Problem: Article: Many people are surprised to know that, with the necessary information, anyone can be added as an authorized user on a bank account. However, adding someone to your account gives them access to your finances and that puts you in an incredibly vulnerable position. It is not recommended you add anyone if you have not firmly established a personal or professional relationship with that person.   You should select someone you can fully trust or someone who is as invested on keeping the account's integrity intact as you are. The majority of authorized user relationships are couples, parent/child, and employer/employee. Remember, the more established your relationship with the person the better. Most of the time, you can add authorized users over the phone or online. Bank policies do vary and your specific bank might have special requirements depending on your circumstances.   Call your bank and ask them how to add a user. Some banks can do this over the phone or online, but you may have to go in to discuss the issue in person or fill out a paper application. Any questions you have should be addressed with the bank. Ask them how to remove an authorized user or joint account holder and what your exact financial responsibilities are in regards to the card's use. Remember, you're taking a risk by giving someone access to your finances. You should go in with as much information as possible. Make sure you have all the information necessary before attempting to add the user. Most banks require the following information to add a user to your account:   The user's name Their date of birth Their social security number Your bank might want other information depending on their policies. Check their requirements beforehand to make sure you have everything you need before setting things up.
Summary: Know who can be added to an account. Find out your bank's policy. Gather the needed information.

INPUT ARTICLE: Article: Any time you interact with another person, take a second or two to acknowledge him. Because you never know what is going on in another person’s life, a simple “hello” or “thank you” can go very far in making the person feel worthy and happy. In turn, the person’s reaction may bring you joy with the response you get.  Start off any interaction with a smile. It doesn’t even need to be a big, toothy grin. A smile to a person you walk past may get a smile in return. Generally, the nicer you are to others, the more they will want you around and you’ll experience the positive social consequences. Make eye contact whenever you can. Consider greeting others with a cheerful “hello.” Remember to say “please” and “thank you.” Saying these things and incorporating positive behaviors become a habit over time. Even at tough times, they can offer a glimmer of humanity to other people who are struggling. Doing something nice for another person, like offering a compliment or paying for her lunch, can bring both of you a lot of joy. In any situation, consider making a small and kind gesture to another person. Not only will this bring the other person joy, but may also brighten your spirits. Keep in mind that you don’t have to do something grand. Buying coffee for a friend or colleague who is having a hard time or giving someone a kind word can help the other person—and you—be joyful. There are a lot of people in the world who are less fortunate than you. They may not have a home, job, or their health. Giving some time to these people can give them a glimmer of hope and joy and make you feel great, too. Offer your time to a health facility or organization that provides aid to those less fortunate than you. Consider working at a place where your skills may be especially welcome. For example, if you like to paint, you could volunteer to paint with sick children or the elderly. You could also help individuals living in shelters develop their job skills.

SUMMARY: Acknowledge a person’s presence. Offer simple acts of kindness. Volunteer your time with the less fortunate.

In one sentence, describe what the following article is about: “Created,” “lab created,” “laboratory grown” or “simulated” are keywords that indicate the emerald is synthetic, not natural. “Chatham” emeralds are also man-made. Be wary of the way a seller uses the word “genuine.” Created emeralds are indeed genuine synthetic emeralds, not genuine natural emeralds.  Jewelers may tout created emeralds as physically, visually and chemically the same as natural emeralds. However, they are nowhere near as valuable as natural emeralds. Other terms used for synthetic emeralds are Gilson, Inamori, and Seiko.  ”Imitation” emeralds are not the same as lab-created or  natural emeralds. They are various materials such as green glass or green cubic zirconia.  ”Composite” gemstone such as doublets or triplets are stones fused to other materials, such as an emerald top glued to a green glass bottom. Determining the value of colored gemstones takes years of experience. While you can do your own research, it’s best to utilize the guidance of a professional when considering such a large investment. Find a jeweler who has gemological credentials, is informed about emeralds, and has multiple natural emeralds with different styles that you can view simultaneously.  Research the place from which you are buying your emerald. There are many synthetic and imitation emeralds on the market, and it is imperative to be certain you are purchasing yours from a reputable dealer. Look for online reviews of the seller that come from a website other than the seller itself. Gemological credentials come from a educational organization like the Gemological Institute of America (GIA) or the American Gem Society (AGS). The jeweler will have initials after their name, such as RJ (Registered Jeweler) or CG (Certified Gemologist). You can look up the initials in a search engine to find out exactly how much education the seller has achieved in their field. Because they are prone to fractures, most emeralds are treated somehow. However, if the stone was significantly treated to improve its appearance and hide flaws, the emerald may appear higher quality than it actually is. If the stone was treated, find out whether the treatment is major or insignificant. Ask if the stone has been examined for fillers. Get a report from an independent laboratory that can confirm the emerald is natural and to what extent it’s been treated.  Don’t rely on a lab report that comes with the stone and is labeled as “independent.” Find your own, unbiased third party, such as a certified gemologist or appraisal organization. Stones may be sold without the seller disclosing the fact it was clarity enhanced, which is considered a deceptive practice.  Some polymer type resins will disintegrate and yellow with age. Avoid emeralds with certain oil treatments, as oils like cedar will cause yellow staining inside the stone after repeated oiling. Also remember all oil treatments will dry out and require re-oiling.
Summary:
Look for keywords that indicate origin. Evaluate the trustworthiness of the seller. Find out if and how the emerald has been treated.