horn4life
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Everything posted by horn4life
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All Encompassing Mortgage and Real Estate Thread
horn4life replied to UTPhil2006's topic in Business and Markets
THIS. Maybe there is some sort of Fed Fairy dust that I am unaware of, that will force bond buyers to take lower rates for higher risk? Right now it;'s pretty clear that the Fed is not driving the rate bus. -
Elon Musk: Nazi traitor piece of shit [Confirmed]
horn4life replied to MaybeACoordinator's topic in Daily Texan
Gobblin' Crank and or Goblin Crank Are added to the list of bands I might have to see for the name. -
Elon Musk: Nazi traitor piece of shit [Confirmed]
horn4life replied to MaybeACoordinator's topic in Daily Texan
Maybe. In another world. But this world of corruption will absorb all information and AI will pretty easily identify any dissent. Or do you think the folks standing in line to get even richer beyond imagination are going to restrict data access? You won't be able to buy the rope, because of your search history. -
Elon Musk: Nazi traitor piece of shit [Confirmed]
horn4life replied to MaybeACoordinator's topic in Daily Texan
Despite Elon having the back side of his hear look like nearly every guy at the nursing home... he got that salute pretty close the first time, but point on the second time. Good news is 1/3 of the country is gleeful, 1/3 is terrified. And 1/3 thinks Elon is cood and doesn't know what the fuck a Nazi is. But that symbol dealie is sort of cool, what's the big deal? -
I saw that sell off as well. It was apparently shutting down Pilot's Oil Trading? Hell I didn't know there were anything but gas stations with high covers that won't fuck up my RV trailer on the way out of San Antonio.
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If you are concerned about claw back just tell you siblings not to use the money you give them until Christmas. It should all be sorted by then. But this thread reminds me, my Mom passed in August, and one of the best things for me as the primary on everything, was that they had their cremation and end of life stuff in order. I was so happy about this for me that my wife and I did the same thing. Neptune Society was who we used. When my Dad passes the same easy peasy system will be used. It was REALLY nice to simply have the hospice person contact them, and then about the only question I needed to answer was the quantity of death certificates we would need. And Hospice is awesome if you get the right one. Helps a lot with end of life stuff, we as individuals simply do not have much experience with. ANYTHING that keeps a child from the vultures at the funeral home is worth a lot more than the $3500? we paid to take that concern off the table. Sorry for you loss. And I can only imagine the frustration of trying to help your mome. and indirectly siblings with good financial advice, tossed in the circular file. But seems like a split the money, tell SS, Federal government and move on. Or just delay distribution of the money if you have any real concerns, it's in your control.
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Dallas Cowboys 2024 Season Thread -- Jerrah the Asshat Rides Again
horn4life replied to Patrick Bateman's topic in Football
Be careful what you wish for. Team sucks under son. Dallas won't give free money to Cowboys for whatever the next ask is. Then you find out there is an agreement for a new Dell Stadium in Round Rock, and the logos for The Texas Cowboys start circulating... Made me smile all over again! Anyhow misery loves company I think we all can agree. -
Dallas Cowboys 2024 Season Thread -- Jerrah the Asshat Rides Again
horn4life replied to Patrick Bateman's topic in Football
Well... Why would such a wonderful system of self aggrandizement without the downside of accountability be changed? For Wins? For Championships? Who do you think has groomed and taught the new grasshopper? Your post actually brought a smile to this old Oiler face! -
Dallas Cowboys 2024 Season Thread -- Jerrah the Asshat Rides Again
horn4life replied to Patrick Bateman's topic in Football
As a born and bred Oiler Fan I have to watch fucking Tennessee bastardize the memory of my former hometown team. And my newly minted competitive Texans still have a way to climb the mountain. But I have hope! If you are a Cowboys fan what hope do you have? That Jerry dies? Jerry's system is fantastic! He makes most of the big decisions on personnel. He gives record breaking contracts that on a per snap basis have proven to be beyond stupid. But he has the one thing he needs most! A scapegoat! IF 500 coaches could win it all, with Jerry's amazing personnel choices, why the fuck doesn't Jerry just step in for one season and coach the fucking team? Because... that would eliminate his secret genius preservation mechanism. A lack of actual accountability for the teams performance UNLESS it's the obvious genius of picking a team any of 500 coaches can win with! Jerry owning the Cowboys, is the one light that takes the bitterness away from my painful Oiler saga... -
I think at this point in our life cycle, the main thing we should be happy about is that our win/loss record is not BUFU U any longer
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That's actually my only hesitation. The KA stuff is apparently NOT that good from a reliability standpoint. I actually like some of the GE profile stuff the best. Interestingly my Dad is actually interesting in the quality and not wanting to buy based on that. AND the one thing that makes me think maybe spend more money is if my Father passed and my Sister and I see how a 30 day plus furnished rental might fare for us? THEN I would really care about reliability! I have no doubt unless the market collapses that the house will sell. But if rates are high, that could hurt my top line number. As JJ says above - I would always spring for a Home Shield Policy as a seller, as it's a cheap safeguard for my moral side, as I never want to screw somebody over, even accidentally. So maybe the shit Kitchen Aid wins out! 😉
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The idea is I am going to replace the double oven. I think I could get by with a range oven and a speed micro, convection micro, Advantium or whatever branding you want to call a microwave that can function as an oven. Maybe, but it was my folks full time place. And as somebody who likes to cook and entertain, I (we) use both the double ovens on our range, most anytime we have anyone over. What we like the best is the smaller upper oven, because we can preheat it quickly and perfect pizzas, and roasting vegetables. A LOT more efficient that the full size convection oven. After looking through a bunch of comps at and above price range, I have decided I don't really need to go too big on the oven. As in don't need to drop in a larger 36" unit, as I like my cabinet layout better with the same 30 inch spacing replacing the cooktop and the range. This smaller profile microwave, and the double oven kitchen aid freestanding range (with the elevated control panel) with a re-skin of the dishwasher to stainless steel is probably the cheapest of my choices. Cost breakdown $300 for DW stainless front, $1100 for micro and $2300 for range. $3600 for the look, sounds good from the financial math side right now. ROI
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That's like our Profile over range microhood. But with the double oven range we rarely use it as an oven. Unless we are trying to cook some extra casseroles for a big family event on the wife''s side. I am thinking that if I have a built in (likely a drawer) that can operate as a second conventional oven would check that second oven box. Or third oven if a double oven range. I am leaning toward conversion of the Double oven space into some sort of pantry space. Or make a hybrid pantry/ micro-oven space to take advantage of the existing electrical. This is more my second choice if I can't find a good home for an under counter unit. Grays are out, and were never my preference even when they were in. Not enough room for a freestanding tub (but I tried!). Want a microwave that could double as conventional oven as well, preferably under counter unit to free up space for pantry space. Clarify on the "except for badass range? I'm reading as go bigger on the range? Thanks for all input. I will have some time to sit down and lay out some options this week while freezing... assuming the power stays on.
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Winter Weather 2025 - Arctic Blasts or Sweaty Ass?
horn4life replied to NorthLoop's topic in Daily Texan
Oak Knoll/183 It was a blip. But did reset everything. -
Winter Weather 2025 - Arctic Blasts or Sweaty Ass?
horn4life replied to NorthLoop's topic in Daily Texan
Well just got a brownout here in Austin. I will be so pissed if the grid goes down again! -
All Encompassing Mortgage and Real Estate Thread
horn4life replied to UTPhil2006's topic in Business and Markets
What? I'm a Guy! I don't even look at instructions until things are half assembled! 😉 I spent about 3 hours total with two designers doing a walk through on the house along with my Dad. The first was a designer turned lead listing consultant for the better Agent group. The second was a designer that was going to go a bit beyond what even I was thinking, but not much. That proposal of $127K for the full project turnkey, with basically the identical ideas that I had already laid out, was as much confirmation as consultation. That was important to me as feedback. But it was more important to me as far as each designer mirroring my ideas. Especially the stuff my Dad was very unsure about. My Dad was all of a sudden cool with the extra expenses I said were necessary for top dollar. A third builder/realtor I interviewed probably spent two hours brainstorming and validated the actual designer gals. I am going to spend money with my Interior Designer niece. Who is kicking ass with her work, and I know that she's will give it some extra detailed thought for us. As well as likely insisting on not charging me the true value of her time. She's gong to be the last validation gate keeper on my choices. More than willing to pay for an expert here. The transformation of my home was pretty radical after I did a reconstruction after it flooded back in 2021. About the only thing I was mildly surprised about was that LVP was the first flooring mentioned by both designers. The hardwood flooring pick was a direct result of the suggestion of varigated hardwoods by the listing designer. I also have colors from here as well. All of which I will have my interior designer niece vet or re-spec. The Reason I post on this thread about this is for a more seasoned perspective from the sales side of the equation. I know a lot of you guys are agents as well! -
Ha Ha- I have always joked that I fucked up Austin by being too cool to too many out of town folks, As well as peeing in every establishment mentioned in the many pages above. I read about the first six pages. Big tip of the hat to dcbsc for the revival! And hilarious about Mad Dog and Beans! The Austin's favorite, and the first cookies and cream. In 1979 when I came up to UT, that cookies and cream thing became huge. Probably honestly one of the first Texas designer Ice creamsQ How Blue bell shit that bed is an FDA story too long to tell. I had a great talk with the owner of Inner Sanctum at the last (my first) Austin Record convention . Two months ago i have closed down so many legends in Austin on the last night. But If I had to to rank them. From my 1979 freshman and beyond viewpoint,,, This is the chronology of death! As my party machine lifestyle remembers it back then. Carve me up boys! Probably not remotely in the correct time order, but fuck it! iw WAS Austin!!!! 1) Closing of Club Foot! Only because I worked there, and had a lot of crazy times! And fuck I saw U@ in that bar! As well as Joe Ely introduce this kid... Charlie Sexton. Not a real milestone beyond mine personally. 2) Steamboat 1864 (on 6th street you minions!) Mainly a lot a Stevie Ray Vaughn Wednesdays, followed by Extreme Heat Thursday for Ladies nights. Did I say I knew all the bartenders! Phil fron extreme heat died recently before a reunion. He was a fun and good guy! fucked him up with a 714 one night and we bonded after that. 3) Jakes- on 5th. Famous for fried oysters of all things in Austin. I was a young'un and not a regular. but i knew we lost something. Probably the first displacement in Austin I can recall? 4) Flannigans! The last bastion of disco and 25 cent drinks! I was going to say Mother Earth, but I got laid at Flanniga's. Plus I totally fucked up and dropped a hundred into the tip jar on 25 cent drink night. I got a lot of fucking attention. and I could not pull it back. I was going to tip a $20! painful for me the,. A great memory today... though fuzzy. 5) Wylie's!!! Fucking loved that place. I was a young buck encroaching on the old guard way back when. Second Date with my wife there. I knew so many bartdeners and waitresses there. Jerry the owner was a good guy, and the staff were wilder than shit. Too many stories to tell there. 6) The dirty book Store and the underground hot tubs on 6th street. Sounds fucking craxy as shit, but true. I could buy a girl a drink at Wylies, a rose from max, and forbidden dirty bookstore trip, and then a hot tub. I feel pity for most everyone everywhere writing this. 7) When X became Illegal. Upper Barton creek on X, that may have been non-music peak Austin, 8)- Liberty Lunch - not just for what it was for so long. But it was a loss of a jewel to an amazing software company. that backed out of it's deal ultimately. A sign of the 80's whoredom. 9-) Nuevo Leon - loved those folks and put so many people in their seats it was crazy. Should be open now like Matt's. Son lost track of the prize and fucked it up. My daughters were there as infants. Like first trip infants with VIP status. Loved Rachel and Robert. i used to spontaneously stand up and start singing :the Eyes of Texas" post game. Best place ever back then for Post UT games. 9-1/2 -Closing of paradise on 6th. last of my od guard batenderws and owners. if you ever tried "The Crawl" you are a bad ass like me! 10) Shady Grove- For me it was a place I went as it was opening when I was putting my wife through Pharmacy School. As usual I knew the bartenders and manager and was very well take care of. I can remember when they first started bringing in some acoustic acts to play outside. It famously become "Unplugged at the Grove" over the years. But for me it was my neighborhood joint, With quality food, and a good overn pour from where I usually sat. I miss them every time it;s cold as hell! And every time it's a false spring RIP. ---------------------------------------------------------- If you want to know when Old Austin is truly dead. It will be when ,Steve Werthheimer dies. That could be #10. But as long as there is a Continental Club. There will always be a few last gasps of old Austin as long as a respite behind Continental as SXSW survives. When Continental goes, what have you got left? But the cattle call that is Matt's El Rancho's "new" location? ON A BRIGHTER NOTE! I honestly don't know if Old Austin can ever truly die as long as folks like me keep retelling the stories? The best part of Austin now, as it was then was the attitude. An embrace of nearly everything, a kindness to nearly everyone. Not the frat boy story of Austin... but the cooler one...
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Tracking Trump Administration and Cabinet picks
horn4life replied to PenelopeWitherspoon's topic in Cloak Room
Well... I just erased a post. Because my main goal has always been to protect my family. And I cannot tell you how strange it feels to think this. But i deleted what I just typed. -
I have been asking some of these same question on the Real Estate thread, but figured a more diversified set of eyes here. I am completely remodeling my Dad's lake house on Lake Belton, and there is some insurance money from a ground floor flood, and a brush from a tornado for new roof. So there is some seed money to start which is awesome. I have a couple general remodeling questions and more specific kitchen design ones. But I am at the point where I am trying to decide what appliances I am going to install to make sure everything fits with the cabinets, electrical, plumbing etc. Anyhow right now the appliances are a 30 inch cooktop, and a 27 in double oven on an opposing wall, in a U shaped kitchen. The problem is right now there is no built-in microwave. They used to be on the counter 30 years ago...Normally I would just swap out or cut down the cabinet above the range and replace the vent hood with a microwave hood. But with the 10 foot ceiling heights I wanted to do a large vent hood for aesthetics. Plus designer and realtor both thought that was that a built in vent would look better than the traditional microhood. The good news is that I have two 240 supply sources to work with (I think). Right now the only appliance I would deem worthy of the remodel would be a Kitchenaid Dishwasher in white, which I could reskin as stainless for <$300 as it's only two years old. But this remodel is not for me, it's to appeal to buyers. So please give my your input! 1) Hardwoods and Tile in baths/laundry vs Luxury Vinyl Plank (LVP) throughout. - What is your opinion here. House is pier and beam and I have picked out some Hickory engineered with lengths as long as 7 feet. I have a bias towards hardwoods, but is it an unfair bias? We will be at the upper end of range in area because of waterfront. And since I am saving on some of the labor, and a ton on the doors and cabinets, so right now my flooring budget is $6.75 a foot for all flooring except in baths, before installation. What is your opinion on value, resale, personal bias on natural wood vs LVP? 2) There are 2-1/2 baths but no tub. Realtors suggest converting one shower to tub, to increase appeal to families. I tend to agree and plan to convert a shower into a tub/shower enclosure. The bathrooms needed remodeling and since the the bath conversion is on a pier and beam subfloor I can more easily move plumbing. So yes on conversion to tub/shower enclosure? 3) How important is a second oven and built in microwave to you? The personal cook/ entertainer in me sort of thinks you need two ovens, just for the big Christmas and Thanksgiving events. We have a double oven range, and a convection microwave hood effectively giving us three possible ovens to use. We use the small oven probably 90+% of the time. 4) Range vs cooktop and double ovens. I am leaning toward replacing the cooktop with a range, as I think. ranges simply look better. I am toying with really going big here, but that's another question. My thought is that if I replace the cooktop with a range I am freeing up built in space for a microwave/ oven combo to replace the existing double ovens. 5) Microwave hood, versus built in or stainless steel hood? What appeals most to you? 6) How important is a pantry? 7) Would the eye candy of a professional style larger 36 range negate having a second oven? If you have a built in micro-convection oven as well? In other words would not having the second conventional oven play into a purchase decision. 😎 How important do you deem the quality of appliances in a home? How big of a difference do you see between say Kitchenaid (since I have a washer) versus a more professional style range like Thor? I will probably be pushed the more conventional route by my father and sister. Is that's the case I will go with a double oven range, built in hood, and built in microwave(where double ovens now exist). It will be a great improvement in appearance no matter with all new cabinets and countertops, but since I am gutting it, I like toying with different potential ideas. The only bad thing abotu my 36" range idea is not many options in electric only 36 inch widths. That's where I thought about the Thor stuff popped up from. Cost between a 30" double oven Kitchenaid versus Thor as depicted below? Anyhow there are where my musings have brought me thus far on appliances. It will likely be different after the weekend. kbuilt in microwave along with double oven VERSUS
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So can he insure son at Fred Loya for the avalanche, and then still be covered when he totals the Carerra? USAA isn't cheap that's for sure, but they have been good at covering any of our losses in the past. Insurance rates are out of control. Shooting through the roof for cars, simply due to the need to recalibrate all the sensor technology from a minor front end collision. Natural disasters are causing entire state redlining for some companies on Homeowners. And insurers have no choice but to raise rates to be able to cover future claims. I just wish it would top out. At least on autos!
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All Encompassing Mortgage and Real Estate Thread
horn4life replied to UTPhil2006's topic in Business and Markets
The hickory is $6.75 a square foot before installation. I love the look of the hickory, but the speed and ease of LVP may win out. Simply as i like the uniform look. I may have to go back through and take another look at the higher end LVP. Another plus would be no concerns about additional vapor barrier because of pier and beam with LVP. How did they trim out the bottom edge around you rtub??? We went with a deep single basin on our kitchen remodel. Best decision I eve made. Except because of the depth of the basin I had to cutout and drop down my drain, in order to squeeze in a disposal. Which I got the shallowest one possible. But we cook a lot, and host a lot of family stuff. And the ability to put in sheet pans flat, and scrub them is nirvana. Well maybe not nirvana, but trying to clean big sheet pans in a double basin is a fucking mess. Also rewired the disposal so I could put in one of those countertop buttons next to sink. I did it because we had a three hole kitchen faucet and only two holes for the newer models. Either a cap, or cool button! Runs off air pressure, but solved a problem and I see them a lot now on higher end island builds in particular. It's a lot more rural in Temple/Belton than Austin and made me think perhaps a farmhouse sink. But I personally like the cleaner look of under mount stainless to match the appliances. So likely just big basin with left hand drain. That allows me to repurpose a cabinet from trash cabinet, but building slide out trash under right hand side of sink. Thanks again for the replies guys -
All Encompassing Mortgage and Real Estate Thread
horn4life replied to UTPhil2006's topic in Business and Markets
Main reason I was looking at Thor was to find a good looking 36" range in electric only. My 93 year old dad was arguing that you need the elevated control panel back with a clock and timer. Hell half the ranges now don't even have that now! Thor may be a bit overkill, and the 35 inch oven was not as large as I thought. I might just go with a double oven 30" slide in, and a convection microwave in place of the existing double oven. That would be both an upgrade and a cost savings. I also keep toying with going back away from the hardwood we chose and going with a LVP. Only to be able to run it seamlessly into the bathrooms as well. My thinking is that . the hardwoods will have more appeal to higher end buyers. IS THE PERCEPTION CORRECT? Or is LVP now at a level where it's on par with actual hardwood? Thanks again guys -
All Encompassing Mortgage and Real Estate Thread
horn4life replied to UTPhil2006's topic in Business and Markets
House is white brick which is good, new roof and exterior paint will help give it an updated look. I was going to tear out all the boxwoods this winter and replant. Instead of flat boxwoods along front, I wall make curved beds for street appeal, as well as new mahogany front door. Also will remove all the shutters (looks dated) and add two metal awnings to the downstairs windows. House sort of "looks flat" and the awnings and curved lines of good landscaping will help sell it from the street. I want to be done with this by mid-April. With exterior painting and the new roof/siding being about the last thing I am getting done. Simply as it looks like I may need to move one, possibly two plumbing vents which would move the boot placement. The best comp I think we had went for for $691K, final selling price in September. Better lot, with flat backyard on 60 foot high cliff. The house was remodeled decently but now not really weil and the kitchen was a little lacking. I think that with good finishes, a comparable lot, limited true lake front, and improved street appeal that number and perhaps beyond is possible. guess I will know in a couple months. Of course interest rates my influence the final number unfortunately. -
All Encompassing Mortgage and Real Estate Thread
horn4life replied to UTPhil2006's topic in Business and Markets
Both realtors we initially interviewed thought a listing price of $650-675K would be appropriate. The problem for me is that the house was designed for my parents and both my grandmothers to live in (and yes that did not work out). So they have no tub, and two showers. The house is on the edge of "cliff" and thus has a side yard, but backyard is a steep slope down toward the lake. The advice has been to convert the downstairs bath into a tub/shower enclosure. Both showers are like low ceiling coffins without good light, so I need to put some cash in there to bring the build out up to the $600+ range. The tub is basically to widen the number of potential buyers. I am also limited in adding extra baths due to the septic limitations. Where I am saving money- White shaker cabinets, white 5 panel doors, flooring install, custom mantle. Where I am spending extra- flooring, a couple key fixtures and kitchen appliances, and matching countertops throughout. I am using some RTA cabinets. My whole philosophy is that home buying is emotional, and things like higher end appliances tend to help move the place quicker. Since I am giving the place a complete facelift, it will look on the interior like a new build. This is the flooring 7" and 3" wide planks up to 7 feet in length. So a solid update to the higher end side. Hit send too soon. But trying to give it a real update. I was sort of considering a farmhouse sink, but that's usually not my style. I do insist on a large singe basin sink. -
All Encompassing Mortgage and Real Estate Thread
horn4life replied to UTPhil2006's topic in Business and Markets
It's my parents house on Lake Belton. House had a toilet supply line failure, so flooded, and then got brushed by a tornado. So there is a fair amount of starter money. It's almost 30 years old, so dated. They had parquet flooring so they got decent coin for that. The original contractor who was the original builder flaked, and because we still had a second story full of stuff (while my mom was passing away) I started the renovation. Tore out all the doors, re-sheet rocked the tear out, demoed out the downstairs bathrooms, and kitchen demo will be next once my Sis helps me get all the shit out of there. The only way I would rent it is if it does not sell. And the big hesitation there is because it's on a septic system. My original plan was to furnish it out, and make it a 30 day plus rental. But I think done right it will sell, and for top dollar in the area. Then it's a clean deal for the estate, and I can get my extra pop at closing. And while I love my sister, she is a pain in the ass on most any decision making. So basically a flip. My Dad is 93 and if he passed then the 30 day rental option might rise to the top?
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