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Small Caps Lead Broad Stock Market Higher As Oil & Interest Rates Pull Back On Monday – $ARKK $BEAM $INDP $INVO $NVDA $RXRX $SOFI $XBI Rise!

By John F. Heerdink, Jr.
Quote of the Day — “It takes courage to grow up and become who you really are.” – e. e. cummings

Happy Monday!

I hope all has started well for you and yours this week.

As for the stock market, the indices all moved north as the lower end of the spectrum (small caps) realized outside gains, while the yield curve edged lower.  The 2-yr note closed at 4.33% & the 10-yr note yield closed at 4.109%, up 5bps.  Today’s macroeconomic schedule was quiet to begin the week, but Tuesday’s schedule will provide the November FHFA Housing Market Index report, the November S&P Case-Shiller Home Price Index report, & January Consumer Confidence & the December job openings reports. Also, making news today, the Treasury Department’s provided the Q1 borrowing estimate, which came in $55B below the forecast from October as there were higher net fiscal flows & a higher cash balance to start the quarter and now Q2 borrowing is expected to reach $202B. Interestingly today, the stock market & the energy market shrugged off the Iran backed attack on a U.S. Jordanian outpost that killed 3 soldiers. Oil prices ended 1.5% down at $76.87/bbl. The US Dollar Index was up .05% to close at $103.48. The CBOE Volatility Index (^VIX) closed at $13.60 and up 2.56% on the day and hit a high of $15.35 during intraday trading.

At the end of today’s session the Dow 30 closed at 38,333.45 (+.59%) & the S&P 500 closed at 4,927.93 (+.76%) with 10 of the 11 sectors closing in the green, while the energy sector closed in the red with oil prices off today.  The Nasdaq closed at 15,628.05 (+1.12%), while Cathie Wood’s ARK Innovation ETF (ARKK) closed at $48.11, +4.77%. The Magnificent Seven closed as follows: Alphabet (GOOG) closed at $154.84, +.68%, Amazon (AMZN) closing at $161.26, +1.34%, Apple (AAPL) closing at $191.73, -.36%, Meta Platforms (META) closing at $401.02, +1.75%, Microsoft (MSFT) closing at $409.72, +1.43%, NVIDIA (NVDA) closing at $624.65, +2.35% & Tesla (TSLA) closed at $190.93, +4.19% and is now down 23.16% YTD.  The small caps on the Russell 2000 closed at 2,011.42 (+1.67%).

Overall today, stocks that make up the SPDR S&P Biotech ETF (XBI) closed at $90.80, +2.90%. The iShares Biotechnology ETF (IBB) closed at $137.49, +1.58%. The 52-range is $111.83 – $138.74. The iShares U.S. Healthcare ETF (IYH) closed at $294.22, +.71%.

The SPDR S&P Regional Banking ETF (KRE) closed at $53, +1.67% and the SPDR S&P Bank ETF (KBE) closed at $46.75, +1.28%.  

Around the crypto and precious metals’ tree, Bitcoin (BTC) traded to $43,134.65, 3.21% over the last 24 hours at the time of this writing and Coinbase Global (COIN) closed at $132.82, +6.09%. 

Gold prices closed at $2,026.00, +$6/oz. & silver closed at $23.18, +$.33/oz. on the day.  The SPDR Gold Shares ETF (GLD) closed at $188.33, +.71% today and up 5.08% over the last year.



SoFi Technologies, Inc. (NASDAQ: SOFI, $9.16, +20.21%), a member-centric, one-stop shop for digital financial services that helps members borrow, save, spend, invest and protect their money, reported financial results today for its fourth quarter and fiscal year ended December 31, 2023. SoFi highlighted the following:

  • Accelerating Revenue Growth, Expanding Margins and GAAP Profitability
  • Fourth Quarter $615 Million GAAP Net Revenue Up 35% Year-over-Year; $594 Million Adjusted Net Revenue Up 34% Year-over-Year
  • Record Fourth Quarter Adjusted EBITDA of $181 Million Up 159% Year-over-Year, 30% Target Margin Reached
  • Fourth Quarter Positive GAAP Net Income of $48 Million, GAAP EPS of $0.02
  • Quarterly New Member Adds of Nearly 585,000; Total Members Up 44% Year-over-Year to Over 7.5 Million
  • Quarterly New Product Adds of Nearly 695,000; Total Products Up 41% Year-over-Year to Over 11.1 Million
  • Fourth Quarter Total Deposit Growth of $2.9 Billion to $18.6 Billion
  • Fourth Quarter Growth in Tangible Book Value of $204 Million, up $334 Million for Full Year 2023
  • Diversification Milestone with 40% of Fourth Quarter Adjusted Net Revenue from Tech Platform and Financial Services Segments
  • Management Announces 2024 Guidance & Longer Term Outlook

Beam Therapeutics Inc. (Nasdaq: BEAM, $28.29, +16.47%), a biotechnology company developing precision genetic medicines through base editing, reported progress across the company’s hematology and genetic disease portfolios and provided updates on anticipated upcoming milestones on Jan.8. They highlighted the following:

  • First Patient Dosed and Successfully Engrafted in BEACON Phase 1/2 Trial of BEAM-101 in Patients with Severe Sickle Cell Disease; Significant Enrollment Progress Supports First Expected Clinical Data Readout in Second Half of 2024
  • European Clinical Trial Application (CTA) Submitted for BEAM-302; Trial Initiation in Alpha-1 Antitrypsin Deficiency Planned for First Half of 2024
  • nvestigational New Drug (IND) Application for BEAM-301 On-track for First Half of 2024
  • Cash Runway Expected to Support Operating Plans into 2027

Recursion (NASDAQ: RXRX, $10.76, +10.02%), a leading clinical stage TechBio company decoding biology to industrialize drug discovery, presented a demonstration of LOWE (Large Language Model-Orchestrated Workflow Engine) on January 10, its new software designed to perform complex drug discovery tasks using a natural language interface. LOWE is powered by Recursion’s proprietary biological and chemical data and can orchestrate experiments using Recursion’s automated wet laboratories, unleashing the power of the Recursion Operating System in an easy-to-use tool.


Memes stock GameStop Corp. (GME) closed at $14.52, +4.09% as the shorts lost their ongoing daily battle today. 

Shares of AMC, the largest movie exhibition company in the United States, the largest in Europe and the largest throughout the world with approximately 950 theaters and 10,500 screens across the globe, closed today at $4.08, -1.21%. 


On Jan. 05, 2024 StoneCo Ltd. (Nasdaq: STNE, 18.32, +1.22% & +58.89% over the last year) announced that it received from the Brazilian Central Bank (“BCB”) the “Financeira” License, organized as a Sociedade de Crédito, Financiamento e Investimento (SCFI). This license will enable StoneCo, through its subsidiaries, to develop and offer a range of new products, such as time deposits, which shall enhance and diversify the funding sources of the Company.

On Dec. 18, StoneCo Ltd. announced that it has obtained a commitment of US$467.5 million in the form of a revolving securitization facility from the United States International Development Finance Corporation (DFC), an agency of the United States government.

On Nov. 10, STNE reported its financial results for its third quarter ended September 30, 2023. They highlighted a strong quarter with Adjusted EBT reaching R$545 million, up 228% year over year, on accelerating MSMB TPV growth of 19.9%, resulting in Adjusted Net income of R$435 million, up 302% year over year.

Lantern (LTRN), closed at $4.24, -1.40% and is up +.24% at $4.25 in the aftermarket. Lantern is an Artificial Intelligence (AI) firm that is transforming the cost, pace, and timeline of oncology drug discovery and development and specifically is developing targeted and transformative cancer therapies using its proprietary RADR® AI and machine learning (“ML”) platform with multiple clinical stage drug programs.

On Jan. 17, Starlight Therapeutics— a Lantern Pharma (Nasdaq: LTRN) subsidiary focused exclusively on the clinical development of therapies for central nervous system and brain cancers with limited or no effective therapeutic options— announced that Marc Chamberlain, M.D. has joined Starlight as its Chief Medical Officer. Dr. Chamberlain will oversee Starlight’s clinical operations, which currently include planned clinical trials for glioblastoma and other high-grade gliomas, brain metastases in adults, and atypical teratoid rhabdoid tumors (ATRT), and diffuse pontine glioma (DIPG) in children. In his role, Dr. Chamberlain will apply his significant medical, clinical, and pharmaceutical development expertise to advance Starlight’s AI-enabled and accelerated drug development portfolio. Dr. Chamberlain is a leading medical oncologist with an extensive and distinct background in therapeutic development, clinical practice, and academic research with a focus in adult and pediatric neurology and neuro-oncology. His experience before joining Starlight has included serving as the co-director of the neuro-oncology programs at 4 NCI designated cancer centers— Moores Cancer Center at UC San Diego, Norris Cancer Center at USC, Moffit Cancer Center at the University of South Florida, and Fred Hutchinson Cancer Center at the University of Washington. He has also served as medical director for Cascadian Therapeutics, Seattle Genetics, SystImmune, Angiochem, and Pionyr Immunotherapeutics. Dr. Chamberlain has published more than 300 neurology-focused papers in peer-reviewed journals. “Starlight Therapeutics and Lantern Pharma are poised to transform oncology with AI-enabled drug development aimed at providing advanced precision therapeutics for cancers in areas of severely unmet need, such as multiple types of pediatric and adult brain cancers, for which there is currently no cure,” said Panna Sharma, CEO and President of Lantern Pharma. “Dr. Chamberlain’s insight and expertise in neuro-oncology and therapeutic development will be invaluable to the further development of treatments already in the pipeline, and the discovery and development of new future treatments that are so desperately needed by cancer patients, especially in neuro-oncology.” Dr. Chamberlain earned his medical degree at the Columbia University College of Physicians and Surgeons, followed by pediatric and neurology residencies at the University of California, Los Angeles, and a neuro-oncology fellowship at the University of California, San Francisco. “Starlight, in collaboration with Lantern Pharma, is poised to advance its novel central nervous system (CNS) penetrant wholly synthetic acylfulvene, LP-184 (referred to as “STAR-001″ for CNS indications), to target tumors in the brain. We are now preparing for two recurrent glioblastoma studies as part of a larger planned expansion study to assess STAR-001 in subjects who have failed standard-of-care temozolomide and involved field radiotherapy. The development of STAR-001 for use in brain tumors has utilized Lantern’s proprietary RADR® platform of in silico modeling as well as extensive preclinical experimentation in multiple in-vitro and in-vivo models,” said Dr. Chamberlain. “I’m looking forward to working alongside the talented researchers and experts at Lantern and its collaborators at Starlight who have already done so much to advance these treatments. I look forward to working together with our collaborators and clinicians to bring these and many more innovative neuro-oncology treatments to the patients who need them.” Formed in Q1 of 2023, Starlight Therapeutics is leveraging RADR®— Lantern Pharma’s proprietary artificial intelligence and machine learning platform focused on transforming the cost, pace and timeline of oncology drug discovery and development— to research, develop and clinically advance therapeutics for CNS and brain cancers.

On December 20, Target Oncology published an article called “LP-184 May Expand Options for Pancreatic Cancers With DDR Defects.” It begins as follows: LP-184, a novel drug with a unique mechanism targeting prostaglandin reductase 1 (PTGR1) and DNA repair pathways, represents a vital step in expanding treatment options for patients with advanced cancers, including pancreatic cancer, according to Igor Astsaturov, MD, PhD. Read the balance of the article here

On Nov. 30, Lantern announced that the U.S. Food and Drug Administration (FDA) has granted LP-284 Orphan Drug Designation (ODD) for the treatment of high-grade B-cell lymphoma with MYC and BCL2 rearrangements. Lantern highlighted that the Orphan Drug Designation strengthens LP-284’s clinical development path and can provide for additional market exclusivity and commercial protection, Lantern has initiated a first-in-human Phase 1 trial (NCT06132503) for LP-284 in B-cell non-Hodgkin’s lymphomas (NHL), including high-grade B-cell lymphoma (HGBL) and mantle cell lymphoma (MCL), & this Orphan Drug Designation marks the second such designation for drug-candidate LP-284 this year.

Shares of Indaptus Therapeutics, Inc. (Nasdaq: INDP) closed at $1.6855, +1.54 and is up 3.23% at 1.74 in the aftermarket. Indaptus is a company with the ability to harness both the body’s innate and adaptive immune responses, believes that they are uniquely positioned to revolutionize the treatment of cancer and certain infectious diseases. Indaptus Therapeutics has evolved from more than a century of immunotherapy advances. The Company’s novel approach is based on the hypothesis that efficient activation of both innate and adaptive immune cells and pathways and associated anti-tumor and anti-viral immune responses will require a multi-targeted package of immune system-activating signals that can be administered safely intravenously (i.v.). Indaptus’ patented technology is composed of single strains of attenuated and killed, non-pathogenic, Gram-negative bacteria producing a multiple Toll-like receptor (TLR), Nucleotide oligomerization domain (Nod)-like receptor (NLR) and Stimulator of interferon genes (STING) agonist Decoy platform. The products are designed to have reduced i.v. toxicity, but largely uncompromised ability to prime or activate many of the cells and pathways of innate and adaptive immunity. Decoy products represent an antigen-agnostic technology that have produced single-agent activity against metastatic pancreatic and orthotopic colorectal carcinomas, single agent eradication of established antigen-expressing breast carcinoma, as well as combination-mediated eradication of established hepatocellular carcinomas and non-Hodgkin’s lymphomas in standard pre-clinical models, including syngeneic mouse tumors and human tumor xenografts.

On Jan. 4, Indaptus announced that the European Patent Office (EPO) has informed the company that it will grant a European patent related to the company’s platform technology, covering a composition that can be used in the prevention or treatment of viral infections. The patent, titled “Methods of Treatment of Infections Using Bacteria,” (Application 19 866 580.4) provides protections for the application of the Company’s Decoy technology platform alone or in combination with standards of care for the prevention or treatment of any viral infection. The EPO patent will be the second patent granted to Indaptus outside the United States for this application. Jeffrey Meckler, Indaptus Therapeutics CEO, commented, “The continued protection of our intellectual property both in the U.S. and abroad will provide a competitive advantage for the Company, which should ultimately drive significant shareholder value over time. We continue to explore the applications of our technology platform beyond solid tumors, for which we are currently engaged in a Phase 1 clinical trial, and look forward to updating our shareholders on scientific progress.”

In pre-clinical studies tumor eradication was observed with Decoy products in combination with anti-PD-1 checkpoint therapy, low-dose chemotherapy, a non-steroidal anti-inflammatory drug, or an approved, targeted antibody. Combination-based tumor eradication in pre-clinical models produced innate and adaptive immunological memory, involved activation of both innate and adaptive immune cells, and was associated with induction of innate and adaptive immune pathways in tumors after only one i.v. dose of Decoy product, with associated “cold” to “hot” tumor inflammation signature transition. IND-enabling, nonclinical toxicology studies demonstrated safe i.v. administration without sustained induction of hallmark biomarkers of cytokine release syndromes, possibly due to passive targeting to liver, spleen, and tumor, followed by rapid elimination of the product. Indaptus’ Decoy products have also produced significant single agent activity against chronic hepatitis B virus (HBV) and chronic human immunodeficiency virus (HIV) infections in pre-clinical models.

On Nov. 6, Indaptus announced interim data from the first cohort of four patients in the Phase 1 INDP-D101 trial of its lead compound, Decoy20. A broad expression of cytokines and chemokines associated with innate and adaptive anti-tumor immune responses was observed, while adverse events were generally tolerable and resolved within 30 minutes to three days. Decoy20 is designed to “re-set” the immune system’s response to cancer. The poster was presented on November 4, 2023, at the Society for Immunotherapy of Cancer in San Diego.

“We are impressed that we saw short-term induction of more than 50 cytokines, chemokines and biomarkers and believe this is unprecedented with a single agent. These early data support our long-standing hypothesis that the Decoy platform may induce robust immune responses across multiple types of immune cells that we believe are important for the eradication of solid tumors,” commented Indaptus CEO Jeffrey Meckler. Learn more here. 

Also, on Nov. 6, Indaptus announced financial results for the third quarter ended September 30, 2023 and provided a corporate update.

“We continue to be encouraged by early results from our first cohort of patients in the INDP-D101 trial evaluating Decoy20 for the treatment of solid tumors. As we recently reported and presented at the Society for Immunology in Cancer (SITC) conference, all four first cohort patients have maintained stable disease since receiving their single dose and presented evidence of immune activation, along with short-lived adverse events consistent with Decoy20’s mechanism of action, and we look forward to continuing to track them. In the meantime, we have already dosed our first patient in the second cohort, for which we have titrated the dose down in anticipation of a similar response. We continue to expect to have the second cohort completed by early 2024, which would provide guidance for the selection for the recommended Phase 2 dose for subsequent multi-dosing and combination studies, which are also planned for 2024,” said Jeffrey Meckler, Chief Executive Officer of Indaptus. “We are also fortunate to be receiving the benefit of our appointment of industry veteran, Roger Waltzman, M.D., as our Chief Medical Officer, who has already proven valuable even in this short period. We anticipate continuing to benefit from his expertise as we move forward with our Phase 1 trial and further develop the Decoy platform. In the meantime, we are prudently managing our cash position.”

On Sept, 29, Tribe Public hosted a Webinar Presentation and Q&A Event titled “Immunotherapy Reimagined” Indaptus Therapeutics’ (NASDAQ: INDP) CEO, Jeffrey Meckler delivered a presentation & also addressed a 5-10 minute Q&A session at the end of the presentation. You may view it now by clicking here. 

Learn more about Indaptus Therapeutics (NASDAQ: INDP) at the VP Watchlist page by clicking here.
Shares of ADT Inc. (ADT), the most trusted brand in smart home and small business security, closed at $6.69, -.60%.

ADT Inc. (NYSE: ADT), the most trusted brand in smart home and small business security, today announced it will be exiting its residential solar business. The Company will remain focused on cash flow generation and capital-efficient growth within its core security and smart home business. As part of this continued focus, ADT is also advancing its capital allocation strategy, including a cash dividend increase and authorization of a new share repurchase program. Over the first nine months of 2023, ADT’s core business exhibited strong performance, while the solar business faced challenges, including operational difficulties and macroeconomic headwinds causing deterioration of conditions industrywide. As a result of these challenges, the Solar segment generated an Adjusted EBITDA loss of $89 million during this period. Following the previously announced restructuring of its solar footprint and a detailed strategic review, ADT’s Board of Directors has approved the exit of this segment, which may include the transfer of components of the business to other parties. The Company expects to incur certain one-time exit charges and cash expenditures with potential offsets from asset sales or reduced tax expenses. As previously disclosed, as of September 30, 2023, the goodwill balance for the Solar reporting unit was zero. At this time, the Company is still analyzing the estimated net amount or range of amounts expected to be incurred in connection with this plan. Dividend Increase – The Company’s Board of Directors has declared a quarterly cash dividend of $0.055 per share, payable on April 4, 2024, to shareholders of record at the close of business on March 14, 2024. The quarterly dividend represents a 57% increase over the previous quarterly dividend. Share Repurchase Authorization – The Company’s Board of Directors has authorized a $350 million share repurchase program. As the Company executes share repurchases, the Board will periodically review the remaining authorization as part of its capital allocation strategy. Balance Sheet Fortification – Consistent with the plan from its third quarter earnings announcement, on December 29, 2023, the Company repaid $500 million of First Lien Senior Secured Notes due 2024, completing an overall 2023 reduction of ADT’s total debt by approximately $2 billion. Further, following two corporate rating upgrades in 2023, the Company improved borrowing costs and extended debt maturities and in 2024, will have only $150 million of maturities and amortization payments. The Company remains focused on achieving its targeted net leverage ratio of less than 3.0x. Core Investment – On December 20, 2023, the Company closed on a strategic bulk purchase of approximately 57,000 customer accounts for $89 million cash with attractive returns. This portfolio of customers is concentrated in a few key geographies, all of which align with existing platforms, enabling strong economies of scale upon integration. This transaction was not included in prior cash flow guidance. More details and an update on the business will be provided when the Company releases its fourth quarter and full year 2023 results on February 28, 2024. Following the release, management will host a conference call at 10 a.m. ET to discuss the financial results and lead a question-and-answer session.Participants may listen to a live webcast through the investor relations website at investor.adt.com.

Shares of Seanergy Maritime Holdings Corp. (SHIP) closed at $7.69, -4%. Seanergy is known as a leading player in the global shipping industry, being the only pure-play Capesize ship owner publicly listed in the U.S. The company specializes in Capesize shipping, representing the largest dry bulk carriers globally. Seanergy’s operating fleet currently consists of 17 vessels (1 Newcastlemax and 16 Capesize), with an average age of approximately 12.7 years and an aggregate cargo-carrying capacity of approximately 3,054,820 deadweight tons (dwt). The company is incorporated in the Marshall Islands and has executive offices in Glyfada, Greece.
 On Dec. 14, Seanergy announced  that the Board of Directors of the Company (“BOD”) has authorized a new $25 million buyback program (the “Plan”) which can be utilized to repurchase the Company’s common shares and other securities. The Company will also fully repay its last remaining convertible note (the “Note”) pursuant to the terms of the Note. The Note bears a 5.5% coupon, it is the last from a series of convertible notes with aggregate original notional amount of $38.7 million and $3.2 million face value remains outstanding. The full repayment of the Note will preempt potential dilution upon conversion of the Note.
Modular Medical, Inc. (NASDAQ: MODD, $1.81, -5.24% and is up +2.21% at $1.85 in the aftermarket), is a development-stage medical device company that intends to launch the next generation of insulin delivery technology. Using its patented technologies, the company seeks to eliminate the tradeoff between complexity and efficacy, thereby making top quality insulin delivery both affordable and simple to learn. Their mission is to improve access to the highest standard of glycemic control for people with diabetes taking it beyond “superusers” and providing “diabetes care for the rest of us.” Modular Medical was founded by Paul DiPerna, a seasoned medical device professional and microfluidics engineer. Prior to founding Modular Medical, Mr. DiPerna was the founder (in 2005) of Tandem Diabetes and invented and designed its t:slim insulin pump. More information is available at https://modular-medical.com.
On Jan. 24, Modular Medical announced the issuance of U.S. Patent 11,817,197 B2 for the stream-lined pairing of a pump to a mobile device. Paul DiPerna, Chairman and CTO of Modular Medical, commented, “The issuance of this patent is just another step in our mission to use technology to rethink and simplify the adoption of and ability to live with pump technology for patients and caregivers. To address cybersecurity risks and the complexity of pairing multiple devices to talk between a phone and a pump, we added Near-Field Communication (NFC), whereby, just by bringing the phone close to our pump will create a secure connection making it much easier to develop, test and maintain. This patent protects our technology addressing pairing, and, most importantly, the downloading of patient data to allow clinicians to easier upload and review the patients data. The patient’s phone is not required, and a clinician can simply tap the pump to the phone or tablet to pull the data using Bluetooth from patient pumps. In a high-volume practice, such as a busy certified pump trainer’s office, the ability to pull data from several patients quickly is critical. Our patented technology addresses the ability to do this without the tedious step of powering on and pairing with a myriad of new Bluetooth devices. It also simplifies moving the configuration to a new reusable controller, when needed, without using an intermediate device.” Jeb Besser, Modular Medical’s CEO, commented, “Our family of patents, which includes both issued patents and pending applications, around our pump is an important part of our strategic value and market positioning, and we look forward to announcing further patent issuances in the future.”

On Jan. 19, Modular Medical announced the premarket submission of its MODD1 next-generation insulin pump to the FDA for 510(k) clearance. “This is an exciting milestone for the Company, as we seek to change the diabetes market. Almost 30 years after the introduction of the first insulin pump, more than three quarters of those who could benefit from wearing a pump do not wear one. It is our belief that our simplified design will encourage many “almost-pumpers” to adopt technology to aid in their diabetes management, without the complexity and expense required by many of the current solutions,” said Paul DiPerna, Chairman and CTO of Modular Medical.

Jeb Besser, CEO of Modular Medical, stated “Getting a person who requires daily insulin to adopt a pump instead of multiple daily injections can reduce healthcare costs and improve long-term patient outcomes. Pump adoption has been impeded by the ‘three-Cs:’ they are too complex, cumbersome and costly. The MODD1 was designed to be simple and affordable with an attractive form factor. We believe our two-part patch pump design, easy to learn interface and scalable manufacturing will all contribute to a differentiated and lower cost marketing approach. On behalf of the board of directors, I would like to thank the entire Modular Medical team, and all of our stakeholders and shareholders for their support in reaching this point. We expect to receive initial questions from the FDA during the quarter ending June 30, 2023, and we will provide updates, as appropriate. While working with the FDA to gain US clearance, our regulatory effort will now turn to preparing applications to obtain the UKCA mark to enable us to market the MODD1 in the United Kingdom. Operationally, we will move our pilot production line to our manufacturing partner to prepare for commercial launch.”

On Dec. 21, Modular Medical announced a collaboration agreement with Glooko, Inc., a global leader specializing in connected care and remote patient monitoring for diabetes. Integrating with Glooko will allow clinicians and patients to easily review insulin dosing data from the MODD1 pump, when commercially available. In addition, through Glooko’s platform, Dexcom CGMS users will be able to view their glucose levels in the same accessible format in conjunction with their pump data. Glooko’s platform has a broad installed base, which has been deployed in over 30 countries and 8,000 clinical locations. Jeb Besser, CEO of Modular Medical stated,  “We are extremely pleased to add the Glooko technology platform to our diabetes care system making it even easier and more cost effective for us to provide this important capability to our clinical and patient base. Glooko’s mission to improve health outcomes of people with chronic conditions through its personalized, intelligent, connected care platform fits perfectly with our vision of providing an easy to use, affordable delivery technology to give more patients access to better care.”

On Dec. 15, Tribe Public hosted a CEO Presentation and Q&A Webinar Event titled “Diabetes Care For The Rest Of Us”. The co-host for this event was James (Jeb) Besser the CEO of Modular Medical, Inc. (NASDAQ:MODD), a development-stage medical device company that intends to launch the next generation of insulin delivery technology. Using its patented technologies, the company seeks to eliminate the tradeoff between complexity and efficacy, thereby making top quality insulin delivery both affordable and simple to learn. Their mission is to improve access to the highest standard of glycemic control for people with diabetes taking it beyond “superusers” and providing “diabetes care for the rest of us.”  You may view the event video at the Tribe Public YouTube channel now by clicking here.

According to a Reuters story, Affirm Holdings (AFRM, $43.771, +5.88% & +169.52% over the last year) is offering its “buy now, pay later” loans for the first time at self-checkout kiosks at more than 4,500 Walmart (WMT) U.S. stores, the lender said on Tuesday, Dec. 19.

On Jan, 23, NAYA Biosciences Inc. (“NAYA”), a company which has recently signed a definitive merger agreement with INVO Bioscience (INVO, $1.05, +.96%) to establish an expanded, publicly-traded life science company dedicated to increasing patient access to breakthrough treatments in oncology, regenerative medicine, and fertility, today announced that it has entered into a binding letter of intent to acquire Florida Biotechnologies, Inc. a gene therapy company focusing on the treatment of mitochondrial diseases.announced that it has entered into a binding letter of intent to acquire Florida Biotechnologies, Inc. a gene therapy company focusing on the treatment of mitochondrial diseases. “We are delighted to contribute to the emergence of a strong biotech ecosystem leveraging Florida’s academic medical excellence,” commented Florida Biotechnologies cofounder Dr. Peter Kash. “The NAYA leadership team brings an agile entrepreneurial platform, broad development and commercialization experience, and access to public capital, which will unlock the potential of our promising AAV gene therapy platform for mitochondrial genetic diseases. As it expands its clinical pipeline to additional regenerative medicine as well as oncology and fertility programs, NAYA is poised to build a world-class Miami-based biopharmaceutical company.” “We are impressed by the initial safety and efficacy of the AAV gene therapy developed by Florida Biotechnologies and the University of Miami for the treatment of LHON, a rare and debilitating genetic disease with no currently approved therapeutic regimen,” commented NAYA Chairman & CEO Dr. Daniel Teper. “NAYA is committed to accelerating clinical development and Early Patient Access to this breakthrough therapy, which has the potential to achieve curative results in patients with progressive vision loss and blindness.”

On Jan 17, INVO Bioscience, announced that it has filed S-4 registration and preliminary joint proxy statements in connection with the upcoming merger. NAYA has also announced that five new board directors have joined its leadership team effective January 1st, 2024. The additions to the board join Chairman and Chief Executive Officer Dr. Daniel Teper, Vice Chairman Dr. Peter Kash, and Director Gilles Seydoux and will continue post-merger as part of the combined company alongside current INVO CEO Steve Shum. “NAYA is thrilled to welcome new board members with outstanding executive and entrepreneurial track records,” commented NAYA CEO Dr. Daniel Teper. “As we prepare for our merger with INVO, their experience will be key in helping the management team structure our group of companies and secure financing to advance our ambitious growth strategy for 2024 and beyond. Upon closing of the merger with INVO, the NAYA leadership team will focus on scaling up the fertility business through clinic acquisitions and revamped commercialization of INVOcell®, advancing the clinical development of our oncology assets, and building our regenerative medicine portfolio.”

New NAYA Board Members:

Laurent Audoly, PhD is an experienced R&D executive, CEO, and entrepreneur. He is currently executive partner at Apollo Health Ventures and was co-founder & CEO of multiple innovative biotechs, including Kymera Therapeutics (NASDAQ: KYMR), delivering on multi-billion dollar partnerships and scaling companies through multiple stages.

Lyn Falconio, is an accomplished consumer and healthcare marketing leader. She is currently Executive Engagement Lead at Publicis, the 2nd largest communications group in the world, where she launched multiple brands as Chief Marketing Officer.

Prakash Raman, PhD is a seasoned business development executive. He is currently President & CEO at Ribon Therapeutics and was previously Chief Business Development Officer at Flagship Pioneering and Global Head of Business Development at the Novartis Institute of Biomedical Research and Novartis Oncology.

Mark Rothera, MBA is an experienced commercial executive and serial public company CEO. He is currently President & CEO of Viracta Therapeutics (NASDAQ: VIRX) and was previously CEO at Silence Therapeutics (NASDAQ: SLN), Orchard Therapeutics (NASDAQ: ORTX), and Chief Commercial Officer at PTC Therapeutics.

Patrick Tricoli, PharmD, MBA is a an experienced biopharma executive and entrepreneur. He is currently CEO at Nanobiotix USA and Head of Global Business Development at Nanobiotix (NASDAQ: NBTX), where he helped close a multi-billion partnership with Johnson & Johnson. He previously held several leadership positions in corporate and business development and partnerships at Sanofi.

On Dec. 11 Naya announced that new data for its CD38-targeted Flex-NK™ Bispecific Antibody (NY-338, formerly CYT-338) for the treatment of Multiple Myeloma (MM) was published as an abstract in the 2023 American Society of Hematology’s (ASH) meeting supplement of Blood, in the “Multiple Myeloma: Prospective Therapeutic Trials” section. “NAYA is building a portfolio of differentiated clinical-stage oncology therapeutics, starting with two FLEX-NK™ bispecific antibodies acquired from Cytovia Therapeutics,” commented NAYA CEO Dr. Daniel Teper. “We are excited about this new data for our CD38-targeted antibody, which aims to address limitations with the current standard-of-care and offer new options for multiple myeloma patients.”

“The synergistic engagement of NK cells through NKp46 greatly enhances the immunotherapeutic effects of FLEX-NK™ bispecific antibodies, reducing NK cell fratricide, maintaining NK cell levels, and enhancing potency including reversal of NK cell dysfunction,” added Ola Landgren, MD, PhD, co-author of the abstract and Professor of Medicine, Chief of the Myeloma Division, and Leader of the Experimental Therapeutics Program at the University of Miami’s Sylvester Comprehensive Cancer Center. “The data supports initiation of clinical trials to evaluate this promising new therapy and makes it a potential best-in-class anti-CD38 therapeutic for multiple myeloma.”

Learn more about Naya by watching this Tribe Public video event titled “Accelerating Biotech Value Creation” Featuring NAYA Biosciences CEO Dr. Daniel Teper.

Investing & Inspiration

  1. “It takes courage to grow up and become who you really are.” – e. e. cummings
  2. “I can’t change the direction of the wind, but I can adjust my sails to always reach my destination.” – Jimmy Dean
  3. “If you fell down yesterday, stand up today.” – H. G. Wells
  4. “Far and away the best prize that life has to offer is the chance to work hard at work worth doing.” – Theodore Roosevelt
  5. “The power to question is the basis of all human progress.” – Indira Gandhi
  6. “All of us, at certain moments of our lives, need to take advice and to receive help from other people.” – Alexis Carrel
  7. “Put your heart, mind, and soul into even your smallest acts. This is the secret of success.” – Swami Sivananda
  8. “Measure what is measurable, and make measurable what is not so.” – Galileo Galilei
  9. “Seek the lofty by reading, hearing and seeing great work at some moment every day.” – Thornton Wilder
  10. “Everyone is a genius at least once a year. The real geniuses simply have their bright ideas closer together.” – Georg C. Lichtenberg
  11. “The great thing about getting older is that you don’t lose all the other ages you’ve been.” – Madeleine L’Engle
  12. “Cherish your human connections: your relationships with friends and family.” – Joseph Brodsky
  13. “Dream in a pragmatic way.” – Aldous Huxley
  14. “No one has a greater asset for his business than a man’s pride in his work.” – Hosea Ballou
  15. “In life, as in chess, forethought wins.” – Charles Buxton
  16. “Where there is no vision, there is no hope.” – George Washington Carver
  17. “When you arise in the morning, think of what a precious privilege it is to be alive – to breathe, to think, to enjoy, to love.” – Marcus Aurelius
  18. “Order and simplification are the first steps toward the mastery of a subject.” – Thomas Mann
  19. “It always seems impossible until it’s done.” – Nelson Mandel
  20. “Leadership is influence.” – John C. Maxwell
  21. “Civilization began the first time an angry person cast a word instead of a rock.”– Sigmund Freud
  22. “Failure will never overtake me if my determination to succeed is strong enough.” – Og Mandino
  23. “Do what you can, with what you have, where you are.” – Theodore Roosevelt
  24. “It’s remarkable how much long-term advantage people like us have gotten by trying to be consistently not stupid, instead of trying to be very intelligent.” – Charlie Munger
  25. “I’ve got some advice for the young: If you’ve got anything you really want to do, don’t wait until you’re 93.” – Charlie Munger
  26. “Feeling gratitude and not expressing it is like wrapping a present and not giving it.” – William Arthur Ward
  27. “There is an immeasurable distance between late and too late.” – Og Mandino
  28. “The future belongs to those who believe in the beauty of their dreams.” – Eleanor Roosevelt
  29. “We choose our joys and sorrows long before we experience them.” – Khalil Gibran
  30. “The undertaking of a new action brings new strength.” – Richard L. Evans
  31. “Hindsight is always twenty-twenty.” – Billy Wilder
  32. “I’m from the ‘less is more’ school. I had to be in the ‘more is more’ zone with ‘Dallas Buyers Club’, so I was out of my comfort zone, but I had to trust that.” – Jean-Marc Vallee
  33. “I paid more for the Dallas Cowboys than anyone prior than that had ever paid to get involved in sports. But I wanted to be a part of the future of the Dallas Cowboys.” – Jerry Jones
  34. “Trust yourself, you know more than you think you do.” – Benjamin Spock
  35. “It is not enough to have a good mind; the main thing is to use it well.” – Rene Descartes
  36. “Success in creating AI would be the biggest event in human history. Unfortunately, it might also be the last, unless we learn how to avoid the risks.” – Stephen Hawking
  37. “In the future, everyone will be famous for 15 minutes.” – Andy Warhol
  38. “Halloween is not only about putting on a costume, but it’s about finding the imagination and costume within ourselves.” – Elvis Duran
  39. “The dog that trots about finds a bone.” – Golda Meir
  40. “A loving heart is the truest wisdom.” – Charles Dickens
  41. “Out of difficulties grow miracles.” – Jean de la Bruyere
  42. “A leader is one who knows the way, goes the way, and shows the way.” – John C. Maxwell
  43. “I can, therefore I am.” – Simone Weil
  44. “Life is the art of drawing without an eraser.” – John W. Gardner
  45. “Kind words do not cost much. Yet they accomplish much.” – Blaise Pascal
  46. “The smallest deed is better than the greatest intention.” – John Burroughs
  47. “Following the light of the sun, we left the Old World.” – Christopher Columbus
  48. “If opportunity doesn’t knock, build a door.” – Milton Berle
  49. “The greatest use of a life is to spend it on something that will outlast it.” – William James
  50. “Happiness is not something ready made. It comes from your own actions.” – Dalai Lama
  51. “Just because something doesn’t do what you planned it to do doesn’t mean it’s useless.” – Thomas A. Edison
  52. “There are people who have money and people who are rich.” – Coco Chanel
  53. “The young man knows the rules, but the old man knows the exceptions.” – Oliver Wendell Holmes, Sr.
  54. “Let your mind alone, and see what happens.” – Virgil Thomson
  55. “I believe things cannot make themselves impossible.” – Stephen Hawking
  56. “There is nothing more uncommon than common sense.” – Frank Lloyd Wright 
  57. “To begin, begin.” – William Wordsworth
  58. “You can find peace amidst the storms that threaten you.” – Joseph B. Wirthlin
  59. “Everything that is made beautiful and fair and lovely is made for the eye of one who sees.” – Rumi
  60. “The secret of business is to know something that nobody else knows.” – Aristotle Onassis
  61. “Life is the art of drawing without an eraser.” – John W. Gardner
  62. “Learning never exhausts the mind.” – Leonardo da Vinci
  63. “Live as brave men; and if fortune is adverse, front its blows with brave hearts.” – Marcus Tullius Cicero
  64. “It is not in the stars to hold our destiny but in ourselves.” – William Shakespeare
  65. “The end of labor is to gain leisure.” – Aristotle
  66. “Though we travel the world over to find the beautiful, we must carry it with us or we find it not.” – Ralph Waldo Emerson
  67. “Any sufficiently advanced technology is indistinguishable from magic.” – Arthur C. Clarke
  68. “Good questions outrank easy answers.” – Paul Samuelson
  69. “Experience is the teacher of all things.” – Julius Caesar
  70. To see things in the seed, that is genius.” – Lao Tzu
  71. “Lend yourself to others, but give yourself to yourself.” – Michel de Montaigne
  72. “People are not disturbed by things, but by the view they take of them.” – Epictetus
  73. “Knowledge comes, but wisdom lingers.” – Alfred Lord Tennyson
  74. “Hitch your wagon to a star.” – Ralph Waldo Emerson
  75. “If fear is cultivated it will become stronger, if faith is cultivated it will achieve mastery.” – John Paul Jones
  76. “Great minds discuss ideas; average minds discuss events; small minds discuss people.” –  Eleanor Roosevelt
  77. “Happiness is a direction, not a place.” – Sydney J. Harris
  78. “Don’t let making a living prevent you from making a life.” – John Wooden
  79. “The secret of your future is hidden in your daily routine.” – Mike Murdock
  80. “We boil at different degrees.” – Clint Eastwood
  81. “If we open a quarrel between past and present, we shall find that we have lost the future.” – Winston Churchill
  82. “Hope is patience with the lamp lit.” – Tertullian
  83. “All human wisdom is summed up in two words; wait and hope.” – Alexandre Dumas
  84. “Forgiveness is the key to action and freedom.” – Hannah Arendt
  85. “The unexamined life is not worth living.” – Socrates
  86. “I never think of the future – it comes soon enough.” – Albert Einstein
  87. “Today you are you! That is truer than true! There is no one alive who is you-er than you!” – Dr. Seuss
  88. “We live in a rainbow of chaos.” – Paul Cezanne
  89. “Real knowledge is to know the extent of one’s ignorance.” – Confucius
  90. “Better keep yourself clean and bright; you are the window through which you must see the world.” – George Bernard Shaw
  91. “Life consists not in holding good cards but in playing those you hold well.” – Josh Billings
  92. “The traveler sees what he sees, the tourist sees what he has come to see.” – Gilbert K. Chesterton
  93. “Goodness is the only investment that never fails.” – Henry David Thoreau
  94. “The return we reap from generous actions is not always evident.” – Francesco Guicciardini
  95. “Courage is knowing what not to fear.”– Plato
  96. “Freedom means the opportunity to be what we never thought we would be.” – Daniel J. Boorstin
  97. “Fishes live in the sea, as men do a-land; the great ones eat up the little ones.” – William Shakespeare
  98. “A man is what he thinks about all day long.” – Ralph Waldo Emerson
  99. “There are two ways of spreading light: to be the candle or the mirror that reflects it.” – Edith Wharton
  100. “We cannot live only for ourselves. A thousand fibers connect us with our fellow men.” – Herman Melville
  101. “Childhood is a short season” – Helen Hayes
  102. “Formula for success: rise early, work hard, strike oil.” – J. Paul Getty
  103. “The hardest arithmetic to master is that which enables us to count our blessings.” – Eric Hoffer
  104. “I fear not the man who has practiced 10,000 kicks once, but I fear the man who has practiced one kick 10,000 times.” – Bruce Lee
  105. “There are no shortcuts in evolution.” – Louis D. Brandeis
  106. “Hope is the only bee that makes honey without flowers.” – Robert Green Ingersoll
  107. “Our happiness depends on wisdom all the way.” – Sophocles
  108. “Life is the art of drawing without an eraser.” – John W. Gardner
  109. “Give light and people will find the way.” – Ella Baker
  110. “Without craftsmanship, inspiration is a mere reed shaken in the wind.” – Johannes Brahms
  111. “Either move or be moved.” – Ezra Pound
  112. “Time is but the stream I go a-fishing in.” – Henry David Thoreau
  113. “It’s easy to make a buck. It’s a lot tougher to make a difference.” – Tom Brokaw
  114. “If you can’t stand the heat, get out of the kitchen.” – Harry S Truman
  115. “Remember upon the conduct of each depends the fate of all.” – Alexander the Great
  116. “Silence is the sleep that nourishes wisdom.” – Francis Bacon
  117. “Have patience. All things are difficult before they become easy.” – Saadi
  118. “No man ever steps in the same river twice, for it’s not the same river and he’s not the same man.” – Heraclit
  119. “An effort made for the happiness of others lifts above ourselves.” – Lydia M. Child
  120. “It is amazing what you can accomplish if you do not care who gets the credit.” – Harry S Truman
  121. “If you do not think about your future, you cannot have one.” – John Galsworthy
  122. “Your own mind is a sacred enclosure into which nothing harmful can enter except by your permission.” – Arnold Bennett
  123. “There is always risk involved. You can’t be a capitalist only when there are investment profits but then a socialist when you experience losses.” – Cristina Kirchner
  124. “I hear, I know. I see, I remember. I do, I understand.” – Confucius
  125. “He has achieved success who has worked well, laughed often, and loved much.” – Elbert Hubbard
  126. “Nobody who ever gave his best regretted it.” – George Halas
  127. “We must not allow other people’s limited perceptions to define us.” – Virginia Satir
  128. “There is a wisdom of the head, and a wisdom of the heart.” – Charles Dickens
  129. “Perfection is the child of time.” – Joseph Hall
  130. “No matter what people tell you, words and ideas can change the world.” – Robin Williams
  131. “Find something you’re passionate about and keep tremendously interested in it.” – Julia Child
  132. “The glow of one warm thought is to me worth more than money.” – Thomas Jefferson
  133. “Between stimulus and response there is a space. In that space is our power to choose our response. In our response lies our growth and our freedom.” – Viktor E. Frankl
  134. “Progress lies not in enhancing what is, but in advancing toward what will be.” – Khalil Gibran
  135. “Cherish all your happy moments; they make a fine cushion for old age.” – Booth Tarkington
  136. “The most effective way to do it, is to do it.” – Amelia Earhart
  137. “If you’re going through hell, keep going.” – Winston Churchill
  138. “The only sure weapon against bad ideas is better ideas.” – Alfred Whitney Griswold
  139. “Words are, of course, the most powerful drug used by mankind.” – Rudyard Kipling
  140. “The more things change, the more they are the same.” – Alphonse Karr
  141. “Of all possessions a friend is the most precious.” – Herodotus
  142. “Everything has beauty, but not everyone sees it.” – Confucius
  143. “The man who is swimming against the stream knows the strength of it.” – Woodrow Wilson
  144. “Success is the sum of small efforts – repeated day in and day out.” – Robert Collier
  145. “You exist only in what you do.” – Federico Fellini
  146. “Most people have the will to win, few have the will to prepare to win.” – Bobby Knight
  147. “The true art of memory is the art of attention.” – Samuel Johnson
  148. The secret of happiness is something to do.” – John Burroughs
  149. “A will finds a way.” – Orison Swett Marden
  150. “To live is to think.” – Marcus Tullius Cicero
  151. “The sea hath fish for every man.” – William Camden
  152. “What is called genius is the abundance of life and health.” – Henry David Thoreau
  153. “Prosperity tries the fortunate, adversity the great.” – Rose Kennedy
  154. “No one can figure out your worth but you.” – Pearl Bailey
  155. “Let there be work, bread, water and salt for all.” – Nelson Mandela
  156. “When one paints an ideal, one does not need to limit one’s imagination.” – Ellen Key
  157. “Perfection is attained by slow degrees; it requires the hand of time.” – Voltaire
  158. “Time passes irrevocably.” – Virgil
  159. “The world of reality has its limits; the world of imagination is boundless.” – Jean-Jacques Rousseau
  160. “The time you enjoy wasting is not wasted time.” – Bertrand Russell
  161. “Mastering others is strength. Mastering yourself is true power.” – Lao Tzu
  162. “You begin with the possibilities of the material.” – Robert Rauschenberg
  163. “If you live to be a hundred, I want to live to be a hundred minus one day so I never have to live without you.” – A. A. Milne
  164. “The only way to discover the limits of the possible is to go beyond them into the impossible.” – Arthur C. Clarke
  165. “Do not dwell in the past, do not dream of the future, concentrate the mind on the present moment.” – Buddha
  166. “Curiosity will conquer fear even more than bravery will.” – James Stephens
  167. “There are years that ask questions and years that answer.” – Zora Neale Hurston
  168. “The best and most beautiful things in the world cannot be seen or even touched – they must be felt with the heart.” – Helen Keller
  169. “Every failure is a step to success.” – William Whewell
  170. “If you aren’t fired with enthusiasm, you will be fired with enthusiasm.” – Vince Lombardi
  171. “Either you run the day or the day runs you.” – Jim Rohn
  172. “A computer once beat me at chess, but it was no match for me at kick boxing.” – Emo Philips
  173. “I attribute my success to this – I never gave or took any excuse.” – Florence Nightingale
  174. “I can’t change the direction of the wind, but I can adjust my sails to always reach my destination.” – Jimmy Dean
  175. “If you fell down yesterday, stand up today.” – H. G. Wells
  176. “The world breaks everyone, and afterward, some are strong at the broken places.” – Ernest Hemingway
  177. “The quality, not the longevity, of one’s life is what is important.” – Martin Luther King, Jr.
  178. “You can’t expect to hit the jackpot if you don’t put a few nickels in the machine.” – Flip Wilson
  179. “Put your heart, mind, and soul into even your smallest acts. This is the secret of success.” – Swami Sivananda
  180. “If the highest aim of a captain were to preserve his ship, he would keep it in port forever.” – Thomas Aquinas
  181. “The secret of your future is hidden in your daily routine.” – Mike Murdock
  182. “Happiness is not a matter of intensity but of balance, order, rhythm and harmony.” – Thomas Merton
  183. “Seek the lofty by reading, hearing and seeing great work at some moment every day.” – Thornton Wilder
  184. “Once you bring life into the world, you must protect it. We must protect it by changing the world.” – Elie Wiesel
  185. “Let us permit nature to have her way. She understands her business better than we do.” – Michel de Montaigne
  186. “Great minds have purposes; others have wishes.” – Washington Irving
  187. “The great thing about getting older is that you don’t lose all the other ages you’ve been.” – Madeleine L’Engle
  188. “If you’re alive, there’s a purpose for your life.” – Rick Warren
  189. “Dream in a pragmatic way.” – Aldous Huxley
  190. “The works must be conceived with fire in the soul but executed with clinical coolness.” – Joan Miro
  191. “Memories are the key not to the past, but to the future.” – Corrie Ten Boom
  192. “Great minds discuss ideas; average minds discuss events; small minds discuss people.” – Eleanor Roosevelt
  193. “Failure will never overtake me if my determination to succeed is strong enough.” – Og Mandino
  194. “I think about my work every minute of the day.” – Jeff Koons
  195. “I restore myself when I’m alone.” –  Marilyn Monroe
  196. “Success is peace of mind which is a direct result of self-satisfaction in knowing you did your best to become the best you are capable of becoming.” – John Wooden
  197. “Courage is found in unlikely places.” – J. R. R. Tolkien
  198. “The first wealth is health.” – Ralph Waldo Emerson
  199. “Courage is found in unlikely places.” – J. R. R. Tolkien
  200. “Do what you can, with what you have, where you are.” – Theodore Roosevelt
  201. “A good beginning makes a good end.” – Louis L’Amour
  202. “What you do today can improve all your tomorrows.” – Ralph Marston
  203. “One that would have the fruit must climb the tree.” – Thomas Fuller
  204. “Joy in looking and comprehending is nature’s most beautiful gift.” – Albert Einstein
  205. “The future belongs to those who believe in the beauty of their dreams.” – Eleanor Roosevelt
  206. “Never go to bed mad. Stay up and fight.” – Phyllis Diller
  207. “The undertaking of a new action brings new strength.” – Richard L. Evans
  208. “It’s kind of fun to do the impossible.” – Walt Disney
  209. “Real riches are the riches possessed inside.” – B. C. Forbes
  210. “Reject your sense of injury and the injury itself disappears.” – Marcus Aurelius
  211. “It is not enough to have a good mind; the main thing is to use it well.” – Rene Descartes
  212. “A leader is one who knows the way, goes the way, and shows the way.” – John C. Maxwell
  213. “It takes an endless amount of history to make even a little tradition.” – Henry James”It’s not what you pay a man, but what he costs you that counts.” – Will Rogers
  214. “Halloween is not only about putting on a costume, but it’s about finding the imagination and costume within ourselves.” – Elvis Duran
  215. “Everything in the world may be endured except continual prosperity.” – Johann Wolfgang von Goethe
  216. “Where is all the knowledge we lost with information?” – T. S. Eliot
  217. “All I ask is the chance to prove that money can’t make me happy.” – Spike Milligan
  218. “Out of difficulties grow miracles.” – Jean de la Bruyere
  219. “Nine-tenths of wisdom is being wise in time.” – Theodore Roosevelt
  220. “Time is money.” – Benjamin Franklin
  221. “I can, therefore I am.” – Simone Weil
  222. “Where there is no vision, there is no hope.” – George Washington Carver
  223. “Greatness is a road leading towards the unknown.” – Charles de Gaulle
  224. “Kind words do not cost much. Yet they accomplish much.” – Blaise Pascal
  225. “The world is round so that friendship may encircle it.” – Pierre Teilhard de Chardin
  226. “Our deeds determine us, as much as we determine our deeds.” – George Eliot
  227. The greatest use of a life is to spend it on something that will outlast it.” – William James
  228. “Happiness is not something ready made. It comes from your own actions.” – Dalai Lama
  229. “If opportunity doesn’t knock, build a door.” – Milton Berle
  230. “I would define, in brief, the poetry of words as the rhythmical creation of Beauty.” – Edgar Allan Poe
  231. “There are people who have money and people who are rich.” – Coco Chanel
  232. “The young man knows the rules, but the old man knows the exceptions.” – Oliver Wendell Holmes, Sr.
  233. “The past always looks better than it was. It’s only pleasant because it isn’t here.” – Finley Peter Dunne
  234. “With the new day comes new strength and new thoughts.” – Eleanor Roosevelt
  235. “Give me the luxuries of life and I will willingly do without the necessities.” – Frank Lloyd Wright
  236. “To begin, begin.” – William Wordsworth
  237. “You can find peace amidst the storms that threaten you.” – Joseph B. Wirthlin
  238. “Nobody made a greater mistake than he who did nothing because he could do only a little.” – Edmund Burke
  239. “Whenever you find yourself on the side of the majority, it is time to pause and reflect.” – Mark Twain
  240. “Adapt or perish, now as ever, is nature’s inexorable imperative.” – H. G. Wells
  241. “Won’t be long before we view gasoline cars the same way we view steam engines today.” – Elon Musk
  242. “The aim of life is to live, and to live means to be aware, joyously, drunkenly, serenely, divinely aware.” – Henry Miller
  243. “It is not in the stars to hold our destiny but in ourselves.” – William Shakespeare“Opportunity is missed by most people because it is dressed in overalls and looks like work.” – Thomas A. Edison“Experience is one thing you can’t get for nothing.” – Oscar Wilde
  244. “Any sufficiently advanced technology is indistinguishable from magic.” – Arthur C. Clarke
  245. “Good questions outrank easy answers.” – Paul Samuelson
  246. “Thinking: the talking of the soul with itself.” – Plato
  247. “I don’t think of all the misery but of the beauty that still remains.” – Anne Frank
  248. “All money is a matter of belief.” – Adam Smith
  249. “People are not disturbed by things, but by the view they take of them.” – Epictetus
  250. “Uncertainty is seen to retard investment independently of considerations of risk or expected return.” – Ben Bernanke
  251. “I never called my work an ‘art’. It’s part of show business, the business of building entertainment.” – Walt Disney
  252. “Hitch your wagon to a star.” – Ralph Waldo Emerson
  253. “The greatest remedy for anger is delay.” – Lucius Annaeus Seneca
  254. “Great minds discuss ideas; average minds discuss events; small minds discuss people.” – Eleanor Roosevelt
  255. “Act as if what you do makes a difference. It does.” – William James
  256. “Success – keeping your mind awake and your desire asleep.” – Walter Scott
  257. “If I had to live my life again, I’d make the same mistakes, only sooner.” – Tallulah Bankhead
  258. “When one must, one can.” – Charlotte Whitton
  259. “Wealth consists not in having great possessions, but in having few wants.” – Epictetus
  260. “If we open a quarrel between past and present, we shall find that we have lost the future.” – Winston Churchill
  261. “Hope is patience with the lamp lit.” – Tertullian
  262. “A single sunbeam is enough to drive away many shadows.” – Francis of Assisi
  263. “With the past, I have nothing to do; nor with the future. I live now.” – Ralph Waldo Emerson
  264. “Laziness may appear attractive, but work gives satisfaction.” – Anne Frank
  265. “I never think of the future – it comes soon enough.” – Albert Einstein
  266. “Hope is but the dream of those who wake.” – Matthew Prior
  267. “The more sand that has escaped from the hourglass of our life, the clearer we should see through it.” – Jean Paul
  268. “Real knowledge is to know the extent of one’s ignorance.” – Confucius
  269. “Better keep yourself clean and bright; you are the window through which you must see the world.” – George Bernard Shaw
  270. “Nothing great in the world has ever been accomplished without passion.” – Georg Wilhelm Friedrich Hegel
  271. “History is a vast early warning system.” – Norman Cousins
  272. “We first make our habits, and then our habits make us.” – John Dryden
  273. “The traveler sees what he sees, the tourist sees what he has come to see.” – Gilbert K. Chesterton
  274. “Adventure is worthwhile.” – Aesop
  275. “We must build dikes of courage to hold back the flood of fear.” – Martin Luther King, Jr.
  276. “The return we reap from generous actions is not always evident.” – Francesco Guicciardini
  277. “Courage is knowing what not to fear.” – Plato
  278. “Science may never come up with a better office communication system than the coffee break.” – Earl Wilson
  279. “Progress was all right. Only it went on too long.” – James Thurber
  280. “If you would know strength and patience, welcome the company of trees.” – Hal Borland
  281. “We aim above the mark to hit the mark.” – Ralph Waldo Emerson
  282. “Hope is being able to see that there is light despite all of the darkness.” – Desmond Tutu
  283. “Our chief want is someone who will inspire us to be what we know we could be.” – Ralph Waldo Emerson
  284. “Patience is a virtue, and I’m learning patience. It’s a tough lesson.” – Elon Musk
  285. “Great things are done when men and mountains meet.” – William Blake
  286. “The man who has no imagination has no wings.” – Muhammad Ali
  287. “Formula for success: rise early, work hard, strike oil.” – J. Paul Getty
  288. “Action is the foundational key to all success.” – Pablo Picasso
  289. “Hope is like the sun, which, as we journey toward it, casts the shadow of our burden behind us.” – Samuel Smiles
  290. “The backbone of surprise is fusing speed with secrecy.” – Carl von Clausewitz
  291. “There are no shortcuts in evolution.” – Louis D. Brandeis
  292. “I am fascinated by what is beautiful, strong, healthy, what is living. I seek harmony.” – Leni Riefenstahl
  293. “If one advances confidently in the direction of his dreams, and endeavors to live the life which he has imagined, he will meet with a success unexpected in common hours.” – Henry David Thoreau
  294. “Waste no more time arguing about what a good man should be. Be one.” – Marcus Aurelius
  295. “It is during our darkest moments that we must focus to see the light.” – Aristotle Onassis
  296. “Courage is fear holding on a minute longer.” – George S. Patton
  297. “You must be the change you wish to see in the world.” – Mahatma Gandhi
  298. “Don’t judge each day by the harvest you reap but by the seeds that you plant.” – Robert Louis Stevenson
  299. “It is in the character of very few men to honor without envy a friend who has prospered.” – Aeschylus
  300. “Life is a series of natural and spontaneous changes. Don’t resist them – that only creates sorrow. Let reality be reality. Let things flow naturally forward in whatever way they like.” – Lao Tzu
  301. “The more you praise and celebrate your life, the more there is in life to celebrate.” – Oprah Winfrey
  302. “Anything simple always interests me.” – David Hockney
  303. “He who angers you conquers you.” – Elizabeth Kenny
  304. “Concision in style, precision in thought, decision in life.” – Victor Hugo
  305. “The secret of genius is to carry the spirit of the child into old age, which means never losing your enthusiasm.” – Aldous Huxley
  306. “View health as an investment, not an expense.” – John Quelch

“The most effective way to do it, is to do it.” – Amelia Earhart
“Man needs his difficulties because they are necessary to enjoy success.” – A. P. J. Abdul Kalam
“Do not dwell in the past, do not dream of the future, concentrate the mind on the present moment.” – Buddha
“Nobody made a greater mistake than he who did nothing because he could do only a little.” – Edmund Burke
“You must do the things you think you cannot do.”- Eleanor Roosevelt
“Success is dependent on effort.” – Sophocles
“Nobody who ever gave his best regretted it.” – George Halas
“Lots of people want to ride with you in the limo, but what you want is someone who will take the bus with you when the limo breaks down.” ~ Oprah Winfrey
“And when I breathed, my breath was lightning.” – Black Elk
“Moderation is the silken string running through the pearl chain of all virtues.” – Joseph Hall
“You are the sum total of everything you’ve ever seen, heard, eaten, smelled, been told, forgot – it’s all there. Everything influences each of us, and because of that I try to make sure that my experiences are positive.” – Maya Angelou
“If you want a guarantee, buy a toaster.” – Clint Eastwood
“We are an impossibility in an impossible universe.” – Ray Bradbury
“If you think in terms of a year, plant a seed; if in terms of ten years, plant trees; if in terms of 100 years, teach the people.” – Confucius
“I’d rather attempt to do something great and fail than to attempt to do nothing and succeed.” – Robert H. Schuller
“Do your little bit of good where you are; it’s those little bits of good put together that overwhelm the world.” Desmond Tutu
“It takes considerable knowledge just to realize the extent of your own ignorance.” – Thomas Sowell
“Do not dwell in the past, do not dream of the future, concentrate the mind on the present moment.” – Buddha”
Surprise is the greatest gift which life can grant us.” – Boris Pasternak
“Trust in dreams, for in them is hidden the gate to eternity.” – Khalil Gibran
“Always be yourself, express yourself, have faith in yourself, do not go out and look for a successful personality and duplicate it.” – Bruce Lee
“All life is an experiment. The more experiments you make the better.” – Ralph Waldo Emerson
“There are no secrets to success. It is the result of preparation, hard work, and learning from failure.” – Colin Powell
“There is more to life than increasing its speed.” – Mahatma Gandhi
“Your attitude is like a box of crayons that color your world. Constantly color your picture gray, and your picture will always be bleak. Try adding some bright colors to the picture by including humor, and your picture begins to lighten up.” – Allen Klein
“Definiteness of purpose is the starting point of all achievement.” – W. Clement Stone
“Success usually comes to those who are too busy to be looking for it.” – Henry David Thoreau
“In matters of truth and justice, there is no difference between large and small problems, for issues concerning the treatment of people are all the same.” – Albert Einstein
“Life is too short for long-term grudges.” – Elon Musk
“There cannot be a crisis next week. My schedule is already full.” – Henry Kissinger
“Success consists of getting up just one more time than you fall.” – Oliver Goldsmith
“The Earth is the cradle of humanity, but mankind cannot stay in the cradle forever.” – Konstantin Tsiolkovsky
“Ours is a world of nuclear giants and ethical infants. We know more about war that we know about peace, more about killing that we know about living.” – Omar N. Bradley
“Beauty surrounds us, but usually we need to be walking in a garden to know it.” – Rumi
“But man is not made for defeat. A man can be destroyed but not defeated.” – Ernest Hemingway
“Don’t watch the clock; do what it does. Keep going.” – Sam Levenson
“Let there be work, bread, water and salt for all.” – Nelson Mandela
“The social object of skilled investment should be to defeat the dark forces of time and ignorance which envelope our future.” – John Maynard Keynes
“A successful society is characterized by a rising living standard for its population, increasing investment in factories and basic infrastructure, and the generation of additional surplus, which is invested in generating new discoveries in science and technology.” – Robert Trout
“I know not with what weapons World War III will be fought, but World War IV will be fought with sticks and stones.” – Albert Einstein
“It is the fight alone that pleases us, not the victory.” – Blaise Pascal
“If you can’t describe what you are doing as a process, you don’t know what you’re doing.” – W. Edwards Deming
“Never interrupt your enemy when he is making a mistake.” – Napoleon Bonaparte
“Be sure you put your feet in the right place, then stand firm.” – Abraham Lincoln
“Without investment there will not be growth, and without growth there will not be employment.” – Muhtar Kent
“You have to do your own growing no matter how tall your grandfather was.” – Abraham Lincoln
“Victory has a thousand fathers, but defeat is an orphan.” – John F. Kennedy
“Delete the negative; accentuate the positive!” – Donna Karan
“It’s crazy how fast time flies and how things progress.” – Nathan Chen
“The world is a dangerous place to live; not because of the people who are evil, but because of the people who don’t do anything about it.” – Albert Einstein
“Life isn’t about finding yourself. Life is about creating yourself.” – George Bernard Shaw
“Everything has beauty, but not everyone sees it.” – Confucius
“A man must be big enough to admit his mistakes, smart enough to profit from them, and strong enough to correct them.” – John C. Maxwell
“Walking with a friend in the dark is better than walking alone in the light.” – Helen Keller
“A man who dares to waste one hour of time has not discovered the value of life.” – Charles Darwin
“The greater danger for most of us lies not in setting our aim too high and falling short; but in setting our aim too low, and achieving our mark.” – Michelangelo
“Progress is man’s ability to complicate simplicity.” – Thor Heyerdahl
“I like to encourage people to realize that any action is a good action if it’s proactive and there is positive intent behind it.” – Michael J. Fox
“Nothing is impossible, the word itself says ‘I’m possible’!” – Audrey Hepburn
“But investment in space stimulates society, it stimulates it economically, it stimulates it intellectually, and it gives us all passion.” – Bill Nye
“Bitcoin, in the short or even long term, may turn out be a good investment in the same way that anything that is rare can be considered valuable. Like baseball cards. Or a Picasso.” – Andrew Ross Sorkin
“Life is a tragedy when seen in close-up, but a comedy in long-shot.” – Charlie Chaplin
“No matter what you’re going through, there’s a light at the end of the tunnel and it may seem hard to get to it but you can do it and just keep working towards it and you’ll find the positive side of things.” – Demi Lovato
“Infrastructure investment in science is an investment in jobs, in health, in economic growth and environmental solutions.” – Oren Etzioni
“Educating our children and giving them the skills they need to compete in a global economy is a smart investment in our country’s future.” – Sheldon Whitehouse
“Know thy self, know thy enemy. A thousand battles, a thousand victories.” – Sun Tzu
“If one does not know to which port one is sailing, no wind is favorable.” – Lucius Annaeus Seneca
“Beware of missing chances; otherwise it may be altogether too late some day.” – Franz Liszt
“The sofa is a really important investment for anybody, and I don’t mean financially. You need to find a really great sofa that can transition with you, and you can build from there.” – Jeremiah Brent
“There is no investment you can make which will pay you so well as the effort to scatter sunshine and good cheer through your establishment.” – Orison Swett Marden
“Nothing in life is to be feared, it is only to be understood. Now is the time to understand more, so that we may fear less.” – Marie Curie
“There is little that can withstand a man who can conquer himself.” – Louis XIV
“In tennis, you strike a ball just after the rebound for the fastest return. It’s the same with investment.” – Masayoshi Son
“A camel makes an elephant feel like a jet plane.” – Jackie Kennedy
“The advance of technology is based on making it fit in so that you don’t really even notice it, so it’s part of everyday life.” – Bill Gates
“Success depends upon previous preparation, and without such preparation there is sure to be failure.” – Confucius, Chinese
“Coming together is a beginning; keeping together is progress; working together is success.” – Edward Everett Hale
“Never do anything against conscience even if the state demands it.”– Albert Einstein
“Education is not only a ladder of opportunity, but it is also an investment in our future.” – Ed Markey
“The true measure of a man is how he treats someone who can do him absolutely no good.” – Samuel Johnson
“In my view, the biggest investment risk is not the volatility of prices, but whether you will suffer a permanent loss of capital. Not only is the mere drop in stock prices not risk, but it is an opportunity. Where else do you look for cheap stocks?” – Li Lu
“A successful society is characterized by a rising living standard for its population, increasing investment in factories and basic infrastructure, and the generation of additional surplus, which is invested in generating new discoveries in science and technology.” – Robert Trout
“The best preparation for tomorrow is doing your best today.” – H. Jackson Brown, Jr.
“Friendship marks a life even more deeply than love. Love risks degenerating into obsession, friendship is never anything but sharing.” – Elie Wiesel
“Investing in women’s lives is an investment in sustainable development, in human rights, in future generations – and consequently in our own long-term national interests.” – Liya Kebede
“Success isn’t measured by money or power or social rank. Success is measured by your discipline and inner peace.” – Mike Ditka
“No matter how many goals you have achieved, you must set your sights on a higher one.” – Jessica Savitch
“Start where you are. Use what you have. Do what you can.”– Arthur Ashe
“The secret of getting ahead is getting started.” – Mark Twain
“The amount of work and the amount of both physical and emotional investment it takes to get to the top.” – Drew Bledsoe