Small Caps Rise, Banks, Volatility Jump, Mega Tech Stocks Crash This Week – $ADT $BTC $KRE $VIX Rise!

Happy Saturday!

I hope that you had a successful week.  As for me, I spent the week in wonderful Wilmington, NC where I was busy meeting with investors that have joined our sister organization,  Tribe Public www.tribepublic.com. I also located sites for future CEO Presentation and Q&A Events, both in Wilmington and Raleigh, NC & I am looking forward to being back soon to host the first Tribe events in these areas soon. 

Note, that this coming week I will be back in my hometown of San Francisco and will be meeting & co-hosting with Jeb Besser, CEO of Modular Medical (NASDAQ: MODD) at a Tribe Public Presentation and Q&A Luncheon Event in the FIDI are of San Francisco at 1pm on Wednesday, July 25. Modular Medical is a development-stage medical device company that intends to launch the next generation of insulin delivery technology to improve access to the highest standard of glycemic control for people with diabetes, while taking it beyond “superusers” and providing “diabetes care for the rest of us.” If interested in joining us, please send an email to research@tribepublic.com to receive further details and serve your RSVP and I will do my best to accommodate.

Stock Market This Week

Overall, the week was characterized by a rotation out of large-cap tech stocks and into smaller companies, reflecting shifting investor sentiment and concerns about economic conditions and a broadening of investments overall across a number of sectors and sizes off companies. The markets saw mixed results, which seemed to highlight the current uncertainty in the market as investors navigate conflicting signals about economic health and monetary policy and political control i.e the U.S. Presidential candidate situation to say the least.

– The S&P 500 and Nasdaq Composite posted weekly losses, ending a streak of gains at 5,505.00 (-2%), but remind up +15.4%YTD [1][3].

– The Dow Jones Industrial Average managed break an all time highs, but only managed to eke out a small gain for the week closing at 40,287.53 (+.7%) and is now up +6.9%[3].

– The Nasdaq closed lower at 17,726.94 (-3.6%), but remains up +18.1% YTD.

Key developments:

– Large-cap technology stocks, which had driven recent market rallies, saw significant declines[1]. Of note, the market leading and overweighted Magnificent 7 closed across the board as follows over the last 5-days: Alphabet (GOOG) closing at $179.39, -3.96%, Amazon (AMZN) closing at $183.13, -5.84%, Apple (AAPL) at $224.31, -2.70%, Meta Platforms (META) closing at $476.79, -4.43%, Microsoft (MSFT) closing at $437.11, -3.62%, NVIDIA (NVDA) closing at $117.93, -8.75%, & Tesla (TSLA) closing at $239.20, -3.64%.

– The Russell 2000 index of small-cap stocks outperformed, closing at 2.184.35 (+1.7%) and is now up +7.8% YTD [3].

– iShares Micro-Cap ETF (IWC) closed at $123.59, +1.68% over the week and is now down up 6.51% YTD.

– Treasury yields increased, with the 10-year yield rising four basis points higher to close at 4.19% and the 2-yr note yield settled three basis points higher at 4.46%.

– Oil prices closed at $78.76, down -4.2% this week and is now up 9.9% YTD. The U.S. Dollar Index moved higher this week from 104.08 to 104.37.

– The CBOE Volatility Index (^VIX) rose over the course of the week up 25.91% to close at $16.52.

– Bank stocks on The SPDR S&P Regional Banking ETF (KRE) moved up to close at $55.99, 7.49% over the last 5-days & the SPDR S&P Bank ETF (KBE) moved up over the last 5-days to close at $52.02, +6.18% this week.  

– The Nasdaq Biotechnology ETF (IBB) closed at $144.02, -.70% & the SPDR S&P Biotech ETF (XBI) closed at $97.51, -1.47% over the last 5-days. The iShares U.S. Healthcare ETF (IYH) closed at $62.15, -.50% over the last 5-days. 

– Bitcoin (BTC) moved up this week from $57,808.18 to 66,472.91 over the course of the last 5-days at the time of the completion of this message.

– Gold prices closed at $2,404/.oz down from $2,414/oz over the last 5-days. Silver prices closed at $29.24 down from $30.81/.oz. 

US macroeconomic schedule:

On Monday, the July NY Fed Empire State Manufacturing report came in lower than expected at -6.6.

On Tuesday, the June Retail Sales 0.0% & June Retail Sales sans-auto .4%, June Import Prices .0%, June Import Prices sans-oil .2%, June Export Prices -.5%, June Export Prices san-agriculture -.6%, May Business Inventories .5%, the July NAHB Housing Market Index came in lower at 42.

On Wednesday, The Weekly MBA Mortgage Applications Index report logged in higher at 3.9%, the June Housing Starts report confirmed a higher than expected 1.353M, the June Building Permits report logged in with a higher than expected 1.446M, the June Industrial Production report came in higher than expect at .6%, & the June Capacity Utilization report came slightly higher than expected at 78.8%.

On Thursday, the Weekly Initial Claims report came in higher than expected at 243k and the Weekly Continuing Claims report clocked in higher at 1.867M and the market saw further softening.  The July Philadelphia Fed Index came in higher at 13.9 & the June Leading Indicators report came in at -.2%.

Notable stock movements:

– CrowdStrike (CRWD) fell over 12% on Friday due to a software outage affecting Microsoft’s cloud services[1]. What a amazing mess it caused across the world. I am glad I was not flying on Friday and I hope they have learned their lessen and it will not occur again. 

– Netflix (NFLX) fell 2.2% over the last 5-days % despite confirming that they added a whopping 8.05 million new customers in the second quarter. Learn more. 

– American Express (AXP) dropped 2% following its earnings report[1].

– Cathie Wood’s ARK Innovation ETF (ARKK) closed at $46.63, -.34% over the last 5-days.

– Memes stocks dropped  this week as AMC Entertainment (AMC) closed at $5.01, -4.75% over the last 5-days & GameStop (GME) closed at $24.97, down 4.15% over the last 5-days.

Investor focus:

– Market participants are closely watching for signs of potential interest rate cuts by the Federal Reserve[1].

– Earnings reports from major companies are being scrutinized for insights into consumer and financial sector health[3].

Global markets:

– Asian equities followed U.S. stocks lower, with major indexes in Japan, Australia, and Hong Kong declining[2].

– Economic weakness concerns overshadowed optimism about potential rate cuts in global markets[2].

Looking ahead:

– Investors are anticipating earnings reports from key companies like Reliance Industries and HDFC Bank[4].

– The upcoming week will feature the release of the U.S. federal budget, which could impact market sentiment[4].

VP Watchlist Updates

Eupraxia Pharmaceuticals (EPRX, $2.56, -8.90% over the last 5-days) is a clinical-stage biotechnology company focused on the development of locally delivered, extended-release products that have the potential to address therapeutic areas with high unmet medical need. The Company strives to provide improved patient benefit and has developed technology designed to deliver targeted, long-lasting activity with fewer side effects. DiffuSphere™, a proprietary, polymer-based micro-sphere technology, is designed to facilitate targeted drug delivery, with extended duration of effect, and offers multiple, highly tuneable pharmacokinetic (PK) profiles. This investigational technology can be engineered for use with multiple active pharmaceutical ingredients and delivery methods.

 

Dr. James Helliwell, CEO of Eupraxia Pharmaceuticals (NASDAQ: EPRX)

On July 9, a Tribe Public CEO Presentation and Q&A Webinar Event titled “Exploring The Rapid Rise Of Osteoarthritis”  was held with James A. Helliwell, MD, Director and Chief Executive Officer of Eupraxia Pharmaceuticals (NASDAQ: EPRX).  The event video can now be viewed at the Tribe Public YouTube Channel!

Eupraxia recently completed a Phase 2b clinical trial (SPRINGBOARD) of EP-104IAR for the treatment of pain due to osteoarthritis of the knee. The trial met its primary endpoint and three of the four secondary endpoints. Eupraxia has expanded the EP-104 platform into gastrointestinal disease with the Phase 1b/2a RESOLVE trial for treating EoE. Eupraxia is also developing a pipeline of later- and earlier-stage long-acting formulations. Potential pipeline indications include candidates for other inflammatory joint indications and oncology, each designed to improve on the activity and tolerability of currently approved drugs.

On June 5, Eupraxia announced that results from its Phase 2 study of EP-104IAR for the treatment of osteoarthritis of the knee will be presented at the upcoming European Alliance of Associations for Rheumatology (“EULAR”) European Congress of Rheumatology 2024 (the “Meeting”). The EULAR Meeting is being held in Vienna, Austria from June 12-15, 2024.

 

Modular Medical, Inc. (NASDAQ: MODD, $1.50, -5.66% over the last 5-days and up +57.89% over the last year), 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 June 3, Modular Medical announced that it was set to join the Russell Microcap Index at the conclusion of the 2024 Russell indexes annual reconstitution, effective when the U.S. market opens on July 1, 2024. Membership in the Russell Microcap Index, which remains in place for one year, means automatic inclusion in the appropriate growth and value style indexes. FTSE Russell determines membership for its Russell indexes primarily by objective, market-capitalization rankings and style attributes. Russell indexes are widely used by investment managers and institutional investors for index funds and as benchmarks for active investment strategies. Approximately $10.6 trillion in assets are benchmarked against Russell’s US indexes. Russell indexes are part of FTSE Russell, a leading global index provider.

On Feb. 21, Modular Medical announced the closing of its previously announced 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. Each share of common stock was sold at a price to the public of $1.10 per share. The gross proceeds to Modular Medical from this offering were approximately $10 million, before deducting underwriting discounts and commissions and other 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. In addition, Modular Medical has granted the underwriters a 30-day option to purchase up to an additional 1,321,989 shares of common stock to cover over-allotments, if any.Titan Partners Group, a division of American Capital Partners, acted as sole book-running manager for the offering.

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.

 

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.”

Shares of Indaptus Therapeutics, Inc. (Nasdaq: INDP), a clinical stage biotechnology company dedicated to pioneering innovative cancer and viral infection treatments, closed at  $2.13, -5.33% over the last 5-days and is up 21.02% YTD. Click to watch a brief video on Indaptus Therapeutics’ Decoy20 Cancer Treatment Approach.

On June 4, Indaptus announced that it will present a poster titled, “Preliminary results of a phase 1 study of Decoy20, an intravenous, killed, multiple immune receptor agonist bacterial product in patients with advanced solid tumors,” at the American Society of Clinical Oncology annual meeting on June 1, 2024, in Chicago.

On May 22, Indaptus announced the successful advancement of its Phase 1 trial for Decoy20, an investigational novel package of broad immune agonists for cancer immunotherapy that has first-in-class potential across a diverse range of cancers including liver, pancreatic, colorectal and non-small cell lung. Following review by a Safety Review Committee (SRC) of the company’s initial clinical data, which will be presented at the annual meeting of the American Society of Clinical Oncology (ASCO), the Company has successfully dosed the first patient in the multi-dose portion of the trial with Decoy20. The primary goal of this stage of the trial is to determine the safety of Decoy20 when administered multiple times to the same patient, and to begin to examine efficacy across multiple types of cancer. Decoy20 is composed of attenuated and killed, intact, non-pathogenic Gram-negative bacteria which are designed to act as a “decoy,” tricking the body into activating a broad antitumor response from both its innate and adaptive immune systems. In preclinical studies, the treatment has been shown to activate specialized immune receptors called TLRs, that facilitate a potent defense against tumors, without inducing excessive toxicity. The product candidate is designed to induce a strong and broad pulse of immune activation, followed by rapid clearance from the body.“Current immunotherapies usually target a few immune system pathways and have low cure rates in advanced cancers. Indaptus is investigating an incredibly exciting and differentiated approach to fighting cancerous tumors that deviates from a focus on targeted therapies in the field. The advancement of this trial is a significant milestone that builds on strong evidence that Decoy20 successfully and broadly activates potent tumor-fighting cytokines and chemokines in both the innate and adaptive immune systems, and was administered systemically without intolerable adverse events,”stated Roger Waltzman, MD, Chief Medical Officer of Indaptus.

Jeffrey Meckler, CEO, Indaptus Therapuetics, Inc. (NASDAQ: INDP)

Jeffrey Meckler, Chief Executive Officer of Indaptus, commented, “We continue to make steady progress in our clinical development plans and are receiving regular validation for results reported to date, both through a presentation in April at the American Association for Cancer Research (AACR) annual meeting, and the acceptance of further data to be presented in a poster at the American Society of Clinical Oncology (ASCO) annual meeting, which is considered among the top annual oncology conferences. We are encouraged by the results we have reported, along with the early results we are seeing as we advance our trial, and believe they are indicative of the potential for Decoy20, and indeed our platform as a whole. We look forward to reporting more about our progress as it develops.”

Dr. Michael Newman, Indaptus’ Founder, Chief Scientific Officer, and lead author, commented, “The new data are consistent with our preclinical animal tumor model studies and provide evidence for our hypothesis that patented Decoy bacteria can activate a wide range of innate and adaptive human immune cells involved in fighting tumors. This aligns with what we’ve observed in our ongoing Phase 1 clinical trial of Decoy20 – broad immune activation, as evidenced by transiently increased levels of many key cytokines and chemokines following single dose administration. These findings bolster our confidence in Decoy20’s potential as a multifaceted immunotherapy.”

Learn more about Indaptus Therapeutics (NASDAQ: INDP) at the VP Watchlist page by clicking here.

Thanks again for your attention this week. Please continue to share your thoughts, questions, & ideas as we move forward. 

In the meantime, please enjoy the balance of the weekly newsletter’s videos, quotes, updates and let’s find ways to crush it again as we move forward!

Investing & Inspiration

1. “The traveler sees what he sees, the tourist sees what he has come to see.” – Gilbert K. Chesterton
2. “The only true wisdom is in knowing you know nothing.” – Socrates
3. “Courage is knowing what not to fear.”– Plato
4. “The home is the chief school of human virtues.” – William Ellery Channing
5. “Be brave. Take risks. Nothing can substitute experience.” – Paulo Coelho
6. “There are no shortcuts in evolution.” – Louis D. Brandeis
7. “A friend may well be reckoned the masterpiece of nature.” –  Ralph Waldo Emerson
8. “Nature uses as little as possible of anything.” – Johannes Kepler
9. “Every new beginning comes from some other beginning’s end.” – Seneca
10. “Nothing ever becomes real till it is experienced.” – John Keats
11. “Nobody who ever gave his best regretted it.” – George Halas
12. “Honest disagreement is often a good sign of progress.” – Mahatma Gandhi
13. “A leader is one who knows the way, goes the way, and shows the way.” – John C. Maxwell
14. “They always say time changes things, but you actually have to change them yourself.” – Andy Warhol
15. “The secret of happiness is something to do.” – John Burroughs
16. “The world of reality has its limits; the world of imagination is boundless.”
17. “You begin with the possibilities of the material.” – Robert Rauschenberg
18. “The only Zen you can find on the tops of mountains is the Zen you bring up there.” – Robert M. Pirsig
19. “Leadership is the capacity to translate vision into reality.” – Warren Bennis
20. “A man should always consider how much he has more than he wants.” – Joseph Addison
21. “Happiness is good health and a bad memory.” –  Ingrid Bergman
22. “We pass through this world but once.” – Stephen Jay Gould
23. “Christmas waves a magic wand over this world, and behold, everything is softer and more beautiful.” – Norman Vincent Peale
24. “Nothing can have value without being an object of utility.” – Karl Marx
25. “Always turn a negative situation into a positive situation.” – Michael Jordan
26. “Courage is found in unlikely places.” – J. R. R. Tolkien
27. “One that would have the fruit must climb the tree.” – Thomas Fuller
28. “Someone is sitting in the shade today because someone planted a tree a long time ago.” – Warren Buffett
29. “We relish news of our heroes, forgetting that we are extraordinary to somebody too.” – Helen Hayes
30. “A life spent making mistakes is not only more honorable, but more useful than a life spent doing nothing.” – George Bernard Shaw
31. “Everything in the world may be endured except continual prosperity.”  – Johann Wolfgang von Goethe
32. “Nine-tenths of wisdom is being wise in time.” – Theodore Roosevelt
33. “Time is money.” – Benjamin Franklin
34. “Change before you have to.” – Jack Welch
35. “Our deeds determine us, as much as we determine our deeds.” – George Eliot
36. “The Universe is under no obligation to make sense to you.” – Neil deGrasse Tyson
37. “Care and diligence bring luck.” – Thomas Fuller
38. “Nobody made a greater mistake than he who did nothing because he could do only a little.” – Edmund Burke
39. “A man who is a master of patience is master of everything else.” – George Savile
40. “Once you replace negative thoughts with positive ones, you’ll start having positive results.” – Willie Nelson
41. “Endurance is nobler than strength, and patience than beauty.” – John Ruskin
42. “Act as if what you do makes a difference. It does.” – William James
43. “Let us be grateful to people who make us happy, they are the charming gardeners who make our souls blossom.” –  Marcel Proust
44. “Strength and growth come only through continuous effort and struggle.” – Napoleon Hill
45. “Science may never come up with a better office communication system than the coffee break.” – Earl Wilson
46. “If everyone is moving forward together, then success takes care of itself.” – Henry Ford
47. “Hope is like the sun, which, as we journey toward it, casts the shadow of our burden behind us.”– Samuel Smiles
48. “Patriotism is supporting your country all the time, and your government when it deserves it.” – Mark Twain
49. “What would life be if we had no courage to attempt anything?” – Vincent Van Gogh
50. “The biggest risk is not taking any risk… In a world that is changing really quickly, the only strategy that is guaranteed to fail is not taking risks.” – Mark Zuckerberg
51. “Our lives improve only when we take chances – and the first and most difficult risk we can take is to be honest with ourselves.” – Walter Anderson
52. “Action is the foundational key to all success.” – Pablo Picasso
53. “Success is never final, failure is never fatal. It’s courage that counts.” – John Wooden
54. “Innovation distinguishes between a leader and a follower.” – Steve Jobs
55. “All the art of living lies in a fine mingling of letting go and holding on.” – Havelock Ellis
56. “The size of your success is measured by the strength of your desire; the size of your dream; and how you handle disappointment along the way.” – Robert Kiyosaki
57. “O, wind, if winter comes, can spring be far behind?” – Percy Bysshe Shelley
58. “Patience is a virtue, and I’m learning patience. It’s a tough lesson.” – Elon Musk
59. “Be true to your work, your word, and your friend.” – John Boyle O’Reilly
60. “Believe in yourself! Have faith in your abilities! Without a humble but reasonable confidence in your own powers you cannot be successful or happy.” – Norman Vincent Peale
61. “Surprise is the greatest gift which life can grant us.” – Boris Pasternak
62. “Logic will get you from A to B. Imagination will take you everywhere.” – Albert Einstein
63. “It is the fight alone that pleases us, not the victory.” – Blaise Pascal
64. “Do exactly what you would do if you felt most secure.” – Meister Eckhart
65. “Life lived for tomorrow will always be just a day away from being realized.” – Leo Buscaglia
66. “Wisdom is oftentimes nearer when we stoop than when we soar.” – Wordsworth
67. “Take chances, make mistakes. That’s how you grow. Pain nourishes your courage. You have to fail in order to practice being brave.” – Mary Tyler Moore
68. “A single twig breaks, but the bundle of twigs is strong.” – Tecumseh
69. “If one does not know to which port one is sailing, no wind is favorable.” – Lucius Annaeus Seneca
70. “There is little that can withstand a man who can conquer himself.” – Louis XIV
71. “The limits of the possible can only be defined by going beyond them into the impossible.” – Arthur C. Clarke
72. “Be faithful in small things because it is in them that your strength lies.” – Mother Teresa
73. “The future rewards those who press on. I don’t have time to feel sorry for myself. I don’t have time to complain. I’m going to press on.” – Barack Obama
74. “By three methods we may learn wisdom: First, by reflection, which is noblest; Second, by imitation, which is easiest; and third by experience, which is the bitterest.” – Confucius
75. “No man was ever wise by chance.” – Lucius Annaeus Seneca
76. “Progress is man’s ability to complicate simplicity.” – Thor Heyerdahl
77. “It is not in the stars to hold our destiny but in ourselves.” – William Shakespeare

78. “It does not matter how slowly you go as long as you do not stop.” – Confucius

79. “I want to put a ding in the universe.” – Steve Jobs

80. “Research is creating new knowledge.” – Neil Armstrong

81. “The reward for work well done is the opportunity to do more.” – Jonas Salk
82. “Man is a creative retrospection of nature upon itself.” – Karl Wilhelm Friedrich Schlegel
83. “There’s something about taking a plow and breaking new ground. It gives you energy.” – Ken Kesey

84. “Success seems to be largely a matter of hanging on after others have let go.” – William Feather

85. “The essential conditions of everything you do must be choice, love, passion.” – Nadia Boulanger

86. “More business is lost every year through neglect than through any other cause.” – Rose Kennedy

87. “Give me a lever long enough and a fulcrum on which to place it, and I shall move the world.” – Archimedes

88. “A person who won’t read has no advantage over one who can’t read.” – Mark Twain

89. “The best way out is always through.” – Robert Frost

90. “Start by doing what’s necessary; then do what’s possible; and suddenly you are doing the impossible.” – Francis of Assisi

91. “Without labor nothing prospers.” – Sophocles

92. “Intellectuals solve problems, geniuses prevent them.” – Albert Einstein

93. “This is the precept by which I have lived: Prepare for the worst; expect the best; and take what comes.” – Hannah Arendt

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

95. “He who is brave is free.” – Lucius Annaeus Seneca

96. “When something is important enough, you do it even if the odds are not in your favor.” – Elon Musk

97. “I choose a block of marble and chop off whatever I don’t need.” – Auguste Rodin

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

99. “He who knows that enough is enough will always have enough.” – Lao Tzu

100. “Plans to protect air and water, wilderness and wildlife are in fact plans to protect man.” – Stewart Udall

101. “In order to carry a positive action we must develop here a positive vision.” – Dalai Lama

102. “A hero is someone who understands the responsibility that comes with his freedom.” – Bob Dylan
103. “Inflation destroys savings, impedes planning, and discourages investment. That means less productivity and a lower standard of living.” – Kevin Brady
104. “If we give something positive to others, it will return to us. If we give negative, that negativity will be returned.” – Allu Arjun
105. “A good plan violently executed now is better than a perfect plan executed next week.” ~ George S. Patton
106. “You must do the things you think you cannot do.”- Eleanor Roosevelt
107. “Success is dependent on effort.” – Sophocles
108. “Nobody who ever gave his best regretted it.” – George Halas
109. “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
110. “And when I breathed, my breath was lightning.” – Black Elk
111. “Moderation is the silken string running through the pearl chain of all virtues.” – Joseph Hall
112. “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
113. “If you want a guarantee, buy a toaster.” – Clint Eastwood
114. “We are an impossibility in an impossible universe.” – Ray Bradbury
115. “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
116. “I’d rather attempt to do something great and fail than to attempt to do nothing and succeed.” – Robert H. Schuller
117. “Do your little bit of good where you are; it’s those little bits of good put together that overwhelm the world.” Desmond Tutu
118. “It takes considerable knowledge just to realize the extent of your own ignorance.” – Thomas Sowell
119. “Do not dwell in the past, do not dream of the future, concentrate the mind on the present moment.” – Buddha”
120. Surprise is the greatest gift which life can grant us.” –  Boris Pasternak
121. “Trust in dreams, for in them is hidden the gate to eternity.” – Khalil Gibran 
122. “Always be yourself, express yourself, have faith in yourself, do not go out and look for a successful personality and duplicate it.” – Bruce Lee
123. “All life is an experiment. The more experiments you make the better.” – Ralph Waldo Emerson
124. “There are no secrets to success. It is the result of preparation, hard work, and learning from failure.” –  Colin Powell
125. “There is more to life than increasing its speed.” – Mahatma Gandhi
126. “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
127. “Definiteness of purpose is the starting point of all achievement.” – W. Clement Stone
128. “Success usually comes to those who are too busy to be looking for it.” – Henry David Thoreau
129. “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
130. “Life is too short for long-term grudges.” – Elon Musk
131. “There cannot be a crisis next week. My schedule is already full.” – Henry Kissinger
132. “Success consists of getting up just one more time than you fall.” – Oliver Goldsmith
133. “The Earth is the cradle of humanity, but mankind cannot stay in the cradle forever.” – Konstantin Tsiolkovsky
134. “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
135. “Beauty surrounds us, but usually we need to be walking in a garden to know it.” – Rumi
136. “But man is not made for defeat. A man can be destroyed but not defeated.” – Ernest Hemingway
137. “Don’t watch the clock; do what it does. Keep going.” – Sam Levenson
138. “Let there be work, bread, water and salt for all.” – Nelson Mandela
139. “The social object of skilled investment should be to defeat the dark forces of time and ignorance which envelope our future.” – John Maynard Keynes
140. “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
141. “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
142. “It is the fight alone that pleases us, not the victory.” – Blaise Pascal
143. “If you can’t describe what you are doing as a process, you don’t know what you’re doing.” – W. Edwards Deming
144. “Never interrupt your enemy when he is making a mistake.” – Napoleon Bonaparte
145. “Be sure you put your feet in the right place, then stand firm.” – Abraham Lincoln
146. “Without investment there will not be growth, and without growth there will not be employment.” – Muhtar Kent
147. “You have to do your own growing no matter how tall your grandfather was.” – Abraham Lincoln
148. “Victory has a thousand fathers, but defeat is an orphan.” – John F. Kennedy
149. “Delete the negative; accentuate the positive!” – Donna Karan
150. “It’s crazy how fast time flies and how things progress.” – Nathan Chen
151. “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
152. “Life isn’t about finding yourself. Life is about creating yourself.” – George Bernard Shaw
153. “Everything has beauty, but not everyone sees it.” – Confucius
154. “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
155. “Walking with a friend in the dark is better than walking alone in the light.” – Helen Keller
156. “A man who dares to waste one hour of time has not discovered the value of life.” – Charles Darwin
157. “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
158. “Progress is man’s ability to complicate simplicity.” – Thor Heyerdahl
159. “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
160. “Nothing is impossible, the word itself says ‘I’m possible’!” – Audrey Hepburn
161. “But investment in space stimulates society, it stimulates it economically, it stimulates it intellectually, and it gives us all passion.” – Bill Nye
162. “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
163. “Life is a tragedy when seen in close-up, but a comedy in long-shot.” – Charlie Chaplin
164. “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
165. “Infrastructure investment in science is an investment in jobs, in health, in economic growth and environmental solutions.” – Oren Etzioni
166. “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
167. “Know thy self, know thy enemy. A thousand battles, a thousand victories.” – Sun Tzu
168. “If one does not know to which port one is sailing, no wind is favorable.” – Lucius Annaeus Seneca
169. “Beware of missing chances; otherwise it may be altogether too late some day.” – Franz Liszt
170. “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
171. “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
172. “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
173. “There is little that can withstand a man who can conquer himself.” – Louis XIV
174. “In tennis, you strike a ball just after the rebound for the fastest return. It’s the same with investment.” – Masayoshi Son
175. “A camel makes an elephant feel like a jet plane.” – Jackie Kennedy
176. “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
177. “Success depends upon previous preparation, and without such preparation there is sure to be failure.” – Confucius, Chinese 
178. “Coming together is a beginning; keeping together is progress; working together is success.” – Edward Everett Hale
179. “Never do anything against conscience even if the state demands it.”– Albert Einstein
180. “Education is not only a ladder of opportunity, but it is also an investment in our future.” – Ed Markey
181. “The true measure of a man is how he treats someone who can do him absolutely no good.” – Samuel Johnson
182. “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
183. “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
184. “The best preparation for tomorrow is doing your best today.” – H. Jackson Brown, Jr.
185. “Friendship marks a life even more deeply than love. Love risks degenerating into obsession, friendship is never anything but sharing.” – Elie Wiesel
186. “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
187. “Success isn’t measured by money or power or social rank. Success is measured by your discipline and inner peace.” – Mike Ditka
188. “No matter how many goals you have achieved, you must set your sights on a higher one.” – Jessica Savitch 
189. “Start where you are. Use what you have. Do what you can.”– Arthur Ashe
190. “The secret of getting ahead is getting started.” – Mark Twain
191. “The amount of work and the amount of both physical and emotional investment it takes to get to the top.” – Drew Bledsoe