• I lie about my age, and I don’t see anything wrong with that

    Side angle profile of a woman with two hourglass clocks on either side and a bright green background.
    Age is the only thing Nicola Prentis lies about when dating.

    • Nicola Prentis has lied about her age since she was in her 20s.
    • She thinks society judges women so much that age has become a loaded topic.
    • Men often don't respect her privacy and try to find it out anyway.

    I've lied about my age for so long that, on any given day, I forget exactly how old I am. I could do the math and work it out, but why would I want to do that?

    I don't celebrate my birthday, and until I was outed by their father, I lied to my kids or avoided answering the "How old are you, Mommy?" question. Their father knew I didn't want anyone to know because I'd avoided telling him my age when we got together. It was a subterfuge I'd have happily maintained indefinitely, but he accidentally saw a police form I was filling out for a stolen wallet. I'm half sure he told my sons out of spite once we'd split up.

    I was in my 20s when I started lying about my age

    When I started lying about my age, I was 24. That was when I first experienced negativity and judgment from other people when they asked how old I was.

    At 22, I graduated from university in the UK with a philosophy degree. Philosophy isn't exactly a major with a clear career progression, and I spent a couple of years aimlessly taking temporary jobs in local warehouse depots and backpacking in Mexico.

    For the first two years, when anyone asked me what I was planning to do with my life, I'd say I didn't know. "You're young, you'll work it out," they'd say encouragingly. But, at 24, that turned into comments basically saying, "It's time to grow up."

    As I got older, the pressures linked to my age morphed into expectations around marriage and having children. This was at its height when I lived in Turkey, and my Turkish ex-boyfriend's family said I was too old for him at 34. He was 34 too. In the subsequent relationship, when I did eventually have two babies without complications, they were labeled "geriatric" pregnancies because I was no longer under 35.

    Internet dating creates an unacceptable requirement to reveal your age

    Being on dating apps raised the issue again because you're required to list your age front and center on your profile — even, ridiculously, on apps where users typically use a handle that's not their actual name.

    In real life, that's not how we introduce ourselves to people even in a dating context. You'd find out where they're from, what they do, and about hobbies. The spark comes from a hundred other things than the number of years since you were born. So why should I have to reveal my number before we've even met?

    I combatted this by either paying for a profile so age was optional or I just registered with a fake birthdate. Nowadays, no longer internet dating, I just refuse to give a number rather than lie as it gets too difficult to remember who I told what to.

    I've heard people claim that lying about age is a huge red flag because it means you'll lie about other things too. That's simply not the case. That's the only thing I lie about in all my relationships, and I don't think there's anything wrong with that.

    Women are judged constantly about their age

    It's a sore point for me because age is none of anyone's business, just like my weight, diary, or latest PAP smear results. If people stopped asking this invasive question, I wouldn't have to lie about it. The wrong here is that people ask in the first place. We all know the question isn't a judgment-free inquiry.

    "How old are you?" is loaded with society's expectations of what you should look like, act like, or earn for your age. Your answer determines how worthy and how successful you are.

    This is especially the case for women. We're judged harshly for getting older, but somehow we are also at fault for not embracing it. Every day I am bombarded with headlines in the media criticizing celebrities who are aging as well as those who are trying to reverse aging with fillers or surgery. "Age gracefully" is shorthand for "don't look older but also don't try not to." Men who try to defy aging, on the other hand, are celebrated as "biohackers" and inspirational visionaries for what the human body can achieve.

    Far worse than my evasion or lie is how people, especially men, don't respect my privacy or boundaries even though I don't ask or care about their age. Several men have searched my social media profiles for clues or threatened to look for my passport. Would they do the same about my weight?

    I understand that it's impossible to keep my age a secret forever in a long-term relationship. There's simply too much life admin to do together to hide it. But until that point comes, I will continue to avoid the topic or choose an age I think I can get away with. My real age is no one's business.

    Got a personal essay about dating or life as a single parent that you want to share? Get in touch with the editor: akarplus@businessinsider.com.

    Read the original article on Business Insider
  • Overinvested in ASX-focused ETFs? Here are three alternatives

    ETF in written in different colours with different colour arrows pointing to it.

    ASX-focused exchange-traded funds (ETFs) are some of the most popular funds in Australia. But investors could be missing out if they are overinvested in funds that are focused on the ASX share market.

    Several of the biggest ASX ETFs aim to give investors exposure to 200 or 300 of the largest businesses on the ASX. I’m talking about funds like Vanguard Australian Shares Index ETF (ASX: VAS), SPDR S&P/ASX 200 ETF (ASX: STW), iShares Core S&P/ASX 200 ETF (ASX: IOZ) and BetaShares Australia 200 ETF (ASX: A200).

    However, the main ASX indices are heavily focused on just a few large blue chips, mainly from two sectors – ASX bank shares and ASX mining shares. We’re talking about names like BHP Group Ltd (ASX: BHP), Commonwealth Bank of Australia (ASX: CBA), National Australia Bank Ltd (ASX: NAB), Westpac Banking Corp (ASX: WBC), ANZ Group Holdings Ltd (ASX: ANZ), Rio Tinto Ltd (ASX: RIO) and Fortescue Ltd (ASX: FMG).

    However, the ASX only accounts for 2% of the global share market, and many of the world’s strongest businesses are listed outside of Australia. The global share market has outperformed the ASX thanks to the focus on growth of those large businesses like Microsoft, Alphabet and Nvidia.

    With that in mind, I’m going to name three international ETFs that could provide balance to portfolios that are too heavily weighted to ASX ETFs.

    Betashares Global Quality Leaders ETF (ASX: QLTY)

    This fund invests in a portfolio of 150 international companies that rate highly on quality metrics.

    Those rankings are based on a combined ranking of four factors – return on equity (ROE), debt-to-capital, cash flow generation ability and earnings stability. A business that strongly ticks all four of these boxes is rare and is often able to deliver good returns for shareholders.

    To me, it’s no surprise the QLTY ETF has returned an average of 14.2% per annum over the last five years, though past performance is not a guarantee of future performance.

    The holdings are fairly similarly weighted, with the largest position having a 2.4% weighting. The four positions with an allocation of more than 2% are Adobe, Intuit, Servicenow and Accenture.

    VanEck MSCI International Quality ETF (ASX: QUAL)

    This is another QUAL ETF that chooses its holdings based on certain quality metrics.

    Its portfolio includes around 300 holdings from around the world, with stocks from the US, Switzerland, the UK, Denmark, and the Netherlands each making up more than 3% of the fund.

    There are three factors that dictate whether a stock will make it into this portfolio: a high ROE, earnings stability and low financial leverage. A business that ranks highly on all three of these factors is likely to be a high-quality idea.

    Impressively, the QUAL ETF has returned an average of 17.1% in the last five years. Again, past performance is not a guarantee of future performance.

    Currently, there are four positions with a weighting of more than 5%: Nvidia, Apple, Meta Platforms and Microsoft.

    VanEck Morningstar Wide Moat ETF (ASX: MOAT)

    This ETF’s portfolio is decided by analysts at Morningstar, who are looking for US businesses with strong competitive advantages that are expected to endure for at least two decades. Economics moats can come in many different forms, such as brand power, cost advantages or patents.

    After that, the MOAT ETF only invests in these great businesses if they’re trading at an attractive valuation compared to what the Morningstar team think that business is worth.

    At the moment, the VanEck Morningstar Wide Moat ETF is invested in Adobe, International Flavours & Fragrances, Altria and Campbell Soup.

    In the last five years, the MOAT ETF has delivered an average return per annum of 14.75%.

    The post Overinvested in ASX-focused ETFs? Here are three alternatives appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Vaneck Investments Limited – Vaneck Vectors Morningstar Wide Moat Etf right now?

    Before you buy Vaneck Investments Limited – Vaneck Vectors Morningstar Wide Moat Etf 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 Vaneck Investments Limited – Vaneck Vectors Morningstar Wide Moat Etf 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…

    See The 5 Stocks
    *Returns as of 24 June 2024

    More reading

    Randi Zuckerberg, a former director of market development and spokeswoman for Facebook and sister to Meta Platforms CEO Mark Zuckerberg, is a member of The Motley Fool’s board of directors. Suzanne Frey, an executive at Alphabet, is a member of The Motley Fool’s board of directors. Motley Fool contributor Tristan Harrison has positions in Fortescue. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Accenture Plc, Adobe, Alphabet, Apple, Intuit, Meta Platforms, Microsoft, Nvidia, and ServiceNow. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has recommended the following options: long January 2025 $290 calls on Accenture Plc, long January 2026 $395 calls on Microsoft, short January 2025 $310 calls on Accenture Plc, and short January 2026 $405 calls on Microsoft. The Motley Fool Australia has recommended Adobe, Alphabet, Apple, Meta Platforms, Microsoft, Nvidia, ServiceNow, and VanEck Morningstar Wide Moat ETF. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • 5 reasons I’d throw Guzman y Gomez shares in the bin like a bad burrito

    Guzman Y Gomez Ltd (ASX: GYG) shares have been in the spotlight over the past few weeks following the quick service restaurant operator’s highly successful initial public offering (IPO).

    The Mexican food chain rocketed as much as 36% on day one to a high of $30.00 after listing on the Australian share market at $22.00.

    This gave the company a mouth-watering market valuation of $3 billion at the time.

    But while some investors may have a taste for Guzman Y Gomez shares, I am avoiding them like a bad burrito right now. Let’s take a look at five reasons why I think investors should put its shares in the bin.

    Reason 1: Guzman y Gomez shares are overvalued

    Guzman Y Gomez shares are trading on mind-boggling multiples.

    According to its prospectus, revenue is expected to be $339.7 million in FY 2024, with a profit after tax of $3.4 million. Then, revenue of $428.2 million is forecast for FY 2025, with a profit after tax of $6 million. The latter will mean a profit margin of just 1.4%.

    Based on its current market capitalisation of $2.93 billion, this means its shares are trading at ~488x estimated FY 2025 earnings.

    As a comparison, KFC restaurant operator Collins Foods Ltd (ASX: CKF) is trading at 16.8x estimated FY 2025 earnings, according to analysts at UBS.

    Reason 2: Guzman y Gomez has no moat

    I’m not afraid to invest in companies with high price-to-earnings multiples (P/E ratios).

    For example, one large holding in my portfolio is Pro Medicus Limited (ASX: PME). You will find that it trades on one of the highest P/E ratios. However, it has a wide moat, an unmatched platform, high margins, a huge market opportunity, and large long-term contracts with locked-in revenue.

    Guzman Y Gomez has no moat, lots of competition, tiny margins, and no guarantee that customers are going to come back week after week, let alone year after year. In light of this, I don’t believe for a second that it justifies trading on such high earnings multiples.

    Reason 3: Its growth plans look too ambitious

    Some investors argue that Guzman Y Gomez shares deserve to trade on high multiples because of its ambitious growth plans. But I would argue that these plans are too ambitious.

    The company has an aspiration to open 1,000 restaurants in Australia. This compares to the 185 restaurants that it operates across the country today.

    However, McDonald’s only has 970 restaurants in Australia today. I don’t believe Guzman Y Gomez could get anywhere near that number and still generate good returns on store openings. McDonald’s is a force of nature, with a menu that offers something to everyone at any time of the day. I don’t believe you can say the same for Guzman Y Gomez’s menu.

    While I think it still has a decent growth runway, I believe there will come a point (sooner than it thinks) when it starts to cannibalise sales.

    Reason 4: US expansion could be a flop

    Another reason that investors believe Guzman Y Gomez shares justify a premium valuation is its US expansion. But I think investors should be very wary about this expansion and place little to no value on it until it has demonstrated this in the highly competitive market.

    At present, it has a handful of stores in the US, and they are all loss-making. I have doubts they will be able to scale to a level that generates meaningful profits, especially given the competition it faces over there. Chipotle is essentially the Guzman Y Gomez of the United States and has approximately 3,400 restaurants across the country.

    And that’s just Mexican food competition. The United States has more fast food options for consumers than you can shake a fork at.

    Reason 5: Conflicted bullish broker?

    Guzman Y Gomez shares have been roaring higher in recent sessions after analysts at Morgans initiated coverage with an add rating and $30.80 price target.

    While Morgans was not named in the company’s prospectus, the AFR is reporting that the “broker quietly co-led the company’s IPO, with its junior sell-side analyst even getting his slice.”

    In light of this, I would not place much weight on this recommendation. Instead, I would focus more on Ord Minnett’s valuation of $15.00.

    Conclusion

    Overall, I think Guzman Y Gomez shares are vastly overvalued at current levels and could be destined to crash deep into the red once the hype dies down and if its growth plans start to falter.

    In light of this, I plan to wait until its shares are trading in or around the $7 to $10 mark before considering an investment.

    The post 5 reasons I’d throw Guzman y Gomez shares in the bin like a bad burrito appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Guzman Y Gomez right now?

    Before you buy Guzman Y Gomez 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 Guzman Y Gomez 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…

    See The 5 Stocks
    *Returns as of 24 June 2024

    More reading

    Motley Fool contributor James Mickleboro has positions in Collins Foods and Pro Medicus. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Chipotle Mexican Grill and Pro Medicus. The Motley Fool Australia has recommended Chipotle Mexican Grill, Collins Foods, and Pro Medicus. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • 5 ASX growth shares that could rise 10% to 40%

    If you have space in your portfolio for some new ASX growth shares this month, then it could be worth checking out the five listed below.

    They have all recently been named as buys by brokers and tipped to rise meaningfully from current levels. Here’s what you need to know about these top growth shares:

    Life360 Inc (ASX: 360)

    Analysts at Bell Potter see this location technology company as an ASX growth share to buy. The broker is positive on Life360 due to its belief that it has the “potential to leverage its large and growing user base to enter new markets and disrupt the legacy incumbents.”

    It has a buy rating and $17.75 price target on Life360’s shares. This implies potential upside of 11% for investors from current levels.

    Lovisa Holdings Ltd (ASX: LOV)

    Bell Potter is also feeling very bullish about fashion jewellery retailer Lovisa. The broker believes this ASX growth share is well-positioned thanks to its ongoing global expansion. In fact, the broker believes Lovisa can grow its already sizeable network by 10% per annum between FY 2023 and FY 2034. If it delivers on this, it will underpin strong sales and earnings growth over the next decade.

    Bell Potter currently has a buy rating and $36.00 price target on its shares. This suggests that upside of 12.5% is possible over the next 12 months.

    Megaport Ltd (ASX: MP1)

    Another ASX growth share that could give your portfolio a boost is Megaport. It is a leading global provider of elastic interconnection services, which has been growing at a rapid rate in recent years thanks to the cloud computing boom.

    Citi is very positive on the company’s outlook due to the accelerating cloud growth and migration trends. It has a buy rating and $16.05 price target on Megaport’s shares, which implies potential upside of over 40% for investors.

    Webjet Limited (ASX: WEB)

    Morgans thinks that online travel booking company Webjet could be an ASX growth share to buy. It was impressed with its FY 2024 results and believes there’s more to come from the key WebBeds business. In addition, it highlights that a potential demerger of this side of the business could unlock value for shareholders.

    Morgans has an add rating and $11.20 price target on Webjet’s shares. This suggests upside of almost 25% for investors.

    WiseTech Global Ltd (ASX: WTC)

    Finally, analysts at UBS believe that WiseTech Global could be an ASX growth share to buy this month. The broker suspects that the company could deliver earnings well ahead of consensus expectations in the near term. In addition, it is very positive on WiseTech Global’s long term outlook thanks to its huge addressable market.

    UBS has a buy rating and $112.00 price target on its shares. This implies potential upside of 15% for investors.

    The post 5 ASX growth shares that could rise 10% to 40% 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…

    See The 5 Stocks
    *Returns as of 24 June 2024

    More reading

    Citigroup is an advertising partner of The Ascent, a Motley Fool company. Motley Fool contributor James Mickleboro has positions in Life360 and Lovisa. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Life360, Lovisa, Megaport, and WiseTech Global. The Motley Fool Australia has positions in and has recommended WiseTech Global. The Motley Fool Australia has recommended Lovisa and Megaport. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • Guess which ASX lithium stock was just named as a sell

    A man slumps crankily over his morning coffee as it pours with rain outside.

    It has been a tough 12 months for IGO Ltd (ASX: IGO) shares.

    Since this time last year, the ASX lithium stock has lost 62% of its value.

    This means that if you had invested $5,000 into its shares a year ago, you would only have $1,900 left today.

    Where next for this ASX lithium stock?

    Unfortunately, one leading broker believes there are more declines to come for the battery materials miner.

    According to a note out of Bell Potter this morning, its analysts have downgraded IGO’s shares to a sell rating (from hold) and cut the price target on them by 32% to $5.15 (from $7.60).

    Based on the current IGO share price of $5.70, this implies potential downside of approximately 10% for this ASX lithium stock.

    What did the broker say?

    Although Bell Potter was pleased to see that dividends continue to be paid from the Tianqi Lithium Energy Australia (TLEA) joint venture, it has still taken an axe to its earnings estimates to reflect weaker than expected lithium prices. It commented:

    Dividends from TLEA have been lumpy in FY24, with 1Q $578m, 2Q $0m, 3Q $25m, and now 4Q $159m. We view the dividend as a positive signal on TLEA’s ability to generate returns to shareholders in the current lithium price environment, while executing committed expansion programmes at Greenbushes. Our EPS changes include: FY24 -1%, FY25 -65%, FY26 -17%, resulting from changes to our forecast lithium production and price forecasts, mainly driven by reducing our average SC6 forecast over the next 12-months to US$1,200/t (from US$1,400/t) and our average lithium hydroxide forecast over the next 12-months to US$15,500/t from (US$24,000/t).

    In response to the above, the broker has conducted a valuation sensitivity analysis to long-term lithium prices. Its model found that the market is pricing in stronger long-term lithium prices than it is comfortable with. It concludes:

    We conducted a valuation sensitivity analysis to long-term lithium prices, using our model. The analysis highlights that the current share price implies long-term lithium prices of US$1,450/t SC6 and US$20,000/t lithium hydroxide, which are significantly higher than spot prices (US$1,000/t SC6 and US$12,000/t), notwithstanding the existing high degree of negative market sentiment around the lithium sector. In our view there remains considerable further short-term downside risk to the share price if sentiment deteriorates further. We reduce our Target Price by blending (50:50) our BPe valuation (using our commodity price forecasts) with a spot price valuation, reduce our Target Price to $5.15ps, and downgrade our recommendation to Sell.

    The post Guess which ASX lithium stock was just named as a sell appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Igo Ltd right now?

    Before you buy Igo Ltd 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 Igo Ltd 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…

    See The 5 Stocks
    *Returns as of 24 June 2024

    More reading

    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.

  • Florida residents were shocked to see a manatee swimming in their human-made lake. A biologist thinks she knows how it got there.

    A manatee in water
    The Florida manatee is a sub-species of the West Indian manatee and travels around the Atlantic Ocean.

    • A manatee was spotted in an artificial lake in South Florida.
    •  Manatees can travel through canals and drains, especially after stormy weather.
    • Marine biologists think the manatee should have enough food to survive in the lake.

    South Florida residents recently noticed an unusual new neighbor in their artificial lake: a manatee.

    Last week, a resident of the Cedarwoods neighborhood in Pembroke Pines took video footage of the marine mammal swimming around, according to news station WPLG Local 10. A couple also spotted the manatee in late June, and they believe it may have had a baby with it.

    "This is the first one we've seen on the lake," Bill Barnett, one of the residents who filmed the sea cow, told the news station.

    [youtube https://www.youtube.com/watch?v=uZxOuBwxqNg?feature=oembed&w=560&h=315]

    How did the manatee reach an inland lake?

    The artificial lake is about 10 miles from the Atlantic Ocean.

    Looking at a map, it might seem like the manatee wouldn't have a good route to reach the lake from the coast, but there are underground passageways the map doesn't show.

    Amber Howell, a biologist with the Florida Fish and Wildlife Conservation Commission, told Business Insider there are large pipes called culverts under the roads.

    "The culverts in this area are big enough for manatee to safely swim through," she said. There is a floodgate in the area that it had to navigate, but it's often open during the state's rainy season.

    That's likely how this manatee ended up in its current locale.

    Manatees can travel hundreds of miles in search of food

    A manatee is seen near a water outlet at an inactive Florida Power & Light Company power plant undergoing renovation in Riviera Beach, Florida in this file photo taken January 7, 2010. REUTERS/Carlos Barria/Files
    A manatee is seen at an inactive power plant in Riviera Beach.

    Florida manatees, a sub-species of the West Indian manatee, have faced difficulty finding food in the past several years, with hundreds dying annually. Algae blooms that kill seagrass, a huge source of food for the manatees, are partly to blame.

    Though they're marine mammals, manatees can survive in fresh, brackish, and salty water. And they can roam quite far in search of food and warm water.

    Some Florida manatees travel through the ocean around the US, from Texas to as far north as Delaware. However, the mammals also spend a lot of time in freshwater rivers, according to the National Oceanic and Atmospheric Administration.

    Since they prefer shallow water, they'll often head inland, like this manatee. Finding food in the lake shouldn't be too difficult, either.

    "In this area, there is a lot of shoreline vegetation, which they'll take advantage of," Howell said.

    Experts have seen manatees in this area for the past few years, so the big visitor isn't totally unique. "We have absolutely no concern" for this particular animal, Howell said.

    How to help your local, neighborhood manatee

    Sometimes people can be a little overzealous in trying to help manatees, Howell said. They might see a manatee in shallow water and try to move it deeper.

    But sometimes it's an exhausted female who's taking a rest from a nearby mating herd. "It's the worst-case scenario to push her back into that group," Howell said.

    If Florida residents are concerned about a manatee who seems in distress, they can call the Wildlife Alert Hotline at 888-404-3922, Howell said.

    Read the original article on Business Insider
  • Olivia Culpo said she didn’t want her wedding dress to ‘exude sex,’ sparking a debate about modest gowns

    Olivia Culpo walks down a street in a white dress.
    Olivia Culpo's wedding dress became the center of controversy.

    • Olivia Culpo told Vogue she didn't want her Dolce & Gabbana ceremony gown to "exude sex in any way."
    • The dress divided social media users, with some saying Culpo pushed a "conservative agenda" with it.
    • Culpo wore two other dresses on her wedding day that weren't as modest.

    Olivia Culpo's wedding dress is causing a stir online.

    The former Miss Universe married NFL player Christian McCaffrey on June 29 in Rhode Island, a little over a year after they got engaged.

    Culpo wore three custom Dolce & Gabbana dresses throughout her wedding day, including a simple ball gown for her ceremony.

    But the gown became controversial after Culpo emphasized its modesty in an interview with Vogue.

    Culpo and Dolce & Gabbana did not respond to requests for comment from Business Insider.

    Olivia Culpo said she didn't want her wedding dress to 'exude sex'

    Culpo's three Dolce & Gabbana wedding dresses each had a distinct look.

    She wore a long-sleeved, crepe ball gown for her ceremony with button detailing on the sleeves and back. It also had a high neckline that ensured her torso was completely covered.

    Culpo wore an off-the-shoulder, empire-waist dress with a rosette on the bodice for much of the reception.

    At the end of the night, she changed into a mini-romper that was overlaid with a sheer bubble skirt for a more fun look.

    Culpo told Vogue's Elise Taylor that she didn't want the ceremony dress she wore "to exude sex in any way, shape, or form" because of her views on marriage.

    "It's a covenant," Culpo said. "It's the beginning of the rest of your life — and it's the union and bond of two people forever."

    Culpo added that she "wanted something that felt as serious as that commitment" and for the gown to suit her church ceremony. She also thought the dress would fit McCaffrey's idealized vision of her.

    "When I think about Christian and what he loves and the moments that he thinks that I'm most beautiful, it's absolutely in something like this: timeless, covered, and elegant," she told Vogue.

    The internet was divided on Culpo's modest dress

    After Vogue published photos from Culpo's wedding, social media users quickly voiced differing opinions on her ceremony dress, with some praising the look and Culpo's comments about it and others critiquing the gown.

    "I love her style," one user wrote. "But this dress is a lot of nothingness."

    "This dress is stunning, but I especially love the respect it shows to what a wedding really is," another commented.

    "People are not having an issue with the dress. It's her own contradicting statements. Why is she trying to push for a CONSERVATIVE and her next look she is without half the clothes," someone else wrote.

    On July 1, Kennedy Bingham, a bridal creator who frequently reviews celebrity wedding dresses, made a video about Culpo's ceremony gown that went viral on TikTok and Instagram.

    In the video, which had over 5 million views on TikTok as of Monday, Bingham said Culpo was wearing a "beautiful, simple, elegant dress." However, she added that Culpo's comments to Vogue about why she wanted her dress to be modest were problematic.

    Bingham did not respond to a request for comment from BI.

    "There is nothing wrong with wanting a modest wedding dress or just modest attire in general," Bingham said. "But the way that she was talking about this went beyond just wanting something modest for herself and pushing this idea of what she thinks all brides should look like."

    Bingham said she thought Culpo was pushing a "conservative agenda" in her interview with Vogue, saying her statements implied she thought all brides had to wear modest dresses to take marriage seriously.

    Bingham also said Culpo's dress had "no personality," contrasting it with celebrities like Paris Hilton and Lily Collins, who wore more intricate, modest wedding dresses.

    She also brought up Dolce & Gabbana's past controversies with racism and homophobia, questioning why Culpo would choose to work with the brand.

    "It's very clear that this was not a wedding," Bingham said. "This was a conservative campaign."

    Culpo and her husband responded to the video

    Culpo and McCaffrey commented on the video, calling Bingham "evil" for her statements.

    "What an evil thing to post online," McCaffrey commented on Bingham's Reel. "I hope you can find joy and peace in the world, the way my beautiful wife does."

    "Wow what an absolutely evil person you are," Culpo commented on Bingham's TikTok. "I hope no one ever tears you apart in this way because it's extremely hurtful. I love this dress and it was everything I wanted and more."

    Olivia Culpo and Christian McCaffrey in 2023.
    Olivia Culpo and Christian McCaffrey in 2023.

    Bingham also said in her TikTok that Culpo looked like she had eyebrow lamination and lash extensions, to which the former Miss Universe responded: "Also, no I do not have eyebrow lamination or lash extensions. I'm sorry that infuriates you."

    "I pointed out your designer has a long history of homophobia and racism and your words push a harmful standard of misogyny and you're upset about the lash comment?" Bingham responded.

    Culpo's dress might be part of a resurgence of traditional wedding gowns

    Culpo's ceremony dress is a departure from recent wedding fashion trends, as many brides have gravitated toward sheer or heavily detailed gowns.

    Jackie Avrumson, a bridal stylist who has worked in the wedding industry for 25 years, told BI that more daring gowns became mainstream as brides looked for alternatives to the strapless neckline, finding inspiration on sites like Pinterest.

    "Brides just wanted to get away from the 'traditional' look and create something that felt a little bit more modern, which led to a little bit more sexy," she said.

    However, Avrumson said she's seeing a resurgence of popular bridal trends from the 1980s and 1990s.

    "Now, we're seeing more sleeves, we are seeing the square necklines, we are seeing drop-waist ball gowns," she said. "We are starting to steer away from the fitted dresses and going back into the A-line and the ball gown dresses."

    "I don't know if it's necessarily modest, but I think a little bit more traditional," she added of the trend.

    Brides have also been embracing convertible gowns, which often allow them to wear different looks throughout their wedding day, including a mix of conservative and more daring outfits.

    "I think it's really a moment for the bride to be able to wear everything that they can possibly wear as a bride and check off all those boxes," Avrumson said.

    In that sense, Avrumson said Culpo's wedding looks were on trend, as her three dresses each had a very different tone.

    Avrumson said thinking about Culpo's experience in the public eye can also shed light on how she might have thought about her wedding dress.

    "She's a person who has been looked at and judged her whole life," Avrumson said, adding that Culpo may have thought a simple, modest dress ensured the fact that she was getting married was the focus of the day.

    Despite her back and forth with Bingham, Culpo reiterated that she loved her dress in another Instagram post about her wedding gown shared on Wednesday.

    "One more for the dress of my dreams," she wrote. "Thank you @dolcegabbana for executing my vision perfectly. I cried the first time I tried it on. From the very first sketch, this was it for me. My dream dress."

    Read the original article on Business Insider
  • Buy these ASX dividend shares for 5% to 7% yields

    Happy man holding Australian dollar notes, representing dividends.

    The average dividend yield on the Australian share market is traditionally around 4%.

    But investors don’t need to settle for that when there are high-yield ASX dividend shares out there to choose from.

    For example, the three shares listed below have been named as buys and tipped to offer yields of 5% to 7%. Here’s what you need to know about them:

    Accent Group Ltd (ASX: AX1)

    Accent Group could be a top ASX dividend share to buy for income investors. It is footwear focused retailer with over 800 stores across brands such as Sneaker Lab, Platypus, Stylerunner, and The Athlete’s Foot.

    Bell Potter likes the company. It believes it is well-placed thanks to its “growth adjacencies via exclusive partnerships with globally winning brands such as Hoka and growing vertical brand strategy.”

    The broker expects this to underpin fully franked dividends per share of 13 cents in FY 2024 and then 14.6 cents in FY 2025. Based on the latest Accent share price of $1.91, this represents dividend yields of 6.8% and 7.6%, respectively.

    Bell Potter has a buy rating and $2.50 price target on its shares.

    IPH Ltd (ASX: IPH)

    Another ASX dividend share that could offer larger than average dividend yields is IPH.

    It is an intellectual property solutions company offering a wide range of services for the protection, commercialisation, enforcement, and management of intellectual property.

    The team at Goldman Sachs thinks it would be a good option for income investors. This is because it believes IPH is “well-placed to deliver consistent and defensive earnings with modest overall organic growth.”

    Goldman expects this to support fully franked dividends of 34 cents per share in FY 2024 and 37 cents per share in FY 2025. Based on the current IPH share price of $6.15, this represents yields of 5.5% and 6%, respectively.

    The broker has a buy rating and $8.70 price target on its shares.

    Rural Funds Group (ASX: RFF)

    Analysts at Bell Potter are also feeling positive on Rural Funds and see it as an ASX dividend share to buy.

    Rural Funds is an agricultural property company that owns assets including almond orchards, macadamia orchards, vineyards, cattle properties, and cropping properties.

    Its analysts believe Rural Funds is well-placed to reward its shareholders with dividends per share of 11.7 cents in both FY 2024 and FY 2025. Based on the current Rural Funds share price of $2.03, this will mean yields of 5.75% in both years.

    Bell Potter currently has a buy rating and $2.40 price target on its shares.

    The post Buy these ASX dividend shares for 5% to 7% yields appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Accent Group Limited right now?

    Before you buy Accent 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 Accent 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…

    See The 5 Stocks
    *Returns as of 24 June 2024

    More reading

    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 positions in and has recommended Goldman Sachs Group. The Motley Fool Australia has positions in and has recommended Rural Funds Group. The Motley Fool Australia has recommended Accent Group and IPH. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • Up 127% in 2024, why this ASX healthcare stock is surging again this month

    A smiling businessman in the city looks at his phone and punches the air in celebration of good news.

    It’s been a decent start to both the month of July and the 2025 financial year for ASX shares so far. Since the end of FY24, the All Ordinaries Index (ASX: XAO) has risen by a tentative 0.25%. But let’s talk about one ASX healthcare stock that has started FY25 off with a bit more of a whimper.

    That ASX healthcare stock is none other than Medadvisor Ltd (ASX: MDR). Sure, Medadvisor shares didn’t have a spectacular start to the trading week on Monday, finishing the day flat at 50 cents a share.

    But when you consider that those same shares started the 2024 calendar year at just 22 cents apiece, it’s hard to feel sorry for owners of this ASX healthcare stock.

    Yes, Medadvisor shares are up a whopping 127.27% over 2024 to date. This company is also up 108.33% over the past 12 months, and has gained 11.11% over the past month alone.

    Check that all out for yourself below:

    So how has this ASX healthcare stock pulled off such significant gains, especially over the past month alone?

    How has this ASX healthcare stock risen 127% in 2024?

    Well, excitement over Medadvisor shares arguably started building after the ASX healthcare stock released an impressive quarterly update back in April. As we briefly covered at the time, this saw Medadvisor post a 42.4% rise in operating revenues for the quarter ending 31 March 2024 to $24.2 million. That was up from $17 million over the same quarter of 2023.

    Medadvisor’s gross profits for the quarter increased by an even more impressive 48.5% to $15.3 million.

    The positive sentiment following this quarterly update seemed to intensify over the following month. In May, Medadvisor followed up this quarterly update with some guidance for the full 2024 financial year. The company revealed that it is expecting to bring in $120-$123 million in revenues over FY24, which would be a huge improvement over the $98 million it saw over FY23.

    The ASX healthcare stock is also anticipating to book its first-ever net profit after tax in FY24. It has told investors to expect a net profit of between $500,000 and $800,000 for the year, which again is a massive improvement over FY23’s net loss of $11.3 million.

    So now it’s probably becoming clear why Medadvisor has become such a sought-after stock on the ASX in recent months.

    EBOS buys up Medadvisor shares

    But it’s not just ordinary investors that seem keen on this ASX healthcare stock. An announcement earlier this month confirmed that another healthcare stock in EBOS Group Ltd (ASX: EBO) has been buying up shares in Medadvisor. The ASX filing revealed that EBOS has recently acquired just over 27.5 million shares of Medavisor, increasing its stake in the company to 9.8%.

    Here’s how EBOS explained its move:

    EBOS initially acquired a 14.1% interest in MedAdvisor in October 2017, which has been diluted by subsequent share issuances.

    EBOS regards its shareholding in MedAdvisor as an investment and does not intend to make a change of control proposal in respect of MedAdvisor.

    So it seems that Medadvisor’s recent financial statements are largely behind this ASX healthcare stock’s remarkable ASX run in recent months. It probably doesn’t hurt Medadvisor shares’ fortunes that EBOS is buying up additional stock either. Let’s see what FY25 has in store for this ASX high flyer.

    The post Up 127% in 2024, why this ASX healthcare stock is surging again this month appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Medadvisor Limited right now?

    Before you buy Medadvisor 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 Medadvisor 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…

    See The 5 Stocks
    *Returns as of 24 June 2024

    More reading

    Motley Fool contributor Sebastian Bowen 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 MedAdvisor. 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.

  • Rhaenys had to die on ‘House of the Dragon’ for the war to begin

    eve best in house of the dragon as rhaenys targaryen, walking along a cobblestone path in a black tunic and pants, holding gloves in one hand. her hair is pulled half up, and she has a serious expression on her face
    Eve Best as Rhaenys Targaryen in season two, episode four of "House of the Dragon."

    • Princess Rhaenys Targaryen made a crucial choice in the latest episode of "House of the Dragon."
    • Rhaenys, the Queen Who Never Was, represented an old order in Westeros. 
    • Her decision sets the stage for Rhaenyra's war, and was a necessary one. 

    Warning: Major spoilers ahead for season two, episode four of "House of the Dragon."

    "House of the Dragon" isn't a show that pulls its punches, but its latest episode, "The Red Dragon and the Gold," landed its most devastating blow yet.

    Those who have read "Fire and Blood" weren't surprised to see Princess Rhaenys Targaryen, the Queen Who Never Was, and her dragon Meleys fall to Aemond Targaryen and Vhagar. Rhaenys embarked to Rook's Rest, a modest castle close to Rhaenyra's base at Dragonstone, to meet Ser Criston Cole's advancing force. But when she arrived, she met two dragons: Sunfyre, ridden by King Aegon II, and Vhagar, ridden by Aemond. Though she and Meleys fought until the last moment, Vhagar overpowered them, and she fell to her death.

    Rhaenys' death, as a viewer, is a tragedy. But for "House of the Dragon" to fully commit to its devastating dragon war, fought between a woman with a rightful claim to the throne and her usurper younger half-brother, Rhaenys needed to die.

    eve best as rhaenys targaryen in house of the dragon, dressed in full armor and a headpiece while clinging onto a dragon statue. she's flying through a grey sky, and her expression is resolute
    Rhaenys Targaryen flies into battle in season two of "House of the Dragon."

    'House of the Dragon's' original sin is denying Rhaenys the throne

    "House of the Dragon" takes place during a short period of Targaryen family history — there are a vast number of events, like Aegon's Conquest, that precede it, and obviously, a long history that follows it (you could call some of it "Game of Thrones"). But within the context of the show, the story begins most specifically during the Great Council meeting to determine King Jahaerys' successor.

    With Jahaerys' sons dead, the council's choice boiled down to two options: Rhaenys, his eldest descendant, or Viserys, his eldest male descendant. Having never sat a Queen on the Iron Throne, the council chose the comparatively soft Viserys, whose decisions sowed the seeds for Rhaenyra and Aegon's war. Rhaenys, for the rest of her life, bears the slight with grace as the Lord of Driftmark Corlys Velaryon's wife.

    eve best and steve toussaint as rhaenys and corlys in house of the dragon, standing at the head of a council table. both are wearing black clothing, with their silver hair worn long, and rhaenys crosses her arms as she looks towards corlys
    Eve Best and Steve Toussaint as Rhaenys and Corlys Velaryon in season two, episode four of "House of the Dragon."

    But despite her acquiescence, the wrong of denying Rhaenys the throne hangs like a pall over "House of the Dragon," and Rhaenyra especially. Rhaenys represents and espouses an old "order of things," as she admonishes a young Rhaenyra about in season one: one where a man will always be seen as a legitimate ruler over a woman, regardless of her claim to the throne. When Rhaenyra and Rhaenys' son Laenor are engaged, Rhaenys worries that her son will be endangered during a succession challenge. When her husband, Lord Corlys Velaryon, brings up her denial of the throne, Rhaenys says that she shuttered her ambition "a generation ago."

    Rhaenys' persistence over the course of the series, particularly as Rhaenyra faces further challenges regarding her claim, asks an implicit question: if Rhaenys could bear not becoming Queen, why couldn't Rhaenyra?

    Rhaenys' sacrifice represents the true beginning of the war

    It feels remarkable when Rhaenys throws her weight behind Rhaenyra, though she does so seemingly reluctantly. She knows that if Rhaenyra pursues her claim, it will bring calamity. But when Alicent installs her son Aegon on the throne, Rhaenys does not bend the knee — but neither can she take the opportunity to end Alicent's bloodline when it's presented to her.

    "That war is not mine to begin," Rhaenys tells Daemon and Rhaenyra, justifying her actions.

    At the end of season one, Rhaenys persuades her husband, Corlys, to back Rhaenyra, citing the safety of their grandchildren. But she also praises Rhaenyra's restraint in not submitting to all-out war, which proves to be a major theme in season two. It's Rhaenys who incites Rhaenyra's final errand for peace: a face-to-face with Alicent, in the hopes of avoiding a war between dragons.

    Olivia Cooke as Alicent and Emma D'Arcy as Rhaenyra in front of multiple candles in a dark room.
    In the latest episode of House of the Dragon, Rhaenyra (Emma D'Arcy) visits her stepmother, Alicent (Olivia Cooke), to figure out how they can stop the brewing civil war.

    And when that falls through, it's Rhaenys who must step up. Eve Best, who plays Rhaenys with a steady hand, told Business Insider that as the voice of restraint — and as Rhaenyra's strongest warrior, astride Meleys — there was no other choice.

    But thematically, Rhaenys' sacrifice is a necessary one. As she reminded Rhaenyra in her youth, she's an emblem of the old tradition: one in which the Queen Who Never Was must gracefully bear the insult of being denied a kingdom. No one better understands the trials that Rhaenyra faces and the judgment calls that she must make. That's why Rhaenys makes this final decision for her, telling Rhaenyra, "You must send me."

    That decision proves that Rhaenys couldn't — or wouldn't — bear that insult for any longer, though she fights for Rhaenyra's claim and not her own. Her sacrifice symbolizes an open door — one through a which a new order, however bloody the process, may be forged.

    Read the original article on Business Insider