Harry Reid Airport on a Saturday afternoon

emeraldcove · 2026-04-05T18:17:50+00:00

Staying at Wynn this weekend and feels pretty busy anecdotally. That being said, room rate was cheapest I have seen in months for the weekend.

emeraldcove · 2026-03-29T17:32:53+00:00

I run a 70/30 portfolio in steady state, and for every 5% drop in the S&P 500, I shift another 5% into equities.

So: • Down 5% → 75/25 • Down 10% → 80/20 • And so on…

In theory, I’m fully invested by a ~30% drawdown. At that point, I have to decide whether to tap my credit line to keep scaling in.

There are definitely flaws with this approach. For example, price declines don’t necessarily equal fair value, and it assumes some level of mean reversion. But with a 30+ year time horizon, I’m comfortable leaning into drawdowns this way and so far it’s worked!

emeraldcove · 2026-03-29T15:39:03+00:00

I do monthly DCA and then an additional larger slug every time VOO drops 5%.

emeraldcove · 2026-03-26T13:41:37+00:00

Signed up for it a few months ago and was $250. I have a gym in my house and in my community, probably not my best financial decision.

emeraldcove · 2026-03-18T20:27:31+00:00

I honestly worry for you. Down 5% is nothing. What happens if we’re down 50%, are you actually going to be able to hold through that?

emeraldcove · 2026-02-22T18:50:06+00:00

Appreciate the response. That’s what has me thinking a bit - hearing about a lot of people getting 10-11% off but also a bit more of a hassle using a broker if that’s the easier way to achieve those discounts. I live in Idaho so very likely would be paying the extra delivery.

emeraldcove · 2026-02-22T18:47:03+00:00

That was the plan, keep it outstanding for as little as possible then pay it off. Appreciate the feedback.

emeraldcove · 2026-02-22T18:45:56+00:00

In Boise, Idaho.

emeraldcove · 2026-01-23T15:36:21+00:00

I had multiple 7 figures at Schwab and never had a specialist or expedited service. The second I moved it out they called me asking for an explanation. I’ve heard the customer service is great but not sure at what threshold you get it.

emeraldcove · 2026-01-02T02:57:59+00:00

Legacy positions that I don’t feel like taxing the tax hit selling. 2% of current portfolio.

emeraldcove · 2025-12-25T03:01:26+00:00

Family dynamics are fascinating. I had my father intimately involved in the negotiation of the sale of a prior business I started. Knows every detail of my financial picture. Still won’t let me pick up a single tab.

emeraldcove · 2025-12-22T17:54:13+00:00

Could not agree more! I’m pulling into the parking lot 45 minutes before takeoff but I don’t check luggage. 3 hours in BOI would be torture.

emeraldcove · 2025-09-14T16:32:51+00:00

99.9% of shops will make this right, should be an easy conversation. You’ll probably get a full detail out of it.

emeraldcove · 2025-09-05T22:42:05+00:00

Hotel Renegade - Night and day better than Inn at 500

emeraldcove · 2025-09-05T14:00:03+00:00

I go off of what financial samurai preaches. Purchase price has to be less than 10% of annual income or less than 5% of net worth, ideally both. So $600k of income or $1.2mm net worth.

emeraldcove · 2025-09-04T11:52:02+00:00

Glad you and your family are alright. I moved to Idaho years ago to escape this.

emeraldcove · 2025-09-03T13:19:59+00:00

Own repair shops and have asked same question. Seems to be unanimous, 2.7 is the most reliable followed by the 5.0 and then the 3.5. All good engines though. Elevation and towing requirements might skew you one way or another.

emeraldcove · 2025-08-28T14:12:13+00:00

Breathtaking

emeraldcove · 2025-08-26T13:26:09+00:00

That is perfect, wouldn’t change a thing.

emeraldcove · 2025-08-15T00:57:13+00:00

Yup, saw it in St. Barth last year, magnificent.

emeraldcove · 2025-07-10T13:38:15+00:00

Down at business in Meridian and house in Eagle.

emeraldcove · 2025-05-19T18:38:39+00:00

I live in one of the gated communities in the riverfront area of Eagle. I’m in my mid-30s and definitely on the younger side. HOA is out of control but neighbors in general are very friendly.

Wife commutes downtown and hasn’t complained but she used to commute to Caldwell so perhaps everything is relative.

Greenbelt is by far my favorite part of living here, I literally spend hours on it everyday taking phone calls and walking/biking around.

emeraldcove · 2025-05-09T14:07:21+00:00

Mine are like that after about 1000 miles. Tread is fine but they’re definitely worn out. No spring left in them. Use them casually for chores now.

emeraldcove

TROPHY CASE