Clairo stopped by The Tonight Show Starring Jimmy Fallon last night (July 17), performing ‘Juna’ from her new album Charm alongside her live band. Watch it happen below.
Charm released Charm, her third album, last Friday. Earlier this week, Clairo announced the Charm Tour, which will take her across North America in the autumn following her residencies in California and New York.
Those wishing to gradually accumulate wealth through consistent, methodical investing have favour Systematic Investment Plans (SIPs). It is important to carefully analyse several criteria to ensure that the right SIP for your investments fits your investment horizon, risk tolerance, and financial objectives. Here are some tips to guide you through the process.
Risk tolerance varies from person to person and is crucial in determining the best SIP to invest in 2024. Given their larger returns and associated hazards, equity funds are best suited for individuals with longer investment horizons and a greater willingness for risk. Conversely, debt funds are less volatile and are better suited for conservative investors. Balanced or hybrid funds offer a middle ground by putting money in equities and debts, providing moderate risk and returns.
The fund’s historical performance is one of the most important factors to consider when choosing the best SIP to invest in. While past performance cannot predict future results, it can provide valuable insights into how the fund has managed market volatility and generated returns over time. Seek out funds with a stable performance history for at least five years. Analyse the fund’s performance across different market cycles to ensure it has provided stable returns in bullish and bearish markets. This evaluation can help you select a fund with proven resilience and potential for growth.
The expertise and experience of the fund manager are critical in determining the success of a mutual fund. Research the fund manager’s background, track record, and investment philosophy. A manager with a history of successfully managing funds and delivering consistent returns will likely continue performing well. Additionally, funds managed by a stable and experienced team can add confidence to your decision.
The expense ratio of a mutual fund reflects the annual fee that investors are charged by the fund management company fund management company charges investors. This fee covers management, administrative, and other operational expenses. A high expense ratio can affect your returns, especially over the long term. If you want to optimise your net returns, pick funds with lower expense ratios. Remember that while the expense ratio is important, it should not be the sole deciding factor. It should be balanced with other aspects, such as fund performance and management quality.
Comprehending the nature of a mutual fund’s portfolio can offer valuable perspectives on the risks and returns linked to the investment. Analyse the fund’s holdings to ensure they align with your risk tolerance and financial goals. For equity funds, look at the sector allocation, market capitalisation, and stock diversification.
While high returns are attractive, consistency in returns is more crucial for long-term wealth creation. Seek funds that have demonstrated consistent performance across different periods. Funds that provide steady returns with minimal volatility are preferable over those with erratic performance. Consistency indicates the fund manager’s ability to manage the portfolio effectively and navigate market fluctuations. This consistency can provide peace of mind and ensure a smoother financial journey.
Putting money in a SIP is not a set-it-and-forget-it strategy. To ensure your investments align with your financial objectives and the state of the market, you must regularly monitor and review them. Stay updated with the fund’s performance, changes in the fund management team, and any shifts in the investment strategy. Periodic reviews will help you make informed decisions about whether to continue, increase, or switch your SIP finances based on their performance and your evolving financial objectives.
Choosing the best SIP to invest in 2024 requires a thorough understanding of the above-mentioned factors. These pointers can help you make well-informed financing selections that support your aims and pave the road to reaching your financial ambitions. If you regularly monitor and review your finances, they will continue to satisfy your expectations and adjust to shifting market conditions.
San Diego, known for its sunny weather and beautiful beaches, is a wonderful place to live. However, like any bustling city, it comes with its own set of personal injury risks. Being aware of these risks and knowing how to avoid them can help you and your loved ones stay safe. Here are the top five personal injury risks for San Diego residents and tips on how to avoid them.
If you or a loved one is injured due to someone else’s negligence, consulting a San Diego personal injury lawyer can be crucial. An experienced lawyer can help you understand your rights, navigate the complexities of personal injury law, and pursue compensation for your injuries.
San Diego’s busy roads and highways see a significant number of car accidents every year. Factors such as heavy traffic, distracted driving, and impaired driving contribute to these accidents.
How to Avoid Them:
Slip and fall accidents are common in places like grocery stores, shopping malls, and even on uneven sidewalks. Wet floors, poorly maintained surfaces, and obstacles can lead to serious injuries.
How to Avoid Them:
San Diego is a bike-friendly city, but sharing the road with vehicles can be dangerous. Bicycle accidents can occur due to driver negligence, poor road conditions, or cyclist inexperience.
How to Avoid Them:
Dog bites can result in serious injuries and are a common concern in San Diego. Even friendly dogs can bite if they feel threatened or are not properly controlled.
How to Avoid Them:
San Diego’s beaches and pools are popular spots, but they also pose risks such as drowning, near-drowning, and injuries from water sports.
How to Avoid Them:
By being aware of the common personal injury risks in San Diego and taking proactive steps to avoid them, you can help ensure your safety and well-being. Whether you’re driving, biking, walking, or enjoying the water, always stay vigilant and follow safety guidelines. Remember, if you do suffer an injury, seeking legal advice can help protect your rights and support your recovery.
Staying competitive requires more than just offering quality products and services. Retailers must also ensure operational excellence, maintain compliance with regulations, and continuously improve customer experiences. Retail auditors play a crucial role in achieving these objectives by providing insights and evaluations that help stores optimise their performance. This article will explore how retail auditors enhance store performance, particularly in the context of the latest industry trends and technologies.
Traditionally, retail auditors focused on compliance and financial accuracy, ensuring that stores adhered to internal policies and external regulations. While these responsibilities remain vital, the role of retail auditors has expanded significantly. Today, they are also involved in assessing operational efficiency, customer service quality, inventory management, and the implementation of technological solutions.
Compliance remains a cornerstone of retail auditing. Auditors ensure that stores comply with local and national regulations, industry standards, and internal policies. This includes everything from health and safety regulations to financial reporting standards. By identifying compliance issues early, auditors help prevent legal penalties, financial losses, and damage to the store’s reputation.
New regulations on data privacy, sustainability, and labour practices have increased the complexity of compliance. Retail auditors must stay ahead of these changes and ensure that stores are not only compliant but also proactive in adopting best practices.
Retail auditors evaluate various aspects of store operations to identify inefficiencies and areas for improvement. This includes analysing sales processes, staff productivity, supply chain logistics, and inventory management. By providing detailed reports and actionable recommendations, auditors help store managers streamline operations, reduce costs, and improve profitability.
For example, an auditor might identify that a store is overstocked with certain products, leading to increased holding costs and potential waste. By adjusting inventory levels and improving stock turnover rates, the store can reduce expenses and free up capital for other investments.
Customer experience is a critical factor in retail success. Auditors assess the quality of customer interactions, the efficiency of service delivery, and the overall shopping environment. This involves evaluating staff training programs, customer service protocols, and the effectiveness of in-store promotions.
In 2024, the focus on personalised shopping experiences has intensified. Retail auditors use data analytics to understand customer preferences and behaviours, helping stores tailor their offerings and marketing strategies to meet the needs of their target audience. By enhancing customer satisfaction and loyalty, stores can drive repeat business and increase revenue.
The integration of advanced technologies has revolutionised retail auditing. Tools such as artificial intelligence (AI), machine learning, and data analytics enable auditors to conduct more thorough and efficient evaluations. These technologies also provide deeper insights into store performance and customer behaviour.
Data analytics is a powerful tool for retail auditors. By analysing large volumes of data from various sources, auditors can identify trends, patterns, and anomalies that may indicate underlying issues. For instance, sales data can reveal which products are performing well and which are lagging, while customer feedback can highlight areas where service improvements are needed.
Predictive analytics is particularly valuable, as it allows auditors to forecast future trends and challenges. This enables stores to take proactive measures, such as adjusting inventory levels before a predicted surge in demand or addressing potential compliance risks before they escalate.
AI and machine learning algorithms can automate many aspects of the auditing process, making it more efficient and accurate. For example, AI can be used to scan financial records for discrepancies or to monitor compliance with regulatory requirements in real-time. Machine learning models can identify patterns that human auditors might miss, providing deeper insights into store performance.
These technologies also enable continuous auditing, where data is analysed in real-time rather than through periodic reviews. This allows stores to quickly identify and address issues, leading to more agile and responsive operations.
The COVID-19 pandemic accelerated the adoption of remote auditing technologies, and this trend has continued into 2024. Mobile auditing tools allow auditors to conduct evaluations from any location, using smartphones or tablets to collect data, take photos, and record observations. Remote auditing platforms enable auditors to collaborate with store staff and management in real-time, regardless of their physical location.
This flexibility not only increases the efficiency of the auditing process but also allows for more frequent and comprehensive evaluations. Stores can receive ongoing support and guidance from auditors, leading to continuous improvement and enhanced performance.
As we look to the future, the role of retail auditors will continue to evolve in response to new challenges and opportunities. Several trends are likely to shape the future of retail auditing:
Sustainability has become a critical issue for retailers and consumers alike. Retail auditors will play a key role in helping stores adopt sustainable practices, from reducing waste and energy consumption to sourcing products ethically. Auditors will evaluate the effectiveness of sustainability initiatives and provide recommendations for improvement.
The rise of omnichannel retailing, where customers interact with stores through multiple channels (online, in-store, mobile), presents new challenges for auditors. They will need to assess the integration and consistency of these channels, ensuring that customers receive a seamless experience regardless of how they shop.
With the increasing use of data analytics and AI, data security and privacy will remain top priorities. Retail auditors will need to stay vigilant in monitoring data protection practices and ensuring compliance with evolving regulations. This includes assessing the security of new technologies and platforms used by stores.
The pace of technological innovation shows no signs of slowing down. Retail auditors will need to stay abreast of the latest tools and techniques, from AI-driven analytics to blockchain technology. Continuous learning and adaptation will be essential for auditors to provide relevant and effective guidance to retailers.
In 2024, retail auditors will be more than just compliance checkers; they will be strategic partners in enhancing store performance. By leveraging advanced technologies and providing insights into operational efficiency, customer experience, and risk management, auditors help retailers navigate the complexities of the modern retail landscape. As the industry continues to evolve, the role of retail auditors will become increasingly critical in driving success and ensuring sustainable growth.
The history of online gambling dates back to the quest for more convenient and accessible ways to enjoy games of chance. It all started in 1994 when the Free Trade and Processing Act was enacted. This important law laid the groundwork for the creation of online casinos and established the legal framework for Internet gambling.
As a result, the stage was set for the rapid growth of online gambling. Get ready to explore a fascinating story about the history of online gambling and how its evolution has transformed the way people engage with games of chance.
Before online casinos existed, gamblers had a tough time finding their favorite games. Dealers had to carry slot machines and other games from one casino to another. This made it hard for players to enjoy slot machines whenever they wanted.
However, the internet changed everything. With the internet, players could access a variety of casino games like virtual slot machines, blackjack, poker, and roulette from their own homes. This convenience ushered in a new era for gambling, making it easier and more accessible for everyone.
In 1993, gamblers saw an interesting change with the introduction of Teletext pages. These pages showed live sports odds, making it easier for people to keep track of betting options. At the same time, phone betting services started to become popular, allowing people to place bets without going to a physical location.
These advancements paved the way for online gambling. Around 1994, companies like Microgaming and InterCasino began creating online casino platforms, making gambling more accessible and offering a wider variety of games from the comfort of home. These early efforts laid the foundation for the robust online gambling industry we know today.
In 1994, Antigua and Barbuda passed the Free Trade and Processing Act (FTPA). This law helped the country become a major player in the online gambling world. Before 1994, Antigua and Barbuda already had successful brick-and-mortar casinos that attracted many tourists.
Antigua and Barbuda, known for its tourism and casinos, saw potential in the Internet as it started gaining popularity. They aimed to expand their gambling industry into the online realm, realizing it could bring even more economic benefits.
To capitalize on this, the government of Antigua and Barbuda engaged with international trade bodies, including the World Trade Organization (WTO). They wanted to legitimize their position as a hub for online gambling.
The FTPA allowed the government to issue licenses for online casinos, making it legal to operate internet gambling sites in the country. Although regulation and enforcement were not strong, the law paved the way for a boom in the industry.
As a result, many online casinos and gambling companies set up shop in Antigua and Barbuda. This boosted the economy and created new job opportunities, cementing the country’s position in the global online gambling market.
The debate about the very first online casino games is still ongoing. Nevertheless, Microgaming’s The Gaming Club and Cryptologic’s InterCasino are both strong contenders. Microgaming, founded in 1994, is credited with bringing popular casino games like Blackjack, Craps, Video Poker, and Roulette to online players.
Cryptologic followed closely in 1996 with InterCasino, which integrated a secure payment system. This feature allowed people to bet money online safely, helping online gambling take off. Today, online casinos are available in many countries, but it’s important to check where online casinos are legal so that people can gamble responsibly and within the law.
The online gambling industry grew quickly. In 1996, there were around 15 gambling websites. By the end of 1997, this number jumped to more than 200. As online gambling became more popular, more companies started making software for these sites. Playtech plc joined the market in 1999, and it is known for its detailed and realistic games.
By 1998, there were 700 online casinos where people could bet real money. These websites made between $835 million and $1 billion each year. This rapid growth showed just how much demand there was for online gambling.
Nala Sinephro has announced a new album titled Endlessness. The follow-up to the jazz musician’s 2021 debut Space 1.8 is set to arrive on September 6 via Warp. The LP was composed, produced, arranged, and engineered by Sinephro and features contributions by Sheila Maurice-Grey, Morgan Simpson, James Mollison, Lyle Barton, Nubya Garcia, Natcyet Wakili, and Dwayne Kilvington. Below, check out the album’s cover artwork, featuring a painting by Daniela Yohannes and design by Maziyar Pahlevan.
Endlessness Cover Artwork:
Primal Scream have announced Come Ahead, their first album in eight years. Set for release on November 8 via BMG, the LP was produced by David Holmes and the band’s Bobby Gillespie and Andrew Innes. Check out the new single ‘Love Insurrection’ below.
“I’m very excited about this album in a way that you would be making your first record,” Gillespie said in a statement. “If there was an overall theme to Come Ahead it might be one of conflict, whether inner or outer. The title is a Glaswegian term. If someone threatens to fight you, you say, ‘come ahead!’ It’s redolent of the indomitable spirit of the Glaswegian, and the album itself shares that aggressive attitude and confidence.”
“There is a message of hope in the record,” Gillespie added. “But it’s tempered with an acceptance of the worst side of human nature.”
Come Ahead Cover Artwork:
Come Ahead Tracklist:
1. Ready To Go Home
2. Love Insurrection
3. Heal Yourself
4. Innocent Money
5. Melancholy Man
6. Love Ain’t Enough
7. Circus of Life
8. False Flags
9. Deep Dark Waters
10. The Centre Cannot Hold
11. Settlers Blues
Cold Gawd have unveiled a new track, ‘Gorgeous’, lifted from their forthcoming album I’ll Drown on This Earth. It arrives on the heels of last month’s ‘All My Life, My Heart Has Yearned for a Thing I Cannot Name’. Check it out below.
“‘Gorgeous’ picks up where ‘Passing…’ [album closer from COLD GAWD’s 2022 breakout LP God Get Me the Fuck Out of Here] leaves off,” the band’s Matthew Wainwright explained in a statement. “I thought if I addressed all the issues and changed my scenery then my heart would be free and I could start again. However, all of what was holding me down followed with me and what I thought would ‘fix’ me proved to be nothing if not more harmful. By the end of the song I’ve drowned to the bottom of Mooney Falls and I’m looking for that hand to hold to bring me back up.”
I’ll Drown on This Earth is due August 30 on Dais Records.
fantasy of a broken heart have dropped a new song, ‘Loss’, taken from their upcoming debut album Feats of Engineering. It follows lead single ‘Ur Heart Stops’. Give it a listen below.
Discussing the new song, the band’s Bailey Wollowitz said in a statement:
There’s always a tension in songwriting between simplicity and excess. Especially in the home digital recording era, it’s hard to ignore an anxious tugging at the endless possibilities of overdubbing and arrangement. Why not put a string section on every song? In these moments of preoccupation, I often came back to the first few Unknown Mortal Orchestra records, which have always inspired me as pieces of work that achieve sonic maximalism with very minimal arrangements; a perfect hybrid between the euphoric peaks of the later Beatles catalogue and the roughest sounding Jay Reatard demo. The song Loss started as a word on a piece of paper and a desire to capture a complex feeling in a simple way. Memory loss, hearing loss, loss of love, loss of a loved one. Getting lost in yourself. This was the first song demoed for the album, and was a turning point for realizing that there was nowhere to hide with being honest about this stuff. By the final mix we had stripped back the layers and left it as it was meant to be: a little song with a lot to say. We also lost some of the drum stems along the way.
Feats of Engineering comes out September 27 on Dots Per Inch.
Drug Church have announced their fifth album, PRUDE. The follow-up to 2022’s Hygiene will land on October 4 via Pure Noise Records. It features the previously released single ‘Myopic’, as well as the newly unveiled ‘Demolition Man’, which comes paired with a video starring Biff Wiff (I Think You Should Leave, Everything Everywhere All at Once). Check it out and find the LP’s details below.
PRUDE was produced and recorded by longtime collaborator Jon Markson. “I’m hesitant to say this album is more emotional, but I think there’s definitely some emotional songs on the record,” vocalist Patrick Kindlon said in a press release. “I wanted to avoid some of the topics I’ve been hammering for years, but I almost can’t, I’m limited to what interests me, or upsets me, or grabs my attention. So there’s certainly classic Drug Church stuff–people derailing their lives, a strong pull to some type of individualism, frustration with mob mentality, this idea that maybe community isn’t what it’s sold as–but I would say that this album approaches it from sort of a sad storytelling way. This one feels more earnest to me.”
PRUDE Cover Artwork:
PRUDE Tracklist:
1. Mad Care
2. Myopic
3. Hey Listen
4. Demolition Man
5. Business Ethics
6. Slide 2 Me
7. Chow
8. The Bitters
9. Yankee Trails
10. Peer Review
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