So I was reading the thread about having 8 months to prep for a race, and Shovel's comment about Wells Ave. got me thinking. I looked it up on the map, and sure enough, I lived not too far from Wells Ave. for several years, and I never knew there were races there. Of course, at that time, I didn't ride a bike. My chosen exercise was 12-ounce curls.
And Chappy, I converted the roll-over 401(k)s for two reasons. 1. I wanted to take advantage of the lower taxes in 2012. It seems like there is a good chance tax rates will be going up in 2013 or beyond. Plus, I like to think that my income will continue to grow pushing me into higher and higher tax brackets, so I would take an even bigger tax hit if I waited until retirement. And 2. My wife got a small inheritance this summer when her aunt passed away, so we had the money to pay the taxes now.
Finally, Saratoga, as for going with no sealant, I would not do it. I run tubeless on my mountain bike with sealant and ran a makeshift tubeless set up on my cross bike for a season, again with sealant. On the cross bike, I got way too many burps and just ditched the tubeless set up. I am pretty sure Zinn did a couple articles or Q&As on this, so you might want to look through the VeloNews archives.