The first is a "locked thread". (please note that there are 5 pages of responses)
It is one of the most informative, certainly one of the longest, and certainly marked by arguing.
I see new people post all the time with these issues and the longest thread which pertains, is locked and therefore settles lost into the forum. I do not see it turn up in many of the searches, even though I am relatively certain it has had far more views and may contain more information than most other post TX threads.
In an effort to provide information for others I provide a few links, and if you think of other threads worth reading they could also be added to this thread on occasion.
I will leave off with this link and hope that it helps others with a sense that they are not alone,
and that this forum does have information on the subject.
And here is a last link; a compendium of older threads.