What I Learned: Getting Financing

Last year was very hectic for me. The reason for this is that in addition to working and running a few races, I was in the market for a home. There are a lot of moving pieces involved when buying a home, especially when you live in the San Francisco Bay Area, which is one of the hottest places to live (and the most expensive) in the country.

I thought I would break down my search into a few posts, starting with the beginning, which was financing. Oh the joys of getting a loan. Now, I have no idea what the right or wrong way to go about this is, but I will talk about the way that I did it, and what seemed to work for me.

First, I pulled my credit report. I have heard, and I am not sure if this is true, that it is better to pull it 6 times in one month than 6 times over the course of a year. So I pulled it, knowing that the lenders would also pull it. Luckily, it was in good shape.

The next thing I wanted was a pre-approval letter. I had no idea what I was getting myself in for, but I did know that a pre-approval letter was better than a pre-qualify. With a pre-approval, the lender gets mostly all of your paperwork and then they use that to figure out how much they will be willing to lend you. This is important for a couple of reasons. Firstly, it is hard to figure out how much you can afford. I spent a lot of time on the internet plugging in numbers, but until the lender actually used my actual hard data to get an amount, I was just guessing (with the help of Google).

The second reason that it's important is that it helps to submit the pre-approval letter with your offer. This can help convince the seller that you are serious about the offer, and it will make them more comfortable that your agreement is not going to fall through due to lack of financing. In the Bay Area, your offer will most likely not get accepted without a pre-approval letter.

To get a pre-approval letter, you have to figure out who you want to try to get a letter and/or a loan from. How do you figure this out? Good question! Once again, I turned to Google (and Zillow) to find out who could give me the best rate. In addition, I asked several people who they had used and how their experience had been. I got a lot of different answers. Zillow named two internet banks and Bank of America as having the best rates. Two of my friends used Quicken (internet bank) and Bank of America.

So, I contacted one internet bank, Bank of America (who happens to be where I have had my accounts since I was a teenager) and Citibank. What happened next was this:

The internet bank asked me to fill out a form with my financial info and send it back to them. The lady was very nice and the operation seemed legitimate. I filled out the form and sent it back and got a pre-approval letter the next day.

Bank of America connected me to Texas. I finally got routed to a local agent, who barely spoke English (sorry!) and tried to talk me into getting a 5/1 arm (adjustable rate) instead of the 30 year fixed that I asked her for. She then asked me to send in about 400 different kinds of paperwork, including all of my Bank of America  bank statements. I sent them all to her and did not hear back from her for three weeks (when I called her, her message said she was on vacation).

Citibank sent me an unprofessional email with no signature or logo that looked like a 12 year old had sent it, asking for 400 different kinds of paperwork. I told them I would feel more comfortable seeing a real person and giving my documents to them and the guy blew me off.

Since the Citibank guy seemed unprofessional, I contacted a third option, a local broker, and I sent him all my 400 different kinds of paperwork. He was very helpful and even helped me run a few different scenarios, depending on my down payment and/or desired purchase price. The guy was easy to reach on the phone and answered any (dumb) questions I had throughout the entire process.

The verdict: The amount I could qualify for was less than I wanted, since they could not count bonuses or overtime unless you could show two full years and proof that it would be ongoing. Bummer. So that meant the amount I thought I could spend was not the actual amount... in addition, I found it very strange that they ask you how much you want to spend. Can't they just crunch all the numbers and then tell you what the absolute max is?

My advice: Try a bunch of different lenders. You have no commitment to them. Once you have all of your 400 documents in pdf form, you may as well send them to as many lenders as you can!

In addition, my realtor told me a few tips. (1) the big banks (BofA etc) take forever to get you an answer, sometimes meaning you lose the house because you can't get financing in time. I know this as well because I work for a big bank and I see some of the frustration over how long thing take. (2) The internet banks will give anybody a pre-approval letter and will often give you the number YOU want, rather than what you can really afford. This causes problems later when it comes to getting the actual loan. Due to this, often times sellers will not accept offers if the letter is from an internet bank.

So, there we have it, my new understanding of financing in a nutshell.

Have you gotten a home loan? What advice or tips do you have for others regarding the situation? 

*Disclaimer: I am not a professional. Any opinions I give are my own and you should do your own research before making any rash decisions. :) 

Take the Money and Run

It's that time of year again! Money pie time! This year was fun because a coworker loved that I did this last year and decided to join in the fun. We have been presenting each other with our "pie" each quarter to see where things have gone over time. 

Here's the breakdown! But first, a couple of notes. First, I did not include any savings in this chart. I do put aside money for retirement as well as an emergency fund and a fun money fund. However, as this money is not technically an expense, it is not included. Also, I excluded my down payment, as it would have inflated the "home" category to over 90 percent. 

Home: Like last year, this includes rent and utilities but this year, as well as taxes and insurance, this category was also furnishings heavy. As I said, I did not include my down payment. However, there were still a lot of things, such as blinds, appliances and other misc items, that I will not have to buy every year, but that were a big expense this  year. I was a bit aghast at the high percentage, but if I just had rent/utilities only, it would be closer to 33%, which is about right, according to articles like this. 

Travel: I hope I never have to make this category smaller. I have mentioned this before, but I will skimp on most everything before I give this one up! As you can see I forwent shopping for travel this year. I have a great trip to Europe, as well as several other trips around the US to visit with friends, and several road trips to do active things around California. 

Transportation: This category is mostly commuting, but I also rent a car approximately one weekend per month in order to visit family or friends or to go to a running event. I did not try to separate the costs for running related things into the entertainment category, as they are often all intertwined. 

Groceries/Eating Out: Funny that these are almost the same! I probably only eat out about once a month, so this shows that when I do eat out, it is a major event! Eating out also includes coffee shops and beer, which is probably the majority of my expense in that category! I also put all Costco trips in the grocery category, even though there were some other odds and ends in the basket usually.

Misc: This includes haircuts, gifts and donations, credit card fees.. things like that. The bulk of it is gifts and donations. I think I got my hair cut twice last year!

Health: This includes pre-tax deductions and any copay or charge for contact lenses etc.

Entertainment: This includes movies, baseball games, and running related (or other hobbies) expenses. Truly this year I did not spend a lot on running gear, only race fees. Also, like I said before, my transportation to running events was either carpooling or it went into the transportation or travel category. It may be better to try to separate those out this year to get a more accurate idea of where the money is going.

Shopping: If it's not food, I don't buy it! This category included clothing, toiletries and items from Target that were not home or running related. I literally bought maybe 4 (Banana Republic) shirts for myself this year from a thrift store, and that was about it! k

So, what did I learn from this? I am pretty happy about where I spent my money in 2015. If needed, I could definitely spend less on travel. Currently it is not necessary, but it would have to be the first thing to get a haircut if I needed some extra money. As you can see, I don't really spend a lot on unnecessary things, except for travel. I am also happy about how much I am putting aside and am trying to increase my savings amounts if I get a raise this year, instead of just spending more.

What is the biggest piece of your spending pie? Do you keep track of where your money goes? What are your financial goals this year? 

Looking Back: December

December was packed full of fun and family and food! I am sad to see it go, while at the same time am looking forward to starting a new year full of fresh new things! I am going to keep this one short, as I mostly already talked about a lot of these same things in my Best Of posts.

Running: I picked things up at the end of the month and managed to run 142 miles in December. In addition, I had 4 strength training sessions, 15 miles of biking and 6 miles of hiking. All in all, I would call it a success, as my total "activities" equaled 40. My goal for the month was 30, but the fact that I ride to AND from work, equaling 2 activities per day, really upped the numbers more than I thought it would.

Reading: In December I read 5 books; my favorites were:

The Beekeeper's Apprentice: A fun play on Sherlock Holmes with a new assistant, teenager Mary Russel. Its fun to see them solve mysteries and to see the inner workings of Holmes' mind through Mary's eyes.

The Architect's Apprentice: Set in late 1500s in Istanbul, this is an interesting glance at life in those times. We get to meet a white elephant, the sultan, his architect and the 4 apprentices and to learn their stories.

 Inside the O'Briens: Another good book by Lisa Genova (Still Alice) which goes into the heartache that comes to families along with Huntington Disease. Like Still Alice, I couldn't put it down.

Travel: December was mostly filled with holiday travel, and I got to see many old friends and family and to meet many new family members as well!

What was December like for you? What are you reading right now? 

Best of 2015: Running

Ten years ago, in 2006 (*whoa! ten years!), I said to myself, "self, you need to get your butt in gear" and I signed up for the Bridge to Bridge Race in San Francisco. It was a 7k and I finished in 43 minutes, which is just under a 10 minute mile. Before signing up for this race, I was a lackadaisical runner. I would run three or four miles once or twice a week if I was having a good week. I think my longest run at the time was about 6 miles. But I got it in my head that I was going to run the Mardi Gras half marathon in New Orleans, which is in February, and this was step number one.

Fast forward to almost ten years later and my "self" of those days would never fathom where my running journey would take me. This year, I ran about 1,800 miles, which is not the most number of miles that I have ever run in one year. I also had some struggles with motivation and I had my first DNF which probably was part of the problem. I had a couple of injuries. I would not say it was my most productive running year. However, I feel that this year was more about quality over quantity. So, without further ado, the best of 2015 running.

1. Going to Yosemite: In May I went with my family to Yosemite Valley and in August, I went with some friends to the Tioga Pass area. Both times I had a great time running around, seeing things from a perspective that not a lot of people get to see Yosemite from, and enjoying the fresh air and the outdoors. I love the Sierra Nevada mountains and hope to plan many more trips into their midst in the coming years!

Cathedral Lakes (photo credit: John)

Half Dome (photo credit: Dad)

2. Winning top female in my age group for the Pacific branch of the USATF: This was unexpected actually, as I don't really keep track of the standings, plus they are a bit confusing to interpret at times. However, right before the last race of the season, my friend told me that I was currently second and that all I had to do was beat the first place girl at this race. I spent the whole race checking to see where she was and to make sure that she did not get in front of me. In the end, it was just enough to secure first place in my age!

John Muir Trail (photo credit: John)

3. New friends and good friends: I say this every year, but there is just something about endless hours of running with someone that really cements a friendship. You see the good, the bad and the ugly and usually you still stick around. I still run a lot by myself, but have been lucky to meet a lot of new friends as well as firm up relationships with a lot of existing friends. I love it when time spent together with friends can be outdoors instead of at a bar or something!

Pacing at San Diego 100M (photo credit: Chris J.)

4. Pacing: This goes hand in hand with number three, but there is something so satisfying with pacing someone! They are doing their best and they have a goal and they are tired and it's the middle of the night and it's cold... I never have anything to do with their success, but it sure is a great feeling to be part of it! This year, I paced a friend who ended up getting 10th overall, another who got 2nd overall, and one unofficial pace with a friend who finished UTMB. I also helped crew for a couple of friends and it is also very inspiring. I am so proud of all of them and so honored that they chose me to be there with them for their big day.

Multnomah Falls, OR

5. Road Trips! This was a favorite last year as well. So much so, that we added flights to our "road" trips! I spent many hours in the car this year, on the way to Auburn, Squaw, South Lake Tahoe, San Jose, Marin county, Sonoma county, Yosemite and more! In addition, I flew with friends to Portland OR for the Gorge Waterfall 100k, and I went to San Diego to pace a friend at the SD100. All were fun times and it's good to get out and see more of my state as well as to explore other states in the name of running (**and beer).

Taylorsville, CA (photo credit: Mom)

6. Dad's first half marathon: This goes hand in hand with number 4, but I thought it deserved a spot of it's own. My dad ran his first half marathon this year and I could not be more proud! He did excellent, scoring first in his age group and 7th overall! I "paced" him, if you could call it that, because I could barely keep up with him! He ran at just over an 8 minute mile pace!

So there you have it. This year of running has been more of an emotional one, in both good ways and bad. I wasn't the fastest; I did not run the most miles, but I had a lot of fun. I also know that the good definitely outweighs any bad, no matter what! Here's to a great 2016 full of running and friends and road trips!

What were your favorite active moments of 2015? What's on your fitness agenda for 2016? 

Look Back: Goals 2015

I just realized that I never did a goals post for 2015. However, that does not mean I did not have them. So, retroactively, I am going to do a quick rundown of how I did on my 2015 goals.

Read 52 books: Completed. Actually I read 77 books. I am not really sure how, except for the fact that I did not run as much as I have in past years. I also traveled a bit, which usually equates to more reading. 

Run a hundred mile race: Did Not Complete. I signed up for one; I trained for one; I was at the starting line that day. However, due to an untimely injury, I did not finish. This was very hard for me; not only was I disappointed in myself, but I had a lot of people who were there for me, who traveled a far distance, who supported me, and I feel like I let them down as well. However, it's something I know that I cannot change, so I am moving on! 

Increase my value add at work: Completed. I have learned so much this year at work and it's been not only a fun journey but an interesting one. Each day I find out something that I didn't know the day before. I love that and it's what keeps me coming to work each day with a smile on my face, looking forward to each day. In addition, this new knowledge has made me a good resource for others on the team, and that is a feeling you can't replicate.  Everyone has their strengths and I am so glad that this job has allowed me to show and to hone some of mine. 

Buy a house: Completed. Early in the year, I began my search for a home. As simple as this seems, this was not an easy goal to achieve! The prices in the Bay Area are ridiculous; people were bidding sometimes 30 - 40% over the asking price. I spent A LOT of time on Redfin, riding my bike to open houses, talking to my realtor and putting in bids that never got accepted. Luckily in May, my offer was accepted and now I am the proud owner of my own little piece of the American Dream. 

Ride my bike to work at least one day a week: Completed (I started this goal after I moved (May), and my total rides were 101, with a total mileage of about 200 miles). This one is a bit hard because unfortunately I cannot ride all the way to work because there is a huge body of water in the way. However, I have been riding approximately 3 - 4 times a week to the train station, where I catch the morning train. It has been great to be out in the neighborhood and get a bit of fresh air and exercise, plus its way faster than taking the bus! Also, as an added bonus, I ran a trail race after practically no running training, but I think due to the biking, I ran faster than I thought I would! 

Yearly Purge: Partially Completed. This one is a hard one to quantify. I purged in January, then I bought a house, then I went and got all my stuff out of storage that had been sitting there for 10 years. My goal was to NOT accumulate a bunch of crap, which I did a pretty good job of (aka, did not BUY a bunch of crap). However, I also wanted to get rid of a bunch of stuff, which I did. HOWEVER, I still have a long way to go. I call this one half done. 

Several Running Goals: Run more miles than last year. Did Not Complete.  Get a 100k PR. Completed. Get a 50M PR. Not Completed/Completed (I usually go by race, not by distance and I beat my time on one 50M and did not beat it on another...)

All in all I am very happy with the way my goals went even though I did not complete them all. I think the fear of not completing goals is often what holds people back from trying to push themselves, and I am a firm believer that it's better to try to push and to fail than to not try at all! 

What were you goals for last year? Did you accomplish what you set out to do? 

Best of 2015: Books

Goodreads has the following ratings: 1 star = did not like it, 2 stars = it was okay, 3 stars = liked it, 4 stars = really liked it, 5 stars = it was amazing. This year I read 77 books and only gave four of them 5 stars. Those four were:

Still Alice by Lisa Genova: This was a heartbreaking story about a woman who gets early onset Alzheimer. She is a brilliant Harvard professor and it is really hard to read about her experience as she struggles to deal with day to day life and to come to terms with her disease. I could not put the book down even though I really did not want to get to the end.

A Long Walk to Water by Linda Sue Park: A true story about two different children in the Sudan. One is a girl who has to walk all day every day to go and get water and bring it back to her home. The other is a boy who gets separated from his family by war and ends up in s a surprising place in the end.

All the Light We Cannot See by Anthony Doerr: I am a sucker for a book about WWII and this one was no exception! This was a story about a blind French girl and a German radio operator who we follow along each of their own paths in the war until they finally meet in the French village of Saint Malo. The writer does a great job of keeping you entertained while giving us a bit of WWII history at the same time.

The Nightingale by Kristen Hannah: Yet another WWII book, this one is also set in German occupied France and it gives us a bit of insight into the role that women had in the war and as part of the Resistance.

There were also several which I gave 4 stars to. Of those, these were my favorites:

The Martian by Andy Weir: A story about a man accidentally stranded on Mars and his attempt at survival and his hope for rescue.

This is the Story of a Happy Marriage by Ann Patchett: A bunch of short stories about writing, life, love and friendship. She has a quick wit and a way of writing that I really enjoyed.

Code Name Verity by Elizabeth Wein: Another WWII book! This one is about an English girl who gets captured by the Germans and the story takes place while she is being interrogated by them. She gives them as little information as possible, but in the end, she does give them information.

Wonder by R.J. Palacio: The story of a kid born with a facial abnormality and his struggles to fit into "real life". You can't help but love him and you want to protect him from the outside world.

11/22/63 by Stephen King: The story of a man who goes back in time in order to prevent the assassination of President Kennedy. However, no action is without consequence. The only complaint I had about this book is that it was very long! It was almost 900 pages. Otherwise it was a hit.

The Rosie Project by Graeme Simsion: The story of an autistic man and his quest for a girlfriend. Being a man of lists, he creates one to guide him on his quest.

What were your favorite books in 2015? 

Ho Ho Holiday!

I hope that everyone is having a wonderful week! Today after I get off work, I will drive up to the (snowy!) mountains where my parents live, where I will don flannel and wool and will spend time eating and reading and kicking butt in Rummikub (hopefully). This year my brother is not going to make it, but it will be nice to see my parents and my aunt and her family and to partake in the annual traditions.

The other thing I always love is getting together for the annual day after Christmas breakfast. It has been a tradition that my high school friends and I have had for probably about 10 years, if not more. Most years, most of us make it and a lot of the time the Moms and sometimes even my Dad, some brothers or even a boyfriend or two straggle in as well. It's always great to catch up with the girls and to see the kids get older and older. Last year I missed it since Christmas was on a Wednesday and I had to work, so this year I am looking forward to it twice as much!

I hope that everyone out there has a great weekend and a joyous holiday!

What are your plans for the next few days? Do you have any annual traditions? 

Best of 2015: Travel

It's my favorite time of year again! It's time for the Best of 2015! First, I am going to start with one of my favorites, in fact you may even call it the best of the "Best of": travel.

It's always hard to decide where the best travel places were each year! This year I was lucky to go to several new places as well as a couple of "tried and trues". However, even in the familiar places, sometimes there was a bit of a twist!

Mt. Baker, WA

Portland, OR

Tetons, WY

Rocky Mountain, CO

Home Sweet Home, CA

Half Dome / Yosemite -- May

Sisters Wilderness, OR

Tahoe Rim Trail, NV

Antelope Lake, CA

John Muir Trail / Yosemite - August

TMB, Chamonix, France 

NYC - View from Tribeca

As you can see, much of my travels this year involved the outdoors! This year while traveling, I tried snowshoeing for the first time, I tasted at least 28 different kinds of new beers (that is just a guess), I made a lot of new friends and cemented a lot of old friendships.

This year, I got to see parts of Yosemite I had never seen before, I revisited a couple of states that I haven't seen much of (CO, WY), I revisited a couple of states that I know and love (OR, WA, NY) and I added one new state (Idaho) to my "states I've visited" list.

I had a fabulous 2 weeks in the Alps of France, Switzerland and Italy where I hiked every day, ate way too many baguettes and cheese, drank too much wine and took a lot of photos of the same mountain from all different angles.

I feel so lucky that I have the means to travel and that my health is good. I am also lucky that I have a family that instilled the love of adventure, travel and the outdoors in me!  I try my hardest not to take things like that for granted. I don't know who I would be without some of the places that I have been. All in all, I would call this a successful year of travel and I can't wait to see what 2016 has in store for me!

What journey did you take in 2015? What was your favorite destination this year? 

A Bit of Color

In my industry, when we are looking for information, we ask for "color", as in, "can I get some color on that sale at Nordstrom?" And the person would say, "it's tomorrow from 8 - 5." 

Here's a "bit of color" about me: 

I am reading two books (one for the bus on my Kindle, one hardback for home) and they are The Architects Apprentice and The Beekeepers Apprentice. It's a coincidence that both of them have the word Apprentice in them!! Both are good so far! The Architect is about Istanbul in the 1500s; the Beekeeper is about Sherlock Holmes. I hope to finish both by the end of the year, which will bring my total books read this year to 77 books. 

I am looking forward to this weekend, when we will have our group holiday dinner for work, next week, which is a short week where I will go and visit family and friends, and a good night's sleep, which I may not get for another week or so, but whenever I get it, it will be great. 

I am eating a lot of "comfort" foods lately. Soups, stews and desserts have been on the menu a lot lately, and I need to get back into the habit of eating more healthy. 

I am planning my running schedule for next year with hopefully a couple of vacation trips sprinkled in. It's hard to plan around 5 other people's schedules (only one of us can have a day off at a time at work), summer plans, family things and races!!! I know, it's a hard problem to have... 

I am putting off buying the last of my gifts. I have to buy a gift for a coworker's wife for our holiday party and I don't really know her well and I have no idea what to get her! 

What are you reading? What should I get my coworker's wife? 

A Need to Buck Up

This year has been a strange one for me. I would say I have been "busy" but I don't know if I have been any busier than I was last year, or the year before that. There is always something on the To Do list; there is always something to fill the time. (See this post from 2013 where I was having similar "issues").

However, for some reason, this year, I have felt more of a change in my mindset, or my motivation. Or maybe I have just shifted my priorities. I am not really sure what the catalyst was or where the mood started to shift, but this year, I feel like I have been slacking in a few of my normal, pleasurable departments.

I used to talk a lot about running on this space. In 2012, I think I ran almost 40 races, including 12 half marathons and 2 marathons and my first ultra. In 2013, I traveled to Boston, Washington DC and BC for races and I ran my first 50 miler. In 2014, I ran 10 races over 50k. This year, I started off great. I wanted to run my first 100 mile race. I was training in January and I felt strong. I was running up hills with gusto. Then I fell one day and sprained my ankle pretty badly and my training went downhill and my fitness started to decline. Of course, I still had races on the calendar, because a lot of the races you have to sign up for really early.

The first race was Jed Smith, which is a loop course. I ran it about 45 minutes slower than I had the year before. My ego took a dive. The next one was the Gorges 100k in Portland in March. I had not trained enough as my ankle was just beginning to feel better, and this one was not as fast as I would have liked either. Next up was Lake Sonoma 50M, where I did not do as well as I wanted but I actually did better than I thought I would. The weekend after that I had a road race, which hurt me more than all of the other races combined (I was sore for days!).

I had a few week gap, where I ran intermittently, and then came the big one, Quicksilver 100k, where I did much better than I thought I would and was actually very happy with my time. The "training" by way of racing actually worked this time. But I had signed up for another race the next weekend and this one was my nemesis. It's called the Silverstate 50M and it's near Reno and it's got a couple of huge climbs and it's at about 7000 - 8000 ft. Last year I ran it while injured and it was horrible. I got the worst time I have ever gotten and the last climb was torture. This year I actually felt pretty good for the first 40 miles, but then for the last 10 I felt nauseated and tired. I crossed the finish line and had to go and sit by myself in the porta-potty just in case I was going to lose my lunch.

In the weeks after that, I had no energy. BUT, what I haven't said is this. There is another component to the story. In February, I started house shopping. Every week I scoured the internet. Every weekend I went to open houses. Every couple of weeks, I put in offers that got turned down. Finally, in April, my offer got accepted and thus started the downhill slide into home ownership. My escrow was 21 days and it closed on May 19th, three days after Silverstate. So I was physically and mentally tired.

The trifecta of this story is that work also ramped up at this point in a major way. My duties and responsibilities were doubling and tripling. I am not complaining, but I am just saying that when I got home after work, the last thing I wanted to do was run. I wanted to sleep. I did not sleep. I pulled weeds and moved furniture. I made many trips to Home Depot and Target. I paid bills and sorted files and went through all my old clothes. But I barely ran.

Fast forward to now. Today my average miles per week are about 30, if I am lucky. I am snacking more than I would like. My pants are starting to get a bit snug. The only thing saving me is my daily commute to work. But who am I kidding; the commute is not saving me, it's only prolonging the inevitable. So I need to buck up and get back on the horse and stop making excuses.

But I don't want to. I would rather bake a cake (and eat half of it in one sitting while watching Top Chef and making excuses).

How do you get out of a slump? 

Looking Back: November

November was one of those months where you feel kind of relaxed and you think you have plenty of time until Christmas and then all of a sudden, you get a slap in the face because it's already Thanksgiving and the advent calendars are about to come out. This November I even scheduled a couple of "free" days in order to get some of my December errands done early, but they quickly became "non-free days" or at the very least "not as productive as I wanted them to be" days.

Running: This month I did have a couple of long weekend runs (20 + 20 + 18 miles respectively). That coupled with a race gave me a grand total for the month of 126 miles. Aside from a run or two on the weekends, I have not been doing a lot of weekly workouts. However, I did rack up 20 miles of hiking, 18 miles of cycling and 3 strength training sessions. My goal for December is to do at least 2 strength training sessions per week.

Reading: I only read 4 books in November, which on one hand is a bit surprising since I did travel for work. However, on the other hand, when traveling on the plane I watched movies instead of reading (The Theory of Everything, The Imitation Game). Also, one of the books I read was 849 pages long and it took me a while to finish! The four books were:

A Spool of Blue Thread (3 stars)
Into Thin Air (4 stars)
11/22/63 (4 stars)
A Tale For The Time Being (3 stars)

Travel: November was (mostly) a month of  doing things around my local area. I spent a couple of weekends going over to Marin to run on the Dipsea trail, I had my Dad visit and we worked on some things around the house, I had people over for dinner, and I met up with friends for hikes. In addition, I hosted 17 people for Thanksgiving at my house, which went over pretty well in my opinion!

I did travel for work to New York, and I spent a fun time with old friends in Brooklyn and Queens before heading over to Manhattan for two days in the office there. My favorite thing to do in the city is to eat and I did plenty of that! I had great Haitian meat pies in Brooklyn and Russian food in Queens, and then in Manhattan went to two great restaurants: Deux Amis and NoMad.

I am looking forward to January when it will be a bit more relaxed and I can finally do that project in the yard that I have been meaning to do for the last 6 months (wow, has it really been 6 months already?). Until then, there will be a barrage of Christmas parties (I have 3 in the next week alone!) and a bit of shopping and cookie making and eating and visiting and hosting. And eating.

How did November go for you? What is your favorite Christmas cookie (to make or to eat)? How many Holiday parties will you be attending this year? 

Be It Ever So Humble: Closet Makeover

It was very common back in the day for houses to not have closets. Don't quote me on this, but my understanding is that it had something to do with getting taxed for each "room", and closets were counted as rooms. Therefore, many older houses are closet-less. 

My house was built in 1924. I  have friends with similarly aged homes which have teeny tiny closets, which I have heard came from the fact that homes were taxed per square foot (and why waste it on closet space). Luckily, my closets are not too tiny and I even have a bonus hole in my hallway. However, there is not a lot of shelving in any of them.

The other day my Dad calls me up and says that he would like to come down and fix something in my house. Fortunately, I do have a self imposed Honey Do list. However, most of the things on it are pretty easy things I can do myself (not that I always want to, but I CAN). Luckily, I can think quickly on my feet, and when he requested a project AND a drawing, I quickly got to work. Here is what I came up with. 

Bedroom Closet Plan

Hall Closet Plan

Aren't my drawing skills fabulous? NOT. For the bedroom closet, I wanted a few shelves to put shoes or clothes on, as well as a rod to hang things. For the hall closet, I wanted some shelves and also a space for the broom/mop and a space to hang people's coats when they came to visit. 

So Dad came down and got to work. Here are the before and after shots. 

Bedroom Closet: The day I moved in

Bedroom Closet : Before

Bedroom Closet : After

Don't judge me. I have a lot of shoes. 

Hall Closet : Before

Hall Closet : After

I still need to paint the shelves in the bedroom closet and to figure out how I want to organize everything, which will involve a bit of shifting and time to see if things are working the way I want them to. However, overall I am quite pleased with the way everything turned out! 

Do you have enough closet space? If you could have a closet makeover, what would you change/add? 

Be It Ever So Humble: Getting Robbed

Don't freak out; this post is NOT about what you think it is.

I decided that I would post from time to time about the joys of being a homeowner. I am sure that many of you have similar stories and I would like to know how things are in your neck of the woods. Are they the same as mine? For instance, do YOU have a nosy/creepy/annoying neighbor? A loud xyz near your house? An animal that poops in your flower bed or eats your homegrown veggies? What woes do you have in your neighborhood?

My first woe is this: Alarm Systems.

When I first moved in, the "curtain twitcher" (my nosy friendly neighbor across the way) came over to introduce herself (at 8:30 p.m. and mind  you, I normally go to bed around 8:30) and to talk about the neighborhood and the goings on and the other people on our block etc. Apparently the guy behind me "might" be a drug dealer, the people at the end never leave their house and the people across the street rented to someone because they moved to Paris for work (but that is the only non-owner occupied home on the block). I learned all of this (and more!) in about 26 minutes, as the clock was slowly ticking toward 9:00.

The other thing she told me, which was interesting but not great, is that since we live on a street that is very easily accessible from the freeway (great for commuting!) sometimes thieves will get off the freeway, kick in your door, steal your TV and get right back on the freeway in a matter of minutes. Now, I am not super attached to my TV, but I am pretty attached to my life, so I decided to get an alarm system.

First of all, getting an alarm system is a pain in the butt. It's worse than getting cable. First, you sign your life away by paying up front for the install/equipment and the first month. Next, some creepy guy comes to your house and tries to suggestive sell you on $9,000 worth of equipment, which by the way, will ONLY cost you an additional $900 in install/equipment fees and another $50 per month on top of the original $40 per month you already agreed to pay. Of course, in his spiel, your area is VERY dangerous and it's IMPERATIVE that ALL windows, doors, peepholes, cracks and crevices be set up with an alarm and preferably a camera and a direct line to the CIA.

So I get the standard, the one that I ALREADY paid for and I kick the creepy guy out. Now, one of the things you also have to get, which creepy guy pretty much brushes over the details of, is a permit with the city or county. This is like a registration with the local police. However, creepy guy did mention that they would take care of it for me. I thought this was great until I got a bill in the mail from them, asking me to reimburse them for taking care of it for me.

Fast forward to three months later when I am riding my bike to work and my phone rings. I ignore it because who the heck is calling me from a 1-800 number at five in the morning; I figure it must be an east coast telemarketer. Turns out it was the alarm company, calling me because the alarm went off for no reason. The police were dispatched and they did not find any signs of a break-in. I was happy to hear that, and I thought that was the end of that. Until I received a bill last week in the mail for $84 for a "false alarm". I thought, "No problem. I have a permit. I will call them and tell them there has been a mistake".

Not so fast, little girl. I looked it up and here are the details.

General False Alarm: With permit = $84, Without permit = $154
Robbery False Alarm: With permit = $156, Without permit = $226
Genuine: With permit = Free(!), Without permit = $70

So, the only way to save money is if your alarm is genuine, aka you get robbed by a burglar. Otherwise, instead of getting robbed by a burglar, you get robbed by the city instead.

Do you have a home security system? What are the rules in your area? If you don't have an alarm, what frustrates you about one of the rules of YOUR neighborhood? 

Looking Back: October

Another October is in the books! Finally, a month with a good mix of friends, family, work, running and getting things knocked off my To Do List (which is no mean feat). I had a couple of weekends at home, which, although they weren't "quiet", did give me a chance to get some things done that I have been wanting to do for a long time (like planting that darn orange tree in the back yard)!

Running: Finally I picked up my mileage a bit, mostly because I ran the Dick Collins 50M early in the month, but also because I am trying to get back out there little by little. Running mileage was 126 miles, which I have to say I am pretty darn happy with! I also put 36 miles on the bike, hiked 14 miles and did 6 HIIT/strength/core workouts. I mentioned in the race recap that I thought the strength workouts were helping my running and I plan to keep doing them at least a couple of times each week to see if it works out better for training. Something has to give; I am still having back pain and that plus my lack of motivation have led to a lot less running that normal. However, if I can find a substitute for one or two days of running per week and it works out, this may be the solution.

Reading: I am not super excited about any of the books I read in October. I ended up reading 5 books total and they were all just "okay". They were:

Heroes Are My Weakness (2 stars)
Life After Life (3 stars)
What Alice Forgot (3 stars)
The Dinner (3 stars)
Dietland (3 stars)

Travel: I didn't stray too far away from home in October, but I did have a nice trip home to see my parents, where we went on a couple of nice hikes, spent some time with my grandma and ate the last of the fresh tomatoes. I also went to my cousin's wedding which was at a nice vineyard about an hour and a half from my house. The setting was beautiful and it was great to see family that I hadn't seen in a while and to get a bit gussied up and to dance my booty off (I did not count that as one of the strength workouts, but it WAS a workout)!

November is shaping up to be another fun (filled!) month, with a couple of visits from friends and family, some big house projects, some running events, hosting Thanksgiving at my house and a trip for work to NYC!

How was October for you? Did you go trick-or-treating or did you hand out candy? Do you know of any good strength workouts I should try? 

Dick Collins 50M

Wow! It's been a long time since I have done a race recap.

In 2013, Dick Collins was my first 50 mile trail race. I had no idea how to pace myself. I just said that I was going to "walk every hill". I finished just under 10 hours and I was very proud of that time. Last year, I was in pretty good shape and I ran it again, knocking about a half an hour off my time, and finishing in 9:29. This year, I was not in pretty good shape. I had been running about 15 - 30 miles a week and doing 1 or 2 days of HIIT training. I was not watching what I ate and I had been spending long hours at work and getting not enough sleep every day.

My expectations of myself were pretty low. I just wanted to get under 11 hours, which would mean basically I could run a minute and a half per mile slower (or walk more) than last year and I would still be okay. There was a friend of mine who ran last year and we ended up finishing together (hand in hand across the finish line!) and he was also running this year and I thought my A goal would be to just keep up with him.

The race starts off in the dark, along a paved path that goes partially around Lake Chabot. I ran along and talked to some friends, but soon I felt that need to pass people (I always get antsy at the start) and so I said goodbye to them and took off. Luckily this part of the race was on a fire trail so it was no pressure to pass or be passed, like it would on a single track. I ended up running with a lady who was running her first 50 mile race and she was doing a great job. We ran together for several miles before she peeled off to visit the bushes and I pressed on.

Luckily, the weather was cooperating. It was about 50 degrees and it was a bit foggy, which was perfect running weather. Like all trail races, this one has a lot of ups and downs (almost 9,000 ft total), but there is also a lot of trail that is runnable. For about 10 miles it was a slight downhill or a flattish area and I was running under a 10 minute pace. Around mile 15, I hit the Skyline Gate, which is where I often end up when I run from my house. In my mind for a second I thought how easy it would be to just run down the hill to my house from here. But no, I grabbed some watermelon, used the facilities and pressed on. From here on out, there is a lot of single trail. As I started out, there were two people just keeping pace with me. One was a girl, who when I came up behind her, happily pulled over to let me pass. In my mind, even though I did not think this was going to be a great race for me, I still wanted to pass that girl.

As the race went on, the girl and I were neck and neck. We would swap places on the ups or the downs (she was faster on the ups; I was faster on the downs) and we would sometimes both roll into an aid station around the same time and one of us would get through faster, but we were right next to each other most of the time. But we did not speak; we just kept leap frogging. Then came the long downhill to the turnaround. Since I had been faster at the downs, I got a bit of a lead on her at this point. I came into the 25 mile turnaround, grabbed a grilled cheese (still my favorite ultra food) and headed back out without slowing. She came in about 45 seconds behind me.

The next 4 miles was a steady uphill climb. I was about halfway through the climb when the girl caught up to me and I jokingly said, "darn it!" to her. We continued on together after that, talking and enjoying the company, and griping over our aches and pains for the day. I was feeling better than expected, but my back was hurting me and my knee was giving me a twinge now and then. After the long climb up, there was a pretty steep road down to the aid station and then a pretty steep downhill single trail, where my knee really started acting up. I actually had to walk down the hills in some places.

Soon we were back to Skyline gate, which meant we had about 15 miles left. The girl and I ran together for some parts and did our own thing for others. However, we were pretty much within sight of each other the entire time. Then we came to the last 5 miles. She pulled ahead of me, but I could still see her there, my carrot on a stick. The final 2 miles are paved and I could still see her, and I gave it my all, ramping up to under a 9 minute pace. My feet were hurting; my quads were burning; my back and knee were telling me to hurry up and get to the finish so we can rest!

I made it to the finish just behind the girl. I went up to her and thanked her for being my carrot and she told me that I had been her carrot in the beginning and she would not have run as fast if I had not been there. She ended up getting first in our age group and I ended up with 2nd, which I was happy with because I ended up being much faster than I had anticipated!

Final time: 9:31
Age: 2nd
Gender: 8 / 60 finishers (+22 DNFs)
Overall: 36 / 185 finishers (+69 DNFs)

Overall, I would say that I was very happy with my results. In fact, I may try to change up my training plan going forward so that it is more strength and cross training (cycling mostly) and less miles, since it surprisingly seemed to work.

Have you ever done better than expected at something even though you did not prepare as well as you would have liked? What is your "carrot" when you are going for a particular goal? 

It's a Wild Ride

It's 4:49 a.m. My alarm goes off and I hop off of the couch, where I have been sitting and reading. I wash my breakfast dishes, grab my lunch and use the bathroom one last time and then I put on my helmet and grab my bike and my backpack and walk out the door.

It's about 2 miles from my house to the train station. Luckily, in the morning, it's mostly downhill. I put on my bike light, hike up one leg of my pants and start pedaling. You never know what you are going to see on the streets of Oakland at 5 a.m. There are not too many cars, which is good because that means I can buzz through most of the intersections without slowing down too much. There are sometimes people, but they are mostly like me, heading to work in the dark of the night.

Except for one corner which is near the train station. This corner is a bit different that the others. Women hang around in short skirts; men in trucks slow to a crawl as they pass. It's usually pretty quiet though; I pedal through with no problems.

I reach the train station in about 7 minutes. I constantly try to break the 7 minute time and have only done it once. It all depends on how I hit the traffic lights and how many cars there are that I have to avoid. I get there around 5:07, lock up my bike and hop on the train to work.

In the afternoon, the same journey takes about 12 minutes. From the station, I have to ride uphill and generally its around 4 or 5 pm. I have to stop at every intersection, sometimes for 2 or 3 minutes. There are cars to avoid, as well as people, broken glass, a lone shoe and a condom. It's hot and the traffic is busy and I swerve around old ladies and kids on skateboards. It's a whole different world. I can see everything.

I get home, hop off my bike and push it into my living room, where it lives. I do everything in reverse: walk in the door, backpack off, helmet off, put my lunch in the sink and use the bathroom one more time.

Note: I have been commuting by bike to the train station for a few months now and am really loving the view I am getting of the world this way. Plus a little extra exercise using different muscles never hurts!

How do you get to work? Do you ever walk or ride a bike? What interesting things have you seen while cycling? 

Looking Back: September

September! Back to school days and leaf raking days; new pencils and old friend days; putting on pants and jelly making days. Early sunset nights and late sunrise days. Soup days and boot days. Crisp air and fog days.... What does September mean to you?

Running: I clocked just over 100 miles this month, which is better than last month! However, I did not get the same amount of hiking in, so the total "time on feet" was less. Instead, I have been focusing more on my strength training, and am doing a twice a week strength training regime rather than so much running. This month's totals were 45 miles of hiking, 53 miles of biking and 9 strength training sessions.

Reading: This was a good reading month quantity-wise, but only so/so quality-wise. I ended up reading 9 books and two half books (couldn't finish/had to put down)! My favorites were these four:

Farewell to the East End: The Last Days of the East End Midwives
Americanah
Station Eleven
This is the Story of a Happy Marriage

Travel: My vacation spanned two separate months, so September marked the end of my trip to Europe. The first week of the month included a relaxing soak in a thermal bath, some hiking in the Alps of Switzerland, more cheese and bread and wine, and a trip to see a very old friend of mine, who had been an exchange student in my tiny high school when I was growing up. She lives near Geneva and so I not only got to see her house and to meet her husband and children, but I also traveled with her to her parents house in the mountains, where I got to meet the whole family, hike in the snow and drink Schnapps. It was a fun time all around!

Swiss cows are friendly!

After I returned, I spent a bit of Hobbit time doing things around the house, visiting local friends, going out for drinks with the work mates, cooking, shopping and eating and generally just catching up on life. I still have a mountain of items on my To Do list, but I am checking them off little by little! Unfortunately, new ones keep popping up!

And....Beer: New category! You know how you try things, such as beer, or wine or a new recipe, and then when you go to get another or make another, you can't remember the name or the website? Well, to prevent that, I am trying to remember to log things better and to write them down. So, the new beer I tried in September that I liked was: Fieldwork's Torrential Double IPA (website here).

What do you have on your To Do List? What new beer have you tried lately? What happened in your September worth mentioning? 

Looking Back: August

From here on out, this space will be called the "looking back" space. Before I go on, I am looking forward to Fall! Okay, now I am not just all about looking back. August is always a busy month: Last year I studied for and passed a licensing exam, took a vacation and still managed to run 189 miles (phew). This year was a lot less study, but was still packed solid every weekend of the month!

Running: For the first time in a long time, in August I dropped below 100 miles. My heart (brain/legs, etc) is just is not in it. My total for the month was about 85 miles of running. However, I am still loving the outdoors! August also brought 40 miles of cycling, 109 miles of hiking, 21 miles of walking, 1 open water swim, 1 kayak trip and 1 hour of strength training. All in all, this equals about 256 miles of "activity." I will take what I can get!

Reading: I read 4 books, and none of them really knocked my socks off.... The best two were probably The Boston Girl by Anita Diamant and Everything I Never Told You by Celeste Ng.

Travel: Not a lot of running; not a lot of reading...but there was a lot of travel. There were 5 weekends in August and I spent them in 5 different places: Yosemite, Humboldt County (redwoods), Taylorsville (Dad's first half marathon), Milan and Chamonix (UTMB). Due to all of this, I have added a new category, which I will move on to now...

Family, Friends and Food: August really is "family, friends and food" month. The first weekend was a great trip to the lesser known regions of Yosemite park, aka, not the valley, where I spent some time camping and running with friends. The next weekend was another camping trip, but this time it was in the opposite direction, north along the coast, into the redwoods. It was great hanging out with the "in-laws" and my brother while swimming, playing catchphrase and drinking plenty of cold beer.

View of Half Dome from North Dome

The next weekend was ANOTHER camping trip, this time with the whole fam damily, and when I say whole, I mean three (or four?) generations of crazy, dirty, active, fun and loud family members. It was a side of the family that I don't see as often, and it was a lot of fun! My dad ran his first half marathon and kicked some major butt in the process (first in his age group and 7th overall)!!

Dad after his "Running of the Bears" win

After that, it was off to Europe for my annual vacation, where I ate baguettes and cheese, drank wine, hiked in the Alps, cheered on my friend at UTMB and in general had a lot of fun and time exploring the outdoors. I tired myself out so much, that I never even had time to read the 10 books (or even 4!) that I brought with me on my Kindle. Every night was a good night's sleep and I woke up each day ready for another adventure. Now I am busy resting from my vacation....just kidding! It's been straight back to the old grind with no easing in!

So...how was your August? What annual summer traditions do you have? Are you ready for Fall yet? 

TGIT

There is nothing special about today, but I thought I would do a midweek TGIF regarding the past 7 days!

The high of my week was a trip north to the redwoods with my brother and his girlfriend's family. We had a good time hiking, playing games and hanging out, and on the way home we stopped and took a nice dip in the Russian river to top off the weekend.

The low of my week was a bit of a crazy busy workweek last week along with some ongoing work drama.

A book I am reading is The Boys in the Boat, except that I got the hardback from the library and then left it at home since I have been riding my bike to work and it is actually due today, so I am not going to finish it until I check it out again.

A podcast I am listening to is the Freakonomics issue of "how to create suspense". It is interesting, as they talk about how there is a perfect number of plot twists or surprises in a book or movie in order to keep people interested.

A workout I did was this Fitness Blender workout. They have a TON of different workouts on YouTube and you can also go to their site and search by workout length, calorie burn or intensity. I have been doing one to two of the 30 - 40 minute HIIT workouts per week and I have been enjoying them!

The best money I spent was probably my mortgage. I know, it's not exciting, but it sure is no joke!

My plans for the weekend include going up to my parent's neck of the woods for some camping and to see my dad run his first half marathon!

Happy Tuesday! What was the high point of your last 7 days? 

Looking Back: July

Looking back at this blog, I noticed that I am generally posting only a couple times a month, one of them being the "looking back" theme. Ah, well, such is life!! Just like everything, blogging and/or writing comes and goes and right now, I am happy with life and feel that I am getting things done, even if it doesn't include keeping up with this space! I do miss the connection that I have with many other bloggers, but I am keeping an eye on many of your blogs, even if I am not commenting!!

And now, welcome August; goodbye July.

Running: July was supposed to be a bit of a higher month for me. However, it ended up being one of my lowest months in a very long time. Lack of training, an injury and an unfinished race (sad recap to follow) meant that in July I ended up running only about 106 miles. On a good note, I started riding my bike to the BART each morning and afternoon. It's only about 1.8 miles each way, but it adds up to about 15 - 20 miles a week of biking. In addition, I am starting a 2 x per week HIIT class, which are about 30 - 45 minutes each.

The TRT

Reading: You can see the skew and maybe the reason my mileage was low when I tell you that this month I read 11 books. Okay, really I read 10 and a half. I started the Bone Clocks and just could not get into it, so I set it down half way. Some of my favorites were:

Still Alice by Lisa Genova
A Long Walk to Water by Linda Sue Park
The Scarlet Pimpernel by Emmuska Orczy
The Last Letter From Your Lover by Jojo Moyes

Travel: I started the month off in central Oregon, on our annual "girls trip", which includes my friend, her two daughters and her Mom, except this year it was also her dad, her brother and her sister's family, which included three kids and a husband. It was a loud, crazy houseful but it was a lot of fun. I even took the boys trail running with me twice and they enjoyed the change of scenery (they are road runners and cyclists). I also went to Tahoe for TRT.

Otherwise: My other two weekends were spent painting and sorting and organizing around the house and then finally having a housewarming party, which was a hit. It was fun to finally get all the friends together, especially since there were some friends I haven't seen in a while, due to all the running and working and home stuff. I ended up having a lot of extra beer, but I am sure I can find a home for it!

If you came to my housewarming party, what kind of drink would you bring? What book should I put on the library wait list?