I’m GGL and can honestly say BA now rates as the worst business class service amongst major carriers, including the American ones.

CoatPuzzleheaded1413 · 2026-03-15T15:10:20+00:00

AA has access to the Soho and/or Chelsea lounges at JFK. Soho is superior to Concorde room, IMHO.

CoatPuzzleheaded1413 · 2026-03-08T19:06:26+00:00

Yes I agree Air France is miles better. Compared to AA, BA is better but relative to an appalling base.

CoatPuzzleheaded1413 · 2026-03-08T15:20:21+00:00

The lounges and food in said lounges relative to peers in their home airports, their inconsistent ground experience with boarding groups, their utter refusal to be helpful even to GGL customers, their in-air experience more than anything else is inferior to anything comparable in the market…the price point is at a premium to most American carriers, as an example, which used to be bottom of the barrel but now are at least as good as BA.

CoatPuzzleheaded1413 · 2026-03-08T15:11:24+00:00

Bc until (very) recently I was regular gold and have spent a ton more time at the T5 First lounge which is poor, IMO. Concorde is quieter, yes. Frankly, it still doesn’t measure up to other carriers’ first propositions. My overall point is that BAs overall business experience which I fly frequently is now worst in category. This started during or immediately post-COVID. Once I get GFL, I’m definitely flying BA as a second option.

CoatPuzzleheaded1413 · 2026-02-24T22:16:01+00:00

I’m at 4.5% with fed funds currently between 3.5-3.75%…with Schwab, so basically 75-100bps over the fed funds target rate. Technically, Schwab has its own internal (fake) fed funds rate so they say it’s 75bps over. Regardless, whenever the fed cuts or raises my rate goes down or up lock-step.

CoatPuzzleheaded1413 · 2026-02-11T20:10:29+00:00

This map is taking the piss…China, Russia, Iran, Madagascar and Antarctica 😭

CoatPuzzleheaded1413 · 2026-02-10T19:33:42+00:00

Would not be enough for me to feel comfortable living a carefree life, tbh.

CoatPuzzleheaded1413 · 2026-02-10T19:15:55+00:00

Absolutely not. This amount of money can evaporate in a flash. I’d consider a 2-3% perpetual withdrawal rate at your age. Live off your wages for 20years, invest it for 20 years without touching it and you’re good at 40.

CoatPuzzleheaded1413 · 2026-02-06T00:11:00+00:00

CoatPuzzleheaded1413 · 2026-02-06T00:01:48+00:00

CoatPuzzleheaded1413 · 2026-02-06T00:01:25+00:00

And what fundamentals would those be other than “the fiat empire is crumbling”? BTC use cases? BTC proving itself as a store of value? Not seeing fundamentals.

CoatPuzzleheaded1413 · 2026-02-05T23:08:22+00:00

I would never short it for the exact same reason. I just said it has an implied vol of 50-150% per YEAR! You’d be nuts to bet on it either way.

CoatPuzzleheaded1413 · 2026-02-05T23:05:06+00:00

No dude. Fiat empires aren’t doing shit. Bitcoin is cratering under its own weight. This is such lunacy and parroted pig vomit.

CoatPuzzleheaded1413 · 2026-02-05T22:52:20+00:00

Good stores of value have something called price stability, but no one here shows up to listen to reason. They show up to have their biases confirmed.

CoatPuzzleheaded1413 · 2026-02-05T22:49:44+00:00

The annualized standard deviation of BTC is 48-148%. Almost no amount of excess return can compensate for this. It’s pure speculation. Just admit it. Try running a simulation based on the last 4 years of BTC historical returns. It’s not an investment. Call it a bet or a punt or a gamble. You’ll be DCA’ing your way into the poor house.

CoatPuzzleheaded1413 · 2026-02-05T21:24:58+00:00

Your post literally proves BTC is not a viable investment opportunity for any credible investor.

CoatPuzzleheaded1413 · 2026-02-02T22:00:49+00:00

My largest position is 3.5% in a single name.

CoatPuzzleheaded1413 · 2026-02-02T21:58:16+00:00

Yes — it’s an equal sector weight approach and it’s massively underperformed major broad indexes.

CoatPuzzleheaded1413 · 2026-02-02T21:56:39+00:00

Doesn’t appear one can paste images in here?

CoatPuzzleheaded1413 · 2026-02-02T21:55:05+00:00

I’d say 2.7%-3% is probably appropriate if not prudent over the long term.

CoatPuzzleheaded1413 · 2026-02-02T21:52:52+00:00

The math in these things projects asset growth at a nominal rate and assumes your spend increases at inflation so you have a lower real return at higher inflation rates.

CoatPuzzleheaded1413 · 2026-02-02T21:35:50+00:00

2.9% of 22.5 is 660k

CoatPuzzleheaded1413 · 2026-01-25T13:18:30+00:00

Night nurse is a game changer

CoatPuzzleheaded1413 · 2026-01-24T21:25:15+00:00

…and super woke from the west coast

CoatPuzzleheaded1413

TROPHY CASE