Problem: Article: A majority of scams follow similar types of fact patterns. This occurs because scammers know what works and what doesn't, and they try to scam you by doing what works best. First, scammers will use fear to try and get you to do something. For example, some scammers might say that a relative has been arrested and needs money. Second, scammers will try to rush you to make a decision quickly. The longer you think about what is happening, the more likely it is that you will not become a victim. Just as scammers use common practices like fear and panic, they will also use the same scams over and over again. If you can learn what types of common scams are out there, it will be easier to identify them and avoid them. Scams can take place online, over the phone, through the mail, and even in person. The most common scams include:  Advance fee scams, which occur when people tell you that you have won a lottery, or that you can invest in something, and all you have to do is pay a small fee upfront. Charity scams, which occur when people tell you they are collecting money for some charitable cause. In reality, once you make a "donation," the scammers keep the money for themselves. Internal Revenue Service (IRS) scams, which occur when people tell you that you owe money in taxes or that they need your personal information to make sure your taxes were filed properly. These people try to get money as well as personal information in order to steal your identity. Phantom debt scams, which occur when people contact you pretending to be debt collectors. They will threaten you and tell you that you owe money that you do not really owe. Phishing scams occur when individuals contact you claiming there is a problem with some account you might have (e.g., credit card accounts and loan accounts). They will tell you they can fix the problem, but they need to verify your personal information. Once they have your personal information, they use it to steal your identity. One of the best ways to keep up-to-date on recent scam schemes is to get government alerts. The Federal Trade Commission (FTC) offers an alert that is sent to your email periodically. The alert will give you tips and advice on how to avoid scams. If you want to sign up, you can do so through the FTC's website.
Summary: Examine common practices. Identify popular scams involving money. Recognize possible phishing scams. Get scam alerts.

Problem: Article: A latte has a ratio of one part espresso to three parts milk. To accommodate the coffee and steamed milk, you'll need a mug that can hold at least 10 ounces (296 ml) of liquid. Transfer the espresso to a larger glass and stir in the vanilla syrup.  You can also use vanilla extract and sugar if you don’t have vanilla syrup. Add between 1 teaspoon (5 g) and 1 tablespoon (14 g) of sugar, to taste. To change this from a vanilla latte to a different flavor, simply add a different syrup, such as caramel, peppermint, or hazelnut. Slowly pour the steamed milk into the glass with the vanilla espresso. To control the amount of foam, use a large spoon to keep the foam in the jug as you pour. When you’ve added all the milk, use the spoon to dollop extra foam into the glass if you like. Before drinking, give the latte a gentle stir to incorporate the coffee and milk. To finish your soy vanilla latte, you can top it with whipped cream, sprinkle cinnamon, nutmeg, or ginger on top, or garnish it with chocolate shavings. Serve the latte on its own, or with a cookie, such as biscotti, a ginger snap, or shortbread.
Summary: Combine the espresso and vanilla syrup. Add the milk. Garnish and enjoy.

Problem: Article: To create pin curls, you must start with evenly damp hair. Although you can just spray your hair to wet it, washing it will give you a clean slate and your curls will last for longer.  Towel dry hair after your wash to remove excess water. If you have very thick hair, give a little time for your hair to air-dry before creating the curls. You may need to mist the ends lightly to get even dampness in this case. The goal is to have your hair completely dry before removing the pins, so if you feel it is too wet let it dry a bit first. This goes even if you hair is not incredibly thick. You can also apply a setting lotion or thin styling gel to help the curls hold. This will prevent your hair from becoming frizzy and any of the pins from coming loose.  Try using a cotton scarf or bandana, so that it will absorb some of the moisture from your hair. This will also reduce the static cling created from the friction of the scarf on your hair. If you put your pin curls in at night, sleep with the scarf in. Make sure that it is secure enough that it won’t slip from your head while you snooze. It is easiest to create your pin curls at night before you go to bed and then sleep on them. You can also just sit around and wait for them to dry. Regardless of when you set your curls, be sure that your hair is completely dry before you remove the pins.  Avoid using a hair-dryer on your pin-curls, as it will make your hair frizzier and lose its curl. If you’re in a hurry,  use a diffuser on your dryer to minimize frizz. Make sure the dryer is on the lowest setting.  If your hair is still damp, give it more time to air dry. Test one of your curls to see if it is dry enough. Remove the pins from the single curl, and unravel your hair. Check to verify that the entire strand is dry. If it is, your pin curls are ready.
Summary:
Wash your hair. Wrap your head in a scarf or bandana. Wait several hours.