Hello, Scotts Bluff National Monument in Scotts Bluff County, Nebraska

After my stop in Cheyenne, Wyoming, my next destination was planned to be Rapid City, South Dakota. The drive is around four and a half hours, which isn’t that bad—that’s about the time it would take me to drive from Las Vegas to Los Angeles if there was normal traffic conditions after entering the Los Angeles area—but I still wanted to see if there were any opportunities to split up that drive across two days.

Upon searching for available hotels along the route, I noticed that there was a Fairfield Inn and Suites by Marriott in Scottsbluff, Nebraska. Upon closer inspection, I realized that the Scotts Bluff National Monument was also nearby west of Gering, a city in Scotts Bluff County. I decided to spend one night in Scottsbluff, then scheduled a stop at the Scotts Bluff National Monument on the day I drive in, and another stop at another nearby national park on the day I drive out.

Just as a quick disclaimer, I want to point out that I am not making any typos when it comes to these location names. The national monument and the county are called Scotts Bluff with a space between the two syllables, while the city name is Scottsbluff as a single word. Funny enough, Google Maps also has a point where, driving from the national monument to the city, you would take Old Oregon Trail, turn onto Nebraska Highway 92, and follow signs for “Scottebluff” … but I think that might just be an error on Google Maps, as I wasn’t able to locate any signs that replace Scottsbluff’s “s” with an “e.”

Scotts Bluff National Monument was a fairly small and straightforward national monument. Admission was free, and upon entering, you had two op­tions for exploration: you could either park at the bottom and hike your way up to the top, or you could take the Scotts Bluff Summit Road via ve­hi­cle. I decided to do both.

Because of the shape of the National Monument, the hiking route started as a paved trail that stretched far outwards to the northeast, cutting through Scotts Spring.

Around that area, I was able to find some wildflowers, though they weren’t exactly the kind of flowers you’d see elsewhere, and I also wasn’t exactly sure whether or not they were still alive.

For a bulk of the first part of the hike, I thought the trail was relatively timid, but after making it more than halfway to the summit and looking back, I realized that the path was actually somewhat carved in the side of the mountain, and the drop off the edge was a lot steeper than it felt when I was walk­ing through that area.

Eventually, I made it to a tunnel that cut through the rock and opened a pathway to the other side of the mountain.

The other side of the tunnel had a lot more vegetation and opened up views to the northern side of the mountain, which were previously hidden by the mountain itself.

After some hairpin turns and a few steeper climbs, I made it to the North Overlook at the summit and was able to enjoy nice, sweeping views to the north, specifically of Scottsbluff, Terrytown, and the North Platte River.

On my way back down the trail, I decided to snap a photo of the tunnel through the mountain. At the time of the photograph, it was so bright outside and so dark in the tunnel that it just looked pitch black in the tunnel, but I was able to extract a lot from the raw sensor data from my camera. There were three tunnels in the vehicular route to the top as well, but this hiker tunnel had a lot more interesting detail to the texture of the rock.

On my way down, I also snapped a photo of a rocky ridge that had signs instructing people to stay on the trail and avoid going off course (i.e., on the ridge) due to high risk of falling. I’m not particularly the biggest fan of randomly falling off a mountain and dying, so I heeded that warning.

After making it back down to the vis­i­tor center, I got in my truck and took the scenic drive back up to the top of the monument so I could see the three other tunnels and the South Overlook as well. I could’ve just walked from the North Overlook to the South Overlook as part of my hike, but I saved the South Overlook for my drive so I could use it as a “reward.” The South Overlook had some nice mountain views, as well as a view of the vis­i­tor cen­ter and the first loop of Scotts Bluff Summit Road leading into the first vehicular tunnel.

The walk from the parking lot to the South Overlook wasn’t recorded on my GPS, and I also started tracking a little bit late, but overall, my total hiking distance was a little bit over three and a half miles.

I’m glad I stopped by Scotts Bluff National Monument. It obviously isn’t exactly the most impressive or stunning national monument or national park I’ve ever been to, but it has its own charm with its relatively small size. As a tourist, you’d be able to see everything there is to see in one single visit of a few hours, but with free admission, I feel like this national monument is more used as a regular exercise area for the residents of Scotts Bluff County, being only about a ten minute drive from central Gering.

 

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Investment allocation breakdown for 2022 Q1

Happy April Fool’s Day—that means it’s time for another investment allocation breakdown. Yes, all of the information in this breakdown is accurate; no, there are no April Fool’s jokes in these numbers.

As of last month, it has been one full year since I’ve done investment breakdowns. Out of all the quarter-over-quarter breakdowns, I think the first quar­ter of the year is going to be the most interesting with the greatest number of changes, because the beginning of the year is naturally the time when I spend the most cash on investments, considering that calendar-year restrictions obviously refresh on January 1.

Keep in mind that this is a series, and I’m trying not to repeat information post-over-post, so you may not be able to get a complete picture of my in­vestment portfolio unless you go back and read the previous installments.

And of course, like usual, a disclaimer: I am not a registered investment advisor, and even if I was, I wouldn’t be your investment advisor; to you, I am noth­ing more than a blogger on the Internet writing personal anecdotes on his website. I am in no way suggesting or implying that you should copy my strategy; everyone’s situation is uniquely different, so you should consult and hire a certified professional if you need guidance with your own financial planning.

Cash

As expected, my cash balance has had the most significant decline from the previous quarter, as I’ve used a large portion of it to buy investments during January. I personally think that, if you don’t have a clear plan for your cash balance, then you should hold as little cash as possible; the allocation I have towards cash right now (as opposed to previous quarters) is a lot closer to what I think is rea­son­a­ble and ideal for my situation.

  5.84%

Domestic total market index funds

Very few changes here—this is approximately the same amount of money as last quarter (minus the market changes, obviously), with the exception of purchasing additional shares of FZROX via a maximum 2022 contribution to my Health Savings Account.

 26.08%

International total market index funds

There are no changes to my international index fund allocation, except for the fact that the international market has been the worst-performing holding in my portfolio for a while now. I’m not discouraged, though; this may be a decent opportunity to buy more while it’s low.

  7.37%

Target retirement funds

As the “set it and forget it” segment of my portfolio, I had a noticeable jump in target retirement funds because I maxed out my 2022 Roth IRA contribution, put a large chunk into my 2022 SEP-IRA, and rounded out my 2021 SEP-IRA contribution after doing my tax­es and calculating the exact tax-year limit.

As a reminder, I categorize this separately because target retirement funds are self-adapting in composition. If you’re curious what mine specifically are made of, I generally split my contributions almost evenly between VFFVX and VTTSX.

 24.75%

Real estate investment trusts (REITs)

No changes.

 16.45%

Bonds

I went into far greater detail about this in a recent finance blog post about investing US$10,000 into individual companies as a com­pe­ti­tion with my friend Doug Wreden, but I personally do not think the stock market is going to do well over the next year. Be­cause of this, I’m more willing to turtle up with bonds and other safer investments. I added onto my bond balance again this quarter, and will most likely hold onto them until the next recession cycle is over, at which point I will exchange them for higher-risk in­vest­ments a­gain.

  8.17%

Precious metals

Following a similar spirit as the above, I invested in precious metals for the first time in my life this quarter. I did some light research about them, and although I still don’t really understand the nuances of metals investments yet, I still figured it’s a good way to di­ver­si­fy my portfolio.

I do a majority of my investing with Vanguard, but I have a Fidelity account for the things that Vanguard doesn’t offer—namely, a Health Savings Account and a Charitable Giving Account. A good precious metals fund also appears to be something Van­guard doesn’t offer (the Global Capital Cycles Fund seems to be the closest thing, but that only invests about a quarter of its funds into precious metals), so I decided to use my previously-dormant individual brokerage account under my Fidelity profile to purchase FSAGX.

  2.00%

Cryptocurrency

The best thing about my cryptocurrency investment so far is the fact that I was able to use it for maximum tax loss harvesting in 2021. Apart from that, I’m just holding onto it, terrified to buy more in case it keeps crashing, but also concerned that “cutting my losses” now will result in cryptocurrency rebounding and becoming mainstream and running away with all my potential profit.

  6.99%

Speculative stocks and individual companies

I decided to purchase some more individual securities, namely in Cloudflare and T-Mobile, both companies that I believe in and have personally been using for a while now. There were some dips in the prices of both stocks over the past quarter, so I took advantage of that opportunity and grabbed some shares on sale.

  2.35%

Notably missing from this breakdown, like usual, is my equity ownership of Tempo, as revealing that would likely heavily skew percentages and also potentially implicitly reveal some of the company’s confidential information.

Another thing that is missing here is the $10k I spent on stocks in the competition with Doug, the blog post for which I linked above in the “Bonds” section. I don’t have a particular reason for not including it—I just happened to forget about it, as I have those stocks held in a separate account, and it takes a lot of work to add together all the numbers and calculate percentages, so I didn’t want to bother redoing all the work… heh.

 

Edit (April 5, 2022):

Speaking of the competition with Doug, I haven’t posted an update about our progress since a week after we did the initial stock purchases, so I decided to edit this blog post and throw in some tables and a chart to show how our picks were doing.

As of the end of the market trading day today, my portfolio is valued at $10,536 and Doug’s portfolio is valued at $10,433. For comparison, if we had in­vested into an S&P 500 broad index fund instead, the portfolio would be worth $10,441.

One thing to keep in mind here is that the stock market is fairly volatile right now, and with our portfolios having only ten and eleven companies, there can be huge fluctuations in a matter of days. In fact, I’d say it’s mostly luck that I happen to have the highest portfolio balance today; for a good chunk of the past month or so, it was Doug whose portfolio value was beating not only me, but the S&P 500 as well.

 

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Hello, Hidden Falls at the Curt Gowdy State Park in Cheyenne, Wyoming

I wanted to get in a hike in Cheyenne before heading out for my next destination, but I noticed that a lot of trails near the city were just greenways that connected different neighborhoods. After expanding my search radius, I came across Curt Gowdy State Park, a state park about half an hour west of the main city of Cheyenne.

I was anticipating doing a quick hike out to and back from Hidden Falls, but long story short, the quick hike ended up on the not-so-quick side.

I successfully found my way to the parking lot and the trailhead. Unfortunately, although the trails were actually pretty well-marked for off-road vehicles, they were almost not marked at all for foot hikers. Because of this, I just found a trail and started walking, and it ended up being in the wrong direction.

After occasionally taking a peek at my GPS (which was difficult, because there was extremely poor signal out there), there came a point where I realized that my trajectory was way too far off from Hidden Falls, so I retraced my steps and found a different path I could take. That path also ended up being in­correct; I made it much closer to Hidden Falls, but it took me to the foot of a mountain and Middle Crow Creek, and it wasn’t very realistic for me to attempt to cross the creek into forest and try to climb straight up a mountain without realizing where it would take me.

Eventually, I found my way onto the correct path, and after already having hiked about halfway or so down the trail, I saw a sign that said “To Hidden Falls,” even though this was now a straight shot to Hidden Falls and there was no possible way I could miss it.

Maybe if the person who nailed this sign to the tree was using both halves of their brain on that day, they may have come to the conclusion that the sign would have probably been far more useful and effective at the initial three-way fork in the road.

Once I got closer to Hidden Falls, the trail got much better. There were bridges in areas that were difficult to navigate, and even though there was a lot of snow and ice covering the path, there were enough footsteps in the snow from previous hikers trafficking the route that it was easy to see where to go next.

Eventually, I made it to Hidden Falls and realized that the waterfall was completely frozen over.

I’m actually fortunate that I wasted about an hour and a half roaming around in the wrong area, because that made it so the timing lined up where I met some ice fishermen at the waterfall. If I remember correctly, their names are Angel and Alex, and the guy pictured below goes by “Everyday Pikachu Hat Fisherman” on YouTube. Apparently the ice was extremely deep, and they actually had some success catching fish.

After enjoying the view, carefully sliding around so I wouldn’t get a concussion from slipping on the ice, and then making it back to the parking lot, I drove back onto Granite Springs Road and took a detour into the Happy Jack Camp­ground and shot a nice view of the Granite Springs Reservoir.

I’d say that, even though the hike ended up about twice as long as I was anticipating due to my poor navigation, it was ultimately a success. The scenery was great, the air was fresh, and the frozen waterfall was very intriguing. I also enjoyed meeting the ice fishermen and watching them fish—I’ve seen pho­tos and videos of people ice fishing online, but I never expected to be able to see it in-person, especially without having to go to somewhere like A­las­ka.

Continue reading →

 

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Yes, I’m still alive; and hello, Cheyenne Depot Museum in Wyoming

It’s been almost precisely two weeks since my last blog post, which I understand can be a bit jarring, considering I had previously been blogging once every few days with new travel updates. I’ve had a few people message me to make sure I’m still alive and didn’t randomly fall off a mountain in Colorado; I highly doubt I would be clumsy enough to put myself in a situation where such a thing would happen, but regardless, I appreciate the con­cern.

Since leaving Utah, I made my way across Colorado and made a few stops, specifically in the Grand Junction, Denver, and Fort Collins–Loveland areas. As a whole, Colorado is probably my favorite state, but my two weeks spent in Col­orado this time around wasn’t exactly that exciting, for a handful of reasons:

  1. I was going to split up my trip some more and spend some time in the mountains, but I failed to realize that it still regularly blizzards in the Col­orado mountains in March, so I had to shuffle things around as to not have to drive across the elevation changes of I-70 in a snowstorm. I end­ed up going straight from Grand Junction to Denver in a single drive on a day that I knew would be dry.

  2. Even not in the mountains, it still regularly snows in Colorado in March, so I got snowed in on more days than I would have liked. Hiking is a bit difficult in the snow, and even when it’s not snowing, the below-freezing temperatures turned a lot of the hiking trails I wanted to visit into ice skating rinks. Yes, I could’ve done some indoor tourist activities, but I mostly just didn’t want to bother taking the risk of driving through several inches of snow, getting in a collision, and getting stuck. That’s already bad enough for a normal person, but it’s especially bad when you’re a nomad living out of hotel rooms and heavily reliant on your vehicle.

  3. Tempo Games is staffing up really hard right now with our new Series B investment funding in order to ramp up production on The Bazaar. That means that I, as the one who handles all of corporate operations, am overloaded and buried in work. Not only do I need to take care of post-in­vestment legal tasks, but I also need to handle all the human resources and legal aspects of all our new hires. A majority of the past two weeks have been spent working inhuman hours in an attempt to keep the company moving.
  4. In the little free time that I did have, I decided to relax and rest up for a bit, considering I had just visited three major national parks and gone on a handful of good hikes. I caught up on some Final Fantasy XIV content, read some ebooks, and took my truck in for an oil change and routine maintenance. It was nice leaving the blinds open, turning on a virtual fireplace on the hotel TV, turning on a dim light, and staying cozy indoors while watching the snow fall outside.

 
After the fairly uneventful stay in Colorado, I made it to Cheyenne, Wyoming. For my first activity of the city, I decided to go to the Cheyenne Depot Museum. When I first arrived in Cheyenne, my hotel asked for a bit more time to clean and get my room ready, as they were sold out the previous night due to… you guessed it, an unexpected snowstorm that shut down interstates.

While waiting for housekeeping to wrap up, I was originally planning on going for a walk on a local greenway, but decided against it because of how windy it was. Instead, I decided an indoor activity would be better, and thought it would be a great day to learn about trains, which apparently is some­thing that Cheyenne is notably known for.

The location of the museum was actually quite convenient, as if you were patient, you would be able to see real trains crossing on the train tracks di­rectly behind the museum. There were no decommissioned trains in the museum itself, so this was actually one of the only ways to see a real train at the train museum—which is unfortunate, but reasonable, as having a worthwhile display of real trains would mean the scale of the museum would have to be astronomically larger.

One of my favorite things about the museum was the model train exhibit on the second floor. Unfortunately, the actual model train didn’t appear to be operating, but the display itself was still very impressive—it had great attention to detail, and according to some of the labels, it appears like it was mod­eled after real areas that were symbolic and significant to the train industry.

With the time that I’ve spent in Cheyenne so far, I think it’s actually a surprisingly nice and pleasant city.

Downtown Cheyenne feels like a suburb in the metropolitan area of a larger city. Everyone I’ve encountered was very kind (which tends to be a char­ac­ter­is­tic of less-populous areas in general), the drivers are respectful and non-aggressive, it’s still large enough that all the major chain stores and res­tau­rants are still conveniently present, and the air quality was pure.

Another intriguing thing I noticed about Cheyenne was the heavy police presence—every time I would drive out, I would see several law enforcement vehicles on the road. I imagine a small city like Cheyenne doesn’t have much crime, so it appears like Cheyenne takes a very patrol-oriented and com­mu­ni­ty policing philosophy, ensuring that they have good active coverage of the city to ensure that it remains peaceful.

The last time I was in Wyoming, I drove across Interstate 80, spent some time in Rawlins, then connected onto U.S. Route 287 from Laramie and headed down to Fort Collins, so I didn’t have an opportunity to visit Cheyenne. This isn’t going to be my last stay in Wyoming either—I’ll be skirting around Wyoming to visit Nebraska and South Dakota, then cutting back through the northeastern corner of Wyoming again on my way to Montana.

 

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Hello, Arches National Park near Moab, Utah

After visiting Canyonlands National Park, I went to the Arches National Park the following day on the other side of US Route 191.

Arches is actually the main reason why I wanted to go to Moab, and I was planning on spending two days at Arches (the day of check-in and the day of check-out at my hotel in Moab), but after I had my travel all planned out and scheduled, I learned that Canyonlands existed, so I split my Moab trip between the two national parks. This meant that I had less time to explore Arches, so I did a full scenic drive and did only a little bit of hiking spread out across the main hotspots.

I have so many photos from Arches that I don’t precisely remember where each one is from, but the route I took was Park Avenue Viewpoint, La Sal Mountains Viewpoint, Courthouse Towers Viewpoint, Petrified Dunes Viewpoint, Balanced Rock, and Salt Valley Overlook.

Afterwards was Fiery Furnace, the final stop before the end of Arches National Park Road.

My original plan was to do the full Devil’s Garden Trail, which is just shy of 9 miles and over a thousand feet in elevation gain. However, because I con­densed my Arches trip to just one day, I did a much shorter version of the Devil’s Garden hike.

The first stop was Tunnel Arch.

After Tunnel Arch, I hiked over to Pine Tree Arch, before turning around and heading back to the trailhead.

Even though Devil’s Garden is the end of the road, that wasn’t all—there are a few other side roads branching out from Arches National Park Road, which I checked out on my drive back to the entrance.

The first side road I took was Delicate Arch Road, which led to Wolfe Ranch and the Lower and Upper Delicate Arch Viewpoints. If I wanted to go see the Delicate Arch up close, I would’ve had to hike up there from Wolfe Ranch, but for the sake of time and energy, I decided instead to drive straight to the viewpoints. Some people were just satisfied with the lower viewpoint, but I climbed up to the upper viewpoint for a better view of Delicate Arch (though I wasn’t able to see the Twisted Doughnut Arch from that angle).

Upon retracing my path on Delicate Arch Road, I went further south and turned onto The Windows Road. The first stop there was the Garden of Eden.

I thought I heard voices coming from one of the freestanding rocks at the Garden of Eden. I have incredibly poor eyesight, so I couldn’t actually tell if there were people up there, but I snapped a photograph in that general direction and managed to capture some rock climbers.

Next up, at the end of The Windows Road, was the Double Arch.

And finally, as you’d expect from the name of the road, the final landmark at the end of The Windows Road was Window Arch.

Compared to the chaotic and underwhelming experience I had at Zion National Park, Arches was much, much better. There were tons of places where people could pull over to the side of the road to take in the views, and it wasn’t massively overcongested (though I assume this is considered off-season, so it might end up getting worse over the summer).

I regret only booking one day in Moab, because I feel like I could’ve spent a full three days exploring Arches National Park and still feel like I only barely got to see everything.

I also liked the contrast between Canyonlands National Park and Arches National Park—it was amusing to see the massive canyons in Canyonlands, and then the massive rock formations in Arches, as if some giants used one side of the road to dig a bunch of holes, then used what they dug up to make a bunch of sculptures on the other side of the road.

Also, this might be a bit of an unpopular opinion, but I actually enjoyed Canyonlands and Arches more than I did the Grand Canyon. The Grand Can­yon is definitely an incredible national park, but unless you’re literally taking a multi-day trip to hike down over a mile in elevation to the bottom of the canyon and camping out, it’s a little difficult to truly grasp the massive scale of the Grand Canyon. Even though Canyonlands is far, far smaller than the Grand Canyon, I feel like it was easier to conceptualize—sort of like how a normal person can’t truly grasp how much money one billion dollars is, but most people know exactly how one million dollars can change their lives.

With that being said, Moab is definitely a visit-again destination. I’ve historically known Moab as the place people bring their pickup trucks for brutal off-road capability testing, and even though I haven’t really done much off-roading, it’s definitely something I would consider trying, if I ever purchase a proper vehicle (or, a more easier solution would be just to rent a proper vehicle).

Continue reading →

 

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Hello, Canyonlands National Park near Moab, Utah

After making my way across the state of Utah, I decided to take a stop on the east side in Moab, a city nestled conveniently between two national parks, Can­yonlands National Park and Arches National Park. I decided to visit Canyonlands first.

After traveling on US Route 191, I turned onto Utah State Route 313 and took the scenic drive south into Canyonlands National Park. My first stop was at the Shafer Canyon Overlook in the Island in the Sky district.

After taking in the views and capturing a lot of photos, I noticed that it was slowly becoming more gloomy, and there were dark clouds forming in the distance. Assuming that there was incoming inclement weather, I decided to drive straight to the end of Grand View Point Road to see the summit first, as I figured it would most likely start snowing at higher elevation faster.

By the time I drove past Mesa Arch, it was on the verge of raining, and right as I was passing the Buck Canyon Overlook, it started snowing. By the time I made it to the White Rim Overlook, it was hailing, but I had already come too far, and I had to go all the way up to Grand View Point.

By the time I finally made it to Grand View Point, there was absolutely no view. The snowstorm had picked up at a breakneck pace, and the “view” I had was basically what you see in the top third of the photos below, but literally everywhere instead of just in the sky. There was no visibility, and if the paved sidewalks weren’t there, it would’ve been a very real possibility for someone to just walk straight off the bluff. Needless to say, I opted not to hike the Grand View Point Trail to the overlook.

Trying not to get a concussion from the hail, I scurried back to my truck and started driving back down. I captured some photos along the way of the calmer areas, but the snow had swept through the entire national park, and even hit all the way down to the hairpin turns by South Fork Sevenmile Can­yon. There was a decent amount of traffic backed up of other tourists who had the same idea as me and wanted to make it back down to Moab be­fore the snowstorm turned into a blizzard.

Although it was a bit unlucky that the weather was unconducive to a hike, the parts I did get to see were nice, and it was pretty seeing the desert veg­e­ta­tion peeking through a blanket of white, which I imagine most other people wouldn’t have an opportunity to see if they visit over the spring, sum­mer, or fall.

 

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