< PreviousCandlestick This is a type of price chart used in technical analysis that displays the high, low, open, and closing prices of an asset, such as a stock, over a speciüc period. Forex Market Also known as FX or foreign exchange, this market is a global marketplace for exchanging currencies, such as the US Dollar, Euro, or Japanese Yen. Bitcoin This is the biggest and most talked about crypto out there. Just like all digital currencies, Bitcoin isn’t tied to any country, economy, or organization. So, it’s very different to the Dollar or Euro, both of which are types of what we call traditional currencies. Satoshi Nakamoto The name of the mysterious person believed to be behind the creation of Bitcoin. It remains unclear if this name is only a pseudonym used by only one individual or a group. Stable Coin Digital currencies that are pegged against an asset or an asset category, for example, a commodity or currency. Dogecoin Two software engineers created this digital currency as a joke (also known as a “meme” asset). They thought the hype around crypto was a bit over the top, so they decided to poke fun at the market. NFT Short for a non-fungible token. NFTs are digital assets, with a unique code on a blockchain that identifies you as the owner of a cryptographic asset, whether it’s a piece of art or sports memorabilia. An NFT cannot be copied or substituted and is powered by smart contracts on the Ethereum blockchain. No one can modify the record of ownership or copy a new NFT into existence. Every NFT must have an owner that is of public record and easy for anyone to verify. Market Cap Short for market capitalization, which is the total value of a company’s shares traded on a stock exchange. How do you calculate it? You take the price per share and multiply that by the total number of outstanding shares. This value can change every day depending on the market and the fluctuations in the share prices. It’s generally considered to be a good indication of the size and value of a company. Bear Market & Bull Market Bear markets are characterized by low investor confidence and a gloomy outlook. Many economists define a bear market as a fall of 20% or more over a sustained period. A bull market is the opposite of that – it’s characterized by high confidence levels and an optimistic outlook, with a given market up 20% or more over a period. It’s where the economy is on the rise. ATH (All- Time-High) This stands for a historic high; in other words, the highest price or value of an asset ever reached in the open market. 80 JobsAltcoins Altcoins, or alternative coins, refer to all other digital currencies that are not Bitcoin or, in some views, Ethereum. Some famous altcoins include Ripple (XRP), Solana (SOL) and Polkadot (DOT). DYOR (Do Your Own Research) As the name suggests, it’s when you don’t trust word of mouth. Instead, you do your own research, verify all the information, and make sound, informed decisions. This has become a particularly catchy phrase in the world of cryptos, encouraging everyone to put on their thinking caps and decide what works best for them. DCA (Dollar-Cost Averaging) When you invest a fixed dollar amount at regular intervals, no matter the share price, that’s called a DCA. It’s an excellent way to develop a disciplined approach to investing and lower your stress levels because you don’t need to check and analyze a stock all the time. The idea is that by buying a stock regularly, you spread the risk and average out the price of that stock over time. Technical Analysis (TA) This type of analysis focuses on pinpointing trends in trading activity like share price movements and trading volumes. The goal is to find patterns in price and volume activity to predict what will happen to the asset’s price ahead. Fundamental Analysis (FA) This type of analysis looks at a stock, asset, or market from the perspective of its business results, overall health, competitor landscape and state of the economy. It considers things like the central bank’s interest rates, production levels, employment, manufacturing, consumer confidence and salary levels. HODL (Hold on for Dear Life) This is another popular term in the crypto community and you might even think of it as a trend where people are holding on to their crypto assets regardless of the market and the current price. Liquidity If you have a liquid asset, you can sell it quickly and effortlessly at any time because there will always be a buyer. When you buy a share or an asset, there is always a seller on the other end - you just don’t know who they are. Liquidity is often measured by the spread, which is the difference between the price to buy an asset and the price to sell an asset, and the amount of volume available at each price. Liquid assets have narrow spread and high volumes available at each price. Discover more at www.amana.app IMA GE S COUR TE SY OF AMANA .APP 81 JobsAs the multimedia vodcast (video + podcast) experience continues to grow, and content creators continue to democratise digital culture, one host shares the story of how his show, “Yalla! Let’s Talk”, helped catapult his career in the creator economy. Hani Dajani’s story might convince you to start a podcast 82 JobsSome of us have made these statements in college essays, others use it to inspire their content or art, and many may eye- roll because we’ve heard this cliché way too many times from those living in the diaspora. I am guilty of all three. I know it’s cliché, but it also poses a real question about identity and understanding what really makes us feel like this. Now, what happens when the question of identity is at a time in our lives where we desperately want to grow and develop personally? Maybe it’s a career switch, perhaps a romantic love we are guring out, or trying to make sense of barriers and learning how to break them. It’s really the “what should I do?” stage in our lives. Trite advice of “you do you” might not capture the nuances of our unique journeys. This is surely a problem many face, no? And of course like most people nowadays, I thought the solution was… YouTube. To be fair, if it was 2020 and not 2017, I would have likely said TikTok. On August 27, 2017, I brought a few friends over to record a YouTube talk show without really thinking much of it. I called it “Yalla! Let’s Talk.” I thought the name had a ring to it. I was still a law student at the time. I set up the Dhs1,500 camera I bought from my summer student savings, arranged the chairs in my dining room, and put Turkish coffee and baklava to give it a “feel”, which in hindsight, was a tad extra. I hit record. Boom. 20 minutes in, the camera stopped working, and when we xed it, we realized that the microphone wasn’t working either. We xed it, but this time, the footage wasn’t imported properly. The dream of a YouTube series quickly dwindled. But I remembered how the conversations made me feel - I felt heard. I could relate to a lot of the struggles my friends were sharing. I couldn’t shake off that curiosity to learn more about people’s stories, particularly those who may relate to the struggles of being “children of immigrants” or simply just living in the diaspora. One year later, I reached out to one of my best friends and we worked closely to turn “Yalla! Let’s Talk.” into an events series. I thought, maybe we change the plan, not the goal. With the support of the Canadian Arab Institute, Yalla! Let’s Talk. went onto become an initiative bringing hundreds of people in Canada, US, and the UK inside local cafes and facilitating topics on self-development. From discussing expectations, to helping us make sense of dening our values, we grew with our YLT community. As we found our groove, the pandemic hit and we had to adapt. Our events became virtual, providing our community a virtual space to tackle topics together. The pandemic also sparked an interest for us to start creating and curating content on social media and we even began an online publication. Simultaneously, I noticed the idea of an “Arab POV” becoming immensely popular on social media. By working with content creators, I slowly began to fall in love with the creator economy, it was exciting. Seeing the opportunity to help create much needed representation, coupled with building a new ecosystem that creators and brands could bene t from, I founded “Yalla” (www.yalla.co) - a new age media and inuencer marketing company. Soon, we started working with record labels, brands, and creatives to build content while bridging the gap between MENA and the diaspora. Yalla became a company whereas Yalla! Let’s Talk. morphed into a channel under Yalla, with a clear mission still in mind: amplify the voices of the diaspora and those living in MENA who could relate, the same voices that typically go unseen. On August 27th, 2022, exactly 5 years after our rst attempt to create a show, we began shooting the video podcast. It was a full circle moment. As the host of the podcast, I’ve designed it to help people gure things out. We explore topics on self-development and share “real” stories. Some of the guests we have had on the podcast so far include content creators Maya Hussein and Saif Shawaf, Jordanian Artist Zeyne, and human rights activist Yafa Jarrar. In the very rst episodes of the podcast, we explored “The Reality of Content Creators’ Mental Health”, “Relationships and Toxic Friends”, and the concept of resilience in many forms. Yalla! Let’s Talk. as a channel, also boasts other content that we proudly create - street interviews and news with incredible content creators. You can nd our podcast on many streaming platforms, including Spotify, Apple Podcasts, Anghami, as well as YouTube. Yours truly, Hani Dajani Host of Yalla! Let’s Talk the podcast From the top: Hani Dajani and Joze Piranian. Maya Hussein and Hani Dajani. I couldn’t shake off that curiosity to learn more about people’s stories, particularly those who may relate to the struggles of being “children of immigrants” or simply just living in the diaspora. “I’m too Arab or not Arab enough” “I don’t know where I belong” “I’m a Third Culture Kid” IMA GE : SHUT TERS TOCK, SUPPLIED 83 JobsASTROLOGY Okay, so. Your love life this year is looking a little...rocky. Problems in your relationships are popping up in January and then again at the end of the year in December. This doesn’t mean you’re doomed to break up or be alone, but it does mean you’ll need to deeply consider the way you connect with others. Pick your friends carefully and your partner doubly so. This year, you’re learning how to stand out—you’re ambitious! You’re creative! You deserve to be recognised! Prepare for some major life events (in a good way) to occur sometime around the eclipse in your sign on April 20 as well as the eclipse in your opposite sign, Libra, on October 14. And trust that people are watching while you shine bright like the star you are. The people you surround yourself with—good and bad—say a lot about you, Taurus. Starting this March, it’s time to get rid of crappy colleagues and toxic friends. Which, yes, means you’ll lose some members of your crew this year, but try not to feel bad about it. You’re just freeing up space for all the new, better friends who’ll come around in October. You’re stepping into 2023 fully loaded and ready for action. And that’s very good news, because you’ll be getting lots and lots of your favourite things this year: attention. But it’s not gonna be all awards and TikTok followers—you’ll also be asked to get to work. Some of this may not be fun or easy, but you’ll be rewarded for your efforts starting in July. BY JA K E R E G I STE R The Most Important dates for love... January 12 Mars Retrograde, which started back in October, ends. Meaning, you stop having all those little arguments with your partner. Related: Your love-life skyrockets. March 2 Venus, planet of love, and Jupiter, planet of luck, form a conjunction. Forget Valentine’s Day—this is the best moment for romance in all of 2023. July 22 Remember how last year’s Mars Retrograde made things (a lot) less smooth with your partner? Well, now Venus Retrograde in Leo is slowing down your love life. Sorry!! It’ll end on September 3. December 9 Our faves Venus and Jupiter are opposite each other in the sky, creating out-of-this- world chemistry. Say hi to the day on which you’ll have the most romantic day of 2023—and maybe even your entire life? 2023 Edition GET T Y IMA GE S. 84 Chit ChatSure, your entire vibe is calm, cool, and collected, but right now, you’re so unwilling to be vulnerable that you’re closing yourself off from loving others. And you’re blocking others from truly getting to know you. This year is the time to change all that. May’s astro weather is attracting tons of love your way— start practicing opening up early so that you can be ready when it arrives. Honestly, there’s just nobody like you, Pisces. And this year’s astrology is teaching you to double down on that without holding back. March may be a tough month, and same for October. But stick to your values, honour your emotions, and don’t be afraid to express yourself and all of your many feelings (yes, all of them). It’s time for people to get to know the real you. You’ve always been the smarty- pants of the zodiac, but your words and actions carry extra weight once Pluto enters your sign in March. You’ll have a drive like you’ve never felt before, and you’re ready to get whatever you want. But a word of warning: It’s easy to become demanding or downright ruthless as you chase your goals, so try to avoid stepping on others’ toes. Prepare for flashbacks, because this year is all about the past. You’re spending time with family, the people you have history with (your oldest friends and maybe an ex or two), and, most importantly, yourself. Aka you’re sorting out how your past has impacted the person you are today. Your most reflective and reminiscent month will be March. You’ve spent a long time thinking about the value of partnerships, and now this year, you’re ready to commit. Whatever that specifically looks like for you, you’re yearning for deep, meaningful connections. And you’re going to get them, by, say, falling for a new cutie or getting even closer with your current S.O. Springtime will be especially lucky for your love life. Deep breaths, Virgo, because this year likely won’t be one for the highlights reel. That doesn’t mean it’s terrible—just that it’s about slow change and personal growth. Past friends and exes will reappear, you’ll be cutting some sh*tty relationships loose, and July may be especially lonely. But all of it means you’ll have a very clean slate for 2024. Although you’re all about balance (being the sign of the scales and all), your relationships—both romantic and platonic—are anything but, and you’ll spend most of the spring and summer fixing the drama. The best way to get through it is to let go of your ego and consider the other people’s needs, and by the end of the year, your ’ships will be unsinkable. This is it, Scorpy—the year your on-again, off-again situationship needs to be over (for real). Because while fooling around may be a lot of fun, it’s time for something that matters. Cut them loose and look for a real connection. If you’re already coupled up, concentrate on making sure you’re aligned on the important stuff. Start the hard work early and your love life can thrive. January 18 Oh, joyful day! The ürst Mercury Retrograde of 2023 ends. (Stay ready though: There are three more to come.) March 7 Saturn enters Pisces, which = you + Big Feels. Born from January 1994 to April 1996? Hello, Saturn Return. April 20 NBD, just the ürst solar eclipse in Aries in 17 years, leaving everyone feeling a lot more independent. July 17 The North Node is in Aries for the ürst time in nearly two decades, giving you permission to take a major me-day. December 13 The year ends the same way it started, with Mercury Retrograde. Use it to reýect on all of 2023! ...And for everything else Jan Oh, The Re 20 And for thing 85 Chit ChatChit Chat 86 PHOT O G R APH S BY D I S C O C U B E S Here’s a short and incomplete list of all the stuff women are constantly messaged about their fertility: Your eggs are getting old. Your biological clock is ticking. You need to nd a partner so you can be happy pregnant. You don’t have forever. Which can make it feel like the only time to have a baby is Right Now—even if you’re Not Ready. It’s *not* the only time. The world has entered an egg- freezing boom, with more women than ever opting to put their reproductive futures on hold. Stats about the exact number of patients aren’t clearly tracked (hi, that should change), but it’s impossible to deny the evidence all over the country—national clinic chain Shady Grove Fertility saw a 52 percent increase in egg-freezing clients last year; at NYU Langone Fertility Center in New York City, the uptick was 41 percent—and the growing whisper network of women everywhere. Among the expanding universe of egg- freezing advocates: AOC, Emma Roberts, and Kaitlyn Bristowe. By 2027, the global market is estimated to be around Dhs33 billion, a threefold increase from 2020. Already, there are sleek new Insta-grid-worthy clinics and at-home testing kits and supplements to improve your egg quality. And the spike in interest—and offerings—makes sense considering all the reasons women are waiting longer to have a baby these days. Yes, the pandemic. But also getting married later or choosing to prioritize careers and friendships and goals that don’t involve procreating, like, yesterday. (Or maybe ever. An increasing number of millennials are wary of parenthood because of climate anxiety and nancial insecurity.) Women are also waiting to have kids because ever since elective egg freezing became a widespread option in 2012, they can. Egg freezing seems poised to change women’s lives. And yet, ask Google about egg freezing and you’ll receive an avalanche of horror stories or glowing evangelism—but rarely what you actually need to know about the deeply personal, sometimes scary, very complicated process. We talked to dozens of doctors, fertility experts, and women who’ve gone through it (including, recently, Cosmo’s editor-in-chief) to bring you all the crucial info you need all in one place. The no-bullsh*t, not-scary, actually helpful guide to EGG FREEZING WO R D S BY ELI Z A B E TH K I EF ER Because the internet is shockingly light on useful info, your mom didn’t go through it, and there’s a TON of stuff no one tells you.87 Chit Chat Listen, just because you can doesn’t mean you have to. Here, the most common reasons people consider it…. You’re in your 20s or 30s and you just don’t want to get pregnant right now. You’re not sure if you want kids, but you want to keep your options open. You want to share DNA with your future child even if you don’t know when that future is. You have a health condition (like endometriosis, PCOS, or uterine fibroids) that could impact your fertility. Your family history includes high-risk cancer genes, early menopause, or infertility issues. You’ve had a series of abnormal Pap smears that could impact your ability to get pregnant. You’re undergoing a serious surgery or taking hormones. You have a kid now but don’t see yourself wanting another one for a while. How do I gure out where to go? FROM WOMEN WHO’VE BEEN THERE “My clinic assigned me a nurse advocate who was basically my BFF, therapist, and fairy godmother throughout the process. I could text her for anything.” —JANILLE Everyone at the clinic should feel like someone you could call in the middle of the night. This might (and TBH, probably will) happen. You’ll be there A Lot. So try for a clinic that’s close to home or work. Look for a place that has an on-site lab (moving eggs around can put them at risk). And ask about the clinic’s oocyte survival rate (the percentage of eggs that survive when thawed). Anything lower than 90 percent isn’t great. Instead of asking for live-birth stats (read: the number of babies born from frozen eggs), ask what a doc will specifically do to give you the best chance at a later pregnancy. So, should *I* be thinking about egg freezing? Make sure it Make sure it accepts your accepts your insurance or insurance or will work with will work with you to figure you to figure out a financial out a financial plan. plan. THE AVERAGE NUMBER OF EGGS YOU HAVE AT AGE 37 25k THE APPROXIMATE NUMBER OF EGGS YOU’RE BORN WITH 1 million FROM WOMEN WHO’VE BEEN THERE “Some people judged me, but guess what? Men have been been doing it for decades.” —ELLE 12345 These ve factors are key for nding a clinic you click with. SOURCE: THE AMERICAN COLLEGE OF OBSTETRICIANS AND GYNECOLOGISTS SOURCE: THE AMERICAN COLLEGE OF OBSTETRICIANS AND GYNECOLOGISTS88 Chit Chat Egg freezing is often done at massive medical centers that can feel impersonal. New practices like these are trying to change that. What about those cool-kid clinics tho? FROM WOMEN WHO’VE BEEN THERE “I’ve never had an ob-gyn I felt comfortable with. I tried Kindbody on a rec and they were so human. They treated me like someone they cared about, and it made all the diûerence.” —JESS, COSMO US’ EIC SP R I N G FE R T I L I T Y Lots of clinics offer patients a deal: If you freeze 20 eggs before age 35 or 30 between ages 35 and 37 and those eggs don’t lead to a successful pregnancy in the future, they’ll give you a refund. PR E L U D E FE R T I L I T Y This national network of clinics has a big emphasis on fertility education. It offers all the reproductive information you wish you had learned in health class plus all the medical services you need to freeze your eggs. MA T E FE R T I L I T Y The start-up is focused on making the egg-freezing process more affordable—as in, not just a luxury for a select few. One cycle, including monitoring, retrieval, freezing, and one year of storage (not meds, though, FYI), is a flat $5,000. FERTILITY CLINICS ACROSS THE COUNTRY 450 THERE ARE ABOUT KI N D B O D Y Come for the millennial- chic decor, stay for the thoughtful docs and the wellness focus. This national group provides fertility services, gynecology, therapy, meditation, and also coaches who can school you on nutrition. SOURCE: 2020 FERTILITY CLINICS & INFERTILITY SERVICES INDUSTRY (U.S.) REPORT Can I even a ord this? Maybe. Egg freezing is getting a lot more popular, but it’s still really expensive—and really inaccessible to a lot of people (especially people without health insurance or who live in underserved or rural areas without any clinics). Costs for the uninsured range anywhere from $6,000 to well over $20,000, with the average out-of-pocket bill looking something like this. Initial appointment: $500 At your first in-person visit with your reproductive endocrinologist (aka what fertility docs are called), you’ll get a transvaginal ultrasound and some blood work. Medications: $5,000 This covers all the hormone injections you’ll be prescribed. One egg-freezing cycle: $9,000 Included are the many, many doctor’s appointments you’ll need as well as the actual procedure. One year of cryo storage*: $600 Once your eggs are retrieved, they’ll go on ice until you decide to use them or don’t need them anymore. *For a truer, longer-term cost, multiply this by however many years you think your eggs will be in storage. Total: $15,100Chit Chat 89 …MAKING SURE IT’S ACTUALLY COVERED If your employer doesn’t cover egg freezing as part of its bene ts, Stork Club can work with your company to expand coverage. Drop them a line through their website and they’ll reach out to your HR department for you. …HAVE HEALTH INSURANCE Time to email your HR rep. Some employers have started offering fertility-related health care bene ts as a work perk, often through providers like Carrot or Progyny (Cosmo’s parent company, Hearst, uses the latter). Egg freezing is often largely covered under these plans. …SKIPPING THE BANK See if you can borrow from…your clinic. Many clinics offer a no-money-down, no-interest payment plan option, while CNY Fertility offers a lump nancing fee between $250 and $1,000, based on the length of your repayment contract. …ARE INTERESTED IN TAKING OUT A LOAN Ask your fertility doctor if they can help you get that process going. Many clinics work with nancial partners and fertility-specic lenders that are uent in what you’ll need. …DOING IT FOR SOMEONE ELSE If you are open to donating eggs and meet the eligibility requirements (these include age, BMI range, and a health screening), check out freeze-and-share options like MyEggBank or Freeze and Share, where you could receive a free cycle in exchange for some of your eggs. …PLAN TO PAY OUT OF POCKET The good news is that you won’t be stuck with a years-long bill, but before you shell out major bucks, make sure to shop around—the site Freeze allows you to compare costs across clinics. $$$ $$ (if you snag an interest-free loan or any type of refund if it doesn’t work out) Anywhere from $ to $$$ PAY EVEN LESS BY...SAVINGS = Covering the cost without draining your bank accounts. Now, how do I actually pay for it? FROM WOMEN WHO’VE BEEN THERE “My doc prescribed me meds a few days at a time. That way, I didn’t pay for what I didn’t use.” —ALMA IF YOU... IF YOUR PARENTS ARE DOWN TO HELP OUT The lender Future Family offers a friends and family plan that allows people to take out a loan on your behalf (hey, if they want grandkids so badly…).Next >