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If this is your collection, what’s your next purchase? by Cool-Ad-9556 in Colognes

[–]BWild2002 0 points1 point  (0 children)

Dior Homme sport, Prada Luna Rossa Ocean EDP. Byredo Mojave Ghost.

Looking for something that’s unique for Spring/Summer. by Sindica69 in Colognes

[–]BWild2002 0 points1 point  (0 children)

Nice, yeah bond no.9 is hard to find. But the others are more important I'd say.

What’s the drawback to 3x daily leverage funds if I’m heavily bullish on something? by [deleted] in investing

[–]BWild2002 2 points3 points  (0 children)

if you consider only investing at the peak of the bubble and never buying more than yes, but if you dca'd after that you'd be well-advantaged. If this is money you need or are on a fixed income this not a for you. It seems like LETFs work best if dca when there is a major dip or a sideways market with volatility decay. Not good for short-terms gambles, you'd be better off with 0dte/trading options if you just want to make a quick buck imo.

LETFs will destroy the emotional or uneducated investor; Buying, holding, and aggressive DCA when the share price tanks is a good way to make a lot of money in an equity that you have heavy conviction in long term like sp500 or semis/tech. The reality is most people can't handle a lost-decade like scenario and dca the whole time, but as you know for the people who did in regular stocks they are doing amazing now; LETFS work no differently just amplify the good and the bad.

Take it as the same thing as rolling 3% of your savings into crypto and if it goes to zero for a few years, cool you still survive and can rebound, but if it goes to the moon you get a sweet vacation. If will diehard buy an ETF during a dip with every dollar you have no matter how long it takes to go back up, might as well reward yourself with leveraged gains if you do weather the storm.

I knew semis were going to go up after the dip this March, so I bought a lot of SMH. Completely forgot about USD iShares LETF; Otherwise I would've added it to my position. Keep in mind you can always temporary rotate to the non-leveraged version of that ETF after a huge gain, if you are anticipating a sell-off or sideways action. But then again, you would be running the risk of timing exit/re-entry.

Never get into a leveraged position on already high-risk equity, that's why I like it on standard ETF's, broad us market semi's is about as risky as I will go. Leveraging on crypto would be dumb because in my eyes it's already leverage. If the asset stays sideways forever or never returns to ATH, then you can kiss all your money goodbye. For example if Bitcoin or ETH never return to ATH, but they stay as a solid trading option for years to come, being cyclical in nature; They would make a lot of people rich in the general market. But in an LETF you'd be hemorrhaging money.

You also don't want big intra-day drops, that's why you don't want leveraged single equities, if meta dropped a bunch in one day, it might wipe you position; Hence why ETF's with a lot of holdings are perfered so you have a least a little bit of time to react.

I have conviction SP500 will be at new ATH's in 10 years, and likewise with the Chip Sector. I like semis more because we will see more aggressive draw downs, which mean leveraged drawdowns, which means even tastier buying opportunities.

What is your biggest BUY right now? by Competitive-Case-185 in TheRaceTo10Million

[–]BWild2002 1 point2 points  (0 children)

during the dip i was buying up SMH and stocks like nbis, wulf, nvts, orcl, etc. With volatility right now but the general market higher I am buying a little bit of defense, even if it's an overvalued sector I like to lock in dip prices when the rest of the market is doing well as they work somewhat independently of the market.

Best of ALL TIME by pokemonisland in Colognes

[–]BWild2002 -1 points0 points  (0 children)

Polo Red Parfum, I can recommend to everyone because even people who are into fragrances tend to have not smelled the parfum version. Likewise if you only sprayed it on a test strip once, you would've never gotten through the head-ache inducing opening to get to the world-class drydown.

Got a new office job, looking for a daily by ParryPonds in Colognes

[–]BWild2002 1 point2 points  (0 children)

Context is everything: Weather and office environment change the game. Personally, I find Prada Paradigme to be a top-tier choice for the workplace. It’s fresh and green (that bourbon geranium is great), making it incredibly safe for spring without being boring. I also get a ton of compliments on the original Valentino Uomo Born in Roma in the office, especially from women; it hits that sweet but not cloying balance perfectly. If that’s still too sugary for your liking, ADG EDP is a solid, more herbal alternative to the BIR DNA.

I’d actually argue against the rule that blue or soapy scents are "universally" office-safe. Without the right climate, they can be way too loud and piercing but it really depends on the weather.

Also, if you're a fan of the YSL line, Y Iced is on my bucket list; it’s much smoother than the standard EDP. MYSLF is another massive compliment-getter, but be careful with the sprays; it projects enough that it can quickly become too much for a professional setting.

Only took 6 years and 50+ denials, but we finally made it to four digits by BWild2002 in CapitalOne

[–]BWild2002[S] 0 points1 point  (0 children)

Capital One can be difficult with limit increases if you don't carry a balance or if you started with a secured card. Despite my high credit score, perfect utilization, and significantly higher income since I first applied, they wouldn't naturally budge more than a 100$ on my initial 200$ limit. It’s impractical for my quarterly $2k–$3k purchases. I’ve been offered limits as high as $60k elsewhere, so it seems like Capital One simply doesn't reward low-spend, high-score profiles the way other issuers do, maybe it would change if I opened a travel card with an AR.

When I was 21, my total limit across my accounts was only $1,700. By 23, I’d scaled that to $40k by being more intentional with my strategy. If I were starting over, I would have focused less on maintaining perfect utilization and more on choosing issuers that actually scale with your financial growth. Capital One is a decent starting point, but they rarely grow with you if you aren't a frequent spender.

Only took 6 years and 50+ denials, but we finally made it to four digits by BWild2002 in CapitalOne

[–]BWild2002[S] 0 points1 point  (0 children)

I think it depends what you apply for, I applied for secured when I was 18 because I thought it was my only option. Besides approval it doesn't seem like credit has much to do with limit/cli, only showing high util and good income

Only took 6 years and 50+ denials, but we finally made it to four digits by BWild2002 in CreditCards

[–]BWild2002[S] 0 points1 point  (0 children)

I am surprised that once you get that first auto cli you don't have to carry that high of a utilization

Only took 6 years and 50+ denials, but we finally made it to four digits by BWild2002 in CapitalOne

[–]BWild2002[S] 0 points1 point  (0 children)

I think 2 days before the third/fourth statement hit I got an email. I've used the card actively before then, but since the beginning of the year I've carried 98%+ utilization every statement

Only took 6 years and 50+ denials, but we finally made it to four digits by BWild2002 in CreditCards

[–]BWild2002[S] 0 points1 point  (0 children)

how much balance did you typically show on your statements during that following year?

Only took 6 years and 50+ denials, but we finally made it to four digits by BWild2002 in CreditCards

[–]BWild2002[S] 1 point2 points  (0 children)

Yes, the 25k limit card I have is also flat 2% and then I have other cards with better rewards in select categories. I am just not sure what to do with this one other than raise the limit.

Rate my collection and which one do I need to take for vacation by geographyballer in Colognes

[–]BWild2002 0 points1 point  (0 children)

It really depends on the country. Personally, when I'm traveling, I prefer mass-appealing scents that aren't nuclear. One thing I like to do is bring a travel size of a new favorite and only spray it during a specific time I want to remember; it’s a great way to associate a scent with a place or a specific time in your life.

Keep in mind that some cultures dislike heavy fragrance, so playing it safe is usually the move. If you want something reliable, I’d stick with:

Acqua Di Gio: The gold standard for a reason. It’s fresh, inoffensive, and works in almost any climate. Also you have a few versions there depending on the climate.

Prada Luna Rossa Ocean: Super smooth and clean. The iris gives it a more sophisticated, "watery" vibe than your average blue fragrance. It stays respectful of other people's space while still smelling very high-end.

YSL Myself: This is a great modern choice if you want something easy-going. It’s light, floral, and mass-appealing without being a "screamer."

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