While I completely agree that opting in / choosing add-ons must be left to the home owner, I have had vastly different experiences with AHS than many folks here, apparently. I had a new home built in Texas around 2005 and chose to add AHS to my home mortgage bill. They initially gave me a $25 copay amount for parts and labor which went up to $75/incident a year later. I lived in that house for 11 years and used AHS several times a year in that time to repair my A/C compressor, replace a water heater, snake plumbing lines, replace a built-in microwave, repair a washing machine, address in-house plumbing leaks and more. AHS more than paid for itself albeit not every claim was fully paid. This is in stark contrast to the home warranty I obtained with the purchase of an older house in Alaska a year ago. It came Choice Home Warranty for 2.5 years and features a $40 copay. I've tried to use them about a dozen times and they've only paid a couple of claims. In every case the home warranty paid little to nothing and extended the outage of each issue. AHS was great, by comparison. Your mileage may vary. I concur with previous posts and comments recommending a small nest egg for home repairs.

Perhaps I wasn't clear. Puff for puff, taste for taste, cigarettes are primarily nicotine delivery while pipe/cigar tobacco is a more prolonged taste-based enjoyment. After five minutes into a cigar/pipe/cigarette I do think nicotine is generally a higher punch. One cigar versus one cigarette... or a bowl of Brown Irish XX.... the cigarette loses! I smoke a lot of Gawith Lakelands - dark bird's eye and brown bogie are the favorites. Happy Brown Bogie for your first rope ---- the best, IMO! Glad to see a fellow briar on the slash. --dk