvation for humankind in this difficult epoch of history; where the world is void any moral code, where the super powers manipulate weak countries, where some people spoil natural resources and waste food and beverages and some others die out of hunger.
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Furthermore, we need to reinvestigate and reread the biography and Sunnah of Prophet Muhammad (PBUH) in order to come out with new lessons learned and new methods to overcome the challenges facing us today. The month of Rabi I, when the Prophet was born, should be made a month of reviving the character of Prophet Muhammad (PBUH) in our lives and the lives of the whole mankind. Let it be an opportunity to correct the course of humankind.

This is Jesus, Son of Mary, the Word of Truth


Festivals and celebrations are considered one of the distinctive characteristics and key features of societies around the world as they constitute a major part of cultural fabric for people. This means that there is hardly any human society without festivals, whether they are related to religious occasions or non-religious ones. While there are some Islamic festivals like, Eid al-Fiṭr and Eid al-Adha, there are also various celebrations and festivals that distinguish Christians from other religious groups, such as Christmas. Thus, every year, the Christians celebrate the Christmas all over the world, which is an annual festival commemorating the birth of Jesus (PBUH). There are different hypotheses regarding the date of Jesus' birth; however, the Catholic “Western” church has fixed December 25th to be the Christmas date. On the other hand, the Eastern Orthodox Church celebrates the Christmas on January 7th.1The present article focuses on the position of Jesus in the Islamic texts and how Islam and Muslims hold great reverence and respect for Jesus and his mother.
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Reviewing the Glorious Qur’an, one finds that there is no book on earth that has given Jesus and his mother more reverence and honor than the Qur’an does. We will not be exaggerating if we say that the Qur’an gives more respect and reverence to Jesus more than the current Torah and Gospel do. In the Qur’an, there is a full detailed surah entitled Al-Imran and it refers to the family of Jesus, where Allah says, “Indeed, Allah chose Adam and Noah and the family of Abraham and the family of 'Imran over the worlds. Descendants, some of them from others. And Allah is Hearing and Knowing”.2 It is known that the aforementioned surah is classified as the second largest Surah in the Qur’an next to al-Baqrah. In addition, there is another surah entitled Maryam, the mother of Jesus. However, there is neither a full detailed surah in the Qur’an about the family of Prophet Muhammad PBUH nor his mother.

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Maryam was named six times in Surah Al-Imran and this surah includes precise information concerning the story of the pregnancy of Maryam’s mother, as many scholars explained that Maryam’s mother was a barren old woman, and when Maryam was born, her mother was in deep grief as she had pledged what is in her womb for Allah’s service. The righteous people disputed greatly over who would take care of Maryam, and then it was Zakarīyā who ultimately took good care of her, and she grew up under his patronage as a righteous girl. Every time Zakarīyā entered upon her in the prayer chamber, he found with her provision. He used to ask her about the source of that provision, and she replied, “It is from Allah.”
Maryam’s name was also mentioned twice in surah al-Nisāʼ in the context of dispraising the Jews for their disbelief and their false accusation of Maryam, where Allah, Glory be to Him says, "And We cursed them for their disbelief and their saying against Mary a great slander, And for their saying, "Indeed, we have killed the Messiah, Jesus, the son of Mary, the messenger of Allah." And they did not kill him, nor did they crucify him; but another was made to resemble him to them" Surah Maryam, her name was also mentioned twice where Maryam brought Jesus to her people carrying him as they accused her of doing something unprecedented. In Suah al-Taḥrīm, she was named once, attributed to her father (Maryam daughter of Imran) in the place of praising her for her deep and unshakable belief. Allah says, “And the example of Mary, the daughter of 'Imran, who guarded her chastity, so We blew into her garment through Our angel, and she believed in the words of her Lord and His scriptures and was of the devoutly obedient”
In addition to the Glorious Qur’an, there are loads of Aḥādīth referring to the stature of Maryam among Muslims and how they respect and revere her greatly. Abū Hurayrah said, "I heard Allah's Messenger (PBUH) say, “There is no one born among the off-spring of Adam, but Satan touches it. A child therefore, cries loudly at the time of birth because of the touch of Satan, except Mary and her child." Then Abū Hurayrah recited: "And I seek refuge with You for her and for her offspring from the outcast Satan" In addition, Anas (May Allah be pleased with him) narrated that the Prophet (PBUH) said, "Sufficient for you among the women of mankind are Maryam daughter of ʻUmrān, Khadījah bint Khuwaylid, Fāṭimah daughter of Muḥammad and Āsiyah the wife of the Pharaoh”
Regarding Jesus, the son of Maryam, his story was mentioned in many surahs of the Glorious Qur’an such as Maryam, Al-Imranm, al-Māʼidah, al-Nisāʼ, al-Ṣaff, al-Ḥadīd and al-Zukhruf. In surah Maryam, for instance, it included the address to both his mother and Jesus and it seems as if the two stories are only one story. However, at the end of the surah, the verses emphasize the Oneness of Allah and t

מה ניתן לעשות עם שלושה נביצי יען מצויירים?

Principles of dealing with non-Muslims as a Means for Combating Extremism


Allah the Almighty created people and made earth their place of residence where they all should live, work, and seek sustenance. This requires that they engage and have relationships with each other. In this way, it becomes clear that “relationships, no matter how harmonious or tumultuous, are intrinsic to human existence. It matters that we matter to others, and that others matter to us.”i The Qur’an, Muslim’s divine scripture and first source of legislation, clearly underlines that such engagement and mutual relationships is one of the objectives of Islam. The Almighty Allah says, “O humanity! Indeed, We created you from a male and a female, and made you into peoples and tribes so that you may ˹get to˺ know one another. Surely the most noble of you in the sight of Allah is the most righteous among you. Allah is truly All-Knowing, All-Aware.”ii (The Qur’an, Al-Hujarāt, 49: 13) From this verse, it becomes apparent that differences among humankind have been created for the explicit purpose, namely, human beings might establish particular relationships so they might know one another.iii Therefore, if every human being would live alone, dissociating himself from others, then this objective of getting to know one another would not be achieved.
In his Islam Firstiv, the Grand Imam of Al-Azhar, Prof. Ahmad Al-Tayeb states that according to the Glorious Qur’an, there are three interrelated facts with regard to Islam’s view of humanity:
The first fact is that it is out of Allah’s Will that people are created different in religion, creed, color, language and gender. Moreover, such differences never change or vanish;
The second fact comes as a consequence of the first which is that it is inevitable that the relationship between different tribes and nations be based on “taʿāruf”, meaning: mutual cooperation. The Qur’an states this clearly in 49:13.
The third fact that brings together the aforementioned two facts is the right to freedom of belief as safeguarded by Islam.
That said, Islam sets rules and regulations for Muslims when dealing with non-Muslims in order to keep the mutual relationships and respect among followers of divine religions, non-divine religions and even among all people, even if they do not believe any religion, as long as they do not belittle religions.
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These rules and regulations can be summarized in the following points:
1. Every human being has the freedom to faith. Accordingly, no one can be forced to leave his religion or faith. Islam does not aim at forcibly converting people so that it becomes the only religion on earth, as it believes that coercion is of no value whatsoever in this respect. Every human being will be held accountable before Allah for all what he does, so one is responsible for one’s one actions. Muslims’ responsibility is only to present to people the true, pure teachings of Islam.

1. Equality before Allah and before law. Allah the Almighty does not give a group of people supremacy over others. Rather, all people are equal before Allah the Almighty. Likewise, people, under Islam, are all equal before law. This means that a Muslim is not favored over a non-Muslim and every human being is subject to the rule of law.

1. Non-Muslims have the right to be governed by their own religious laws. They are not forced to follow the Islamic laws.
2. Muslims are obliged to deal with others fairly and justly. Based on the fact that we all are the created beings of Allah, and Allah is the All Just, we are obliged to deal with each other in justice. Even if there is a sort of discords with others, a person is not permitted to neglect this rule. The Qur’an stipulates this rule clearly when saying, “You who believe, be steadfast in your devotion to God and bear witness impartially: do not let hatred of others lead you away from justice, but adhere to justice, for that is closer to righteous.” (Qur’an 5: 8)

1. As equal citizens in the same country, non-Muslims have the right to security of their lives, property and houses of worship. This right is extended also to any non-Muslim, even if he is not a citizen. Such protection is offered also to the non-Muslim visitors.

1. In case of telling non-Muslims about Islam, a Muslim is ordered to argue with them in the best manner and to keep good ties with them even when they refuse to accept Islam, as long as they do not fight or harm Muslim.

It is crystal clear from the above-mentioned regulations that Islam is keen on establishing harmonious community, where all of its members respect each other and shoulder the responsibility of achieving prosperity and progress for the community at large, and humanity as a whole. This, in turn, leads to establishing peaceful community free of all aspects of extremism and terrorism.

שלום רב, קניתי סלון בצבע אפור בהיר

האם ספריה בצבע שמנת עם אלון מבוקע תתאים
או ספריה בצבע לבן עם אלון מבוקע

באלי לחדשה את החדר ולצבוע אותו אבל יש לי מיטות בצבע ורוד ביבי מי יכולה לעזור להתאים צבע לקיר

שלום,
אני נכנסת לדירה יד 2 בת כ75 מטר עוד כחודש ומעוניינת להחליף ריצוף. חשבתי לרצף בפרקט קוויק סטפ הבלגי.
מתלבטת אם כדאי לרצף בפרקט למינציה את כל הבית, את חדרי השינה או בכלל לא.
אנחנו משפחה עם 5 ילדים קטנים. בחדרים לא נשפך מים, אבל במטבח ובסלון, איפה שאוכלים, תמיד ״שמח״ אחרי ארוחה. מחיפוש ברשת אני רואה דיעות סותרות בקיצוניות.
לא אכפת לי אם הריצוף לא יישאר כמו חדש בעוד 10 שנים, אבל רוצה לדעת כמה זה רגיש ברמה היומיומית.
לדוגמה: נדנוד עריסה, גרירת כסאות וכו׳
נקודה נוספת: זה יפה לעשות ריצוף אחד לשטחים הציבוריים: מטבח, סלון... ריצוף פרקט לחדרי השינה וריצוף שונה לאמבטיה? לא ייראה מוגזם לדירה לא גדולה?

שלום, מעוניינת בהום סטיילינג,
בעד סכום סימלי למתחילים. בנתניה

היכן אפשר לרכוש בארץ תריס גלילה מבמבוק
לסגירת ארון שרות

אני רוצה לעשות קומת גלריה עם רשת פרושה לשכיבה, מישהי מכירה כזה דבר?מי עושה את זה?איך קוראים לזה בשם המיקצועי?

איך מתחילים לעצב בית בתקציב דל

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תודה

שלום הייתי רוצה לדעת מה הטווח מחירים של תכנון והום סטיילינג לספריה,
החלל מוכן, מלבני בגודל 140 מ"ר, אני צריכה למקם בפנים את כל הריהוט -ספריות עמדות מחשב עמדות לספרניות, פינות ישיבה פינות קריאה, אזור פופים וכו',
וגם לעצב - הום סטיילינג את כל החלל.

תודה על העזרה!!!!!!!!!!!

שלום רב,
נכנסנו לדירה חדשה ברמת גן. הדירה מרוהטת.
אנחנו מעוניינים בייעוץ לגבי תמונות, תאורה ושדרוג מראה הבית.
מעוניינים לברר לגבי שעת ייעוץ ע"י סטודנט/ית לעיצוב.

היי חברים ! אני בוגרת תואר לראשון בעיצוב פנים וכעת מתחילה את דרכי החדשה בהום סטיילינג . אני קצת מתקשה בבניית הצעת מחיר, זה קצת מבלבל כי יש הרבה אופציות . מישהו יכול להיות נחמד ולעזור לי ?

#כרכוב#כרכובריהוטעתיק#גלריההודהשרון #ריהוטאנגליעתיק #וינטאג #אדריכלותועיצובפנים #עיצובפניםוהוםסטיילינג #עיצובפנים

חשוב לי לשתף בפורום זה אודות חווית הלקוח המזעזעת והגובלת בחוסר שפיות הדעת מצד בעלת גלריה כרכוב בהוד השרון העוסקת בשיפוץ, שיחזור ומכירת רהיטים וחפצים עתיקים, אורית מירון כרכוב.

אנו, זוג צעיר, מאזור השרון, ביקשנו להוסיף לבית מספר פריטי ריהוט במסגרת שיפוץ לקראת הקיץ בתקציב מוגבל. בהיותנו חובבי ריהוט עתיק ווינטאג' מאנגליה וצרפת, בחיפוש מהיר ברשת מצאנו את גלריית כרכוב ברחוב החרש בהוד השרון, שבדיוק פרסמו מכירת פריטי הגלריה עד 30% הנחה.

כבר בביקור הראשון בגלריה, רכשתי 2 פריטים ובמהלך החודש וחצי הבאים הוספתי להגיע לגלריה ולרכוש פריטים נוספים בעלות כוללת של 10,000 ש"ח עבור כולם שילמתי במזומן (!!!) לזוג אורית ושבתאי כרכוב.

בזמן זה התוודעתי לאורית, בעלת הגלריה, עימה חלקתי את הצורך בפריטי ריהוט נוספים אותם הציעה שתחפש בנסיעתם הקרובה לאנגליה בשווקי הפשפשים. ציינתי בפני אורית כי אנו קצרים בתקציב ולא אוכל להבטיח רכישת פריטים ללא מידע מדויק אודות עלותם וללא שאראה אותם במציאות.

בתגובה לחששותי, אורית הצהירה כי בעת רכישת פריט "בהזמנת לקוח" תמיד יספקו את מידותיו ועלותו, ולמרות זאת לעולם אינם מחייבים לקוחות לרכוש ריהוט שכביכול נקנה עבורם במהלך נסיעה לחו"ל, אלא שומרים את הזכות הראשונה של הלקוח לרכישת הפריט כשמגיע לארץ, ובמידה והלקוח מחליט מכל סיבה שהיא שאינו מעוניין בפריט, אינו מחויב ברכישתו וכי בגלריה יימצא לו רוכש אחר.

במהלך שהות הזוג כרכוב באנגליה, אורית יצרה איתי קשר להצעת פריט, אך מאחר ולא הייתי זמינה לאישור הקניה בזמן, הפריט נמכר. מאוחר יותר ציינה כי רכשו מספר פריטים דומים ושלחה לי תמונה של פריט שיכול להתאים לצורך שלי. גיליתי עניין וביקשתי מידות ומחיר עבור הפריט בהודעות ותזכורות ששלחתי לאורית, אך לא עלה בידיה לספק לי פרטים חשובים אלה על מנת לבצע החלטה.

בימים הקרובים, במהלך נסיעה לצפון, מצאתי את הפריט שהתאים לצרכי בגלריה אחרת המיבאת ריהוט עתיק מאירופה בעלות נוחה וסבירה למדי התואמת את התקציב שלנו. מתוך כבוד והערכה לאורית כרכוב, שלחתי לה את תמונות הפריט ועלותו, וביקשתי להתייעץ עימה לגבי הפריט המצוי ברשותה ולקבל עלות ומידות, כדי לבצע החלטה ואו לבקש ממנה הצעת מחיר לשיפוץ הפריט שחשבתי לרכוש.

עוד לפני שהצלחתי להסביר את עצמי, אורית התנפלה עלי בשיחה בעודה צועקת עלי וגוערת בי כבילדה קטנה על כך שהתחייבתי בפניה על רכישת פריטים, וכפוית טובה שכמוני הולכת וקונה במקום אחר... אין לה מידות ועלויות עבור הפריט שכביכול התחייבתי כלפיה, אבל אני משנה את דעתי כל פעם מחדש וזה בלתי נסבל, שאני חסרת סבלנות ואי אפשר לעבוד איתי. ניסיתי לפייס את אורית בשיחה ולהסביר לה שאין לי כוונות רעות ואני לא רוצה לריב איתה, אבל אני קצרה בתקציב ואין לי ברירה, אלא לקבל החלטות על פי מידות מתאימות וגובה עלויות. אורית סירבה להמשיך בשיחה ולנסות להקשיב לדברי וניתקה לי (הלקוחה!!!) את הטלפון!

הסאגה עם אורית כרכוב הרודה בנו לצערי אינה מסתיימת כאן:

לפני שנסעו לאנגליה השארתי בגלריה של הזוג כרכוב מנורה עומדת אותה ביקשתי מאורית לשפץ קלות, בעוד אנו מסכימות בינינו על עבודה מינורית ופשוטה מצידם, ציינתי בפני אורית ושבתאי כי התקציב שלנו מועט וחשוב לי לדעת מה יהיו העלויות. בנוסף, ביקשתי שייקחו את הזמן ולא יעבדו על שיפוץ המנורה בקרוב.
לאחר שאורית ניתקה בפני את הטלפון והותירה אותי בהלם מוחלט וחוסר אונים, לא נותר לי אלא לשלוח את בעלי לאסוף את המנורה ומאחר ועברו ימים מספר מרגע ששבו מן הנסיעה ולא קיבלתי ממנה כל מידע אודות התקדמות כלשהיא בעבודה עליה, הייתי בטוחה כי לא החלו בשיפוץ המנורה.

כשבעלי הגיע לגלריה, אורית הודיעה לו כי המנורה כבר עברה שיפוץ ונמצאת אצל החשמלאי. ביקשנו הערכת עלות ותמונות של המנורה המשופצת, אך אורית סירבה לספק את המידע המבוקש. בעלי ביקש להפסיק את העבודה על המנורה אצל החשמלאי ולהשיב אותה אלינו, אך גם כאן נתקלנו בסירוב מצידה.

בסופו של דבר אחרי ימים שהיא מותירה אותנו בחוסר וודאות מוחלט, הודיעה לי אורית כי עלות שיפוץ המנורה הינו 900 ש"ח (!!!) ופירטה כי עשתה שינויים ושיפוץ מורכב שמצדיק עלות זו. אנו, המומים מהעלות המופרזת שאנו נדרשים לשלם עבור מוצר, שהמוכרת, אורית כרכוב, ראתה לנכון לדרוש, עבור שיפוץ שעשתה על פי דעתה ושלא פירטה ושיקפה לנו מבעוד מועד כלקוחות שאמורים לאשר תשלום עבורו!!! בנוסף, אינה מוכנה להשלים את העבודה ולהתאים אהיל למנורה, בטענה ש"אני פשוט לא בנאדם..נרקסיסטית וחצופה...", ועוד שלל העלבות והטחת עלבונות בפני (חוצים כל קו אדום בשיח מוכר/לקוח ראוי !!) בהודעות טקסט במהלכן אני מנסה להגיע לפשרה עימה.

רק לאחר שפניתי לבעלה של אורית באימייל, והסברתי לו כי לא נותרה לנו כל ברירה, אלא לפנות לתביעות קטנות בעניין המנורה אותה אורית כרכוב מסרבת בכל תוקף לפרק מהעבודה שעשתה על דעת עצמה ללא אישורנו ולהשיב לנו את הרגל המקורית שהשארנו אצלה, השיב לי כי המנורה תושב לקדמותה ותוחזר לנו.
הסיוט המתמשך שחווינו כלקוחות מצידה של הרודנית אורית כרכוב, בעלת גלרית כרכוב, לא הגיע לנו בשום אופן חובבי הריהוט העתיק ופריטי הוינטאג', שבתמימות הדעת ביקשנו לרכוש פריטים על פי צרכינו ויכולותנו, וברגע שלא תאמו את צפיותיה של המוכרת מאיתנו, החליטה לצאת נגדנו, הלקוחות שלה, שרכשו במזומן פריטים בעלות 5 ספרות רק חודש לפני כן, למלחמה.

בקיצור, מאוד ממליצה לא להתעסק עם גלרית כרכוב, על אף הפיתוי הרב והתחושה הראשונית שאורית ושבתאי, בעלי הגלריה, משרים על הלקוחות בעודם מבטיחים הבטחות ללא גבול ודוחפים עוד ועוד פריטים ושירותים שהם יכולים לספק... על פניו הם עושים רושם ראשוני אישי מאוד טוב, אך בסופו של דבר, אינם עומדים מאחורי הצהרותיהם העסקיות, אינם בוחלים בשום אמצעי, מעליבים, מתווכחים, מתעמתים ורודים בלקוחות עד שמוציאים את הלקוח הלום, מותש, מאוכזב ומתוסכל מן החוויה ומצטער על היום שדרכה סף רגלו בגלריה.

ובעניין שיפוץ המנורה? פניתי לאשר אדטגי, מומחה ומעצב תאורה ותיק ואמין בתחומו, שעבור השיפוץ ביקש 400 ש"ח בלבד – סכום הוגן וראוי לשלם עבור סוג העבודה שנצרך היה למנורה ובטח לא עלות מופקעת של 900 ש"ח, שנדרשנו לשלם ע"י אורית כרכוב...

היי
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