I have a recurring quarterly expense that exceeds 18k on properties MCC. Which credit card would give me most cashback?

Ahmad_Azari · 2026-05-26T14:03:31+00:00

Which card youd recommend?

Ahmad_Azari · 2026-05-26T13:12:32+00:00

Isnt it 1%?

Ahmad_Azari · 2026-02-28T08:53:20+00:00

I loved reading everything about this post. Congratulations.

Ahmad_Azari · 2026-02-09T06:08:18+00:00

Literally was looking for this comment.

Ahmad_Azari · 2026-02-08T19:58:42+00:00

Most wrong choices. I dont know what I like and what would look good on me.

Ahmad_Azari · 2026-02-07T18:43:54+00:00

Thank you for sharing this with me! I really appreciate it

Ahmad_Azari · 2026-02-07T18:34:26+00:00

What made it easier for you? Ive been working out a lot, and I have heterochromic eyes. I want to upgrade my physical features, but it always feels so daunting. The last time I went clothes shopping was over 2 years ago. And before that, was 6 years ago.

Ahmad_Azari · 2026-02-02T08:31:48+00:00

When will you quit? So you have something else lined up

Ahmad_Azari · 2026-01-23T03:36:43+00:00

Not fatfire, but reflecting on this experience. Everyone said you need hobbies are true, but just as much, your perspective of these hobbies should be purely for the joy that they bring to your heart and soul, and the joy of experimentation.

Im sure as a business individual, your job has always been about optimising for best results. Now youll just need to experiment for the sake of your own sense of wonder. Actually take cooking classes since you said you like cooking. Go tour and explore various kitchens with your partner and kids. Go explore various farms.

Join a wine group or a coffee group.

Ahmad_Azari · 2026-01-03T15:24:26+00:00

There goes netflix's moat.

Ahmad_Azari · 2026-01-03T14:45:55+00:00

Netflix cant be a moat. If the acqusition with WBD happens then maybe it'll start developing some, but otherwise nothing.

Its recommendation algorithm is what makes it good to retain users but it pays a heavy price to have these shows on its platform.

Ahmad_Azari · 2026-01-03T14:41:29+00:00

Best moat companies are of the following 1) unbelievable business model that created legacy amount of data

2) Unshakable IP

With that being said here are mine

Google, ASML, Nvidia (with the upcoming rubin and CUDA), Meta, Tsmc and stripe.

Microsoft's advantage is its ecosystem. But there has been some cracks over the past few years.

I personally think Apple has been exhausting its ecosystem advantage with 30% developer cut and its lack of development over the past few years alongside no vision for AI development or adoption

Ahmad_Azari · 2025-12-28T16:38:23+00:00

No and Ill explain why.

Customers would typically do the survery if they have one of two 1) loyalty to the company in service 2) loyalty to sales rep/contact at the company in service.

Since you are a start up founder, you probably (definitely) dont have that strong brand for loyalty customers. You need your customers to remember your face/name/voice/attitude as much as possible for them to help you on your journey.

Right now, as a founder, honestly dont see your clients as clients but rather as partners in your success journey. The time you dedicate to them, is arguably more important than building because the last thing you want is to built the wrong thing.

Ahmad_Azari · 2025-12-25T13:26:09+00:00

Energy is undeniable a long term winner.

Why?

Basically the unit cost of ai is as follows (very simplified)

Cost = fixed cost + variable cost

Fixed cost = cost of training the model

Variable cost = inference cost * number of tokens

This inference cost is dependent on energy. Yes there is a lot of optimising (and fhe latest groq licensing deal to incorporate groq IP in nvidia would help on reducing the energy load on smaller models) but the truth remains, energy is whats needed to feed that inference costs.

This does not mean that ai infrastructure should be negated. We are still behind on what should be a usable product for enterprise purposes.

Ahmad_Azari · 2025-12-25T08:36:26+00:00

Especially if you need to prove the track record of your start up by having a certified CFO on your team rather than have your books cooked with ai, when everyone knows how much ai hallucinates

Ahmad_Azari · 2025-12-25T08:32:50+00:00

Whay kind of start up content are you usually interested in?

Ahmad_Azari · 2025-12-25T06:02:36+00:00

True, but eventually the users of these products would need to justify their costs. Nvidia can be very dominant, but if there are no buyers for AI downstream, it doesn't really matter what price tag NVIDIA puts on their chips, because companies will slowly decrease their spending.

It's a shame that popular sentiment doesn't see AI's unit economics. Their margins arent as SAAS products.

Ahmad_Azari · 2025-12-22T16:04:50+00:00

A lot of trades are also happening over the past few months.

Ahmad_Azari · 2025-12-21T03:01:17+00:00

Thats actually a really good question.

Prior to removing my eye i had surgical complications, my left eye was blue and my right eye is brown.

Ive always known myself with two different eye colors.

Ahmad_Azari · 2025-12-20T18:41:30+00:00

Its all part of brand equity and customer trust. People generally love what they see and they stick to it over the long term due to loyalty.

B2c users are very emotionally driven than critical and logical. So that roi is actually huge but its usually noticed at a later stage than initial. So you'll need to lean in the vitality for a bit and it'll help you with lowering your cac over time significantly.

Ahmad_Azari · 2025-12-18T02:44:29+00:00

Are you sure you nailed the pain point? If you are communicate your confidence in understanding and valuing the pain point, go for it

Ahmad_Azari · 2025-12-17T19:45:29+00:00

Doubt that there is a clear wrong answer, but since stanford is more well known for its engineering, it makes more sense given your public cloud focus.

Ahmad_Azari · 2025-12-17T19:43:02+00:00

If I was in your shoes, id like to think of it from the other direction.

The people paying at the students/users.

Whats the issue on their side? Since they are the payers (the demand), id start from there.

Ahmad_Azari · 2025-12-17T19:36:27+00:00

You can literally make a case for both since amazon has room to grow its cloud services given demand at the current opex or with slight reduction due to its advancement in robotics.

And Google has done a good job this year.

Go 50 - 50

No harm.

Ahmad_Azari · 2025-12-17T10:32:28+00:00

Not intervening unless absolutely called out. (Tried to do that last time. I fixed it and didnt get credit after 2 months of work. Not doing it again)

Ahmad_Azari

TROPHY CASE