• Are CSL shares a buy amid the company’s $500 million cost-cutting plans?

    Biotechnology spelt out on green blocks.

    Shares in the S&P/ASX 200 Index (ASX: XJO) biotech stock CSL Ltd (ASX: CSL) closed yesterday trading for $182.14.

    CSL shares remain down a sharp 35.32% in 2025. Taking a tiny bit of the sting out of those losses, the ASX 200 stock also trades on an unfranked 2.5% trailing dividend yield.

    As you’re likely aware, most of the share price losses followed the decidedly underwhelming release of the company’s full-year FY 2025 results on 19 August.

    Among the factors that saw investors overheating their sell buttons on the day, the company revealed plans to spin off CSL’s Seqirus segment – one of the world’s largest influenza vaccine businesses – into a separate ASX-listed company.

    That plan has since been put on hold until conditions in the slumping United States influenza vaccine market improve. But it remains on the table.

    Which brings us back to our headline question.

    Are CSL shares a good buy amid the cost-cutting program?

    MPC Markets’ Mark Gardner recently ran his slide rule over the ASX 200 biotech stock (courtesy of The Bull).

    “Uncertainty continues to surround this biopharmaceutical giant after the share price plunged following its 2025 results,” said Gardner, who has a hold recommendation on CSL shares.

    “It recently cut revenue and profit growth forecasts for fiscal year 2026. Its Seqirus influenza vaccines division is under pressure from a decline in vaccination rates in the US,” he added.

    Indeed, on 28 October, CSL shares plunged 15.9% when management reduced FY 2026 guidance.

    On 19 August, CSL had forecast that it would achieve full-year revenue growth (in constant currency) in the range of 4% to 5%. And guidance for net profit after tax before amortisation (NPATA) and excluding non-recurring restructuring costs was forecast to increase between 7% to 10%.

    Then on 29 October, investors punished the stock when management reduced full-year revenue growth guidance to the range of 2% to 3% as well as cutting NPATA growth guidance to 4% to 7%.

    But in issuing his hold recommendation, Gardner sees light at the end of the tunnel.

    He concluded:

    Plans to reduce fixed costs and enhance efficiencies were initially earmarked to save more than $500 million by fiscal year 2028. The company is undertaking a buy-back program of up to $750 million in fiscal year 2026.

    CSL shares have fallen from $271.32 on August 18 to trade at $178.82 on November 19.

    At these levels, we suggest holding CSL and monitor performance of a company that has a solid track record of performance over the longer term.

    The post Are CSL shares a buy amid the company’s $500 million cost-cutting plans? appeared first on The Motley Fool Australia.

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

    Before you buy CSL 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 CSL wasn’t one of them.

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

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

    * Returns as of 18 November 2025

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

  • A couple married for 54 years shares what keeps their marriage happy — including not having kids or pets

    Joy and Dan smiling for the camera. Joy in a blue butterfly button up and Dan in a yellow, blue, white striped polo.
    Joy (left) and Dan (right) Flynn say gratitude is one of the keys to their successful marriage.

    • Joy and Dan Flynn credit their 54-year marriage to simplicity and daily gratitude.
    • The couple chose not to have children or pets, focusing on shared activities and support.
    • They stay active with sports, community work, and mentoring, emphasizing gratitude and joy.

    Joy and Dan Flynn celebrated their 54-year anniversary on November 20. Having spent more than half a century together, the couple says their marriage works because they have kept life simple.

    The three keys to their success? No kids, no pets, and leading a life full of gratitude for one another.

    "Every day we're grateful for what we have," Dan told Business Insider's Sarah Andersen, who followed the athletic couple in August as they trained together for their next round of competitions, including the upcoming World Championships in South Korea:

    Joy acknowledges the great fulfillment that children can bring. "But kids, they cause tension sometimes and cause fights between couples," said Joy, who was 78 at the time of filming.

    As for pets, Joy jokes about having pet spiders, the tiny kind that scurry across the floor in her basement. However, that's the extent of their furry friends.

    "We have kept our lives extremely simple," Joy said.

    A life full of gratitude

    Joy and Dan in workout attire wearing champion medals.
    Joy and Dan competing in Finland.

    The pair met in the Hamptons in 1968. It was Dan's first time visiting New York. Joy was involved with another man, but he was leaving for Mexico to pursue a career as a doctor.

    Dan thought Joy was beautiful from the moment he first laid eyes on her. Joy took notice after learning that Dan's birthday was the same day as hers.

    "I figured anybody who has my birthday can't be all bad. And so it was true. He is not all bad," she said.

    They've basically been inseparable since.

    Joy and Dan working out together passing a soccer ball back and forth.
    Dan and Joy training together.

    "We've been very fortunate. We tend to do everything together," said Dan, who was 79 at the time of filming.

    Over the years, they've played tennis, skied, golfed, and competed in track and field at national and world championships together.

    Their gratitude for each other is the final key ingredient to their long-lasting, successful marriage.

    "We never ever take it for granted," Joy said. "We thank each other for everything. So if I'm doing the dishes, Dan thanks me. If he's doing the dishes, I thank him."

    Filling each day with joy

    Joy said their choice to live without children or pets has helped them focus on living a life they enjoy each day.

    Joy and Dan on a boat with Joy holding a gold medal.
    Dan and Joy in Finland.

    Dan still works. He's a commercial real estate broker. When he's not at work, the couple fills their time with training, traveling, entertaining, hosting dinner parties, and volunteering in the community.

    Most mornings, they wake up early to exercise together. Later, they'll practice for track meets, doing CrossFit, sprint work, and jumps.

    Joy said she wouldn't be in track and field if it weren't for Dan and their CrossFit trainer. She'd watched Dan do track and field for a couple of years when, one day, he said she should try it. Turns out, she's extremely good at it.

    Joy jumping through the air.
    Joy jumping in mid-air.

    While she hasn't counted them all, Joy estimates that she has amassed about 120 medals over the last eight years, having won multiple gold medals in the long jump, high jump, triple jump, 100-meter dash, and the 4 x 100m relay.

    Dan said he's earned about 60 medals in the same time period and won gold in the long jump and triple jump.

    Joy also enjoys volunteering at her church, working at the Garden Club of America and the Westhampton Garden Club in Long Island, and reading to inmates at the local county correctional facility.

    She helped get April recognized as Native Plant Month in New York, and helped place restrictions on neonicitinoids (pesticides) in the state.

    Dan serves on the Suffolk County Planning Commission and joins Joy on trips to Washington, D.C. to help with campaigns for local candidates whom they support.

    Despite not having kids, Joy and Dan, for the past 17 years, have been mentoring and helping raise three children through a Catholic charity program that supports Latino families on Long Island. They've helped provide everything from tutoring and swimming lessons to attending school meetings.

    Their ultimate goal is simply to stay busy and engaged.

    "The more you are exposed to the world, the better your odds are, the better things are going to be for you," Dan said.

    Joy added, "When you have too much time on your hands, that's when you start focusing on your aches and pains. Just get out and do things."

    Read the original article on Business Insider
  • I tried Martha Stewart’s and Ina Garten’s baked mac and cheese recipes, and one was perfect for Thanksgiving

    martha stewart and ina garten baked mac and cheese
    Martha Stewart and Ina Garten both have recipes for baked mac and cheese, so I put them to the test.

    Thanksgiving is around the corner, and a gooey dish of baked mac and cheese could be just the thing to impress your guests.

    Both Martha Stewart and Ina Garten have recipes for baked mac and cheese, so I decided to see which is worthy of gracing your Thanksgiving table. While the recipes were similar, one was a little cheaper and packed a lot more flavor.

    Beyond the chefs' baked mac and cheese recipes, they have other recipes perfect for Thanksgiving, including Garten's overnight mac and cheese, cornbread, and stuffing.

    Here's how to make Garten and Stewart's recipes for baked mac and cheese, and which one is better.

    Up first was Martha Stewart's creamy mac and cheese.
    martha stewart mac and cheese ingredients
    The ingredients for Martha Stewart's creamy macaroni and cheese.

    Although Martha Stewart's and Ina Garten's recipes are similar, the biggest difference between them is that Stewart calls for four different kinds of cheese and adds sautéed onion to the dish.

    You can find the full recipe here.

    I started by melting a few tablespoons of unsalted butter in a pot on the stove.
    butter melting in a pot on the stove

    I chose a midsize pot to make the cheese sauce in. 

    While the butter was melting, I chopped some yellow onion.
    a quarter cup of chopped yellow onion
    A quarter cup of chopped yellow onion.

    The recipe calls for ¼ cup of diced yellow onion.

    After the butter had melted, I added the yellow onion to the pot and gave it a stir. The smell of butter and onions quickly filled my kitchen.
    onions and butter in a yellow pot on a stove
    Onions and butter in a yellow pot on a stove.

    The recipe says to sauté the onions until they become translucent, which should take about five minutes. 

    While the onions were cooking, I set about the somewhat grueling task of grating all the cheeses.
    shredded cheeses
    Shredded cheeses.

    It took considerable effort to hand-grate the cheeses. It was also difficult to measure out each cheese exactly, so I ended up guestimating somewhat.

    However, in the end, I had the right amount of each cheese to make the sauce, plus some cheese left over to sprinkle on top of the mac and cheese before baking it in the oven. 

    Next, I cooked the macaroni noodles.
    cooked macaroni noodles in a colander
    Cooked macaroni noodles.

    It took about five minutes to cook the noodles, as they're supposed to be a little undercooked before going in the oven. 

    After the onions had become translucent, I added the flour.
    onions and butter mixed with flour on the stove
    Onions and butter mixed with flour on the stove.

    It quickly thickened the onions and butter mixture. Per the recipe's instructions, I stirred the onions, flour, and butter together and left it for a few seconds until the mixture began to bubble in the pot.

    I then added 3 cups of whole milk. The mixture was now starting to resemble a cheese sauce.
    cheese sauce with wooden spoon on the stove

    After a few minutes, the mixture had begun to thicken. 

    To finish the sauce, I added the four types of cheese — fontina, Gruyère, cheddar, and Parmigiano-Reggiano — and seasonings.
    cheese sauce in a pot on the stove

    After stirring the cheese sauce until all the ingredients were completely melted and combined, it was time to add it to the macaroni.

    By the time I poured the noodles into the larger pot and added the cheese sauce, I had been prepping and cooking for about an hour.
    macaroni mixed with cheese sauce

    However, the steps were easy to follow, and I was able to sit down once the mac and cheese was ready to be put in the oven.

    You can make the mac and cheese in individual pans or in a larger 1 1/2-quart baking dish.
    macaroni and cheese before being put in the oven

    After scooping my mac and cheese out of the pot and into the dish, I realized I had a lot left over. I could have easily filled another dish. 

    I then topped my mixture with breadcrumbs.
    macaroni and cheese with breadcrumbs before being put in the oven

    You can use homemade breadcrumbs per the instructions from the slow-cooker version, or you can use store-bought in a pinch.

    I didn't have a food processor available to make homemade breadcrumbs, but I found that the store-bought kind didn't negatively affect my end result. I was happy to cut out a step and save myself some dishes.

    After 30 minutes in the oven, my mac and cheese was done, and it was delicious.
    finished mac and cheese in a pyrex dish

    The top layer of mac and cheese had a delicious, lightly browned crust, while the mac and cheese underneath remained perfectly creamy. It was enough to feed about four people, though I could have fed more if I had more dishes to bake the rest of the leftover macaroni.

    This mac and cheese was really flavorful, with a slightly smoky taste.

    Ina Garten's recipe for baked mac and cheese calls for fewer ingredients.
    ingredients for ina garten macaroni and cheese
    The ingredients for Ina Garten's macaroni and cheese.

    The recipe only uses two types of cheese — extra-sharp cheddar and Gruyere — making this recipe a little less time-consuming and expensive to make. Perhaps to make up for less cheese, the recipe uses more butter and milk than Martha Stewart's version.

    You can find the full recipe here.

    The recipe calls for a whopping 8 tablespoons of unsalted butter.
    butter melting in a pot on the stove
    The butter melted in a pot on the stove.

    Two tablespoons are reserved for the end, so you start by melting 6 tablespoons in a pot on the stove. It's important to melt it at a low heat — you don't want the butter to burn or boil.

    While the butter was melting, I started boiling the pasta.
    macaroni boiling in a yellow pot
    The macaroni boiling.

    The recipe calls for a pound of macaroni or cavatappi pasta. The chef also recommends adding oil to the pot of boiling water, which prevents the pasta from sticking.

    While this recipe does call for fewer ingredients, it does require an extra pot.
    flour and butter mixture
    The flour and butter mixture.

    After the butter had melted, I added ½ cup of all-purpose flour. The key is to whisk the mixture until it is smooth and has no clumps.

    Meanwhile, in a separate pot, I began heating a quart of milk.

    I then added the hot milk to the flour and butter mixture.
    macaroni and cheese sauce in a yellow pot on the stove
    Cheese sauce on the stove.

    The next step was to whisk the ingredients until they were fully combined.

    While the mixture was off the heat, I started grating my extra-sharp white cheddar cheese. The recipe calls for 8 ounces, which turned out to be the entire package. It took a while to grate, so I was thankful that I had bought pre-grated Gruyére cheese.

    After adding the two kinds of cheese, my sauce began to thicken.
    cheese sauce on the stove
    The cheese sauce thickened after adding the cheese.

    I seasoned the pot of cheese sauce with nutmeg, salt, and pepper. Ina Garten's recipe uses similar seasonings to Stewart's, except for the addition of cayenne pepper, which Stewart does not use.

    Garten recommends boiling the noodles fully before putting them in the oven, rather than leaving them slightly al dente.
    macaroni mixed with cheese sauce and a wooden spoon
    The macaroni and cheese in a pot.

    This was another slight difference between the two recipes.

    After my noodles were cooked, I poured the cheese sauce over them and mixed everything with a wooden spoon.

    The cheese sauce in the Garten recipe was slightly thicker and had a distinct cheese pull.
    macaroni mixed with cheese sauce and a wooden spoon
    The macaroni and cheese in a pot.

    I scooped the mixture into a baking dish and waited for the oven to finish pre-heating to 375 degrees Fahrenheit. 

    Garten recommends topping the mac and cheese with breadcrumbs and tomato slices before putting it in the oven.
    the finished ina garten macaroni and cheese
    The finished Ina Garten macaroni and cheese.

    I made one side of my dish with tomatoes and one without, so I could see which one I preferred.

    The recipe calls for homemade breadcrumbs, but I opted to use the same store-bought ones I used in the Martha Stewart version for the sake of a fair comparison.

    After about half an hour, the mac and cheese was bubbling and browned on the top. The dish smelled heavenly.
    the finished ina garten macaroni and cheese
    The finished Ina Garten macaroni and cheese.

    The tomatoes were slightly roasted.

    I thought the tomatoes took this mac and cheese dish to the next level, but the Martha Stewart recipe was much cheesier.
    the finished ina garten macaroni and cheese
    The finished Ina Garten macaroni and cheese.

    The Ina Garten version tasted like an adult-friendly version of a childhood favorite, while the Martha Stewart version was more classic.

    The tomatoes added tart flavor to the dish and a unique texture, but I was torn over which I preferred.

    Both recipes have their high points, but I couldn't ignore the fact that Ina Garten's recipe was cheaper, as I only needed two kinds of cheese. It was also dramatically easier to make. With the Stewart version, I had to prep onions and grate four kinds of cheese, for not that much more flavor in the end.

    If I were to choose which one to make again, I would opt for the Ina Garten mac and cheese recipe. I enjoyed the addition of the tomatoes and thought they'd pair well with other Thanksgiving foods.

    However, if tomatoes and stuffing don't sound good together, you can always leave them out — the dish is still great without them.

    Read the original article on Business Insider
  • Holiday shopping season: Spending tips, gift ideas, and retail trends

    Shopping cart with a large gift, a long receipt, and surrounding presents.

    The holiday season doesn't have to be stressful. With a little planning, it can be a season of joy, giving, and smart saving.

    Business Insider's story collection, "Spotlight: Holiday shopping season," covers the busiest retail stretch of the year, offering an inside look at the brands, spending tips, and shopping news you need to know.

    We'll cover key holiday shopping moments, like Thanksgiving weekend, Small Business Saturday, Travel Tuesday, and Christmas.

    Through curated gift ideas, on-the-ground shopping experiences, and retail updates, this destination is your online companion as you navigate the holiday season.

    Check out the articles below for shopping updates and follow along for more coverage throughout the winter season.


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  • Nvidia says it’s ‘delighted by Google’s success’ — but ‘Nvidia is a generation ahead of the industry’

    Jensen Huang speaks during an event
    Nvidia CEO Jensen Huang has overseen a rocky month for the company.

    • Nvidia tried to tamp down fears of Google coming for its chip business.
    • A report of Google talking with Meta about chips for its data center sent Nvidia shares falling.
    • "NVIDIA is a generation ahead of the industry," the company said in a statement.

    Nvidia brushed off concerns that Google is coming for its crown.

    "NVIDIA is a generation ahead of the industry — it's the only platform that runs every AI model and does it everywhere computing is done," the company said in a statement posted on X.

    The chipmaker's comments followed a report that Meta is discussing plans with Google to potentially spend billions on the tech giant's chips to power Meta's data centers. Shares of Nvidia went tumbling after The Information report. As of early Tuesday afternoon, Nvidia was trading down over 3% on the day.

    "We're delighted by Google's success — they've made great advances in AI and we continue to supply to Google," Nvidia said in the statement.

    In response, Google said it was committed to supporting both chips.

    "We are experiencing accelerating demand for both our custom TPUs and Nvidia GPUs; we are committed to supporting both, as we have for years," a Google spokesperson said in a statement.

    Google continues to make strides in the AI race. The recent launch of Gemini 3 drew some positive reviews. Unlike many of its rivals, Google has a "full-stack" advantage, which enables it to control the entire process, from AI research to its cloud, which hosts its models.

    In contrast, Nvidia has experienced a rocky couple of weeks. The world's largest company by market cap reported blockbuster earnings for the third quarter, which initially calmed market-wide fears of an AI bubble, only for those lingering doubts to creep back in.

    Read the original article on Business Insider
  • Gen Z and boomer shoppers are upping their holiday spending budgets despite a tough economy

    Exhausted Christmas shoppers on Black Friday taking a break on massage chairs at Westfield Santa Anita in Arcadia Friday, November 27, 2015.
    Exhausted Christmas shoppers on Black Friday taking a break on massage chairs at Westfield Santa Anita in Arcadia Friday, November 27, 2015.

    • Shoppers have upped their holiday shopping budgets since this summer, according to a PwC survey.
    • Baby boomers and Gen Z are leading the increase.
    • The results constitute a rosier outlook than many retailers had going into the fall.

    Maybe this holiday season won't be so lean after all.

    Despite early predictions that shoppers would cut spending as they bought gifts this year, a PwC report released Tuesday shows that consumers have upped their spending plans by 7% since June.

    PwC's Holiday Sentiment survey, conducted by the Big Four firm in October, shows that shoppers plan to spend an average of $770 on gifts this year. In PwC's June Holiday Outlook survey, that amount was $721.

    The increase contrasts with predictions earlier this year from some analysts and retailers that shoppers would hold back on spending, potentially making this one of the slowest holiday shopping seasons in years.

    "This is the tension defining the 2025 holiday season: consumers said they were holding back — but their actual spend since we
    conducted our Holiday Outlook survey suggests otherwise," the report reads.

    "In other words, we're seeing a classic 'say-do gap,'" it says.

    The oldest and youngest shoppers appear to be powering the increase. Baby boomer respondents said that they plan to spend an average of $858 this holiday season, up from $671 in June, while Gen Z shoppers upped their planned spending to $622 from $586.

    Millennials plan to spend less — $843 versus $921 in June — while Gen X respondents had averaged $679 in the latest survey, down from $705.

    Going into the holiday shopping season, the National Retail Federation said that this holiday season would be the first holiday season with $1 trillion in spending. At the same time, the trade group said it expects sales growth to be below last year's 4.3% rate. EMARKETER, meanwhile, expects holiday retail sales to grow 3.6% this year. (EMARKETER is a sister company to Business Insider.)

    As the holidays approach, chains from McDonald's to Home Depot have warned that middle-income consumers are cutting back on spending.

    Yet other retailers have expressed optimism about holiday spending at their stores.

    Walmart executives have pointed to strong results from smaller shopping events, such as the back-to-school season and Halloween, as evidence that shoppers are still willing to spend on special occasions — as long as they can get decent value for their money.

    And Dollar General has said that it is focusing on low-priced items, including many that cost $1, going into the holidays.

    If shoppers do indeed spend more this holiday season, the report said it could come at the expense of their spending in the first quarter of the new year, which is historically a slow time for retail sales.

    "When it comes to the holidays, people are willing to stretch their budgets, even if it means cutting back in January," the report reads.

    Read the original article on Business Insider
  • 5 reasons Google is having a moment

    Sundar Pichai
    Sundar Pichai has completed a major turnaround in the AI race.

    • Google's Gemini 3 AI model has helped fuel a major turnaround for the company.
    • But it's not the only thing that has put the company and its stock on an absolute tear.
    • Its custom chips, antitrust win, and backing from Warren Buffett have all strengthened its position.

    Google is on a tear right now — but its success in the AI race wasn't always guaranteed.

    In late 2022, OpenAI captured the moment with the release of ChatGPT. After a number of fumbles as Google struggled to get its own chatbot out the door, some of the closest Google watchers were calling for CEO Sundar Pichai to step down.

    Nearly three years later, Google has performed a miraculous turnaround. Its new AI model, Gemini 3, is proving such a win that Marc Benioff said he's switching from ChatGPT. Google has just surpassed Microsoft's market cap and is on its way to a $4 trillion status. Its stock price is up nearly 70% this year.

    Line chart

    It's a signal that Google — which has always held the various pieces to compete — has finally got everything working in harmony, all the way from the models up to the platforms like Search that put them in users' hands.

    In the fast-moving AI race, no victory is secure — but Google has never looked stronger. Here's why.

    1. Gemini 3 is a hit
    Google DeepMind CEO Demis Hassabis.
    Google DeepMind CEO Demis Hassabis.

    Gemini 3 rolled out to the public last week with rave reviews. It outperforms its predecessor in coding, design, and analysis, and surpasses competing models in benchmark tests. As we at Business Insider discovered, it's highly adept at designing websites and basic video games, giving it broader use beyond coding.

    The new model has allayed some fears that Google was too far behind rivals and that scaling laws — rules that say AI models improve with more data and compute — were slowing down. The company's stock price has increased by more than 12% since the rollout of Gemini 3 on November 18.

    2. When the chips are up
    Google Cloud

    Google has spent over a decade developing its own chips for internal use. Known as Tensor Processing Units (TPUs), Google has used these chips to train its Gemini models. That's a great advertisement as Google hopes more companies will adopt the chips for their own models.

    Google sells access to its TPUs through its cloud business and has made a significant internal push in recent months to attract more customers. That could pose a long-term threat to Nvidia's business. Google is currently in discussions for a blockbuster deal with Meta worth billions of dollars, which would potentially host some of Google's chips in one of Meta's own data centers, according to a person familiar with the discussions. The Information first reported on the arrangement, which sent the shares of chip companies like AMD and Nvidia tumbling on Tuesday.

    3. Google's monopoly win
    Google CEO Sundar Pichai

    In September, a federal judge handed down penalties for an antitrust lawsuit brought against Google's search business in 2020. Those penalties, which threatened to tear up Google's lucrative search empire, amounted to little more than a slap on the wrist. Google was told it could continue making payments to partners such as Apple for default status, but could not do so exclusively. It was also ordered to share some search data with rivals.

    At one point, Google's Chrome browser was on the chopping block, which could have severed a crucial part of Google's search-advertising flywheel. Despite the judge ruling that Google had acted as a monopoly, the company came away relatively unscathed.

    4. Warren Buffett takes a stake
    Warren Buffett
    Warren Buffett, the CEO of Berkshire Hathaway.

    Warren Buffett's Berkshire Hathaway built a $4.3 billion stake in Google parent company Alphabet last quarter, a regulatory filing revealed. That's notable for two reasons. Other than Apple, Buffett has tended to avoid tech stocks. He has also historically avoided expensive, high-growth companies.

    As Buffett prepares to step back as CEO, the decision to finally bet on Google — something he said he wished he'd done long ago — suggests strong confidence in the search giant.

    5. Search is surviving its AI makeover… so far
    Google Search head Liz Reid

    Google's core moneymaker is still search advertising, and one of the big investor fears has been how Google's self-disruption might hurt its cash cow. Not a lot, apparently: Search revenues jumped 15% in the third quarter, suggesting that even if AI is hurting some websites' traffic, it's not harming Google's business.

    In fact, Google says generative AI is causing people to search more than ever. The company is currently testing ads in AI Mode, its chatbot-like version of search that is gradually feeling like less of an experiment and more like Google's vision for how search will eventually work.

    Read the original article on Business Insider
  • A 55-year-old health founder shared 55 reasons he feels his fittest, sharpest, and happiest. 5 tips could add 10 years to your life.

    Kevin Dahlstrom pictured bouldering.
    Kevin Dahlstrom bouldering.

    • A 55-year-old health business founder marked his 55th birthday by sharing 55 reasons he feels healthy.
    • Kevin Dahlstrom's viral X post promoted quality sleep and strong social connections.
    • Dahlstrom told Business Insider his health has been his priority since he fell ill in his 20s.

    A health founder marked his 55th birthday by sharing 55 reasons he believes he's his "fittest, sharpest, and happiest" — but you probably only need to follow five to improve your health.

    Kevin Dahlstrom, the founder of Bolt. Health, an online testosterone replacement therapy clinic based in Colorado, shared his advice in an X post on Monday. It amassed 4.1 million views and was reposted by Bill Ackman.

    In the post, Dahlstrom said that his vitality wasn't down to a secret formula or winning the DNA lottery, but "a million tiny choices, compounded over decades."

    While factors such as our genetics and environment play a role in how long we live, research suggests lifestyle factors are also hugely important.

    Stacy L. Andersen, co-director of the New England Centenarian Study and an associate professor at Boston University Chobanian and Avedisian School of Medicine, boiled Dahlstrom's tips into five must-follows.

    She told Business Insider via email: "These tips point to what has been seen in many scientific studies — healthy behaviors such as maintaining an ideal body weight, keeping moving, eating a high-quality diet, getting enough sleep, and keeping your brain active are the best ways to optimize your aging.

    "Moreover, evidence shows that doing all of these together can add 10 years to your life!"

    Dahlstrom told Business Insider via email Tuesday that his health and fitness have been a priority since his 20s, when he experienced chronic illness, and the list is a result of what he's learned over time.

    "Birthdays (especially after the age of 50) are a good time to reflect on life," he said.

    Here are five of Dahlstrom's tips that are science-backed.

    1. Walk around 5,000 steps a day

    Dahlstrom walks upward of 15,000 miles a week, or approximately 2.5 miles a day. "It's critical to longevity," he said.

    If you break it down, that adds up to around 5,000 steps a day, half the famous, and arbitrary, 10,000 steps recommendation that originated in a Japanese marketing campaign.

    But research does link walking daily to healthy aging. One study published October in the American Journal of Preventive Medicine found that people who walked for 15 minutes a day at a fast pace were 20% less likely to die early.

    2. Take exercise and mobility seriously

    While Dahlstrom's recommendation to get "hardcore" about mobility and exercise may not work for everyone, being active is crucial to aging well.

    One 2022 study published in the British Journal of Sports Medicine found that of the 99,713 participants aged 55 to 74, those who did regular aerobic exercise and strength training were 41% less likely to die from any cause a decade later.

    Business Insider previously reported that making a workout routine fun and talking to close friends and family about it helped people stay consistent for three years in a study.

    3. Find your purpose

    Andersen said the New England Centenarian Study has shown that longevity is associated with greater feelings of purpose in life, while other studies have found that it is also related to a lower risk of dementia and resilience to Alzheimer's disease.

    "Filling your day with activities that are meaningful to you and having things that you want to accomplish keep you invigorated and engaged in life," she said. Referring to Dahlstrom's list she added: "Finding hobbies (#21) and being a lifelong learner (#41) are great ways to also find purpose!"

    A stock image of a couple riding bikes outdoors.
    Keeping active is linked to longevity.

    4. Get 8 hours of quality sleep each night

    Getting enough sleep is crucial for our health. Adults should aim to sleep for between 7 and 9 hours per night, according to the Centers for Disease Control and Prevention.

    Anything less can have a negative impact on health over time. In one 2022 study published in PLOS Medicine involving over 10,000 British civil servants, those who reported getting less than five hours of sleep a night at the age of 50 had a higher risk of developing chronic diseases, such as cardiovascular disease and cancer, and dying from long-term health conditions.

    5. Stop drinking alcohol

    Drinking alcohol regularly increases your risk of chronic disease and impacts almost every organ in the body. Experts increasingly agree there is no safe amount to drink.

    The previous US Surgeon General, Dr. Vivek Murthy, published a report in January 2025 warning of the links between alcohol and cancer risk.

    Don't blindly follow health advice online

    Some of Dahlstrom's tips aren't in line with evidence-based health advice, for instance: "avoid mainstream medicine except as a last resort" and "don't take antibiotics except in emergency situations."

    Dr. Kurt Hong, a professor of clinical medicine at the University of Southern California, told Business Insider via email that while antibiotic overuse is "very real" and can impact the gut microbiome, patients only using them in situations they deem an "emergency" is "dangerous."

    Hong added that while functional and integrative health can be helpful, one should not avoid mainstream medical practices such as preventive care, cancer screenings, and vaccinations. "This is a dangerous recommendation by the author," he said.

    And while research indicates psychedelic drugs could be used to treat chronic mental illness in a controlled, clinical setting, Hong said Dahlstrom's recommendation to "try psychedelics" is dangerous, particularly for patients with mental health issues, which can be worsened with psychedelics, such as PTSD, depression, and bipolar.

    Dahlstrom's said: "I believe that everyone should take responsibility for their own health and make their own decisions. The mainstream medical system is fantastic for acute illness and injury, but equally bad at chronic illness."

    Read the original article on Business Insider
  • No savings at 55? Here’s how to still retire with passive income

    comparing bank savings to investing in asx shares represented by sad man turning out empty wallet

    Reaching your mid-50s with little or no savings can feel like you’ve run out of time.

    But the truth is that it is not too late, not even close.

    Even at 55, you still have a decade or more of working life ahead of you, and that is more than enough time to build a meaningful passive income stream. With the right approach, sensible risk management and a focus on quality investments, it is entirely possible to retire with real financial breathing room.

    Here’s how a late-start investment plan can come together.

    Start by growing your capital base

    Many people reaching their mid-50s assume they should immediately chase high-yielding stocks. But that can be a trap, especially if your portfolio is still small.

    Early on, the focus should be on growth, not income. Bigger capital leads to bigger future income, and the fastest path to growing that capital is by investing in high-quality ASX growth shares and broad-based ETFs.

    Companies like TechnologyOne Ltd (ASX: TNE), ResMed Inc (ASX: RMD) or NextDC Ltd (ASX: NXT) have delivered years of compounding growth. And global ETFs such as the Betashares Nasdaq 100 ETF (ASX: NDQ) and the Vanguard MSCI Index International Shares ETF (ASX: VGS) have done the same by providing exposure to some of the world’s biggest companies.

    Even modest weekly contributions in shares and funds like these could add up quickly when your money compounds at an average of 10% per year over a decade.

    For example, $1,000 a month would turn into $270,000 in 12 years, and $2,500 a month would become $675,000 over the same period.

    Transition toward high-quality income

    Once your portfolio has gained real size, you can start shifting the focus toward income-producing assets. This is the stage where reliable ASX dividend shares and income ETFs earn their place.

    Businesses like Coles Group Ltd (ASX: COL), Transurban Group (ASX: TCL) and APA Group (ASX: APA) have long histories of delivering sustainable, growing income streams. At a 5% average dividend yield, a $270,000 portfolio can generate around $13,500 a year before franking credits and a $675,000 portfolio would pull in passive income of $33,750 a year.

    Foolish takeaway

    Having no savings at 55 isn’t a dead end, it is a starting line. With 12 years of smart investing, a focus on high-quality growth first, and a gradual shift toward dividend income, you can still build a portfolio that supports a comfortable retirement.

    It won’t happen overnight, but with consistency and patience, passive income is absolutely within reach, no matter when you begin.

    The post No savings at 55? Here’s how to still retire with passive income appeared first on The Motley Fool Australia.

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

    Before you buy APA 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 APA 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

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    Motley Fool contributor James Mickleboro has positions in BetaShares Nasdaq 100 ETF, Nextdc, ResMed, and Technology One. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended BetaShares Nasdaq 100 ETF, ResMed, Technology One, and Transurban Group. The Motley Fool Australia has positions in and has recommended Apa Group, BetaShares Nasdaq 100 ETF, ResMed, and Transurban Group. The Motley Fool Australia has recommended Technology One and Vanguard Msci Index International Shares ETF. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • Safe, routine, ready: Does that spell the end for Tesla’s run-up?

    A woman in jeans and a casual jumper leans on her car and looks seriously at her mobile phone while her vehicle is charged at an electic vehicle recharging station.

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

    Key Points

    • Waymo has long posted steady and safe driving records although with slower expansion rates.
    • Now Waymo is gearing up to rapidly enter five new cities in the U.S. market.
    • Tesla hopes to remove its safety monitor and go full driverless by year-end.

    Tesla (NASDAQ: TSLA) shares have been on a wild ride in 2025 with investors engaged in a tug of war of sorts, between bears and bulls. The bears base their position in reality, a reality where Tesla sales and profits are in decline and its vehicle lineup is aging. The bulls base their position in a potentially lucrative future based around artificial intelligence (AI), robotics, and robotaxis. Right now, the bulls are winning with Tesla stock up 28% over the past three months, but here’s why investors might want to pump the brakes a bit.

    Coming to a city near you

    “Safe, routine, ready: Autonomous driving in new cities” are the words that should have Tesla investors pumping the brakes on the potentially lucrative future they envisioned for the electric vehicle (EV) maker. That’s because direct competitor Waymo is shifting its expansion into a higher gear: “We’ve built a generalizable Driver, powered by Waymo’s demonstrably safe AI, and an operational playbook to reliably achieve this milestone,” said Tekedra Mawakana, Waymo’s co-CEO, on the expansion, according to Electrek.

    This week, Waymo announced fully autonomous driving in five new cities: Miami, Dallas, Houston, San Antonio, and Orlando. Operations started in Miami this week and will begin in the remaining four cities in the coming weeks, although it’s important to note that doors for riders won’t open until next year. This goes with Waymo’s recent playbook to test for a few months before opening the app to the public.

    Playing catch up

    It’s also important for investors to grasp the lead that Waymo may have developed over the past few years. For instance, Tesla is currently testing its initial robotaxi operations in Austin, Texas, with roughly 30 robotaxis in operation and plans to expand the fleet to about 500 by the end of the year. Tesla is still using a safety monitor, which Waymo removed in 2020, but has plans to transition to fully driverless operation by the end of the year. 

    The five new cities that Waymo is entering will bring its total city count to 10 at a time when Tesla just announced it obtained a permit to operate a ride-hailing service in Arizona. It’s definitely a step forward for Tesla, although additional permits will be required before the automaker can operate a full robotaxi service in the state. When Tesla enters the Phoenix, Arizona market next year, it will already trail Waymo’s operations in the city, which boasts at least 400 autonomous vehicles. In fact, Waymo said it has already surpassed 10 million driverless trips served to riders across its U.S. operations.

    Despite Tesla playing catch up to rival Waymo, Tesla investors have some reason to be optimistic. Tesla could very well develop a competitive advantage in scaling a robotaxi business thanks to access to a plethora of Tesla vehicles on the road and its production capacity. Furthermore, Tesla’s strategic rollout could be more scalable as the company is relying on a camera-based system rather than LiDAR and radar, which competitors are using.

    What it all means

    Tesla shareholders also made it clear where they want CEO Elon Musk’s focus. Musk’s new compensation package, worth up to $1 trillion, was approved by 75% of voters but with milestones tied to future endeavors. Musk will still have to build cars for some of his rewards, have 1 million robotaxis in commercial operation, 1 million Optimus robots, and 10 million Full Self-Driving subscriptions. These goals suggest the company is pivoting its core business from automotive manufacturer to a more tech-centric company.

    Tesla’s best days may very well be ahead of it. It’s already proven many naysayers wrong by making it this far, but it’s important for investors to pump the brakes on robotaxi hype, because not only is Tesla playing catch up to Waymo; the future of robotaxis is more uncertain thanks to evolving regulations, lawsuits, and safety concerns. Investors need to understand what company they’re investing in moving forward, given Tesla’s lofty valuation and price-to-earnings (P/E) ratio approaching 300 times, and a market capitalization more than 10 times Ford and GM combined.

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

    The post Safe, routine, ready: Does that spell the end for Tesla’s run-up? appeared first on The Motley Fool Australia.

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

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

    Before you buy Tesla 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 Tesla wasn’t one of them.

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

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

    * Returns as of 18 November 2025

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

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    Daniel Miller has positions in Ford Motor Company and General Motors. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Tesla. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has recommended General Motors. 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.