Q: Astro.com and cafeastrology.com are great websites for building your chart. They're free and generate high-quality, detailed astrological charts. Go to astro.com and click on “free horoscopes” near the top right of the web page. In the menu that pops up, choose “Extended Chart Selection.” At this point, you can choose to continue as a guest or create an account. Creating an account allows you to access your chart at any time. Enter your email address and create a password. If you're using cafeastrology.com, don't create an account. You can still make a chart as a guest. Type in your name, your gender, and the date, time, and place of your birth. Astro.com only requires the city of your birth, and will automatically calculate the latitude and longitude for you. When you start entering the city, the website will give you suggestions to choose from. The time of birth setting uses military time, so make sure you’re entering that correctly.  If you were born after noon, add 12 to the hour you were born to get the correct military time. So, for example, if you were born at 6:57 pm, in military time you were born at 18:57. If you're using cafeastrology.com, go to http://astro.cafeastrology.com/natal.php to fill in your birth data. For many websites, putting your name and gender does not actually affect your chart. Cafeastrology.com only has "man" and "woman" options for gender. It doesn't affect your chart, however, so don't worry too much if you don't identify with a binary gender. Astro.com also has an option under "gender" called “event.” You can use that if you don't identify with binary gender labels. Once you’ve finished entering your birth information, click next. The next screen that comes up shows all of the charts that Astro.com offers. Choose “Circular chart” under the "Methods" menu. A circular chart is the easiest type to read, especially if you're new to astrology. Then, in the drop-down menu for “please select a chart type,” choose “natal chart wheel.” If you're using cafeastrology.com, click "ok" under the area where you entered your birth data. This will take you directly to the description of your natal chart. On cafeastrology.com, you won't see a circular chart. Instead, you'll get a few tables that list the positions of the signs at the moment of your birth, and then a long written description of your chart. There are a lot of different options for choosing a House system. The House system in your chart is how your chart is divided up. The most common are Placidus, Koch, and whole signs. Choose “whole signs” under the “House system” drop-down menu to get a good basic chart. Once you’ve entered all of your information and settings, you’re ready to see your chart. There’s a blue button at the bottom of the screen that says “Click here to show the chart.” Go ahead and click that button. The website will then generate a chart for you.
A: Create an account on an astrology website. Enter your data. Choose “circular charts” under “methods" on the next screen. Scroll down to “options” to choose your house system. Click the blue button at the bottom of the page.

Q: When you add someone to your credit card account, they are able to legally make charges using your card. Obviously, granting another person access to your finances is a major decision so you should know the pros and cons before beginning the process.   Adding someone to your credit card account has many advantages. If someone cannot apply for a credit card on their own due to poor financial history, it may enable them to build a credit score depending on the credit card issuer or help them learn how to manage money if they are paying you back each month. You can make sure someone has money available in the event of an emergency. Having one credit card account is often more convenient than creating multiple ones. Adding someone to your credit card has its drawbacks as well. There is an added liability, as you're legally responsible for all actions an authorized user takes. Any missed payments or credit score damages affect the both of you. Shared accounts have also lead to strained relationships between users, as blame comes into play if there are issues with payments. When you add someone to your credit card, they're either a joint account holder or an authorized user. The responsibilities and rights of this person change greatly depending on their status.   An authorized user is entitled to use the credit card issued to the card's holder but have no financial responsibility when it comes to paying back any accrued loans.  Joint account holders share ownership of the account and have as much liability when it comes to repaying the debt as the original card holder.  You must make a decision, depending on the financial situation of both parties involved, whether the person you're adding will be a joint account holder or an authorized user. Many people wonder, when adding someone to their credit card, how and if this action will affect your credit score. This is information you should understand before making any decisions.   Credit reports generally don't supply information on authorized users. Adding a user in and of itself should not affect your credit score. However, you are responsible for any charges this person makes. If the new authorized user abuses their privileges, you could end up with large debts you are not able to pay. This will affect your score. The new user's credit score will actually be affected more directly. If the credit card issuer reports authorized users, the account will appear on their credit report and their credit score can change for better or for worse depending on your financial history. When you add a joint account holder, both parties will appear on each individual's credit report. Much like adding an authorized user, this will not affect your credit score in and of itself. However, a joint account holder cannot be easily removed from the account if there are outstanding charges. Your credit report might be affected more severely due to the potential longevity of any damage done.
A:
Know the pros and cons of adding an authorized user. Distinguish between an authorized user and a joint account holder. Know the effect on your credit score.