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☆ Rich collectors want to give art to their kids, but they don't want it. Here's what they can do instead, and they can save millions on taxes, too.
▼ + stars: | 2024-06-30 | by ( Hayley Cuccinello | ) www.businessinsider.com time to read: +7 min

Read previewNearly 80% of wealthy art collectors want their masterpieces to stay in the family, according to a Bank of America survey. For instance, the survey found that collectors between 21 and 43 have a greater appreciation for sculptures and antiquities than older art aficionados. Rich art collectors are reluctant to address the issue, according to Rosemary Ringwald, head of art planning at Bank of America's private bank. Collectors are increasingly picking art executors or art trustees to oversee their possessions after they die, she said. The ideal executor does not have a financial interest in the art and isn't a prospective owner of it.

Persons: —, Rich, Rosemary Ringwald, Ringwald Organizations: Service, Bank of America, Business, Bank of, IRS, Bank Locations: Aspen

☆ A new study suggests a culprit in bird flu's rapid spread through US cattle, and how to stop it
▼ + stars: | 2024-06-29 | by ( Morgan Mcfall-Johnsen | ) www.businessinsider.com time to read: +5 min

Read previewContaminated milk may be spreading H5N1 bird flu between dairy cattle, contributing to a major outbreak across 12 US states. A new study shows the virus can survive for over an hour in raw (unpasteurized) milk left on the surfaces of materials used in equipment for milking dairy cattle. That's a clue in the mystery of how the virus has spread so rapidly between US dairy cattle, infecting over 130 herds in Idaho, Michigan, Colorado, Texas, and more. The cattle outbreak has scientists increasingly worried that the H5N1 virus could mutate enough to cause an outbreak in humans. However, the study suggests that cleaning milking equipment between cows and outfitting workers with protective gear could help prevent the spread.

Persons: —, Cynthia Goldsmith, Jackie Katz, Christopher Dye, Tony Kanaan, Jeff Haynes, Tom Vilsack, Meghan Davis, Davis, Robert F Organizations: Service, Business, CDC, AP, University of Oxford, FDA, Indianapolis, Indianapolis Motor, Reuters, Johns Hopkins Bloomberg School of Public Health, Workers Locations: Idaho , Michigan, Colorado , Texas, Brazil, Clinton , Maine, milkings

☆ An inside look at the workings of the 4-part arbitrage and momentum quant strategy driving an award-winning fund that's beaten 99% of its peers
▼ + stars: | 2024-06-29 | by ( Laila Maidan | ) www.businessinsider.com time to read: +6 min

For the ATRFX fund, this means betting on currencies, equities, commodities, and bonds, but not in a direct way. Instead, it employs everything from arbitrage strategies, riding out momentum and interest rates, or sitting on the sidelines when it's choppy. Over the last couple of years, higher interest rates have brought in some good yields. Related storiesOne step further is to arbitrage interest rates across currencies. Investors can do this by identifying national currencies with low interest rates, borrowing in that currency, and then lending in the currencies with higher interest rates.

Persons: David Miller, ATRFX, Miller, It's, that's, Yen, it's Organizations: Service, Systematic Alpha Fund, Business, Catalyst Capital Advisors, BNP Paribas, BNP, Commodities Commodities, Bloomberg, Federal Reserve

☆ A teenager fell off a Utah cliff to his death. His sister found a unique way to keep his memory alive
▼ + stars: | 2024-06-29 | by ( Sydney Bishop | ) edition.cnn.com time to read: +12 min

Jonathan was taking photos when a cliff he stepped on crumbled and he fell more than 200 feet to his death. After his death Rebecca looked through her brother’s cameras and found photos Jonathan had taken the day he fell. Contributors to the Jonathan Fielding journal project follow instructions left with the journal, seen here near Utah's Highway 24. Sherr Joy recognized the name and the description from having read the news about Jonathan’s death. Courtesy Rebecca FieldingAccording to Rebecca, Jonathan once spent 30 minutes dissembling a lamp in a stranger’s yard to free a bird trapped inside.

Persons: Jonathan Fielding, Rebecca, Rebecca Fielding, ” Jonathan, she’d, ideations, “, ” Rebecca, Takis, ”, Jonathan, Jon G, Fuller, didn’t, “ Jonathan, “ Jonathan Fielding, Bro, ” Tammy Mayo Fielding, Jonathan’s, Sherrie Joyce Miller, Kelli Hansen, Miller, Joy, Sherr Joy, ” Rebecca Fielding, Hansen, ” Sherr Joy, “ Jonathan Fielding’s, Lord Huron, ” Jonathan Fielding's, David W, James H, Jonathan …, Jonathan —, she’s, ‘, ‘ Rebecca, I’m, ’ ” Rebecca, “ I’ll, I’ll, don’t Organizations: CNN, Capitol, Facebook Locations: Utah, Missouri, 988lifeline.org, Orem , Utah, Blue Springs , Missouri, Hanksville , Utah, Utah's, The Netherlands, “, San Rafael

☆ It's getting so hot, EMTs are putting overheated people in iced body bags
▼ + stars: | 2024-06-28 | by ( Jenny Mcgrath | ) www.businessinsider.com time to read: +5 min

Read previewThis summer, medical professionals will use body bags to save lives. To treat heat-related illnesses, emergency medical professionals in Phoneix started using modified body bags called "immersion bags," The New York Times reported. Quickly submerging a heat stroke patient in icy water is one of the most effective ways to quickly bring down the body temperature. In one case, it only took eight minutes to effectively drop the person's body temperature. AdvertisementSpecial body bags for cooling baths will be standard equipment for ambulances and fire trucks in Phoenix.

Persons: —, Phoneix, They've, Sam Shen, Alexander St, John, Stephen Brashear, Shen, Grant Lipman, Lipman, Ross D Organizations: Service, Phoenix, National Oceanic, Atmospheric Administration, Business, New York Times, Guardian, Department of Emergency Medicine, Stanford University, Harborview Medical, AP, University of Kansas School of Medicine, Franklin Locations: Seattle, Washington, Phoenix, Arizona , California, Texas

☆ How many alarms should you set in the morning?
▼ + stars: | 2024-06-28 | by ( Taylor Nicioli | ) edition.cnn.com time to read: +6 min

If you are clogging your clock app with all those morning alarms, you’re setting yourself up for a groggy morning, experts say. He recommends setting one alarm, allowing for deep sleep to continue uninterrupted until you need to wake up in the morning. Most of the time, however, someone who needs multiple alarms to wake up in the morning is sleep deprived, she said. Goldstein recommends students use summer break to find how many hours of sleep they get naturally after a few weeks. Instead, Peters recommends trying to fall back asleep until it feels as though 15 to 20 minutes have passed.

Persons: CNN —, Brandon Peters, “, ” Peters, Cathy Goldstein, Goldstein, ”, Alicia Roth, a.m, Roth, Peters, ” Goldstein, you’re Organizations: CNN, Virginia Mason Franciscan Health, Disorders, University of Michigan Medical School Locations: Virginia, Seattle, Michigan, Ohio, ”

To help you browse the best ones going on now, I've rounded up the best 4th of July sales below. The best 4th of July electronics and appliances sales Appliances and electronics are notorious for their hefty price tags, which makes sales like these priceless. In time for the warming weather, I'm seeing some great price drops on air conditioner picks from our guides to the best portable air conditioners and the best air conditioner units. Burrow The best 4th of July home and kitchen dealsIt's a good time to buy furniture, whether you're shopping for indoor or outdoor pieces. SaatvaThe best 4th of July mattress dealsMattresses are on sale most of the year, it's true.

Persons: it's, We'll, BioLite, Abt Friedrich, Friedrich, AJ, AJ Madison Traeger, TCL, Rumpl, Kit, Burrow, Lauren Savoie, Hannah Freedman, Cha, they're, you'll Organizations: Business, Ikea's, Steam, LG, GE, Amazon Prime, Abt, eBay, Energy, AJ Madison, Independence, Samsung, Apple AirPods, Apple, Amazon, GE Gaming, Day, tote Locations: Burrow, Kyusu, Cha Kyusu, Brooklyn, Lo

☆ A Yale professor who struggled with stress created a concrete guide to being happy. Here's how it works.
▼ + stars: | 2024-06-28 | by ( Julia Pugachevsky | ) www.businessinsider.com time to read: +5 min

Santos, a Yale professor, oversaw over 500 students during the pandemic, ran a university lab, and led a podcast, she said in a recent episode. But there was some irony to her high stress levels: Santos is also known as a "happiness expert." In new episodes of her podcast, Santos tackles how she "flunks her own class," from being a perfectionist to fearing boredom. In the episode on stress, she spoke to David S. Yeager, a psychology professor at UT Austin. Advertisement"That was really profound for me, because stress really felt like it's just this biological phenomenon," Santos said.

Persons: —, Laurie Santos, Santos, Ryan Dilley, Dilley, busyness Santos, it's, David S, Yeager Organizations: Service, Business, UT Austin Locations: Yale

Amazon will double the value of credits it offers some startups to use its cloud infrastructure, CNBC has learned, as the company faces heightened competition from Microsoft in artificial intelligence services. Seed-stage startups will still be eligible for $100,000 in credits, AWS said. But Microsoft Azure and Google Cloud are growing more quickly, and are benefiting from rapidly advancing AI models. During Selipsky's time at the helm, Microsoft and Google increased their share of the cloud infrastructure market. Participants will be able to access up to $1 million in cloud credits, according to the website.

Persons: Matt Garman, Garman, Garman's, OpenAI, Anthropic, Adam Selipsky, Grant, Amazon's, Rohit Prasad, David Luan Organizations: Amazon Web, CNBC, Microsoft, AWS, Google, Gemini Locations: Las Vegas, Silicon, Silicon Valley

☆ ‘Miss AI’ beauty pageant and the complicated quest for the ‘perfect’ woman
▼ + stars: | 2024-06-27 | by ( Issy Ronald | ) edition.cnn.com time to read: +11 min

None of these women are real — everything about them, even the emotion that flickers across their faces, is generated by artificial intelligence (AI), for the world’s first ever AI beauty pageant. Fanvue World AI Creator AwardsEach of the contestants has a unique and distinctive personality, as well as face. But, echoing the reality of most modern Miss USA beauty pageant winners since the competition’s inception in 1921, most are White, thin and have long hair and symmetrical features, detailed Hilary Levey Friedman — a sociologist and author of “Here She Is: The Complicated Reign of the Beauty Pageant in America” — in a phone interview. Fanvue World AI Creator AwardsCreators of these AI models add that the technology itself is not necessarily the problem. Fanvue World AI Creator Awards“Influencers are just behind a screen,” Mohammad Talha Saray, one of Seren Ay’s creators, said.

Persons: ” Dr Kerry McInerney, Lalina, Turkey’s, Kemal Ataturk, Anne Kerdi, Zara Shatavari, Hilary Levey Friedman, Aiyana, McInerney, “ They’re, they’re, they’re compling, ” Aiyla Lou, “ DALL, Furkan Sahin, Seren, ”, Sally, Ann Fawcett, “ there’s, “, ” Fawcett, Asena, Sahin, Sofía, ” Eliza Khan, Levey Friedman, “ There’s, Merriam, Novales, Aitana, Lil Miquela, Calvin Klein, ” Mohammad Talha Saray, there’s, Anne Kerdi’s, Sébastien Keranvran, Anne, ” Anne Kerdi, Anne goodnight, Fanvue, it’s Organizations: CNN, Leverhulme Centre, Intelligence, University of Cambridge, Pageant, America ”, Miss, Prada Locations: French, Kyoto, Japan, Brittany, France, Miss USA, America, Brazil, Morocco

☆ EToro surveyed 10,000 retail investors to see what's in their portfolios. Here's the breakdown of how they're betting on cash, crypto, and their top 3 stock-market sectors.
▼ + stars: | 2024-06-27 | by ( Christine Ji | ) www.businessinsider.com time to read: +4 min

EToro surveyed 10,000 retail investors in 12 countries to see what they're holding in their portfolios, collecting data from the period of May 15 to June 5, 2024. Thirty-eight percent and 32% of retail investors in these countries, respectively, own cryptocurrency, compared to 27% in the US. Top stock market picksEquities remain popular among retail investors, coming in second only to cash. Unsurprisingly, technology was a top pick for retail investors eager to take advantage of the tech-driven market rally of this year. Other areas of interest include real estate, communications, and healthcare, with 30% or more of retail investors indicating that they were invested in these sectors.

Persons: —, eToro, Cash, Sam North, Cryptocurrency Organizations: Service, Business, ECB Locations: EToro, Spain, Germany

☆ I spent just $180 for a coach ticket on a 7-hour red-eye flight to Europe. I'd book the same budget airline again, but I wouldn't go overnight.
▼ + stars: | 2024-06-27 | by ( Joey Hadden | ) www.businessinsider.com time to read: +1 min

I took a red-eye flight from NYC to Berlin to start a two-week trip to Europe in October 2022. For $180, I flew through the night with Norse Atlantic Airways and had a row of seats to myself. Although I thought the flight itself was ideal for a red-eye, I started my trip feeling exhausted. AdvertisementIn October 2022, I flew from my home in NYC to Berlin for a two-week train trip through Europe. For this trip, that option was an eight-hour red-eye flight on an airline I'd never heard of, Norse Atlantic Airways.

Persons: —, John F, I'd Organizations: Norse Atlantic Airways, Service, John, Kennedy International Airport, Business Locations: Berlin, Europe, NYC, JFK

☆ 30-year-old turned her side hustle into a business that brings in $100,000 a year: ‘I’m so glad I bet on myself’
▼ + stars: | 2024-06-27 | by ( Parween Mander | ) www.cnbc.com time to read: +3 min

When I lost my job, I felt expendable and like I didn't have any agency or ownership over my career. DON'T MISS: The ultimate guide to earning passive income online I'm so glad that I bet on myself. Here are three steps I took to turn my side hustle into a lucrative, full-time business. I hired a coach that specialized in marketing and TikTok, and started posting a minimum of two videos a day. In 2022, I started a group coaching offering after I had barely sold out my one-on-one coaching slots.

Persons: Wolfe, aren't, I've Organizations: Brands

☆ I sat in the front and back of economy for a round-trip, long-haul flight. I'm still partial to the back.
▼ + stars: | 2024-06-27 | by ( Monica Humphries | ) www.businessinsider.com time to read: +5 min

Read previewIt's a hot take, but I love the back of a plane — especially on a long-haul flight. But after a handful of long-haul flights tucked away in the rear of economy, I decided to see if my preference remained strong. On a recent round-trip, long-haul Lufthansa flight between Denver and Germany, I decided to compare the two areas of economy. AdvertisementAn economy seat on a long-haul Lufthansa flight. Monica Humphries/Business InsiderUltimately, no economy seat on a long-haul flight is ideal, but I'm sticking with the backNo matter the seat, a 10-hour flight isn't fun.

Persons: —, Monica Humphries, I'm, that's, I've Organizations: Service, Lufthansa, Business, I've Locations: Denver, Germany, Tokyo, Munich

☆ A Gen Zer who moved to Indianapolis, where she pays less than $1,700 in rent, shares the pros of living in 'a big city with small-town charm.'
▼ + stars: | 2024-06-27 | by ( Madison Hoff | ) www.businessinsider.com time to read: +7 min

She also resided in New York City, and she has studied abroad and worked in Italy. Now working and living in Indianapolis, Ball doesn't see herself leaving this Midwest city soon. With a population of over 800,000, Ball finds Indianapolis is "a big city with small-town charm." "There was just something really charming about the city," Ball said. Courtesy of Milan BallShe does miss getting around via subway in New York City and finds it tough not having a car to get around in Indianapolis.

Persons: —, she's, Ball, Zers, Indiana University Lilly, I'm, didn't, Ball's, Milan Organizations: Service, Business, Midwest Ball, Indianapolis, Indiana University, Indiana University Lilly Family School of Philanthropy, Innovation, Public Locations: Indianapolis, Virginia, New York City, Italy, Midwest, New York, Washington, DC, York, Williamsburg, White

☆ I want to lose fat, build muscle, and get stronger. A nutritionist said to eat more carbs.
▼ + stars: | 2024-06-27 | by ( Rachel Hosie | ) www.businessinsider.com time to read: +5 min

He told Business Insider that his goals are to lose fat, build muscle, and get stronger. Derek said he works out six days a week, doing four strength training sessions and two HIIT workouts. AdvertisementMolloy said Derek isn't eating enough carbs overall, which isn't ideal because he needs energy for his high-intensity workouts and strength training. "Increasing carbohydrate intake could enhance workout performance and recovery," Molloy said. "Lastly, I would just emphasize to Derek the importance of introducing phases into his training," Molloy said.

Persons: —, Derek, Mike Molloy, Molloy, Derek isn't Organizations: Service, Insider's Nutrition Clinic, Business Locations: Brussels

☆ A US diplomat says US colleges need more Chinese students to enroll — but in the arts, so they can be walled off from accessing sensitive tech
▼ + stars: | 2024-06-25 | by ( Aditi Bharade | ) www.businessinsider.com time to read: +5 min

But he added that the US does need more Chinese students, too — just not in STEM. AdvertisementHe also cited security concerns about letting Chinese students access sensitive technology. But even now, Chinese students say that they have been facing extra scrutiny while entering the US. The Washington Post, citing online discussion forums, reported in March that Chinese students were questioned for hours at US border controls, or had their visas canceled without valid reasons. In April, the Senate passed a bill that, if signed into law by President Joe Biden, will force Chinese tech company Bytedance to sell video site TikTok.

Persons: —, Kurt Campbell, Campbell, There's, Trump, Donald Trump, Joe Biden, Campbell didn't Organizations: Service, of Foreign Relations, Business, Trump, China Initiative, Department of Justice, Washington, Institute of International Education, American, Apple, Counterpoint Research, Huawei Locations: United States, China

To help you browse the best ones going on now, I've rounded up the best 4th of July sales below. Appliances including air conditioners and outdoor fire pits are down to excellent prices for the 4th of July. In time for the warming weather, I'm seeing some great price drops on air conditioner picks from our guides to the best portable air conditioners and the best air conditioner units. EcoFlow Wave 2 Portable Air Conditioner $1,199.00 $2,237.00 Save 46% The EcoFlow Wave 2 is the best battery-powered portable air conditioner we've tested. RumplThe best 4th of July outdoor and camping dealsSeveral stores are welcoming the warm weather and end of the school year by dropping prices on outdoor essentials, from accessories to full-size tents.

Persons: it's, We'll, BioLite, TCL, Rumpl, Kit Organizations: Business, Ikea's, Steam, LG, GE, Amazon Prime, Energy, Independence, Amazon, REI Locations: REI Outlet

☆ Book your July 4 flights now if you haven't already, travel expert warns: 'You don't want to wait any longer'
▼ + stars: | 2024-06-25 | by ( Nicolas Vega | ) www.cnbc.com time to read: +3 min

If you've been waiting until the last minute in hopes of snagging a July 4 travel deal, it's time to take the plunge. Katy Nastro, a travel expert at Going, tells CNBC Make It that holding out for a super-cheap flight is a strategy that is likely to backfire. "You don't want to wait any longer hoping and praying that some magic cheap flight is going to drop in price by 50%," she says. You're more likely to find a better price on winter holiday flights than you are for the July 4 holiday. "You're more likely to find a better price on winter holiday flights than you are for the July 4 holiday," she says.

Persons: you've, snagging, Katy Nastro, Nastro, Tang Ming Tung, Izusek, Erlon Silva Organizations: CNBC, TSA, Airlines, Google, Tri Locations: Katy

☆ Opinion: Five keys to unlocking a creative, restful life
▼ + stars: | 2024-06-25 | by ( Opinion Tess Taylor | ) edition.cnn.com time to read: +12 min

If, like me, you’re wondering about how to rest more, and rest better, you’re in luck. What makes for a creative life? What’s left is creative work, whether we call it “creative” or not. For instance, being a preschool teacher or a social worker or a sales rep is creative work: It requires judgment, empathy, decision making and problem solving. People who flourish in stressful, demanding jobs are ones who have good boundaries between work life and their personal lives.

Persons: Tess Taylor, CNN — It’s, you’re, Tess Taylor Adrianne, —, unsustainably, Alex Soojung, Kim Pang, ”, Alex, Zoom, I’ve, Kim Pang Andreas Gebert, haven’t, It’s, I’m, What’s, I’d Organizations: “, CNN, Research Locations: Silicon Valley, Cambridge

☆ CDC issues dengue fever alert in the U.S.
▼ + stars: | 2024-06-25 | by ( Nicole Acevedo | ) www.cnbc.com time to read: +2 min

The alert comes as an unexpectedly higher number of dengue fever cases have been reported across the nation, according to the CDC. The CDC reported 3,036 dengue cases last year in the U.S. and its territories. This year, the incidence of dengue fever globally has been the highest on record, especially in Latin American countries, where more than 9.7 million dengue cases have been reported. A person can get sick with dengue fever up to four times in their lifetime — once for each type of virus that can cause the disease, according to the CDC. The latest CDC alert advises health care providers to have increased suspicion of dengue among people with fever, especially if they have recently been in areas with frequent dengue transmission.

Persons: That's, They're, it's Organizations: Disease Control, CDC Locations: Brazil, United States, U.S, Puerto Rico

☆ A day in the life of someone who lives in Montreal — the 'Paris of North America'
▼ + stars: | 2024-06-25 | by ( Mira Miller | ) www.businessinsider.com time to read: +1 min

I live in Montreal an idyllic Canadian town in Quebec known as the Paris of North America. A typical weekend day for me consists of great food, shopping, and catching up with friends. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . AdvertisementWhen you think about a world-class city where most locals speak French, Paris is likely the first place that comes to mind. Plus, unlike Paris — which is one of the most expensive places to live — Montreal has struck an ideal balance between a low cost of living and a high quality of life.

Persons: — Organizations: Paris of, Service, Business Locations: Montreal, Quebec, Paris, Paris of North America, Canadian

☆ I moved to Florida from Colorado. Things are more expensive, but I'm going to the beach a lot and already feel at home.
▼ + stars: | 2024-06-25 | by ( Jordan Pandy | ) www.businessinsider.com time to read: +8 min

Now is the time to make a change if I'm going to do it again. I ended up landing this job at a mostly Haitian-American school, and I decided, "If I'm going to explore this, I'm going to do it now and give it a shot." AdvertisementGas is pretty comparable, except in Miami Beach. I've been a couple of times and it's crazy to see how gas is an entire dollar more at the beach than it is in Miami — so I just won't get gas in Miami Beach. Just in case I don't stay in Florida forever, I'm going to go to the beach as much as I can.

Persons: —, Derek Edwards, I'm, COVID, Messi, Lionel Messi, Rich Storry, It's, Edwards, that's, I've Organizations: Service, Business, Denver, University of Wisconsin, Miami, Inter Miami, Nashville SC, New, Getty, Foods, Miami I'm Locations: Denver, Miami, —, Edwards, Wisconsin, Wausau, Colorado, La Crosse, Haiti, Jamaica, Fort Lauderdale, Caribbean, New York City, Haitian, Anadolu, Philadelphia, Miami Gardens, Miami Beach, Florida

☆ U.K. fiscal situation is far from ideal, wealth planner says
▼ + stars: | 2024-06-25 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailU.K. fiscal situation is far from ideal, wealth planner saysSimon Allister, head of wealth planning at LGT Wealth Management, says countries are actively trying to attract wealth individuals from the U.K., as some of the firm's clients consider relocation.

Persons: Simon Allister Organizations: LGT Wealth Management

Citi analyst Andrew Kaplowitz upgraded his rating for the heating and ventilation company to buy from neutral. The analyst accompanied the move by upping his price target to $74 from $65, implying that shares of Carrier Global could rally 17% going forward. The financial institution raised its price target for Nvidia to $150 from $135. Analyst Erin Wright stood by her overweight rating on the health insurance stock, reiterating her $595 price target. Wright set a price target of $374, which is 23% higher than the insurance company's Friday closing price of $355.48.

Persons: Goldman Sachs, Andrew Kaplowitz, CARR, Kaplowitz, — Lisa Kailai Han, Jefferies, Blayne Curtis, kingmaker, Curtis, Lisa Kailai Han, Morgan Stanley, UnitedHealth, Morgan Stanley's, Erin Wright, Wright, Bernstein, Stephen Reitman, Ferrari, Reitman, Ferrari's, Sanjeet Aujla, Aujla, BUD, Christopher Danely, Danely, James Schneider, Schneider, Fred Imbert Organizations: CNBC, Monday, Citi, Micron Technology, IBM, Carrier Global, Carrier, Nvidia, Humana, Ferrari, UBS, Anheuser, Busch InBev It's, Busch InBev, Micron, Citi Citi, Dow Jones Industrial, Dow Locations: China, UnitedHealth, U.S, Friday's

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