• All my kids have grown up, so we’ve changed our holiday traditions. We scaled back on decorations and added a day of festivities.

    Kids around Christmas tree
    The author's blended family has changing their holiday traditions as the kids grow older.

    • As our kids have gotten older, we have adapted traditions like celebrating Christmas Tweve.
    • We use far fewer decorations and love the way our kids have made new traditions.
    • One amusing tradition is for the kids to decorate our holiday village with superhero toys and Lego.

    Cookie baking, decorating, stuffing stockings, building a holiday village scene with Iron Man and Thor action figures — just like a huggable snowman discovered, everyone has traditions for that time of year.

    We're a blended family with kids ranging in age from 17 to mid-30s. As our kids have moved from being wide awake at 5:30 am to testing Santa to creating their own holiday magic as adults, our traditions have grown and changed with them. As a result, it's all less stressful.

    We've expanded the days of the holiday

    Family around table
    A Christmas Tweve holiday lunch with Christmas crackers and cassoulet.

    Right around Thanksgiving, I am reminded that it's not just wonderful, it's also a wacky and wearisome time of the year.

    I grew up in blended families. By middle school, both of my parents had remarried, doubling the number of families to see during the festive season. By the fifth stop on a whirlwind Christmas Day in high school, my brother and I were stuffed with cookies and even burned out on opening presents.

    For most of our 20-year marriage, I've felt like I'm reliving those teenage years all over again as we try to squeeze in his family, my multiple families, and the kids' other family commitments into two overstuffed days of festive cheer.

    As the kids got older and added commitments to their significant others and time for their own families, we realized Christmas is too short. Two days were just not enough time to cram in all the festivities and have at least a little time left for our family.

    So, some years, we celebrate what we call "Christmas Tweve," the day before Christmas Eve. We spend most of the day hanging out, having a festive feast, and then opening gifts. Sometimes we have a houseful overnight, and everyone stays up late watching Christmas movies and eating my feeble attempts at pancake art for breakfast.

    We have scaled back the decorations

    Advent calendar
    Our Advent calendar is surrounded by my favorite decoration, kid's artwork.

    We are down to two kids living at home, and the number of holiday decorations has reduced.

    One year, we had multiple trees, each decorated in a different theme — a candy-themed 5-foot tree, a mini tree in the kids' rooms, and a fancy ornament 7-foot tree.

    There were two Christmas villages, one in the kitchen. The kitchen and living room looked like Christmas exploded in them. Every room had a few decorations — a tree, figurines, holiday towels, and a wreath on the door.

    There was a time when seven of us were decorating. Now it's down to four, and we're focusing more on the nostalgic and sentimental decorations. Our tree is covered in ornaments from places we've traveled and the kids created.

    I used to frame the sliding door in our kitchen with the kids' artwork – cotton-ball snowmen, sparkly handprint reindeer, and a painted winter scene.

    A few years ago, my youngest and I had a holiday moment of tension when I displayed elementary school artwork with their previous name. They're nonbinary, and it bothered them seeing that name plastered all over the kitchen.

    I got creative and modified my favorites — erasing letters, trimming corners, and folding back edges. Now I display favorites onl,y and it's down to one wall shared with our Advent calendar.

    Our Advent calendar changes along with our family

    Dog advent calendar
    One year the kids weren't into the Advent calendar, so we did it with the dog instead.

    When the kids were younger, we had multiple Advent calendars — one with treats and one with toys. One year, it was Disney Tsum Tsums, there was "Star Wars" Lego, and then socks. A few years ago, no one was really interested, and we got one for the dog.

    Now, our Advent calendar is a meaningful tradition. It's the same one each year, and this year, my youngest helped shop for the candy, hopefully marking the start of a new tradition.

    Our kids have started their own traditions

    Holiday village with superheroes
    Our kids have made our holiday village their own.

    When she was in college, my stepdaughter started making an annual ornament with a silly picture of herself. The perfect gift on a tight budget — inexpensive and very meaningful.

    Now she's a mom, married, and decorating her own place. Every year, my husband, the two youngest kids, and I put all 11 ornaments she's created on the tree — her with Chipotle burritos, in a snow globe, and with her son.

    A few years ago, our oldest came to stay when his spouse was out of town. I put him and his two younger siblings in charge of the holiday village.

    When I heard my youngest rummaging through their toys, I knew the holiday village was going to have a different vibe than it had in past years. Lego minifigs, Power Rangers, and assorted superheroes perched on festive rooftops and hid in the snow.

    Every stage of our kids' lives means something new. Sometimes it's capped with a major milestone, such as a driver's license, wedding, or graduation, as a reminder to stop and savor this time.

    With the holidays, there wasn't a big event to mentally prepare for the change. Gradually, things were different — gone were the days of classroom holiday party crafts and a big group decorating the tree. Now it's crafts from doggy day care, Christmas Tweve, and Spider-Man in the village. And I love it.

    Read the original article on Business Insider
  • After falling 50%, this under-the-radar growth stock looks like brilliant value to me

    Military soldier standing with army land vehicle as helicopters fly overhead.

    Growth stock Electro Optic Systems Ltd (ASX: EOS) share price has taken a heavy hit recently, tumbling roughly 50% from its earlier highs. For most companies, a drop like that signals trouble. But when you look at what Electric Optic Systems has delivered this year, the pullback starts to look completely disconnected from the fundamentals.

    At around $5 per share, Electric Optic Systems now trades at levels that simply don’t reflect the momentum building inside the business. And after going through its latest numbers, I honestly think this is shaping up as one of the more interesting growth opportunities on the ASX.

    A defence business gaining serious momentum

    Electric Optic Systems has moved beyond its early days as a speculative tech name. The growth stock is now landing substantial defence contracts in high-demand areas like counter-drone technology, high-power laser systems and next-generation remote weapon station (RWS).

    The company delivered a solid set of numbers in the first half of FY25, including:

    • Revenue jumped 69% to $143.6 million
    • Underlying EBITDA returned to profit at $17.3 million
    • Operating cash flow came in at $26.4 million
    • Cash on hand improved to $65 million

    A contract pipeline that keeps growing

    One of the most important metrics for a defence company is its backlog. And Electric Optic Systems now has a $414 million order backlog.

    That includes:

    This is not potential work waiting to be won. These are firm contracts that give Electric Optic Systems clear revenue visibility for years to come.

    On top of that, the company is still in the running for a potential $500 million-plus Middle Eastern defence opportunity and a second high-power laser contract, which management has already hinted could materialise. Electric Optic Systems has the advantage of offering proven technology, something defence buyers value heavily, especially in fast-moving areas like counter-drone warfare.

    Even if one of these contracts’ lands, it would significantly reshape the company’s revenue outlook. If both opportunities come through, I doubt the market will keep valuing the growth stock anywhere near its current levels.

    Why I think the sell-off has gone too far

    The fall in the Electric Optic Systems share price has been mostly sentiment-driven. But the numbers show a company:

    • Growing revenue rapidly
    • Returning to EBITDA profitability
    • Generating positive operating cash
    • Expanding its footprint across key global defence markets

    And importantly, the world is moving toward exactly the kind of technology Electric Optic Systems specialises in. Drones and counter-drone systems are now priority spending areas for militaries everywhere.

    My take

    Looking at the fundamentals, Electric Optic Systems appears much stronger than a company that has shed 50% of its share price. If the company keeps delivering on contracts and lifting margins, I can easily see the share price bouncing back to its recent highs.

    For long-term investors willing to be patient, I think this downturn is offering a rare chance to buy a genuinely exciting defence growth story at a heavily discounted price.

    The post After falling 50%, this under-the-radar growth stock looks like brilliant value to me appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Electro Optic Systems Holdings Limited right now?

    Before you buy Electro Optic Systems Holdings 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 Electro Optic Systems Holdings 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 Aaron Teboneras owns Electro Optic Systems Holdings Limited. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Electro Optic Systems. 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.

  • Bell Potter just initiated coverage with a buy recommendation for this ASX technology stock

    a group of people sit around a computer in an office environment.

    Energy One Ltd (ASX: EOL) is a soaring ASX technology stock that is now drawing attention from broker Bell Potter. 

    The company is a global provider of software products, outsourced operations, and advisory services for wholesale energy, environmental, and carbon trading markets. Its solutions support energy participants across Europe, the UK, and the Asia-Pacific region.

    In the last 12 months it has soared almost 180%. 

    The surge has been thanks to a strong financial performance. Revenue growth fuelled a surge in profitability, driven by the operating leverage of the software business.

    In FY25, the company reported revenue growth of 17% to $61.4 million and annual recurring revenue (ARR) jumped 22% to $60.4 million.

    EBITDA rose by 57% to $10.5 million, and net profit after tax (NPAT) increased by 74% to $5.9 million.

    Bell Potter initiates coverage

    The surging ASX technology stock has drawn the attention of Bell Potter. 

    The broker issued a new report on Thursday last week that included a buy recommendation and price target of $20.80. 

    Shares closed last week at $17.58, which means the broker sees an upside of approximately 18.31%. 

    The broker said the company now has more than 450 customer installations in 30+ countries with 12 different products available. 

    The company’s value proposition is flexibility, speed of implementation and the removal of complexities. EOL’s ‘one-stopshop’ approach is a key differentiator against more pure-play competitors.

    The company delivers software and services which are crucial to the operations of its customers. Without it, customers are unable to perform day-to-day. 

    Bell Potter believes as a result, Energy One intimate client offering has high switching costs leading to a sticky customer base as evidenced by its historically low churn. 

    Emerging tailwinds 

    Bell Potter also has optimism around the leverage of this ASX technology stock to decarbonisation tailwinds. 

    EOL is well placed to benefit from the rising share of renewable energy in the global energy system. The variability and intermittency of renewables increase market complexity and volatility, driving demand for reliable software and operational support.

    It said Europe’s recent quadrupling of its electricity trading windows enhances this company’s opportunity to sell, cross-sell and up-sell its product suite.

    Bell Potter believes the ‘mission-critical’ nature of Energy One’s offering provides a resiliency to its earnings and an ability to push through necessary price increases.

    Potential catalysts for further upside include further M&A in Europe to hasten expansion and management commentary ensuring confidence in their ambitious cash EBITDA margin target.

    The post Bell Potter just initiated coverage with a buy recommendation for this ASX technology stock appeared first on The Motley Fool Australia.

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

    Before you buy Energy One 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 Energy One 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 Aaron Bell 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 Energy One. 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.

  • These two ASX ETFs soared in the month of November

    Young happy people on a farm raise bottles of orange juice in a big cheers to celebrate a dividends or financial win.

    A new report from Betashares has revealed the best performing ASX ETFs across the month of November, with two in particular standing out. 

    ASX ETFs snapshot

    According to the Betashares Australian ETF Review report, the Australian ETF industry recorded $4.3 billion of inflows in November. 

    This helped the Australian ETF industry to a new record high of $324.9B in funds under management which is a rise of $3.2B or 0.98%.

    ETF flows have been above $4 billion for five consecutive months. Over the last 12 months the Australian ETF industry has grown by 33.8%, or $82 billion. 

    A separate report from the ETF provider forecasts a further 300,000 first-time ETF investors in 2026, which would lift total participation beyond three million for the first time.

    Betashares CEO Alex Vynokur said the findings reflect how deeply ETFs have become embedded in Australian investing.

    ETFs are now being used by 2.7 million Australians to build wealth and support their long-term financial goals. More than ever, Australians are turning to ETFs as a foundation for their financial future.

    The report shows ETFs now comprise 17% of the average investment portfolio, the highest level recorded in the research’s history.

    Betashares also released data about the best performing funds in November. 

    BetaShares Global Gold Miners ETF – Currency Hedged (ASX: MNRS

    According to the latest report from Betashares, the Betashares Global Gold Miners Currency Hedged ETF (ASX: MNRS) extended its YTD performance lead after being the best performing fund in November.

    It rose more than 18% from November to December 1. 

    It’s no surprise this fund has performed well, as the gold sector has raced ahead in 2025, fuelled by commodity price surges and defensive investment sentiment.

    This ASX ETF tracks the performance of an index (before fees and expenses) that comprises the largest global gold mining companies (ex-Australia), hedged into Australian dollars.

    It is now up 143.89% year to date. 

    Betashares Energy Transition Metals Etf (ASX: XMET)

    This ASX ETF also raced ahead of the market in November. 

    It rose 15.83% from November to December 1. 

    According to Betashares, the fund is now the third best performing fund this year.  

    It tracks the performance of an index (before fees and expenses) that provides exposure to a portfolio of global companies in the Energy Transition Metals (‘ETMs’) industry. 

    ETMs are raw materials that are essential to the transition to a less carbon-intensive economy.

    XMET ETF provides exposure to global producers of copper, lithium, nickel, cobalt, graphite, manganese, silver and rare earth elements.

    This fund is now up almost 90% in 2025.

    The post These two ASX ETFs soared in the month of November appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Betashares Energy Transition Metals Etf right now?

    Before you buy Betashares Energy Transition Metals Etf shares, consider this:

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

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

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

    * 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.

  • 5 things to watch on the ASX 200 on Monday

    Woman with a concerned look on her face holding a credit card and smartphone.

    On Friday, the S&P/ASX 200 Index (ASX: XJO) finished the week in style. The benchmark index rose a sizeable 1.2% to 8,697.3 points.

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

    ASX 200 expected to tumble

    The Australian share market looks set for a very poor start to the week following a selloff on Wall Street on Friday. According to the latest SPI futures, the ASX 200 is expected to open the day 51 points or 0.6% lower. In the United States, the Dow Jones was down 0.5%, the S&P 500 fell 1.1%, and the Nasdaq pushed 1.7% lower.

    Oil prices weaken

    It could be a poor start to the week for ASX 200 energy shares such as Santos Ltd (ASX: STO) and Woodside Energy Group Ltd (ASX: WDS) after oil prices weakened on Friday night. According to Bloomberg, the WTI crude oil price was down 0.3% to US$57.44 a barrel and the Brent crude oil price was down 0.25% to US$61.12 a barrel. This was driven by oversupply concerns.

    Buy Harvey Norman shares

    Bell Potter thinks that Harvey Norman Holdings Ltd (ASX: HVN) shares could be a top pick for investors. This morning, the broker has retained its buy rating and $8.30 price target on its shares. It said: “Australian household spending for Oct’25 has been somewhat assisted by the earlier start of the Black Friday promotional period (running on an extended basis from mid-late Oct to Cyber Monday), with non-food categories up 5.3% YOY. While we expect a relatively robust promotional period apart from the weakest discretionary categories as somewhat evident in the recent trading updates (such as mass apparel, lifestyle footwear and some parts of household goods), we also remain cautious on trends for the months ahead.”

    Gold price rises

    ASX 200 gold shares such as Newmont Corporation (ASX: NEM) and Northern Star Resources Ltd (ASX: NST) will be on watch after the gold price pushed higher on Friday night. According to CNBC, the gold futures price was up 0.35% to US$4,328.3 an ounce. This saw the precious metal climb to a seven-week high.

    Buy Cedar Woods shares

    Bell Potter thinks that Cedar Woods Properties Ltd (ASX: CWP) shares are in the buy zone. This morning, the broker has reaffirmed its buy rating and $9.70 price target on its shares. This implies potential upside of 18% for investors over the next 12 months. The broker has named the residential property developer as one of its key picks in the real estate sector.

    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 Cedar Woods Properties Limited right now?

    Before you buy Cedar Woods Properties 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 Cedar Woods Properties 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 Woodside Energy Group. 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. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • Why I think this ASX small-cap stock is a bargain at $4.26

    three businessmen high five each other outside an office building with graphic images of graphs and metrics superimposed on the shot.

    The ASX small-cap stock Kelsian Group Ltd (ASX: KLS) has the potential to deliver very pleasing returns to investors, and I think it’s a solid buy for the long-term.

    The fact that its share price has slipped 18% since 7 October 2025 makes it even more appealing buy, in my opinion.

    Kelsian describes itself as a leading global operator of bus, motorcoach and marine services, which has been contracted by governments and private clients to deliver safe, reliable and sustainable passenger transport solutions.

    The business has operations across Australia, the UK, Singapore, the USA and the Channel Islands. The ASX small-cap stock operates one of Australia’s largest public bus operators, the second largest motorcoach business in the USA and bus franchising in the UK and Singapore. It also has significant marine operations, providing ferry services for commuters, tourism and regional communities.

    Overall, the company operates more than 5,800 buses, 124 vessels and 24 light rail vehicles, enabling 383 million customer journeys over the past year.

    Let me outline some of the positives about the ASX small-cap stock.

    Low valuation

    At a time when many of the most appealing investments globally are trading at expensive prices, Kelsian looks like it’s trading on a cheap price/earnings (P/E) ratio.

    According to the forecast on CMC Markets, the business is expected to make earnings per share (EPS) of 36.4 cents in FY26. That means it’s currently valued at under 12x FY26’s estimated earnings.

    That P/E ratio looks cheap considering the business is projected to grow its EPS by another 10% in FY27, which I believe looks very promising.

    Good core growth

    Over the last year or so, the ASX small-cap stock has focused on addressing underperforming assets, divesting non-core assets (such as tourism assets), ensuring its debt levels are appropriate and improving communication about capital allocation.

    The company says that it has strong market positions with a pipeline of opportunities that “will drive organic growth” across its markets. Kelsian said that its focus remains on capitalising on those opportunities.

    It highlighted that in the first quarter of FY26 it won its first bus public transport contract in Queensland, the Ipswich and Logan bus improvement package.

    Dividend income

    The final thing I’ll highlight is that the business is rewarding investors with a solid level of passive income each year. It’s pleasing to be rewarded as a shareholder just for owning shares over time. Hopefully, the company can deliver capital growth too, resulting in solid overall total shareholder returns.

    The ASX small-cap stock is expected to pay a grossed-up dividend yield of 6.2% in FY26 and 6.9% in FY27, including franking credits, according to the projection on CMC Markets.

    The post Why I think this ASX small-cap stock is a bargain at $4.26 appeared first on The Motley Fool Australia.

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

    Before you buy Kelsian Group Limited shares, consider this:

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

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

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

    * Returns as of 18 November 2025

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    Motley Fool contributor Tristan Harrison has 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.

  • OpenAI’s head of Codex says the bottleneck to AGI is humanity’s inability to type fast enough

    OpenAI
    OpenAI's leaders are moving so fast to develop AGI that they see human typing speed as a limiting factor.

    • OpenAI's head of Codex says human typing speed is limiting progress toward AGI.
    • Alexander Embiricos said that's because humans rely on writing prompts to review AI's work.
    • He said progress will be made when AI agents can review work instead of humans.

    Just. Type. Faster.

    If you needed a sign for how determined AI-land is to achieve AGI quickly, it's that one of its leaders sees the speed of human typing as one of its biggest roadblocks.

    Alexander Embiricos, who leads product development for Codex, OpenAI's coding agent, said on "Lenny's Podcast" on Sunday that the "current underappreciated limiting factor" to AGI is "human typing speed" or "human multi-tasking speed on writing prompts."

    AGI, or artificial general intelligence, is a still theoretical version of AI that reasons as well or better than humans. It's the thing all the big AI companies are competing to be the first to realize.

    "You can have an agent watch all the work you're doing, but if you don't have the agent also validating its work, then you're still bottlenecked on, like, can you go review all that code?" Embiricos said.

    Embiricos' view is that we need to unburden humans from having to write prompts and validate AI's work, since we aren't fast enough.

    "If we can rebuild systems to let the agent be default useful, we'll start unlocking hockey sticks," he said.

    "Hockey stick growth" is a term used to describe a growth curve that starts out flat and suddenly spikes, mirroring the shape of a hockey stick.

    Embiricos said there's no simple path to a fully automated workflow — each use case will require its own approach — but he expects to see progress toward this level of growth soon.

    "Starting next year, we're going to see early adopters starting to hockey stick their productivity, and then over the years that follow, we're going to see larger and larger companies hockey stick that productivity," he said.

    Somewhere in between the time early adopters start to see gains in productivity and when tech giants manage to fully automate processes with AI agents is when we'll see AGI, Embiricos said.

    "That hockey-sticking will be flowing back into the AI labs, and that's when we'll basically be at the AGI," he said.

    Read the original article on Business Insider
  • I picked up this gift-giving hack from an ex, and it guarantees the most thoughtful presents

    Family posing with Christmas tree
    The author learned a gift-giving hack from her ex that she uses with her family now.

    • Using a Pinterest board to save gift ideas ensures thoughtful, personalized presents.
    • Digitizing gift lists streamlines holiday shopping and helps avoid last-minute stress.
    • This gift-giving hack supports buying unique items and shows loved ones they are valued.

    I had an ex-boyfriend who wasn't the best gift-giver, but he really wanted to be.

    So he started writing down ideas for gifts throughout the year, and by Christmas, I couldn't believe he had remembered something I mentioned months ago.

    He shared his trick with me, and I was impressed. I've used it ever since, even with my husband and son.

    Instead of handwriting ideas, I started using Pinterest

    I started out writing down ideas, but now I have a Pinterest board divided into sections for my husband, my son, and other close family and friends. Digitizing this gift-giving hack has made it easy for me to refer to my folders when it's time to buy a gift.

    Since I always have a handful of things saved that I know my gift recipient will like, I can then narrow them down to one or two things they'll like the most. I can also easily compare prices and factor that into my decision. In this way, I feel like I'm optimizing my gift-giving system.

    My system especially simplifies shopping around the holidays

    Many of my saved ideas are linked directly to the website that sells that item. That makes it easy to place an order quickly, once I've made my final decisions. This simplifies the online shopping process for me, especially around the holidays when I have a lot of gifts to buy at once.

    Many unique, one-of-a-kind items are made-to-order and shipped by individuals and small businesses. These things take time to arrive and require some forethought. This gift-giving hack helps me avoid arrival delays or completely miss out on those options.

    To avoid this, I review my boards right after Thanksgiving and start placing orders. Additionally, completing my shopping and being able to simply enjoy the holiday season is a huge bonus.

    I used to approach gift-giving as an errand

    The first time I realized my ex had saved up gift ideas for me, it made me feel really special. I felt important enough to him that he wanted to make sure he got me gifts I'd really like. While I had always given thought to my gift-giving, I often shopped at the last minute.

    I would make a list of the people I needed to buy gifts for and come up with some ideas before going shopping. I still bought things I knew people would like, but I didn't plan. The objective was to make sure I had presents for people, rather than making sure I had the perfect presents for them.

    As I grew older and became a parent, it became increasingly important to me to show the people I love just how much I care for them. Getting them truly thoughtful gifts is an easy way for me to do that.

    Now I care more about giving the right gift

    I, too, get a lot out of this gift-giving hack. I enjoy thinking of my family and friends throughout the year, saving ideas for them regularly. I feel so happy just thinking about giving them those gifts and looking forward to those special occasions. It proves to me that giving is often the most rewarding part of gift-giving.

    Boy opening presents
    The author enjoys gift-giving more now.

    I can tell that my loved ones know I put thought into their gifts, even if they don't know about my Pinterest hack. I don't just try to get them an item they like. I want it to be something they've mentioned, maybe offhandedly, when they didn't even think anyone was listening. Or even better, it's something even they didn't realize they'd love.

    It's about making someone feel thought of. That's the part that I think really makes someone feel special.

    Read the original article on Business Insider
  • Why these brokers are bullish on the Santos share price

    Happy man standing in front of an oil rig.

    The Santos Ltd (ASX: STO) share price has fallen by more than 20% from August 2025, as the chart below shows. A key question is whether the ASX energy share is good value at this level.

    A decline in valuation could be an attractive buying opportunity because of the cyclical nature of energy prices. It can be useful to buy cyclical businesses after they’ve gone through a period of weakness.

    At the moment, there are multiple analysts that rate the business as a buy. At the time of writing, there are currently nine buy ratings on the business, according to a Commsec collation of analyst opinions on the company.

    Let’s take a look at what brokers are seeing with the ASX energy share.

    Expert views on the ASX energy share

    UBS is one of the brokers that rates the Santos share price as a buy, with a price target of $8.10. That implies the broker expects a possible rise of almost 30% within the next year. I think that’s likely to be a market-beating return, if it eventuates.

    The broker noted that the company’s quarterly production for the three months to September 2025 saw production and sales revenue was slightly weaker than analyst estimates because of the impact of flooding in the Cooper basis, a slower ramp-up of production at Fairview from the drilling program under way (within GLNG) and a marginally slower ramp-up from the new Barossa gas project.

    This led to Santos trimming its 2025 production and sales volume guidance, leading to a modest reduction of projected earnings per share (EPS) over the next two to three years.

    Successful commissioning of Barossa provides a “material de-risking” of the Santos investment thesis and should support the Santos share price.

    UBS commented that the oil outlook faces a number of supply and demand uncertainties, but the broker believes Santos’ fundamentals are solid. The broker thinks the ASX energy share is on the cusp of “material deleveraging” and a “step change” in free cash flow, making Santos shares its preferred pick in the Australia energy sector.

    The broker also suggests that the business could decide to lift its distribution payout ratio from more than 40% of free cash flow excluding major growth to more than 60% of all-in free cash flow.

    UBS said with its final thoughts:

    We also believe the ADNOC process has revealed that other strategic competitors see considerable value in STO’s undeveloped asset portfolio, presenting STO numerous options for asset recycling, growth funding & improving shareholder returns. Following the resignation of the CFO and recognising that the CEO’s long-term performance rights vest from 2026, we think executive succession planning must become a key focus of the board.

    Santos share price valuation

    UBS projects the business could generate US$1.5 billion of net profit in FY26 and US$1.7 billion in FY28.

    That means the Santos share price is valued at 9x FY26’s estimated earnings and 8x FY28’s estimated earnings. That certainly is a cheap price/earnings (P/E) ratio.

    The post Why these brokers are bullish on the Santos share price appeared first on The Motley Fool Australia.

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

    Before you buy Santos 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 Santos 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 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.

  • Better Artificial Intelligence (AI) stock for 2026: Nvidia or AMD?

    Data Centre Technology

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

    The debate of AMD (NASDAQ: AMD) versus Nvidia (NASDAQ: NVDA) hardware for tasks like gaming or PCs is one that could wage forever. But the debate of Nvidia versus AMD hardware for artificial intelligence (AI) processing is a short one: Nvidia beats AMD all day long. However, that’s an older notion that’s beginning to shift.

    AMD is starting to see real momentum in its product offering, and may start competing with Nvidia on a more level playing field in the near future. A shift in the landscape could make AMD a better investment than Nvidia for 2026.

    So, which am I picking for 2026? Let’s find out.

    AMD’s key weakness is starting to improve

    From a product offering standpoint, Nvidia has owned the data center space since the artificial intelligence (AI) buildout began in 2023. Nvidia’s technology stack, plus its leading software, made it the no-brainer choice to train AI models on, but AMD has improved its offering.

    Thanks to a handful of acquisitions and partnerships, AMD’s ROCm software has improved to become a more competitive offering with CUDA (Nvidia’s software). During its recent financial analyst day, AMD noted that ROCm downloads have increased 10x year over year, showcasing that this software may be gaining traction in the AI community.

    If AMD can offer a similar level of performance to Nvidia, Nvidia may be in trouble. It’s no secret that Nvidia’s hardware is far more expensive than AMD’s, and this shows up in the two companies’ margins.

    AMD Gross Profit Margin data by YCharts

    Nvidia’s gross margin and net income margin are far greater than AMD’s, which shows that a huge chunk of the cost of Nvidia GPUs goes to paying its profits. With a greater scrutiny on how much money AI hyperscalers are spending on their data center capital expenditures, turning to cheaper alternatives like AMD in exchange for some performance decrease may be a smart move.

    As of right now, I doubt this will happen. Companies are fairly locked into the Nvidia ecosystem, and Nvidia CEO Jensen Huang noted the company was “sold out” of cloud GPUs right now. This wouldn’t be the case if Nvidia were losing market share to cheaper alternatives, but this could open the door for AMD.

    If potential customers are trying to obtain more computing power in a short time frame and Nvidia doesn’t have the capacity, those companies may go to AMD to fulfill their needs. If those clients find that AMD’s hardware is comparable, they could start moving more business from Nvidia to AMD.

    We’ll see if that thesis plays out, but the reality is there is plenty of room for both these companies to thrive.

    The AI computing market is massive

    Nvidia believes that global data center capital expenditures will rise to $3 trillion to $4 trillion by 2030, up from $600 billion in 2025. AMD is also bullish on this space and believes there will be a $1 trillion compute market by 2030. These two projections are fairly similar, as Nvidia’s projections include all data center costs, while AMD’s focuses on just compute.

    If both companies are right on the market opportunity, there is a massive growth runway, which is why AMD told investors to expect a 60% compounded annual growth rate (CAGR) in its data center division. Nvidia likely expects a similar growth rate, making both stocks genius investments for 2026 if the 2030 projections from each company pan out.

    Currently, Nvidia is the far cheaper stock, trading at 25 times next year’s earnings versus 34 for AMD.

    AMD PE Ratio (Forward 1y) data by YCharts

    That’s a significant premium that investors must pay to own AMD, which hasn’t been as successful in its AI endeavors.

    As a result, I think Nvidia is the better stock pick over AMD, as there are fewer expectations priced in. However, if AMD starts to deliver on its growth projections, don’t be surprised if AMD outperforms Nvidia in 2026. Both companies are valid investments, and I won’t be surprised when either beats the market in 2026.

     The Motley Fool has positions in and recommends Advanced Micro Devices and Nvidia. The Motley Fool has a disclosure policy.

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

    The post Better Artificial Intelligence (AI) stock for 2026: Nvidia or AMD? 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 Advanced Micro Devices right now?

    Before you buy Advanced Micro Devices 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 Advanced Micro Devices 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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    Keithen Drury has positions in Nvidia. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Advanced Micro Devices and Nvidia. The Motley Fool Australia has recommended Advanced Micro Devices and Nvidia. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.