Paint: Go Bold or Play it Safe?

We painted our downstairs living/dining area, upstairs loft and master bedroom not too long after we moved in.  Everywhere else has stayed what I call basic builder white.  It's so boring and adds nothing to our decor so it's time for it to go.  I'd like to say that we are going to do it ourselves but that is not the case.  The first time around was really labor intensive and turned out to be a full day project.  Painting is a lot harder then it looks!  We will do the bathrooms and extra bedrooms ourselves later someday but since we are having crown moulding installed we decided to pay a little extra, leave it to the professionals and have them do some painting this time around.  We can't reach the high areas in the hallway as you go up the stairs anyways and me on a ladder or using an extended roller on stairs is an accident waiting to happen.   

3rd and 4th down are our neutral picks.  #3 would
be for the kitchen and #4 would be for everywhere else.

Picking the neutrals was not too hard.  We didn't agree on our favorites initially but were able to easily narrow it down to two using the darker one for the kitchen and a lighter one for everywhere else.  Then Mj decided he wanted to get bold for the kitchen.  Which is fine because I would love to liven things up with a bright color too but bold can be scary.  We went back to home depot and picked some brights.    We stood there staring at our sample colors on the wall for a while and couldn't decide.  We walked away, came back and looked again but still couldn't decide.  The Behr Paint app said that this shade of  Orange would go well with our curtains but it just looks so bright!! We actually don't have a huge amount of wall space in the kitchen.  It's so hard to visualize how it's going to look all over and once it's slapped on every inch of our walls we're stuck.  We don't want to have to re do this.  Especially since we are paying to have it done.

The bright orange is sort of scary!!  We did not like the mustard
in the middle but the Peachy one at the bottom is an option.

The crown molding will be installed tomorrow so we have to decide tonight. Do we play it safe with a neutral, go middle of the road with a lighter peach or do we go bold?  We have to make a decision very soon and I still have no idea!!!!

Taxed to Death

When I was young and carefree and I heard "old people" complaining about things like taxes and property values I didn't really understand what they were so upset about.  Now that I am older, a tax payer and a consumer of more then just little things like food and clothes I get it.  Being a homeowner I get it even more.  My goodness...I seriously feel that I am being taxed to death.  I get my pay check and it's taxed.  I buy something at the store it's taxed.  I win a 2 night hotel stay and I have to fill out a W2 because it's going to be taxed.  I can't touch any retirement money I have saved before whatever ripe old age they have decided upon or else it'll get taxed.  When we bought our house we had to seriously factor taxes into what we could afford for a mortgage because it adds almost $350 a month.  The principal and interest payment might look pretty nice but when you add in the taxes and suddenly it's not so affordable anymore.  The only reasonable way to handle these monster property taxes is to set up an  impound account with your mortgage company and pay into it monthly along with your mortgage so that when the taxes are due twice a year the money is there.  All set right?  Well not quite. 

A couple months after we moved in last year we got a supplemental tax bill for $1,012.  They say it's typical on new construction.  We expected it but  weren't actually prepared to pay it so we asked for half to be be paid out of impound and by the time the other half was due this year they had already factored it in to this years impound and it would be taken care of.  We even got a nice escrow refund check.  Yesterday, we got yet another supplemental bill and the only thing it supplements is my annoyance.  This time it's $3,000 on top of our normal taxes.  That's not exactly what we planned on using our tax refund for so I call our mortgage company and thank goodness they agree to pay it.  It will raise our mortgage by $25.00 a month come May because it creates a deficit in our impound account but that hurts a lot less them ponying up 3k at once.  Now get this.  He says the reason could be for home improvements which allows the city to say that our house is worth more and therefore we owe more property taxes.  I wondered, how do they know anyways?  If we did anything that would require a contractor to get permits then it's reported to the city.  The only thing we did is our backyard so that must have been it.  We are already paying taxes on the house, then we get taxed on the landscaping job itself, then getting a 3k bill was like doubling the cost of our landscaping job-for  no good reason!  Apparently, California is notorious for doing their little shady re assessments on property value.  I suppose we better watch out when we get ready to do our kitchen remodel and we can probably forget about getting another escrow refund. 

But really.  It's enough to make your head spin.  At least we got a decent tax refund this year-goodness knows we've paid enough.  According to an old saying the only thing you can be sure of is death and taxes.  I may not have understood that as a kid but I certainly get it now.

Injured List

According to the weather report it was going to be a gloomy day so we decided to postpone our day date.  Mj went on his Saturday morning bike ride as planned and I just expected to spend the day at home relaxing.  I didn't think we'd end up at Kaiser Permanente.

I got the call right after I got out of the shower.  He said he dislocated his shoulder and that we'd be taking a trip to the doctor.  I found out which location had walk in hours and was ready to go by the time he made it back home.  He started biking with his friends last year and now he has all the gear that goes with it.  He has a road bike AND a mountain bike.  He has the tight spandex outfits in bright colors and the weird shoes that clip onto the pedals and everything.  Today they went about 25 miles east to the mountains for a 12 mile bike ride.  It was freezing, there was snow on the ground in some spots and the altitude was really high.  Poor guy.  About half way through the ride he took a toss over his handlebars and his shoulder was unfortunate enough to connect with the only rock in sight.  I don't know how he managed to clip his shoes out of his pedals in time to detach from his bike.  He had to half walk half ride his way back with a jacked up shoulder for 6 miles.  He's such a tough guy.  You would never even know how much pain he's in.  His tolerance is pretty high and he's not a whiner like I am.

Those bones should not be that far apart

Kaiser is so efficient.  We were in and out of there with X rays done and Rx in hand pretty quickly.   The bustling pharmacy is staffed with an army of white lab coats taking orders and getting people their drugs.  Turns out he has pulled the ligament that is supposed to hold his shoulder to the bone and it's separated pretty far.  They put him in a sling and he'll need to follow up with an orthopedic specialist to determine if it can heal on it's own or if it will require surgery.  He's going to be out of town next week for work so it'll have to wait until the week after.  He and his buddies had a mountain biking mancation to Utah planned for the end of next month.  At this point who knows if he will be recovered enough to do that.

It was only a matter of time before SOMETHING else happened.  He has a bit of an accident prone past.  Years ago before we met he sliced his face open in Army drill team tossing swords in the air.  I can't remember exactly how many broken bones he's had.   He busted his eye brow open two years ago playing basketball while overseas and had to get stitches.  The eyebrow scar it left is actually pretty sexy but that is besides the point.  He routinely comes home from mountain biking all scraped up and this is his second major spill.  I love it that he has a hobby he enjoys that gets him out with his friends and keeps him fit but I don't love it that it can be dangerous.  A car could run him over on the streets and they get to speeds of up to 45 mph on those skinny tires.  If you hit a pot hole or an unexpected dip you are done.  Mountain biking is even worse.  The terrain is rocky and slippery with gravel and dirt.   A biker could tumble off the side of a mountain if things went really wrong.  Thank goodness they wear helmets.  I suppose it could be worse.  He could be on a motorcycle.  Well, actually that will never happen because I already told him he better not ever even think about getting one of those.  Nope.  Not on my watch.

Thursday Thoughts

Just some random and mostly unrelated thoughts for the day.

• Is anyone else having a hard time with the time change?  I know it has to be mental because there is no way that an hour lost on Sunday is still actually affecting me on Thursday.  If it ever did that is.  It's just so dark.  I can barely drag myself out of bed and barely give myself 20 minutes to get out of the house.  I couldn't even be bothered to wear green today.

• There is a huge proliferation of shows focusing on the drama that is weight loss and eating disorders lately. In addition to the shows on Discovery Health and TLC about the struggles of the morbidly obese other recent shows are I Used to be Fat, One Big Happy Family, Freaky Eaters, What's Eating You?, Dance Your Ass Off, Heavy, Too Fat for 15, Ruby, Shedding for the Wedding, The Biggest Loser, Thintervention, and Heavily Ever After just to name a few.  There is a new one coming up later this month called Addicted to Food.  I watch most of them.

• I love Teen Mom 2.  I really love it that I turned Mj into a fan and it's become one of our shows that we watch together.  I'm not sure what it is about that show but I am totally engrossed and look forward to the drama of each episode every week.  Jenelle's mom is so harsh and annoying but Jenelle does makes the worst decisions so she brings a lot of that wrath upon herself.  Everyone should have yelled "I told you so" and rubbed it in hard after Chelsea took her jerk of a boyfriend back and the relationship went down in flames again.  Duh.  What the hell was she expecting?  I love Leah and I hope she realizes what a great guy she has.  Chelsea would do anything to have her baby's father actually get a job to support the family AND want to marry her.  I'm glad Kailin got out of Joe's house.  What a totally awkward and uncomfortable living situation that was.  With the exception of Jenelle, they all wear way too much eye make up.

• Yesterday I dropped $680 bucks to replace the carpet in my condo/rental property.  Yikes!  It's a really good thing I'm a natural born saver or else this could have been devastating.  Well, it's still devastating but at least I have the money.  I put it on my Capital 1 card for the points and I'll pay the sucker off when the bills comes.

• I have always been somewhat obsessed but being able to track calories on my phone so easily has taken it up a notch.  It sure beats writing it all down and trying to add everything up.   I love picking out a cute little food symbol for my custom foods and watching my net calories rise and fall with the addition of new foods and exercise.  I like seeing how much over or under my calorie budget I am at the end of the day and planning out what I want to eat.   I have not missed a single day since I started in December.  It's like a game and needless to say, I am having way too much fun with it.

• I am hanging onto my motivation to keep going to the gym.  Just barely!  But I'm hanging in there and have continued to go at least twice a week.  I so badly wanted to drive right on by today and head for home instead but I'm afraid if I miss even one week it will send me back to the couch every day after work for good.

• I drive down the street that has all the frat and sorority houses on it.  I can't help but notice how young and carefree they look as they walk energetically and laughingly down the street in groups wearing their party frocks on their way to some Greek event.  Meanwhile, I'm driving home from a long day at work and can't wait to get into my jammies so I can get some rest and then do it all over again the next day.  Oh to be young.  I have a much better sense of myself now then I did at that age so I don't know that I'd necessarily want to go back but I certainly miss the ease and bliss of youth and all of the possibilities that it brings.