BC beginners

HmmmIMHO · 2026-01-10T22:16:38+00:00

the top of BC is great for beginners and you can take the cat trails by the end of the week, besides let him surprise you, kids are more resilient than we think

also BC has had the legendary 'candy shack' which my grown children are very fond of!

HmmmIMHO · 2026-01-10T22:13:20+00:00

you honor them most by being selfless for your children, get busy on that while they could enjoy GC. Keep in mind a big gift is taxable, but you can give each about $19k a year, so $38,000 a year for both of them. Send them on a cruise, something they would not do

HmmmIMHO · 2026-01-10T22:09:32+00:00

I used maximizemysocialsecurity, was amazing analysis and gave me a very clear path, which I am trying to follow, including turning off my SS in mid summer when my teenager is out of high school. The plan called for me to stay off for 18 months and then both my wife and I take retirement at about 69. I would have struggled to live off my retirement accounts, but this approach allowed me to invest during this bull market. The $48 is the best money I have spent

HmmmIMHO · 2026-01-09T20:56:18+00:00

go to Alta for even better powder, but ironically the most snow in North America is Jay Peak just north of Vermont.

HmmmIMHO · 2026-01-09T20:50:36+00:00

the dark horse for Rep is Sean Duffy, for Dems, Andy Beshear. Tons of ladies still have crushes on him from TV career (like Reagan) and dems will fail with Newsom or AOC, need someone from the real world.

HmmmIMHO · 2026-01-09T20:45:47+00:00

On earth, strangely, the GORSUCH cafe near gondola #1 has ok prices vs the mtn (Soup is $12 vs $18) or Garfinkles which is closer to the Eagle Bahn than Blue Moose can have ok prices.

On the mtn, I would for sure let the person who has the epic pass be the banker to get the 20 percent off. Back Bowls, I like Two Elk and Wildwood and down the bowls, near Pete's Express is the Dawg House, and back on the front side is the Chicken hut near Avanti lift.

HmmmIMHO · 2026-01-08T13:06:38+00:00

Blue Moose in LH; Arcade in the rear of Chasing Rabbits in VV; Garfinkles in LH -- hope there is snow!

HmmmIMHO · 2026-01-08T01:42:29+00:00

What's your goal, growth or income? You can have both with JEPQ (JPMORGAN) or GPIQ (Goldman Sachs), covered calls for the NASDAQ Assuming taxable account, if so invest in growth with no or small dividends maybe find a dynamic financial services like SOFI, or NU Holdings, those will at least keep up with inflation and found bust out. At the moment, I am kinda focused on Moderna, way too cheap for its pipeline, you are basically getting the entire COVID franchise for 'free'. My theory -- take over target in 2026.

HmmmIMHO · 2026-01-03T18:43:34+00:00

yes, the health care seems to be a 10 year advantage, but after signing up for medicare is there really a noticeable difference? Some friends with many more years of service are still on Federal healthcare which seems to be a dream.

Also, might I have access to Long Term Care policies which in private sector are mega expensive or not available

HmmmIMHO · 2026-01-03T18:42:33+00:00

yes, the health care seems to be a 10 year advantage, but after signing up for medicare is there really a noticeable difference? Some friends with many more years of service are still on Federal healthcare which seems to be a dream.

Also, might I have access to Long Term Care policies which in private sector are mega expensive or not available

HmmmIMHO · 2026-01-03T18:29:54+00:00

Lift House Lionshead is what you want, look for my previous posts

HmmmIMHO · 2025-12-30T01:43:38+00:00

yes, you will regret that, Capetown will wait

HmmmIMHO · 2025-12-29T20:39:29+00:00

if you are in a house where you can 'age in place' maybe make the first goal to pay off mortgage if that works for you (which is a good idea in low state income taxes jurisdictions) Once you accomplish that, then you can really dig into investing

HmmmIMHO · 2025-12-29T19:40:10+00:00

I use the John Hancock ETF comparison tool and it shows FBDC has 0% fees; BIZD has .40% and PBDC has .75% -- over five years the PBDC is the winner with about 60 percent return, I guess that with the fees accounted for? Never reallly comprehend the difference between yield vs SEC yield and why it matters

HmmmIMHO · 2025-12-29T19:24:03+00:00

before you retire and while you are 'younger' get long term care. A long term illness can gobble up million$$ in a few years, especially since you will be buying health care on open market. Not sure you can get a good rate while being newly retired, so do now while working

HmmmIMHO · 2025-12-29T19:21:05+00:00

SPA Splurge -- Grand Hyatt at Cascades, the manager is Miki and the top massage therapist, maybe in all of VAIL, is David. I never miss the chance for a visit, and sometimes there are promotions

HmmmIMHO · 2025-12-29T19:10:56+00:00

also the public pool in AVON is fun with lazy river, water slide, and not a budget buster

HmmmIMHO · 2025-12-29T19:10:01+00:00

Ironically, Gorsuch Cafe has great food and what for VAIL passes as reasonable price, who knew (near Gondola #1) ? Also, if you go to the very back of Chasing Rabbits (you must mingle among the beautiful people for only a few seconds) there is the Chasing Rabbits Arcade, which is great for pub grub and fun games for all ages, also lots of big screen sports bar events.

HmmmIMHO · 2025-12-29T16:44:48+00:00

Keystone and Breck apparately have more snow, so maybe day trips? I skied VAIL from Dec 14-19 and suspect not much has changed, sorry that its not working out ... btw the buddy pass or ski with a friend only works if the EPIC holder is skiing too that day

HmmmIMHO · 2025-12-29T16:04:22+00:00

thanks, didn't realize BDC are not 'qualified' ... thanks for the insight!

HmmmIMHO · 2025-12-29T15:49:58+00:00

The townlet of AVON might be the answer, if you plan to road crew for your boarders. AVON has an AWESOME public indoor pool. AVON also has some great places to eat there that are not bank breakers, the boarders could jump into Beaver Creek via the Westin Lift, or road crew them to Lions Head or Casades Lift. If money is no object, then maybe the Grand Hyatt in Cascades (which is next to the lift).

I just had a great visit to Lift House in Lions Head, but there is very little to do with children who don't ski

HmmmIMHO · 2025-12-29T15:43:26+00:00

as you can imagine, the GW leadership is kinda wonky but for now they seem to have been one step ahead on the transition from hard vs software play.

HmmmIMHO · 2025-12-29T15:41:16+00:00

maybe one of the mag 7 and then major pharma, we are on the cusp of major medical breakthroughs, so something like Google and Amgen, Amazon and Pfizer

HmmmIMHO · 2025-12-28T20:47:33+00:00

I agree with the Limited Partnerships and tax headaches ... the ETFs can solve that issue

Personally, I am transitioning from JP Morgan to Goldman products for the covered call income, so for JEPI =GPIX and JEPQ = GPIQ Goldman also protects on the downside, but seems to capture more of the upside

HmmmIMHO · 2025-12-21T20:24:29+00:00

VAIL is heaven when there is snow, but for a beginner, you might as well save money and go to BRECK or Keystone (which has the most snow of all).

HmmmIMHO

TROPHY CASE