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In India, there are four credit bureaus namely TransUnion CIBIL, Experian, Equifax and CRIF Highmark, which assign credit report scores to individuals. These bureaus produce reports based on the credit information collected from banks and other lenders on the basis of which they assign a credit score. However, any clerical error on part of the lender or bureau can lead to erroneous information being updated in your credit report which could lower your score and hamper your ability to avail credit in future. Hence, it is imperative that you regularly check your free CIBIL score online and review your report to get any discrepancies rectified on time. Here’s a guide to what you can do in case there are any inaccuracies in your credit report: Review your Credit Report Most consumers only check their credit score and skip checking the detailed report. However, it is important to download your complete credit report from any credit bureau of your choice and thoroughly … [Read more...] about What to Do if You Find Errors in Your Credit Report in 2023

Share to Twitter Share to Linkedin Jeff Ruby, the gregarious proprietor-founder of the eponymous chain of steak houses, is most famous for his brilliant innovation at putting his “print” advertising on the fastest moving surface in athletics, namely, down the legs of pretty much every leading jockey’s blazing white trousers. At first the placement was ridiculed, but it’s now a celebrated fixture at racetracks nationwide. Much in that same trajectory, Mr. Ruby’s eponymous race at Kentucky’s “lesser” track, Turfway Park in Florence, Kentucky, has grown to become a standard hundred-point win-and-you're-in prep for the Kentucky Derby. Formerly the Spiral Stakes, this afternoon’s showdown is highly regarded as a bellweather for the ultimate May showdown in Louisville. It’s called the Jeff Ruby “Steaks” after the name of the formidable sponsor’s restaurant chain, but, amusingly, the Daily Racing Form refuses to admit Mr. Ruby’s pun and simply calls it "the Ruby." … [Read more...] about The 2023 ‘Jeff Ruby Steaks’ Stakes: Major Dude And Two Phil’s Gird For Battle, And For A Berth At Churchill Come May

Loom is No. 45 on Fast Company’s list of the World’s 50 Most Innovative Companies of 2023 . Explore the full list of companies that are reshaping industries and culture. Video communication has become de rigueur since the pandemic, but rather than just moving a meeting from a conference room to a screen, Loom does something different. It takes the short-form video phenomenon and turns it into an effective way for businesses to pitch clients, explain how a product works, or share information internally. Think of it like TikTok for enterprises. By allowing customers to create short videos (up to five minutes long) that can be watched anytime and shared as needed, the eight-year-old company helps its 18 million users across 350,000 businesses eschew time-sucking scheduled video meetings, both internally and externally. Those clients—which include Netflix, HubSpot, and P&G’s Tide brand—have been using it a lot. As of December, more than 215 million “looms” had been … [Read more...] about How Loom became TikTok for enterprises

Explore the full 2023 list of Fast Company’s Most Innovative Companies , 540 organizations that are reshaping industries and culture. We’ve selected the firms making the biggest impact across 54 categories, including advertising , architecture , design , and more. Nature has typically been the first place that beauty companies turn to for solutions to aging and skin imperfections. Now there’s a new source—biotech—and it takes its inspiration from the pharmaceutical industry. The move toward lab-generated ingredients that promise to improve on what scientists would find in nature dovetails with society’s larger embrace of personalized medicine, including cell and gene therapy, says Sarah Broyd, a partner at Durham, North Carolina–based Clarkston Consulting who specializes in consumer healthcare and pharmaceuticals. “Even the mRNA technology used in some of the COVID vaccines has contributed to a greater general understanding of how biotechnology works, which has … [Read more...] about The 10 most innovative companies in beauty of 2023

Share to Twitter Share to Linkedin American IQ test scores have dropped during a recent 13-year period, a remarkable finding that runs counter to the well-established trend of increasing IQ scores throughout much of the 20th century. That’s a main result reported in a new study published in the journal Intelligence , entitled Looking for Flynn effects in a recent online U.S. adult sample: Examining shifts within the SAPA Project by Elizabeth M. Dworak, William Revelle, and David M. Condon. The study found evidence of a reverse “Flynn effect” in a large U.S. sample of almost 400,000 individuals tested between 2006 and 2018 in several ability areas. The Flynn effect refers to the well-replicated finding that IQ scores increased consistently through much of the 20th century, with increases ranging from three to five IQ points per decade. As part of the study, the authors analyzed data from the Synthetic Aperture Personality Assessment (SAPA) … [Read more...] about American IQ Test Scores Show Recent Declines, According To New Study

Explore the full 2023 list of Fast Company’s Most Innovative Companies , 540 organizations that are reshaping industries and culture. We’ve selected the firms making the biggest impact across 54 categories, including advertising , beauty , design , and more. How do four septuagenarian Swedish pop stars pull off a dazzlingly energetic 20-song set list before thousands of fans in a custom-built stadium? Easy: They get their holograms to do it. ABBA Voyage , a stunning marriage of art and technology architected by the visual effects company Industrial Light & Magic (ILM), has been a critical and financial success. It’s also a symbol of how the live performance industry is being transformed by technology, as digital elements are deployed to deepen fan immersion while staying true to what makes a live music experience so irreplicable. With concerts becoming increasingly visual extravaganzas, artists have access to new mediums to explore their creative … [Read more...] about The 10 most innovative companies producing live events in 2023

Share to Twitter Share to Linkedin When Brentford FC manager Thomas Frank finally broke his silence about the potential for star striker Ivan Toney to be hit with a lengthy ban he didn’t hold back. Toney pleaded guilty to 232 alleged breaches of rules related to gambling earlier this month and there is speculation the Football Association will deliver a severe punishment. Anti-gambling charities have highlighted the irony in Toney being reprimanded for indulging in a pastime soccer actively promotes. “If you force young people to endorse addictive products, don’t be surprised if they use them,” one organization, The Big Step, tweeted alongside a picture of Toney wearing different shirts emblazoned with gambling logos and player of the month trophies sponsored by betting firms. Amongst the images was a photo of Toney in the current Brentford FC home shirt which carries the ‘Hollywood Bets’ logo. And, when handling the topic of Toney’s ban, it … [Read more...] about Brentford FC Coach Thomas Frank’s Gambling Blindspot

Share to Twitter Share to Linkedin Brands are taking advantage of the national attention on both men’s and women’s basketball athletes during March Madness, but their strategies differ. Some had campaigns ready to go before the tournaments began, while others have been sitting on the sidelines waiting to see which programs and athletes emerge as this year’s biggest stories. Last year, Doug Edert and his signature mustache cashed in when Saint Peter's made history by becoming the first 15 seed to advance to the Elite Eight. Entering March in 2022, Edert had around 1,500 followers on Instagram and was rarely posting. A year later, he has more than 148,000 followers and has worked with national brands like Buffalo Wild Wings and Barstool Sports. Edert’s mustache is again a focus this year as it adorns special edition Pringles cans. The ““March Mustache Collection” also features Duke’s Dariq Whitehead and Virginia’s Ben Vander Plas. Fans are asked to show off … [Read more...] about How Brands Are Using The NCAA Tournament To Strike New NIL Deals

Share to Twitter Share to Linkedin ChatGPT has taken the world by storm. Many have asked if it is the new way to do a search. This question is intriguing given the potentially massive impact on the search engine business space and the competitive elements therein. However, that is not the question I ask - in this article - I explore a related question - if you have a business that has relied on Search Engine Optimization (SEO) for traffic and relevance, where does the ChatGPT leave you? Chat vs Search There is a fundamental user intent difference between chat and classic search (regardless of who is providing the facility). Classic search returns multiple answers, ordered in the manner the search algorithm believes is most relevant to the query. Search results can go into many pages. A Chatbot returns one or more answers (but often one), and more than one answer is often returned when the question asks for multiple options. Both approaches are provided … [Read more...] about ChatGPT: Is SEO – As We Know It – Dead?

Share to Twitter Share to Linkedin American Cruise Lines is announcing a 60-day river cruise that starts in Portland, Oregon on the West Coast and ends in New York City. Called “ The Great United States,” this ambitious voyage will mark the longest domestic river cruise itinerary ever. It will enable guests to visit 20 states and cruise four major American rivers, the Columbia and Snake Rivers, the Mississippi, and the Hudson. Complimentary daily shore excursions include private, guided tours of three national parks (Glacier, Yellowstone, and Grand Teton). Additional excursions will allow guests to explore the country’s maritime heritage in historic cities (including Boston and New York) and other towns and villages along the East Coast from Plymouth, MA; to Mystic, CT; to Newport, RI; to Port Jefferson, New York. Although the trip is divided into discrete segments on three of the line’s small ships— American Jazz , American Symphony , and … [Read more...] about Cruise Line Announces Longest-Ever U.S. River Cruise