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Ginkgo Bioworks Holdings Inc. Class A Common Stock (NYSE:DNA)

Real-time price:$13.96

Ginkgo Bioworks platform is enabling biotechnology applications across diverse markets, from food and agriculture to industrial chemicals to pharmaceuticals. Ginkgo Bioworks, formerly known as Soaring Eagle Acquisition Corp., is based in NEW YORK....

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Here we provide our AYA proprietary alpha stock signals for all premium members on our AYA fintech network platform. Specifically, a high Fama-French multi-factor dynamic conditional alpha suggests that the stock is likely to consistently outperform the broader stock market benchmarks such as S&P 500, Dow Jones, Nasdaq, Russell 3000, MSCI USA, and MSCI World etc. Since March 2023, our proprietary alpha stock signals retain U.S. Patent and Trademark Office (USPTO) fintech patent protection, approval, and accreditation for 20 years. Our homepage and blog articles provide more details on this proprietary alpha stock market investment model with robust long-term historical backtest evidence.

Sharpe-Lintner-Black CAPM alpha (Premium Members Only) Fama-French (1993) 3-factor alpha (Premium Members Only) Fama-French-Carhart 4-factor alpha (Premium Members Only) Fama-French (2015) 5-factor alpha (Premium Members Only) Fama-French-Carhart 6-factor alpha (Premium Members Only) Dynamic conditional 6-factor alpha (Premium Members Only) Last update: Saturday 26 July 2025

Rose Prince

2025-06-28 03:47:43

Bullish

Quantitative fundamental analysis

Our new podcast deep-dives into the new self-improvement book review of The Power of Habit by Charles Duhigg. Former New York Times prolific team author and Pulitzer Prize winner Charles Duhigg delves into how we can change our lives for the better by mastering our habits from day to day. In essence, keystone habits remake, reshape, and reinforce many other good and robust habits, positive patterns, growth mindsets, hard truths, worldviews, actions, and insights in iterative continuous performance improvements. These vital lessons help us achieve both better personal growth and self-improvement in life, business, innovation, and entrepreneurship.

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The original blog article is available on our AYA fintech network platform. https://ayafintech.network/blog/self-improvement-book-review-the-power-of-habit-by-charles-duhigg/

This fun podcast is about 10 minutes long (with smart AI podcast generation from Google NotebookLM). https://bit.ly/3FUTSHs

Former New York Times team journalist and Pulitzer Prize winner Charles Duhigg describes, discusses, and delves into how we can change our own respective lives for the better by mastering our habits from day to day. Duhigg analyzes the central question in life, business, innovation, and entrepreneurship: Why do some people maintain healthy habits and lifestyles, realize professional achievements, and seek to innovate better products and services for the social good, whereas, many others flail and fail in their best conscious efforts? In response to this bigger, brighter, and broader question, Duhigg attributes this dichotomy to the power of habit. As Duhigg explains in detail, successful people have often learned to control-and-change their habits for the better. Specifically, Duhigg describes, discusses, and delves into the 3 major components of the positive habit loop. These 3 major components include the cue for a particular habitual change, the routine process for self-improvement and habitual reinforcement, and the reward system for long-run habitual adaptation. By analyzing why and how many people over-eat, drink alcohol, smoke cigarettes, and so on, Duhigg provides several plausible explanations and actionable insights for these people to break the habit loop. In time, these people form better habits in controlling their human desires. By force of habit, people learn new critical success factors, lessons, insights, and hard truths from Duhigg’s emphasis on the power of habit. In due course, these people embark on a new relentless life journey for better self-improvement.

Habits refer to several major recurrent actions, lifestyles, and behaviors for people to navigate through new threats, risks, challenges, and opportunities in the modern life journey. People first decide to deliberately engage in these key habits by choice, and these people keep these key habits subconsciously over a longer time horizon. People can change their bad habits if they learn how habits operate in the positive habit loop. The habit loop comprises 3 major components: cue, routine, and reward. Some habitual cue motivates someone into a routine process to reap results in the broader reward system. Better understanding how habits fit into these 3 habit loop stages can help each one of us change habits for the better. It is often hard, tough, and difficult for people to change their respective habits because these habits fulfill human desires with sound satisfaction. However, people can learn not to respond to the initial cue for some habit, as well as the potential rewards for this habit, with the same old routine process. For instance, Starbucks teaches all of its employees willpower by training them to remain calm in response to some inflection points, or some situations where these employees would probably experience substantially weaker self-discipline. Altering some keystone habits helps start good new actions, mindsets, and behaviors in place of bad old habits.

The biggest American retailers, Amazon, Target, Walmart, P&G, and Home Depot often sell to consumers by analyzing their shopping habits. From month to month, these shopping habits help reinforce some specific patterns of retail commerce in the major metropolitan cities and regions across the country. Paul O’Neill of Alcoa, Howard Schultz of Starbucks, former American football safety coach Tony Dungy, and Martin Luther King continue to shape social changes and cultural movements by building new good habits, mindsets, values, cultures, actions, and behaviors as a replacement for old bad ones.

Habits arise, emerge, and persist often because the human brain constantly looks for new and optimal ways, lifestyles, and solutions to save time, effort, energy, and consideration. The human brain often cannot tell the difference between bad and good habits. If we have a bad habit, this bad habit always lurks there in the human brain, waiting for the right cues and rewards. As we associate the central cues with some potential rewards, some subconscious human desire emerges in the human brain. This human desire starts, spins, and sustains the positive habit loop. Human desires drive habits. For this reason, it is easier for us to develop a new habit when we figure out how we can better spark some human desire.

To change an old bad habit, we should address some old human desire. We would need to keep the same cues and rewards as before. At the same time, we should feed the same human desire by inserting a new routine process. This new routine process connects the dots between the same cues and rewards in support of better human satisfaction with respect to the same human desire. In clinical trials, doctors ask patients to describe what triggers their habitual actions, desires, and behaviors with greater focus, self-awareness, internal motivation, persistence, and resilience. For instance, Alcoholics Anonymous (AA) recovery programs insist on forcing their alcoholics to recognize their initial cues. This greater self-awareness serves as the first step in habit reversal.

Further, some habits have the power to start a chain reaction. These habits change other habits as they move through a new organization. Keystone habits start a new routine process in support of gradual transformation in all major aspects of modern life, business, innovation, and entrepreneurship. New positive cultures grow out of these keystone habits in every new organization, whether leaders are aware of the new cultures and keystone habits or not. Just as choosing the right keystone habits can create radical and revolutionary positive changes in human mindsets, insights, actions, and behaviors, the wrong keystone habits can create human disasters too. In our global society, a new social movement starts because of the positive habits of friendship, as well as the social ties of rapport between close friends, co-workers, and other acquaintances. This fresh social movement grows substantially within a short time frame due to the weak ties for holding clans and neighborhoods together, as well as the positive habits of a broader community. In theory, in practice, or both, this new social movement endures often because the leaders often tend to provide participants with new, non-obvious, useful, and creative habits, cultures, mindsets, insights, actions, and behaviors. In turn, these new habits create a fresh sense of identity. In time, this fresh sense of identity often empowers numerous participants to feel their broader, better, and greater ownership of the new social movement. In this new routine process, these various participants become part of the social good. At the same time, these participants gently learn to apply this new routine process to connect the dots between the same cues and rewards. In the rare unique fashion, human willpower becomes a new habit. By choosing a new set of mindsets, actions, and behaviors well ahead of time, participants follow some new routine process in support of the broader social movement. This new positive social movement arises at particular inflection points, junctures, and episodes of human history.

Below we provide hyperlinks to many other recent podcasts, surveys, research articles, and blog posts on global macro-finance, asset return prediction, trade, technology, fiscal-monetary policy coordination, and fundamental industry analysis for stock market investors worldwide. Key technological advancements include generative artificial intelligence (Gen AI) large language models (LLM), electric vehicles (EV), autonomous robotaxis (AR), virtual reality (VR) headsets, semiconductor microchips, high-speed broadband networks, telecoms, cloud services, social media platforms, quantum computers, and pharmaceutical treatments, medications, and therapies.

Former New York Times science author and Harvard social psychologist Daniel Goleman explains why greater mental focus serves as a vital mainstream driver of personal growth, success, virtue, happiness, and fulfillment in life, business, innovation, and entrepreneurship.

Former New York Times science author and Harvard social psychologist Daniel Goleman explains why emotional intelligence often serves as a more important critical success factor than high IQ for our success, virtue, and happiness in life, business, innovation, and entrepreneurship.

Former New York Times prolific team author, and Pulitzer Prize winner Charles Duhigg delves into how we can change our lives for the better by mastering our habits from day to day.

Serial venture capitalist Ben Horowitz describes many hard truths, lessons, and insights from his rare unique entrepreneurial journey of running LoudCloud from a Silicon Valley tech startup to a $1.65 billion sale to Hewlett-Packard.

Stanford psychology professor Carol Dweck describes, discusses, and delves into the reasons why the growth mindset helps motivate individuals, teams, and senior managers to accomplish more with greater grit, focus, and resilience.

President Trump poses new threats to Fed Chair monetary policy independence again.

What are the mainstream legal origins of President Trump’s tariff policies?

American exceptionalism often turns out to be the heuristic rule of thumb for better economic growth, low and stable inflation, full employment, and macro-financial stability.

In the broader modern monetary policy context, central banks learn to weigh the trade-offs between output and inflation expectations and macro-financial stress conditions.

Today, tech titans, billionaires, serial entrepreneurs, and venture capitalists continue to reshape and even disrupt global pharmaceutical investments for both better healthspan and longer lifespan.

Artificial intelligence continues to reshape the current global market for better biotech advances, medical innovations, and healthcare services.

The global market for GLP-1 anti-obesity weight-loss treatments now grows substantially to benefit more than 1 billion people worldwide by 2030.

Is higher stock market concentration good or bad for Corporate America?

Geopolitical alignment often reshapes and reinforces asset market fragmentation in the broader context of financial deglobalization.

The global cloud infrastructure helps accelerate the next high-tech revolutions in electric vehicles (EV), virtual reality (VR) headsets, artificial intelligence (AI) online services, and the metaverse.

The new homeland industrial policy stance tilts toward greater global resilience across the major high-tech supply chains worldwide.

China poses new threats to the U.S. and its western allies.

How can generative AI tools and LLMs help enhance human productivity?

What are the macrofinancial ripple effects of central bank digital currency (CBDC) design, issuance, and broad user adoption?

Both BYD and Tesla have become serious global manufacturers of electric vehicles (EV) worldwide.

With U.S. fintech patent approval, accreditation, and protection for 20 years, our AYA fintech network platform provides proprietary alpha stock signals and personal finance tools for stock market investors worldwide.

We build, design, and delve into our new and non-obvious proprietary algorithmic system for smart asset return prediction and fintech network platform automation. Unlike our fintech rivals and competitors who chose to keep their proprietary algorithms in a black box, we open the black box by providing the free and complete disclosure of our U.S. fintech patent publication. In this rare unique fashion, we help stock market investors ferret out informative alpha stock signals in order to enrich their own stock market investment portfolios. With no need to crunch data over an extensive period of time, our freemium members pick and choose their own alpha stock signals for profitable investment opportunities in the U.S. stock market.

Smart investors can consult our proprietary alpha stock signals to ferret out rare opportunities for transient stock market undervaluation. Our analytic reports help many stock market investors better understand global macro trends in trade, finance, technology, and so forth. Most investors can combine our proprietary alpha stock signals with broader and deeper macrofinancial knowledge to win in the stock market.

Through our proprietary alpha stock signals and personal finance tools, we can help stock market investors achieve their near-term and longer-term financial goals. High-quality stock market investment decisions can help investors attain the near-term goals of buying a smartphone, a car, a house, good health care, and many more. Also, these high-quality stock market investment decisions can further help investors attain the longer-term goals of saving for travel, passive income, retirement, self-employment, and college education for children. Our AYA fintech network platform empowers stock market investors through better social integration, education, and technology.

Former New York Times team journalist and Pulitzer Prize winner Charles Duhigg delves into how we can change our lives for the better by mastering our habits from day to day. - Blog - AYA fintech network platform provides proprietary alpha stock signals and personal finance tools for stock market investors.

This new self-improvement book review delves into the non-fiction best-seller, The Power of Habit, w...

https://ayafintech.network/blog/self-improvement-book-review-the-power-of-habit-by-charles-duhigg/

Monica McNeil

2025-03-23 03:41:22

Bullish

Quantitative fundamental analysis

Our latest podcast deep-dives into why, whether, and how today tech titans, billionaires, serial entrepreneurs, and venture capitalists continue to reshape and even disrupt global pharmaceutical investments for both better healthspan and longer lifespan.


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This fun podcast is about 10 minutes long (with smart AI podcast generation from Google NotebookLM). https://bit.ly/41KDNLp

We discuss, describe, and delve into the new medical sciences of longer longevity and their broader implications for stock market investments. In our modern human history since 1950, the average life expectancy worldwide has incrementally risen by 3 months to 5 months each year. The vast majority of men and women can now expect to live well beyond 70 years in many of the rich countries. This demographic mega trend reflects new medications, treatments, and therapies for many common diseases, disorders, symptoms, and other health conditions in association with old age. These diseases, disorders, and other health conditions include heart diseases, diabetes, Alzheimer’s and Parkinson’s diseases, sleep apnea and other disorders, peripheral arterial diseases, liver and kidney diseases, some sorts of cancers, non-alcoholic steato-hepatitis, knee osteoarthritis, and so forth. Many tech titans have invested heavily on high-efficacy medications, treatments, and therapies for these diseases, disorders, and other health conditions in support of both longer lifespan and substantial improvements in the health quality of life.

However, there are at least 2 major caveats. First, the increases in human lifespan are only incremental and so eventually confront the upper limit. Although the global number of centenarians continues to grow over time, this number seems to stretch its limit in due course. A recent Pew Research survey shows the new projection of more than 3.7 million centenarians worldwide by 2050, or almost 3 times as many centenarians per head of population as in 2015. Nonetheless, only one in 1,000 of these centenarians can live beyond 110 years, and almost no one can live beyond 120 years in modern human history. The maximum human age seems to rise at a much slower pace than the average human life expectancy does in recent decades. Second, the average healthspan, or the number of healthy vital years, may or may not keep pace with longer lifespan. For this reason, many tech titans have invested heavily in modern AI technological advancements in new medications, treatments, and therapies to support both longer lifespan and substantial health improvements in the quality of life for many men and women worldwide. Further, pharmaceutical titans have invested significantly in brand-new third-generation anti-obesity weight-loss medications primarily due to their increasingly higher efficacy and other health benefits. As many men and women now live longer lives, longer lifespan reflects a mix of clean, lean, and healthy lifestyle changes, choices, and decisions from good diet and regular exercise to smarter and better sleep, mood control, less or minimal stress, and deeper, greater, and broader social integration with family and friends. Today, new biomedical innovations, research endeavors, and capital investments help slow down and even reverse human age progression.

Several stock market magnates, moguls, tycoons, and key venture capitalists have been instrumental in the creation of lean startups in support of both longer lifespan and better healthspan. For instance, the serial venture capitalist and co-founder of PayPal and Facebook etc, Peter Thiel, invested a hard, high, and hefty fraction of his personal net worth in many medtech advances and lean startups in health care, precision medicine, and biotechnology. These ventures include Palantir, Women’s Healthcare Fund, Founders Fund, and Lindus Health. Specifically, Thiel invested more than $410 million in a strategic partnership between Palantir and the British National Health Service (NHS) to completely revamp the NHS patient data system. In addition, Thiel supported Recharge Capital’s $200 million Women’s Healthcare Fund to focus on high-efficacy alternative medications, treatments, and therapies for breast cancer, endometriosis, and polycystic ovary syndrome (PCOS). Through Founders Fund, Thiel invested many millions of dollars in 5 major lean startups for better biotech and medtech advances, inventions, and solutions. These major lean startups span Forward Health, Emerald, Cambrian, Counsyl, and Stemcentrx (now as part of AbbVie). In the meantime, these ventures focus on the new, non-obvious, and next-generation technical advances and medical innovations in biometric body scans, blood tests, stem cell therapies, and genetic modifications for better disease prevention. In recent years, Thiel contributed to the $6 million venture investment fund for the London company, Lindus Health, to dramatically speed up clinical trials for new medications, treatments, and therapies.

The Stanford co-founders of Google, Larry Page and Sergey Brin, invested heavily in better biotech, healthcare, and precision medicine too, primarily through 2 major Alphabet subsidiaries Verily and Calico. Today, Verily focuses on new medications, treatments, and therapies for dyspraxia, dyslexia, sleep apnea, insomnia, anxiety, depression, and other mental health and movement disorders. Furthermore, Verily seeks to eradicate all sorts of infectious diseases by killing insects and mosquitoes with the Zika, dengue fever, and other viruses and bacteria etc. In addition, Google DeepMind applies machine-learning algorithms and other AI-driven instruments to substantially sharpen the medical predictions of fatal diseases such as kidney and liver failures, stroke, cardiac arrest, sepsis, and pulmonary embolism.

Google DeepMind has built a new program, AlphaFold, from the previous success of AlphaGo in outperforming the top Go chess players worldwide. With AlphaFold, biomedical scientists help accelerate the major identification of new compounds in better clinical trials. Specifically, AlphaFold analyzes how some sequence of amino acids folds into the particular shape for some sort of protein. In essence, AlphaFold helps identify the more complex set of rules for some sequence of amino acids to fold biomedically into the same shape for some sort of protein in the human body. With tremendous success worldwide, AlphaFold accelerates and so revolutionizes the new wave of innovative drug discovery in support of smarter, faster, and better AI-driven medications, treatments, and therapies. In 2024, Google DeepMind CEO and Co-Founder Sir Demis Hassabis and DeepMind Director Dr John Jumper won the Nobel Prize in Chemistry for their recent design and development of AlphaFold for predicting the structures of different proteins from their amino acid sequences. Hassabis and Jumper shared this Nobel Prize with Dr David Baker who worked on computational protein design.

Many clever biomedical scientists had been trying hard to create computer models of the structural processes for folding amino acids into proteins in the human body for many decades. Just as AlphaGo trounced the best Go chess human players in recent years, AlphaFold substantially improved the best efforts of many biomedical scientists in past decades. Specifically, the shape of each protein reveals immense practical importance in terms of what the protein does alone, what other molecules can do to this protein, and the complex chemical interactions between each protein itself and its nearby and adjacent molecules and chains of amino acids. Almost all the basic structural processes of life depend on new complex chemical interactions among vital proteins, molecules, amino acid chains, and so forth. The vast majority of new drug discovery programs aim to find some sorts of molecules in support of desirable chemical interactions. Sometimes these molecules block specific protein actions, and sometimes these molecules encourage and stimulate specific protein actions. Before AlphaFold, more than 50 years of structural biology had produced several hundred thousand reliable protein structures through the traditional X-rays and nuclear-magnetic resonance techniques. AlphaFold and its closest rivals and competitors, ESMFold by Meta AI, OmegaFold by Helixon, and RoseTTAFold by Baker Lab, have provided more than 600 million sharp and accurate predictions of protein shapes for AI-driven medications, treatments, and therapies. Today, these deep machine-learning algorithms and Gen AI models, robots, and instruments etc continue to accelerate new technological advancements in structural biology.

Nowadays, Larry Page and Sergey Brin drive and steer Calico’s scientific research endeavors to build up new longitudinal patient databases. The next steps can help reveal the mainstream medical mechanisms for human age progression. In close collaboration with top institutions such as Harvard Medical School and Mayo Clinic, Calico delves into how biomedical doctors, scientists, and other health specialists can use new medications, treatments, and therapies to help slow down the natural course of human age progression. Today, the Food and Drug Administration (FDA) still does not recognize old age as a disease state and therefore as a proper target for treatment in America. Despite this current obstacle, Calico now navigates many health factors, forces, and biochemical interactions for medical intervention. These best efforts can combine to help each patient return to the new normal steady state. Even though these best efforts cannot reverse human age progression, these best efforts can perhaps help extend human healthspan dramatically in due course.

The founder and serial entrepreneur of Amazon, Jeff Bezos, invested in numerous companies in support of early cancer detection (Grail), immunotherapy (Juno), and anti-aging research (Unity) primarily through his venture fund, Bezos Expeditions. In recent years, the CEO and co-founder of OpenAI, Sam Altman, backed the $1 billion round for the AI-driven healthcare startup, Retro Biosciences, in support of new medications, treatments, and therapies for common diseases, disorders, and other health ailments. Through the Gates Foundation, Bill Gates invested heavily in new high-efficacy medications, vaccines, treatments, therapies, and healthcare services worldwide. Specifically, the Gates Foundation provides a $90 million prize for the new, non-obvious, next-generation pneumococcal conjugate vaccine (PCV). In accordance with the original prize proposal by Nobel Laureate Michael Kremer, the Gates Foundation strives to prevent pneumococcal infections by providing the new vaccine to each person at the $2.00 marginal cost. In recent years, the Gates Foundation continues to finance global biomedical research programs to eradicate HIV-AIDS, tuberculosis, polio, and malaria, especially in sub-Saharan Africa. With Quantum Biosciences, the Gates Foundation now aims to advance mRNA vaccine design, research, and mass production for efficient Covid prevention. Through the Dementia Discovery Fund, Bill Gates supports many lean-startup ventures on new medications and treatments for Alzheimer’s and Parkinson’s diseases. In addition, Gates continues to finance Foundation Medication in support of the new discovery of DNA sequences for cancer medications. Today, Bill Gates serves as one of the major investors in Ginkgo Bioworks. This biotech company helps tailor biochemical health products and medications to men and women with specific DNA sequences. We believe these resultant biomedical research developments can come to fruition in due course.

Beneath the forest canopy of pharmaceutical titans and startups with tech royalty, an undergrowth of lean startups continues to work on new medications, treatments, and therapies against some aspects of human age progression. The basic insight catches on of prolonging both lifespan and healthspan with some pills and potions, in addition to the more conventional baseline approach of diet, exercise, and high-quality sleep. New diagnostic tools, machines, and instruments provide the means for biomedical scientists to calculate the biological ages of both bodies and organs by comparison to actual calendar ages. In principle, this new capability allows both lifespan and healthspan studies to attain remarkable results in less than a lifetime. New gene modifications further help analyze vast amounts of gene sequence data. This new capability helps personalize new stem cells, medications, and treatments with a broader menu of therapeutic options.

Unlike many machines, bodies both make themselves and repair themselves. Why do human bodies age progressively with so many imperfections? Perhaps the high designer of life, natural evolution, focuses on better reproduction instead of longer lifespan. Life arises as a result of genes, development, behavior, and the broader environment. With accidents, predators, and diseases, the environment kills many creatures. Genes with health benefits that show up only over a longer lifespan than the broader environment allows in practice are not likely to perform particularly well in reproduction unless these genes provide some other health benefits. Genes that provide a fertile youth with successful reproduction are often onto a winner. There is some evidence that one variant of a specific gene in association with Alzheimer’s and Parkinson’s diseases provides reproductive advantages to young people.

From the evolutionary point of view of the genes, a person is a way to make further copies of the genes. In this wider view, a person’s life is a means to an end but not an end in itself. Keeping the human body’s repair mechanisms in tip-top conditions is worthwhile only if the human body gets more genes into the next generation. In this disposable soma approach, the person is a means to an end, and we abandon the life if it is no longer fit for the mainstream purpose of reproduction. This broader perspective helps explain why many diseases and other health conditions are often common in old age but relatively rare in early life. These diseases and other health conditions include Alzheimer’s and Parkinson’s diseases, diabetes, heart diseases, some sorts of cancers, retinal degeneration, osteoarthritis, and so forth.

Many genes have variants, also known as alleles, and all of these alleles work but may cause slightly different effects. With the genetic manipulation of lab organisms, some studies of the genes of human centenarians have identified alleles of specific genes that have been proven experimentally to prolong lifespan. These genes also result in significant improvements in the health quality of life. In recent years, these new studies can often help illuminate the natural course of human age progression. In recent years, these new studies suggest 12 hallmarks of human age progression. The dirty dozen spans genomic instability, telomere attrition, epigenetic alteration, metabolic decline for nutrient energy, mitochondrion dysfunction, proteostasis loss, stem cell exhaustion, chronic inflammation, autophagy decline, dysbiosis, cellular senescence, and intercellular breakdown. We delve into the mainstream scientific progress on each of these 12 hallmarks of human age progression. The devil is in the detail. Biomedicine can be quite complex. Sometimes a biomedical intervention may perform well in more than one field. At other times, there may be trade-offs in new medications, treatments, and therapies. We discuss, describe, and delve into the biomedical sciences of both longer lifespan and smarter and better healthspan, as well as their broader implications for stock market investments.

With U.S. fintech patent approval, accreditation, and protection for 20 years, our AYA fintech network platform provides proprietary alpha stock signals and personal finance tools for stock market investors worldwide.

We build, design, and delve into our new and non-obvious proprietary algorithmic system for smart asset return prediction and fintech network platform automation. Unlike our fintech rivals and competitors who chose to keep their proprietary algorithms in a black box, we open the black box by providing the free and complete disclosure of our U.S. fintech patent publication. In this rare unique fashion, we help stock market investors ferret out informative alpha stock signals in order to enrich their own stock market investment portfolios. With no need to crunch data over an extensive period of time, our freemium members pick and choose their own alpha stock signals for profitable investment opportunities in the U.S. stock market.

Smart investors can consult our proprietary alpha stock signals to ferret out rare opportunities for transient stock market undervaluation. Our analytic reports help many stock market investors better understand global macro trends in trade, finance, technology, and so forth. Most investors can combine our proprietary alpha stock signals with broader and deeper macrofinancial knowledge to win in the stock market.

Through our proprietary alpha stock signals and personal finance tools, we can help stock market investors achieve their near-term and longer-term financial goals. High-quality stock market investment decisions can help investors attain the near-term goals of buying a smartphone, a car, a house, good health care, and many more. Also, these high-quality stock market investment decisions can further help investors attain the longer-term goals of saving for travel, passive income, retirement, self-employment, and college education for children. Our AYA fintech network platform empowers stock market investors through better social integration, education, and technology.

Today, tech titans continue to reshape and even disrupt global pharmaceutical investments for both better healthspan and longer lifespan. - Blog - AYA fintech network platform provides proprietary alpha stock signals and personal finance tools for stock market investors.

This report delves into how today tech titans, billionaires, and venture capitalists continue to res...

https://ayafintech.network/blog/today-tech-titans-reshape-global-pharmaceutical-investments-for-both-better-healthspan-and-longer-lifespan/\nThis

Rose Prince

2023-06-10 03:55:26

Bullish

Quantitative fundamental analysis

Economists often praise as pluralism the interplay of special interest groups in public policy. Interest group theory portrays public policy as the equilibrium in the struggle between special interest groups. This equilibrium need not be the same as the majority preference. Pluralists often view this equilibrium as the best possible approximation of the public interest in a large and diverse society. In America, more than one-half of all personal income escapes taxation through various exemptions, deductions, and special treatments in tax laws. Tax laws treat different types of income differently. These different tax laws penalize work and investment and divert capital investment into non-productive tax shelters and an illegal black economy. The unfairness and inefficiency of these complex tax laws arise from special interest groups. Political considerations sometimes may or may not adequately reflect these special interests in tax policy pluralism.

Since 2010, the top marginal tax rate has been 39.6% in America. Slightly more than half of the U.S. population pays income taxes. The personal income tax is the federal government’s largest single source of revenue. Since 2010, there are 7 progressive personal income tax brackets: 10%, 15%, 25%, 28%, 33%, 35%, and 39.6%. These tax rates apply progressively to income levels (or tax brackets), which stick to annual dollar indices to reflect inflation. The federal income tax is the pay-as-you-earn deduction from the paychecks of U.S. employees except farm and domestic workers. This withholding system is the backbone of the income tax. Many Americans often feel surprise to learn that almost half of all U.S. personal income escapes taxation. The U.S. tax laws draw a distinction between gross income (which is each person’s total money income minus personal work expenses) and taxable income (the part of gross income subject to taxation). Federal tax rates apply only to taxable income. Federal tax laws allow many reductions in gross income in the calculation of taxable income.

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#size #value #momentum #profitability #assetgrowth #marketrisk #dividendyield #revenuegrowth #macd #rsi 

AYA fintech network platform https://ayafintech.network/blog/tax-policy-pluralism-for-addressing-special-interests/

Tax policy pluralism for addressing special interests - Blog - AYA fintech network platform for stock market investors

Tax policy pluralism for addressing special interests

https://ayafintech.network/blog/tax-policy-pluralism-for-addressing-special-interests/

Olivia London

2023-06-07 03:45:46

Bullish

Quantitative fundamental analysis

Traditionally, fiscal and monetary policies were made incrementally. In these policy reforms, decision-makers tended to concentrate their attention on modest changes in the extant taxes, expenditures, and fiscal deficits etc, as well as the money supply, inflation, and interest rates. Under this pervasive incrementalism, the U.S. President and Congress would not reconsider the value of all extant programs each year. Neither would the U.S. President and Congress pay much attention to the current levels of fiscal expenditures. The previous year’s budgets would serve as a base of government expenditure for each program. Attractive consideration of the budget proposals focused on new items (i.e. incremental increases) over the previous year’s base. In this view, the U.S. President and Congress would only evaluate incremental changes in fiscal budgets and expenditures, as well as incremental changes in the baseline expectations of economic output growth, inflation, and interest rates etc. In response to the Global Financial Crisis of 2008-2009 and recent rampant corona virus crisis of 2020-2022, U.S. policymakers began to search for new complete fiscal and monetary policies to cause dramatic reforms in fiscal budgets, expenditures, inflation and interest rates, and large-scale asset purchases to avoid a severe domestic recession.

The U.S. federal government has complete authority over fiscal policies (i.e. decisions about taxes, budgets, expenditures, and fiscal deficits), as well as monetary policies or decisions about the money supply and interest rates. Fiscal policy involves the annual preparation of the federal budget by the U.S. President and the Office of Management and Budget (which serves as the largest office of the White House). Congress then considers the annual fiscal budget with appropriation bills and revisions of the tax laws. These decisions determine the federal budgets and expenditures, as well as spending priorities among federal programs. Together with tax policy decisions, the fiscal budgets and expenditures then determine the size of the federal government’s annual fiscal deficits or surpluses. Further, monetary policy is the principal responsibility of the powerful and independent Federal Reserve System. The Federal Reserve System expands or contracts the money supply, and thus inflation, through interest rate changes, large-scale asset purchases, and the ongoing supervisory oversight of interbank loan and payment settlements. The Federal Reserve System seeks to achieve the dual mandate of full employment and price stability through low and stable inflation rates. In addition to this dual mandate, the Federal Reserve System often has to maintain financial system stability with stable and reasonable asset market valuation.

The main goals of economic policy incrementalism include steady growth in economic output (total GDP and GDP per capita) with higher living standards, full and productive employment of the work force across the country, low and stable money supply and inflation, and financial system stability with reasonably high asset market valuation. A variety of economic theories share and so compete for preeminence as ways of achieving these main goals of economic policy incrementalism. From time to time, economic policy incrementalism reflects different economic theories. Or worse, this incrementalism may reflect the gradual accumulation of relevant but contradictory economic theories and considerations simultaneously.

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#size #value #momentum #profitability #assetgrowth #marketrisk #fibonacci #revenuegrowth #dividendyield 

AYA fintech network platform https://ayafintech.network/blog/economic-policy-incrementalism-for-better-fiscal-and-monetary-policy-coordination/

Economic policy incrementalism for better fiscal and monetary policy coordination - Blog - AYA fintech network platform for stock market investors

Economic policy incrementalism for better fiscal and monetary policy coordination

https://ayafintech.network/blog/economic-policy-incrementalism-for-better-fiscal-and-monetary-policy-coordination/

Charlene Vos

2023-06-04 03:46:33

Bullish

Quantitative fundamental analysis

We design a model of corporate ownership and control to assess Berle-Means convergence toward diffuse incumbent stock ownership. Berle-Means convergence occurs when legal institutions for investor protection outweigh in relative importance the firm-specific protection of shareholder rights. While these arrangements are complementary sources of investor protection, Berle-Means convergence draws the corporate outcome to the socially optimal quality of corporate governance. High ownership concentration creates perverse incentives for inside blockholders to steer major business decisions to the detriment of both minority shareholders and outside blockholders. Our analysis sheds skeptical light on high insider stock ownership with managerial entrenchment and rent protection.

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#size #value #momentum #profitability #assetgrowth #marketrisk #fibonacci #revenuegrowth #dividendyield 

AYA fintech network platform https://ayafintech.network/blog/berle-means-corporate-ownership-governance/

Better corporate ownership governance through worldwide convergence toward Berle-Means stock ownership dispersion - Blog - AYA fintech network platform for stock market investors

Better corporate ownership governance through worldwide convergence toward Berle-Means stock ownersh...

https://ayafintech.network/blog/berle-means-corporate-ownership-governance/

Apple Boston

2023-05-31 03:28:03

Bullish

Hybrid analysis

In recent times, the Biden administration launches further China investment curbs ahead of the upcoming G7 summit. Given many twists and turns in the Sino-American trade war, the recent rise in political and economic tensions is reasonably predictable. History has shown that hostile state-to-state relations inevitably occur when a rapidly rising power (China) starts to seriously threaten to displace a major ruling power (America). As Former Dean of Harvard Kennedy School of Government Graham Allison explains in detail, China and America might have fallen into this Thucydides trap in the form of a zero-sum trade war. The next U.S. trade executive order is likely to further restrict U.S. outbound investments to China in some areas of critical technology such as semiconductors and 5G telecom networks.

Semiconductors have been a key battleground for China-U.S. tensions because many U.S. policymakers are wary that Chinese advances in semiconductor technology may put the U.S. at a military disadvantage. In accordance with the recent U.S. CHIPS and Science Act, the main subsidies help revitalize the U.S. semiconductor manufacturing industry. These critical tech subsidies are only a drop in the bucket in stark comparison to what would be necessary to build out a domestic industry on the scale for U.S. high-tech consumption needs. Since the Trump administration, China-U.S. trade has tracked well below where this bilateral trade would have been in the absence of state-to-state trade war tensions. Bilateral foreign direct investment (FDI) flows should have increased dramatically in recent years. These FDI flows have instead declined as the Chinese Xi administration has already constrained outbound FDI in Mainland China, Hong Kong, and Macao etc. For these reasons, investor sentiment among many multinational corporations toward China has become more cautious in recent quarters.

Now the U.S. and Europe further derisk and decouple from China by substantially shortening the global supply chains for semiconductors, microchips, and 5G telecom networks across both continents. China’s distinct pro-cyclical economic environment shows relatively strong macro momentum and recovery from the recent rampant corona virus crisis of 2020-2022. In the meantime, many macro economists hail low inflation and interest rates in China. This growth combo for better asset market diversification seems more attractive than the current macro backstop in America and Europe. In light of recent geopolitical and economic tensions between the U.S. and China, the risk-reward trade-off has become more difficult, but China remains investable. From Alibaba (e-commerce), BYD (the biggest electric car rival to Tesla in East Asia), and Tencent (the biggest online company in East Asia) to Baidu (the dominant Chinese search engine) and ByteDance (the parent company of TikTok), Chinese tech titans continue to deliver relatively high and persistent returns well above the long prevalent stock market benchmarks such as S&P 500, Nasdaq, Dow Jones, MSCI USA, MSCI Europe, and MSCI World etc. Further, Huawei and ZTE still dominate the 5G telecommunication market worldwide. These Chinese tech giants still retain rare and unique competitive advantages in their specialty fields.

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#size #value #momentum #profitability #assetgrowth #marketrisk #longreversal #dividendyield #revenuegrowth 

AYA fintech network platform https://ayafintech.network/blog/the-us-further-derisks-and-decouples-from-china/

The U.S. further derisks and decouples from China. - Blog - AYA fintech network platform for stock market investors

Why does the U.S. seek to further economically decouple from China?

https://ayafintech.network/blog/the-us-further-derisks-and-decouples-from-china/

John Fourier

2023-05-29 03:34:38

Bullish

Quantitative fundamental analysis

This article delves into the policy implications of recent bank failures for the 5 core pillars of bank regulation in America. These 5 core pillars include capital adequacy rules, short-term liquidity controls, leverage limits, macroprudential stress tests, and deposit insurance rules. As the Federal Reserve System sharply tightens financial conditions with interest rate hikes to rein in inflation in recent quarters, several banks from Silicon Valley Bank and Signature Bank to First Republic Bank find it more difficult to raise cash amid a rare and unique episode of deposit outflows. At this stage of the current business cycle, the Federal Reserve System targets a terminal interest rate of 5.25% to 5.50%. Central banks tend to be more successful at separating contradictory price stability and financial stability goals (apart from the FOMC dual mandate). In the midst of recent bank failures, the financial stability problem relates to weak near-term liquidity rather than bank capital solvency. If higher interest rates erode the credit quality of riskier assets (such as commercial real estate loans), central banks may find it harder to separate the monetary policy mandate from asset market stability.

What financial sector policies, rules, and regulations should be put in place to protect against the recent bank failures? All U.S. banks with over $100 billion in total assets should be subject to Federal Reserve macro stress tests that include rare but plausible scenarios of interest rate hikes. More stringent bank capital and liquidity requirements are necessary. In addition, simple leverage limits help apply brakes on credit extensions as the real economy recovers from macro economic downturns such as the Global Financial Crisis of 2008-2009 and recent rampant corona virus crisis of 2020-2022. Financial policymakers should further consider providing insurance for all bank deposits above the current threshold of $250,000. The higher deposit insurance coverage threshold would help reduce the risk of future bank runs. However, the higher threshold would inadvertently cause moral hazard in bank credit extensions. This moral hazard problem calls for better supervisory focus on short-term debt management in its various forms.

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#size #value #momentum #profitability #assetgrowth #marketrisk #revenuegrowth #dividendyield #fibonacci 

AYA fintech network platform https://ayafintech.network/blog/bank-failure-resolution-financial-risk-management-silicon-valley-bank-first-republic-bank/

Bank failure resolution and financial risk management: Silicon Valley Bank, Signature Bank, and First Republic Bank. - Blog - AYA fintech network platform for stock market investors

Bank failure resolution and financial risk management: Silicon Valley Bank, Signature Bank, and Firs...

https://ayafintech.network/blog/bank-failure-resolution-financial-risk-management-silicon-valley-bank-first-republic-bank/

Jonah Whanau

2023-05-06 01:53:49

Bullish

Quantitative fundamental analysis

In their in-depth analysis Fragile by Design, Charles Calomiris and Stephen Haber introduce a fresh conceptual framework for better understanding credit abundance and financial chaos within political constraints. Capitalist democracies such as the U.S. and Canada maintain ample credit in the financial system so long as populist forces cannot dominate the policy agenda. Strong autocratic states such as Mexico can also achieve asset market stabilization at the cost of restricting credit. On the other hand, weak autocracies such as Brazil often require inflationary finance and suffer from financial fragility. In macrofinancial history, populist ideologies influence key policy decisions such as bank reorganization, deposit insurance, and the U.S. Community Reinvestment Act. The populist forces often represent the root causes of American bank instability in the recent subprime mortgage default contagion and Global Financial Crisis 2008. By holding populist forces in check through wise and prescient political calculus, Canada remains crisis-free in stark contrast to America. Calomiris and Haber bring political considerations front and center in exploring the bank histories of America, Britain, Canada, Mexico, and Brazil. These case studies help highlight how subpar political choices and decisions can weaken institutional structures such that financial systems become both unstable and crisis-prone with low economic growth, employment, and capital investment accumulation over time. Political factors often shape the institutional trajectory for asset market stabilization. It is quite reasonable for politicians and bureaucrats to believe that political factors play an important role in the provision of bank capital. However, populist ideologies often tend to be the true culprits behind financial crises in America, Britain, Mexico, Brazil, and even East Asia.

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#size #value #momentum #profitability #assetgrowth #marketrisk #longreversal #longrange #fibonacci #rsi 

AYA fintech network platform https://ayafintech.network/blog/calomiris-and-haber-delve-into-the-comparative-analysis-of-bank-crises-and-politics-worldwide/

Calomiris and Haber delve into the comparative analysis of bank crises and politics in America, Britain, Canada, Mexico, and Brazil. - Blog - AYA fintech network platform for stock market investors

Calomiris and Haber delve into the comparative analysis of bank crises and politics in America, Brit...

https://ayafintech.network/blog/calomiris-and-haber-delve-into-the-comparative-analysis-of-bank-crises-and-politics-worldwide/

John Fourier

2023-04-29 01:57:32

Bullish

Qualitative technical analysis

Harvard macrofinance professors Carmen Reinhart and Kenneth Rogoff delve into many centuries of financial crises from the Middle Ages to the modern era in global macrofinancial history. The main thesis shows how history can offer not only useful perspective, but also prescient forward guidance in the aftermath. Through this in-depth informative analysis, Reinhart and Rogoff help inspire original empirical work in long-run macrofinancial history. In an empirical view, Reinhart and Rogoff set a higher bar for a comprehensive quantitative historical treatment of financial crises. In contrast to the typical narrative and case-specific methods of financial history by Barry Eichengreen and Charles Kindleberger, Reinhart and Rogoff look for the key general truth that might arise from a panoramic large-sample view. The Reinhart-Rogoff scope of empirical work is very long in terms of time. There is full coverage of pre-1800 macroeconomic events to support the common claim in the book title. After 1800, Reinhart and Rogoff undertake meticulous empirical work to analyze a comprehensive database for 66 countries. The main financial crises include bank, sovereign debt, and currency crises. Reinhart and Rogoff further consider several macrofinancial covariates such as economic output, inflation, exchange rates, and interest rates etc.

From a methodological perspective, the most fundamental and forceful thesis from Reinhart and Rogoff is that global economic history comprises pervasive, episodic, and recurrent sovereign debt, bank, and currency crises in rich and poor countries. These global financial crises are rare events in association with severe economic recessions. From the chambers of power to our academic analysis of global macro financial history, we can learn from the deep Reinhart-Rogoff empirical thesis that substantive cross-country evidence shows rare but episodic crises in the financial system. Reinhart and Rogoff suggest that we can perhaps understand these rare events properly across both space and time. We need to assess the modern macro regimes and institutions in order to better understand dynamic processes at work. In this positive light, Reinhart and Rogoff offer long-term evidence for 66 countries. In this much broader long-run cross-country context, financial crises tend to recur on the basis of common fault lines in the macrofinancial system.

Carmen Reinhart and Kenneth Rogoff analyze long-run crisis data to find the root causes of financial crises for better bank capital regulation and asset market stabilization. - Blog - AYA fintech network platform for stock market investors

Carmen Reinhart and Kenneth Rogoff delve into several centuries of cross-country crisis data to find...

https://ayafintech.network/blog/carmen-reinhart-and-kenneth-rogoff-analyze-long-run-crisis-data-to-find-the-root-causes-of-financial-crises-for-better-bank-capital-regulation-and-asset-market-stabilization/

Becky Berkman

2023-04-19 05:00:18

Bullish

Quantitative fundamental analysis

We assess the quantitative effects of the recent proposal for more robust bank capital adequacy (Admati and Hellwig, 2013; Myerson, 2014). Our theoretical proof and evidence accord with the core thesis that banks become more stable by increasing its equity capital cushion to absorb extreme losses in times of severe financial stress. This analysis contributes to the ongoing policy debate on total capital adequacy. Our Monte Carlo simulation helps develop an analytical solution for the default probability adjustment through the macroeconomic cycle. This study poses a conceptual challenge to the normative view that banks should maintain high leverage over time.

Our current study first derives the mathematical result and then uses Monte Carlo simulation to demonstrate that there is a significant difference between the TTC0 and TTC1 PD estimates. Insofar as the vast majority of individual PDs land in the convex region of the highly non-linear PD function, the mathematical notion of Jensen’s inequality suggests that the TTC1 PDs would be much lower than the TTC0 PDs. It is important to note that the TTC0 PD adjustment by brute force can be computationally intensive. For the sheer volume of a typical bank’s retail and wholesale portfolios, it can be prohibitively costly to carry out the TTC0 PD adjustment by brute force. For this reason, we propose a convenient approximation, TTC2 and TTC3, via the higher-order Taylor-series expansion. Our empirical analysis suggests that this approximation is closer to the TTC0 PD origin by a full order of magnitude.

Our analytical result suggests that the conventional industry practice introduces a downward bias in the default probability adjustment for bank capital measurement. In contrast to the TTC1 PD adjustment, both the TTC0 PD adjustment by brute force and the TTC2 and TTC3 PD alternative methods result in higher default probabilities. This evidence has important implications in the context of the recent proposal for banks to hold more equity capital (Admati, DeMarzo, Hellwig, and Pfleiderer, 2011; Admati and Hellwig, 2013; Kashyap, Stein, and Hanson, 2010; Myerson, 2014). Specifically, our results bolster the case for revisiting the newly introduced 3%-6% equity capital requirement under the Basel bank capital regime. In contrast to this rather lenient regulatory equity capital requirement, our empirical results suggest that the typical bank’s equity capital as a proportion of the total asset base should be as high as 22%-26%. This broad range is consistent with the qualitative implications of the recent proposal for banks to substantially raise their equity capital ratios that would become more commensurate with financial risk exposure that such banks would face in a rare severe macroeconomic recession (e.g. Admati and Hellwig (2013); Kashyap, Stein, and Hanson (2010); Myerson (2014)). Also, our analysis can be extended to help design a macroeconometric stress test for bank capital management. Overall, our research advocates support for more robust total capital adequacy. This endeavor thus serves as a scientific microfoundation for the central thesis that banks can become more stable by holding a greater capital cushion to absorb large losses in times of severe financial stress.

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#size #value #momentum #profitability #assetgrowth #marketrisk #fibonacci #dividendyield #industry #accrual 

AYA fintech network platform https://ayafintech.network/blog/bank-capital-regulation-through-the-real-business-cycle/

Bank leverage and capital bias adjustment through the macroeconomic cycle - Blog - AYA fintech network platform for stock market investors

Bank leverage and capital bias adjustment through the macroeconomic cycle

https://ayafintech.network/blog/bank-capital-regulation-through-the-real-business-cycle/

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