Problem: Article: Allow the oven to preheat for at least 30 minutes or up to 60 minutes. Meanwhile, prepare a pizza stone or round baking sheet by coating it with a fine, even layer of cornmeal or flour. Place one rounded ball of dough onto a lightly floured work surface and gently stretch it into a flat circle. Use your hands to push out the edges. If necessary, use a lightly floured rolling pin to flatten the dough to a thickness of 1/4 inch (6 mm) or less. Alternatively, spread the dough out as much as possible on the work surface, then carefully pick it up. Place both fists beneath it and gradually stretch the dough out further, using a circular motion. Note that if the dough shrinks back while you roll it out, allow it to rest for 5 minutes before continuing. Carefully lift the dough and place it onto the prepared pizza stone or baking sheet. Use your fingers to reshape it as needed. Use a pastry brush to lightly coat the top and sides of the dough with olive oil. Use just enough oil for a light coating; do not drench the crust. The oil should help the crust remain crisp even after you add the toppings. Ladle up to 1/4 cup (60 ml) of pizza sauce over the center of the dough. Use the back of the ladle to spread the sauce to the edges. Ideally, you should leave 1/2 inch (1.25 cm) between the edge of the sauce and the edge of the pizza dough. Leaving a little space should prevent the sauce from bubbling over the edge of the pizza and making a mess. Spread your cheese over the sauce, followed by the prepared meats and vegetables. Finish by sprinkling the pizza with the chopped herbs. Continue to leave 1/2-inch (1.25-cm) of the outer crust edge uncovered. Add toppings sparingly. If you add too many, you run the risk of drowning out the flavors instead of allowing them to complement one another. Place the pizza in the oven and cook it 10 to 15 minutes, or until the cheese looks golden and the crust looks golden-brown. Consider rotating the pizza after the first 5 to 7 minutes to ensure even browning. Remove the pizza from the oven and let it cool for several minutes. When it is cool enough to handle, slice it into serving portions and enjoy.
Summary: Preheat the oven to 450 degrees Fahrenheit (230 degrees Celsius). Flatten and shape the dough. Transfer the dough to the pizza stone. Brush olive oil over the crust. Spread sauce over the dough. Add your toppings. Bake the pizza. Slice and serve.

Problem: Article: 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.
Summary:
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.