Author: openjargon

  • Being hot is now a job requirement

    A woman applying lipstick is reflected in a laptop.

    Emily Reynolds runs a PR company, and with that responsibility comes the pressure to look young, she tells me.

    She's 44 but often passes as younger, and that's by design. Reynolds has tried Botox, filler, laser facials, hydrofacials, and invests in expensive skincare products. She has a Peloton and does intense workouts a la Barry's Bootcamp. She's walking the precarious line, she tells me, between looking mature enough to show she's an experienced professional who can run and mentor a team, and young enough to be relevant.

    Even as she thinks critically about beauty standards imposed on women, Reynolds worries what would happen to her business and professional reputation if she abandoned her rituals and routines — and what's going to happen as she continues to age. "How long will I be quote-unquote publicly perceived as attractive?" Reynolds says. "And when I'm not, what happens to me professionally? That's the thing I think about daily."

    While talking about looks in the corporate world remains taboo, years of research show attractive people tend to gain more trust than their plainer-looking counterparts, and that pretty and thin people tend to land jobs and advance up the career ladder to earn more money than others. Now, thanks to filters, Facetune, modern shapewear, high-end gyms, and a revolution in skincare products, corporate workers can be their own glam teams. GLP-1s lure people with a seemingly simpler path to thinness than diet fads and Weight Watchers menu items. And because conventional beauty has never been more accessible, the expectation that the average worker attains it has perhaps never been higher.

    These beauty secret regimens aren't secrets — no longer treatments just for those with pretty people jobs like modeling and acting, but touted by regular people with 9 to 5s all over TikTok, where office workers sit before the camera and show themselves doing multi-step skincare routines and complex makeup and morning routines. You, too, can have a perfect, poreless face like the people on your Instagram feed, if you're willing to invest.

    And in a precarious job market notoriously frosty to older workers, what better to justify that investment than thinking being hot can advance your career?


    The rise of remote work let workers trade pinching shoes and tailored pants for slippers and sweats worn out of frame, but it also forced desk workers' faces in front of unforgiving cameras daily.

    That meant confronting a mirror of their own image and imperfections while trying to focus on meetings. A study published in the Aesthetic Surgery Journal in 2021 found that more than one-third of participants in Australia started to negatively judge parts of their appearance after spending more time on video calls during the height of the pandemic. A survey of dermatologists published in 2021 in International Journal of Women's Dermatology found that more than half of practitioners reported an increase in cosmetic consultations, with more than 80% of patients citing concerns with their appearance on video calls. Data from the American Society of Plastic Surgeons (ASPS) shows that cosmetic surgery procedures increased by 19% from 2019 to 2022, and have continued to climb at a slower rate since.

    As conventional beauty has never been more accessible, the expectation that the average worker attains it has risen.

    Beyond COVID, age-old ageism and workplace pressure also drive people toward cosmetic procedures, C. Bob Basu, president of ASPS, tells me in an email. "Many patients tell us they want to look 'less tired,' 'more energetic,' or 'more alert' — especially in leadership roles, client-facing environments, or fast-paced industries where confidence and presence matter," Basu says. These people often focus on their faces and necks, engaging in procedures that lessen under-eye bags, lift eyelids, or lead to sharper jaw lines, Basu says. While the workplace is "rarely the sole driver" behind a cosmetic procedure, he says do weigh it in their choice, and that many patients cite watching themselves on video calls as the inciting incident.

    Alanna Barry, a 30-year-old working in public relations, says that after staring at herself on screen for months, she became fixated on her teeth. Sometimes, when she smiled, the light in the room would hit them in a way she felt accented their imperfections. She's looking to pay out of pocket for Invisalign to get the smile she wants — to feel more confident herself, and so that energy comes off when speaking to clients. But she also feels that having a perfect smile could make her more memorable. "My confidence is just completely shot," Barry tells me. "I do feel like there's a stigma that if you present yourself a certain way and you're more polished or you have less flaws that are visible, you tend to get better opportunities than someone who's maybe not looking their very best."

    LinkedIn has made looks a part of even the job seeking process by showing recruiters your face for roles that, in theory, shouldn't rely on looks at all. Now there are several companies offering ways to use real photos combined with to generate well-lit, flawless AI professional headshots — a glowing professional image previously only in reach for those who could pay photographers with good equipment and good lighting. With AI initially evaluating so many profiles for jobs it's become fitting for more to rely on AI to boost their online persona.

    But with the mass adoption of AI as an image editor, people might start looking the same. AI editing "tries to neutralize literally everything, and in that homogenization, what we get is a loss of individuality, and a loss of cultural diversity," says Gretchen Andrew, an artist who uses AI and oil painting in her pieces that comment on the highly filtered beauty standards. Bill Cava, who runs AI consulting firm Generative Labs, tells me he experimented with an AI version of himself. It created a more polished look — smoother skin, no gray hairs. But he says he learned from his clients' reactions that showing up deeply human and authentic was the better move. "I was like, 'hey, that looks wonderful,'" Cava tells me about seeing the AI version of himself. "But my clients were like: "No, please don't do that.'" He realized that "it seems to violate the trust" he had with people.

    Similar to minor dental work, it's some of the least invasive, low-lift cosmetic procedures that are growing in popularity. The ASPS says lip augmentation procedures have increased steadily year-over-year, growing from 1.38 million in 2022 to 1.45 million in 2024. The number of people using injectables like Botox has nearly doubled between 2019 and 2024, from just over 5 million to nearly 10 million. The global beauty industry, currently valued at $450 billion, is expected to reach a $590 billion valuation by 2030, according to a 2025 analysis from McKinsey, with skincare making up some 40% of the market.

    Even people who oppose the role looks play in the workplace find themselves drawn to manipulating their image. Maureen Wiley Clough, who hosts the podcast "It Gets Late Early" about ageism in white-collar America, tells me she got Botox for the first time after watching herself on a screen and obsessing over lines on her face she hadn't noticed much before. She quit Botox about a year ago, after she became worried about possible long-term effects. Wiley Clough is an advocate for breaking down age-based barriers in the workforce, yet still found herself judging lines on her face. "Aging is something that you think happens to other people," she says. "I wasn't ready for it."


    The workplace benefits of pretty aren't just a perception — there's data to show more attractive workers earn more. A study published in 2023 that found attractive MBA holders earn 2.4% more than other MBA graduates, and that the prettiest people can earn $5,500 more annually. The study used machine learning models trained to evaluate the attractiveness, and found that the benefit of good looks persists throughout a career, not just for young interviewees. "It's not that they are only benefiting right in the beginning, in the quick interview with their MBA program, but the benefit actually persists five years, 10 years, into their career as well," Nikhil Malik, a marketing professor at the University of Southern California and lead author of the study, tells me. Another surprising finding: "It matters as much for men as it does for women."

    I have to reverse age to stay here. Why is the window so short to be professionally relevant?Emily Reynolds, PR executive

    High-powered men in tech are increasingly getting facelifts. Men now make up 7% of plastic surgery patients, according to ASPS. "While certainly less controversial or stigmatized thanks to social media and other trends, men's pursuit of cosmetic surgery may be a way to get a leg up in an uncertain economy," the society's 2024 report says. "An increasingly competitive job market may be fueling renewed interest for men in aesthetic health because it offers an opportunity for men to improve their confidence."

    The boom in GLP-1 use for weight loss (some 12% of Americans say they are currently using the drugs, according to health research firm KFF) has only furthered perceptions that people can and should be thin, says Ally Duvall, senior program development lead at Equip, a startup focused on eating disorder treatment. The Society for Human Resource Management surveyed about 1,000 human resource professionals in 2023 and found that about a quarter said obese employees are more likely to be perceived as unmotivated and lazy than slimmer workers. And fear of missing out on your job due to your size is realistic — weight-based discrimination is legal in much of the US. While workplaces celebrate diversity of race, sexuality, or religion, they rarely touch on body size. Duvall says weight stigma may seem justified at work, because some people inaccurately link thinness with health.

    "If you aren't doing things about it, then you're morally wrong, or you're a bad person, or you're not taking your life seriously, or you're not doing the things that you should in order to achieve this most successful life out there," Duvall says people may think about larger workers to justify their bias.

    Work isn't the sole motivator for many who want to control their appearance. Reynolds tells me it's not just for her PR firm — wants to look good and feel good for herself. She's confident about her abilities, and proud of the hard work she did to get to a place of expertise. Despite her accomplishments, it feels like her work could slip away. "Now, I have to reverse age to stay here," Reynolds tells me. "Why is the window so short to be professionally relevant?"

    Ageism, weight stigma, and pretty privilege are some of the hardest biases to dismantle; doing so requires unraveling the conscious and subconscious ways we've come to value and interpret beauty over a lifetime, and also confronting aging and mortality without fear. We're typically our own harshest critics, but there's enough evidence to wonder if others are critiquing our looks alongside our resumes, too.

    "If people think that they can get further in their career by throwing some Botox in their forehead, they're going to keep doing it," says Wiley Clough. "The sad part is, in many ways, I think they're probably not wrong."


    Amanda Hoover is a senior correspondent at Business Insider covering the tech industry. She writes about the biggest tech companies and trends.

    Read the original article on Business Insider
  • Welcome to the ‘Hamptons of England’

    The Cotswolds

    When I saw a British newspaper warning that rich Americans were "invading" the Cotswolds, I had to see for myself if the headlines matched reality.

    In late October, I made the 90-minute train journey from London to the quaint collection of towns and villages in the English countryside, as I've done many times for family holidays and weekend escapes.

    I didn't find an "invasion," but it was clear the Cotswolds is changing — and fast. This sense didn't just come from the American-sounding accents I heard on the streets, but from conversations with the people I met.

    Long associated with Barbour jackets and tweed-clad royals, nowadays if the Cotswolds were a party, its guestlist would rival the Met Gala's.

    Last year, Ellen DeGeneres and Portia de Rossi bought a $20 million estate here. Tom Cruise, as well as Jay-Z and Beyoncé, are rumored to be next. Recent visitors include Taylor Swift, Kourtney Kardashian, Bill Gates, and Vice President JD Vance — along with the rich and powerful who keep a low profile.

    The Cotswolds was already a hotspot for the wealthy before Americans took serious interest. Its existing luxury amenities are part of its appeal, helping to create a cycle of upmarket offerings attracting more and more affluent visitors.

    In 2023, the upscale American home furnishings brand RH opened shop on the grounds of a 17th-century country estate, and last year the Cotswolds added Estelle Manor to its roster of members' clubs, which also includes Soho House.

    Meanwhile, Americans are among the ultra-wealthy snapping up heritage homes, a considerable number of which are on the market for upwards of $10 million.

    This series looks at how the Cotswolds has transformed into a playground for America's rich and famous, earning it the nickname "The Hamptons of England."

    Read the original article on Business Insider
  • 5 best Australian dividend stocks to buy in December

    Santa sitting on beach looking up best ASX shares to buy on a laptop.

    With December just around the corner, it’s a great time to take stock of our investing markets and check out which ASX shares look ripe to add to a stock portfolio. Despite a rebound last week, the markets are still down from their October records.  I thought it would be a great opportunity to check out some Australian dividend stocks.

    So today, let’s talk about five ASX dividend stocks that I think would serve an income-focused portfolio well right now.

    Five Australian dividend stocks to put under the tree this December

    Coles Group Ltd (ASX: COL)

    I’ve long thought of Coles as a winning Australian dividend stock. For one, it offers a defensive nature as a price-focused provider of food and household essentials. For another, it has a strong income track record, having delivered an annual dividend increase every year since 2018.

    Coles shares did go on a big run this year, but have since pulled back. That’s boosted this dividend stock’s yield back over 3% at recent pricing. Coles shares have historically come with full franking credits attached too.

    Australian Foundation Investment Co Ltd (ASX: AFI)

    AFIC is a listed investment company (LIC) and Australian dividend stock that has been on the ASX for decades. Over this time, investors have come to appreciate this stock’s conservative investing style, which AFIC uses to manage a vast underlying portfolio of Australian blue chips, complemented by some international shares.

    AFIC already trades on an attractive (and fully franked) yield of around 3.7%, but has recently confirmed that investors will enjoy two special dividends over 2026.

    Telstra Group Ltd (ASX: TLS)

    I think Telstra offers income investors many of the desirable attributes that Coles does. The mobile and internet services that Telstra provides are essential in today’s world, and Telstra has a long-held leading position in providing them across the Australian market.

    This legendary Australian dividend stock has long been an income staple for good reason. Today, it offers a decent dividend yield of 3.88%, which has also always come fully franked.

    MFF Capital Investments Ltd (ASX: MFF)

    There aren’t too many ways ASX investors can invest in US stocks and get a fully franked dividend. But this LIC is one of them. Like AFIC, MFF holds an underlying portfolio of shares that it manages on behalf of its investors. Unlike AFIC, though, MFF mostly invests in US stocks, following a Buffett-inspired playbook of buying quality companies at compelling prices and holding them indefinitely. Some of its long-term holdings include Amazon, Mastercard, Alphabet, and Visa.

    Since MFF is domiciled in Australia, though, it pays tax here and thus has the capacity to fully frank its dividends. At present, this dividend stock is trading on a yield of about 3.5%.

    Wesfarmers Ltd (ASX: WES)

    Our final Australian dividend stock today is another income favourite in Wesfarmers. This company’s strength arguably comes from its diversity. It is most famous for its highly successful retailers like Bunnings and Kmart. But Wesfarmers also owns a wide range of other businesses, spanning from healthcare and mineral processing to fertilisers and chemicals.

    Wesfarmers has a stellar track record of delivering both growth and rising dividends for shareholders over many decades. Today, its shares trade with a fully franked yield of about 2.5%.

    The post 5 best Australian dividend stocks to buy in December appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Australian Foundation Investment Company Limited right now?

    Before you buy Australian Foundation Investment Company Limited shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and Australian Foundation Investment Company Limited wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 18 November 2025

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    Motley Fool contributor Sebastian Bowen has positions in Alphabet, Amazon, Mastercard, Mff Capital Investments, Visa, and Wesfarmers. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Alphabet, Amazon, Mastercard, Visa, and Wesfarmers. The Motley Fool Australia has positions in and has recommended Telstra Group. The Motley Fool Australia has recommended Alphabet, Amazon, Mastercard, Mff Capital Investments, Visa, and Wesfarmers. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • 3 reasons to buy QBE shares in December

    A man with a wide, eager smile on his face holds up three fingers.

    QBE Insurance Group Ltd (ASX: QBE) shares could be in the buy zone following its quarterly update.

    That’s the view of analysts at Bell Potter, which have just upgraded the insurance giant’s shares.

    What is the broker saying?

    Bell Potter was relatively pleased with the company’s quarterly update, noting that management has reaffirmed its guidance for a combined operating ratio (COR) of 92.5%. It said:

    The Q3 update was benign and much as we expected. The company continues to expect an attractive COR of 92.5% for FY25, and this expected to continue into FY26. Gross Written Premium rose to $18.6bn an increase of 6% at the headline, and excluding rate increases this is 5% underlying, or 6% excluding the $250m of US noncore run-off and crop rates.

    Rate increases continue to be weak around ~1.5% in the 9m, or around 4% excluding property. This compares with 2% at the HY. The company did not disclose rating trends by geography and quarter as it has done in previous years. Using a weighted average of Q1, Q2 and Q3, we estimate group renewal rates would have been around -1% year-on-year in Q3.

    Three reasons to buy QBE shares

    Bell Potter has upgraded QBE’s shares to a buy rating for three key reasons.

    These include capital returns, management confidence in its COR outlook, and its fair valuation. It explains:

    We move our recommendation to buy on three improvements. 1/ The return of capital to shareholders, which switches the capital equation from retaining capital for growth, to writing for profit and RoCE. 2/ Management remains confident about writing at a 92.5% CoR in FY26, seeing options to maintain profitability. 3/ The valuation is much less stretched, with the shares at 1.5x FY26 NAV with an RoE of 15.5%. The share price is now in buying territory. We increase our assumptions, improving the COR ratio by 66bps in FY25, and 86bps in FY26. Our forecast EPS increases by 4.1% for FY25, 6.6% for FY26, and 0.5% for FY27.

    According to the note, the broker has put a buy rating (from hold) and $21.80 (from $21.20) price target on its shares. Based on its current share price of $19.25, this implies potential upside of 13% for investors over the next 12 months.

    In addition, Bell Potter is expecting a 4.8% dividend yield over the period, which boosts the total potential return to almost 18%.

    The post 3 reasons to buy QBE shares in December appeared first on The Motley Fool Australia.

    Should you invest $1,000 in QBE Insurance right now?

    Before you buy QBE Insurance shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and QBE Insurance wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 18 November 2025

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    Motley Fool contributor James Mickleboro has no position in any of the stocks mentioned. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has no position in any of the stocks mentioned. The Motley Fool Australia has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • ASX 200 tech shares fight back after 10 weeks of decline

    Young female AGL investor leans back in her desk chair feeling relieved after the AGL share price soared today

    ASX 200 tech shares may have finally found their floor after a dramatic 22.5% tumble for the sector over the past 10 weeks.

    Technology led the 11 market sectors last week with a 5.96% gain over the five trading days.

    The benchmark S&P/ASX 200 Index (ASX: XJO) was also buoyant, rising 2.35% to close at 8,614.1 points on Friday.

    Ten of the 11 market sectors finished the week in the green.

    Let’s review.

    ASX tech shares led the market last week

    The S&P/ASX 200 Information Technology Index (ASX: XIJ) went into a downward spiral after reaching a new record on 19 September.

    The tech index closed at 2,370 points on Friday, representing a 22.5% fall over 10 weeks.

    Concerns over US tech stock valuations and whether artificial intelligence (AI) is creating a market bubble explain only part of the story.

    Wilsons Advisory equity strategist Greg Burke says domestic factors are mostly to blame for the sell-off in ASX 200 tech shares.

    High valuations and a sell-off in Aussie bonds amid virtually no chance of another interest rate cut this year have also played a role.

    Here’s how the biggest ASX 200 tech companies performed last week, and how much their share prices have fallen since 19 September.

    5 biggest tech stocks down 20% (or more) since September

    The WiseTech Global Ltd (ASX: WTC) share price ripped 11.04% higher to close at $73.02 on Friday.

    The largest tech company on the market has lost almost a quarter of its market capitalisation since the sector’s peak on 19 September.

    The Xero Ltd (ASX: XRO) share price lifted to $122.25, up 2.54% last week and down 25% since the tech sector’s high.

    TechnologyOne Ltd (ASX: TNE) shares rose 1.93% last week to $30.10. That represents a 21.5% fall since 19 September.

    Nextdc Ltd (ASX: NXT) shares edged 0.44% higher to $13.57 last week, down 24% since the tech sector’s peak.

    The Life360 Inc (ASX: 360) share price finished the week at $40.43, up 10.74% for the week and down 22% since 19 September.

    The Codan Ltd (ASX: CDA) share price rose to $30.85, up 7.53% last week and up 2.93% since the sector’s high.

    Megaport Ltd (ASX: MP1) shares soared 12.69% to $14.30 last week. The stock has slipped by less than 5% since the peak.

    ASX 200 market sector snapshot

    Here’s how the 11 market sectors stacked up last week, according to CommSec data.

    Over the five trading days:

    S&P/ASX 200 market sector Change last week
    Information Technology (ASX: XIJ) 5.96%
    Materials (ASX: XMJ) 4.98%
    Healthcare (ASX: XHJ) 4.3%
    Industrials (ASX: XNJ) 4.23%
    Consumer Discretionary (ASX: XDJ) 2.27%
    Utilities (ASX: XUJ) 1.87%
    Consumer Staples (ASX: XSJ) 1.81%
    A-REIT (ASX: XPJ) 1.78%
    Communications (ASX: XTJ) 1.19%
    Financials (ASX: XFJ) 0.12%
    Energy (ASX: XEJ) (0.1%)

    The post ASX 200 tech shares fight back after 10 weeks of decline appeared first on The Motley Fool Australia.

    Should you invest $1,000 in WiseTech Global right now?

    Before you buy WiseTech Global shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and WiseTech Global wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 18 November 2025

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    Motley Fool contributor Bronwyn Allen has no position in any of the stocks mentioned. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Life360, Megaport, Technology One, WiseTech Global, and Xero. The Motley Fool Australia has positions in and has recommended Life360, WiseTech Global, and Xero. The Motley Fool Australia has recommended Technology One. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • 3 ASX growth shares that could be future giants

    A young boy sits on his father's shoulders as they flex their muscles at sunrise on a beach

    For investors focused on the long-term, there are a handful of ASX growth shares today that have the potential to become significantly larger businesses by 2035.

    But which ones could be buys today?

    Here are three that analysts think stand out as future giants in the making:

    Life360 Inc. (ASX: 360)

    Life360 has transformed from a family-tracking app into a high-growth global subscription platform. Its growth metrics remain exceptional: paying circles are rising sharply, monthly active users continue climbing past 90 million, and the company is generating growing profitability alongside strong operating cash flow.

    What makes Life360 particularly compelling is its enormous addressable market. The company’s platform naturally lends itself to premium features such as safety tools, roadside assistance, data services, and partnerships. And with less than a fraction of its global user base currently monetised, the runway ahead is long. It is also only at the beginning of monetising its free users through its new advertising business.

    Bell Potter is bullish on the company’s outlook. So much so, it recently put a buy rating and $52.50 price target on its shares.

    NextDC Ltd (ASX: NXT)

    Another ASX growth share that could be destined for big things is NextDC.

    It is a leading data centre operator that is building the infrastructure powering Australia’s digital economy. Demand for cloud computing, AI, data processing and storage is surging, and NextDC sits at the centre of it.

    The company continues to expand its high-capacity data centre footprint across major Australian cities, while securing long-term contracts with hyperscale cloud providers and enterprise customers. This gives NextDC recurring, inflation-linked revenue, strong retention rates and visibility well into future years.

    Data usage isn’t slowing. If anything, AI models, automation and high-bandwidth applications are accelerating the need for secure, energy-efficient data storage. Few ASX businesses are as well-positioned for this infrastructure megatrend as NextDC.

    UBS is a fan of NextDC and has a buy rating and $21.45 price target on its shares.

    Temple & Webster Group Ltd (ASX: TPW)

    Finally, Temple & Webster has quietly become Australia’s leading online furniture and homewares retailer. While the broader retail sector has faced pressure from cautious consumer spending, Temple & Webster continues taking market share thanks to its digital-first model, growing private-label range and efficient logistics network.

    In Australia, online furniture penetration lags behind that in the US and Europe. This gives Temple & Webster a multi-year growth opportunity as more consumers shift to online shopping for big-ticket items. In light of this, the company could be many times larger in 2035 than it is today.

    Last week, Morgan Stanley put an overweight rating and $28.00 price target on its shares.

    The post 3 ASX growth shares that could be future giants appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Life360 right now?

    Before you buy Life360 shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and Life360 wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 18 November 2025

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    Motley Fool contributor James Mickleboro has positions in Life360, Nextdc, and Temple & Webster Group. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Life360 and Temple & Webster Group. The Motley Fool Australia has positions in and has recommended Life360. The Motley Fool Australia has recommended Temple & Webster Group. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • 1 ASX dividend stock down 28% I’d buy right now

    A business person directs a pointed finger upwards on a rising arrow on a bar graph.

    The ASX dividend stock Pinnacle Investment Management Group Ltd (ASX: PNI) has seen a 28% decline (at the time of writing) since 7 August 2025. There are not many compelling ASX dividend shares that have fallen as much as that in the last few months.

    I think it’s exciting when a dividend-paying business falls. We’re able to buy them at a lower price, but the dividend yield on offer also increases.

    For example, if a business had a dividend yield of 4% and the share price drops 10% then the yield becomes 4.4%. A 20% decline would result in a dividend yield of 4.8% for prospective investors.

    If you haven’t heard of Pinnacle before – it’s an investment business that takes stakes in impressive funds management businesses (affiliates) and helps them grow. It assists their growth with numerous behind-the-scenes services (such as fund administration, compliance, legal, and so on), allowing the fund manager to focus on just investing – the most important part for clients.

    Following a 28% decline in the share price, the Pinnacle dividend yield has materially increased. That’s the first appealing aspect of the business I want to highlight.

    Good dividend yield

    For an ASX dividend stock to be worthwhile for an income investor, I think it needs to have a solid starting yield.

    The latest annual dividend per share from the business was 60 cents in FY25. At the current Pinnacle share price, this translates into a cash dividend yield of 3.3% and a grossed-up dividend yield of nearly 4.5%, including franking credits.

    While that’s not the biggest dividend yield around, it’s comparable with some of the best term deposit rates out there right now for Australians.

    But, Pinnacle isn’t a term deposit – it has growth potential.

    Consistent ASX dividend stock

    There are plenty of high-profile businesses that have cut their dividends in the last several years. But not Pinnacle.

    Between FY16 and FY25, there was only one year in which the dividend didn’t increase. The company maintained its payout in FY20 when there was a huge amount of COVID uncertainty affecting economies and share markets.

    Pleasingly, the business is projected to continue growing its payout in the coming financial years.

    According to the projection on CMC Markets, the company is forecast to increase its FY26 payout to 66.5 cents per share and then to 81 cents per share in FY27. Including franking credits, those estimations translate into potential grossed-up dividend yields of 5% and 6.3%, respectively.

    Earnings growth potential

    One of the main reasons I’m attracted to this business and have recently invested in it is the quality and growth of its funds under management (FUM).

    The affiliates largely have a long-term track record of outperforming their benchmarks, which is a powerful tool for growing FUM organically and attracting further inflows of money from clients.

    In the three months to September 2025, affiliate FUM increased by a further $18 billion, or 10%, to $197.4 billion. This was helped by net inflows of $13.3 billion. FUM growth is a key driver of Pinnacle’s earnings, so this bodes well for at least FY26 if not beyond.

    The ASX dividend stock is currently trading at around 20x FY27’s estimated earnings, according to the forecast on CMC Markets.

    The post 1 ASX dividend stock down 28% I’d buy right now appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Pinnacle Investment Management Group Limited right now?

    Before you buy Pinnacle Investment Management Group Limited shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and Pinnacle Investment Management Group Limited wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 18 November 2025

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    Motley Fool contributor Tristan Harrison has positions in Pinnacle Investment Management Group. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Pinnacle Investment Management Group. The Motley Fool Australia has positions in and has recommended Pinnacle Investment Management Group. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • Black Friday shoppers are relying on Buy Now, Pay Later plans. Here’s how that could backfire.

    Payment Due
    Buy Now, Pay Later was more popular than ever this Black Friday.

    • Black Friday sales are breaking records, according to data from Adobe.
    • The company said many shoppers are relying on Buy Now, Pay Later options for purchases.
    • FICO is expected to incorporate Buy Now, Pay Later data into credit scores this fall.

    Buy Now, Pay Later might as well be Buy Now, Worry Later.

    For the first time this year, use of the popular shopping feature will be reflected in your credit score.

    In its 2025 Holiday Shopping Trends report, Adobe expects Americans to spend almost $12 billion on Black Friday purchases when all is said and done, surpassing last year's total by $1 billion. The company said Cyber Monday would likely see similarly strong sales.

    While some shoppers are buying things outright, many others are relying on BNPL plans, which allow them to spread payments over time. Between November 1 and December 31, Adobe estimates that American shoppers will spend more than $20 billion online through BNPL plans, an 11% increase from 2024.

    "This is roughly $2 billion more than the 2024 holiday season, when BNPL drove $18.2 billion in online spend," the company said. " BNPL usage on Cyber Monday is expected to hit a new milestone and cross $1 billion ($1.04 billion, up 5% YoY)."

    Under BNPL plans, shoppers pay a portion up front, then continue to pay the outstanding balance on specified dates until it is paid off. PayPal, Klarna, Affirm, Afterpay, and other companies offer BNPL plans, often interest-free.

    Among the biggest users of BNPL plans are Gen Z and millennials, who might see them as a way to make shopping easier in the short term. However, such plans could cause problems for them in the long term if they aren't careful.

    In June, FICO announced plans to integrate BNPL data into its credit scores beginning this fall.

    "These scores provide lenders with greater visibility into consumers' repayment behaviors, enabling a more comprehensive view of their credit readiness, which ultimately improves the lending experience," FICO said in a press release at the time.

    An overreliance on BNPL purchases, however, could negatively affect a credit score.

    BNPL plans can lead to consumers overspending, resulting in late payments that are often reported to credit bureaus and can negatively impact their credit scores. Consumers may also face late fees. BNPL plans typically only report late payments, so even if all payments are submitted on time, that likely won't improve a credit score.

    In November, a LendingTree report found that 41% of BNPL users reported making late payments in the previous year. "Surprisingly, high-income borrowers are among the most likely to pay late, along with men, young people, and parents of young kids," LendingTree said.

    Read the original article on Business Insider
  • Invest $10,000 in this ASX dividend stock for $1,200 in passive income

    Man holding a calculator with Australian dollar notes, symbolising dividends.

    If you are searching for passive income in this low interest rate environment, then look no further than the ASX dividend stock in this article.

    That’s because it has one of the most generous dividend yields around and has been tipped to rise materially from current levels.

    Which ASX dividend stock?

    The stock that could be a great pick for passive income is GQG Partners Inc (ASX: GQG).

    GQG Partners is a boutique investment management company that manages global and emerging market equity portfolios for institutions, advisors, and individuals worldwide.

    It is a majority employee-owned company that is headquartered in Fort Lauderdale, Florida, with offices around the world.

    The company notes that it “strives for excellence at all levels within the organization through a commitment to independent thinking, continual growth, cultural integrity, and a deep knowledge of the markets.”

    The strategy the investment management company uses is called Forward Looking Quality. It notes that this concept ignores the traditional investment constraints associated with growth and value and instead focuses on investing in companies that it believes are going to be successful over the next five years and beyond.

    At the last count, it reported that it had US$163.7 billion of assets under management (AUM).

    Undervalued

    The team at Macquarie Group Ltd (ASX: MQG) thinks the ASX dividend stock is undervalued at current levels.

    A recent note reveals that the broker has an outperform rating and $2.50 price target on its shares.

    Based on its current share price of $1.85, this implies potential upside of 35% for investors over the next 12 months.

    To put that into context, a $10,000 investment would turn into approximately $13,500 by this time next year if Macquarie is on the money with its recommendation.

    But the returns won’t stop there!

    What about passive income?

    GQG Partners is being tipped to provide investors with some very big dividend yields in the near term.

    According to Macquarie’s note, it expects the ASX dividend stock to reward its shareholders with the equivalent of 22.6 Australian cents per share in FY 2025 and then 22.9 Australian cents per share in FY 2026.

    This means that if you were to buy its shares at current prices, you would be looking at dividend yields of 12.2% and 12.4%, respectively.

    This equates to passive income of $1,220 and $1,240, respectively, from a $10,000 investment in GQG Partners’ shares.

    The post Invest $10,000 in this ASX dividend stock for $1,200 in passive income appeared first on The Motley Fool Australia.

    Should you invest $1,000 in GQG Partners Inc. right now?

    Before you buy GQG Partners Inc. shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and GQG Partners Inc. wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 18 November 2025

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    Motley Fool contributor James Mickleboro has positions in Gqg Partners. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Macquarie Group. The Motley Fool Australia has positions in and has recommended Macquarie Group. The Motley Fool Australia has recommended Gqg Partners. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • Ranking the best “Magnificent Seven” stocks to buy for 2026. Here’s my No. 5 pick.

    a man wearing spectacles has a satisfied look on his face as he appears within a graphic image of graphs, computer code and technology related symbols while he concentrates on a computer screen

    This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

    Key Points

    • Amazon isn’t as well-rounded as other “Magnificent Seven” names.

    • But it’s a mistake to underestimate AWS.

    • Amazon dilutes shareholders because stock-based compensation exceeds stock buybacks.

    Nvidia (NASDAQ: NVDA), Apple (NASDAQ: AAPL), Alphabet (NASDAQ: GOOG) (NASDAQ: GOOGL), Microsoft (NASDAQ: MSFT), Amazon (NASDAQ: AMZN), Meta Platforms (NASDAQ: META), and Tesla (NASDAQ: TSLA) are part of a group of leading technology-focused growth stocks known as the “Magnificent Seven.” All seven stocks have been long-term winners. But at the time of this writing, only two of them are outperforming the S&P 500 (SNPINDEX: ^GSPC) so far in 2025 — Nvidia and Alphabet.

     

    This is part three of a seven-article series in which I rank the best Magnificent Seven stocks to buy for 2026 (in reverse order). Tesla came in last place, followed by Apple in the sixth spot — as both stocks are not worth buying right now.

    Amazon marks a turning point. Although it’s my fifth pick, I would categorize Amazon as a decent, but not a high-conviction buy for 2026. Here’s why.

    AWS or bust

    Amazon soared after its latest earnings report, as its cloud computing services segment — Amazon Web Services (AWS) — delivered impeccable results. This was a sigh of relief, as AWS had been growing slower than peers like Microsoft Azure and Google Cloud.

    Amazon began by selling books online and eventually became the world’s largest online retailer. But today, AWS is the company’s crown jewel. The segment continues to drive Amazon’s cash flow and overall profitability, making up for what can be lackluster results in its other segments.

    Amazon’s dependence on AWS is a key reason why the stock isn’t higher on my list. While AWS is more valuable than any other cloud service, Amazon as a whole is less balanced than Microsoft and Alphabet.

    If cloud computing growth slows, Microsoft can rely on its highly profitable software business, growing gaming portfolio, and other strengths. Microsoft is monetizing AI across its business segments, driving sustainable, high-margin growth.

    Similarly, Alphabet’s Google Search is its centerpiece, but the company is rapidly expanding its Gemini AI assistant app. Despite rival AI-first information resources like ChatGPT, Google Search continues to grow at a solid rate — fueled by embedding AI overviews powered by Gemini into Google Search queries. Aside from Google Cloud and Google Search — YouTube, Android, and Google Other Bets, which include Waymo and Google Quantum AI — round out Alphabet as a balanced, yet high-octane growth stock.

    Amazon loves spending money

    Another factor that sets Amazon apart from the other Magnificent Seven stocks is its lack of stock buybacks and dividend payments. Amazon hasn’t repurchased stock for years. And because it rewards many employees with hefty stock-based compensation packages, Amazon’s share count has increased over time, diluting existing shareholders.

    By comparison, Apple spends a boatload of cash on buybacks, and Microsoft also actively repurchases stock and pays more dividends than any other U.S. company.

    Meta Platforms and Alphabet have been ramping up their buyback programs in recent years and instituted their first-ever dividends last year. And even Nvidia is now buying back significantly more stock than it issues in stock-based compensation, making the stock a better value.

    Pouring excess cash back into the business instead of repurchasing stock can accelerate earnings growth. But the strategy is aggressive and risky. Because if Amazon fails to deliver or AWS loses market share, investors will question the capital allocation strategy.

    Amazon is an OK buy for 2026

    Amazon is a decent buy on the strength of AWS alone. But it’s not as compelling as Nvidia, Microsoft, Meta Platforms, or Alphabet.

    Find out how I rank those four Magnificent Seven names in my upcoming rankings.

    This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

    The post Ranking the best “Magnificent Seven” stocks to buy for 2026. Here’s my No. 5 pick. appeared first on The Motley Fool Australia.

    This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

    Should you invest $1,000 in Amazon right now?

    Before you buy Amazon shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and Amazon wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 18 November 2025

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    This article was originally published on Fool.com. All figures quoted in US dollars unless otherwise stated.

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    Daniel Foelber has positions in Nvidia. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Alphabet, Amazon, Apple, Meta Platforms, Microsoft, Nvidia, and Tesla. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has recommended the following options: long January 2026 $395 calls on Microsoft and short January 2026 $405 calls on Microsoft. The Motley Fool Australia has recommended Alphabet, Amazon, Apple, Meta Platforms, Microsoft, and Nvidia. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.