The hottest Finance Substack posts right now

And their main takeaways
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Top Business Topics

The Coming AI Assault

Lit Mag News Roundup • 687 implied HN points • 07 Sep 23
🎭️ Culture Literature Art Technology Humor Finance
  1. AI chatbots in the literary world are causing a disruption with an influx of quickly-produced content that could change the industry.
  2. The tech industry, including AI, is reaching a peak with wealthy individuals and companies pushing for more innovation and profit.
  3. AI integration in creative fields like writing and art is facing resistance, with concerns about plagiarism, quality of content, and the future of human creativity.

Why The Emphasis On Transgender?

Points And Figures • 719 implied HN points • 22 Feb 24
🇺🇸 U.S. Politics Health Politics World Politics Finance News Business
  1. The emphasis on transgender issues has shifted from other social issues due to the potential financial incentives and long-term profit from transgender-related treatments and services.
  2. Businesses analyze customer acquisition costs and cash flows to understand why certain decisions are made regarding transgenderism and abortion, showing that transgender-related treatments offer a more sustainable revenue stream compared to abortion services.
  3. The transgender industry presents a significant financial opportunity, with ongoing cash flows from hormone treatments, surgeries, and other related services, highlighting the motivations behind the push for transgenderism acceptance and coverage by insurance companies.

If you get a takeover offer, fight

Klement on Investing • 3 implied HN points • 04 Feb 25
💼 Business Investing Mergers Acquisitions Finance Market Analysis
  1. If a company gets a takeover offer, they should consider negotiating instead of accepting it right away. There's a good chance they can get a better deal.
  2. Research shows that most takeover deals do not fail and often result in the target company receiving more favorable terms. About 80% of modified deals end up giving more money to the selling company.
  3. Overall, companies approached for a takeover have a 94% chance of either keeping the original offer or getting a better one by negotiating.

Cigna said to be going after Humana to buy its way into Medicare Advantage

HEALTH CARE un-covered • 519 implied HN points • 28 Nov 23
💼 Business Healthcare Mergers Acquisitions Insurance Finance
  1. Cigna is looking to acquire Humana to strengthen its position in the Medicare Advantage market. This is important because Medicare Advantage is a growing and profitable area in health insurance.
  2. If the deal goes through, Cigna and Humana together would have around 30 million health plan enrollees in the U.S., but they would still be smaller than their main competitor, UnitedHealthcare.
  3. Cigna's focus on this acquisition shows that they see it as a strategic move to grow, especially since both companies are shifting away from their commercial insurance businesses.
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Is This the End of Low-Cost Airlines in the U.S.?

Gad’s Newsletter • 50 implied HN points • 09 Dec 24
💼 Business Airlines Economics Finance Travel Operations
  1. Low-cost airlines in the U.S. are struggling due to rising costs and operational challenges. These airlines have smaller profit margins, making it hard to survive when problems arise.
  2. Successful low-cost carriers like Frontier and Southwest are adapting by adding premium options and changing their services. They’re evolving to meet customer demands while trying to keep their budget-friendly roots.
  3. In Europe, low-cost airlines are doing well thanks to higher population densities and a culture that accepts budget travel. This shows how different markets can impact the success of low-cost airline models.

DeFi Education Q&A (December 2023)

DeFi Education • 479 implied HN points • 08 Dec 23
🔮 Crypto DeFi Finance Blockchain Investing Education
  1. DeFi Education offers monthly Q&A sessions for subscribers. This is a great chance to ask questions and learn more about decentralized finance.
  2. The sessions are led by professionals with experience in finance and software, so you can expect valuable insights.
  3. These Q&A sessions are exclusive to paid subscribers, giving them access to expert knowledge and support.

💥One down, eleven to go...💥

PETITION • 334 implied HN points • 01 Feb 24
💼 Business Bankruptcy Legal Finance Retail Consulting
  1. Recent bankruptcies in the corporate sector include companies like Humanigen Inc., Audacy Inc., and Eye Care Leaders.
  2. GOL Linhas Aéreas Inteligentes S.A. filed for chapter 11 bankruptcy in January 2024 due to financial struggles and liquidity issues.
  3. In Rite Aid's bankruptcy case, issues arise regarding store closures, conflicts over lease rejections, and negotiations with stakeholders.

Artificial Intelligence: The Rise of AI in Earnings Call Summarization

The Fintech Blueprint • 334 implied HN points • 30 Jan 24
🕹 Technology AI Finance Analysis Tools Applications
  1. AI is revolutionizing financial analysis through earnings call summarizations by tools like Bloomberg, AlphaSense, TiredBanker, and Aviso.
  2. AI helps in quickly isolating key points from earnings calls and deriving insights that improve financial decision-making.
  3. AI-driven tools have the potential to mitigate human error in analyzing financial data and are expected to see universal adoption in the financial services sector.

How we built a business out of recession - chapter 28 - lets get personal

The ZIPster • 44 implied HN points • 13 Dec 24
💼 Business Startups Entrepreneurship Finance Growth Sales
  1. Running a small business means wearing many hats and staying proactive, especially when things get busy. It’s easy to forget important tasks when you're juggling too much at once.
  2. Bringing in the right people, like a good finance director, can really help keep a company on track, especially when cash flow is tight. That support can be a lifeline during tough times.
  3. Being mindful of your image and decisions is crucial in business. Making flashy choices can draw unwanted attention and distract from the goals you should be focusing on.

New to DeFi? *Start Here* Glossary of DeFi Terminology as Well

DeFi Education • 5255 implied HN points • 29 Jun 21
🔮 Crypto DeFi Blockchain Cryptocurrency Finance Technology
  1. DeFi means doing banking activities using code instead of traditional banks. It’s changing how people manage money online.
  2. Common DeFi terms, like APR and APY, help you understand how interest works. APR is straightforward, while APY accounts for compounding interest, making it higher.
  3. Risks in DeFi include potential losses and scams like 'rug pulls.' It's important to do your research and understand these risks before getting involved.

Issue #6 - Hey Data, Show Me The Money!!!

The Data Ecosystem • 119 implied HN points • 19 May 24
💼 Business Investment Strategy Data Analytics Finance
  1. Investing in data is a strategic move, not just about spending money. It's important to align data efforts with business goals to see real value.
  2. When pitching for data investment, focus on the benefits it will bring. Clear communication of value can help rebuild trust with leadership.
  3. Measuring the success of data investments through defined KPIs is essential. This helps in making future improvement and investment decisions.

Capitalism creates inequality: Stone age edition

Klement on Investing • 4 implied HN points • 31 Jan 25
💼 Business Economics Inequality Capitalism Finance History
  1. Wealth inequality has existed since ancient times, even as far back as the Stone Age. Early societies had low inequality, but it started to rise around 6,000 years ago.
  2. The invention of farming led to people settling down, which allowed them to store wealth in crops and livestock. This changed how wealth was accumulated and shared among people.
  3. Over time, technology and the growth of states allowed some individuals to amass even more wealth, leading to high levels of inequality that are still seen in many developed countries today.

How I made $750k in the last 6 months

Kenny’s Sub • 379 implied HN points • 06 Jan 24
💼 Business Entrepreneurship Finance Marketing Personal Development Lifestyle
  1. Many success stories online lack important context and can be misleading. It's essential to look deeper into the circumstances behind these successes.
  2. Instead of comparing yourself directly to others, ask yourself key questions about your own situation. Consider your job, resources, and personal life before setting expectations.
  3. Stay curious and inspired by success stories, but remember to adapt their strategies to your unique circumstances for more realistic goals.

Vượng In Control

Vietnam Weekly • 353 implied HN points • 10 Jan 24
💼 Business Automotive Finance International
  1. Vietnamese carmaker VinFast is expanding to India and other countries.
  2. The subscription price for Vietnam Weekly is increasing from $5/month to $8/month.
  3. VinFast has made significant announcements, including a leadership transition, plans for India, CES presentation, and facing challenges with bad press.

What's Boehly's plan at Chelsea?

Grace on Football • 589 implied HN points • 14 Feb 23
🎾 Sports Football Finance Ownership Coaching
  1. Boehly is not afraid of the limelight and loves attention, unlike most American owners of Premier League clubs
  2. Boehly's plan for Chelsea involves signing the best young players and having Graham Potter coach them into senior professionals in a coherent system
  3. Chelsea's long-term success hinges on Vivell's talent scouting and Potter's coaching, with the focus on younger players and a shift towards longer-term thinking

How health-tech founders can survive a brutal 2024

Second Opinion • 471 implied HN points • 20 Nov 23
💼 Business Startups Investment Strategy Entrepreneurship Finance
  1. In 2024, health-tech founders may face challenges due to market conditions like the difficulty of fundraising.
  2. It's okay to let go of a struggling company and start over; it can make you smarter for the next venture.
  3. Founders should practice ruthless prioritization, focus on achieving break-even, and be realistic about liquidity events.

PE Slapping VC

Venture Prose • 579 implied HN points • 16 Apr 23
💼 Business Investment Finance Startups Entrepreneurship Management
  1. Private equity-backed companies prioritize cash flow over growth, teaching venture capitalists an important lesson for sustained success.
  2. Some growth-stage companies, profitable and mature, outshine venture-backed companies in terms of financial yield without the need for external fundraising.
  3. Venture-backed founders can benefit from connecting with founders of different companies to understand the importance of capital deployment yield and reduce stress levels.

The VC Corner 📰 #7

The VC Corner • 339 implied HN points • 06 Jan 24
💼 Business Venture Capital Startups Investing Finance Entrepreneurship
  1. This newsletter is a great resource for anyone interested in venture capital and startups. It offers news and insights that can help investors and startups stay informed.
  2. You can subscribe for a free trial to access more detailed content. This allows you to explore the newsletter before committing to a subscription.
  3. The VC Corner aims to keep readers updated weekly, making it useful for both experienced investors and those new to the field. It provides valuable information that can enhance your understanding of the startup landscape.

CEO of Gig-work Surveillance Firm Resigns

All-Source Intelligence Fusion • 752 implied HN points • 18 Dec 23
💼 Business Tech Surveillance Leadership Finance Legal
  1. CEO of Gig-work Surveillance Firm, Maury Blackman, resigned after years of court battles and exposure of clandestine surveillance.
  2. Premise Data, an analogue of Uber for data-gathering, faced revenue stagnation despite investments and high-profile board members.
  3. Blackman's resignation led to Matt McNabb taking over as CEO, revealing a history of controversial events and legal issues within Premise.

Cap Table Template

Venture Prose • 159 implied HN points • 07 Apr 24
💼 Business Finance Startup
  1. Be mindful of dilution when piling up post-money SAFE notes as a founder.
  2. Creating a proper cap table can reveal the dilutive impact of different funding rounds and securities.
  3. Use templates to simulate scenarios like adding co-founders, granting stock options, raising multiple rounds, and selling secondaries.

Apologies for yet more radio silence/forthcoming book

Building a New Economics • 275 implied HN points • 31 Jan 24
🚌 Education Economics Research Publishing Finance
  1. The author has been busy working on a new book and various projects for BC4LS.
  2. The new book includes chapters on economics, pricing, energy, and the role of neoclassical economics in misleading about global warming.
  3. The author plans to release the manuscript to financial supporters only to avoid jeopardizing potential sales for the publisher.

Tottenham Hotspur Finances 2021/22

The Swiss Ramble • 530 implied HN points • 14 Feb 23
🎾 Sports Soccer Finance
  1. Tottenham Hotspur finished 4th in the Premier League in 2021/22 and secured qualification to the Champions League.
  2. They reached the semi-finals of the EFL Cup but were eliminated in the group stage of the Europa Conference League.
  3. To read more about Tottenham Hotspur's finances, you may need to subscribe to The Swiss Ramble for a 7-day free trial.

Resilience Series Part 1: TFF Group

Business Breakdowns • 530 implied HN points • 12 Sep 23
💼 Business Investing Company analysis Finance Economics Market Trends
  1. The TFF Group is a resilient company with more than a century of family ownership and vertical integration.
  2. Resilience in business means prioritizing longevity over short-term gains, owning the entire supply chain for longevity, and maintaining profitability during downturns.
  3. Studying companies like TFF Group, which focus on resilience, provides valuable insights into strategies for long-term success.

362 Cyber Acquisitions in 2024

The Security Industry • 13 implied HN points • 10 Jan 25
💼 Business Finance Mergers Investments Market Trends Acquisitions Tech industry
  1. In 2024, there were 362 cyber acquisitions, which is a significant increase from the previous years. This shows how fast the cybersecurity industry is changing.
  2. The total value of disclosed acquisitions reached nearly $49.9 billion. Many deals were notable, including big companies like HPE and IBM making major purchases.
  3. Out of all the acquisitions, a majority were strategic, while a smaller portion involved private equity firms. This highlights different approaches companies are using to grow in the cybersecurity space.

Q&A

DeFi Education • 2318 implied HN points • 11 Jun 22
🔮 Crypto Blockchain Investing Finance Markets Technology
  1. Crypto is always changing, even in tough markets. It's important to stay updated on what's happening.
  2. Engaging in Q&A can help clarify doubts about DeFi and crypto. Don’t hesitate to ask questions if you're confused.
  3. Being part of a community helps share knowledge and gather different viewpoints about the markets. It's good to hear what others think.

The Deposit Myth

Altered States of Monetary Consciousness • 481 implied HN points • 08 Mar 24
💼 Business Banking Economics Finance Education
  1. When it comes to 'bank deposits', the traditional verb-noun pairing can be misleading. The term 'deposit' typically implies something being put in, but with banks, it refers to something issued out by the bank like digital casino chips.
  2. Comparing banks to casinos can help understand the concept better. When you 'deposit' cash in a bank, it becomes their asset, and you receive digital chips as a liability. This is opposite to the usual understanding that a deposit is something put in the bank.
  3. The language around 'bank deposits' can create misunderstandings, especially in economics. An update in how we define and understand 'bank deposits' can help clear up these misconceptions and align with the actual operations involved.

Import AI 336: Financialized AI; public and elite AI opinion; one million insects.

Import AI • 519 implied HN points • 14 Aug 23
🕹 Technology AI Finance Research Datasets Digital Life
  1. The financialization of AI is increasing, with companies finding new ways to fund AI projects through unconventional means like debt collateralized against GPUs.
  2. AI benchmarks are being solved faster, indicating either accelerated AI progress or the increasing complexity in building good benchmarks.
  3. Public opinion, reflected in a poll, shows significant concerns about AI development and regulation, contrasting with elite opinions that emphasize rapid AI advancement.

Imperialism: How the struggle of both classes and nations creates our world

Geopolitical Economy Report • 518 implied HN points • 09 Sep 23
🌍 World Politics Imperialism Capitalism Crisis Finance Economy
  1. Imperialism is a product of the struggle between classes and nations, impacting our world.
  2. Geopolitical economy helps in understanding international relations within the capitalist world system.
  3. The BRICS summit signifies an alternative economic vision based on cooperation and development, challenging traditional Western imperialism.