Life is a Number$ Game

As of July 1 my finances should be in better shape. I officially changed my health plan and following a biometric screening scheduled for this week and a quick health assessment survey I will save $66 a month on health insurance. Couple that with the fact that I am not re-enrolling in a flexible spending account so that is $24 a month more I’ll get back. 

Add those numbers to my raise that finally will hit starting this next pay period and I’ll be looking at $372 more a month pre-tax. 

I’m still thinking about my defunct retirement funds. I’m still leaning towards taking some of the $ and then rolling the rest of it into a new IRA. Hoping to get in a few dental consults in the next few weeks. My goal is to have a decision by July 1. 

BOOKED

I just schedule my first set back to back dates in a loooong while. The first one is a first date for drinks and the second date is a second date for dinner and drinks. Luckily both in Old Town Alexandria (opposite ends of King Street). 

I wish I could swing this more often. 1 cute outfit/hair style for 2 dates is called being efficient! 

How To Reach Your Racing Weight

Source: http://blognar.ragnarrelay.com/2014/05/how-to-reach-your-racing-weight/

I’m not calling you fat. I’m just suggesting you might be a few pounds above your ideal racing weight. This assumption is based on a survey of competitive endurance athletes conducted by researchers at Montana State University, in which more than 75 percent of the 3,000 respondents reported that they were above the weight they considered optimal for endurance performance.

Attaining your optimal racing weight will enable you to perform better in your next Ragnar Relay or other event. For example, if your current weight is 160 pounds and your optimal racing weight is 150 pounds, you will gain roughly 6.5 percent in running economy by dropping those 10 pounds.

So how do you do it? Not by dieting. Traditional weight-loss diets don’t work for runners because they demand severe calorie restriction, which deprives the muscles of the energy they need for training. A better way to shed excess body fat as a runner is to practice these six steps:

1. Maximize your diet quality. High-quality foods such as vegetables, fruits, nuts and seeds, fish and lean meats, whole grains, and dairy tend to promote a leaner body composition. Lower-quality foods such as refined grains, fatty meats, sweets, and refined foods do the opposite. So shift the balance of foods in your diet toward higher quality.

2. Manage your appetite. Most Americans eat more than necessary to satisfy their appetite. You can reduce the amount of mindless overeating you do by paying attention to the difference between “belly hunger” (whose symptoms include a rumbling stomach and energy decline) and “head hunger” (which is simply the idea that it might be nice to eat) and eating only when you experience belly hunger.

3. Balance your energy sources. The energy sources in the diet are carbohydrate, fat, and protein. Whereas fat and protein are used structurally in the body, carbs are used almost exclusively as a short-term energy source. What this means is that the more active you are, the more carbs you need to eat. Studies have shown that runners don’t adapt as well to increases in training load when they fail to increase their carb intake commensurately. Anything that sabotages your progress in training will also stymie your weight-loss efforts, so be sure to increase your carb intake as your training load goes up. Start at a baseline of 3 grams of carbs per kilogram you weigh daily and add 1 g/kg for every 20 miles you run in a week.

4. Practice nutrient timing. Eating at the right times and not eating at the wrong times will help you shed body fat. The most important times to eat are within an hour after waking and within an hour after each workout. A study by researchers at the University of Texas found that subjects who ate a healthy snack after each workout lost significantly more body fat over the course of a month-long training program than did those who did not eat immediately after exercise.

5. Monitor your progress. In business there is an expression: “What gets measured gets managed.” The same principle applies to performance weight management. If your goal is to lose weight, you should weigh yourself often—at least once a week. Research has shown that dieters who weigh themselves more frequently tend to lose weight faster.

6. Train smart. As a performance-minded runner, you should not train for weight loss; rather, you should train for maximum fitness. Fortunately, the best way to train for maximum fitness is also the best weight to train for fat loss. Aim to run or do some other form of aerobic exercise daily or almost daily and try to spend about 80 percent of your total training time at low intensity and 20 percent at moderate and high intensity.

Yay Bikes

Ran into my neighbor while on a run yesterday and she was putting her bike on her car, so I stopped to chat and ask her about where to go to get my bike tires looked at. She recommended this place nearby called Spokes Etc.

I went there today and they were great. Turns out my tires are fine, it was just operator error (me) when trying to pump air! The guy was super nice and made a few quick adjustments and gave her the once over. He said everything looks great and no charge! He also told me about a free monthly bike maintenance workshop they offer!

Summer Funsies

My Summer is shaping up to be AWESOME!

June

  • Busch Gardens and Colonial Williamsburg
  • College Reunion Weekend

July

  • Charlotte/Raleigh for 4th of July
  • NYC Extravaganza (David Cook concert on LI, If/Then and Hedwig on Broadway*) 
  • Sprint Triathlon
  • Darius Rucker aka Hootie Concert

August

  • Beach Trip – Dewey, DE
  • My Birthday
  • Jesus Christ Superstar arena show at Verizon Center*
  • Gavin DeGraw, Matt Nathanson, and Andrew McMahon Concert

This is on top of my kickball and sand volleyball leagues.  Plus I have a few kayaking/hiking/rockclimbing trips with work in July and August! 

*Tickets for Hedwig, If/Then, and JCS have not been purchased yet. If anyone has tips on getting discounts it would be MUCH appreciated 

Money Decisions

HALP! Okay not really, but opinions wanted.

As I posted last week I’m putting my big girl panties on and taking time to look at my health care options, FSA options, retirement etc. 

I’m switching to the “health aware” plan since I only go to docs for wellness visits. I’m also not re-enrolling in my FSA account since I barely touched it and now have to spend $300 bucks on random things. 

Well my current retirement stuff is in a 403b and the like. I have 3 different things rolling and in the 2 years I’ve been hear I’ve been socking away a good bit (especially with employers contributions and cash match). 

My previous job that I was at for 4 years was part of a state pension system, but you weren’t vested until 7 years of service. So when I left 2 years ago my money is basically sitting in that retirement account doing nothing and I haven’t had the energy to think about it.

I finally got around to looking at options this week –  I can roll into a 103b type account with my current “trustee” TIAA-CREF without a tax penalty. I can also roll a % of it to TIAA-CREF without a tax penalty, but any money I would get would be taxed at 20%. I also could take it lump sum and be taxed 20%. To not talk numbers per say the money in this old retirement account is less than half of what I have in my current retirement plan. I essentially have double the money in ½ the time and it’s only growing.

I am thinking about rolling 50% of the pension money into a TIAA-CREF account and cashing out the other 50% with the tax hit in order to buy veneers. I’ve wanted veneers since FOREVER. It’s upsetting that I have all these heath care options, yet the one thing I really want to get taken care are my teeth. But since it’s cosmetic regardless of the insurance I have it won’t matter. THEN there is part of me that’s like if I’m going to get hit with the tax penalty I might as well make it worth it and take it all lump sum and get veneers, pay off a big chuck of car debt, etc. 

I really need a financial advisor, but I don’t have one. I have tumblr. So advise.

Insanity/Body Pump Hybrid

Today is day 48 of 63 for Insanity. I’m feeling good and strong. As I look at what my sprint triathlon training demands are I think it will be really manageable to train for the tri and still keep up a secondary fitness routine.

I thought about just restarting Insanity after I finish it, but my friend Evan loaned me his Body Pump DVDs and bar/weights. He had told me that there is a Beachbody Insanity/Body Pump hybrid plan. So I think that’s going to be my approach. Check it here: http://www.teambeachbody.com/home/-/dl_get_file/39029d50-1c97-41a3-b3b0-eca361a490e4