Saturday, July 19, 2025

Meta AI: Review my article "Multi-Bagger

 Your article "Multi-Bagger - Finding the next Apple" provides valuable insights into identifying and managing multi-bagger stocks. Here are some key takeaways and suggestions for improvement:

Strengths
  • Your approach to finding potential multi-baggers by screening for companies with doubling sales and profits year-over-year is sound.
  • You emphasize the importance of risk management, including assessing reward/risk ratios and using stop-loss orders.
  • Your examples, such as SMCI, TTWO, and NVDA, illustrate successful multi-bagger investments.
Suggestions for Improvement
  • Consider adding more specific criteria for evaluating companies, such as financial health, competitive advantage, and industry trends.
  • When discussing IPO investing, you might want to elaborate on how to identify promising IPOs beyond the first year, such as analyzing fundamental metrics like P/E ratios and debt/equity.
  • Providing more detailed analysis of your case studies, including specific factors that contributed to their success, could make your strategies more relatable and actionable.
Additional Perspectives
  • Some analysts predict significant growth for Nvidia (NVDA) in the coming years, with potential price targets ranging from $169.34 to $7,500.46 by 2050.
  • Emerging markets, particularly China, may present opportunities for innovative companies with strong government support and a large pool of scientists and engineers ¹ ².
Conclusion
Your article offers practical advice for investors seeking multi-bagger stocks. By refining your strategies and providing more detailed analysis, you can make your approach more accessible and effective for readers.

Wednesday, July 16, 2025

AI review: my book "Humor and Investing"


*** ChatGPT

 Overall, this is an engaging, educational, and refreshingly original guide that blends humor, personal anecdotes, and practical investing advice, making complex concepts more approachable for everyday readers.

Here's a detailed critique by category:


📘 Strengths

Unique Concept

  • Combining humor with investing is rare, and your execution works. It gives readers a break from the usual dry, textbook-style approach.

  • Your inclusion of AI-reviewed content adds a modern, credible twist.

Structure and Accessibility

  • Clear division into three parts:

    • Creative investment articles

    • Humorous fillers

    • Beginner-friendly techniques

  • Perfect for readers to skip around based on interest or experience level.

Value for Beginners

  • Part 3 is particularly strong: simple ETF strategies, risk profiling, and market timing concepts are presented clearly and practically.

  • Specific ETF examples (like VOO, QQQ, SPY) and sample portfolios make it actionable.

AI Integration

  • Smart use of AI for content review, summarization, and even article improvement. This shows readers you're embracing tools that they themselves can use.

Fillers & Humor

  • Fillers such as “Mamma Mia,” “Buffett nightmare,” and “San Joe-Se” inject personality and levity.

  • They provide mental breaks and make the book memorable.

Data-Backed Performance

  • Backtested stock picks with real historical performance add legitimacy.

  • You’re honest about not predicting the future and disclaim responsibly—well done.


🛠 Suggestions for Improvement

1. Cover and Title [Done]

  • The title is catchy, but the cover design (if not already) should reflect a mix of finance and fun.

  • Consider adding a subtitle like: “Wit, Wisdom, and Wealth for Every Investor” to clarify content value.

2. Consistency in Tone

  • Most chapters strike a conversational tone, but a few—like the economic theory discussions—read a bit more academic. Consider lightening those sections or adding more analogies.

3. Typos and Grammar [Done]

  • Several minor typos and spacing issues (e.g., “ChatGPT and/or DeepSeek (AI) which are trustworthy and most unbiased”"...which are trustworthy and among the most unbiased.")

  • “Rating /10 (6*9)” under the book list is unclear. Does this mean “6 out of 9” or a placeholder?

4. Formatting

  • Some tables and lists would benefit from cleaner formatting—especially in PDF or print form.

  • The use of footnotes is helpful, but a cleaner citation system might enhance professional polish.

5. Clarify Pricing Notes [Done]

  • You mention the Kindle version is $9, paperback $24.95, and hardcover $29.95—perhaps restate once more clearly for quick reference.

  • Make the “this book is $2.99 and free for promotion” more prominent up front (and maybe bold in the intro).


⭐ Highlighted Favorite Sections

  • “My Coconut Theory” is outstanding—simple, memorable, and AI-reviewed with high praise. It deserves to be quoted in broader financial education.

  • “Between Two Cries” was emotionally resonant and deeply human—a great surprise in an investing book.

  • "Spotting Big Market Plunges" (though omitted) was hinted to be in-depth and possibly your most technical chapter.

  • AI reviews at the end: useful and give your work credibility and transparency.


Final Thoughts

Your book is fun, informative, and original—a refreshing entry into the investing genre. It provides real value for beginners and intermediate investors while making them laugh and think.

💡 Recommendation: With a bit more polish, this could become a favorite giveaway or supplemental read in financial literacy workshops or investor bootcamps. It’s also a great lead-in to your more serious books.


*** Gemini

"Humor and Investing" by Tony Pow is presented as a guide aimed at helping individuals become better investors, with a particular focus on those looking to improve their investing skills and beginners. The book emphasizes financial literacy and aims to help readers make smarter investing decisions. It is available for free distribution for promotional purposes, and a PDF version is also offered free of charge. The listed price for the Kindle book is $2.99.

The book is structured into three main parts:

  • Part 1: My better or creative articles with links to AI reviews This section offers a sample of the author's investing articles, including topics like "My Coconut Theory" and "Black swans: Predict the unpredictable".

  • Part 2: Fillers for your entertainment This part contains content designed for entertainment, such as tips, personal anecdotes, and jokes, to lighten the mood.

  • Part 3: Simple techniques for beginning investors This section aims to provide a strong foundation for new investors before they delve into more advanced concepts, covering topics like Money Market, CDs & Bonds, Sample portfolio, and Anatomy of a trade.

The author, Tony Pow, has over 30 years of investing experience and has written more than 30 books on the subject. He highlights that most of his books are double the size of an average investing book. The AI ratings for his other major books are listed, including "Art of Investing 5th Edition" (rated 9/10), "Sector Rotation: 21 strategies 5th Edition" (rated 9.5/10), "Using Finviz 5th Edition" (rated 8/10), "Using Fidelity 5th Edition" (rated 9/10), and "Best stocks to buy for 2025" (rated 8/10). These ratings are stated to be from "trustworthy and most unbiased" AI reviewers such as ChatGPT and DeepSeek.

The book also emphasizes the importance of practical pointers, claiming that "Some simple pointer can save you substantial money". It is intended to be a zero-budget way of spreading financial literacy. The author advises readers to consult a financial advisor before making any investment decisions.


Sunday, July 13, 2025

AI Review: my article "Spotting market crashes"

 *** DeepSeek:

Your article is well-structured and packed with valuable insights on spotting market plunges. Below is a detailed review covering strengths, areas for improvement, and suggestions for enhancement:


Strengths

  1. Clear & Practical Advice

    • You provide actionable strategies (e.g., SMA-350, sentiment indicators) with real-world examples (2000, 2008 crashes).

    • The emphasis on risk management ("don’t move all assets to cash at once") is prudent.

  2. Comprehensive Indicators

    • The 11 hints cover technical, fundamental, and behavioral aspects, offering a holistic view.

    • Metrics like P/E ratios, yield curves, and oil prices are well-explained and relevant.

  3. Engaging Tone

    • The writing is conversational yet authoritative, balancing education with caution (e.g., "no guarantees," "educated guessing").

  4. Visual Aids & References

    • Links to charts and tools (Yahoo! Finance, Fidelity) add practicality.

    • Sidebars and cheat sheets enhance usability.


Areas for Improvement

  1. Structure & Flow

    • The chapter starts abruptly. Consider a brief introduction defining "market plunges" and why they matter.

    • Group related hints (e.g., technical analysis + double tops; interest rates + yield curves) for better flow.

  2. Data Freshness

    • Examples focus on 2000–2018. Update with recent cases (e.g., 2020 COVID crash, 2022 inflation-driven drop) to reinforce relevance.

  3. False Signal Handling

    • You mention SMA-350’s increased false alarms post-2011 but don’t detail how to filter them (e.g., combining with volume analysis or MACD).

  4. Risk of Overfitting

    • The SMA-350’s success in 2000/2008 may not guarantee future performance. Acknowledge limitations more explicitly (e.g., QE distorting markets post-2008).

  5. Political/Economic Policies (Hint #10)

    • This section feels vague. Specify which policies to watch (e.g., fiscal stimulus, trade wars) and their typical market impact.

  6. AI Sidebar

    • The ChatGPT examples are useful but could clarify how to interpret AI responses (e.g., "Use AI to cross-check data, not as a sole decision-maker").


Suggestions

  1. Add a Summary Table

    • Condense the 11 hints into a table with columns for IndicatorThresholdAction, and False-Signal Mitigation.

  2. Case Study

    • Include a step-by-step example: *"How I used SMA-350 + AAII sentiment to exit in Q4 2007."*

  3. Reader Engagement

    • End with a call-to-action: *"Track the SMA-350 for 3 months and journal your observations."*

  4. Glossary

    • Define terms like "double top," "margin debt," and "yield curve inversion" for beginners.

  5. Disclaimer Reinforcement

    • Highlight that these tools are probabilistic (e.g., "Even the best indicators fail 20–30% of the time").


Final Thoughts

This is a high-quality, practical guide for investors, blending technical and fundamental analysis with behavioral insights. Tightening the structure, updating examples, and clarifying risk management would make it even stronger.

Rating: 8.5/10 – Excellent content with minor refinements needed.


------------------------------

*** Gemini

This is a well-structured and informative article on spotting market plunges. Here's a review with some suggestions for improvement:

Overall Strengths:

  • Clear and Concise: The article is easy to understand, even for those who might not be deeply familiar with financial jargon.

  • Actionable Advice: It provides concrete "hints" or indicators that readers can use to make more informed investment decisions.

  • Practical Examples: The use of examples like the 2000 and 2008 market plunges, and how the SMA-350 strategy performed, makes the concepts more tangible.

  • Balanced Perspective: The author acknowledges that no method is foolproof and emphasizes the importance of risk tolerance and continuous learning.

  • Emphasis on Risk Management: The idea of "cheap insurance" and not moving all assets to cash at once are valuable takeaways.

  • Helpful Resources: The inclusion of links to Yahoo!Finance and the mention of Fidelity and StockCharts.com provide practical avenues for readers to apply the strategies.

  • Modern Relevance: The section on AI (ChatGPT, DeepSeek, Gemini) as a "second opinion" is a timely and relevant addition.

Areas for Improvement/Suggestions:

  1. Introduction Clarity:

    • The first paragraph states, "This chapter is longer and conceptually dense." While honest, it might slightly deter some readers. You could rephrase it to be more encouraging, e.g., "This chapter delves into powerful concepts that, when applied, can significantly enhance your investment decisions."

    • "The first hint—Technical Analysis—is the most important." This is a strong statement. While you elaborate on it, you might consider briefly explaining why it's the most important earlier, or perhaps soften the phrasing slightly if other hints are also crucial in combination.

  2. Chart Display:

    • You mention, "The following chart is created by Yahoo!Finance. If it does not display well on a small screen, copy the following link to your browser to display it on your PC. http://ebmyth.blogspot.com/2013/05/ta-graph-for-spotting-plunges-chapter.html" This is a good workaround, but ideally, the chart would be directly embedded and responsive. If you're publishing this online, ensure the image is optimized for various screen sizes. If it's a print article, perhaps a higher resolution image is needed. The placeholder image in the provided text is blank, so ensure the actual image is present and clear.

  3. "Eleven Hints" Numbering:

    • The article starts with "1. Technical Analysis (TA) — The Most Important Indicator" but then jumps to "2. Follow the Flow of Money" without a clear "1." for the first hint. It seems like "Technical Analysis" is the first hint, but the numbering is a bit off in the provided text (there's a blank space where "2." should be after the chart, then "3. Market Cycle Duration"). Ensure the numbering is consistent from 1 to 11.

  4. "Note that today’s valuations are influenced by low borrowing costs and globalization."

    • This is a crucial point regarding Valuation Metrics. You might expand slightly on how these factors influence valuations and why it's important to adjust expectations.

  5. "I shifted to traditional sectors in early April 2000—barely ahead of the crash. I did well in oil in 2007 but took losses in 2008 across the board."

    • These personal anecdotes are good for building credibility. You could consider adding one or two more brief, impactful personal examples throughout the article if appropriate, to illustrate the application of other hints.

  6. "As of Oct. 15, 2018, yields were nearly equal—suggesting caution."

    • Since the current date is July 13, 2025, this specific date reference for the yield curve inversion might feel a bit dated to a reader. You could either update this example with more recent data if available, or phrase it more generally, e.g., "Historically, when yields are nearly equal, it suggests caution."

  7. "Links: Market crash https://www.youtube.com/watch?v=GJD2BYhVyrM 6 Signs of market crash https://www.youtube.com/watch?v=ynCXHgeZ_K8"

    • These links are to googleusercontent.com/youtube.com/0 and googleusercontent.com/youtube.com/1. While these are valid YouTube URLs for the model, they are not user-friendly and would not work if copied directly into a browser. You should replace these with actual, human-readable YouTube URLs (e.g., https://www.youtube.com/watch?v=VIDEO_ID).

  8. "Sidebar: Related articles" and "Sidebar: The Cheat Sheet of market timing"

    • These sidebars are good additions. Ensure they are visually distinct in the final layout of the article.

  9. "Artificial Intelligence such as ChatGPT, DeepSeek and Gemini"

    • The sample queries are good. You might add a small disclaimer about AI models not providing financial advice, but rather being tools for information gathering and analysis.

Overall, this is a strong article with valuable insights for investors. Addressing these minor points will further enhance its clarity, relevance, and impact.

----------------------------------------------

*** ChatGPT

Excellent work overall—this is a strong, practical chapter with clear, actionable content. You share both personal experience and specific metrics readers can use immediately. That makes it genuinely useful.

Below I’ll give you (1) general feedback on strengths, (2) high-level suggestions for improvement, and (3) detailed, line-level editing suggestions.


1️⃣ Strengths

Practical and specific — SMA-350, PE levels, yield curve rules. Readers will appreciate this level of detail.
Personal credibility — You share what worked/failed for you.
Balanced tone — You admit limitations (“educated guessing,” “no guarantees”).
Organized — Eleven clear hints, plus cheat sheet and sidebars.
Educational — You don’t oversell, you warn about false signals.

This is genuinely the kind of writing that readers of investing books trust.


2️⃣ High-Level Suggestions

Here are some things to consider for polishing:

Be more consistent in style and formatting.
For example:

  • “Simple moving average” vs “simple Moving Average” vs “350-day SMA” vs “SMA-350” — pick one and use it everywhere.

  • “Re-enter” vs “Reenter” — pick one.

Avoid minor clutter and redundancy.
Some places repeat the same idea twice.

Tighten for readability.
A few sentences are long and can be split.

Minor typos and grammar.
Example:

  • “hie book” → “this book”

  • “8/1/2025rsion” → clearly a typo.

Clarify links and callouts.
Your chart link instructions could be simpler. Your YouTube links could be cleaner.


3️⃣ Detailed Suggested Edits

Below I’ll show line-level revisions with sample rewrites. You can adopt them wholesale or selectively:


📌 INTRO

This chapter is longer and conceptually dense. You’ll get the best results by applying these ideas yourself.

✅ Suggestion: Slightly simpler.

This chapter is longer and conceptually dense. You’ll get the best results by actively applying these ideas.


No single method can predict market cycles perfectly, but combining the following hints increases your odds of making better decisions.

✅ Suggestion: Slightly tighter.

No single method predicts cycles perfectly, but combining these hints improves your odds of better decisions.


The first hint—Technical Analysis—is the most important.

✅ Optional: consider making that really clear, e.g.:

The first hint—Technical Analysis using the 350-day SMA—is the most important.


📌 PURPOSE

No one can consistently call every market top or bottom. This chapter is for educational purposes. But if our guesses are more right than wrong over time, we’ll do well.

✅ Slightly smoother:

No one can consistently call every top or bottom. This chapter is for educational purposes. If our guesses are more right than wrong over time, we’ll do well.


📌 GOAL STATEMENT

Avoid buying stocks during these plunges, which often last more than a year—from market peak to market bottom.

✅ Alternative:

Avoid buying stocks during these plunges, which often stretch over a year from peak to bottom.


The methods here aren’t foolproof, but they’ve worked well for me in past cycles.

✅ Alternative:

These methods aren’t foolproof, but they’ve served me well in past cycles.


📌 SMA-350 SECTION

350 days simple moving average (SMA). Yahoo!Finance

✅ Suggestion: Standardize to:

350-day Simple Moving Average (SMA) example from Yahoo! Finance


Example:
• Exit: Q1 2000 | Re-enter: Q1 2003
• Exit: Dec. 2008 | Re-enter: July 2009

✅ Consistency:

• Exit: Q1 2000 | Reenter: Q1 2003
• Exit: Dec 2008 | Reenter: July 2009


While no indicator is perfect, the SMA-350 often limits large losses. Think of it like insurance—it may cost you some gains, but can protect you when it matters most.

✅ Cleaner:

While no indicator is perfect, the SMA-350 often limits large losses. Think of it like insurance: it may cost some gains but can protect you when it matters most.


Note: I now use Fidelity for charting as Yahoo! sometimes has limitations.

✅ Optional, more neutral:

Note: I now prefer Fidelity for charting, as Yahoo! Finance has some limitations.


📌 SECTION HEADINGS

✅ Consider standardizing:

Example:
2. Follow the Flow of Money
3. Market Cycle Duration

Some headings lack colons or capitalization consistency.


📌 CLUTTER

Rising equity inflows and retail frenzy are also strong contrarian indicators.

✅ Simpler:

Rising equity inflows and retail frenzies are strong contrarian indicators.


I call this Newton’s Law of Investing: what goes up must eventually come down.

✅ Optional: clarify that it's your phrasing:

(What I call “Newton’s Law of Investing”: what goes up must eventually come down.)


📌 VALUATION METRICS

Note that today’s valuations are influenced by low borrowing costs and globalization. Always adjust expectations to the current macro context.

✅ Could be:

Keep in mind that today’s valuations reflect low borrowing costs and globalization. Always adjust expectations to the current macro context.


📌 BUBBLE TRIGGERS

Following these hints back then would’ve saved me a lot.

✅ Smoother:

Following these hints back then would have saved me a lot.


📌 INTEREST RATES

Watch for spikes in margin debt and Fed discount rates above 5%. These usually precede a downturn. Conversely, a rate below 1% may mark a market bottom—time to consider re-entering equities.

✅ Possible split for clarity:

Watch for spikes in margin debt and Fed discount rates above 5%, which usually precede downturns. Conversely, a rate below 1% may mark a market bottom—time to consider reentering equities.


📌 YIELD CURVE

As of Oct. 15, 2018, yields were nearly equal—suggesting caution.

✅ Clarify if this is historical example:

(For example, on Oct 15, 2018, yields were nearly equal—suggesting caution at the time.)


📌 POLICIES

Pay attention to macroeconomic levers.

✅ Maybe more direct:

Always watch macroeconomic levers.


📌 BE CONSERVATIVE

Start small. Don’t risk your entire portfolio based on new strategies—especially from a book you paid $25 for.

✅ Friendlier:

Start small. Don’t risk your entire portfolio on new strategies—especially those from a $25 book.


📌 CONCLUSION

If they were, everyone would be rich.

✅ A touch less casual if you want:

If they were, everyone would be wealthy.


📌 SIDE BARS

📌 LINKS

Market crash
https://www.youtube.com/watch?v=GJD2BYhVyrM

✅ Add context:

Watch: “Market Crash” — YouTube Link


✅ OVERALL RECOMMENDATION

Your content is excellent. These edits would just polish it, and improve clarity.

Friday, July 11, 2025

Shenzhen, The Silicon Valley of the East"

 

AI praises: “strong and engaging”

 

China’s remarkable economic success owes much to the relentless hard work of its people. From students to professionals to factory workers, everyone contributes—something I discuss in my other article, “My Coconut Theory.”

 

Chinese high school education is often described as about four years ahead of its U.S. counterpart. Luckily for us, we can still attract top talent from around the world. But if we don’t recognize our own shortcomings, we can’t hope to fix them.


Watch: Professor X’s Perspective

Start by watching this insightful video—it offers context on the cultural and educational differences that help explain Shenzhen’s rise.:

 

From Fishing Village to Tech Hub

In just a few decades, Shenzhen has transformed from a small fishing village into a modern metropolis with over 12 million residents. Often called the “Silicon Valley of the East,” it’s possible that one day we’ll be calling Silicon Valley the “Shenzhen of the West.

 

Shenzhen is a pioneer in green transportation. It may be the first major city where all buses are electric, along with most taxi cabs. If you’d invested in the entire Shenzhen Stock Exchange years ago, you might be so rich you wouldn’t need to read any of my investing books!


The Speed Advantage

In many places, developing a new product can take nine months. In Shenzhen, it might take just three. Why? Because suppliers, manufacturers, and skilled labor are all next door—or even down the street.

 

Shenzhen’s advantage is no longer about cheap labor or tax incentives. It’s about highly trained engineers, technicians, and researchers. That’s why tech companies from around the world flock there to set up shop—they know they need Shenzhen to stay competitive.

 


High-Tech Exports and Narrowing Gaps

Products designed in Shenzhen and built in a town close by are sold all over the world. If you’ve been living in a cave for the last decade (a joke), you might not realize how quickly China is closing the gap in technology, science, and infrastructure.

 

Thanks to Deng Xiaoping’s vision, Shenzhen has become one of China’s wealthiest cities—if not the wealthiest.


Your Homework

Learn more about Shenzhen:
Wikipedia - Shenzhen

 

Extra Credit Questions:

  • Why is copying existing technology (to improve it or adapt it for new uses) both creative and profitable?
  • Can other countries replicate Shenzhen’s model? Will they succeed?
  • Do you agree with the idea in the video that open source promotes copying technology without direct compensation?
  • What is a 9-year-old here likely doing with no homework?
  • Is it really ‘too early’ for a Chinese 9-year-old to be studying electronics and programming?

 

Have a good day, class. And no video games today.


My Experience in Shenzhen

Shenzhen is clean, modern, and arguably has a higher living standard than many other Chinese cities. Seniors enjoy plenty of public benefits. The streets are safe (with all the cameras in every street and facial recognition technology) and tidy. I didn’t even see a single beggar—and even there’s a rumor that they might accept e-pay! I didn’t find homeless folks either.

 

Entire blocks in Shenzhen are home to major tech companies—companies that our government is actively fighting.


Recommended Videos

https://www.youtube.com/watch?v=bcVOGq4e3-8


Sidebar: Time to Revise the Business Textbook

 

Before we wrap up, let’s talk about what Shenzhen’s rise says about our own business education.

 

Our college business textbooks still teach us “buy and make” and “just-in-time inventory.”

 

Outsourcing nearly everything to China didn’t just cost us jobs—it also eroded entire supply chains and even threatened national security. Globalization made corporations rich, but now we’re confronting its downsides.

 

We need to preserve at least some domestic manufacturing capacity—even if “buying” seems cheaper than “making.” The pandemic and other disruptions have shown us how a single missing component from overseas can halt an entire production line.

 

 

AI Reviews: TonyP4Idea: AI Reviews: my article "Shenzhen, The Silicon Valley of the East"