Stocks & Yields Slide To Begin The President’s Day Holiday-Shortened Week – $DFS $INDP $IOVA $MODD $VZIO $WMT Rise!

By John F. Heerdink, Jr.

Quote of the Day — “There is a thin line that separates laughter and pain, comedy and tragedy, humor and hurt.” – Erma Bombeck

Happy Tuesday!

I hope all is well on this first day back post the long President’s Day holiday weekend. The stock market began the holiday-shortened week of trading on a relatively negatively biased day where the US macroeconomic schedule offered a single report, the Leading Economic Indicators Index report that confirmed a .4% drop in January. On the international front, China moved to cut its key mortgage rate by a record amount in a move to halt their property crisis. Broadly stocks began and ended the day in the red and the yield curve pulled back as the 2-yr note closed at 4.62%, -3bps & the 10-yr note yield closed at 4.28%, -2bps. Oil prices also closed lower at 78.27/bbl. -1.16% after last week’s run up, The US Dollar Index also dropped by .21% to close at $104.07, however, the CBOE Volatility Index (^VIX) closed at $15.42 and up 4.83% on the day and hit a high of $15.91 during intraday trading.

At the end of today’s session the Dow 30 closed at 38,563.80 (-.17%) as Walmart (WMT, $175.86, +3.23%) confirmed plans to acquire smart TV maker Vizio (VZIO, $11,.08, +16.26%) for $2.3B, or $11.50 per share. Walmart also raised its annual dividend 9% to $.83 per share, the largest increase in over 10 years, while also reporting strong revenue growth of 5.7% with operating income growing faster at 30.4%; adjusted operating income up 13.2%. On Jan. 30, Walmart announced that it will conduct a split of its outstanding shares of common stock at a ratio of 3:1. The stock split is part of Walmart’s ongoing review of optimal trading and spread levels and its desire for its associates to feel that purchasing shares is easily within reach. More than 400,000 associates participate in Walmart’s Associate Stock Purchase Plan today, which allows eligible associates to buy stock conveniently through payroll deductions and provides a 15% company match on the first $1,800 each year. The S&P 500 closed at 4,975.51 (-.60%). The Nasdaq closed at 15,630.78 (-.92%), while Cathie Wood’s ARK Innovation ETF (ARKK) closed at $48.69, -3.26%. The Magnificent Seven closed as follows: Alphabet (GOOG) closed at $142.20, +.31%, Amazon (AMZN) closing at $167.08, -1.43%, Apple (AAPL) closing at $181.56, -.41%, Meta Platforms (META) closing at $471.75, -.33%, Microsoft (MSFT) closing at $402.79, -.31%, & NVIDIA (NVDA) closing at $694.52, -4.35%, while investors await their earnings release due out this Wednesday. Goldman Sachs raised their target price to $800 a week ago Monday last week. Finally, Tesla (TSLA) closed at $193.76, -3.10% and is now down 22.02% YTD. The small caps on the Russell 2000 also slipped and closed at 2,004.14 (-1.41%).

Overall today, biotech stocks that make up the SPDR S&P Biotech ETF (XBI) closed at $92.38, -.83%. The iShares Biotechnology ETF (IBB) closed at $134.87, -.63%. The 52-range is $111.83 – $139.49. The iShares U.S. Healthcare ETF (IYH) closed at $304.14, -.40%.

Cagent Vascular, Inc., a rapidly growing commercial stage medical device company, today announced a Series C Financing close in excess of $30M. U.S. Venture Partners (USVP), led the round. Participation included new investor Blue Ridge Medical, LLC and existing investors, including Sectoral Asset Management.

The SPDR S&P Regional Banking ETF (KRE) closed at $48.33, -.78% and the SPDR S&P Bank ETF (KBE) closed at $44.15, -.65%. Discover Financial Services (DFS) closed at $124.42, +12.6% and announced that it will be acquired by Capital One (COF) that closed at $137.39,+0.1% in all-stock transaction in a deal that is valued at $35.3B

Around the crypto and precious metals’ tree, Bitcoin (BTC) traded to $52,164.95, +,36% over the last 24 hours at the time of this writing, while Coinbase Global (COIN) closed at $173.30, -3.89%.

Gold prices closed at $2,029, +$12/oz. & silver closed at $23.09, +$.08/oz. on the day. The SPDR Gold Shares ETF (GLD) closed at $187.47, +.61% today and up 9.47% over the last year.

MOVERS

Iovance Biotherapeutics, Inc. (IOVA, $20.03, +31.48%), a biotechnology company focused on innovating, developing, and delivering novel polyclonal tumor infiltrating lymphocyte (“TIL”) therapies for patients with cancer, today announced the pricing of an underwritten offering of 23,014,000 shares of its common stock at an offering price of $9.15 per share. The gross proceeds from the offering, before deducting the underwriting discounts and commissions and other estimated offering expenses payable by Iovance, are expected to be approximately $211 million. The offering is expected to close on or about February 22, 2024, subject to customary closing conditions.

MEMES CENTRAL

Memes stock GameStop Corp. (GME) closed at $13.49, -4.46% as the shorts won 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 $4.66, -3.52%. AMC will report its results for the fourth quarter and full year ended December 31, 2023, after the market closes on Wednesday, February 28, 2024.

VP WATCHLIST UPDATES

Lantern (LTRN), closed at $3.99, -.3.62% and is up 1.05% to $4.05 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 Feb. 15, Lantern announced an important milestone in its antibody-drug conjugate (ADC) program. In collaboration with Bielefeld University, Lantern has generated a new class of highly specific and highly potent ADCs with a cryptophycin drug-payload.

This novel approach utilizes cysteine-engineered antibodies which allows for the development of uniform and homogenous ADCs with precise control of the drug to antibody ratio (DAR). The drug-payload, cryptophycin, has the potential to improve upon existing ADCs used in the clinical setting by: 1) improving the anti-tumor potency of the ADC molecule, and 2) overcoming drug resistance tumors can frequently develop to existing drug-payloads such as MMAE (Monomethyl auristatin E). The cryptophycin drug-payload and cryptophycin-ADC (CpADC) averaged an 80% cancer cell kill rate across the tested cancer cell lines and significantly outperformed MMAE.

In a broad range of preclinical studies, the cryptophycin-ADC (Cp-ADC) demonstrated promising picomolar level potency and anti-tumor activity in a wide range of solid tumors, including six cancer indications that are being further evaluated. These six indications include: breast, bladder, colorectal, gastric, pancreatic and ovarian cancer. Initial results (Figure 1) have also shown that in high Her2 expressing tumors, Cp-ADC with a DAR of 8 (Tras(C8)-Cp) and DAR of 4 (Tras(C4)-Cp) is more potent than an MMAE ADC with a DAR of 8. MMAE payloads are used in several commercially available anti-cancer ADCs, including Adcetris®, Polivy® and Enhertu®. Additionally, the Cp-ADC with a lower DAR (Tras(C2)-Cp) provides an equivalent tumor kill-rate to that of an MMAE-ADC with a DAR of 8. In a moderate Her2 expressing cell line, the Cp-ADC with a DAR of 8 (Tras(C8)-Cp) was about 10 times more potent than a DAR 8 MMAE-ADC.

The newly developed Cp-ADC showed highly efficient anti-tumor activity in all six cancer cell lines with EC-50 values in the picomolar to single-digit nanomolar range. Additional studies are now being developed to further validate and expand these findings and to obtain a better understanding of the genomic and biomarker correlates of payload efficacy across these tumors.

Kishor Bhatia, Ph.D., Lantern’s Chief Scientific Officer commented, “Our strategic, data-driven approach of utilizing cryptophycin as a highly potent and novel payload alongside the prioritization of biologically novel and relevant targets with scalable and efficient drug conjugate formats will help expand the repertoire and diversity of ADC opportunities.”

Lantern is also utilizing its AI platform, RADR® to further refine and understand other cancer targets, with a focus on prioritizing targets that are expressed across multiple tumor types or subtypes and have few or no therapeutic ADC options. Given the promise of cryptophycin as a payload, Lantern is also focused on the development and testing of two other cryptophycin-ADC molecules. For these selected targets, Lantern is in advanced discussions with potential partners and collaborators with the goal of generating proof-of-concept data for these additional ADCs and potentially other novel drug conjugate formats. Lantern expects to provide additional details on these studies and collaborations in the coming quarters. These efforts aim to improve ADC development for specific patient populations and potentially guide more effective future clinical treatments with less cost and greater efficiency than historical ADC drug development.

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.

Shares of Indaptus Therapeutics, Inc. (Nasdaq: INDP) closed at $1.70, +1.19% and is up +4.71% at $1.78 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.

Indaptus Therapeutics announced that Jeffrey A. Meckler, Chief Executive Officer, and Nir Sassi, Chief Financial Officer, will present a corporate update at the 2024 BIO CEO & Investor Conference. The conference is being held on February 26 – 27, 2024 at the New York Marriott Marquis.

On Feb. 8, Indaptus announced the launch of a new social media initiative to provide education and updates about the company. Recognizing the importance of engaging with all stakeholders, Indaptus will generate content on a variety of digital platforms, including X (formerly known as Twitter) and LinkedIn. The launch of these channels signifies Indaptus Therapeutics’ commitment to transparency, knowledge-sharing, and a desire to stay connected with its stakeholders. The company will utilize these platforms to provide updates on its research, share educational content about cancer immunotherapy, and offer a behind-the-scenes look at its team and scientific progress. The company invites all interested parties, including patients, researchers, and the general public, to join the conversation and stay informed about the company’s promising strides in cancer and viral infection treatment.

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.

Shares of ADT Inc. (ADT), the most trusted brand in smart home and small business security, closed at $6.74, -1.32%.

ADT Inc. (NYSE: ADT), the most trusted brand in smart home and small business security,announced (Ja. 24) 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 $7.43, -1.07%. 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 Jan. 30, Seanergy, through its wholly-owned subsidiary Seanergy Shipmanagement Corp., is the first Greek-based shipping company to accomplish a strategic partnership in the European Union Funded SAFeCRAFT Project Consortium (“Safecraft”), a breakthrough initiative concerning the utilization of alternative fuels.

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, $1.75, +0.00% and is up +9.14% at $1.91 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 Feb. 16, Modular Medical announced that it has priced its underwritten public offering (the “offering”) of 9,090,910 shares of its common stock, led by Manchester Explorer, L.P., which is managed by Jeb Besser, Modular Medical’s Chief Executive Officer, and Morgan Frank, a member of the Company’s board of directors, and other existing institutional investors. The shares of common stock are being sold at a price to the public of $1.10 per share. In addition, Modular Medical has granted the underwriter a 30-day option to purchase up to 1,321,989 additional shares of its common stock. Titan Partners Group, a division of American Capital Partners, is acting as sole book-running manager for the offering. The gross proceeds to the Company from the offering are expected to be approximately $10 million, before deducting underwriting discounts, commissions and estimated offering expenses payable by the Company. The Company intends to use the net proceeds from the offering to fund operations and for working capital and general corporate purposes, including capital expenditures. The offering is expected to close on or about February 21, 2024, subject to the satisfaction of customary closing conditions.

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.

On Jan, 23, NAYA Biosciences Inc., a company which has recently signed a definitive merger agreement with INVO Bioscience (INVO, $.94, +7.06%) 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.”

Deckers Brands (NYSE: DECK, $862.98 up from $845.22) is a global leader in designing, marketing, and distributing innovative footwear, apparel, and accessories.

On Feb. 12, Deckers announced that it has named Robin Green as its next President of HOKA, effective immediately. Green will serve on the Executive Leadership Team, reporting directly to Dave Powers, Chief Executive Officer and President of Deckers Brands. Green has an extensive track record of leading and operating complex global businesses while delivering transformative results and brand growth, most recently as Global Vice President of Men’s Running and Fitness for NIKE, Inc. She will lead Deckers’ HOKA brand, with a focus on delivering continued growth, further expanding on consumer and athlete connection, and accelerating the product innovation pipeline across a dynamic global marketplace.

Economic Reports

On Tuesday, the Leading Economic Indicators Index report confirmed a .4% drop in January.

Investing & Inspiration

“There is a thin line that separates laughter and pain, comedy and tragedy, humor and hurt.” – Erma Bombeck

“Too often we… enjoy the comfort of opinion without the discomfort of thought.” – John F. Kennedy

“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.”

“There is no instinct like that of the heart.” – Lord Byron

“It is the dim haze of mystery that adds enchantment to pursuit.” – Antoine Rivarol

“I am always ready to learn although I do not always like being taught.” – Winston Churchill

“Expect problems and eat them for breakfast.” – Alfred A. Montapert

“There are years that ask questions and years that answer.” – Zora Neale Hurston

“The roots of all goodness lie in the soil of appreciation for goodness.” – Dalai Lama

“Every failure is a step to success.” – William Whewell

“Winners never quit and quitters never win.” – Vince Lombardi

“Either you run the day or the day runs you.” – Jim Rohn

“It takes courage to grow up and become who you really are.” – e. e. cummings

“I can’t change the direction of the wind, but I can adjust my sails to always reach my destination.” – Jimmy Dean

“If you fell down yesterday, stand up today.” – H. G. Wells

“Far and away the best prize that life has to offer is the chance to work hard at work worth doing.” – Theodore Roosevelt

“The power to question is the basis of all human progress.” – Indira Gandhi

“All of us, at certain moments of our lives, need to take advice and to receive help from other people.” – Alexis Carrel

“Put your heart, mind, and soul into even your smallest acts. This is the secret of success.” – Swami Sivananda

“Measure what is measurable, and make measurable what is not so.” – Galileo Galilei

“Seek the lofty by reading, hearing and seeing great work at some moment every day.” – Thornton Wilder

“Everyone is a genius at least once a year. The real geniuses simply have their bright ideas closer together.” – Georg C. Lichtenberg

“The great thing about getting older is that you don’t lose all the other ages you’ve been.” – Madeleine L’Engle

“Cherish your human connections: your relationships with friends and family.” – Joseph Brodsky

“Dream in a pragmatic way.” – Aldous Huxley

“No one has a greater asset for his business than a man’s pride in his work.” – Hosea Ballou

“In life, as in chess, forethought wins.” – Charles Buxton

“Where there is no vision, there is no hope.” – George Washington Carver

“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

“Order and simplification are the first steps toward the mastery of a subject.” – Thomas Mann

“It always seems impossible until it’s done.” – Nelson Mandel

“Leadership is influence.” – John C. Maxwell

“Civilization began the first time an angry person cast a word instead of a rock.”– Sigmund Freud

“Failure will never overtake me if my determination to succeed is strong enough.” – Og Mandino

“Do what you can, with what you have, where you are.” – Theodore Roosevelt

“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

“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

“Feeling gratitude and not expressing it is like wrapping a present and not giving it.” – William Arthur Ward

“There is an immeasurable distance between late and too late.” – Og Mandino

“The future belongs to those who believe in the beauty of their dreams.” – Eleanor Roosevelt

“We choose our joys and sorrows long before we experience them.” – Khalil Gibran

“The undertaking of a new action brings new strength.” – Richard L. Evans

“Hindsight is always twenty-twenty.” – Billy Wilder

“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

“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

“Trust yourself, you know more than you think you do.” – Benjamin Spock

“It is not enough to have a good mind; the main thing is to use it well.” – Rene Descartes

“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

“In the future, everyone will be famous for 15 minutes.” – Andy Warhol

“Halloween is not only about putting on a costume, but it’s about finding the imagination and costume within ourselves.” – Elvis Duran

“The dog that trots about finds a bone.” – Golda Meir

“A loving heart is the truest wisdom.” – Charles Dickens

“Out of difficulties grow miracles.” – Jean de la Bruyere

“A leader is one who knows the way, goes the way, and shows the way.” – John C. Maxwell

“I can, therefore I am.” – Simone Weil

“Life is the art of drawing without an eraser.” – John W. Gardner

“Kind words do not cost much. Yet they accomplish much.” – Blaise Pascal

“The smallest deed is better than the greatest intention.” – John Burroughs

“Following the light of the sun, we left the Old World.” – Christopher Columbus

“If opportunity doesn’t knock, build a door.” – Milton Berle

“The greatest use of a life is to spend it on something that will outlast it.” – William James

“Happiness is not something ready made. It comes from your own actions.” – Dalai Lama

“Just because something doesn’t do what you planned it to do doesn’t mean it’s useless.” – Thomas A. Edison

“There are people who have money and people who are rich.” – Coco Chanel

“The young man knows the rules, but the old man knows the exceptions.” – Oliver Wendell Holmes, Sr.

“Let your mind alone, and see what happens.” – Virgil Thomson

“I believe things cannot make themselves impossible.” – Stephen Hawking

“There is nothing more uncommon than common sense.” – Frank Lloyd Wright

“To begin, begin.” – William Wordsworth

“You can find peace amidst the storms that threaten you.” – Joseph B. Wirthlin

“Everything that is made beautiful and fair and lovely is made for the eye of one who sees.” – Rumi

“The secret of business is to know something that nobody else knows.” – Aristotle Onassis

“Life is the art of drawing without an eraser.” – John W. Gardner

“Learning never exhausts the mind.” – Leonardo da Vinci

“Live as brave men; and if fortune is adverse, front its blows with brave hearts.” – Marcus Tullius Cicero

“It is not in the stars to hold our destiny but in ourselves.” – William Shakespeare

“The end of labor is to gain leisure.” – Aristotle

“Though we travel the world over to find the beautiful, we must carry it with us or we find it not.” – Ralph Waldo Emerson

“Any sufficiently advanced technology is indistinguishable from magic.” – Arthur C. Clarke

“Good questions outrank easy answers.” – Paul Samuelson

“Experience is the teacher of all things.” – Julius Caesar

To see things in the seed, that is genius.” – Lao Tzu

“Lend yourself to others, but give yourself to yourself.” – Michel de Montaigne

“People are not disturbed by things, but by the view they take of them.” – Epictetus

“Knowledge comes, but wisdom lingers.” – Alfred Lord Tennyson

“Hitch your wagon to a star.” – Ralph Waldo Emerson

“If fear is cultivated it will become stronger, if faith is cultivated it will achieve mastery.” – John Paul Jones

“Great minds discuss ideas; average minds discuss events; small minds discuss people.” – Eleanor Roosevelt

“Happiness is a direction, not a place.” – Sydney J. Harris

“Don’t let making a living prevent you from making a life.” – John Wooden

“The secret of your future is hidden in your daily routine.” – Mike Murdock

“We boil at different degrees.” – Clint Eastwood

“If we open a quarrel between past and present, we shall find that we have lost the future.” – Winston Churchill

“Hope is patience with the lamp lit.” – Tertullian

“All human wisdom is summed up in two words; wait and hope.” – Alexandre Dumas

“Forgiveness is the key to action and freedom.” – Hannah Arendt

“The unexamined life is not worth living.” – Socrates

“I never think of the future – it comes soon enough.” – Albert Einstein

“Today you are you! That is truer than true! There is no one alive who is you-er than you!” – Dr. Seuss

“We live in a rainbow of chaos.” – Paul Cezanne

“Real knowledge is to know the extent of one’s ignorance.” – Confucius

“Better keep yourself clean and bright; you are the window through which you must see the world.” – George Bernard Shaw

“Life consists not in holding good cards but in playing those you hold well.” – Josh Billings

“The traveler sees what he sees, the tourist sees what he has come to see.” – Gilbert K. Chesterton

“Goodness is the only investment that never fails.” – Henry David Thoreau

“The return we reap from generous actions is not always evident.” – Francesco Guicciardini

“Courage is knowing what not to fear.”– Plato

“Freedom means the opportunity to be what we never thought we would be.” – Daniel J. Boorstin

“Fishes live in the sea, as men do a-land; the great ones eat up the little ones.” – William Shakespeare

“A man is what he thinks about all day long.” – Ralph Waldo Emerson

“There are two ways of spreading light: to be the candle or the mirror that reflects it.” – Edith Wharton

“We cannot live only for ourselves. A thousand fibers connect us with our fellow men.” – Herman Melville

“Childhood is a short season” – Helen Hayes

“Formula for success: rise early, work hard, strike oil.” – J. Paul Getty

“The hardest arithmetic to master is that which enables us to count our blessings.” – Eric Hoffer

“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

“There are no shortcuts in evolution.” – Louis D. Brandeis

“Hope is the only bee that makes honey without flowers.” – Robert Green Ingersoll

“Our happiness depends on wisdom all the way.” – Sophocles

“Life is the art of drawing without an eraser.” – John W. Gardner

“Give light and people will find the way.” – Ella Baker

“Without craftsmanship, inspiration is a mere reed shaken in the wind.” – Johannes Brahms

“Either move or be moved.” – Ezra Pound

“Time is but the stream I go a-fishing in.” – Henry David Thoreau

“It’s easy to make a buck. It’s a lot tougher to make a difference.” – Tom Brokaw

“If you can’t stand the heat, get out of the kitchen.” – Harry S Truman

“Remember upon the conduct of each depends the fate of all.” – Alexander the Great

“Silence is the sleep that nourishes wisdom.” – Francis Bacon“

“Have patience. All things are difficult before they become easy.” – Saadi

“No man ever steps in the same river twice, for it’s not the same river and he’s not the same man.” – Heraclit

“An effort made for the happiness of others lifts above ourselves.” – Lydia M. Child

“It is amazing what you can accomplish if you do not care who gets the credit.” – Harry S Truman

“If you do not think about your future, you cannot have one.” – John Galsworthy

“Your own mind is a sacred enclosure into which nothing harmful can enter except by your permission.” – Arnold Bennett

“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

“I hear, I know. I see, I remember. I do, I understand.” – Confucius

“He has achieved success who has worked well, laughed often, and loved much.” – Elbert Hubbard

“Nobody who ever gave his best regretted it.” – George Halas

“We must not allow other people’s limited perceptions to define us.” – Virginia Satir

“There is a wisdom of the head, and a wisdom of the heart.” – Charles Dickens

“Perfection is the child of time.” – Joseph Hall

“No matter what people tell you, words and ideas can change the world.” – Robin Williams

“Find something you’re passionate about and keep tremendously interested in it.” – Julia Child

“The glow of one warm thought is to me worth more than money.” – Thomas Jefferson

“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

“Progress lies not in enhancing what is, but in advancing toward what will be.” – Khalil Gibran

“Cherish all your happy moments; they make a fine cushion for old age.” – Booth Tarkington

“The most effective way to do it, is to do it.” – Amelia Earhart

“If you’re going through hell, keep going.” – Winston Churchill

“The only sure weapon against bad ideas is better ideas.” – Alfred Whitney Griswold

“Words are, of course, the most powerful drug used by mankind.” – Rudyard Kipling

“The more things change, the more they are the same.” – Alphonse Karr

“Of all possessions a friend is the most precious.” – Herodotus

“Everything has beauty, but not everyone sees it.” – Confucius

“The man who is swimming against the stream knows the strength of it.” – Woodrow Wilson

“Success is the sum of small efforts – repeated day in and day out.” – Robert Collier

“You exist only in what you do.” – Federico Fellini

“Most people have the will to win, few have the will to prepare to win.” – Bobby Knight

“The true art of memory is the art of attention.” – Samuel Johnson

The secret of happiness is something to do.” – John Burroughs

“A will finds a way.” – Orison Swett Marden

“To live is to think.” – Marcus Tullius Cicero

“The sea hath fish for every man.” – William Camden

“What is called genius is the abundance of life and health.” – Henry David Thoreau

“Prosperity tries the fortunate, adversity the great.” – Rose Kennedy

“No one can figure out your worth but you.” – Pearl Bailey

“Let there be work, bread, water and salt for all.” – Nelson Mandela

“When one paints an ideal, one does not need to limit one’s imagination.” – Ellen Key

“Perfection is attained by slow degrees; it requires the hand of time.” – Voltaire

“Time passes irrevocably.” – Virgil

“The world of reality has its limits; the world of imagination is boundless.” – Jean-Jacques Rousseau

“The time you enjoy wasting is not wasted time.” – Bertrand Russell

“Mastering others is strength. Mastering yourself is true power.” – Lao Tzu

“You begin with the possibilities of the material.” – Robert Rauschenberg

“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

“The only way to discover the limits of the possible is to go beyond them into the impossible.” – Arthur C. Clarke

“Do not dwell in the past, do not dream of the future, concentrate the mind on the present moment.” – Buddha

“Curiosity will conquer fear even more than bravery will.” – James Stephens

“There are years that ask questions and years that answer.” – Zora Neale Hurston

“The best and most beautiful things in the world cannot be seen or even touched – they must be felt with the heart.” – Helen Keller

“Every failure is a step to success.” – William Whewell

“If you aren’t fired with enthusiasm, you will be fired with enthusiasm.” – Vince Lombardi

“Either you run the day or the day runs you.” – Jim Rohn

“A computer once beat me at chess, but it was no match for me at kick boxing.” – Emo Philips

“I attribute my success to this – I never gave or took any excuse.” – Florence Nightingale

“I can’t change the direction of the wind, but I can adjust my sails to always reach my destination.” – Jimmy Dean

“If you fell down yesterday, stand up today.” – H. G. Wells

“The world breaks everyone, and afterward, some are strong at the broken places.” – Ernest Hemingway

“The quality, not the longevity, of one’s life is what is important.” – Martin Luther King, Jr.

“You can’t expect to hit the jackpot if you don’t put a few nickels in the machine.” – Flip Wilson

“Put your heart, mind, and soul into even your smallest acts. This is the secret of success.” – Swami Sivananda

“If the highest aim of a captain were to preserve his ship, he would keep it in port forever.” – Thomas Aquinas

“The secret of your future is hidden in your daily routine.” – Mike Murdock

“Happiness is not a matter of intensity but of balance, order, rhythm and harmony.” – Thomas Merton

“Seek the lofty by reading, hearing and seeing great work at some moment every day.” – Thornton Wilder

“Once you bring life into the world, you must protect it. We must protect it by changing the world.” – Elie Wiesel

“Let us permit nature to have her way. She understands her business better than we do.” – Michel de Montaigne

“Great minds have purposes; others have wishes.” – Washington Irving

“The great thing about getting older is that you don’t lose all the other ages you’ve been.” – Madeleine L’Engle

“If you’re alive, there’s a purpose for your life.” – Rick Warren

“Dream in a pragmatic way.” – Aldous Huxley

“The works must be conceived with fire in the soul but executed with clinical coolness.” – Joan Miro

“Memories are the key not to the past, but to the future.” – Corrie Ten Boom

“Great minds discuss ideas; average minds discuss events; small minds discuss people.” – Eleanor Roosevelt

“Failure will never overtake me if my determination to succeed is strong enough.” – Og Mandino

“I think about my work every minute of the day.” – Jeff Koons

“I restore myself when I’m alone.” – Marilyn Monroe

“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

“Courage is found in unlikely places.” – J. R. R. Tolkien

“The first wealth is health.” – Ralph Waldo Emerson

“Courage is found in unlikely places.” – J. R. R. Tolkien

“Do what you can, with what you have, where you are.” – Theodore Roosevelt

“A good beginning makes a good end.” – Louis L’Amour

“What you do today can improve all your tomorrows.” – Ralph Marston

“One that would have the fruit must climb the tree.” – Thomas Fuller

“Joy in looking and comprehending is nature’s most beautiful gift.” – Albert Einstein

“The future belongs to those who believe in the beauty of their dreams.” – Eleanor Roosevelt

“Never go to bed mad. Stay up and fight.” – Phyllis Diller

“The undertaking of a new action brings new strength.” – Richard L. Evans

“It’s kind of fun to do the impossible.” – Walt Disney

“Real riches are the riches possessed inside.” – B. C. Forbes

“Reject your sense of injury and the injury itself disappears.” – Marcus Aurelius

“It is not enough to have a good mind; the main thing is to use it well.” – Rene Descartes

“A leader is one who knows the way, goes the way, and shows the way.” – John C. Maxwell

“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

“Halloween is not only about putting on a costume, but it’s about finding the imagination and costume within ourselves.” – Elvis Duran

“Everything in the world may be endured except continual prosperity.” – Johann Wolfgang von Goethe

“Where is all the knowledge we lost with information?” – T. S. Eliot

“All I ask is the chance to prove that money can’t make me happy.” – Spike Milligan

“Out of difficulties grow miracles.” – Jean de la Bruyere

“Nine-tenths of wisdom is being wise in time.” – Theodore Roosevelt

“Time is money.” – Benjamin Franklin

“I can, therefore I am.” – Simone Weil

“Where there is no vision, there is no hope.” – George Washington Carver

“Greatness is a road leading towards the unknown.” – Charles de Gaulle

“Kind words do not cost much. Yet they accomplish much.” – Blaise Pascal

“The world is round so that friendship may encircle it.” – Pierre Teilhard de Chardin

“Our deeds determine us, as much as we determine our deeds.” – George Eliot

The greatest use of a life is to spend it on something that will outlast it.” – William James

“Happiness is not something ready made. It comes from your own actions.” – Dalai Lama

“If opportunity doesn’t knock, build a door.” – Milton Berle

“I would define, in brief, the poetry of words as the rhythmical creation of Beauty.” – Edgar Allan Poe

“There are people who have money and people who are rich.” – Coco Chanel

“The young man knows the rules, but the old man knows the exceptions.” – Oliver Wendell Holmes, Sr.

“The past always looks better than it was. It’s only pleasant because it isn’t here.” – Finley Peter Dunne

“With the new day comes new strength and new thoughts.” – Eleanor Roosevelt

“Give me the luxuries of life and I will willingly do without the necessities.” – Frank Lloyd Wright

“To begin, begin.” – William Wordsworth

“You can find peace amidst the storms that threaten you.” – Joseph B. Wirthlin

“Nobody made a greater mistake than he who did nothing because he could do only a little.” – Edmund Burke

“Whenever you find yourself on the side of the majority, it is time to pause and reflect.” – Mark Twain

“Adapt or perish, now as ever, is nature’s inexorable imperative.” – H. G. Wells

“Won’t be long before we view gasoline cars the same way we view steam engines today.” – Elon Musk

“The aim of life is to live, and to live means to be aware, joyously, drunkenly, serenely, divinely aware.” – Henry Miller

“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

“Any sufficiently advanced technology is indistinguishable from magic.” – Arthur C. Clarke

“Good questions outrank easy answers.” – Paul Samuelson

“Thinking: the talking of the soul with itself.” – Plato

“I don’t think of all the misery but of the beauty that still remains.” – Anne Frank

“All money is a matter of belief.” – Adam Smith

“People are not disturbed by things, but by the view they take of them.” – Epictetus

“Uncertainty is seen to retard investment independently of considerations of risk or expected return.” – Ben Bernanke

“I never called my work an ‘art’. It’s part of show business, the business of building entertainment.” – Walt Disney

“Hitch your wagon to a star.” – Ralph Waldo Emerson

“The greatest remedy for anger is delay.” – Lucius Annaeus Seneca

“Great minds discuss ideas; average minds discuss events; small minds discuss people.” – Eleanor Roosevelt

“Act as if what you do makes a difference. It does.” – William James

“Success – keeping your mind awake and your desire asleep.” – Walter Scott

“If I had to live my life again, I’d make the same mistakes, only sooner.” – Tallulah Bankhead

“When one must, one can.” – Charlotte Whitton

“Wealth consists not in having great possessions, but in having few wants.” – Epictetus

“If we open a quarrel between past and present, we shall find that we have lost the future.” – Winston Churchill

“Hope is patience with the lamp lit.” – Tertullian

“A single sunbeam is enough to drive away many shadows.” – Francis of Assisi

“With the past, I have nothing to do; nor with the future. I live now.” – Ralph Waldo Emerson

“Laziness may appear attractive, but work gives satisfaction.” – Anne Frank

“I never think of the future – it comes soon enough.” – Albert Einstein

“Hope is but the dream of those who wake.” – Matthew Prior

“The more sand that has escaped from the hourglass of our life, the clearer we should see through it.” – Jean Paul

“Real knowledge is to know the extent of one’s ignorance.” – Confucius

“Better keep yourself clean and bright; you are the window through which you must see the world.” – George Bernard Shaw

“Nothing great in the world has ever been accomplished without passion.” – Georg Wilhelm Friedrich Hegel

“History is a vast early warning system.” – Norman Cousins

“We first make our habits, and then our habits make us.” – John Dryden

“The traveler sees what he sees, the tourist sees what he has come to see.” – Gilbert K. Chesterton

“Adventure is worthwhile.” – Aesop

“We must build dikes of courage to hold back the flood of fear.” – Martin Luther King, Jr.

“The return we reap from generous actions is not always evident.” – Francesco Guicciardini

“Courage is knowing what not to fear.” – Plato

“Science may never come up with a better office communication system than the coffee break.” – Earl Wilson

“Progress was all right. Only it went on too long.” – James Thurber

“If you would know strength and patience, welcome the company of trees.” – Hal Borland

“We aim above the mark to hit the mark.” – Ralph Waldo Emerson

“Hope is being able to see that there is light despite all of the darkness.” – Desmond Tutu

“Our chief want is someone who will inspire us to be what we know we could be.” – Ralph Waldo Emerson

“Patience is a virtue, and I’m learning patience. It’s a tough lesson.” – Elon Musk

“Great things are done when men and mountains meet.” – William Blake

“The man who has no imagination has no wings.” – Muhammad Ali

“Formula for success: rise early, work hard, strike oil.” – J. Paul Getty

“Action is the foundational key to all success.” – Pablo Picasso

“Hope is like the sun, which, as we journey toward it, casts the shadow of our burden behind us.” – Samuel Smiles

“The backbone of surprise is fusing speed with secrecy.” – Carl von Clausewitz

“There are no shortcuts in evolution.” – Louis D. Brandeis

“I am fascinated by what is beautiful, strong, healthy, what is living. I seek harmony.” – Leni Riefenstahl

“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

“Waste no more time arguing about what a good man should be. Be one.” – Marcus Aurelius

“It is during our darkest moments that we must focus to see the light.” – Aristotle Onassis

“Courage is fear holding on a minute longer.” – George S. Patton

“You must be the change you wish to see in the world.” – Mahatma Gandhi

“Don’t judge each day by the harvest you reap but by the seeds that you plant.” – Robert Louis Stevenson

“It is in the character of very few men to honor without envy a friend who has prospered.” – Aeschylus

“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

“The more you praise and celebrate your life, the more there is in life to celebrate.” – Oprah Winfrey

“Anything simple always interests me.” – David Hockney

“He who angers you conquers you.” – Elizabeth Kenny

“Concision in style, precision in thought, decision in life.” – Victor Hugo

“The secret of genius is to carry the spirit of the child into old age, which means never losing your enthusiasm.” – Aldous Huxley

“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