• I lost my full-time job and had to drain my savings and take 2 service jobs to make ends meet. It taught me to lean on people.

    Smiling woman in a camel coat standing in sunlight against a geometric black-and-white wall.
    Keijhon Francis spent over a year unemployed before finding a new role.

    • Keijhon Francis spent over a year unemployed during her job search.
    • She relied on therapy, support from friends, and strategic job searching to persevere.
    • Francis emphasizes self-worth, resilience, and the importance of community during unemployment.

    This as-told-to essay is based on a conversation with Keijhon Francis, a 29-year-old communications specialist based in Brooklyn, NY. The following has been edited for length and clarity.

    Losing my job last year completely upended my sense of self. I'd never been let go before, and I panicked.

    I'd moved to New York for my job — a communications associate role — and didn't know how I'd continue to live my life without it.

    I called a friend, and we agreed that after a few hours, I had to stop crying and accept what had happened.

    Months later, I'd applied to over 100 jobs, and nothing was working. I withdrew my entire retirement savings just to make ends meet.

    The journey taught me that if you're not open to people being there for you, they won't be. So open yourself up to it and let them help.

    I'd never faced unemployment before, and I didn't know what to do with all the time I had

    It was close to the holidays when I was let go, and hiring is usually slow during that time. I decided not to focus too much on my job search right away and to figure it out in the new year.

    I started to go stir-crazy with all the time I suddenly had. I had a lot of thoughts going through my head about whether I was good enough or deserved certain levels of respect at work. It altered my self-perception and put me in a bad place mentally.

    I was still applying to jobs, but also spent my time taking walks, enjoying New York during the holiday season, and talking to my friends as much as possible because that really helped me level out.

    I was mass applying until I realized I needed to be more strategic about my job search

    Once the new year arrived, I was home all day, sending in applications as if it were my full-time job.

    I applied on LinkedIn and Indeed, and if I saw a job posting on Instagram, I'd send my résumé. I used AI to help tailor my applications, find roles I could apply for with my skill set, and optimize my LinkedIn profile.

    By late spring, I realized I needed to be more strategic because I wasn't getting anywhere, and rejection after rejection was wearing on me. I started tailoring my applications heavily to each role and applied to around three suitable roles a day, versus 25 roles with the same generic résumé.

    I saw a slight increase in responses after switching my strategy, but still nothing came through.

    I had to pull my retirement savings out to get by, but then I ran out of that money

    I went into my retirement account, which had about $10,000, and I withdrew the entire amount as a safety net for myself. I was also receiving about $500 a week in unemployment benefits until May.

    In July, I was flat broke with nothing coming in and nothing to fall back on. That got rough. I realized that I needed any job as soon as possible and couldn't focus on my search on a full-time role anymore.

    I got a job as a cashier at a local market in Brooklyn. A week later, I added a job as a host at a bar, which I still host at. Those two combined brought me back to being able to make it through the months financially. But I was feeling very negative internally and trying not to show it.

    Therapy and my support system helped me regain my self-worth

    Through attending therapy and dedicating time to working on freelance gigs and mock projects to boost my portfolio, I realized my old role hadn't been the right fit for me and didn't reflect my worth.

    Having so many people pray for me, check in, encourage, and uplift me made me realize that I'm loved and worthy of love. It made me feel less alone during one of the most critical periods of my life.

    Through some of those really hard moments, when I didn't know how I would make rent or afford food, I'd think of the positives that came with this newfound free time. I was able to see my best friend of 17 years give birth to her first baby. My relationship with my father has grown immensely, which has been incredible.

    It was really beautiful to form stronger bonds with those people, as well as gain a deeper understanding of who I am and what I need.

    I found my next job through my network of friends

    A friend that I used to work with messaged me one day and asked if I was still looking for a job because she knew someone leaving their role, and she thought I would be a great fit.

    I immediately applied, and then I didn't hear from them for a couple of weeks. I went through the interview process, which was pretty long. However, I got the call in October that I had landed the job.

    I couldn't even let her finish her statement before I started sobbing. It just felt like that chapter of my life was finally closed. It was everything I had been hoping, praying, and fighting for over the last year.

    This experience taught me how to advocate for myself and reframe work in my life

    I've learned a great deal about myself and my priorities. When I lost my job, I was feeling so bad about myself because my identity was tied to my work performance in many ways.

    I realized that I always wanted to bring my best self to a role, but I never want to lose myself in it again. That's something I'll take with me as I continue to move forward in life.

    To anyone newly unemployed: Take it one day at a time. Use this time to figure out what truly makes you happy. Do what you need to do to ensure that your bills are paid and all the necessary things are taken care of, but let the people who love you be there for you.

    Do you have a story to share about long-term unemployment? Contact this reporter, Agnes Applegate, at aapplegate@businessinsider.com.

    Read the original article on Business Insider
  • These top ASX 200 stocks could rise 25% to 60%

    Two happy excited friends in euphoria mood after winning in a bet with a smartphone in hand.

    If you are looking for quality ASX 200 stocks to buy for big potential returns, then read on!

    Listed below are three shares that analysts believe can rise very strongly from where they trade today.

    After which, they have the potential to compound and build wealth for investors long into the future. Here’s why they could be top picks right now:

    Cochlear Ltd (ASX: COH)

    The first ASX 200 stock that could be a top buy is hearing implant leader Cochlear. It appears well position for growth over the long term thanks to rising demand for its devices on the back of ageing populations across the globe and broader access to hearing healthcare.

    And with a robust balance sheet and a track record of delivering both earnings and dividend growth, Cochlear could be a blue chip to buy and hold onto for the next decade.

    UBS currently rates Cochlear as a buy with a $350.00 price target. This implies potential upside of 25% for investors over the next 12 months.

    ResMed Inc. (ASX: RMD)

    Another ASX 200 stock to buy and hold could be ResMed. With more than one billion people worldwide estimated to suffer from sleep apnoea, and the vast majority undiagnosed, ResMed has a significant growth runway over the next decade and beyond. The company continues to innovate across masks, devices and software while benefiting from rising awareness and diagnosis rates. Its cloud-connected ecosystem creates sticky customer relationships and high recurring revenue. For investors seeking a defensive growth story backed by secular demand, ResMed could be a top pick.

    Macquarie has an outperform rating and $49.20 price target on its shares. This suggests that upside of 25% is possible for investors from current levels.

    Xero Ltd (ASX: XRO)

    A third ASX 200 stock to consider buying and holding is Xero. It is one of the world’s leading cloud accounting platforms and still has a huge global market to chase. With more than 4.5 million subscribers and NZ$2.7 billion in annualised monthly recurring revenue, the company remains in the early stages of penetrating a total addressable market estimated at around 100 million small businesses. As digital adoption accelerates in the UK, North America and Asia, Xero’s subscription model and high customer lifetime value create a powerful long-term growth engine.

    Ord Minnett is bullish on Xero’s outlook. It recently put a buy rating and $200.00 price target on its shares. This implies potential upside of 60% for investors between now and this time next year.

    The post These top ASX 200 stocks could rise 25% to 60% appeared first on The Motley Fool Australia.

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

    Before you buy Cochlear 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 Cochlear 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

    .custom-cta-button p {
    margin-bottom: 0 !important;
    }

    More reading

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

  • Here are the top 10 ASX 200 shares today

    Ten happy friends leaping in the air outdoors.

    It was a wild, yet positive Thursday session for the S&P/ASX 200 Index (ASX: XJO) today. After giving up a large lead after lunch, investors managed to save their bacon by the closing bell, keeping the ASX 200 above water with a 0.13% rise. That leaves the index at 8,617.3 points.

    This decent day for the Australian markets follows an upbeat morning over on Wall Street.

    The Dow Jones Industrial Average Index (DJX: .DJI) had another strong session, rising 0.67%.

    The tech-heavy Nasdaq Composite Index (NASDAQ: .IXIC) ran ahead of the Dow, gaining 0.82%.

    But let’s return to the local markets now, and take a deeper dive into what the various ASX sectors were up to this Thursday.

    Winners and losers

    We only had two croners of the market that missed out on a rise today.

    The first, and worst, of those were energy stocks. The S&P/ASX 200 Energy Index (ASX: XEJ) had a tough session, diving 1.29%.

    The other red sector was mining shares, with the S&P/ASX 200 Materials Index (ASX: XMJ) drifting down 0.17%.

    It was a party everywhere else, though. The celebrations were tech stocks. The S&P/ASX 200 Information Technology Index (ASX: XIJ) rocketed up 2.04% today.

    Gold shares ran hot, evidenced by the All Ordinaries Gold Index (ASX: XGD)’s 1.11% surge.

    Healthcare shares saw high demand as well. The S&P/ASX 200 Healthcare Index (ASX: XHJ) soared up 0.75% today.

    Consumer discretionary stocks were a little more muted, with the S&P/ASX 200 Consumer Discretionary Index (ASX: XDJ) putting on 0.34%.

    Industrial shares fared decently, too. The S&P/ASX 200 Industrials Index (ASX: XNJ) jumped by 0.27%.

    We could say the same for utilities stocks, as you can see by the S&P/ASX 200 Utilities Index (ASX: XUJ)’s 0.2% bump.

    Communications shares were in a similar boat as well. The S&P/ASX 200 Communication Services Index (ASX: XTJ) increased its value by 0.17%.

    Real estate investment trusts (REITs) also found themselves in that ballpark, with the S&P/ASX 200 A-REIT Index (ASX: XPJ) adding 0.14% to its total.

    Financial stocks came next. The S&P/ASX 200 Financials Index (ASX: XFJ) lifted 0.1% by the closing bell.

    Finally, consumer staples shares only just made the cut, illustrated by the S&P/ASX 200 Consumer Staples Index (ASX: XSJ)’s 0.03% uptick.

    Top 10 ASX 200 shares countdown

    The best stock on the index this Thursday was investment share HMC Capital Ltd (ASX: HMC). HMC shares surged 10.25% this session to close at $3.55 a share.

    This move came despite no fresh news out of the company.

    Here’s how the rest of today’s best shares landed their planes:

    ASX-listed company Share price Price change
    HMC Capital Ltd (ASX: HMC) $3.55 10.25%
    GQG Partners Inc (ASX: GQG) $1.82 8.68%
    DigiCo Infrastructure REIT (ASX: DGT) $2.67 8.10%
    WiseTech Global Ltd (ASX: WTC) $69.72 6.85%
    Light & Wonder Inc (ASX: LNW) $152.06 5.92%
    Catapult Sports Ltd (ASX: CAT) $5.36 5.72%
    Judo Capital Holdings Ltd (ASX: JDO) $1.59 5.32%
    Zip Co Ltd (ASX: ZIP) $3.37 5.31%
    IperionX Ltd (ASX: IPX) $5.09 4.95%
    Temple & Webster Group Ltd (ASX: TPW) $14.45 4.48%

    Our top 10 shares countdown is a recurring end-of-day summary that shows which companies made big moves on the day. Check in at Fool.com.au after the weekday market closes to see which stocks make the countdown.

    The post Here are the top 10 ASX 200 shares today appeared first on The Motley Fool Australia.

    Should you invest $1,000 in HMC Capital right now?

    Before you buy HMC Capital 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 HMC Capital 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

    .custom-cta-button p {
    margin-bottom: 0 !important;
    }

    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 Catapult Sports, HMC Capital, Light & Wonder Inc, Temple & Webster Group, and WiseTech Global. The Motley Fool Australia has positions in and has recommended Catapult Sports and WiseTech Global. The Motley Fool Australia has recommended Gqg Partners, HMC Capital, Light & Wonder Inc, and Temple & Webster Group. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • Marc Andreessen shares the prompts he says turn AI into ‘the world’s best coach’

    Marc Andreessen
    Marc Andreessen says the right prompts can turn AI into the "world's best coach."

    • Marc Andreessen says the right prompts can turn AI into the "world's best coach."
    • People should start treating AI like a "thought partner," the venture capitalist said.
    • He shares some prompts that can push AI to analyze, improve, and rethink your work.

    Marc Andreessen has some tips for getting the most out of AI.

    The venture capitalist said on an episode of the "a16z Podcast" published Tuesday that AI tools can act as the "world's best coach, mentor, therapist, advisor, board member" for anyone who asks the right kind of questions.

    AI is probably "the most democratic" technology of all time, said the cofounder of VC firm Andreessen Horowitz. "The very best AI in the world is fully available on the apps that anybody can download."

    Andreessen said the real power of AI is unlocked when the user starts treating it like a "thought partner." "Part of the art of AI, right, is what questions to ask it," he said.

    He laid out several examples using a small business. A bakery owner, for instance, could feed AI anything from staffing schedules to customer emails to ad copy, and let the model critique all of it.

    Andreessen also said product development works the same way: Give AI your recipe and ask how to improve it.

    "What's the best cinnamon roll recipe in the world? Work backward from that," he said.

    "You could also say, 'Look, I want to make the best one in the world, but I need to do it at 1/10 of the price,'" he said. "What are the ways to cost-optimize?"

    Andreessen said that meta prompts can help users determine the best questions to ask AI. They surface blind spots and reshape one's approach.

    "What questions should I be asking?" he said users should query the bot. "Teach me how to use you in the best way."

    Knowing how to prompt is key

    Other tech leaders have echoed Andreessen's point that knowing how to prompt AI is critical to unlocking its full value.

    Google Brain founder Andrew Ng said at the Masters of Scale Summit 2025 in October that having an "extended conversation" with a model produces a better response.

    "AI is very smart, but getting context in is difficult," Ng said, adding that he uses AI in voice mode to brainstorm work ideas while driving.

    EY's Americas chief technology officer, Matt Barrington, said in an interview with Business Insider earlier this year that managing context in AI is crucial.

    "I keep separate AI 'workspaces' for different focus areas — such as technical Q&A or drafting client communications," he said in the report published in February.

    "I also give the AI clear instructions about the style and depth of response I want, like 'Provide a concise, bullet-point summary,' or 'Act as a finance expert,' or 'Cite credible sources or references and provide links,'" he added.

    Read the original article on Business Insider
  • Broker names 2 small cap ASX shares to buy for big returns

    A man wearing glasses and a white t-shirt pumps his fists in the air looking excited and happy about the rising OBX share price

    If you have a high tolerance for risk and a penchant for small cap ASX shares, then read on!

    Listed below are two small caps that Morgans has just given buy ratings to. Here’s what it is recommending this month:

    MotorCycle Holdings Ltd (ASX: MTO)

    This motorcycle retailer could be a small cap ASX share to buy according to Morgans.

    It highlights that MotorCycle Holdings has started FY 2026 strongly, with sales up 19% year to date. And with its margins rising more than expected, this bodes well for its earnings growth in FY 2026. It said:

    MTO has commenced FY26 positively, delivering +19% sales growth (+6% organic; +13% inorganic) on better-than-expected gross margins (+85bps on pcp). The Peter Stevens Motorcycles (PSM) turnaround and integration process is taking shape quickly, with MTO driving a return to sales growth in October (+16% on pcp). Organic sales growth of +6% through FY26 (4 mths) was a commendable outcome given weak industry volumes through 3Q CY25 (-6%), leading to further incremental organic market share gains for the group (17.8% vs 15.5% pcp).

    Another positive is that Morgans expects the second half of FY 2026 to be even stronger. It adds:

    We view a stronger 2H to be driven by a full contribution of PSM (at a normalised run-rate); a seasonally stronger Mojo 4Q; and benefits from the group’s broader initiatives (digital transformation; used volume growth; eCommerce) taking effect. Despite industry conditions remaining cyclically low from a volume and margin perspective, MTO has continued to improve the business, acquiring material scale through PSM, diversifying operations via Mojo, stabilising the cost base and driving organic share gains.

    In light of this, Morgans has put a buy rating and $4.50 price target on its shares. This implies potential upside of 20% from current levels. It concludes:

    We view the valuation undemanding (~11x FY26F PE; ~5% yield), with a material margin expansion opportunity ahead should volumes turn slightly more favourable. BUY maintained.

    Tesoro Gold Ltd (ASX: TSO)

    Morgans also thinks that this gold developer could be a buy for investors with a high risk tolerance.

    In fact, the broker has named it as its top gold pick in the Americas region thanks to its robust production base case. It said:

    We update our TSO model, rolling our valuation forward and adjusting cash position. TSO remains our top gold pick in the Americas, supported by a robust production base case and district-scale resource growth potential that offers potential step-change upside.

    And even though its shares have rallied strongly this year, Morgans believes there’s still potential for huge returns over the next 12 months. It has put a speculative buy rating and 32 cents price target on its shares. This is compares to its current share price of just 7.2 cents.

    Morgans highlights that its shares are trading at a deep discount to peers on an EV/Resource basis. It adds:

    While the share price has performed well, TSO still appears inexpensive relative to peers on an EV/Resource basis, trading at A$54/oz (vs A$176/oz peer average), and on a P/NAV basis at 0.2x vs the peer benchmark of 0.4x. We maintain our SPECULATIVE BUY rating, with a price target of A$0.32ps (previously A$0.27ps).

    The post Broker names 2 small cap ASX shares to buy for big returns appeared first on The Motley Fool Australia.

    Wondering where you should invest $1,000 right now?

    When investing expert Scott Phillips has a stock tip, it can pay to listen. After all, the flagship Motley Fool Share Advisor newsletter he has run for over ten years has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    Scott just revealed what he believes could be the ‘five best ASX stocks’ for investors to buy right now. We believe these stocks are trading at attractive prices and Scott thinks they could be great buys right now…

    * Returns as of 18 November 2025

    .custom-cta-button p {
    margin-bottom: 0 !important;
    }

    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 recommended MotorCycle. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • $20,000 invested in CBA shares a year ago is now worth….

    a man weraing a suit sits nervously at his laptop computer biting into his clenched hand with nerves, and perhaps fear.

    Commonwealth Bank of Australia (ASX: CBA) shares have climbed 0.225% at the time of writing on Thursday afternoon, to $153.86 a piece. 

    Over the past month, the shares have dropped 10.39% after the banking giant’s stock crashed just over 15% between the 6th and the 19th of November. 

    The shares are still trading higher than their 52-week low of $140.21, but they’re a long way away from the all-time high of $192 per share reached in June.

    So if I bought $20,000 of CBA shares last year, how much are they worth now?

    CBA shares are currently trading at a price 2.35% lower than this time last year. This means $20,000 invested 12 months ago would now be worth a total of $19,530.

    What caused the latest nosedive?

    This month’s share price tumble follows the bank’s quarterly update, posted on 11th November. The bank reported a quarterly cash NPAT of approximately $2.6 billion, with a 1% increase from the previous half-year and a strong CET1 ratio of 11.8%, above regulatory requirements. 

    But the results failed to justify CBA’s premium share price valuation, and investors started hitting the sell button in panic.

    CBA shares were the third most-traded by CommSec clients last week, too, although this appears to be mostly buying activity.

    Is it too late to buy or is there more upside ahead?

    Analysts consensus is that the buying opportunity for CBA shares has now passed, with more downside anticipated throughout 2026.

    According to TradingView data, out of 15 analysts, 13 have a sell or strong sell rating on the stock. The minimum target price is $96.07, and the maximum is $146. Regardless, both price targets imply a significant potential downside of up to 37.72%, at the time of writing.

    Macquarie has an underperform rating on CBA shares with a $106 target price. That’s more than 40.6% below the CBA share price at the time of writing. The broker recently said that there is limited upside potential ahead. 

    Analysts at Morgans have a sell rating on CBA shares and a $96.07 target price. At the time of writing, that implies an enormous 40% downside for investors over the next 12 months.

    Bell Potter is underweight on CBA shares. The broker said that the bank’s “valuation premium has expanded to an extreme and, in our view, unsustainable level, trading at a P/E multiple that is ~40% above the peer average”.

    The post $20,000 invested in CBA shares a year ago is now worth…. appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Commonwealth Bank of Australia right now?

    Before you buy Commonwealth Bank of Australia 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 Commonwealth Bank of Australia 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

    .custom-cta-button p {
    margin-bottom: 0 !important;
    }

    More reading

    Motley Fool contributor Samantha Menzies 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 Macquarie Group. The Motley Fool Australia has positions in and has recommended Macquarie Group. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • Here is how Morgans rates the big four ASX 200 bank shares

    Bank building in a financial district.

    The big four S&P/ASX 200 Index (ASX: XJO) bank shares have experienced their very own market rotation in FY26.

    In FY25, Commonwealth Bank of Australia (ASX: CBA) was easily the outperformer of the group, with its share price soaring 45% and reaching a record $192 in late June.

    This compared to a still impressive 24% lift for Westpac Banking Corp (ASX: WBC) shares in FY25, as well as a moderate 8.6% gain for National Australia Bank Ltd (ASX: NAB) shares, and just a 3.3% bump for the ANZ Group Holdings Ltd (ASX: ANZ) share price.

    The trend has reversed in FY26.

    ASX 200 bank shares in FY26

    ANZ shares are leading the group in FY26, with the share price 21% higher at $35.15, up 0.06% today.

    The ANZ share price also reached a new record of $38.93 this month.

    The Westpac share price has risen 12% in FY26 to $37.80, down 0.2% today, after setting a new record at $41 this month.

    NAB shares have increased 3% to $40.47, up 0.2% today, after also peaking at a new all-time high of $45.25 this month.

    Meanwhile, the CBA share price has tumbled 17% to $154.01, up 0.3% today, and is now 20% off its historical peak.

    How does Morgans rate the big four bank stocks?

    After the big four supplied reports to the market this month, Morgans released new notes on each ASX 200 bank share.

    Let’s take a look.

    ANZ shares

    Morgans has a trim rating on ANZ shares with a 12-month price target of $33.09.

    This implies a near 6% fall over the next year.

    The broker recapped the ASX 200 bank share’s recent 2H FY25 report:

    Earnings were materially below market expectations, albeit consensus may not have fully adjusted for the significant items.

    However, 12 month target price lifts 29 cps to $33.09/sh due to CET1 capital outperformance in 2H25.

    We recommend clients TRIM into share price strength, with the share price and implied valuation multiples trading at or around all-time highs.

    Westpac shares

    Morgans says investors overweight on Westpac should sell following the ASX 200 bank share’s strong gains in FY26.

    The broker also noted various highlights from Westpac’s 2H FY25 report:

    In the 2H25 result we appreciated the strong business lending growth, resilient asset quality, relatively stable underlying NIM, and regulatory capital strength. Cost investment is being made to deliver long-term revenue and cost gains.

    With the stock trading around all-time highs but with limited earnings growth over coming years we continue to recommend clients SELL overweight positions.

    NAB shares

    The broker has a sell rating on NAB and a price target of $31.46.

    This implies a more than 20% potential downside over the next 12 months.

    Morgans said NAB missed consensus expectations of flat earnings in 2H FY25 and instead reported a 2% decline.

    The broker commented:

    While NAB has loan growth and revenue momentum heading into 1H26, it also has momentum in costs and showed signs of asset quality deterioration and tightness in regulatory capital. This is likely to see limited (if any) DPS growth and constrain capital management over coming years.

    NAB is trading at historical extremes of key valuation metrics. The 2H25 result and earnings outlook doesn’t justify such pricing.

    CBA shares

    Morgans has a sell rating on CBA shares with a price target of $96.07.

    This suggests a near 40% potential downside over the next 12 months (eek!).

    CBA recently released its 1Q FY26 update, with the broker commenting:

    While the market wasn’t expecting much earnings growth (c.2% for 1H26, and we were more bullish than consensus), growth was weaker than these expectations.

    We remain SELL rated on CBA, recommending clients aggressively reduce overweight positions given the risk of poor future investment returns arising from the even-now overvalued share price and low-to-mid single digit EPS/DPS growth outlook.

    The post Here is how Morgans rates the big four ASX 200 bank shares appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Australia And New Zealand Banking Group right now?

    Before you buy Australia And New Zealand Banking Group 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 Australia And New Zealand Banking Group 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

    .custom-cta-button p {
    margin-bottom: 0 !important;
    }

    More reading

    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 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.

  • Linda Hamilton, 69, says she doesn’t want to ‘chase longevity’

    Linda Hamilton.
    Linda Hamilton, 69, says she isn't chasing beauty or longevity.

    • Linda Hamilton, 69, says she is embracing the lines on her face.
    • "I have just completely surrendered to the fact that this is the face that I've earned," the actor said.
    • Hamilton said her twin sister's death five years ago pushed her to start tackling her bucket-list goals.

    Linda Hamilton, 69, says she's feeling at home in her own skin.

    Speaking to AARP in an interview published on Wednesday, the "The Terminator" actor said she wants to age with grace by embracing the lines and features that show the life she has lived.

    "I do not spend a moment trying to look younger on any level, ever. I have just completely surrendered to the fact that this is the face that I've earned. And it tells me so much. And sometimes it's stuff I don't want to hear," Hamilton told AARP.

    At this point in her life, there are more important things to worry about than her appearance.

    "I don't chase beauty, and I don't chase longevity particularly," she added.

    Still, Hamilton said she aims to stay healthy while living "fully planted in the moment."

    "But not all the time — sometimes it is just a jelly donut. I'm not rigid, which is a fantastic way to get older," she said, adding that she's tried "to stay as fluid as possible" throughout her life.

    "One definition of happiness is being in the middle of a fast-moving river and not trying to swim to the left or the right side. And that, truly, is kind of what my life has been. It's been a great, fun ride," she said.

    Hamilton, who stars in the latest and final season of "Stranger Things," said she attends physical therapy three times a week to stay in shape for her role.

    She added that her workouts change depending on what her body needs that day.

    "It was Pilates, it was yoga, a lot of free weights, machines, cables, everything. And I kind of love that: to go in and not have a chest and back day, but just have a 'what do you need to loosen up and stretch out today,'" Hamilton said.

    Embracing aging also means finally taking on the bucket-list items she'd delayed, a change she said was fueled by her twin sister's death five years ago.

    "It sure did shake me up a little bit, the huge loss of my other half. I started doing some bucket-list things. I started jumping horses again after 40 years," Hamilton said.

    Despite all that, she's found plenty to appreciate about getting older.

    "I fully inhabit myself in a way that I never did when I was younger. I'm not trying to please anyone or prove anything or show off," she said.

    Hamilton added that she's satisfied with her career, and that she'd found "a great balance between work and life."

    "And yet I'm managing to still be part of my community and not leave all my friends behind because I'm working. I have found a way to weave it together very beautifully. I certainly feel like everything is a blessing right now," she said.

    Hamilton has spoken about aging in the past, too.

    In an October 2019 essay for Glamour, Hamilton said she's proud to be her age.

    "I keep saying, 'Why does 40 have to be the new 60? Why can't 60 be the new 60? Why do we have to color everything with this idea of eternal youth?'" she wrote.

    Speaking to Us Weekly in November 2019, she criticized Hollywood's obsession with youth and her appearance.

    "Of course people are going to look at me and say 'Oh, she got old.' Yes, I did, and I have so much more to say as a strong, experienced life-ridden woman," Hamilton said.

    Read the original article on Business Insider
  • Alison Brie says one trick has helped her and Dave Franco survive the holidays with the in-laws

    Dave Franco and Alison Brie.
    Dave Franco and Alison Brie have a trick for making holiday family time more manageable.

    • Alison Brie, 42, says she and her husband, Dave Franco, have a simple way to get through the holidays.
    • The key is in acknowledging "all the quirks of each other's families with no judgment," she said.
    • Psychologists previously told Business Insider that holiday gatherings can be stressful for the brain.

    Alison Brie, 42, says she and her husband, Dave Franco, have a simple fix for making holiday time with each other's families a lot more manageable.

    "The holidays are about family in a way that is beautiful, but can also be a little stressful," Brie told People in an interview published on Wednesday. "So I think in a marriage, it's nice to kind of be one another's allies, acknowledge the kookiness of it all."

    Brie and Franco first met in 2011 while celebrating Mardi Gras in New Orleans. They married in 2017 and don't have kids.

    "I think the key to a happy marriage during the holiday season is being able to acknowledge privately, together, all the quirks of each other's families with no judgment," Brie said.

    The "Community" actor also says there's "more acceptance and a lot of love" in the act of "venting with one another."

    To make holiday shopping for family less stressful, Brie says she and Franco try to "divide and conquer."

    "I will do the shopping for my family. He will do the shopping for his family, and the gifts are given from both of us," she said.

    The couple's commitment to supporting each other extends beyond the holiday season.

    Speaking to Marie Claire in August, Franco said they've made a habit of sending each other a "mini love letter" every night before bed whenever they're apart.

    "It really makes you focus on the other person and let them know in a unique way, every single night, how much they mean to you," Franco said.

    Holiday gatherings can be stressful for the brain, four psychologists told Business Insider in 2019.

    "Overall, there's an intensity to the experience that we don't typically have in our day-to-day lives, so often our feelings and interactions feel heightened," Paraskevi Noulas, a psychologist at NYU Langone, said.

    Testosterone, cortisol, and other hormone levels can also fluctuate more significantly over the holiday season, in part due to factors like travel stress, Robin Edelstein, a professor of psychology at the University of Michigan, said.

    To manage holiday stress, the psychologists say it's essential to prioritize basic self-care, including getting sufficient sleep and staying physically active.

    Read the original article on Business Insider
  • Andrew Ng shares his AI brainstorming playbook — a lot of it happens in the car

    Andrew Ng
    Andrew Ng says he uses multiple AI models and long conversations to brainstorm while on the road.

    • Andrew Ng says he talks to and brainstorms with AI while on the road.
    • The Google Brain founder said he uses multiple models and has extensive conversations in the car.
    • A growing number of executives have shared how they use AI in their day-to-day workflows.

    Andrew Ng says he brainstorms work ideas by talking to AI in voice mode while driving.

    The Google Brain founder said at the Masters of Scale Summit 2025 in October that he uses AI as a "brainstorming companion much more than even my friends know."

    "When I'm driving, I talk to AI quite a lot," he said in the discussion, which was published Wednesday.

    Ng said he rarely sticks to a single chatbot. To brainstorm effectively, he rotates across different models and leans into their contrasting strengths. For coding, he prefers tools like Claude Code and OpenAI's Codex.

    He added that staying longer in a conversation with the model yields a better response.

    "AI is very smart, but getting context in is difficult," Ng said. "A lot of it is not, 'Let me say some stuff, then give me ideas.'"

    Rather, it's about engaging in an "extended conversation" with the model: discussing ideas and providing feedback.

    Ng said he would "just get work done while driving." Once he reaches his destination, he asks the AI to summarize their exchange and forward it to his team.

    Earlier this year, Ng said that there are moments when "lazy prompting" — giving the AI minimal context or instructions — can actually be a more efficient approach.

    "It's sometimes faster to be lazy and dash off a quick, imprecise prompt and see what happens," Ng said on X in April. "Most LLMs are smart enough to figure out that you want them to help understand and propose fixes, so you don't need to explicitly tell them."

    "We add details to the prompt only when they are needed," he added.

    How leaders are using AI at work

    A growing number of executives have shared about how they are using AI and weaving it into their day-to-day workflow.

    Google CEO Sundar Pichai said in June that he has been using AI to casually vibe code and build web apps.

    "It's exciting to see how casually you can do it now," Pichai said. "Compared to the early days of coding, things have come a long way."

    Box CEO Aaron Levie told Business Insider in a September report that he uses a mix of AI tools depending on the task. He turns to ChatGPT or Perplexity for research, switches to Cursor when he needs quick prototypes of new product features, and uses Box AI when he's working directly with data.

    Booking Holdings CEO Glenn Fogel told Business Insider in the same report that he has used AI to refine his public speaking skills. Fogel said he uploaded recordings of his keynote speeches to the models, and the LLM provides specific feedback, including flagging distracting hand movements.

    Read the original article on Business Insider