Q: For a stylish look, factor in your flats with the rest of your outfit. Maybe you wear black flats with black tights to contrast a colorful dress. Or perhaps you wear gray flats to match a gray sweater and skinny jeans. Think about how you can color coordinate your flats with your outfits.  You may match your flat color to the color of your tights for a more sleek look, such as black tights with black flats. Or you may mix it up and wear a contrasting tight color with your flats, such as navy tights with black flats or black tights with gray flats. Wearing brightly colored flats can be a fun way to dress up a simple outfit, especially in winter when you may wear a lot of dark colors. Don’t be afraid to add a pop of color to an outfit with a pair of colored or patterned flats. If you are wearing flats to the office during the winter months, you may go for flats that have added details, such as rhinestones, sparkles, or embroidery. You can also opt for flats that have leather straps or velvet buckles for added style. Flats that have a pattern, such as a floral or woven pattern, can also be a fun option for the office. You can wear more casual flats to school or for running errands during the day. Wear plain leather ballet flats to school or patterned flats for a day of errands. You may go for flats that are easy to slide on and off with socks or tights. Wearing flats with socks and jeans can also be a fun casual day look. Go for colorful socks with plain flats and skinny jeans for a casual but put together look.
A: Match your flats to the rest of your outfit. Go for dressy flats at the office. Try casual flats at school or on a day out.

Article: An annuity is a specific dollar amount paid to an investor for a stated period of time. The interest payments on your bond are considered a type of annuity.  To calculate the present value of your interest payments, you calculate the value of a series of equal payments each year over time. If your 10-year, $1,000 pays 10% interest each year, for example, you would earn a fixed amount of $100 per year for 10 years. The formula for present value requires you to separate your annual interest payments into the smaller amounts you receive during the year. If, for example, your $1,000 bond pays interest twice a year, you would use two payments of $50 each in your present value calculation. The sooner you are able to receive any payment, the more valuable it is to you. This concept is sometimes called the "time value of money", Receiving $1 today is inherently more valuable than receiving $1 tomorrow because over the time you hold the $1 you can invest it (or simply spend it) and to gain a return. Following that logic, if you receive $50 in June and $50 in December those payments are more valuable than receiving the entire $100 in December. This is because you have the opportunity to use the initial $50 without having to wait until the end of the year. The formula is PVA=I[1−(1+k)−n]/k{\displaystyle PVA=I[1-(1+k)^{-}n]/k}. The variables in the formula require you to use the interest payment amount, the discount rate (or required rate of return) and the number of years remaining until maturity.  Assume that a bond has a face value of $1,000 and a coupon rate of 6%. The annual interest is $60. Divide the annual interest amount by the number of times interest is paid per year. This calculation is I, the periodic interest paid. For example, if the bond pays interest semiannually, I = $30 per period. Each period is 6 months. Determine discount rate. Divide the discount rate required by the number of periods per year to arrive at the required rate of return per period, k. For example, if you require a 5% annual rate of return for a bond paying interest semiannually, k = (5% / 2) = 2.5%. Calculate the number of periods interest is paid over the life of the bond, or variable n. Multiply the number of years until maturity by the number of times per year interest is paid. For example, assume that the bond matures in 10 years and pays interest semi-annually. In this case, n = (10 X 2) = 20 interest-paying periods. Plug in I, k and n into the present value annuity formula PVA=I[1−(1+k)−n]/k{\displaystyle PVA=I[1-(1+k)^{-}n]/k} to arrive at the present value of interest payments. In this example, the present value of interest payments is $30[1-(1+0.025)^-20]/0.025 = $467.67. The present value of the interest payments was an annuity, or a string of payments. The principal is a single repayment to the investor at maturity.  If, for example, you own a $100,000 bond due in 10 years (the bond has a likely face value of $1,000, $100,000 represents the entire issue), you will receive a single payment of $100,000 10 years from now. You use a discount rate to discount (reduce) that single payment into a value today. The formula uses some of the same values you used in the annuity formula. Use the annuity formula first then apply those same variables to the principal payment formula. Plug in k and n into the present value (PV) formula. Use the formula PV=FV/(1+k)n{\displaystyle PV=FV/(1+k)^{n}} to arrive at the present value of the principal at maturity. For this example, PV = $1000/(1+0.025)^10 = $781.20. Add the present value of interest to the present value of principal to arrive at the present bond value. For our example, the bond value = ($467.67 + $781.20), or $1,248.87. Investors use the present value to decide whether or not they want to invest in a particular bond.
Question: What is a summary of what this article is about?
Use the concept of an annuity to calculate the value of your interest payments. Apply the present value of an annuity (PVA) formula to your interest payments. Input the variables and calculate the present value of the principal payments.

Q: Maternity nurses receive some training in breast feeding and will be able to offer advice and guidance. Many hospitals have lactation specialists on staff to assist nursing mothers with any breast feeding issues that may arise during the hospital stay. Before leaving the hospital, be sure to take the lactation specialist’s contact information with you so that you can call with any breast feeding questions that arise when you are at home.
A:
Ask the maternity nurses for help with proper positioning of the baby while you are still in the hospital. Enlist the help of a lactation specialist who can teach you the proper way to nurse your baby.