I do mean "101." I keep thinking everyone knows that you shouldn't imitate someone else's style or language in order to make yourself more interesting. However, two of my young relatives in the last weeks have posted what they thought were cute sayings concerning "niggaz" and "hos".
So if you know why that's a bad thing, this will not be news to you. (I should mention that both my nieces are white, though they grew up in a multi-racial family with varying-color relatives.) OTOH, if you want to print this out and make it a handout, I can imagine a lot of places you'd find it useful. Unfortunately.
For a more nuanced discussion (from someone who isn't white) I recommend this from Brittney Cooper. My favorite line is her definition of appropriation. It should be all anyone needs to know what "appropriating" something means.
Appropriation is taking something that doesn’t belong to you and wasn’t made for you, that is not endemic to your experience, that is not necessary for your survival and using it to sound cool and make money
So, let me be clear. If you have white skin, it is not okay to fake "gangsta" language.
It is not okay to wear "gangsta" clothes to try and pass as a gangster.
It is not okay to identify particular behaviors as "ho" behavior, particularly if you are referring to young women without white skin privilege. Even if they have white skins, though, it is not okay. Women can be as active sexually as men and not "hos," because "ho" is a term popularized by criminal wanna-be to degrade women who don't admire them. Or occasionally, who do. It doesn't matter. It is not okay. If your mother thought one of her children might be from a different father than the father thought, that wouldn't make her a whore. Do you want to make it easier for other people to decide what your little sister should do on a date? Insulting others for their sexual choices opens the door to people insulting you and your family for yours.
Using the word "ho" brings you into the subclass of people who act extra-black in order to make money. Therefore, the word "ho" is racist. Don't use it, even if you're fine with insulting sexually-active women because they make different choices from you on how to use their body. Even if you think insulting sex workers without understanding the pressures which cause them to make sex a profession is all right. You are contributing to making the lives of American black women more difficult and contradictory than it already is. Stop.
It is fine to like hip hop. It is not okay to think that people of color -- or for that matter white people -- who don't like hip hop are in some way not as cool as you or not as "black" as you. They're black. You're not. Being taken with hip hop, talking a stereotypical urban language, and hanging out with people of color doesn't make you black By the way, being a white ally to people of color is a damned hard job, but well worth doing; don't sell it short by taking on the characteristics of something you're not.
Your mother is white. Your father is white. All your grandparents were white. If you walk down the street, you are white. If you visit someone's home, you are white. If you apply for a job or go to a university, you are white. You are treated as white. Assumptions about your abilities, your speech, your innate intelligence, don't get coded as "other" than the norm because of your skin. You don't acquire someone else's skin color because you live with people who aren't, or marry people who aren't.
Stop pretending your skin isn't white, and try to understand why your sister or brother will not be treated as kindly as you, even if they grow up in the same family. Try to make their future better; don't contribute to keeping it less than yours by perpetuating stereotypes or exploiting the parts of their inheritance you want to use.