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Your favorite denim brand from the 2000's is making a strong comeback. There isn't a trendy lady out there who doesn't own at least one pair of True Religion jeans. Paris Hilton loved them, and girls couldn't wait to get their hands on these chic designs. After a rocky financial period, the brand is trying to get back on the market. What better way to do that, than tapping one of the most popular models at the moment, Bella Hadid.
Bella Hadid is our everyday style inspiration. The way she puts together the most stylish outfits and sets new trends with every appearance is really impressive. The supermodel is a huge fan of naked looks, so she never misses the chance to pull one off. Feast your eyes on Bella Hadid's jaw-dropping outfits that put all of her assets on display.
The gorgeous Bella set the nipple free in a sheer light cream-hued full button-up top. The model's fashion choices are so daring and trendy it's hard for us to keep up.
What did Bella Hadid put through the airport security machine?
Supermodel Bella Hadid is known for her lean, lithe figure. You might have seen her on the runway for Victoria's Secret in their annual fashion show and she has adoring fans all over the globe.
She's so tall and thin that what she put through the airport security machine might actually surprise her followers! What was it? A pizza!
Bella shared pics on social media of a mouth-watering pizza that she put on the airport security machine! She said, "I will forever remember the first time I had to send my pizza thru security.'
Two pizzas went through in addition to her pretty pink backpack. And after she had boarded the private plane, she shared another pic, this time of the pizza box open with the phrase, "gotta keep my girls happy'.
Well, we have to admit, that pizza sure looked good and we're certain all her besties on the plane scarfed it up!
Magnum is going to sweeten the Cannes Film Festival once again this year. The brand's new campaign "Take Pleasure Seriously' comes just in time for the renowned French Riviera event. Just like many times before, the iconic ice cream label tapped an epic designer-supermodel duo to star in the exclusive video and ad shots. Bella Hadid and Alexander Wang are the two names joining the Magnum family this festival season. They celebrate the ultimate indulging pleasure with delicious new ice cream releases.
The designer chose two of his sultriest black dresses for Hadid to rock. It all happens during a photo shoot when Bella accidentally finds an Alexander Wang cooler full of Magnum Classic ice creams. The two completely surrender to the deliciousness and take the pleasure very seriously. First, the mega-popular long-legged beauty flirts a long black dress with an extremely high side slit. Then, she changes into a sultry mini black ensemble. Once they discover the secret treat, all you hear is cracking sounds of tasty chocolate that makes you want to run to the nearest store.
#MagnumCannes, coming soon. @alexanderwangny @Magnum #TakePleasureSeriously Directed by my angel @lukegilford
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"I appreciate the pleasures in life and am not afraid to indulge in between the chaotic pace of modeling. Starring in this short film with my friend Alexander Wang felt like a totally indulgent experience.'- the gorgeous supermodel said. "The collaboration with Magnum has been all about pleasure and indulgence. Working with Bella to show the expert craft that goes into a Magnum is something I am very proud of. It's great to collaborate with Magnum on this campaign, showing people the importance of pleasure in life. I'm looking forward to our big reveal in Cannes!'- Alexander added.
Last year it was Cara Delevingne and Jeremy Scott who got the honor to star in Magnum's fun campaign. The British supermodel rocked Scott's show-stopping Moschino designs both in the video and the shots. The Italian fashion house also released a limited-edition bag capsule with the ice cream brand. In 2016, it was Kendall Jenner who teamed with the British/Dutch company. She introduced the new Magnum Double through a series of provocative images shot by Mert Alas and Marcus Piggott.
Every year, the ice cream company throws a wild party during the Cannes Film Festival. This time Magnum's Beach event will happen on May 10, where you can expect to see both Bella Hadid and Alexander Wang. Supermodels, designers and ice cream – a party doesn't get any better than that. The Magnum Beach will be open for everyone from May 11 to 19 from 4 pm to 7 pm.
Photo Credit: Magnum
Leave it to Bella Hadid to introduce you to your newest spring and summer beauty obsession – colorful eyeliners and mascaras. Dior dropped the Diorshow 2018 makeup collection, a range of boldly-hued mascaras and liquid liners perfect for the upcoming sunny season. The luxury makeup brand offers an impressive range of shades and textures for everyone who wants to get creative with color.
The younger Hadid sister fronts the campaign sporting a few show-stopping makeup looks. Bella is often a minimalist when it comes to makeup, but she went bold for the Diorshow 2018 campaign. The model has rocked many bold looks on the runway, but off-duty she likes to keep things sweet and simple. Anyway, get ready to see the daring side of Bella Hadid in this new makeup campaign. Makeup artist Peter Philips used vivid shades on her eyelids such as neon pink, ultraviolet, turquoise, yellow and more. His idea was to show women that they can be "daring with color, in an elegant way". In the campaign shots, you can see Bella flaunting multicolored layered eyeliner look, as well as ingenious feline eyeliner with different colorful mascaras on her lower and bottom lashes.
Colorful liners and mascaras certainly don't get the attention they deserve. Mostly because a lot of women are afraid to ditch their black makeup essentials and play with color. The makeup artist behind Bella's looks, Peter Philips shared a few tips for using colorful liners and mascaras. Since not many would dare to recreate the model's campaign looks, he suggested using black mascara as a base and adding a touch of color just on the tips of the eyelashes. Another option is to use vibrantly-hued mascara only on the lower lashes. The possibilities are endless and it's all up to you and your preferences. The idea of the Diorshow makeup collection is to show-off your eyes. These colorful new releases will for sure help you create a standout eye makeup look.
The Diorshow 2018 makeup collection includes 15 shades of liquid eyeliner and 5 shades of mascara. The liquid eyeliners dubbed "On Stage" come in an array of shades from white and black to vibrant red and ocean blue. The new Diorshow "Pump N' Volume" mascaras come in five shades: black, peach, pink, purple and blue. The formula is waterproof which makes this mascara perfect for wearing on the beach as well as a night out. The price of the eyeliners is $30.50 each and of the mascaras $29.50 each.


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subset: commoncrawl


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DEL MAR — The San Dieguito Wetlands Restoration Project hosted the first Children and Nature Collaborative on April 2, giving San Diego families a place to discover nature close to home. Hundreds of children learned about the new nature preserve at the playful event, planned outdoors on the newly restored wetlands trail at the base of San Andres Drive east of Interstate 5.
The event was sponsored by San Diego Gas & Electric, who along with Southern California Edison, is one of the restoration team members at the newly restored lagoon ecosystem. The event worked to engage children directly with nature — seeing, listening and feeling — using interactive events to engage their young senses. Exploration and discovery activities encouraged children to observe and discover the wonders of nature offered by the abundance of fish, birds and other animals found at the site. Observation and knowledge activities helped children learn to use maps, field guides, magnifying glasses and binoculars to get to know the local wildlife and plants.
Several interactive play stations were located along the trail to give families a chance to learn, in a hands-on fashion, about nature.
At Fun with Fish, youngsters observed white sea bass fish eggs and colored their own paper fish, releasing it back into a virtual lagoon ecosystem.
In A Bug's Life, they identified the characteristics of insects and got to know San Diego County's local bugs.
With Bird Beaks, youngsters used chopsticks, tongs and other instruments to experience how a bird uses its beak to search for and catch food.
Naturalist Guidebook created and personalized a nature guidebook, then youngsters hit the trail to search for the plants and animals from their guidebook at the lagoon.
Making of a Native Seed Ball got everyone dirty rolling mud and seeds together to plant for native plants.
Sea-Dahlia Planting helped visitors learn how this native bluff plant with yellow flowers thrives on our coast, then planted one to take home.
"By venturing into 'nearby nature,' children and families have opportunities to explore and learn while having fun and bonding," said Anne Fege, co-founder and chair of the San Diego Children and Nature Collaborative. "When children connect with nature, they also tend to connect with each other, their families and the community as they learn they are part of something bigger than themselves."
The Coast News has been delivering high-quality news, community voice and storytelling since its inception in 1987. Since then, the news organization has grown into a successful newsgroup covering a majority of San Diego's populous North County region.


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It's time we hit America's reset button
Pressing the 'reset button' has been President Barack Obama's favourite term for trying to restore relations with Russia since they got frosty again, Cold War-style, in the past few years. But Britain and the United States ought to be thinking about that reset button, too.
Since the Second World War, Britain's leaders have liked to think they enjoyed what Winston Churchill called a 'special relationship' with Washington. Even as Britain's status as global Number One disappeared, our leaders believed this country could 'punch above its weight' because American presidents would listen to Whitehall's wisdom.
But like all US presidents, Obama strokes the egos of foreign leaders by emphasising Washington's 'special friendship' for their country. Only the British think they are unique.
Put upon: Here at home, there is a widespread view that Obama is anti-British and the time has come to pronounce the last rites over the Special Relationship
In fact, the relationship between Britain and America has often been astonishingly one-sided, as demonstrated after BP's huge oil spill in the Gulf of Mexico. Many in Britain were amazed by the ferocity of Obama's response and the xenophobic emphasis on the Britishness of BP, ignoring the fact that lax US environmental regulation and the American obsession with a right to cheap oil for their gas-guzzlers contributed to the disaster.
Although the consequences of BP's mess are bad for the United States, they are far worse for us. In many ways it is the British public, not BP, which is paying for the Gulf cleanup through tax write-offs and the collapse in its value to pension funds here. Now, having driven its share price to record lows, the US oil company Exxon Mobil has been given tacit approval by the Obama administration to make a bid for BP.
Coming at the same time as the rising casualty toll in Afghanistan, the combination of economic woe and military misadventure should make Whitehall rethink long decades of blindly standing by Washington.
In truth, this is not the first time America has sought to undermine Britain. Even before the Second World War had seemed to tie Britain and America together, Whitehall had responded to growing US power by pursuing a policy of appeasement, Britain's diplomats deciding America's ever greater global influence should be accommodated, even at the cost of our own interests.
At the end of the First World War, Washington made it plain that it did not like Britain's alliance with Japan. The Japanese had got uppity by demanding Americans publicly accept racial equality. At America's insistence, Britain snubbed Japan.
The Washington Naval Conference in 1921 is often heralded as a model of disarmament talks, but in reality it paved the way for the Second World War. Britain conceded naval equality to the United States, but since America did not act as an ally, the limits on the Royal Navy made it weaker as Japan, Italy and Germany rose as rivals. America was further away from these threats and left Britain to face them alone.
In the Twenties, American central bankers plotted to detach Commonwealth countries such as South Africa from the sterling area in a bid to weaken the pound and allow the dollar to become the dominant international currency. As Chancellor of the Exchequer in 1925, Churchill put Britain back on the gold standard to head off this threat, even though it plunged our export industries into depression and helped provoke the 1926 General Strike.
Britain was alone against Nazi Germany in 1940. It is true President Franklin Roosevelt arranged for military aid to be sent from America under the Lend-Lease agreement, but it came at a heavy price. In return for Britain handing over billions of dollars' worth of economic assets in the Americas, the United States sent military equipment and other supplies. It saved Britain's bacon, but when it was cut off the moment the war ended in 1945 it left this country without its traditional markets in the Western hemisphere. US companies now dominated what had once been the basis of Britain's balance of trade surplus.
America did not join the war until the Japanese attacked Pearl Harbour and Hitler declared war on the United States. But Roosevelt made it clear America was not fighting to restore the British Empire. Behind Churchill's back Roosevelt used to joke to Stalin about him being an old imperialist. Until well into 1944, more British forces than Americans were fighting the Nazis.
The Second World War did produce a uniquely close relationship. Even today the British armed forces and intelligence services are embedded with their US partners. But the balance of power in the alliance has shifted decisively. From Britain's sacrifice of its nuclear know-how to help produce an American-owned atomic bomb in 1945 to the subordination of our unique code-breaking skills to the US National Security Agency, this country gave as much to make America a superpower as it got back from the alliance.
When British interests clashed with US ones, Washington had no problem in torpedoing them. In 1956, President Eisenhower was right about Suez but the price of failure was paid by Britain. Fifty years later, Tony Blair and the whole Establishment failed us and ordinary Americans by backing George Bush even though MI6 had sources inside Iraq saying Saddam had no WMDs.
Getting realistic about this country's relationship with Washington does not mean swinging wildly to Cubanstyle anti-Yankee hostility, but unless Britain's leaders pay more than lip service to Britain's national interests, a combination of economic hits and costly wars originating on the other side of the Atlantic could poison the alliance.
Dropping the phrase 'special relationship' is not enough. It would be healthier on both sides of the Atlantic to recognise those things we really do have in common. Honest disagreement among friends is a better basis for stability. A partnership of unequals cannot be securely based on illusions, however comforting.
- An Oxford historian, Mark Almond is also Visiting Professor of International Relations at Bilkent University, Ankara, Turkey.
William Rees-Mogg is away.


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Fall weddings feel especially romantic—the cool weather, toasty beverages, and autumnal palettes that make for a wedding aesthetic that's cozy and romantic at once. If you're finding yourself on the wedding guest circuit this season, you're surely in need of a few new dresses that befit the season. And even better if you can score one for less than $100, right?
From longer sleeves to rich colors and sumptuous textures, there's a lot to love about fall dresses. Seasonal hits like velvet, satin, and crepe are surefire hits, and this year, new-to-the-market versions feel fresher than ever in bright-as-can-be colors like yellow, magenta, and red to elegant floral prints and vintage-inspired jacquard. For the trend-forward wedding guest, big, puffy sleeves, '80s-style micro minis, mixed-print florals, and bold ruffles are trends worth digging into. Plus, they make for a killer photo opp, which is obviously a necessity for the 'gram.
Affordable guest attire goes beyond the ceremony dress if you're traveling for a wedding or are part of a bachelorette weekend ahead of the big day. In these cases, you'll need a few frocks for the wedding from welcome cocktails to the rehearsal dinner and a post-wedding brunch. Add in the lineup of options you'll need for various bachelorette festivities and affordability is a serious priority.
Whether you're craving something ultra-feminine, clean and classic, or bold and daring for a fall wedding guest dress, ahead we've plucked 25 wedding-perfect styles, all under $100. Even if you only need one wedding guest dress this season, you may find you're adding a few extra styles to cart to simply have a few extra styles on hand throughout the season. Besides, the holiday party circuit is right around the corner. At these prices? There's no shame. See what's in store and stock up early.
Forever 21 Sheer M-Slit Maxi Dress
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Soul Cake Floral Print Long Sleeve Wrap Dress
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Prologue Plus Size Floral Print Short Sleeve Pleated Wrap Dress
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Who What Wear Plus Size Long Sleeve Waterfall Hem Dress
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LC Lauren Conrad Plus Size Bell Sleeve Dress
SHOP NOW: Khol's, was $64, now $43.99
POPSUGAR Print Smocked Midi Dress
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Simply Vera Vera Wang Mockneck Asymmetrical-Hem Chiffon Dress
SHOP NOW: Khol's, was $68, now $50.99
H&M Crêped Dress
re:named Maddy Slip Dress
SHOP NOW: Shopbop, $63
ASOS DESIGN Wrap Maxi Dress With Long Sleeve in Jacquard
Zara Velvet Midi Dress
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Lane Bryant One-Sleeve Asymmetrical Hem Maxi Dress
SHOP NOW: Lane Bryant, $69.95
Boohoo Boutique Crochet Midi Dress
SHOP NOW: Boohoo, $70
Oasis Velvet Tea Dress
SHOP NOW: Oasis, $72
AQUA Velvet Flounce Dress
SHOP NOW: Bloomingdale's, $78
Mango Floral Print Dress
SHOP NOW: Mango, $79.99
Warehouse Wrap Puff Sleeve Midi Dress
SHOP NOW: Warehouse, was $87, now $65.25
Babaton Jeff Dress
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LOFT Plus Star Wrap Dress
Topshop Ruffle Bardot Midi Dress
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ASOS DESIGN Mixed Floral Print Ruffle Asymmetric Maxi Dress
Talula Deep V Dress
SHOP NOW: Aritzia, $98


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text: The adidas Climaheat Frostguard Primaloft Golf Jacket is built to trap your body's natural heat to keep you warm on those cooler days on the course. Climaheat technology is engineered to lock in heat whilst still allowing moisture to escape so you feel dry and warm but not sweaty. Padded with Primaloft® Silver synthetic insulation, this jacket will keep you super-warm and cosy but without the need for heavy, bulky layers, allowing you to move freely through your game. In addition a wind and water resistant finish will keep you protected in blustery conditions and should you be caught out in the rain, it will 'bead' off the fabric rather than soaking straight in so you stay drier for longer. This cosy jacket has a regular fit, wider in the body with a straight silhouette and the full zip has the added benefit of a chinguard at the top so that when it is fastened up it won't scratch your chin. There are three pockets, two zippered hand pockets and one on the left chest, also with a zip providing plenty of space for all those course essentials. Ribbed armhole gussets and cuffs also provide a better fit and feel. Finished with an adidas logo on the left chest, the Climaheat Frostguard Primaloft Golf Jacket is perfect for your winter golf. - Regular fit - Ribbed armhole gussets and cuffs - Warm, lightweight Climaheat insulation - Front zip pockets and vertical zip chest pocket - Packable into internal mesh pocket - Full zip with chinguard - Wind- and water-resistant fabric - PrimaLoft® Silver synthetic insulation - Adidas branding - Body: 100% recycled polyester twill - Sleeves and inner collar: 57% recycled polyester / 40% polyester / 3% elastane fleece


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This summer, I interned at the New Mexico Immigrant Law Center, a nonprofit legal organization based in Albuquerque, New Mexico, my hometown. I have always been passionate about immigrants' rights as I believe that the peaceful movement of peoples is a human right, and that the pursuit of opportunities, safety, and happiness should be determined by the self and not by a boundary. I was fortunate to find this internship because it also gave me the chance to speak Spanish, my first language, as well as French, which I study through ICLS. Moreover, I got to experience the legal field, where I hope to make a career. The fact that immigration issues have been at the forefront of our national consciousness made for an invigorating, challenging, and oftentimes heartbreaking summer to be working in this area.
Internship background
NMILC's goal is to empower the immigrant community, an objective which starts with helping immigrants obtain legal status. Lawyers and paralegals help clients navigate the pathways to residency or citizenship—this can include an avenue such as obtaining a U-Visa, for example, which allows a victim of a crime to gain residency, or a more straightforward process such as family-based residency. One of the primary duties of my internship was working in asylum law with the organization's program called "PALS," or "Program for Access to Legal Services." This broadly-worded acronym has a highly specific application: the program benefits detainees at the Cibola County Correctional Facility, who for the most part are there awaiting their asylum process. Some context is important in understanding the work that NMILC does out of Cibola: the detention center is the only one in the country with a pod for transgender immigrants, and it has the highest percentage of asylum seekers of any detention center in the country. As part of PALS, lawyers, paralegals, and volunteers go to Cibola twice a week to meet with detainees. The help provided depends on the group NMILC sees: the men detained are all eventually moved to El Paso, where their cases will be tried, and the best we can do is prepare them to defend themselves or link them with lawyers in El Paso. The group of transgender detainees, on the other hand, stays at Cibola throughout their entire asylum proceeding, and NMILC, partnering organizations, and pro bono attorneys are able to directly represent them.
My duties at NMILC
One of my duties for PALS involved tracking each of the transgender women's files, which are kept in what was simply known as "the box"—a beat up, overused plastic filing cabinet on wheels. The box is the primary means of communication between the detainees and our organization and pro bono lawyers—through this channel, the detainees send their applications to be translated, their messages to attorneys, and their requests for advocacy when their basic rights are being violated by ICE or officers at the detention center (an all too common occurrence, I soon learned). I tracked every message and document coming through the box, and soon enough I had the names of most of the 50 or so transgender immigrants memorized. When I went to Cibola myself, I was finally able to match the women's stories with their faces. The contents of their files told stories of horrific abuse and violence, but in person, the detainees were kind, open, and most surprising, full of laughter. I still do not know fully what to make of this—I had gone in expecting a dismal atmosphere, but I came out convinced that people will take any shot at happiness. This sentiment is only disheartening if we consider that the United States' current immigration policy seeks to limit these chances.
One of the most rewarding moments in my job was seeing 14 of the transgender women detained at Cibola be released on parole, following a period of what had been a near-blanket-denial of all requests since Trump came into office. I went to visit the affectionately named chicas when they arrived in Albuquerque. They were elated to be released, even temporarily. When I went back to Cibola, the mood was understandably sour, as about 40 other women wished to be released too. This dynamic felt characteristic of the ebb and flow of working in immigration as a whole: small achievements were always met with the response that there was more work to be done.
Trauma and translation
Another large component of my work involved translating—I mostly translated evidence from Spanish to English for clients' cases, from declarations to affidavits to death certificates. Working in translation put me at the root of a person's suffering—I found myself searching for English equivalents to disclose "they stabbed me" and "the gang killed my best friend." My coworkers suggested that as a translator for asylum case documents, I should be as literal as possible, even when it meant improper grammar in English or imperfect idioms. This theory of translation was based on the fact that one of the most important factors in determining a judge's decision was an applicant's credibility—the closer the translation to the applicant's own language, we believed, the more credible. I also worked with in-person interpretations as well—here, I came face to face with questions of how to reconcile empathy and the need for information. Paths to permanent residency in the United States are perverse in that suffering trauma is often necessary for obtaining legal status; for example, T-visas are for victims of sex trafficking, and the asylum process is for people fleeing persecution. As an interpreter for evidence-gathering meetings for these processes (I interpreted a mental health evaluation and an affidavit, for example), I had to find the words to invite a person to share enough of their story to convince an immigration judge without launching them back too deeply to their site of trauma. It was impossible not to be moved by the suffering they shared, and I wondered if this impacted the way I communicated and in turn, the way their stories came to be recorded. I had to ask myself, as the interpreter, do I try to be merely a mechanical channel for words, or do I implicate myself in their story as an empathetic figure? Does my empathy impact my translation therefore steering me further from their true expression?
Catherine's vision
Ultimately, my experience at the New Mexico Immigrant Law Center further proved to me how deeply entangled literature and language are in achieving justice and equality. First off, it must be said that immigration is inextricably linked to other crucial societal problems—mass incarceration and criminalization, economic disparity, and persecution of minority groups are only some of the issues perpetuating social injustice that I witnessed on a daily basis. Catherine Medalia Johannet knew that literature is a force in the struggle for social change, and she selflessly acted with that information, looking to use her literary gifts in the service of others. I worked at NMILC in her memory this summer, always keeping in mind her spirit and her vision, and did my best every day to use my words to make a positive difference for someone. At NMILC, I saw how the written word of a brief, a petition, and even a government form promised an entirely new trajectory for a human life. Yet literature's importance in inequality and injustice is also much less literal than that: everyone has a story, and everyone has a fundamental right to author their story—this right is a critical pillar of social justice. Whether a person is born on one side of a national border or another should not be the central element in determining their story's plot. I am incredibly grateful to Catherine's parents, her family and friends, and the ICLS department for the opportunity to work toward a value so important to me, an opportunity which has set the foundation for me to work toward Catherine's vision of a more just and equal world.
By Daniella Apodaca


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What Is a Multiple Employer Plan (MEP)?
A multiple employer plan (MEP) is a retirement savings plan adopted by two or more employers that are unrelated for income tax purposes, as defined by the Internal Revenue Service (IRS) and the U.S. Department of Labor (DOL). A MEP can be either a defined-benefit pension plan or a defined-contribution retirement plan such as a 401(k).
MEPs are organized and run by an entity known as the "MEP sponsor." The MEP sponsor is responsible for administrative duties and, in most cases, fiduciary liability for the plan. Companies that join a MEP are known as "adopting employers."
Key Takeaways
- A MEP is a retirement savings plan adopted by two or more unrelated employers, as defined by the DOL and IRS.
- Administrative and fiduciary responsibilities of a MEP are performed by the "MEP sponsor," which can be an employer-member, appointed board, trade group or association, or a third party.
- DOL and IRS policy mandates that single plan MEP structure must be "closed," and employer members must have a nexus or common interest in addition to participation in the retirement savings plan.
- A recently passed DOL rule relaxes the closed structure requirement to allow wider participation in MEPs by small companies and individual working owners with a geographical or industry connection.
- By DOL and IRS policy, an "open" MEP that any business can join regardless of connection must provide a separate plan for each member business. Pending legislation would permit a single plan for open MEPs.
Understanding a Multiple Employer Plan (MEP)
The concept of multiple employer plans dates to the early 20th century and was formalized by the Labor Relations Act of 1947 (better known as the Taft-Hartley Act), when the name was changed to multiemployer plans. This was done to distinguish collective bargaining plans negotiated between multiple employers in the same trade or industry and a labor union (multiemployer plans) from plans formed by unrelated multiple employers (multiple employer plans).
Final regulations under section 413 of the Internal Revenue Code (IRC) were published Nov. 9, 1979, that apply to both multiple employer plans (413c) and multiemployer plans (413b). Additional guidance from the DOL in 2012 further defined how so-called "open" MEPs work. (For more, see "Types of Multiple Employer Plans" below.)
Multiple employer plans allow small companies that might not be able to offer a retirement savings plan due to cost, complexity, and liability to do so by providing economies of scale, reduction of reporting and other paperwork requirements, and, in most cases, minimizing fiduciary responsibility.
Multiple employer plans and mutliemployer plans are not the same thing.
Types of Multiple Employer Plans
Currently two types of MEPs exist, closed and open. As of Sept. 30, 2019, a third type, "association retirement plan," will take effect. Pending legislation, should it pass Congress, would change the nature of open MEPs.
Closed MEP
A closed MEP is made up of more than one unrelated employer (with employees) and a sponsor that is a bona fide group, association, or organization with which member employers share a nexus or interest other than the retirement savings plan. Only member employers of the bona fide group can participate in the plan, and member employers must also be able to make plan-related decisions.
A relaxed form of closed MEP, an association retirement plan (ARP) allows unrelated employers, as well as self-employed working owners, in different industries but with a physical presence in the same metropolitan area, region, or state, to join the same single-plan MEP. The rule also allows companies in the same industry, even if they don't share a geographical connection, to join the same MEP.
Open MEP
As defined by the DOL in 2012, an open MEP, in which members have no connection other than participation in a retirement savings plan, requires each member to have and report on its own individual company plan. Pending legislation known as the SECURE Act would permit open MEPs in which there would be a single retirement plan for all members.
Sponsorship of a Multiple Employer Plan
The sponsor of a MEP can be any one of several entities:
- Lead Employer. In this case a single adopting employer sponsors the plan and appoints the fiduciaries. This structure may run afoul of the DOL requirement that adopting members control the plan.
- Board of Directors. It is appointed by the adopting employers to serve as plan sponsor and/or to appoint and monitor fiduciaries.
- Cosponsorship. Under this scenario each adopting employer is a cosponsor of the plan. This structure is sometimes combined with the board of directors structure to ensure that adopting employers control the plan.
- Trade or Industry Group or Association. Each of these can be considered an employer for ERISA purposes and therefore eligible to sponsor the MEP. The new DOL rule allows local organizations, such as a chamber of commerce, to also be a sponsor.
- Third Party. In this case a professional employer organization (PEO) or similar professional provider performs management tasks, such as payroll, workers' compensation, and training. The new DOL rule cited above helps eliminate difficulties with PEOs failing to meet the DOL requirement that adopting employers control the plan.
Multiple Employer Plan vs. Multiemployer Plan
A multiple employer plan is maintained by two or more unrelated employers under the sponsorship of an entity in which these employers share a common nexus in addition to the retirement savings plan in the MEP. All this must be done in compliance with Internal Revenue Code (IRC) 413(c)
A multiemployer plan is a collectively bargained plan between more than one employer, typically within the same or related industries, and a labor union. Multiemployer plans are often called Taft-Hartley plans and must comply with IRC 414(f).


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Some sweet testimonials from The Best Clients Ever for wedding, elopement and portrait photography.
"Gabrielle was absolutely AMAZING! Where do I even begin: she was so kind and helpful with managing such an important part of the wedding, she checked in regularly before the day of the event to iron out details, her shot survey was incredibly helpful as it made me think of certain aspects of the day that I might have otherwise overlooked, she was super flexible the day of about what locations we wanted to shoot at on a 66-acre ranch, she constantly made us laugh and set us at ease while being photographed, and last but not least, the photos turned out BEAUTIFULLY. I am over the moon with the quality and artistry of the photos that she took, and I could not recommend a more amazing photographer to shoot the best day of your life!"
"Gabrielle was our photographer for our engagement pictures and our wedding. She is THE BEST! My husband and I were nervous about the engagement pictures because we both have bad "fake" smiles and didn't know poses we would want. Gabrielle took care of all of that. She has so many tricks up her sleeve that made the whole session fun, light hearted, and she captured amazing candid moments, which is exactly what we wanted. Her photos turned out great - we couldn't have imagined anything better. For our wedding: she was early to the venue, scoped out all the good places for our formal pictures to be taken, and was very efficient in getting the formal shots. During the reception she seemed to be all over the place - capturing every moment from all different angles. I can't say enough good things about her professionalism, enthusiasm, and pure talent as a photographer! She's the best!! We would pick her over and over again."
"Gabrielle was amazing. She catered to every special request I had for our elopement. All we had to show our family our special day were her photos and she DELIVERED!! My family still talks about how perfect our photos were. She makes you feel like a real natural! I was so nervous I would look awkward since it was just me and new husband but I could not ask for better. I would have her do every event I had if she were close enough to home!!!"
"My husband and I just got our beautiful wedding photos from Gabrielle (2 weeks early!!) and absolutely love them! Gabrielle was professional, detail-oriented and very easy to work with. We would work with her again in a heart-beat! Thank you so much for all of your hard work capturing our special day!"
"Gabrielle was professional, flexible, courteous and most importantly fun! Gabrielle directly worked with us to create our ideal photo package including travel and a non-traditional ceremony. She even went as far as skiing down a mountain with all her equipment with us to capture our ski-ceremony. We received a quick turn-around on photos and could not have been happier with the quality we received…we are so happy we had Gabrielle on our special day and would not hesitate to recommend her to any couple."
"Gabrielle was amazing. She is very detail-oriented, prompt, friendly and accommodating. We got all of our photos back in two weeks and they were all so beautiful. She captured so many beautiful moments of both the wedding party as well as our guests."
"Taking photos has never been something I look forward to. We met Gabrielle last year and had her take our engagement photos and had such a fun time. Gabrielle made us laugh and be ourselves the entire session. When we got our pictures back, we were blown away. Her creativity and angles made the pictures turn out incredibly. Without hesitation, we booked Gabrielle for our Wedding photos as well. Somehow, those pictures were even better than our engagement photos. If you need someone to capture your big day, or take engagement photos I would highly recommend this professional, you won't be let down."
"Gabrielle was absolutely AMAZING the entire time we were working with her! She was prompt in responding, an absolute joy to be around, and her photos were so wonderful when we received them. Both me and my husband appreciated how comfortable she made us feel and how she was so easy-going the entire day. I could go on and on about how Gabrielle helped make our wedding day perfect. I would HIGHLY suggest her to anyone in need of a photographer!"
Gabrielle was the best choice of photographer for our wedding and engagement photos! She was highly professional and timely. She thoroughly attended to our requests and took amazing, beautiful photos on our big day! Our outdoor engagement shoot was breathtaking, and Gabrielle captured the scenery and our love perfectly. I highly recommend her for captivating photography!"
"Gabrielle did an incredible job with our engagement shoot. My fiancé and I are very impressed with the quality and brilliance of her photos. Each picture perfectly captures our love for each other and most importantly portrays our personalities which many photographers are unable to accomplish. Gabrielle was extremely timely and professional but at the same time her light-hearted and fun attitude made us laugh a lot throughout the session, which created great photos. She had multiple ideas for all of the areas at Garden of the Gods that would portray us best; providing incredible golden backgrounds which she edited beautifully. We definitely recommend Gabrielle Stowe Photography to anyone who desires beautiful photos and a fun experience."
"Normally I skip past reviewing or recommending pages but my experience with Gabrielle deserves recognition!! Gabrielle was, absolutely incredible. She suggested locations (since we were from out of town) went above to scout out specific areas for cute backgrounds & she got to know us within a small amount of time and was able to capture the two of us together as individuals. Truly incredible, couldn't have asked for a better experience! Engagement pictures are once in a lifetime and she truly captured us as a couple!Love love love her!!!"
"Gabrielle was absolutely amazing. I always get nervous before getting professional pictures done but she made my fiancé and I SO comfortable. We had such an amazing time and would use her again in a heartbeat. She captured our love so beautifully. I recommend her to EVERYONE!"
"We just received our engagement photos and are totally and completely in love!! Gabrielle did such a wonderful job for our engagement session! She was very easy to reach (being I was not from CO) and she knew all of the perfect spots for photos! Thank you so much, we love our photos!"
"Gabrielle was FABTASTIC and so much fun to work with. She made our experience so enjoyable, and laughed with us during our whole session. Her work is fantastic as she has creative angles and great ideas about creating the best possible photo… My fiancé and I are blown away by the quality of the photos and how Gabrielle truly captured the moment for us."
"We were only in Denver for a couple of days so we had a very short window that we could do our engagement photos, but we wanted them to be taken at Red Rocks. Gabrielle worked with our schedule and showed us around the park in a way only a local could! She made us feel super comfortable and a few times I forgot she was there! We got our photos back and we are obsessed with them! They are absolutely beautiful and we look so cute!"
"Gabrielle did SO great with our photos! She was very helpful with positioning us so we looked natural. She was super outgoing and fun during the shoot also! The photos were incredible!! We couldn't have asked for a better photographer!!!"
"Gabrielle is a great photographer and is very customer oriented. We were extremely pleased with our photo session and with Gabrielle's ability to work with our photo needs. She is very friendly and far exceeded our expectations. We would definitely use her again if in the area and highly recommend her to others."
"Gabrielle was a great photographer for our engagement pictures! She made everything super comfortable and we loved our pictures we got back! Highly recommend her if you're looking for a fun talented photographer."
"If you're looking for an excellent photographer, look no further, as you've found her! Gabrielle did an amazing job in capturing my professional headshots! I was quite nervous about having my pictures taken, but she put me right at ease. She even candidly caught me laughing during the session and was great about letting me know exactly how to pose when I wasn't sure how to. Plus, all this was done in one of my favorite spots (Lookout Mountain in Colorado), and I completely love the way she creatively portrayed my professionalism while still capturing the beauty and essence of the mountains. Thank you so much for your incredible work, Gabrielle! I will definitely be referring you to friends and family, as I've already started to do!"
"Gabrielle is a very talented photographer who blew me away with her work. My son's senior pictures and our family pictures took my breath away, they were that good. Truly amazing work!"
"Gabrielle was a pleasure to work with!! You won't feel shy in front of the camera with her as she makes you feel totally comfortable. She also listens to what you want, and then makes recommendations and her expertise to deliver just that! I will definitely use her in the future and recommend her to friends / colleagues!"
"Gabrielle took beautiful maternity pictures for us at Red Rocks! Before we got there she had scoped out the perfect location for the pictures. Even though it was freezing, she toughed it out for us and we got so many great shots. I would definitely recommend Gabrielle, she was easy to communicate with and great to work with!"
"Gabrielle makes you feel so comfortable and natural in front of the camera. I am particularly awkward and Gabrielle made it so enjoyable and fun. She also has a gift for finding those flattering angles and epic backdrops. I was so happy with her photos of my first baby as well as the photos she took of my husband and I when I was pregnant. Gabrielle also listens to her clients and does her best to incarnate whatever you are envisioning. She is incredibly open, flexible, and accommodating. I highly recommend Gabrielle Stowe Photography!"
"Gabrielle was so incredible! She makes the photo shoot so easy and fun, and captures all the love in each photograph. I've found my photographer for life for all my special moments I want to capture! Beyond happy!!"
"Very professional and extremely attentive to details. Gabrielle will do her best to make you happy and pleased. You won't regret hiring her as your photographer."


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My Blog
Posts for category: Foot and Ankle Injuries
More than 24 million people participate in aerobics. Aerobic dance has become a sport where people can stay in shape, lose weight and have fun while doing so. There are different forms of aerobics including low-impact, swim, and high-impact. Dance is still the predominant form and may be inspired by ballet, country line dancing, salsa or even hip-hop. An aerobic dance session includes a warm-up stretch followed by dancing to music, usually at a fast pace. Some of the workout regimens are geared to high impact cardiovascular workout.
It's a good idea to see a podiatrist specializing in sports medicine before beginning an aerobics regimen. The podiatrist can examine your feet, gait, and natural biomechanics to see how much of a risk your feet face when partaking in aerobic exercise.
Effects on the Feet
Because aerobic dancing involves quick side to side movements, jumping, and leaping for extended periods of time, proper care of the feet plays a critical part in keeping the entire body fit. Without proper care, the feet and ankles can suffer from severe overuse injuries.
If your feet suffer from excess pronation or your ankles tend to turn inward or outward too much, it's especially important to see a podiatrist. They may recommend the use of an orthotic device, especially if you plan to partake in aerobic activities.
Proper shoes are crucial to successful, injury-free aerobics. Shoes should provide sufficient cushioning and shock absorption to balance the pressure on the foot that is many times greater than the pressure from walking. They must also have good side-to-side stability. Shoes should also have thick upper leather or strap support to provide stability and to prevent slippage of the foot. Make sure shoes have a toe box that is high enough to prevent irritation of toes and nails. If toes and nails are irritated it can cause hammertoes, bunions, calluses, and ingrown toenails as a result.
Once you've found the proper shoes, tie them securely, but not too tightly. Make sure there is enough room in the toe box. Double-tie the laces to prevent them from becoming loose and tripping you up during your exercise.
If you do injure yourself during an aerobic dance class, it is important to seek the help of a podiatrist right away. Simple foot pain can lead to larger, more severe problems down the road. Call Dr. Andrew H. Cohen, of Mid-Michigan Foot & Ankle Center, located in Saginaw and Bay City, Michigan. Call 989-790-8009 or make an appointment online today. Make your feet our top priority.
It is hard to go a day without using our feet. Our feet are an integral part of our livelihood and everyday lives. Without our feet, we would be unable to properly move around and live. But using our feet constantly comes with a price. If we use our feet repetitively over and over again, we can end up unintentionally injuring them. These injuries can range from mild to severe and should not be overlooked. If you are experiencing any of the conditions or their symptoms listed below, call a podiatrist.
- Plantar Fasciitis – This condition causes inflammation of the plantar's arch, more commonly known as the sole of the foot. Typically, plantar fasciitis is most bothersome first thing in the morning. As the day progresses it begins to feel better. It can last for varying amounts of time and can come and go as it pleases. Modified exercise, orthotics, rest and ice are helpful when treating this condition.
- Sever's Disease – This overuse disease is caused from inflammation of the heel bone. It occurs before the body's skeleton is fully mature, which means children are most susceptible. Its main target of attack is the growth plate near the spot where the Achilles tendon attaches itself to the foot. A heel cup or pad, rest, ice, stretching, and modified exercising are very helpful when treating this condition.
- Achilles Tendonitis – Overuse of the Achilles tendon leads to this condition. Excessive jumping is often the leading cause of Achilles tendonitis. In most cases, it affects people aged 14 and up. Over the counter anti-inflammatory medication, rest, ice and stretching can help heal this condition.
- Stress Fracture – Stress fractures occur when the body is subjected to repeated episodes of micro traumas. A sudden increase in exercise can cause these types of fractures. If these fractures are not properly treated, they can become more severe and cause a full fracture to the bone. Stress fractures should be seen and treated immediately.
Does your Achilles tendon ache when you walk? Does the sole of your foot hurt first thing in the morning? Then it is time to call Dr. Andrew H. Cohen of Mid-Michigan Foot & Ankle Center, located in Saginaw and Bay City, Michigan. Dr. Cohen and his staff with help you get back on your feet. Call 989-790-8009 or make an appointment online today.
In the world of sports, injuries are a very real and frightening reality. Sometimes accidental impacts, falls or other circumstances can lead to an injured athlete. These injuries can lay an athlete up for weeks at a time and cause a lot of stress and pain. Luckily there are many different technologies available to help treat these sport injuries and heal the athlete. Although these advancements are great, they don't always cure a sports injury.
Did you know that there are actually two types of sports injuries? The first type of sports injury is an acute sports injury. These types of injuries happen suddenly while in the middle of a sport or exercise. Sprained ankles, strained backs and fractured hands are all different types of acute sports injuries.
What are the signs of an acute sports injury?
- Severe sudden pain
- Swelling
- Inability to place weight on leg, ankle, knee or foot
- Tender arms, elbows, hands and fingers
- Inability to move joint normally
- Leg or arm weakness
- Bone or joint is out of place
Chronic injuries on the other hand happen after you exercise or play a sport for a long period of time. They can cause an athlete a lot of suffering and misery.
Signs of Chronic Sports Injury
- Pain when you play a sport
- Pain when you exercise
- Dull aching when at rest
- Swelling
If you have a sports injury of any type, it is important that you see a podiatrist right away. If these injuries are left untreated, they can become more severe and have lasting damage.
Does your ankle ache when you run? Is your foot swollen and tender? Have you received a sport related injury and are not sure where to go? Contact Mid-Michigan Foot & Ankle Center located in Saginaw and Bay City, Michigan. There Dr. Andrew H. Cohen can examine, diagnose, and treat your foot or ankle problem. Dr. Cohen and his team are highly trained professionals who put your foot and ankle health first. Call 989-790-8009 or make an appointment online today. Let us support the tool that supports you.
It's all fun and games until someone breaks a foot or an ankle. A broken bone is a common but serious injury that happens to people of all ages, shapes, and origins. In fact, on average, 6 million Americans break a bone every year. It is important that someone with a broken bone gets immediate medical attention so that the situation does not become more severe than it already is. A podiatrist like Dr. Andrew H. Cohen from Mid-Michigan Foot & Ankle Center in Saginaw and Bay City, Michigan can help treat your broken foot or ankle swiftly and professionally.
Why do bones break?
Although bones are rigid and mostly sturdy, they are still slightly flexible. This flexibility is normal in order to do day to day tasks and partake in basic biomechanics. It doesn't take much to over extend a bone and break it. If too much pressure occurs the bone can fracture. The severity of the break directly correlates to the force that is applied to the bone. If the break is serious then it will take longer for the bone to heal. If the break is very serious it can result in surgery to rebuild the structure of the bone using metal pins and plates.
How does a cast help?
Although a cast does not actually heal the broken bones inside your body, it does hold them in place. This helps the body heal faster and more efficiently. Typically, podiatrists will first x-ray the foot and ankle to determine the amount of damage that the foot sustained. Then they will clean and disinfect the area. Next, they will set the bones so that they are positioned correctly and administer the cast.
What are casts made of?
Casts are made out of plaster and typically have a colorful top layer of fiberglass wrapped around the plaster. The entire process takes about 45 minutes to administer. The cast will not fully dry and cure for at least 72 hours. It is important to keep casts away from water so that the materials do not break down and render the cast useless. Wet casts can cause bones to shift and to heal incorrectly. Call your podiatrist right away if you think that you may have gotten your cast wet.
Did you break your foot or ankle? Do you need the opinion of a highly trained podiatrist? Look no further. Call 989-790-8009 or make an appointment online. Dr. Cohen can help you get your foot and ankle healed in no time.
The Michigan winter season can be a time of hibernation for the best of us and this means our muscles are relaxing too. When an unusually warm day comes our way in the colder months we tend to enjoy a quick walk, jog or run after being inactive. Stretching is necessary to wake up our muscles before we hit the track to avoid ankle injuries.
What are some common causes for ankle injuries?
- Cold muscles
- Not stretching
- Rolling the ankle
- Running on uneven surfaces
- Wrong shoes
Three common exercises to help warm up your feet
- Toe Points - standing on one leg and lifting the other leg off the floor, gently point your toes and flex your toes hold for 40 seconds in each position
- Ankle Circles - standing on one leg and lifting the other leg off the floor, gently point your toes and rotate your ankle in a complete circle 5 - 10 times
- Calf Raises - find a secure spot to hold on to, putting both feet together, gently lift onto toes and lower to heals 5-10 times
Helpful hints to create a better experience and avoid injury
- Stretch before and after you exercise
- Focus on how your feet land - should be heal to toe without twisting
- Stick with a paved or flat track
- Invest in good running sneakers and athletic socks
At Mid-Michigan Foot and Ankle Center Dr. Andrew H. Cohen provides superior ankle care for sports injuries. Sprained or twisted ankles can be fixed easily with early treatment. Call our convenient offices in Saginaw at (989) 790-8009 or Bay City at (989) 893-5000 to get an appointment now. Exercise is important for good health all year round and no need to let a small injury slow you down!


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I am still recovering from my surgery on Saturday that removed my gallbladder. But I am definitely not recovering fast enough to allow me to take my trip to Las Vegas this Friday. That trip was to attend the Adult Entertainment Expo so that I could promote my photography services to various companies and models. I had bought my trade show pass and airline ticket on Dec 21st. So everything was totally secure to attend until I had my pancreatic attack Christmas evening. This is a most frustrating period in my life right. I can't get a refund on the trade show pass since I purchased it after the deadline for getting a refund. I cancelled my airline reservation and was only able to get a $69 credit out of a $184 ticket purchase. I personally found that to be some serious bullshit. I can understand not getting refunded on the misc taxes that go into a ticket price. But I cancelled well within the 24 hour window that disallows a refund.
The airline I went through was Allegiant Air. And I have flown with them in the past. But they charged a $50 cancellation fee for each leg of my trip which cost me $100 for the cancellation. I personally find that size of cancellation fee totally outrageous. The ticket was bought online, the cancellation was done online, so where is that excessive expense coming into their operation that demands that they charge a $50 cancellation fee? I will allow some kind of cancellation fee to some degree. But I find this situation is excessive.
Wednesday, January 5, 2011
Health Update
Posted by Unknown at 10:01 AM
Labels: Allegiant Air, Health, Las Vegas, Surgery
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Retailers and digital experts discussed how they are using data in all areas of the business.
Technology continues to be the driving force behind innovation in the fashion industry, as brands and retailers strive to analyse the increasing amount of consumer data available to them.
During a recent Drapers roundtable discussion at the Soho Hotel in London, businesses agreed that using all the data available is easier said than done, particularly as social media platforms grow in both number and significance.
Hugh Raeburn, head of IT at Reiss, said current measurements of the success of social media do not provide enough insight because, for example, often tools simply count the number of Facebook 'likes'. He said: "[Ideally] it's about measuring sentiment and how people are feeling about your brand and your products. In the next few years you're going to see a lot more methods and measures [to do this]."
Domenico Antonucci, fashion sector manager at multichannel software firm K3 Retail, said the business is developing reporting tools that take information from social media streams such as Twitter and Facebook and integrate it with sales reports, because "what is going on in social media about brands is affecting sales in real time".
Customer segmentation has always been vital to retailers and brands to better target their customers, and A Suit That Fits co-founder David Hathiramani said the tailoring etailer has 41 different segments to recognise where shoppers are in the buying process. Hathiramani added: "We are trying to send them all personal emails at the right time. It's really important to us to be using all the data we have to not only make their experience better, but to save a bit of time for our teams."
Another area where data is helping retailers is stock management. Francesca Herman, head of buying and merchandising at boardsports etailer Surfdome, said it forecasts performance through internal systems that monitor sales, stock and web trends. She also worked closely with suppliers during the unexpectedly long summer to make sure it had appropriate stock in the warehouse. "We work with suppliers and try to build relationships with them to try to get them to hold some stock for us or hold it at their risk until a certain date, and then we pull it in or cancel it if we don't need it," she said.
Raeburn agreed, saying Reiss is reacting better to changes in weather patterns by "being more savvy on holding back" new season stock if the weather doesn't correlate with the product.
Technology in product innovation is also helping retailers to improve sell-through. Murray Macadam, European marketing associate at Gore-Tex Footwear, said improved technology can help brands and retailers to increase the price of garments: "We saw research recently that found consumers see a technology upgrade to a product without a price increase negatively, as if it might be a marketing ploy. They almost expect a price increase with a technological innovation, provided it adds value."
But Gore-Tex Footwear's UK sales director William Fletcher warned that no matter what innovations are added, the product still has to visually appeal to consumers. He said: "We believe in fashion with functionality because if the shoe doesn't have style or shelf appeal, no matter what functionality we put in there it won't be a success."
Herman said that function combined with style is the ultimate combination. "People are willing to pay more for something that looks really good but also performs well, as well as a product that will last for years because it is an investment piece."
Hathiramani said product innovation has been core to A Suit That Fits, with the made-to-measure business introducing new features, such as allowing shoppers to choose any image or photo to be reproduced on the lining of a suit.
Businesses are also innovating online when it comes to fit. Recently, Warehouse upgraded its virtual fitting tool, Metail, in a bid to increase conversion rates and tackle returns, which is often down to fit and sizing.
Antony Comyns, head of ecommerce at shirt retailer Hawes & Curtis, said it uses virtual fitting room Fits.me, which takes measurements to create a digital mannequin that replicates the customer's size to "wear" the garment. Since rolling it out, Comyns said it has helped reduce returns and new sizes have been added as a consequence.
He explained: "You've got lots of people putting dimensions into the software package so you learn what you're not selling [and need to]."
Businesses are also looking to evolve their ecommerce offers by adapting to more traffic coming from mobile devices.
Etail trade body IMRG and management consultancy Capgemini's e-Retail Sales Index found that total online retail sales averaged about 15% growth from the beginning of 2011 to the second quarter of 2013. However, excluding mobile, the rate of online growth has declined steadily since 2011.
Vintage fashion retailer Beyond Retro, which has four UK stores in London and Brighton, is building a responsive design site for mobile and tablet. Its web designer Jason Ford said the functionality of a PC website, such as the ability to hover the cursor over a product image for further information, often does not translate to touchscreen devices, which can leave customers frustrated.
Ford said: "The step from desktop to tablet is bigger than tablet to phone because you just change the sizes [in the tablet], so you need to think about how your site changes from desktop to tablet first and then tablet to mobile."
With the continued development of the 4G network, the rise in smartphone ownership looks set to continue, with media agency ZenithOptimedia predicting it will jump from 55.2% to 75.5% of the UK population by 2015.
Antonucci believes touchscreen devices will be the go-to kit for etail. "There are huge culture changes towards embracing mobile devices. Web usage and design will change to facilitate mobile use and customer demand to shop and browse items when convenient to them," he said.
Consumer adoption of touchscreen technology is also changing the nature of physical stores. Kiosks and iPads are connecting consumers in stores to the wider stock pool of online, which allows businesses to offer more choice while freeing up space on the shopfloor. Hawes & Curtis uses touchscreen kiosk technology to allow it to sell virtually the whole range in small stores. Comyns explained: "If someone comes in looking for a summer item in the middle of winter we can serve them. If they are in the vicinity of a warehouse, we can get that to them the same day."
Reiss uses iPads in stores and Raeburn said the technology also provides internal benefits for the staff. He said: "We've tried to make it flip between a front-of-house and back-office function so store staff can also go on the intranet."
Like John Lewis and Ted Baker, Reiss also offers free Wi-Fi in store, which requires customers to provide an email address. In the future Reiss is looking to leverage this data capture element for a more personal service in store.
Raeburn said: "Because people are entering their email addresses willingly, the next stage for us is then integrating the data with 'clienteling' [using an individual customer's purchase and shopper preference data to personalise service in store]. So when a customer comes in store and signs on to the Wi-Fi, we know what he bought last time he was here and can then try to develop an electronic version of the black books that most of our managers have for their VIP customers."
In store and across the channels, retailers are exploiting data to ensure they have the right product at the right time and to provide customers with relevant communications and a personalised service. Retailers will have to continue looking at these innovations to remain competitive and meet customer expectations.
Innovation in Fashion Report
In the fiercely competitive world of fashion, businesses are using innovative technology to get the product right and to tailor customer service across the channels.
Drapers' Innovation in Fashion Report explores how brands such as Bench and Wrangler are using fabric technology to enhance product with benefits such as increased breathability, without sacrificing aesthetic appeal.
Technology is also key to ensuring product is in stock across the channels, whatever the weather. The report looks at how retailers such as White Stuff and Matalan are tackling inventory management, restocking and forecasting to get the right stock in the right place at the right time.
Businesses are also developing strategies to better understand their customers. The report explores how Harrods and My-Wardrobe.com are capturing and exploiting data to target customers with more precision.
The bricks-and-mortar store is also evolving, adding interactive features to make shopping more exciting. The report highlights the forward-thinking technologies Burberry, Topshop and Marks & Spencer are using to lure customers in store.
In turn, ecommerce is attempting to give customers the ability to try before they buy. The report reviews the online fitting solutions that give consumers a more accurate preview of fit and tackle return rates.
Readers' comments (1)
Data is still a huge opportunity for fashion retailers to fully exploit. With the introduction of many new digital channels through which consumers can shop, their behaviour has fundamentally changed. The sale online is just the beginning of the process in many ways, to customers the point of sale is no longer when they purchase, but when they actually decide to keep.
Ellie Turner
Clear Returns
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text: Home Fresh Scoops Denise Laurel talks about keeping herself physically fit for her roles Denise Laurel talks about keeping herself physically fit for her roles Denise Laurel shares some beauty tips on how to look sexy on- and off-screen. BY ABS-CBN CORPORATE COMMUNICATIONS FRESH SCOOPS 8/17/2010 9:58 AM Save With her dramatic prowess and sultry looks, it's no surprise why Denise Laurel has been fielding a lot of TV projects lately. Although she has no trouble projecting a sexy image in her various roles in Precious Hearts Romances, the young actress revealed that it takes some discipline and hard work to keep herself physically fit. "It was not really a requirement. But on the last day of Bud Brothers, Rafael (Rosell) and I made a pact na when we start taping Midnight Phantom, bongga na. And on the last day of Midnight Phantom, when we stopped in the middle of the project, Raf and I made a pact again na pagdating ng Kristine Series level up na naman. We really wanted to look good for our roles," she began. Denise further shared that she's really athletic by nature, but there was a time when she gained some weight. "I didn't even know I was fat until I saw my pictures. Kasi I gained it so fast. I gained 20 pounds in a span of a month kasi I was travelling a lot. I went to Spain, China, Vietnam, Thailand, everywhere, so kain lang talaga ako ng kain. Ang sarap ng buhay. Nasobrahan sa happiness siguro. But now I'm back to my Abt Ur Luv days na weight. I am 98 pounds which is sakto lang for my height. I make sure that I eat everything that I want pero in moderation." But instead of flaunting her curves by wearing sexy outfits, Denise claimed that she prefers to keep her clothes simple when she's not working. "I feel very awkward and shy sometimes about the stuff I wear on the set because I'm not used to wearing short skirts. Jeans and t-shirt are always my staple or I just wear a nice polo shirt and I tie it. Heels lang talaga ang nagdadala sa akin. On screen, I have been blessed with directors. They really make me look good, they light me well, they make sure na it's up to my limitations." If she could give any beauty tips to women out there, Denise shared that the key to looking pretty is to smell good and to be confident about oneself. "I just make sure that I smell good or that I look like I took a bath that morning. It's also important that I feel comfortable with myself. Because I'm the type na wash and wear, throw on whatever I see on my closet then I'm good to go. I don't spend a lot of my time thinking about what I should wear. Ganun lang," she beamed. Tags: Celebrity 0 SHOW COMMENTS


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Sunday – Views of the Neighborhood
While out walking the dogs on Friday I was amazed by the way the sun played off the water. I took this shot and although it looks like it might be a rain storm coming it was not. These are clouds f…
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Wim Crouwel - Modernist
Art.Nr.: 978-94-6226-147-1
Autor: Huygen, Frederike
Verlag/Ort: 2016
Seiten: 454
ISBN/Art.: 978-94-6226-147-1
58,00 €
58,00 €
A new, detailed monograph about Wim Crouwel: graphic designer and exhibition designer who defined the look of post war Holland with his studio Total Design. His modernism was reflected in countless posters and catalogues for the Stedelijk Museum, in stamps and experimental work like a sensational computer alphabet. In the seventies Crouwel evoked a lot of criticism but nowadays he is seen as a cult figure and an inspiration for many.


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MCDR Stands For : Misr for Central Clearing
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Get ECO Boiler (HHRCO) Costs around WinscombeSearching for an ECO boiler specialist in Winscombe? Our ECO boiler fitters in Winscombe will be able to provide you with the top prices for having an ECO boiler fitted.
With the rise in gas and electricity rates, increasing property energy efficiency has grown to become more and more important. And were you aware your central heating boiler accounts for around 60% of your yearly energy bill?
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Facebook To Rename WhatsApp And Instagram
As a way of making its flagship feel somewhat transparent, Facebook is rebranding Whatsapp and Instagram. Soon, Instagram will become "Instagram from Facebook" and similarly, WhatsApp will be known as "WhatsApp from Facebook".
A Facebook spokesperson has confirmed these developments explaining more on the rebranding.
"We want to be clearer about the products and services that are part of Facebook," they said.
Mark Zukerberg bought the photo-sharing app (Instagram) in 2012 and WhatsApp in 2014, and since then Facebook allowed these two applications to operate as independent entities.
The companies had their own managers, employees, and even separate workplaces. Facebook has taken steps in the past year to make WhatsApp and Instagram less independent.
According to Facebook, the change won't affect any of the apps' functions; it's merely cosmetic and won't alter the app names on the home screens.


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Introducing Petite Locations
Hi there and welcome to the second Papertrey Ink group post! All the merchandise you're seeing today can be out there on the Papertrey Ink online store at 10:00pm EST on January 15th.
Maui is dwelling to an unbelievable assortment of botanical gardens, that vary from lavender flower to multi-herbal gardens; from silversword to proteus; and from endemic tropical to worldwide tropical. Most of the gardens are open for both guided or self-guided tours. We will solely be masking a number of from the multitude of picks Maui has to offer.
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Female Mason Bees will readily move into the tunnels bored into this little bee house to lay their eggs. Though they don't reside in hives, groups of female mason bees nest collectively, and so they don't seem to mind the company from their neighbors. The eggs stay dormant by the autumn and winter, and offspring emerge in the spring to pollinate crops.
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Indigestion and nausea go hand in hand, and it is not uncommon for nausea to be one of the first symptoms experienced. A burning sensation felt between the breast bone and the belly button is also not uncommon. And, constipation or diarrhea may also result. Of course, bloating causes such as eating gassy foods and.
This disambiguation page lists articles associated with the title Appendix. If an internal link led you here, you may wish to change the link to point directly to the.
The definition of Indigestion is an uncomfortable feeling of fullness, pain, or burning in your upper abdomen. Symptoms of indigestion include. abdominal pain,; heartburn or acid indigestion (acid reflux),; bloating,; gas,; nausea,; acidic taste in the mouth,; stomach discomfort,; constipation or diarrhea, and; decreased appetite.
. 24 percent experienced nausea and vomiting; 18 percent had headaches; and 16 percent experienced excessive fatigue. Other side effects, like vomiting, itching, and sweating, occurred in less than 10 percent of study participants; dry mouth, indigestion, and diarrhea occurred in about 5 percent of study participants.
Constipation is defined as infrequent bowel movements, hard to pass stools or straining during bowel movements that is troubling to the individual. Frequency of bowel. Signs and Symptoms. Nausea; Vomiting; Full feeling after eating only a few bites; Weight Loss; Bloating; Bad Breath; Abdominal Pain; Heartburn.
Nausea is a sensation of unease and discomfort in the upper stomach with an involuntary urge to vomit. It may precede vomiting, but a person can have nausea without.
Gerd Lor Nser Mar 1, 2001. Europe Wickstrom Karl – Olto Bader ACOUSTICS & SOUND SC – 03 – 04 Magnetic Media : Ted Sheldon , Gerd Cyrener Vice President. E – mail lor convention information : monthly , except January / February and July / August when published bi – Published euroconventions @ aes.org. monthly , by
Do you know if you are experiencing indigestion, heartburn, or GERD? Learn why they are different, causes, and ways to get relief from indigestion.
Ginger root (Zingiber officinale) is well known as a remedy for travel sickness, nausea and indigestion and is used for wind, colic, irritable bowel, loss of appetite.
The Herbal Legacy of America's herbology pioneer, Dr. John R. Christopher. Herbal aids for constipation.
Indigestion (dyspepsia, upset stomach) can be caused by problems related to, or not related to the gastrointestinal tract. Signs and symptoms are upper abdominal pain.
We are a family-owned House Moving, Raising, Leveling and Building Relocation business with four generations of experience. Whole house moving Seattle clients at.
During the first three months of pregnancy (or the first trimester), your body goes through many changes as it adjusts to your growing baby. Physical Symptoms: Absence of menstrual period; Feeling tired and sleepy; Frequent urination; Heartburn, indigestion; Food aversions and cravings; Constipation; Nausea with or.
Gastritis is defined as an inflammation or irritation of the lining of the stomach. Symptoms include belching, nausea and vomiting, bloating, and upper abdominal pain.
Find out how to recognize constipation in your baby, why it might be happening, and what you can do about it.
Jan 18, 2017. The clinical presentation of patients with intestinal motility disorders is protean and may range from simple nausea and indigestion to severe abdominal pain, vomiting, diarrhea, Patients with constipation report abdominal discomfort, cramping, pain, rectal fullness, or, more rarely, nausea and vomiting.
As soon as you make this mental shift, the fog lifts. This is the central lesson of "Calculated Risks," a fascinating book by Gerd Gigerenzer, a cognitive psychologist at the Max Planck Institute for Human Development in Berlin. In a series of.
Digestive Conditions. Peppermint can relieve nausea and discomfort. A study in the September 1997 issue of the "Journal of Advanced Nursing" found that peppermint.
Indigestion is an old English word that means lack of adequate digestion, but patients and doctors interpret this in different ways. While many patients with gall stones also complain of bloating, nausea, and other vague upper abdominal symptoms, these complaints are just as common in patients without gall stones.
WebMD Symptom Checker helps you find the most common medical conditions indicated by the symptoms Constipation, Nausea or vomiting and Upset stomach and including Indigestion, Constipation (adult) and Gastritis.
Jun 13, 2017. Often called morning sickness, nausea and vomiting of pregnancy (NVP) can strike at any time of day and can range from mild to severe. eat 25 to 30 grams of fiber each day, engage in moderate exercise for 20 to 30 minutes three times a week and drink a lot of fluids in order to reduce constipation.
WebMD Symptom Checker helps you find the most common medical conditions indicated by the symptoms Bloating or fullness, Constipation, Nausea or vomiting and Upset stomach and including Indigestion, Irritable bowel syndrome and Gastritis.
As soon as you make this mental shift, the fog lifts. This is the central lesson of "Calculated Risks," a fascinating book by Gerd Gigerenzer, a cognitive psychologist at the Max Planck Institute for Human Development in Berlin. In a series of.
Find out about indigestion, a common problem that causes pain or discomfort in your upper abdomen (dyspepsia) or behind your breastbone (heartburn).
The pain can be quite severe, and thus can be associated with nausea and vomiting. I would not say that any stones are typically associated with excess gas, constipation, or "stomach issues" per se. The other factor is where these kidney stones were located. If your kidney stones are located in the renal pelvis and not in the.
Dyspepsia: Symptoms, causes, and treatments – Medical News Today – Dec 7, 2017. Antidepressants sometimes ease discomfort by reducing the sensation of pain. Side effects may include nausea, headaches, agitation, constipation, and night sweats. Psychological therapy: For people with functional dyspepsia, psychological therapy can help manage the cognitive aspects of indigestion.
Constipation is something that everyone has once in awhile. Medications, bowel habits, foods you eat, and laxatives all can cause occasional constipation. Home.
Indigestion also known as dyspepsia is a stomach problem and causes heartburn due to stomach acid reflux. Read more for causes, remedies & treatment for indigestion
Oct 21, 2015. You know that feeling when your stomach starts to turn and feel queasy? An upset stomach can turn a normal day into a rough one. You may wonder, was it that slice of pizza you ate late at night or something more serious? Whether it's indigestion, heartburn, nausea or something else, your churning.
Meaning of Feeling Nauseous. Nausea or feeling nauseous are terms used to describe the unpleasant sensation of wanting to vomit. It usually precedes vomiting but may.
Liver Disease Symptoms. Often people feel that they might be suffering from some kind of liver disease but it can be a hideous act for anybody to identify
Indigestion — Comprehensive overview covers causes, symptoms, treatment for this common digestive disorder.
Apr 10, 2013. For many Americans, indigestion is a common occurrence, and uncomfortable symptoms may happen daily. Indigestion is a collection of problems that includes bloating, belching, nausea, heartburn, diarrhea and constipation. Sometimes indigestion can be a sign of an underlying medical issue and should.
Nausea after meals can be due to a number of reasons. Identifying the cause of nausea can help treat the condition effectively.
Do I Have Low Stomach Acid We have to drink buttermilk or take probiotics to put back the good bacteria. Doctors don't advise us to put back good bacteria. We have to learn this and do it for ourselves. Everybody over age 50 is low on good stomach acid. This. If you have GERD, there's a very strong chance its because
Find out about indigestion, a common problem that causes pain or discomfort in your upper abdomen (dyspepsia) or behind your breastbone (heartburn). When it's not indigestion. Stomach ache or back pain are usually not symptoms of indigestion. If you have those you might be constipated.
5 Best Essential Oils for Nausea, Vomiting, Upset Stomach and Diarrhea
Jun 14, 2016. Is nausea a symptom of IBS? So much of the information about IBS talks about the symptoms of diarrhea and constipation, but I was diagnosed with IBS several years ago and I also frequently experience nausea. Is nausea a symptom in IBS? Is there a way to treat it? Answer – Nausea is a common.
The next most common complaint may be a gastrointestinal change like constipation, diarrhea, or early satiety (a sense not wanting to eat more after just a few. Persistent abdominal bloating, indigestion or nausea; Changes in appetite – often a loss of appetite, or feeling full sooner; Feelings of pressure in the pelvis or.