INPUT ARTICLE: Article: In these scams, the scam artist poses as an employer, gains the trust of the person being scammed, and then obtains access to their bank account by either:  Asking for bank account information in order to make direct deposit payments. “Hiring” the person being scammed to deposit checks for them and then wire them the cash. The problem with this scam is that the original check provided by the “employer” is a fake one, and by the time the banks figure it out the person being scammed has already withdrawn and sent the cash, and so becomes responsible for paying back the bank while the fake employer gets away with the money. In some cases, a scam artist might send an email to you posing as an employer who found your resume online and who has a potential employment opportunity for you.  They’ll typically invite you to complete a fake online job application that asks for sensitive personal or financial information. They can then use this information to access your bank accounts or other personal accounts in order to get money from you. There are a huge number of scams that focus on convincing people that they need to provide some sort of sensitive personal information such as a driver’s license number, a PIN, passport information, bank account numbers, credit or debit card numbers, or social security numbers.  These scams will usually try to convince you that you need to provide this information in order to move forward with a job application or to access some service that you think you’re purchasing. Most legitimate businesses and employers will not ask for this type of information, and if they do, they’ll do it in a secure, documented, and traceable way. There are a number of websites that offer to help you file for unemployment benefits in exchange for a small service fee.  These sites are scams designed to take not only the money you pay them as a fee, but also to obtain important personal data such as your name, address, phone number, email, and other sensitive information that can then be used to access your bank accounts or other sources of funding. Always remember that the only way to file for unemployment benefits is directly through official government paperwork or websites. Never trust anything or anyone that offers to file on your behalf or by using something other than state-issued forms or government websites. Working overseas is an appealing idea to many people, especially those who have recently lost a job or who are looking to make significant career changes. Many scam artists will leverage this appeal to convince people to fill out fake job applications or to send them personal or financial information that can then be used to gain access to people’s bank accounts or other personal accounts. A common approach used by many scam artists is to send emails posing as the government. These emails typically tell people that they need to fill out a form or provide the state with some sort of personal information that can then be used by the scam artist to access people’s accounts.

SUMMARY: Learn about payment transfer scams. Watch out for scams disguised as job invitations. Beware scams that ask for personal ID verification. Understand unemployment benefit scams. Beware scams that offer overseas job opportunities. Watch out for scams posing as the government.


INPUT ARTICLE: Article: Gain confidence in who you are. Life will be much easier when you have the courage to appreciate your self-worth. This doesn't mean becoming self-absorbed. It means taking care of yourself and respecting that you are a precious being like everyone else.   Look for things you like about yourself. Whether you are looking in the mirror or just thinking about your personality, focus on the positive. Be kind to yourself. Do something you enjoy or eat a special meal once in awhile. Be proud of your personality and preferences. From nerd to jock, from athletic to bookworm, you are unique and it's important to honor the expression that fits you rather than squeezing yourself into someone else's expectations. Your main responsibility as a teen is probably schoolwork. While there are many social and emotional distractions, remember that your education is meant to help you in the future. Develop good study habits. Long hours of study don't necessarily show results unless you're studying wisely. Study in a place where you will be most productive and with minimal distractions. Use flashcards, memory games, or review sheets to reinforce new information. Remember to take breaks and stay positive! Keep your mind and body active by eating healthy foods every day. Your body is still growing, and you need to nourish it along the way. A balanced diet includes a large number of vegetables, fruits, proteins, and grains. Avoid processed foods, sugary drinks, and sweets. Remember to eat your three meals per day, especially breakfast.   Do not overeat. Overeating, especially eating junk foods, can cause health problems in the future. If you have a problem with overeating or weight gain, seek help from a doctor or nutritionist. Do not starve yourself. Skipping multiple meals to lose weight is a sign of anorexia nervosa. Anorexia is a serious eating disorder that poses many health risks. If you or someone you know struggles with anorexia, seek counseling immediately.  Bulimia nervosa is another common eating disorder, especially among teenaged girls. Bulimia is characterized by overeating and then rushing to a bathroom to vomit all that was consumed. This, too, is a psychological disorder that requires serious attention. Teenagers should for about one hour per day. You may have to participate in a physical education class at school, but there is more fun to be had! Adding a physical activity after school can nicely balance out your day. Search for an activity that suits your interests.  Consider joining a sports team or taking a dance class. Any type of body movement will decrease your chance of suffering from ailments in the future. Exercise also releases a chemical in your brain called endorphins. Endorphins will keep you in a positive mood! Between school, homework, extracurriculars, and socializing, it can be a challenge to get enough rest. A healthy amount of sleep helps with performance at school, social interactions, and the ability to handle stress. Make an effort to sleep for at least eight to ten hours each night.  Develop regular sleep patterns. Research shows that teens often develop irregular sleep patterns like staying up late during the week and sleeping in on weekends. This irregularity can cause poor sleep quality in the long run. There are a decent amount of steps you can take when you're feeling overwhelmed by emotion or sad and lonely. Here are some suggestions for how to cope with a feeling that makes you upset:  Name the emotion. Think about your emotions and try to name them. Say, "I'm feeling jealous right now," or "I feel sad, but I'm not sure why." Write about the emotion. In your diary or even in a note on your cell phone, write down the emotion, how you're feeling, and what's going on in your life. Understand the circumstances behind a feeling. What caused you to feel this way? Was it unexplained, or did something happen in your life to cause this emotion? Calm yourself down. Whether you want to take a walk, call a friend, do some deep breathing, or watch a funny cat video, find a way that helps you become less distraught and overwhelmed. Find some activities that you enjoy. This will give you something to look forward to during the day. Your school or community may offer fun evening classes. Try joining a chess club or taking a cooking class. Make the most of your teen years. Enjoy life while you are young and have fewer responsibilities. Teenage years might be rough to handle, but it's quite possible that you will miss this carefree and youthful time once you're older.

SUMMARY: Love yourself. Stay focused on your studies. Maintain a balanced diet. Exercise regularly. Get enough sleep. Learn to regulate your emotions. Try new things. Have fun!


INPUT ARTICLE: Article: Open the clip and place it against your head so that the jaws of the clip are on either side of your braid and the end of your braid falls just over the hinge. The tail of your braid will be sticking out over the clip. Now that the clip is in place, check for areas where it's showing. You want the braid to completely hide the clip from view. If you see a place where the clip is poking out, gently loosen that section of your braid just a little to cover it. Use bobby pins if necessary.

SUMMARY:
Insert the clip around the braid. Loosen your braid to cover the clip.