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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

☆ Here are Monday's biggest analyst calls: Nvidia, Amazon, IBM, Micron, Apple, Tesla, Broadcom, Planet Fitness, UnitedHealth & more
▼ + stars: | 2024-06-24 | by ( Michael Bloom | ) www.cnbc.com time to read: +6 min

Morgan Stanley initiates Ryder System as overweight Morgan Stanley said the transformation is underway for the transport company. " Morgan Stanley names UnitedHealth a top pick Morgan Stanley said the health-care company is compelling. "With this note, we are adjusting our Top Pick to UNH (from CI), where its relative share price performance presents an opportunity in our view." Morgan Stanley initiates Elevance Health as overweight Morgan Stanley called out Elevance Health's earnings power as it initiated coverage of the stock. " Melius reiterates Apple as buy Melius raised its price target on Apple to $260 per share from $227.

Persons: Jefferies, kingmaker, CARR, Goldman Sachs, Goldman, Morgan Stanley, Ryder, UnitedHealth, Bernstein, Tesla, TD Cowen, TD, it's, Melius, BEV, Eli Lilly, LLY Organizations: Nvidia, Citi, Micron, Carrier, UBS, Anheuser, Busch InBev, IBM, Bank of America, Broadcom, VMWare, CI, Elevance Health, Cherniere Energy, Cheniere Energy Inc, Ally, Barclays, Apple, " Bank of America, Alexa, Reuters, China, JPMorgan, Royal Locations: LLY, Royal Caribbean

☆ Biden and Trump's first 2024 debate will be different than any other in recent memory
▼ + stars: | 2024-06-24 | by ( Brent D. Griffiths | ) www.businessinsider.com time to read: +9 min

Read previewPresident Joe Biden and former President Donald Trump are set to face off later this week in the earliest major presidential debate on record. The first presidential debate of the 2024 election will be Thursday, June 27 at 9 p.m. Then-President Donald Trump eyes former Vice President Joe Biden during the final debate of the 2020 election. In late April, Biden told radio host Howard Stern he would debate Trump. Trump will be in Virginia, a state that hasn't gone for the GOP in a presidential election since 2004.

Persons: —, Joe Biden, Donald Trump, Morry Gash, Trump, Biden, Jake Tapper, Dana Bash, Biden team's, Daniel Dale, Tapper, David Chalian, Robert F, Kennedy Jr, Kena Betancur, Kennedy, Nicole Shanahan, Kennedy's, we’ve, hick, O, hite, ake, ike, orward, egan, orth Organizations: Service, Clear, Trump, Business, CNN, New York Times, Getty, O bama Locations: Max, Atlanta, AFP

☆ Stocks making the biggest moves midday: ResMed, Affirm, Nvidia, Anheuser-Busch and more
▼ + stars: | 2024-06-24 | by ( Michelle Fox | ) www.cnbc.com time to read: +4 min

Affirm — The buy now, pay later stock popped 10% after Goldman Sachs assumed coverage of the name at a buy rating. Roth MKM upgraded Cinemark to a buy from a neutral rating, saying that headwinds should soon shift to "very attractive tailwinds." Anheuser-Busch InBev — The brewing company's shares rose around 3% after UBS upgraded the stock to buy from neutral. Carrier Global — The heating and ventilation stock rose 3% on the heels of a Citi upgrade to buy from neutral. Energy stocks – A slate of energy names rose as crude oil futures jumped to start the last week of June.

Persons: Eli Lilly, tirzepatide, Eli Lilly's, ATTR, Goldman Sachs, Will Nance, Roth MKM, headwinds, Morgan Stanley, Cowen, Ferrari, Brent, SLB, Baker Hughes, — CNBC's Lisa Han, Jesse Pound, Alex Harring, Sean Conlon, Samantha Subin Organizations: Systems, Food and Drug Administration, Coyote Logistics, UPS, Alnylam Pharmaceuticals, Nvidia, Microsoft, Anheuser, Busch InBev, UBS, Busch, IBM, Ryder, Carrier, Citi, Ferrari —, Energy, West Texas Intermediate, APA Locations: U.S

☆ What to expect at Biden and Trump's first 2024 debate
▼ + stars: | 2024-06-24 | by ( Brent D. Griffiths | ) www.businessinsider.com time to read: +9 min

Read previewPresident Joe Biden and former President Donald Trump are set to face off later this week in the earliest major presidential debate on record. The first presidential debate of the 2024 election will be Thursday, June 27 at 9 p.m. Then-President Donald Trump eyes former Vice President Joe Biden during the final debate of the 2020 election. CNN correspondent Daniel Dale rose to fame fact-checking Trump, but don't expect him, Tapper, or Bash to chime during the debate. In late April, Biden told radio host Howard Stern he would debate Trump.

☆ When I was younger, I ran marathons and toured Europe by bike. In my 70s, I now enjoy paddleboarding and yoga.
▼ + stars: | 2024-06-23 | by ( Louisa Rogers | ) www.businessinsider.com time to read: +6 min

I focused on running, cycling, and rock climbing when I was youngerMy husband Barry and I also bicycle-toured for years in Europe. Courtesy Louisa RogersNow I have a very different approach to fitnessDuring my 60s and 70s, I developed a radically different set of priorities. Courtesy Louisa RogersI still do hard thingsThe fact that I'm no longer competitive doesn't mean I'm just lying around. If I'm cycling up a hill, I tell myself, "Don't give up til your legs do!" Courtesy Louisa RogersAbove all, I keep movingIf I had any advice to offer, it's this: do whatever it takes to keep moving.

Persons: —, Barry, Annie, Louisa Rogers, I'd, Alexander, Wordsworth Organizations: Service, Big, Business Locations: Europe, France, Spain, Shasta, California, Marin County, Mt, Rainier, Humboldt Bay, Eureka , California, Humboldt, souk, Guanajuato, Mexican, bipeds

☆ Wombat walker: Australia needs help looking after its cutest residents
▼ + stars: | 2024-06-22 | by ( Lilit Marcus | ) edition.cnn.com time to read: +5 min

East Coast Natureworld in Tasmania, Australia, is hiring a “wombat walker” who will help keep these fuzzy marsupials in peak physical condition. Tasmania is also looking for a volunteer paranormal investigator to spend a day (or night …) checking out a spooky abandoned asylum. Now, travelers are looking at Norway and Sweden in the summer while checking out flights for Greece in the cooler fall and spring. New Zealand Prime Minister Christopher Luxon alights from a Royal New Zealand Air Force aircraft. But New Zealand Prime Minister Christopher Luxon isn’t just any ordinary traveler.

Persons: ”, Petros Giannakouris, Sarah Hamouda, Christopher Luxon alights, Andrew Kutan, grumbling, Christopher Luxon isn’t, Luxon, Michelle Wibowo, Simon Jacobs, Edamame Sheeran, Benedict Cucumberbatch, it’s Organizations: CNN, Zealand, Royal New Zealand Air Force, Getty, Air New Zealand –, Qatar Airways, Virgin Australia Locations: Dubai, East Coast, Tasmania, Australia, Athens, Greece, Italy, Hong Kong, Norway, Sweden, AFP, Japan, Air, Doha, South Korea, Matera

☆ Consumer spending, inflation, and housing are 3 things to watch in the market next week
▼ + stars: | 2024-06-22 | by ( Zev Fima | ) www.cnbc.com time to read: +7 min

Nvidia had some strong moves in the days after its 10-for-1 stock split traded in the market on June 10. Tuesday brought weaker-than-expected May retail sales , which the stock market took in stride, perhaps on the view that softness helps the view that the Federal Reserve will indeed cut interest rates later this year. Ultimately, the economic readings this past week signal that while U.S. growth remains resilient, things are slowing, which is an ideal setup for stock market bulls. The Fed's favorite inflation gauge and the tail end of earning season will be drivers of the market in the week ahead. ET: New Home Sales Before the bell: General Mills (GIS), Paychex (PAYX), UniFirst (UNF) After the bell: Micron (MU), BlackBerry (BB), Levi Strauss (LEVI) Thursday, June 27 8:30 a.m.

Persons: we're, Levi Strauss, Mills, LEVI, McCormick, Jim Cramer's, Jim Cramer, Jim, Emily Elconin Organizations: Nasdaq, Dow, Nvidia, Microsoft, Apple, Broadcom, Energy, West Texas, Utilities, Federal, Juneteenth, FedEx, Nike, Micron, UniFirst, UNF, BlackBerry, Walgreens Boots Alliance, Outdoor Brands, Jim Cramer's Charitable, CNBC, Shoppers, Getty Locations: U.S, Oaks, Novi , Michigan

☆ The planetary health diet may help you live a longer, healthier life, study shows—here's how it compares to the Mediterranean diet
▼ + stars: | 2024-06-22 | by ( Renée Onque | ) www.cnbc.com time to read: +4 min

How does the planetary health diet compare to other diets? But what makes the planetary health diet different from other popular eating patterns like the Mediterranean diet or the heart-healthy DASH diet? And maybe in higher quantities than the planetary health diet, because it's not looking specifically at planetary health," Vadiveloo notes. The planetary health diet also places more limits on total fat consumption than the DASH diet does, she adds. The popular diet has a higher emphasis on unsaturated fat components like olive oil and fish compared to the planetary health diet.

Persons: Vadiveloo, wasn't, it's Organizations: Lancet, University of Rhode, American, Nutrition, U.S . Environmental Protection Agency, CNBC Locations: University of Rhode Island

☆ How to pay 0% tax on capital gains pulled from a brokerage account on up to $123,250 of qualified income
▼ + stars: | 2024-06-22 | by ( Laila Maidan | ) www.businessinsider.com time to read: +6 min

But, in some cases, you could withdraw from the account and incur zero capital gains tax if you remain within the IRS's specified income brackets, he noted. This means that if you're filing jointly, your income can be as much as $123,250 in 2024 — $29,200 income in tax-free income thanks to the standard deduction plus $94,050 in qualified investment income — and still pay 0% capital gains tax if you have no other income source, Hook noted. If your brokerage account allows you to sell by lots, you can select which shares to sell based on the capital gains they have accumulated, he added. This would allow you to withdraw more while keeping your capital gains low. State income tax rates aren't impacted and will vary depending on where you live.

Persons: Jeremy Schneider, wouldn't, Schneider hasn't, Schneider, Howard Hook, Hook, LIFO, that's Organizations: Service, CFP, CPA, IRS, Social Security

☆ See inside the 1960s lakehouse Chip and Joanna Gaines flipped to mark 10 years of 'Fixer Upper'
▼ + stars: | 2024-06-21 | by ( Samantha Grindell | ) www.businessinsider.com time to read: +1 min

Chip and Joanna Gaines celebrated 10 years of "Fixer Upper" by renovating a lakehouse. Chip and Joanna Gaines' "Fixer Upper" premiered in 2014. Chip said on "Fixer Upper: The Lakehouse" that he had long dreamed of renovating a waterside property, making it ideal for their anniversary project. "This house was the right price, the right lake view," Chip said of the property. "For 10 years, we have been in the 'Fixer Upper' universe," he added.

Persons: Chip, Joanna Gaines, Joanna

☆ Jeff Bezos is under fire at the Washington Post as patience wears thin among staffers
▼ + stars: | 2024-06-21 | by ( Oliver Darcy | ) edition.cnn.com time to read: +5 min

New York CNN —When will Jeff Bezos actually address the upheaval roiling his newsroom? “Will Lewis needs to step down for the good of The Post and the public,” wrote Higham on Facebook. But surely the billionaire understands the dire situation gripping The Post. Staffers at The Post are very much waiting for Bezos to take some meaningful form of action. In the absence of Bezos, the stories raising questions about Lewis’ ethical integrity keep coming.

Persons: Jeff Bezos, Will Lewis, Bezos, Lewis, Robert Winnett, David Maraniss, doesn’t, Scott Higham, Lewis ’, “ Will Lewis, ”, Higham, it’s, He’s, Boris Johnson, Johnson Organizations: New York CNN, Washington Post, The, Facebook, CNN, Financial Times, New York Times Locations: New York, Higham

☆ 2028 L.A. Olympics unveil venue plan: Swimming in SoFi, softball in Oklahoma City
▼ + stars: | 2024-06-21 | by ( Lauren Merola | Mark Cooper | ) www.nytimes.com time to read: +5 min

Organizers for the 2028 Los Angeles Olympics plan to hold swimming in the home of the NFL’s Rams and Chargers — and softball and canoe slalom in Oklahoma. That’s according to an amended venue plan unveiled Friday by LA28, the 2028 Games’ organizing committee. It will be the largest swimming venue in Games history, per LA28, with 38,000 seats. LA28 organizers faced one complication with the SoFi swimming plan, however: The stadium is also set to be part of the Games’ opening ceremonies. The venue plan adjustments are in part due to new arenas that have become available for use and a previously assigned venue that became unavailable, LA28 said.

Persons: LA28, Katie Ledecky, “, ” Ledecky, Sarah Stier, Casey Wasserman, Brian Bahr, David Holt, ” Holt, ” Wasserman, Qian Weizhong Organizations: Olympics, NFL’s Rams, Chargers, Olympic Committee, SoFi, Lucas Oil, NFL, Olympic, New York Times, Athletics, Oklahoma City, USA Softball, International, Devon Park, Women’s, OGE Energy, Getty, IOC, Hollywood, Crypto.com Arena, Lakers, Kings, Sparks, Intuit, LA Clippers, USC’s Locations: Oklahoma, Inglewood , Calif, U.S, Indianapolis, Indianapolis , Indiana, Oklahoma City, Los Angeles, Devon, Okla, Paris, Lille, Tahiti, Long Beach, Calif, Exposition, Temecula , Calif, Sepulveda, L.A, Fernando Valley, Tokyo

☆ Frederick Seidel’s New Book Includes an Ode to Nick Cave
▼ + stars: | 2024-06-20 | by ( ) www.nytimes.com time to read: +2 min

What’s the most interesting thing you learned from a book recently? Not recently, but when I began writing poetry the two poets who taught and influenced me the most were Ezra Pound and Robert Lowell. Right now: Yukio Mishima’s book “Patriotism,” a silly piece of work; “The Collected Poems of Delmore Schwartz”; the essays of Frank Kermode. Have you ever gotten in trouble for reading a book? I remember very much enjoying Maurice Girodias’s banned books in Paris that included Henry Miller and other distinguished authors.

Persons: Ezra Pound, Robert Lowell, Pound, Lowell, Yukio Mishima’s, Delmore Schwartz, Frank Kermode, Jean Rhys, Joseph Roth’s, Lois Lenski, Alex Ross, Louis Menand’s “, “, Mark Vanhoenacker —, I’ve, Maurice Girodias’s, Henry Miller, Girodias Organizations: Ducati Locations: Bologna, Paris

☆ Paying off my debt will make it easier to get my dream home, so I took on a side hustle to pay off $5,000
▼ + stars: | 2024-06-20 | by ( Choncé Maddox | ) www.businessinsider.com time to read: +4 min

I took on a seasonal job that allowed me to rapidly pay off my credit-card debt and start saving. In 2022, we ended up draining most of our emergency fund, and I quickly racked up close to $5,000 worth of credit-card debt. I picked up a seasonal jobOne of the best things I did last winter to streamline paying off my credit-card debt was getting a seasonal part-time job. All of this went toward my credit-card debt, along with any money I budgeted for extra debt payments from my main income. Paying down credit-card debt was just one thing I needed to do.

Persons: —, I'm, I've, homeownership Organizations: Service, Amazon

One by one, each country with the money and the drive to compete started its own nuclear weapons program. Even with this kind of evidence in hand, science has reached only limited conclusions about how nuclear weapons testing affects individuals’ health. They helped create the 2021 Treaty on the Prohibition of Nuclear Weapons, signed by 93 countries, which bans the possession, use and testing of nuclear weapons. France has acknowledged its “debt” to Polynesians over nuclear testing, and it created a commission in 2010 to evaluate nuclear testing victim compensation claims, but it has never apologized. We are still wrestling with the damage wrought by testing nuclear weapons in our past.

Persons: —, Ernest Moniz, Barack Obama, ” Mr, Moniz, Trump, Trump’s, Biden, United States ’, Republic of Kiribati —, we’re, Robert Oppenheimer’s, Oppenheimer, Ben Wyatt, King Juda, Harry Truman, Oppenheimer’s, Karina Lester, ”, Willard F, Libby, Louis, couldn’t, Merril Eisenbud, Hinamoeura, Britain —, “, it’s, John Moody, Benetick Kabua Maddison, Maddison, Benetick, It’s, Vladimir Putin Organizations: Las, Washington, United States, Marshall, Embassy, D.C, Marshalls, U.S, Navy, United, Soviet Union, Britain, Atomic Energy Commission, St, Louis University, Washington University School of Dental Medicine, Bravo, U.S . Navy, Atomic Energy, Centers for Disease Control, Polynesia —, Nuclear Weapons, ., Pacific Mart, Educational, America Locations: U.S, Japan, United States, Russia, China, Nevada, Soviet Union, — Semipalatinsk, Kazakhstan, Reggane, Algeria, Montebello, Australia, Republic of Kiribati, Marshall Islands, Republic, Washington, Hiroshima, New Mexico, Las Vegas, Marshall, Hawaii, Philippines, Bikini, Atoll, Soviet, Africa, Polynesia, Xinjiang, The, Britain Britain, Britain, American, Kwajalein Atoll, France, France France, Tahiti, Nagasaki, Asia, Europe, India, Pakistan, North Korea, United, Kwajalein, Hawaii , California, Washington and Oregon, Arkansas, Springdale, you’re, Rhode Island, Moscow

☆ Live Updates: Heat Wave Pummels Eastern U.S. for 4th Day
▼ + stars: | 2024-06-20 | by ( Andy Newman | Robert Chiarito | ) www.nytimes.com time to read: +5 min

Prolonged exposure to or physical exertion in excessive heat can cause heatstroke, according to the Mayo Clinic. Starting Tuesday, cooling centers — indoor, air-conditioned spaces for public use — will be open during the day in New York. At night, because heat can disrupt sleep, 60 to 67 degrees is recommended by the Cleveland Clinic. A technician will typically check for and diagnose issues with the system, clean it and change out the filter. New York Times Cooking has a list of “No-Cook Recipes for a Heat Wave” so you can prep a meal without turning on your stove top.

Persons: you’re, Patrick Junker, Wirecutter, Steer Organizations: Chicago, Mayo Clinic, Cleveland Clinic, American Kennel Club, The New York Times, York Times Locations: New York, Dallas, New York City, Ronda Kaysen

☆ 'Quiet vacationing' shows how sad America's work culture has become
▼ + stars: | 2024-06-20 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +7 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. In today's big story, we're looking at why the rise of "quiet vacationing" shows the depressing state of America's work culture . If you're unfamiliar with the distinction, let me introduce you to a new workplace phrase: quiet vacationing . But Business Insider's Emily Stewart argues workers feeling too stressed to fully take time off is a sad example of America's work culture. The irony is that quiet vacationing could arguably put you in a worse position for your job these days.

Persons: —, Jenny Chang, Rodriguez, Slack, Emily Stewart, Martin Barraud, Wally Pipp, Pipp, Lou Gehrig, Wally Pipped, Alyssa Powell, Steve German, Arizona's, Mohamed El, Erian, China's, Brooks Kraft, They've, Dan DeFrancesco, Jordan Parker Erb, Hallam Bullock, George Glover, Annie Smith, Amanda Yen Organizations: Service, Business, New York Yankees, American League, Yankees, Getty, Partners, Alfa Bank, YouTube, Foo Fighters, BI, Amazon, Bain & Company, Brooks Kraft LLC, Harvard, Hollywood . Media, Dell Locations: Arizona, Miami, China, Beijing, Shanghai, Russia, Hollywood, New York, London

☆ Euro 2024 day six: Germany advance, MLS history, comedy goals, don’t trust world rankings
▼ + stars: | 2024-06-19 | by ( The Athletic Uk Staff | ) www.nytimes.com time to read: +10 min

A 2-0 victory over Hungary sent Germany through to the round of 16, and they got there pretty comfortably. Shaqiri was actually a surprise selection for Switzerland’s second Euro 2024 game against Scotland on Wednesday. Albania, just like against Italy, were ahead and could have pulled off the greatest result in their footballing history. Schar briefly joins the own goals club (Photo: Alex Grimm/Getty Images)Tim SpiersTalking of shocks, do world rankings matter? If the alternative is FIFA executives arbitrarily deciding on seedings among themselves, then it’s probably worth having official rankings.

Persons: Toni Kroos, Antonio Rudiger, Jamal Musiala, Florian Wirtz, Kai Havertz, Ilkay Gundogan, Wirtz, Robert Andrich, Tom Weller, Joshua Kimmich, Leroy Sane, Rudiger, Jonathan Tah, Sam Lee, Xherdan Shaqiri, Shaqiri, Kirill KUDRYAVTSEV, It’s, he’s, Nick Miller, Hysaj, Ante Budimir, Luka Sucic, Berat Djimsiti, Klaus Gjasula, Gjasula, Maximilian Wober, Robin Hranac, Fabian Schar, Scott McTominay’s, Yann Sommer’s, Schar, Alex Grimm, Tim Spiers, Poland —, GABRIEL BOUYS, it’s, Michael Cox What’s, Stefan Matzke – Organizations: England, European Championship, MLS, Albania, Hungary, Musiala, Getty, Sam Lee MLS, Chicago Fire, Scotland, Major League Soccer, Shaqiri, Croatia, Luka, Portugal, UEFA, Scottish, Belgium, Monday, Championship, FIFA, … Locations: Denmark, Spain, Italy, Slovenia, Serbia, Germany, Hungary, South America, Scotland, Switzerland, Croatia, Albania, Swiss, Berat Djimsiti …, Czech Republic, Poland, AFP, Israel, Morocco, … Slovenia

☆ Americans are just about failing when it comes to nutrition, says a food-as-medicine researcher. A few simple diet tweaks could help.
▼ + stars: | 2024-06-19 | by ( Julia Naftulin | ) www.businessinsider.com time to read: +4 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Between 1999 and 2020, 10.5% of study participants transitioned from "poor" diets to healthier diets with more fruits, vegetables, and whole grains and less sodium, processed meat, and saturated fat. We still have a long way to go," Mozaffarian told CNN. If I was grading America on its diet, I'd give it a D—just up from an F," Mozaffarian said. Typically, the American diet consists of ultra-processed foods and foods high in salt and sugar.

Persons: —, Dariush Mozaffarian, Mozaffarian, Junxiu Liu, bode, Heidi Silver, Silver, Gregory Katz, Katz, Gabby Landsverk, W, Taylor Kimberly, Kimberly Organizations: Service, Food, Medicine Institute, Tufts University, Internal, Business, National Health, CNN, Vanderbilt, Vanderbilt University Medical, Yahoo, NYU Langone, Harvard Medical School Locations: Boston, Nashvil

☆ Heat Wave Live Updates: Scorching Temperatures Sweep Across Eastern U.S.
▼ + stars: | 2024-06-19 | by ( Jacey Fortin | ) www.nytimes.com time to read: +5 min

More than just uncomfortable, the heat can be dangerous and at worst deadly, and it’s only becoming more of a threat with climate change causing rising temperatures. Prolonged exposure to or physical exertion in excessive heat can cause heatstroke, according to the Mayo Clinic. Starting Tuesday, cooling centers — indoor, air-conditioned spaces for public use — will be open during the day in New York. At night, because heat can disrupt sleep, 60 to 67 degrees is recommended by the Cleveland Clinic. It depends on the animal, and its size and type, but pets are generally less tolerant of higher temperatures than humans.

☆ My family's been on over 30 cruises. I hate upcharges, but these 6 things are actually worth paying extra for.
▼ + stars: | 2024-06-19 | by ( Amanda Adler | ) www.businessinsider.com time to read: +6 min

Things like Broadway-style shows, multicourse meals, buffets, pool access, and onboard activities are built into the price of a typical sailing. I'm also willing to pay a little more to select a cabin far away from elevators and loud entertainment venues. Room service offers a level of convenience that makes the delivery fee palatableAlthough some room service options remain complimentary, many now come with an extra fee. However, room service often comes with an additional fee. AdvertisementNonetheless, I'm happy to spend extra on premium cocktails, wine-tasting sessions with the onboard sommelier, and other unique drink experiences.

Persons: —, who's, I've, I'm, Amanda Adler, Amanda Adler I'm Organizations: Service, Forbes, Business, Disney Locations: Havana, Norwegian, Alaska, Italy

☆ Once you hit this credit score 'you're good,' says credit expert—here's how to get even better
▼ + stars: | 2024-06-19 | by ( Ryan Ermey | ) www.cnbc.com time to read: +5 min

"Once you've hit the mid 700's you're good. If you run a $5,000 balance on a credit card with a $10,000 limit, for instance, your ratio is 50%. To boost your score, credit experts recommend keeping your ratio under 30%, and ideally as low as 10%. That might mean cutting back on spending, asking your credit card company to raise your limit or opening a new credit card — as long as it won't encourage you to spend more. Add more good information to your credit historyEven if you have blemishes on your credit history, "you can offset them by filling up your report with good things," says Rossman.

Persons: you've, Ted Rossman, it's, Rod Griffin, Griffin, AnnualCreditReport.com, You'd, Rossman Organizations: Bankrate, Experian, CNBC

☆ R. O. Kwon puts queer love, loss and faith on ‘Exhibit’ in new novel
▼ + stars: | 2024-06-19 | by ( Cat Woods | ) edition.cnn.com time to read: +7 min

“I have had to learn how to manage my profound anxiety writing — or, in some cases, not manage very well,” she told CNN in a video interview. “Particularly, the anxiety I feel around writing a book that has so much to do with physical longing. “I don’t feel I’ve recovered, and I don’t expect to recover,” she said. “People in my life might think I’ve had an affair with a queer Korean American ballerina. I wanted to write a book suffused with queer joy and queer plenitude.

Persons: R.O, Kwon, —, Jesse Dittmar, — they’re, Garth Greenwell, “, Jin Han, Lidija, she’d, Phillip, Jin, ”, I’ve, “ I’ve, Philip, enlivening, ” Jin, ” Kwon, ’, ” “, Queerness Organizations: CNN, “, Korean Locations: Seoul, San Francisco, Korean, “

☆ Retirement Crisis: Boomers Need to Work Longer, No One Will Hire Them
▼ + stars: | 2024-06-18 | by ( Ann C. Logue | ) www.businessinsider.com time to read: +10 min

In order to avoid economic catastrophe, he argued, people should save more money and work longer. The current Social Security retirement age is 67, but most Americans depart the workforce earlier than that. For one, many older people cannot work because of a disability or because they need to care for someone else with a disability. And some older workers have heard all the corporate buzzwords and blather before, so they don't buy into management's sloganeering, rendering them "difficult." He's asking people who have not yet retired to work longer than their elders did and to save even more money, without changing the systematic barriers to either.

Persons: Larry Fink, behemoth BlackRock, Fink, Daniel Ross, Ross, he's, Emily Dickens, SHRM's, We've, Stacie Haller, Patrick Button, Button, ResumeBuilder.com, Gen, we've, Mother Jones, Lilly Organizations: Social Security, Lawyers, Society, Human Resources Management, US Chamber of Commerce, Tulane University, IBM, Employment, Commission, Scripps Medical Clinic, Employers Locations: Down, Texas, Austin, San Diego

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