Dan Chang
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Articles by Dan Chang
Ultrahigh-ratio drawing during spinning achieves graphene fibres with high strength and thermal conductivity
Abstract The demand for materials combining high strength with exceptional thermal conductivity is growing across aerospace, automotive, thermal management and energy applications. Graphene offers an ideal building block, but multiscale defects such as disordered stacking and voids prevent macroscopic assemblies from realizing its intrinsic properties.
Where is The Singapore Market Heading Next
Overview An investor forum featuring experienced remisiers discussing market outlook, opportunities and portfolio strategies.
π-π Stacking origin of irreversible dispersibility of graphene oxide
Abstract Graphene oxide (GO) has become an increasingly important industrial chemical and useful two-dimensional material. The complexity in both functional groups and heterostructure of GO offers its rich chemistry yet complicates its stability, dispersibility and processing property. Interactions with functional groups have been pioneered to explain these confusing properties of GO. However, the critical role of structural heterogeneity keeps elusive.
Consumer Spending in 2025: A Tale of Two Economies
Why understanding who drives America’s consumption engine matters for everyone Here’s the bottom line: America’s consumer spending has become dangerously top-heavy, with the wealthiest 10% of households now accounting for nearly half of all purchases. This isn’t just an abstract economic statistic. It’s reshaping how businesses operate, what products get made, and how vulnerable our entire economy is to market shocks. Let’s start with what we know.
The $400K Reality Check: Why Your Parents’ Financial Playbook Won’t Work for You
Picture this: You’re 28, have a decent job, and still live with roommates because rent alone costs 40% of your income. Your college friends are either crushing it in tech or drowning in student loans. Meanwhile, your parents keep asking when you’re buying a house. If this sounds familiar, you’re not alone. Today’s financial landscape looks nothing like what previous generations experienced.
BNPL Apps Use the Same Psychology as Casinos. I Have the Receipts.
The smoking gun arrived in a patent document filed by Klarna on October 20, 2015. Patent US20170004573A1 reveals something shocking: the company literally tracks how long you hover your cursor over the “buy” button. They monitor your browser choice, your hesitation patterns, even whether you’re using private mode. It is not to improve your experience, but to build a psychological profile that determines how to manipulate you into spending more money.
The Great Resignation Wasn’t About Money. It Was About Impossible Standards.
I’ve been watching job postings for months now, and something feels broken. A consulting firm posts an “entry-level” position requiring 3–5 years of experience. An IT company wants expertise in ten different programming languages for a junior role. Insurance companies demand proven track records for analyst positions. This isn’t just frustrating. It’s systematically destroying talent on both sides of the hiring equation.
Tariffs, Inflation, and the Cost of Economic Nationalism
Picture this: You’re at your local farmers market, eyeing beautiful tomatoes for $6 a pound while knowing you could grab similar ones at the grocery store for $3. You buy local anyway because you want to support your community farmers. Now imagine the government steps in and says, “Actually, we’re adding a $3 tax to every pound of grocery store tomatoes to make the playing field fair.” Suddenly, your choice isn’t really a choice anymore.
The 401(k) Reckoning: Why Retirement Plans are Failing Gen Z Before They Start
Introduction For decades, the 401(k) has been America’s retirement savings workhorse, promising financial security for millions of workers through employer-sponsored plans. Since its inception in 1978, the 401(k) system has become the primary retirement vehicle for most Americans, replacing traditional pensions and creating a generation dependent on market performance and personal savings discipline. But there’s a problem brewing beneath the surface.
Is FIRE Still Realistic in 2025? A Millennial and Gen Z Reality Check
The FIRE movement promised financial independence and early retirement through aggressive saving and smart investing. But with median home prices up 52% since 2019 and inflation eating into purchasing power, many millennials and Gen Z wonder: is FIRE dead, or just evolving? Here’s the honest truth about pursuing Financial Independence, Retire Early in today’s challenging economy.
The Federal Reserve’s Balancing Act: How Interest Rate Dynamics Signal Economic Turning Points
Understanding the Foundation The relationship between interest rates and economic performance sits at the heart of modern monetary policy. Two critical measures help us decode this relationship: the neutral rate of interest and the real federal funds rate. Think of the neutral rate as the economy’s natural cruising speed for interest rates. It represents the theoretical rate where the economy neither accelerates nor decelerates, maintaining steady growth without triggering inflation or deflation.
Leadership in Crisis: What We Can Learn from May 2025’s Corporate Scandals
The year 2025 has already brought its share of corporate scandals that reveal fundamental truths about leadership under duress. The world of business, as it often does, reflects the human condition in all its complexity where ambition, power, and the will to control intersect with the inevitable flaws of the human character.
The GENIUS Act: How Stablecoins Could Reshape Banking
[As of May 19, 2025, the GENIUS Act is heading to the U.S. Senate Floor for a vote.] The “Guiding and Establishing National Innovation for U.S. Stablecoins of 2025” (GENIUS Act) represents the most comprehensive legislative framework for regulating payment stablecoins to date. As digital assets backed by fiat currency gain momentum, this legislation has significant implications for the banking sector.
Finance Isn’t Just Numbers: It’s a Leadership Language
Make no mistake about it. There’s a profound and often unacknowledged truth lurking beneath the spreadsheets and quarterly reports that haunt the corridors of corporate power: financial literacy isn’t merely a technical skill. It’s the linguistic backbone of authentic leadership. The Tyranny of Financial Ignorance Let’s establish a few fundamental and simultaneously indisputable facts. First, leadership without financial understanding is by no means the natural state of effective governance.
How Veterans Make Exceptional Business Leaders And Why Companies Miss It
There’s a paradox at the heart of corporate America, a blind spot that costs organizations dearly. Companies spend millions searching for leadership talent while systematically overlooking one of the most battle-tested leadership pools available: military veterans. The Competence Hierarchy Let’s establish some fundamental truths. Leadership is not theoretical, it’s practical, forged in situations where consequences are real.
The Silent Killer of Innovation: Over-Optimization
The Paradox of Efficiency Over-optimization is a predator stalking the halls of our most promising enterprises. It hunts silently, cloaked in the language of productivity and shareholder value, while systematically destroying the very foundation of long-term success. We’ve become addicted to efficiency, worshipping at the altar of lean operations, minimal waste, and maximum output. The Psychological Underpinnings Let’s establish a few fundamental truths.
The Rise of the Hybrid Leader: Balancing Empathy and Efficiency in 2025
The Leadership Paradox Why has the issue of leadership complexity reared its demanding head once again, this time in corporate boardrooms and startup incubators across the globe? There are many reasons, but one is fundamental: the increasingly desperate need, in the Western business world, for a serious discussion about the perils of an unthinking and self-aggrandizing worship of either pure empathy or ruthless efficiency.
The Truth About Hard Work: Why There Are No Shortcuts to Success
Hard work is often glorified in our society, but rarely understood in its rawest form. Let’s explore a powerful, no-nonsense perspective on what true dedication means and why it’s the only legitimate path to success. The Myth of Shortcuts Many people search desperately for shortcuts to success. They look for hacks, quick fixes, or lucky breaks. The harsh reality? There are no shortcuts only work. The universe rewards genuine effort, not wishful thinking.
Classification of skin transcriptome reveals two molecular subtypes in hidradenitis suppurativa
Keywords Hidradenitis suppurativa (HS) molecular subtypes adalimumab response Get full text access Log in, subscribe or purchase for full access. References 1. Aarts, P. ∙ van Huijstee, J.C. ∙ van der Zee, H.H. ... Adalimumab in conjunction with surgery compared with adalimumab monotherapy for hidradenitis suppurativa: A Randomized Controlled Trial in a real-world setting J Am Acad Dermatol. 2023; 89:677-684 2. Hanzelmann, S. ∙ Castelo, R. ∙ Guinney, J.
Why Your Business Strategy Should Start with Customer Experience (Not Revenue)
Make no mistake about it: the vast majority of businesses in the modern landscape are doing it wrong. Dead wrong. They’ve constructed elaborate financial paradigms, revenue models, and shareholder-value incantations, all while missing the fundamental truth that stares them in the face every day. The customer, that supposedly simple entity they purport to serve, remains a mystery to them, an afterthought in the grand scheme of quarterly projections and bottom-line obsessions.
Social Media ROI: Measuring What Matters Beyond Vanity Metrics
The Battle for Attention in the Digital Wilderness Social media measurement has evolved into a boardroom priority as executives now demand concrete ROI justification for digital marketing investments rather than accepting the previous metrics of engagement and reach. Marketing urgently needs an honest conversation about vanity metrics, which have become mere promotional tools for self-proclaimed digital experts from coast to coast.
Finding Hidden Gems: How to Spot Undervalued Stocks During Market Chaos
The Allure of the Overlooked Why has the quest for undervalued stocks captivated investors throughout market history, particularly during times of chaos? There are many reasons, but one is fundamental: the increasingly desperate need, in the financial world, for a serious discussion about the perils of an unthinking and self-aggrandizing market consensus.
Player Empowerment or Chaos? Lessons on Shared Leadership from the NBA’s Star Movement Era
The Rise of the Player-King Why has the issue of player empowerment in professional basketball reared its transformative head in the modern NBA, this time fundamentally altering the balance of power?
The Credibility Trap: How Logical Errors Undermine Your Intellectual Authority
There’s a peculiar phenomenon that occurs when intelligent people make logical errors in their thinking. It’s not just that they arrive at incorrect conclusions — which is bad enough — but that they systematically erode their own credibility in ways that echo far beyond the original mistake. This is a subtle but devastating process, one that can transform an otherwise respected voice into a source that others instinctively discount.
The Forgotten Generation’s Warning: What Millennials Must Learn from Gen X’s Retirement Crisis
The spotlight often shines on Baby Boomers as they retire in record numbers — with around 11,000 turning 65 every day. But another generation is quietly facing its own challenges as they approach retirement. I’m talking about Generation X (“Gen X”). Born between 1965 and 1980, Gen X earned the name “Latchkey Kids” as they grew up in a time when both parents were working (not just dad), divorce rates climbed, and inflation was soaring.
Safeguarding Your Retirement: Strategic Investing During Systemic Bear Markets
Dan Chang · Follow 5 min read · -- Today’s market environment presents unique challenges rooted in systemic risks rather than routine cyclical factors. For retirement investors, understanding this distinction is crucial for implementing effective protection strategies while positioning for the eventual recovery. Understanding Today’s Systemic Market Risks Typical market corrections stem from normal business cycle contractions — a natural economic breathing pattern.
The Looming Shadow: Recession and Real Estate in 2025
Dan Chang · Follow 6 min read · -- Economic Reality Check Recessions aren’t anomalies but inevitable corrections in our economic cycle. The housing market is intimately connected to broader economic forces, responding to shifts in employment, consumer confidence, and monetary policy. Recent surveys indicate growing recession anxieties among Americans and economists alike.
A reference genome assembly of the alpine forage grass Elymus nutans
Abstract Elymus nutans Griseb. (Poaceae: Triticeae, 2n=6x=42) is a dominant perennial plant species in the Qinghai-Tibetan Plateau in China, which is an important forage resource in high-altitude and cold regions and is the most popular species used for high yield artificial grassland planting because of its rich nutritional value and good palatability for herbivorous ruminant animals. In this study, using advanced sequencing technology, we generated an allohexaploid reference genome for E.
Divergent Paths, Singular Conviction: How Buffett and Cohen Transformed Different Circumstances Into Investment Empires
Dan Chang · Follow 7 min read · -- It may disturb those of you frozen in the paralysis of contemplation to hear what became of two young men who looked at the same financial markets but approached them through radically different lenses — and yet achieved staggering success through an identical quality: unwavering conviction in their own approach.
The Dual Nature of Tariffs in Modern American Economic Policy: Benefits, Costs, and Strategic Considerations in an Era of Heightened Geopolitical Tension | by Dan Chang | Mar, 2025 | Medium
Dan Chang · Follow 8 min read · -- Abstract This analysis examines the multifaceted role of tariffs in contemporary US economic policy, with particular attention to their implementation in North American trade relations.
Investigation of the Mechanical Properties of Calcareous Sand Improved by Polyurethane Foam Adhesive Under Fixed Principal Stress Axes Shearing
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scCompare: a web app for single-cell RNA sequencing dataset comparisons across multiple auto-immune diseases
Abstract Motivation: Single-cell RNA sequencing (scRNA-seq) datasets have been widely used to identify the cell types and marker genes with pivotal roles in driving pathogenesis and progression of auto-immune diseases. Comparative analysis of different cell types or diseases across multiple scRNA-seq datasets can reveal the homogeneous and heterogeneous pathogenesis, and a comprehensive web-based comparison tool that could streamline this process is not yet available.
Classification of skin transcriptome reveals two molecular subtypes in hidradenitis suppurativa
Abstract Background and Aims Hidradenitis suppurativa (HS) is an understudied chronic inflammatory skin disease that is characterized by painful bumps and abscesses. Adalimumab and secukinumab are the only two approved biologics for the treatment of HS. Despite these advances in the treatment of disease, there remains significant unmet medical need, with many patients only achieving moderate improvements in disease, or continuing to experience flares.
Estimating the effect of tissue- and blood-derived cell reference matrices on deconvolving bulk transcriptomic datasets
Abstract Abstract Background Cell deconvolution is a method used to characterize the composition of the mixed cell population in bulk transcriptomic datasets. Tissue- and blood-derived cell reference matrices (CRMs) are typically used, but their impact on deconvolution has yet to be evaluated.
Risk, Reward, and the Moral Imperative of Prudence: Lessons from Charlie Munger
Dan Chang · Follow 4 min read · -- Charlie Munger, the sagacious business partner of Warren Buffett, is a man who wields words like a scalpel. His pronouncements often cut through the cacophony of noise surrounding modern success.
The Forked Path of Tariffs: A Forecast for 2025
Dan Chang · Follow 4 min read · -- The imposition of tariffs is not a mere economic maneuver; it is a calculated wager on the intricate interplay of national interest, corporate resilience, and personal livelihoods. As we look to 2025, the echoes of past policies — Trump’s sweeping tariff strategy during his first presidency and Biden’s more targeted approach — offer us a guide to explore potential scenarios.
Building Financial Success: Proven Strategies for Youth Financial Education
Dan Chang · Follow 5 min read · -- In today’s fast-paced and ever-evolving financial landscape, understanding money management is more critical than ever. Yet, financial education remains an area where many young people are left behind. Whether it’s budgeting, investing, or saving for long-term goals, a solid foundation in financial literacy equips young adults with the skills they need to navigate life’s financial challenges and build long-term success.
Why Most Young Americans Are Failing at Financial Literacy (And What It Means for Their Future)
Dan Chang · Follow 3 min read · -- Let’s talk about something that keeps me up at night as a parent: the shocking state of financial literacy among young Americans. I’ve spent the last decade working with financial professionals and with my family’s finance, and I’m going to be honest — what I’m seeing is concerning. The Numbers That Should Worry Us All Here’s a startling fact: 51% of American teens can’t pass a basic financial literacy test. Let that sink in for a moment.
Understanding First-Party Fraud: A Growing Challenge in the Age of Generative AI
Dan Chang · Follow 6 min read · -- First-party fraud may not make headlines as frequently as cyber breaches or large-scale identity theft, but its impact on American banks and fintech companies is both profound and increasingly complex. In recent years, the evolution of technology — especially the rise of generative AI — has amplified the potential for such fraud.
Understanding the Cash Flow Statement: A Real Measure of Financial Health
Dan Chang · Follow 5 min read · -- After covering the balance sheet and income statement, we arrive at the cash flow statement — the financial statement that provides perhaps the clearest view of a company’s financial viability. Unlike the income statement, which includes non-cash items like depreciation, the cash flow statement shows the actual cash a company generates and spends during a specific period.
Dan Chang: The case of the missing LAUSD arts and music teachers Original
Now, onto Los Angeles Unified School District’s game of three-card monte. Keep your eyes on the queen. It’s the June 18 LAUSD school board meeting. The players at the table are the seven members of the LAUSD Board of Education. The dealer? None other than LAUSD Superintendent Alberto Carvalho. His hands are fast. If you blink, you will miss it. His words are faster. If you are not fully fluent in LAUSD-Bureaucrat-ese, you won’t understand it.
Dan Chang: LAUSD needs new leadership to break free from decades of bureaucratic thinking Original
Scale success. It means expanding and replicating successful schools and it is a central tenet of my campaign for LAUSD school board. Porter Ranch Community School is one of the highest performing schools in the District. Hard working teachers, involved parents, an innovative “pilot” union contract for staff – it is a shining example of a community K-8 public school. Families move to Porter Ranch because of the school.
T Follicular Helper Cells in Tertiary Lymphoid Structure Contribute to Renal Fibrosis by IL-21
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The Evolutionary Game of Cooperative Air Pollution Management under Complex Networks
This is an early access version, the complete PDF, HTML, and XML versions will be available soon. Open AccessArticle by Yi Song *, Dan Chang and Lizhu Li Cui School of Economics and Management, Beijing Jiaotong University, Beijing 100091, China * Author to whom correspondence should be addressed.
Reversible fusion and fission of graphene oxide-based fibers
Reversible fiber fusion and fission Materials that can cycle between states are of interest for actuators, soft robotics, or recoverable membranes for separations. Chang et al. show that a collection of graphene oxide fibers can fuse into a single stronger fiber upon immersion in a solvent, extraction, and drying under tension (see the Perspective by Cruz-Silva and Elías).
Hg2+ detection, pH sensing and cell imaging based on bright blue-fluorescent N-doped carbon dots
Hg2+ detection, pH sensing and cell imaging based on bright blue-fluorescent N-doped carbon dots A multifunctional sensing platform based on bright blue-fluorescent nitrogen-doped carbon dots (N-CDs) has been ingeniously designed for sensitive determination of Hg2+ and pH. The N-CDs were facilely fabricated via one-step hydrothermal treatment of citric acid and folic acid with admirable merits including exceptional stability, low toxicity and distinguished biocompatibility.
Smilax china-derived yellow-fluorescent carbon dots for temperature sensing, Cu2+ detection and cell imaging
Smilax china-derived yellow-fluorescent carbon dots for temperature sensing, Cu2+ detection and cell imaging Here, we report an environmentally friendly fabrication strategy of bright yellow fluorescent carbon dots (y-CDs) and construct a rapid and accurate multifunctional sensing platform for the effective detection of temperature and Cu2+.
Four-component quinazolines synthesis from simple anilines, aromatic aldehydes and ammonium iodide under metal-free conditions
J. Chen, D. Chang, F. Xiao and G. Deng, Green Chem., 2018, Accepted Manuscript , DOI: 10.1039/C8GC02654H If you are not the author of this article and you wish to reproduce material from it in a third party non-RSC publication you must formally request permission using Copyright Clearance Center. Go to our Instructions for using Copyright Clearance Center page for details.
This 5-minute exercise will help you get better at making conversation
This answer from Dan Chang originally appeared on Quora as an answer to the question "How can I become more talkative?" We all have a filter inside our brains. Think of a coffee filter. The stuff that goes into the filter, the grounds and water, that represents our thoughts, and the stuff that comes out, the coffee, that represents our words. When a thought enters our mind, our filter decides, yes it's okay to say, let it through, or no, don't say it. But here's the thing.
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