Problem: Article: One perk of having an offshore bank account is being able to choose what currency your money is held in. This, however, has its major advantages and disadvantages.  The advantage of holding your money in a foreign currency is the ability to hedge against depreciation or an unstable currency. If your currency is unstable and/or steadily losing value, this perk might be a significant advantage. The disadvantage of holding your money in a foreign currency is that you may be subject to foreign tax laws and you will experience fees to exchange currencies. Most modern offshore bank accounts effect transfers by electronic wire transfer. Many offshore banks do not accept foreign checks, and carrying money around may be impractical and/or dangerous. Shop around for competitive rates, as banks will typically charge a wire transfer fee when you deposit money. If you can find a bank that does not charge wire transfer fees, you might consider banking with that institution. Although most banks will issue a debit card associated with your account, you may need to pay fees in order to withdraw funds from your bank account.  Offshore banks generally do not issue checks for withdrawal purposes, for privacy reasons. Additionally, checks drawn on foreign accounts are often not accepted by other banking institutions. For this reason, consider holding money in two accounts: one offshore account, and one domestic account. You'll be able to wire transfer funds from the offshore account over to the domestic account, where you won't have to deal with unknown hassles.
Summary: Choose what currency your want your money to be held in, if possible. Learn how to deposit funds into your account. Learn how to withdraw funds from your account.

Problem: Article: Texting doesn't vary that much depending on the phone, but there can be some slight differences, especially between older cell phones and smart phones.  For example, you might see “messaging” on a phone's menu to start the texting process. Or you might see “Send SMS” instead. It means the same thing. Newer smart phones will offer keyboards that are touch screens. You will use this to type the message. On older phones, you will need to use a keyboard built into the phone itself, that doubles as the buttons you press with numbers to call people. Be aware that you may have to pay to receive or send texts.  Some cell phone plans have unlimited texting built into the plan. If you're going to be texting a lot, this might be a better idea. Some plans will only let you send a certain number of texts per month before incurring overcharges, though. If you don't have an unlimited plan, you could be charged something like 20 cents per text, so make sure you research the costs beforehand.
Summary: Research your own phone's manual. Check the cost with your phone service provider.

Problem: Article: Stand up straight with your legs slightly wider than shoulder-width. Lean forward until you can touch the ground. Stretch your left leg straight out to the side. At the same time, bend your right knee into a partial squat. Start by doing 5 reps of this move on each leg. You can always build up to more reps as you develop. Get down on all fours on an exercise mat. Slide your knees apart while keeping your toes pointed back. Slowly move your hands forward on the mat. Your torso will start to lower towards the mat. In a controlled way, let your hips shift towards the mat, while your thighs will continue to open outwards. Hold this position for 30 seconds before regaining your starting position. Depending on your level of flexibility, your hips may not open all the way. It’s okay to prop yourself up on your forearms or hands. You can even continue this move until you are completely lying down and then repeat. Position yourself with your hips pushed against a wall and your legs stretched out vertically on the wall. Slowly slide your legs along the wall to separate them, moving into a straddle position. Your heels should stay touching the wall the entire time. Stop and hold the position for 1 minute when you start to feel tension in your hip muscles. Return your legs to their starting position and repeat. If you want a more challenging stretch, press your hands against your thighs as you move your legs outwards. Position yourself in a kneeling position with both knees on the ground with your legs flat on the mat behind you. Move one of your legs forward in front of you with the knee in a right angle position. Place your hands on your hips, keeping your torso in a vertical position. Then, slowly lean your hips forward. When you feel tension in your muscles, hold this position for 30 seconds. Return the leg to its prior position and repeat with the other leg.  If your form is good, you should feel a stretch in the front of your thighs and your groin area. If you feel the stretch somewhere else, you may not have the right form. At least 1 of your calves should be behind you and lying flat on the mat throughout the exercise.
Summary: Do a series of half-squats. Perform a frog stretch. Complete a wall straddle. Hold a half-lunge.

Problem: Article: When you come across a news story, run a search on the topic to verify its authenticity. See if other news organizations are reporting on it, or if there’s just one random source making unsubstantiated claims. The British Broadcasting Corporation (BBC), The New York Times, The Washington Journal, National Public Radio (NPR), and The Atlantic are just a few of the most respected news organizations. In addition to reputable news sources, there are a number of websites that debunk fake news stories. If you come across a suspicious story, see if it’s been vetted by sites such as:  FactCheck.org (http://www.factcheck.org/) Politifact (http://www.politifact.com/) The International Fact-Checking Network (https://www.poynter.org/channels/fact-checking) When in doubt, get in touch with someone who could help you better understand the topic or recommend reliable sources. It could be a teacher or professor, librarian, or someone who works in the industry discussed in the suspicious article. For instance, ask your history or social studies teacher about a suspicious article you read about foreign affairs. If you read an article about a new diet fad, talk to your biology teacher or a medical professional in your social network.
Summary:
Search for articles on the topic published by other news organizations. Consult fact checkers. Ask someone you know who has expertise on the topic.