To The Moon

Will AI model take into communites stock ? This is where OpenAI and Microsoft have raised concerns, alleging that DeepSeek might have used ChatGPT to train its model. OpenAI has spent billions scraping the internet to train its model, despite facing ongoing copyright disputes. For DeepSeek, replicating this approach would be both inefficient and constrained by limited GPU availability and financial resources. Instead, it leveraged distillation to train its model. If distillation becomes widespread, building AI models will become significantly easier. Developers can now train new models using multiple existing AIs, each excelling in different areas. This is precisely what DeepSeek did—it distilled knowledge from Meta’s open-source Llama model and Alibaba’s Qianwen. Furthermore, it incorpora

Happy new year to everyone L

In contrast, individual borrowers have shown resilience. Chinese households have become more prudent, with savings rising in recent years. Many individuals have even repaid their loans early, reflecting a cautious approach to managing uncertainty and mitigating risks in a weakened property market. Despite concerns around corporate real estate loans, these account for less than 5% of BOC’s total loan book. The bank has also made sufficient allowances for potential bad debts. This conservative approach has paid off—rather than a spike in non-performing loans (NPLs), BOC has reported a decline. Its ability to maintain asset quality while simultaneously growing revenue and loans underscores its operational strength and prudent management. Take Bank of China (BOC) as an example. I’ve marked the

Wishing u a happy new year and win plenty of money

Big Name F&B Stocks Are Falling, Should You BuyOr sell ?  Big names like Kraft Heinz, an S&P 500 stock and a holding of Warren Buffett, have seen their share price decline by 20% over the past two years. Kraft Heinz is not an outlier. Other giants such as Campbell Soup, Hershey, Hormel Foods, Brown-Forman, and even European heavyweights like Diageo and Nestlé have also fallen by more than 20% during the same period. Looking at the sea of red across the F&B sector, one might assume a market crash had occurred—yet this stark underperformance stands in sharp contrast to the bullish returns of the broader S&P 500. Brown-Forman, known for its portfolio of liquor brands with Jack Daniel’s as its flagship, has seen its stock struggle due to several factors. Declining alcohol

Waymo, the autonomous driving unit of Alphabet, has reached a tipping point in driverless ride-hailing. It now completes over 100,000 rides per week in the U.S. and, in San Francisco, its market share is on par This progress has understandably caused concern for Lyft and Uber. However, partnering with Waymo instead of competing against it appears to be a smart move. The logic is straightforward: many autonomous driving programs have failed. Uber ended its program in 2020, and GM’s Cruise was paused. Developing the technology is both expensive and complex, but achieving adoption and user trust is an even greater challenge. Waymo has demonstrated it can meet market demand, making it faster and more effective for Uber and Lyft to integrate Waymo’s technology into their fleets rather than rein

Should you still be invested in US stocks in 2025? We believe so, as there are no better alternatives, and US stocks remain in a bullish trend. Our simple yardstick for identifying a bullish market is whether the index is trading above its 200-day moving average. At present, many major markets, including Europe, Japan, India, and China, are below their respective moving averages, indicating bearish conditions. In contrast, US stocks are still trading above this threshold. Some market commentators are raising concerns about the return of inflation. While most commodity prices have been subdued due to past Fed rate hikes, last Friday brought a sharp rebound in prices, with crude oil price jumping more than 3% in one day. Although a single day’s movement doesn’t confirm a trend, it’s worth ke

Waymo, the autonomous driving unit of Alphabet, has reached a tipping point in driverless ride-hailing. It now completes over 100,000 rides per week in the U.S. and, in San Francisco, its market share is on par This progress has understandably caused concern for Lyft and Uber. However, partnering with Waymo instead of competing against it appears to be a smart move. The logic is straightforward: many autonomous driving programs have failed. Uber ended its program in 2020, and GM’s Cruise was paused. Developing the technology is both expensive and complex, but achieving adoption and user trust is an even greater challenge. Waymo has demonstrated it can meet market demand, making it faster and more effective for Uber and Lyft to integrate Waymo’s technology into their fleets rather than rein

Investors should remember that market volatility is a natural part of investing. It has been four months since the last significant volatility spike, measured by the VIX, which occurred in August amid recession fears and unwinding of the yen carry trade. That episode passed, and this one likely will too.Despite the sell-off, the broader market trend remains upward. Prices are still above the 200-day moving average, signaling that the bull market isn’t over. While pullbacks are inevitable, they are not a reason to panic. The ability to stay psychologically resilient during such drops is the price investors pay for superior long-term stock returns. Stay the course. The Fed’s cautious outlook reflects concerns about inflation. Proposed trade tariffs under Trump could increase the cost of good

In an uncertain world, holding something tangible in your hands can provide more security than any paper portfolio. While I don’t believe a global war is imminent in 2025, the probability isn’t zero. The alignment of power blocs and the number of unresolved global flashpoints remain concerning. Ultimately, much depends on the decisions made by global leaders, especially those in the world’s most powerful nations. If rational thinking prevails, 2025 could still be another prosperous year for investors. Let’s hope that diplomacy and strategic calculations triumph over conflict. After all, in a world of interconnected economies, global peace remains the best investment we can make. Given Russia’s deep military entanglements in Ukraine, North Korea might turn to China for support. During the K