• My husband died in the middle of launching a business. I pivoted my career at 55 to take over, and it’s helped with my grief.

    Jacqueline Gathers
    • Jacqueline Gathers is a home inspector and owner of a Pillar to Post franchise in Brooklyn.
    • She worked for New York City for 30 years and had no interest in entrepreneurship.
    • When her husband died at the age of 55, Jacqueline became a home inspector.

    This as-told-to essay is based on a conversation with Jacqueline Gathers, owner of JS Gathers Pillar to Post Home Inspectors franchise. It has been edited for length and clarity.

    I'm a third-generation civil servant. I spent 30 years at the New York City Housing Authority. I enjoyed the work and felt that I was helping people find safe and affordable housing.

    When I first joined the Housing Authority back in the '80s, my dad insisted I sign up for early retirement. At the time, the extra contributions to my pension seemed expensive, but my dad assured me the investment was worthwhile. A lot could change between 55 and 62, he said, and being able to retire early would give me choices.

    He was so right. Decades later, that decision allowed me to take early retirement in order to be home with my husband, Joseph, as he fought brain cancer. Joseph died when he was 58, and I was 55.

    When my husband died, I considered selling our franchise back

    A little more than a year before he died, Joseph said he wanted to take me into the city. I thought it was a date night, but when I came out in my heels, he told me to put on something more comfortable.

    Turns out, he wasn't taking me to a fancy dinner: we were going to the franchise expo. That's when Joseph dropped the bomb that he wanted to purchase a franchise. I said OK, but I wasn't particularly interested. I didn't have any plans to be involved.

    Joseph researched Pillar to Post, a home inspection company, and underwent training with the organization. But before he could open the franchise, he died. The company offered to repurchase our franchise. I was tempted, but then I thought about how hard Joseph had worked to prepare the business. I decided to launch it in his legacy.

    It took time to build a business as a Black female inspector

    That's when things got scary. I had retired from the Housing Authority, but I knew nothing about home inspections. I had to train with Pillar and Post and obtain a license from the state of New York.

    Most home inspectors don't look like me. That became abundantly clear when I tried to work in Staten Island and other areas known for their racial tension. I wasn't well received there. However, when I expanded into more diverse areas of the city, such as Flatbush, Brownsville, and East New York, business picked up.

    I initially got to work when other inspectors didn't show up. In those situations, my customer service skills from the Housing Authority helped me stand out from the crowd. Plus, people saw I knew what I was talking about. Before long, people were asking for "that Black lady inspector in Brooklyn."

    I found my niche with first-time buyers

    During the first year, I would go to work, then come home and cry. The business was a huge distraction and gave me a reason to get up every day, but my grief was raw, and the tears were never far. Eventually, I started crying less and focusing more on business.

    Today, it's been eight years since Joseph died, and seven years since I launched the business. I've created a niche working with first-time homebuyers. I also work with educational nonprofits in the city.

    Particularly in my community, first-time buyers may be the first people in their family to ever own a property. They need guidance and a relationship that doesn't end once the sale closes. My clients can reach back out to me whenever they have questions about their homes.

    I've set an example for my kids

    Joseph and I always lived below our means and planned to travel in retirement. In addition to running the business — which still bears his name — I try to take two international trips in his honor each year. Our first grandchild was recently born in Guam, and I'm looking forward to spending time there.

    I'm surprised to find myself an entrepreneur at 64. I never imagined myself running a business, let alone one that's super successful. In doing so, I've set an example for my three kids: sometimes in life, you get curveballs, and you just have to keep pushing. There's something else waiting around the corner.

    Read the original article on Business Insider
  • 2 great ASX 200 blue-chip shares I’d buy right now

    Three excited business people cheer around a laptop in the office

    The best S&P/ASX 200 Index (ASX: XJO) blue-chip shares are capable of producing really strong returns. When we’re given the opportunity to invest in high-quality names at lower prices, it can be a great time to invest.

    Over time, it’s businesses that are growing their earnings at a faster pace that benefit the most from compounding.

    Amid recent volatility, there are a few names that look too good to miss, like the two below.

    Pinnacle Investment Management Group Ltd (ASX: PNI)

    Investing in Pinnacle can be a bit of a rollercoaster, as its short-term share price movements are correlated with the market. The company invests in a wide range of fund managers, each of whom generates earnings from the funds under management (FUM).

    The company takes minority stakes in these fund managers (affiliates). It helps them focus on investing by offering a wide array of administrative services, taking care of the behind-the-scenes tasks.

    Some of the fund managers that it’s invested in include Hyperion, Plato, Palisade, Resolution Capital, Solaris, Antipodes, Metrics, Spheria, Firetrail, Coolabah Capital, Aikya, Life Cycle and Pacific Asset Management.

    The Pinnacle share price has dropped by 34% between August and now, yet the most recent update we’ve heard from the ASX 200 blue-chip share was positive.

    In the first quarter of FY26, the business reported that its total affiliate FUM had reached $197.4 billion, representing a 10% increase from June 2025, with the majority of the growth driven by strong net inflows. Net inflows for the quarter amounted to $13.3 billion.

    I believe the ASX blue-chip stock now appear undervalued in terms of their long-term growth potential. According to the forecast on CMC Markets, it’s priced at 19x FY27’s estimated earnings.

    Xero Ltd (ASX: XRO)

    Xero is a leading cloud accounting business with a global presence across countries such as the UK, Australia, and New Zealand. It has ambitions to expand into other countries, such as Canada and the US, in particular.

    Painfully, the Xero share price is down almost 40% from its June 2025 high, so this is a great time to invest, in my opinion.

    The company still has incredibly loyal subscribers, with a churn rate of just 1% each year. Xero has managed to increase subscription fees in Australia, the UK, and New Zealand, which has helped drive several key metrics.

    In FY25, the business reported the average revenue per user (ARPU) increased 15% to $49.63, the total lifetime value of subscribers grew by 15% to $19.6 billion, operating revenue rose 20% to $1.19 billion, operating profit (EBITDA) grew 21% to $378 million, net profit after tax (NPAT) climbed 42% to $135 million and free cash flow jumped 54% to $321 million.

    With the recent Melio acquisition, the company is clearly aiming to increase its presence in the huge US market where there is strong competition. I don’t think it needs to succeed in the US to do well overall, particularly at this lower valuation.

    Following the significant valuation reversal, I think the ASX 200 blue-chip share looks like an attractive long-term buy.

    The post 2 great ASX 200 blue-chip shares I’d buy right now appeared first on The Motley Fool Australia.

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

    Before you buy Xero 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 Xero Limited wasn’t one of them.

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

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

    * Returns as of 18 November 2025

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

  • These are the 10 most shorted ASX shares

    A man holds his head in his hands, despairing at the bad result he's reading on his computer.

    At the start of each week, I like to look at ASIC’s short position report to find out which shares are being targeted by short sellers.

    This is because I believe it is well worth keeping a close eye on short interest levels as high levels can sometimes be a sign that something isn’t quite right with a company.

    With that in mind, here are the 10 most shorted shares on the ASX this week according to ASIC:

    • Boss Energy Ltd (ASX: BOE) continues to be the most shorted ASX share with short interest over 21.6%. This is up slightly week on week. Short sellers appear to believe that the uranium miner will disappoint with its production beyond 2026.
    • Domino’s Pizza Enterprises Ltd (ASX: DMP) has seen its short interest ease again to 16.9%. Short sellers have been closing positions after this pizza chain operator was the subject of takeover speculation.
    • Pilbara Minerals Ltd (ASX: PLS) has short interest of 12.8%, which is down week on week again. Many analysts believe that the lithium oversupply will be around for longer than expected.
    • Paladin Energy Ltd (ASX: PDN) has short interest of 12%, which is flat since last week. Short sellers appear to be expecting production ramp-up disappointment from this uranium miner.
    • IDP Education Ltd (ASX: IEL) has 11.9% of its shares held short, which is up week on week. This language testing and student placement company is struggling with unfavourable student visa changes.
    • Guzman Y Gomez Ltd (ASX: GYG) has short interest of 11.5%, which is down since last week. This burrito seller’s poor start to life in the United States market could be weighing on sentiment.
    • PWR Holdings Ltd (ASX: PWH) has short interest of 11.2%, which is up week on week. This motorsport products company’s shares have come under pressure as it goes through a lengthy transitional period.
    • Flight Centre Travel Group Ltd (ASX: FLT) has short interest of 11.1%, which is up since last week. Short sellers aren’t giving up on this travel agent despite it revealing a positive start to the year.
    • IPH Ltd (ASX: IPH) has joined the top ten with 10.8% of its shares held short. Weak trading conditions in the intellectual property services market could be behind this.
    • Polynovo Ltd (ASX: PNV) has short interest of 10.6%, which is down since last week. Short sellers don’t appear to believe this medical device company’s shares deserve their premium valuation.

    The post These are the 10 most shorted ASX shares appeared first on The Motley Fool Australia.

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

    Before you buy Pilbara Minerals 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 Pilbara Minerals Limited wasn’t one of them.

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

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

    * Returns as of 18 November 2025

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    Motley Fool contributor James Mickleboro has positions in Domino’s Pizza Enterprises. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Domino’s Pizza Enterprises, PWR Holdings, and PolyNovo. The Motley Fool Australia has positions in and has recommended PWR Holdings. The Motley Fool Australia has recommended Domino’s Pizza Enterprises, Flight Centre Travel Group, IPH Ltd , and PolyNovo. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • What’s driving a 9% divergence in ASX 200 consumer staples vs. discretionary shares?

    A couple in a supermarket laugh as they discuss which fruits and vegetables to buy

    ASX 200 consumer staples and consumer discretionary shares have dramatically diverged over the past month.

    The S&P/ASX 200 Consumer Discretionary Index (ASX: XDJ) has fallen 9.16% while the S&P/ASX 200 Consumer Staples Index (ASX: XSJ) has demonstrated resilience, rising 0.59% over the past four weeks.

    Broker Bell Potter says the pause in interest rate cuts amid potentially resurgent inflation has led to a sell-off in discretionary stocks.

    However, the broker expects a change in momentum as we enter the pre-Christmas retail period.

    ASX 200 consumer staples vs. discretionary shares

    Bell Direct market analyst, Sophia Mavridis said several factors had given consumer staples shares positive momentum in recent weeks.

    They include dairy sector price inflation rising 2% year-over-year in September to an 18-month high.

    There has also been sustained spending growth at Woolworths Group Ltd (ASX: WOW) and Coles Group Ltd (ASX: COL).

    Weakness in the New Zealand dollar is providing a foreign exchange tailwind for A2 Milk Company Ltd (ASX: A2M), which is now the consumer staples sector’s third largest business after 61% growth in its share price this year.

    Looking ahead to the silly season, Mavridis said the consumer discretionary sector is “showing some encouraging signs”.

    She noted spending in non-food categories rose 5% year-over-year in September.

    Additionally, the Westpac/Melbourne Institute Consumer Sentiment Index surged above its 100-point confidence baseline this month.

    That’s the first time it’s gone above 100 since the interest rate tightening cycle began in May 2022.

    The Consumer Sentiment Index rose 12.8% from 92.1 in October to 103.8 in November.

    Westpac analyst Matthew Hassan said this is a seven-year high excluding the COVID period.

    Mavridis said higher consumer confidence should be supportive in the upcoming trading season.

    This includes Black Friday at the end of November and the pre-Christmas shopping spree in December.

    Seasonality has prompted Bell Potter to change its key share picks in the ASX 200 consumer staples and discretionary sectors.

    Bell Potter’s top stock picks

    In the consumer staples arena, Bell Potter is focused on market leaders.

    The broker is positive on Woolworths shares, Endeavour Group Ltd (ASX: EDV), and Bega Cheese Ltd (ASX: BGA).

    Bell Potter also has a buy rating on rural services and agribusiness Elders Ltd (ASX: ELD).

    The Elders share price rose 8.61% to $7.57 last week after a strong FY25 report.

    Bell Potter sees more growth ahead for Elders shares with a 12-month price target of $9.45.

    In the discretionary sector, Bell Potter’s high conviction picks include Harvey Norman Holdings Ltd (ASX: HVN).

    Bell Potter also likes youth apparel retailer Universal Store Holdings Ltd (ASX: UNI) and footwear retailer Accent Group Ltd (ASX: AX1).

    It also has a buy rating on Aristocrat Leisure Ltd (ASX: ALL) with a share price target of $80.

    The post What’s driving a 9% divergence in ASX 200 consumer staples vs. discretionary shares? 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

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    Motley Fool contributor Bronwyn Allen has no position in any of the stocks mentioned. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has no position in any of the stocks mentioned. The Motley Fool Australia has positions in and has recommended Harvey Norman and Woolworths Group. The Motley Fool Australia has recommended Accent Group, Elders, and Universal Store. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • Should you buy Woolworths and these ASX dividend shares?

    A customer and shopper at the checkout of a supermarket.

    Are you on the lookout for some ASX dividend shares to buy for your income portfolio?

    If you are, then read on because listed below are three that broker currently rate as top buys. Here’s what you need to know about them:

    HomeCo Daily Needs REIT (ASX: HDN)

    HomeCo Daily Needs REIT could be a top pick according to analysts at UBS.

    It is a real estate investment trust that owns a diversified portfolio of convenience-based retail properties, including supermarkets, healthcare centres, and hardware stores. These are properties that tend to perform well regardless of economic conditions.

    It notes that its geographically diverse national footprint is 86% metro-located and exposed to markets with above average population growth. It has no exposure to department stores and minimal exposure to discretionary retail and fashion.

    Its three largest shareholders are Coles Group Ltd (ASX: COL), Wesfarmers Ltd (ASX: WES), and Woolworths.

    UBS believes the company is positioned to pay dividends per share of 8.6 cents in FY 2026 and then 8.7 cents in FY 2027. Based on its current share price of $1.32, this would mean dividend yields of 6.5% and 6.6%, respectively.

    UBS has a buy rating and $1.53 price target on its shares.

    Sonic Healthcare Ltd (ASX: SHL)

    Bell Potter has named Sonic Healthcare as an ASX dividend share to buy now.

    It is a medical diagnostics company that operates laboratories and collection centres across Australia, Europe, and the United States.

    After a tough period, Bell Potter thinks the company is ready for a return to consistent growth. It is expecting partially franked payouts of 109 cents per share in FY 2026 and then 111 cents per share in FY 2027. Based on its current share price of $23.09, this equates to dividend yields of 4.7% and 4.8%, respectively.

    Bell Potter has a buy rating and $33.30 price target on its shares.

    Woolworths Group Ltd (ASX: WOW)

    Finally, Woolworths could be a top ASX dividend share to buy right now.

    While the supermarket giant may not offer the largest dividend yield, it does have potential to grow strongly over the next decade as its earnings rebound and then return to steady growth.

    Bell Potter expects Woolworths to reward its shareholders with fully franked dividends of 91 cents per share in FY 2026 and then 100 cents per share in FY 2027. Based on its current share price of $28.08, this would mean dividend yields of 3.25% and 3.55%, respectively.

    Bell Potter currently has a buy rating and $30.70 price target on Woolworths’ shares.

    The post Should you buy Woolworths and these ASX dividend shares? appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Homeco Daily Needs REIT right now?

    Before you buy Homeco Daily Needs REIT 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 Homeco Daily Needs REIT 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 Woolworths Group. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Wesfarmers. The Motley Fool Australia has positions in and has recommended Woolworths Group. The Motley Fool Australia has recommended HomeCo Daily Needs REIT, Sonic Healthcare, and Wesfarmers. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • 5 things to watch on the ASX 200 on Monday

    Smiling man with phone in wheelchair watching stocks and trends on computer

    On Friday, the S&P/ASX 200 Index (ASX: XJO) once again finished the week deep in the red. The benchmark index sank 1.6% to 8,416.5 points.

    Will the market be able to bounce back from this on Monday? Here are five things to watch:

    ASX 200 expected to rebound

    The Australian share market looks set for a good start to the week following a positive finish to the last one on Wall Street. According to the latest SPI futures, the ASX 200 is expected to open the day 92 points or 1.1% higher. In the United States, the Dow Jones was up 1.1%, the S&P 500 rose 1%, and the Nasdaq pushed 0.9% higher.

    Oil prices drop

    It could be a poor start to the week for ASX 200 energy shares Santos Ltd (ASX: STO) and Woodside Energy Group Ltd (ASX: WDS) after oil prices dropped on Friday night. According to Bloomberg, the WTI crude oil price was down 1.6% to US$58.06 a barrel and the Brent crude oil price was down 1.3% to US$62.56 a barrel. This reflects optimism that Russia and Ukraine could soon sign a peace deal.

    Pro Medicus update

    Pro Medicus Ltd (ASX: PME) shares will be on watch today when the health imaging technology provider holds its annual general meeting. It is possible that the company will provide the market with a trading update ahead of the main event. Investors will no doubt be keen to see how quickly Pro Medicus is growing so far in FY 2026.

    Gold price rises

    ASX 200 gold shares Newmont Corporation (ASX: NEM) and Northern Star Resources Ltd (ASX: NST) could start the week higher after the gold price rose on Friday night. According to CNBC, the gold futures price was up 0.5% to US$4,116 an ounce. This was driven by increasing US rate cut bets in December.

    Buy WiseTech shares

    Bell Potter thinks that WiseTech Global Ltd (ASX: WTC) shares could offer 50%+ upside over the next 12 months. This morning, the broker has retained its buy rating on the logistics solutions technology company’s shares with a trimmed price target of $100.00. It said: “In FY26 we now forecast revenue and EBITDA of US$1.40bn and US$569m which is towards the lower end of the guidance range for the former and close to the middle for the latter. That is, we see more risk at revenue than EBITDA this year, particularly with the greater-than-usual revenue skew to H2. Any weakness or miss at revenue, however, we would expect to be offset by a stronger margin.”

    The post 5 things to watch on the ASX 200 on Monday appeared first on The Motley Fool Australia.

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

    Before you buy Newmont 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 Newmont 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 Pro Medicus, WiseTech Global, and Woodside Energy Group. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended WiseTech Global. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has recommended Pro Medicus. The Motley Fool Australia has positions in and has recommended WiseTech Global. The Motley Fool Australia has recommended Pro Medicus. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • Fei-Fei Li, the ‘Godmother of AI’ whose startup is now valued at north of $1 billion, got her start as a dry cleaner

    Fei-Fei Li
    Fei-Fei Li, Google's chief AI scientist at the company's Next conference.

    • Fei-Fei Li, founder of World Labs, immigrated to the US from China when she was 15.
    • She ran her family's dry-cleaning shop for seven years, helping her parents make ends meet.
    • She says the experience helps fuel her ambitions to build the future of AI.

    Every influential scientist has an origin story — and the "Godmother of AI" is no different.

    Fei-Fei Li, a Stanford professor best known for her work on ImageNet, is now the founder of World Labs, a one-year-old AI startup that's already valued at over $1 billion.

    Her start, however, was far more humble.

    Li immigrated to the United States from China at the age of 15 and helped her parents run a dry-cleaning business in Parsippany, New Jersey, to make ends meet.

    "We were not financially very well off at all. My parents were doing cashier jobs and I was doing Chinese restaurant jobs," she told Bloomberg in a Q&A. "My family and I decided to run a little dry cleaner shop to make some money to survive."

    Li said she likes to joke that she was the "CEO." She ran the shop for seven years, from when she was 18 until the middle of her graduate studies.

    According to her LinkedIn profile, Li attended Princeton University for college, keeping her close to her parents' shop. Later, while pursuing her Ph.D. at Caltech in California, she continued to run the business remotely.

    "I was the one who spoke English. So I took all the customer phone calls, I dealt with the billing, the inspections, all the business," she said.

    The experience, she said, taught her the value of resilience — a principle that continues to guide her career.

    "As a scientist, you have to be resilient because science is a non-linear journey. Nobody has all the solutions. You have to go through such a challenge to find an answer. And as an immigrant, you learn to be resilient," she said.

    At World Labs, Li has big ambitions. She is working on building world models. These are AI models that leverage spatial intelligence, which Li says is "the ability for AI to understand, perceive, reason and interact [with the world]. It comes from a continuation of visual intelligence."

    A growing number of AI experts believe that world models are what will propel the AI revolution into its next phase. Some believe large-language models, which are trained on, as the name suggests, lanaguage, and which the leading products are now based, are limited.

    Li said ImageNet, a comprehensive training dataset of visual information, was a precursor to world models.

    At the core of Li's research is the idea that visual information, a passive way of understanding the world, is a crucial foundation for real-world action, which remains one of the ultimate goals of some top AI builders, like Meta Chief AI Scientist Yann LeCun, who recently announced he would step down to launch his own world model startup.

    The through-line between Li's research and her immigrant story is the same.

    "I was always a curious kid, and then my curiosity had an outlet, which was science — and that really grounded me," she told Bloomberg. "I wasn't curious about nightclubs or other things. I was an avid lover of science."

    Read the original article on Business Insider
  • What’s the upside for QBE shares after a rocky 2 months?

    comical investor reading documents and surrounded by calculators

    Since early August, QBE Insurance (ASX: QBE) shares have fallen more than 16%. 

    For context, S&P/ASX 200 Financials (ASX:XFJ) index lost about 5% in the same period. 

    Earlier this month, Macquarie placed an outperform rating on QBE shares with a price target indicating roughly 15% upside. 

    However the team at Bell Potter is a little less optimistic. 

    Bell Potter released updated analysis on QBE shares last Thursday. 

    The broker has a hold recommendation on QBE shares. 

    Here’s what the broker had to say. 

    Concerns over slowing rate increases

    In last week’s report, Bell Potter said it sees the investment thesis on QBE as generally good, but with some concerns over slowing rate increases and potential rising inflation. 

    The broker said premium rates have been improving, ahead of inflation, showing that insurers retain pricing power, although rate increases are now slowing.

    Profitability is seeing a strong underwriting profit, and investment returns are reasonable and stable (running yield) meaning the business is making a return on equity of 17.5% in FY25e.

    The valuation is full, and in our opinion, and anticipates a lengthy continuation of a positive upcycle.

    Hold recommendation from Bell Potter

    The broker said at the half year results, it felt the company could be seen to be growing into a softening environment. 

    With a PCA capital ratio of 1.81 (after interim dividend), the company’s capital is at the top of its target range (1.6-1.8x). This capital is being valued by the equity market at a premium to book value and the company is looking for ways to utilise its capital and grow into attractive areas.

    The broker said it will review its forecasts post the Q3 update, noting the upside with the shares below $20. 

    However for now, Bell Potter has maintained its target price of $21.20 and retained its hold recommendation.

    QBE shares closed last week at $19.64. 

    Based on this price target it appears QBE shares are hovering close to fair value, with an indicated upside of approximately 8%. 

    The post What’s the upside for QBE shares after a rocky 2 months? appeared first on The Motley Fool Australia.

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

    Before you buy QBE Insurance shares, consider this:

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

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

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

    * Returns as of 18 November 2025

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    Motley Fool contributor Aaron Bell 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.

  • Broker tips 20% upside for this ASX industrials stock

    Cheerful boyfriend showing mobile phone to girlfriend in dining room. They are spending leisure time together at home and planning their financial future.

    ASX industrials stock Tasmea Ltd (ASX: TEA) has risen 60% in the last 12 months. 

    Tasmea is a skilled services company. 

    The company provides essential maintenance, engineering, and specialised project services and solutions across the following four service streams to the mining and resources; oil and gas; waste and water; power and renewable energy; and defence and infrastructure industries.

    In the last week it has shed almost 15% which may have created a buy the dip opportunity. 

    Following the recent share price drop, the team at Morgans has upgraded its view on this ASX industrials stock. 

    Here is the latest from the broker. 

    WorkPac Acquisition reason for optimism

    Earlier this week, Tasmea acquired 100% of the issued capital in WorkPac Group Pty Ltd. 

    WorkPac is a workforce solutions business. It specialises in tailored, end-to-end solutions in workforce management, recruitment, skills and career development across diverse sectors including Mining, Industrial, Construction, Engineering, Healthcare, Social Care and more.

    Commenting on the acquisition, Tasmea’s Managing Director, Stephen Young said:

    This transaction reflects our disciplined approach to growth and our commitment to building a diversified, scalable platform across Australia.

    It seems the team at Morgans saw this as a positive move for the ASX industrials stock. 

    In a note out of the broker on Thursday, it said WorkPac gives Tasmea a deeper labour pool which will be helpful in a tight market as it endeavours to self-perform all its services. This has the capacity to positively impact margins.

    The WorkPac acquisition is +10% EPS accretive or +5-6% including the dilution from the recent equity raise. This transaction is a step-out from the company’s strategy to acquire more specialised services businesses, though it sends a clear signal about TEA’s visibility over demand in its key end-markets.

    The broker also believes Tasmea should benefit from improved speed of mobilisation, which is critical given the fast-paced nature of some of its responsive services. 

    Target price increase from Morgans

    The team at Morgans has maintained its buy recommendation on this ASX industrials stock. 

    The broker also increased its price target to $5.40 (previously $5.00). 

    Based on this new price target, Morgans sees an upside of 20% for Tasmea shares. 

    The post Broker tips 20% upside for this ASX industrials stock appeared first on The Motley Fool Australia.

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

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

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

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    Motley Fool contributor Aaron Bell 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.

  • I run a 24-hour day care. We keep the overnight kids awake so their schedule matches their parents’.

    Split image child and woman
    Amanda Yochum oversees Bright Horizons' 24-hour day care centers in Indiana and Kentucky.

    • Amanda Yochum, 44, has worked at childcare company Bright Horizons for nearly 23 years.
    • She oversees the company's 24-hour day care centers in Indiana and Kentucky.
    • The night shift children stay up all night to match their parents' schedules.

    This story is based on a conversation with Amanda Yochum, 44, of Haubstadt, Indiana. She oversees Bright Horizons' 24-hour day care in Indiana and Kentucky. The account has been edited for length and clarity.

    If you've never played football or dodgeball outside at 3 a.m. with preschoolers — or watched the sunrise with them — you're missing out.

    I know this because I'm a regional manager at childcare company Bright Horizons, overseeing the 24-hour day care centers we run in Princeton, Indiana, and Georgetown, Kentucky, which are located at the Toyota manufacturing plants in both areas.

    The business of making cars runs 24/7, and so do our day care centers. When you're a parent on night shift — and need to sleep during the day — you need your child to be on that schedule, too. Especially if both you and your partner are working night shift, or you're a single parent, which is often the case at these plants, which are some of the largest employers in both regions.

    So while some people on a more conventional schedule might baulk at the idea of 3-year-olds staying up playing happily all night long, that's just what we do here.

    Staying up all night is part of the routine

    The night shift runs from 6 p.m. to 5 a.m., so when the plant workers drop their children off, we'll have some that are still half asleep on their parents' shoulders. However, they typically run excited to see their friends. We'll have activities that are already planned out on the table to engage them as they transition into the classroom. Once they're settled in, then they have some free play and can explore our different learning environments.

    When these plants were established in 1996 and 1986, respectively, there were few quality childcare centers available, so Toyota recognized the need to provide this service for its employees.

    That's why our nighttime day care service is in such high demand. At our Princeton childcare center, 164 children are enrolled during the day, while 44 are enrolled at night. In Georgetown, about 159 kids are enrolled in the day program, and 32 are enrolled at night. The center is also open on Saturdays. Around 25 are booked in the day and around 20 at night.

    Toddler playing with rock
    Kids during the night program stay up and do the same things as kids during the day program.

    Keeping our nighttime routine as close as possible to our daytime routine is a strong principle that we have implemented throughout the years. It's that equity piece. We don't want our children or our families to feel that they are missing out because of the shift that they are on. For example, if it's Grandparents Day during the day, we will replicate that at night. We often say that the only difference is that we swap sunscreen for bug spray.

    It's so fun to be outside with the kids in the middle of the night

    The rest of the night runs like this: once they have settled in, they will eat breakfast. Then they will play outside, and come back in for some activities and projects. We follow a curriculum, but we also discuss with the children what they are interested in learning.

    They typically have lunch around 10:30 p.m. Then, after lunch, just like daytime children, some will take a nap of up to two hours at this point. For those children who don't nap, they'll transition into rest time and quiet activities. We offer "inner explorer," our mindfulness program that helps calm the mind and body, promoting relaxation.

    After this, it will be snack time, and we will go outside again. They return for some additional curriculum time, and then, toward the end of the shift, they'll have some extra learning time. It will then be time to go home.

    It's actually a lot of fun being outside with the children in the middle of the night. We are in the middle of a cornfield, so we have high fencing and stadium lighting. There is nature outside to contend with, but we know how to keep safe. The children like to holler at the deer, and we often get mice wandering in. We might also see the occasional coyote, and the children love it. The lights are so bright you often forget what time of night it is.

    Kids can come starting at 7 weeks up to before they start kindergarten

    Many children start with us at around 7 weeks old and stay with us until they begin kindergarten. Typically, night shift families have it made in this regard – their babies sleep the best and they don't struggle.

    We are often asked if we plan to open a kindergarten program, but there are no plans at the moment. We do everything we can to support them in their transition into kindergarten and school, where they will have to adhere to more conventional hours. We'll lengthen naptime, so by the time they're graduating, they'll be sleeping for an extended period at night.

    Girl at Bright Horizons
    Bright Horizons works with families whose kids are soon moving into regular school hours.

    Our families will also tend to take off the week before school starts, to get into that new groove and routine. Parents aren't guaranteed to be moved to the day shift when their children start kindergarten, so they may have to drop their children off at Grandma's and Grandpa's or arrange for someone to come to their house.

    In Kentucky, though, we do have a school-age program. The children have their own beds, dressers, locker rooms, and showers, and they will go to bed by 9:30 p.m. while their parents work the night shift.

    Our facilities are crucial to working parents

    We don't tend to have issues with our children not being rested enough — they have learned to follow their parents' schedules, and they start young enough that it's easy for them to adapt. Sometimes, life admin needs to be taken care of during the day, and we might not get a full night's sleep, but that happens to all of us at times.

    However, there is a doctor's office, pharmacy, and store on-site, and we also have health professionals visit us to support the children. For example, twice a year a local hospital will send in occupational, speech, developmental, social and emotional therapists, and they will come in and do developmental screenings. They will bill the health insurance providers directly at no cost to the families.

    We also have optometrists and dentists come on-site. Then we have professional family photographers come too. These events occur both during the day and night, benefiting everyone.

    Even though I am a regional manager now, I still will go in and work nights. I just drink an extra Diet Coke. I also have an almost 19-year-old autistic son who has never slept well anyway, so he's been conditioning me my entire adult life to do this kind of work.

    It's a big misconception that we just keep the kids up all night. Yes, we do that. But that work-life balance is critical for parents who work hard. That's why we pioneered this style of childcare years ago — and it works for everyone.

    Read the original article on Business Insider