Q: A "529 Plan" gets its name from section 529 of the U.S. Tax Code, which establishes such plans and the tax benefits connected to them. A 529 Plan allows you to invest money, and the income from the investments will grow tax-free. In addition to saving on federal taxes, there may be benefits on state taxes as well, depending on the state where you live. For more detailed information on establishing a 529 account, check out Choose a 529 Account. 529 Plans exist as either "Direct Sold" savings programs, which you buy directly from a plan manager, or as "Broker Sold" plans, which you arrange through a financial adviser. You may need to pay professional fees for a broker sold plan, but you get the benefit of the financial adviser's experience. To review the plans that are available, you can visit www.SavingforCollege.gov, which provides a list of all the plans available, state by state. You can review the plans, get details on the investment possibilities, and even enroll right there online. Prepaid tuition plans are sponsored by the government of individual states. To set up a prepaid tuition plan, you will contact your state's prepaid tuition program and select a contract. A contract allows you to make periodic payments toward the future estimated tuition costs. The contract sets tuition at today's current rates, for future attendance. As you make periodic contractual payments, the money is set aside in the form of credits, which you will then use when you attend college. To find the prepaid tuition plans available in your state, just search online for "prepaid tuition plan" and the name of your state. You will find the state office that manages the plans, along with information about how to enroll and begin investing. The money that you invest in a prepaid tuition plan is generally fully refundable if it is not ultimately used to attend college. However, you should check with the plan manager for specific details and possible fees. Buying federal savings bonds from the U.S. Treasury allows you to make an investment in college that will enjoy some tax benefits, while encouraging you to save money. You can purchase education savings bonds online at www.treasurydirect.gov, in amounts ranging from $25 to $10,000. The maximum purchase is $10,000 per year. The interest that you earn on federal savings bonds can then be excluded from your taxable income when you cash in the bonds to attend college. To purchase bonds, visit www.treasurydirect.gov and open a personal account by using the link "Open an Account" in the top right. You will need to provide some confidential identifying information. From there, you will be able to make investments, purchase bonds, and manage your account. For more information on the tax benefits of savings bonds, see the IRS Publication 970, "Tax Benefits for Education," available at www.irs.gov. For specific help regarding the tax benefits of savings bonds, you should speak with an accountant, tax lawyer or other tax professional. A Coverdell Educational Savings Account (ESA) is a way to invest money, through a broker or financial adviser, that provides great flexibility and tax advantages. Contributions are not tax-deductible, but the investment earnings are tax-deferred, and withdrawals that are used for education costs are tax-free. To establish a Coverdell ESA, contact a brokerage firm, mutual fund company, or other financial investment institution.
A: Open a 529 savings plan. Invest in a 529 prepaid tuition plan. Buy savings bonds for college. Invest in Coverdell ESAs and custodial accounts.

Q: Use a comb to draw your part along either side of your head. Brush the hair on both sides of this part to keep it smooth. To create this look, you'll create a partial French braid that drapes down along one side of your head. As you form the braid, though, you'll leave some hair hanging down from beneath it, creating a "waterfall" effect. This style may be better for individuals with short hair that comes to at least their shoulders or just above their shoulders. Alternatively, if your hair is very short you can try to do a waterfall braid on a section of your hair, not your entire head. Gather approximately 2 inches (5 cm) of hair toward the front of your face. This section of hair should be taken from the wider side of your part. If you have long, sideswept bangs, your first section of hair will mostly consist of your bangs. If not, draw the section from the hair closest to your part and at the front of your face. Split the section of hair into three equal portions, then braid those portions together into one or two full braids. To form a single braid, cross the left portion of hair over the middle portion, then cross the right portion of hair over the new middle portion (previous left portion). Gather a new portion of hair into the braid by drawing it from the top of your head.You'll add this hair to your braid using a traditional French braiding technique. Pick up a section of hair directly next to the topmost section of your braid. The section should be roughly one-third as thick as the overall braid. Draw the new portion together with the current topmost piece, essentially forming one large portion. Create another single braid using this newly joined portion of hair. Gather a new portion of hair into the braid from beneath. Instead of incorporating it into a standard French braid, however, you'll use this new section as a substitute for an old section. Pick up the second new portion will from directly beneath and behind the braid. Draw together a portion of hair roughly one-third as thick as the overall braid. Drop the current bottom portion of the the braid and allow it to hang loose down the side of your head. Create one new braid using the new bottom portion. Leave the previous bottom portion alone. Continue drawing new hair into the braid using the same technique as before. Braid the hair in this manner until you reach the back of your head. Each new portion of hair taken from above the braid should be woven into the braid with the previous top portion. Each new portion of hair taken from beneath the braid should be woven into the braid instead of the previous bottom portion. Tie the loose end of the braid off with a small elastic hair band. Allow the loose ends to hang down naturally off the back of your head. Carefully brush the loose hair hanging from beneath your braid to remove any tangles and smooth out any frizz. Check your braid in the mirror. If you like the way it looks, the braid is done and ready to show off. If not, unbraid and redo until you have the desired look.
A:
Part your hair along the side. Grab a section of hair. Create a few braids from this section. Gather new hair into the braid. Pick up a new section from the bottom. Repeat to desired length. Secure the braid. Sport your new braid.