Article: From fashion hip hop dance pants to the tighter fitting crop pant combined with a pair of heels, you'll find that there are more choices in sweats than ever before. Combined with a crop top and a hoodie or a jersey, your hip hop look can go from flab to fab in a matter of minutes. If you are looking to go completely retro with your hip hop look, consider the Adidas track suit or the spandex pant. Shoes for women looking to complete their hip hop look come in a wide variety of style, colors, and brands. Baby Phat may get you noticed with a pair of trendy high top boots while a pair of Pastry sneakers will brighten up the casual look. Bright colored high top sneakers Neutral color Converse Fashionable stiletto heels High heel over the knee boots Gone are the days of bandanas and Kangol hats. Headband wraps, braids, and poufy hair are here; and the bigger, the better. Whether you are looking for a classy style or something a little more inventive, have fun with it. Hip hop is a state of mind and your hair says a lot about the look you are trying to achieve.
Question: What is a summary of what this article is about?
Choose a colorful pair of sweatpants. Decide on casual or high style shoes. Go all natural with your hair.
Article: There may be both employer-based and private funds. Retirement accounts include 401K plans, IRAs, Roth IRAs, pensions, and trusts that mature at retirement age, typically age 65 years. You will need statements for each account for both parties that are current as of the mutually agreed-to valuation date. If your retirement plans are simple, for example, each party has a plan from their employer, you can agree that each will retain their own plan without distribution to the other. If there is a significant disparity in balances, other assets can be ceded to make up the difference. If you have a variety of retirement plans, you will need to know which federal law pertains to the distribution. Failure to correctly categorize your retirement assets could lead to not only complications in the divorce, but also tax consequences. Seek the assistance of a lawyer or accountant if you are unsure how to handle different accounts. A "qualified plan" is set up by your employer and you receive tax breaks for your contributions. This includes pensions and 401(k) plans. Qualified plans are split using a Qualified Domestic Relations Order (QDRO.) A QDRO is a court order instructing the plan administrator to pay out a portion of the balance to the receiving spouse. The amount is typically 50 percent of the value of the assets dated from the time of the marriage to the date of the divorce. The receiving spouse is responsible for all taxes and penalties of this distribution. A QDRO is a very specific document that must contain certain information to be valid. IRAs and other private retirement accounts are divided using a procedure called "transfer incident to divorce." A property settlement can designate individual retirement accounts, in part or in full, to one spouse. The financial institution will either treat it as a rollover or a distribution depending on how the decree is worded. Poorly worded QDROs and IRA transfers can trigger significant taxes and penalties. If the transfer is not approved by the court, the IRS may require amended tax returns. It is not recommended that you write your own QDRO or transfer unless you have significant legal or financial experience. A lawyer or account can prepare these documents to attach to your property settlement. Few subjects are more complicated and fought as hard in divorces as military pensions and survivor benefits. Even in the most amicable of divorces, discussions of military benefits should be conducted with a lawyer skilled in The Uniformed Services Former Spouses' Protection Act (USFSPA.) There are several considerations in dividing military benefits. The accrual date is either the date of the marriage or the date of entry into service, whichever is later. The marriage must have lasted at least ten years and overlapped time in service by at least ten years. This is called the 10/10 rule. The order must specify if calculations are based on Gross Retirement Pay or Disposable Retirement Pay and take cost-of-living increases into consideration. If one spouse is on active duty during the divorce, the requirements of the Service Members Civil Relief Act must have all been met. The non-military spouse should consider enrolling in the Survivor Benefit Plan. After the divorce, non-military ex-spouses can apply to the military via form DD 2293 to begin payments. You will have to submit a certified copy of the decree showing the property settlement that orders division of military pension benefits. Legal assistance for active duty soldiers and retirees may be available from the Judge Advocate General (JAG) office. However, check to make sure the attorney has the specialized training and experience in handling sensitive financial matters related to divorce.
Question: What is a summary of what this article is about?
Identify the retirement accounts. Determine which law covers each type of plan. Evaluate division of military benefits.
Article: Pick a book or magazine that's the same size as or smaller than your textbook, and hide it behind the book so you can see it. Remember to look up occasionally to see if your teacher is walking around and to pretend like you're paying attention. Use a smooth, weighted pen or pencil to start, and figure out how to balance it on your fingers. Then, hold the pencil between your thumb and pointer finger, and use your middle finger to push the pencil around your thumb. Be sure to catch it as it spins back around into your palm! This skill takes some practice, so it's great for killing time in class. Beware that you'll probably drop your pencil frequently when you're first learning how to spin it. It may be best to only try this if you're sitting near the back of the class! Entertain yourself by counting how many students are wearing a school sweatshirt, or try to guess which color car will drive by the window next. If you're sitting by a friend, quietly make bets on what you think will happen. Try to keep your games lighthearted and fun. Remember to be polite and respectful to your classmates, especially if they're paying attention and involved in the lesson. If your teacher allows food in class, pop a piece of gum or candy in when you start to get bored. This will give you something to do and can help keep you awake. You can even make a game by closing your eyes and trying to guess the flavor if you have a few different candy flavors. For computer-based lessons or advanced classes, you might be able to have a laptop or tablet to take notes and do exercises. During a boring class, pull up social media or open up a simple game, like Minesweeper or Snake, to keep yourself entertained. Remember that the people sitting around you will be able to see your screen, so avoid browsing on questionable sites. If your school doesn't allow laptops or tablets in class, be sure to keep yours out of sight. It's very difficult to hide a tablet or laptop, and if you get caught, your teacher might confiscate it. Remember to turn the sound off on your tablet or laptop so you don't disturb other students. If you're in a computer class, ask your teacher if you're able to wear headphones. This is a riskier move if your school doesn't allow students to use phones during class. Try to keep your phone concealed by holding it under your desk, in your pocket, or behind a book. Stick to short messages that you can type quickly without looking, like "So bored in class."
Question: What is a summary of what this article is about?
Read a magazine, comic book or novel secretly. Learn to spin a pencil over your thumb. Make a game out of the class with a friend. Chew gum or eat a piece of hard candy. Play with a computer or tablet if you're allowed to. Text your friends secretly during class.