The Montana round-up

After entering through the southeast in late April, I made my way all the way across the state of Montana, stopping for medium-to-long stays in four out of the five biggest Montanan cities: Billings, Bozeman, Helena, and Missoula.

Prior to visiting Montana for the first time ever as part of this road trip, my favorite state was Colorado, with Utah coming in at second. I really enjoyed South Dakota, but I wouldn’t consider South Dakota as a whole as one of my favorite states; just like how I wouldn’t call Nevada my favorite state just be­cause I love Las Vegas, I felt like I couldn’t generalize my experience in southwestern South Dakota and apply it to the entire state.

Now, I can pretty confidently say that Montana is my favorite state in the United States, bumping the other states down one place. I obviously don’t have comprehensive exposure to either Mon­tana or Colorado, but with my limited experience, as well as the knowledge I have about the areas of the states that I haven’t been to yet, I still think Colorado is amazing, but Montana beats it out by a little bit.

I’ve briefly touched on almost all of these points already sparingly throughout my previous Montana blog posts, but I figured I would do a summarized round-up and try to pinpoint some of the key reasons why Montana has taken my #1 spot:

  • The cities are not congested. Montanan cities have seem to found a sweet spot of equilibrium between density and sprawl. There are enough shops, restaurants, and activities for everyone to enjoy, and there are enough people around that businesspeople are incentivized to set up and make a good living, but it’s also spread out enough that everyone can have their own space.

  • The outdoors in Montana are unparalleled by anything else I’ve seen in America—and I already think this, even though I haven’t been to the north­western corner of Montana yet, which allegedly is the most beautiful part. There are many outdoors activity opportunities (as you might have seen from all the hikes I’ve done). There is always interesting scenery to look at, and when you’re out in the wilderness, the air is probably the clean­est, purest, crispest air I’ve ever breathed.

  • The people are very kind and considerate. All the hikers I’ve encountered radiate warmth, peace, and happiness. Everyone has been proactively friendly to me, initiating conversation, but remaining respectful enough as to not pry too much unless I volunteer the information first.

  • The culture has a strong sense of community. I can’t quite pinpoint what exactly made me feel this way, but I immediately felt a sense of belonging through­out a majority of Montana (the only exceptions being the main university areas in Bozeman and Missoula, but even then, it was “normal” at worst). It’s as if everyone was genuinely interested in getting to know their neighbors so they can be there for one another when they need each other.

  • One silly (but meaningful) thing I really liked was the abundance of no-leash parks and hikes—it evokes great joy when a happy dog comes skip­ping towards you asking for pets, not only because I love animals, but also because it sends a clear message about the culture that people trust each other to be responsible and reasonable—something that is basically impossible in major cities.

  • Although there seems to be a lean towards conservatism, there is still good political balance across the state. Especially in the past few years, I’ve learned about the importance of politics and how it can shape a community. When it comes to important matters, failure to have differing o­pin­ions can be harmful, as we can see in states like California and in cities like Seattle and Portland. In Montana, people seem much more willing to actually share their conflicting view­points, discuss controversial topics, and listen to each other, rather than simply trying to shut down everyone who disagrees with them.

  • This isn’t quite as applicable to me because I don’t think I’m going to move to Montana, but for those who do, it seems like a good place to raise a family, with good in-state education options and low cost of living. There are also some more obscure perks, like no state sales tax.

I have plans to head into Canada for a bit over the summer, and because of how positive my experience has been in Montana, I’m looking to cross the border back into the United States through Montana, which would give me an opportunity to drive through Glacier National Park.

 
For now, with the current leg of my Montana visit wrapped up, I wanted to share some of the leftover photos I had that weren’t quite good enough to war­rant their own individual blog post, but collectively were enough for a round-up.

This first set of photos comes from the Holter Museum of Art in Helena, Montana. This was a relatively small museum with free admission (though I made a donation of US$5 to serve as an admission fee) that seemed to primarily feature art made by the children of Helena. I’m used to going to major museums with famous art pieces, but looking at art made by kids was a very unique experience and gave me some insight on how the current youth per­ceives the world.

I went through a phase a little while back of being very interested in “luxury” books with full-grain leather covers, gold foil wrapping, and other unique features. One of the things I liked was art painted on the side of the book that morphed perspective when you opened and closed the book. I found something similar at this museum, which isn’t bad, considering it was painted by someone in middle school.

With my adoration of cats, and having lived with three cats with my most recent previous roommate, I liked this multi-layer art piece, which had thread link­ing the hearts of the girl and the cat. Pudding the Persian liked to sleep by my head on or beside my pillow, and this reminded me of him.

Funny enough, my favorite art piece wasn’t exactly an art piece, but rather, a satire label of the water fountain titled “Ever-Flowing Tears.”

One section of the museum had wireframe models hung up on the ceiling, which I thought were very interesting. I also found it very impressive that a student managed to put all this together and have it come out so well.

My next batch of photographs comes from Spring Meadow Lake State Park, also in Helena.

While in Bozeman, I stayed at the Residence Inn by Marriott Bozeman Downtown and was lucky enough to get a room with a balcony that had an a­maz­ing view to the northwest. It was snowy on the day I arrived, but once the snow melted, the cloud cover and fog cleared and revealed an amazing lay­er of snow-tipped mountains.

And finally, I like to share hotel room photos when I stay at a new hotel brand or one that is of a newer generation of interior design. In Helena, I stayed at the Delta Hotels by Marriott Helena Colonial, which was my first ever Delta. It seemed like it was an older hotel, though the interior was still nice and simple. The lobby area of the hotel had a vintage-feeling staircase going up to the second floor, and the building itself was actually quite large.

During my stay, I noticed that it wasn’t really that busy and the rooms weren’t getting filled, but the meeting rooms were bustling—it seemed like com­pa­nies rented out meeting rooms for corporate events during the day, and I saw that some of them were even being used for Advanced Placement ex­ams for high schoolers.

With Montana complete, here is the latest in my travel map:

 

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Four-month update: Investing $10k in the stock market – Parkzer vs. DougDoug and Twitch chat

Disclaimer: I am not an investment advisor, and the information contained in this post is not intended to be construed as financial advice. This is simply an anecdotal report of a personal project and does not imply that you should copy my strategy. Past performance is not a guarantee of future re­sults. Con­sult a certified professional if you need guidance with your own financial strategy.
 

Today marks the exact four-month point since starting the US$10,000.00 stock market investment challenge with Doug Wreden and his Twitch chat.

If you’re not up-to-date and don’t feel like reading the previous blog post for all the details, here’s a summary:

  • Doug and I each put $10,000 of our own money into the stock market by individually picking ten companies in which to invest.
  • Because Doug is not an experienced investor, he solicited for help from his DougDoug community on Twitch to contribute to the decision-making process.
  • I have low faith in the success of the stock market over the next year, so I took a more conservative route and bought into sectors that perform well during a recession; on the other hand, Doug’s Twitch chat seems to have not really stuck with an overarching plan, and instead just picked stocks that they generally liked or thought were good companies.
  • Whichever portfolio has a higher balance after market close on January 23, 2023 wins. All profits get donated to charity, and the person with the low­er portfolio balance has to do a punishment as voted on by Doug’s Twitch chat.

With all that out of the way, here is how our portfolios are doing:

Table containing 27 rows and 9 columns of stock market data

As of today, my portfolio is beating Doug’s with a lead of $1,016.31.

My portfolio is generally hanging in there, with Pfizer and Waste Management being the biggest winners. Walmart had also been doing ex­treme­ly well, but as you can see from the sparkline, it recently tanked after they (and Target Corp.) announced that their first-quarter earnings were worse than ex­pected.

Doug, on the other hand, is going through a very rough patch in his portfolio. He had actually been doing well at first, but with Netflix committing com­mer­cial suicide and the general sell-off of technology stocks, things are not looking good for him.

I’m also tracking a few benchmarks to see how our portfolios would have been doing had we invested them in the broad stock market instead of picking our own individual stocks. My hedge-against-recession portfolio has actually been doing pretty well com­pared to the S&P 500, having consistently been higher than it over the past two months and beating it by $258.05 as of today. However, Doug is falling fairly far behind, at $758.26 in the negative com­pared to if he had just bought the S&P 500.

Bonds are generally considered a safe investment, but even bonds are dropping in price. I personally use Vanguard Total Bond Market Index Fund Ad­mi­ral Shares (VBTLX) in my main investment portfolio, so I decided to use the ETF version BND as the benchmark. If Doug and I had invested in bonds instead of companies, Doug would have $1,078.37 more in his portfolio, while I would have only $62.06 more.

Investing internationally is another common way to diversify a portfolio, and I personally own a large chunk of Vanguard Total International Stock In­dex Fund Ad­mi­ral Shares (VTIAX) in my investment portfolio, so I used the ETF version VXUS as our benchmark. If Doug and I had decided to go broad market international instead of investing domestically, Doug would have $849.49 more in his portfolio, while I would be down $166.82.

And finally, to keep things interesting, I also decided to do a benchmark with cryptocurrency. I selected the Grayscale Digital Large Cap Fund (GDLC), not only because I already personally own it in my regular investment portfolio, but also because it is a way to be able to track the health of the broader cryp­to market, as opposed to looking at just a single coin. As of today, the holdings of GDLC include about 65% Bitcoin; about 27% Ethereum; less than 2% each of Solana, Cardano, and Polakdot; and less than 1% each of Uniswap, Chainlink, Avalanche, Litecoin, and Bitcoin Cash. If Doug and I had taken a risk and put that $10k into crypto instead, Doug would be down $1,984.69 more, while I would be down $3,001.00 more.

If you haven’t noticed yet, I switched the platform I use to track our stocks—I wasn’t fully satisfied with the features of my previous platform, so I de­cid­ed to make my own using Google Sheets and Google Finance instead. Quotes from Google Finance can be up to 20 minutes behind, so it’s not vi­a­ble to use for active trading, but for my purposes of wanting full customizability and the non-urgency of price updates, it works perfectly due to its in­te­gra­tion with Google Sheets.

One of the features I was hoping for previously was to be able to chart our actual portfolio values over time, as opposed to only being able to chart per­cent changes; I made my own chart that sources from a table of the entire daily history of our portfolios, so now you can see the actual dollar a­mounts as the days progress.

My portfolio actually hadn’t been that stellar for a decent chunk of time, but you can see the point in early April at which I pull ahead and everything starts plummeting. Just like how it suddenly changed then, there is just as likely of a chance that it can suddenly change again in the future in the op­po­site direction. We’re still 8 months away from the end of the competition, and that’s a long time for unexpected things to happen, so I’m not getting too complacent.

In the meantime, I still think it’s pretty fun to keep tabs on our progress so we can will a higher power to move the stock market towards the favor of our own portfolio.

 

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Hello, The “M” Trail in Missoula, Montana

After making stops in Billings, Bozeman, and Helena, my final stop in Montana before heading west into Idaho and Washington was Missoula. I only ended up booking two nights in Missoula because hotel prices were high and there wasn’t much availability for my special promotional discounted rate that I’m eligible for.

On the day I made the two-hour drive from Helena to Missoula, I made a stop at the “M” Trail on the eastern side of Missoula to get in a quick hike during the time I had before check-in for my next hotel was available.

The trailhead is in the University of Montana campus, but I was able to get free parking in a lot on Campus Drive near the police department because I hiked on a Sunday, and restricted parking is not enforced on weekends. The trail itself is a series of fourteen switchbacks leading straight up to the big, white “M.” Because of the steep incline being built on the side of a mountain, there were nice views of Missoula on the way up, which progressively got better the higher I went.

The actual “M” itself appeared to be made out of some sort of stone (or possibly concrete?) painted white. I’m suspecting it could be concrete because it appears to have been molded into that shape (rather than assembled from smaller pieces), because I noticed that there was some writing engraved into the “M” in some areas.

The “M” isn’t the summit of this mountain—the summit was still a way’s away at the peak of University Mountain—but I hadn’t eaten enough that day and wasn’t prepared for a longer hike, so I decided to stop at the “M.” This was still plenty high enough to get amazing views of all of Missoula, as well as East Missoula and the interstate I took alongside Clark Fork River to get to Missoula.

And of course, with my luck with weather, it looked like some pretty gnarly storm clouds were fast approaching, so I hurried my way back down as to not get rained on or randomly struck by lightning.

The total hike was only a mile and a half, but the grade was high enough that it would leave me winded after doing a few switchbacks. My GPS tracker shows that I hiked 1.64 miles (2.64 kilometers), but I believe only about 1.2 miles of that was part of the straight ascent up and descent down; the rest was relatively flat as I went around to the other side to get another angle of the view. The total elevation gain ended up being around 650 feet (198 meters).

I’m looking at some of my past hikes, and I think this might actually be the highest intensity of incline that I’ve climbed. This comes out to an average of about 107 feet climbed every tenth of a mile, while I believe my previous steepest hike was Ensign Peak, north of the Capitol Hill district in Salt Lake City, Utah, at 94 feet climbed every tenth of a mile.

 

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Hello, Mount Ascension in Helena, Montana

For my second major hike of Helena, Montana, I went to Mount Ascension on the south side of the Helena Micropolitan Area. I had difficulty finding a day to go hiking again because of how much it rained during my stay in Helena, and it was still forecasted to rain on the day that I went to Mount As­cen­sion, but I figured that I would end up not really being able to do anything if I keep rescheduling things trying to dodge rain, so I went anyway.

Mount Ascension is near Mount Helena, which I already hiked—it’s sort of “across the street,” on the opposite side of West Main Street and past Davis Gulch Road. Mount Ascension had way more smaller trails leading up to the summit than Mount Helena, and it seemed like it would be a very nice pick-your-own-adventure style of hiking area for the locals who would make repeated visits.

I started heading southbound towards the summit on Pay Dirt Trail, after which I believe I connected onto the edge of Little Moab Trail, then went a­long­side Pail Rider Trail. All the paths had some nice wildflowers nearby.

When I say that there are a lot of smaller trails leading up to the summit, I mean that quite literally—there was a fairly obvious, clear path forward most of the time, but there were very many forks and splits in the road, and I even saw one path that seemed like it would be an extremely strenuous straight-shot up to the top, but there were signs saying that the trail is closed, most likely because it wasn’t trafficked enough and the vegetation covered and ob­structed most of the path.

As I neared the top via 2006 Trail, I reached its intersection with Entertainment Trail and Mount Ascension Loop Trail.

This was just as nice as the other hikes I’ve done in Montana, and there were some convenient rocks at the top upon which I was able to have a seat, take in the sweep­ing views of Helena and South Hills, rehydrate, breathe in the fresh air, and enjoy the serenity of nature.

After beginning my descent from the summit on a small side trail directly to the north of Mount Ascension Loop Trail, I ran into another lookout spot with an amazing view that I would have probably mistaken for the summit had I ascended in the opposite, clockwise direction. This spot had nice views of the city, and it’s looking like the view extended as far as East Helena on the other side of the interstate highway.

My luck avoiding the impending storm was running out, and it started raining. I was hoping to have an opportunity to go more east and explore the Bom­part Hill area as well if my stamina allowed, but I figured it wasn’t exactly the safest thing to be around a bunch of trees on top of a mountain while it’s rain­ing, so I just took a quick route back down to the parking lot.

Overall, my hike was just shy of 3 miles (which translates to a little over 4.5 kilometers), and the total elevation gain was approximately 930 feet (283 me­ters).

 

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Hello, Montana Historical Society in Helena

On one of the rainy days during my stay in Helena, Montana, I found myself an indoor activity to do—visit the Montana Historical Society.

Apparently a visit to the Montana Historical Society is usually done as a two-part trip, the first to the museum that I visited, and the second to the O­rig­i­nal Governor’s Mansion on Ewing Street. Unfortunately, I woke up pretty late and had some time-sensitive work to get done, so I had a little bit of a late start to my day and didn’t have enough time to visit both before closing time. However, I still got a thorough walk through the entire museum por­tion.

Overall, I’d say that this was probably one of the most cookie-cutter, textbook museums you can find. It focused in on a topic (Montana history), had a lot of exhibits on display behind locked glass, had a few videos playing on screens, and had a decent amount of text explaining the various different ex­hib­its.

My favorite part of the museum was on the second floor, which was actually more of an office floor than it was a museum floor, but there was one ex­hibit by the stairway. Apparently this is a white buffalo (not entirely albino, but close), which is very rare.

Because of how rare it is, scientists monitored it closely and ensured it would be of extra good health. This additional support meant that the buffalo grew far beyond its regular life expectancy, and once it died of natural causes, it was taxidermically stuffed for preservation and turned into an ex­hibit at this museum. You can tell how old it was because of how much hair it lost—I guess buffalos bald too, just like humans.

 

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Hello, Mount Helena in Montana

After having such a great time hiking in Billings and Bozeman, I wanted to get in a few more Montana hikes in Helena. Of course, the first thing I had to do was climb to the top of the mountain named after the city—Mount Helena.

On the way up, I started on Prospect Shafts Trail. The path was easy to follow, and there were some nice views progressively throughout the whole hike. The recent snow meant that the higher mountains in the back were still snow-capped.

On the way up, I ran into some wildflowers…

… as well as a pair of deer scavenging for food.

Usually when I run into deer, they keep their distance and are quick to flee when I get near to try and capture a photograph, but the deer I met here seemed to not mind that I was creeping closer and closer to try and get a better picture. That’s good and makes me happy, not only because I got a decent photo, but also because it tells me that the other people around here respect the deer enough that the deer have learned that people are not a threat.

I got pretty out of breath as I got closer to the summit; I’ve done hikes with a greater total elevation gain, but the summit of Mount Helena is 5,433 feet (1,656 meters), so the oxygen gets a bit more sparse up here than at the taller hikes I’ve done on the flatter East Coast.

I connected from Prospect Shafts Trail onto Hogback Trail for the final stretch.

Eventually, I made it to the summit and was able to take in the vast, sweeping, panoramic views of Helena and the surrounding area.

There were two guys already there at the top. Shortly after my arrival, an old man also made it to the top; he let me know that this was the first time he had made it to the summit in five years, and that he’s been really working on getting healthy and fit again.

On the way down, I switched over to Powerline Trail. The distance was shorter, which meant that the grade was a lot steeper, so it took a bit of extra focus and control not to trip, fall, and slide down the mountainside.

In total, the path I took was just over two and a half miles (which translates over to a little over four kilometers), and had a total elevation gain of about 1,100 feet (336 meters).

Needless to say, if you ever visit Helena, I definitely recommend hiking its namesake mountain. It’s a great workout, it has unobstructed views of the city and Lake Helena to one side, and amazing views of the mountains on the other.

 

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