Items listed here are based off a sample contract from an American Home Sheild (AMS) Home Warranty (downloaded at


  1. The following are not covered for the homeowner for the first 30 days after the Effective
    Date (see Section B): (a) malfunction or improper operation due to rust or corrosion of
    appliances, heating systems (including built-in wall units or heat pumps) and/or air
    conditioning systems/coolers or pools/spas; (b) collapsed ductwork.
  2. AHS is not responsible for providing or closing access to covered items except as noted
    in Sections D.1. and D.5.
  3. You may be charged an additional fee by the Service Contractor to dispose of an

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I've read alot of books on investing on many different topics from oil, to stocks, to Real Estate.

  • Reminiscences of a Stock Operator - Edwin Lefevre
  • How to Make Money in Stocks - William J. O' Neil (founder of Investors Business Daily newspaper)
  • biographies and autobiographies on men like: Warren Buffet, Rockefeller, Carnegie, Bill Gates
  • Liars Poker - Michael Lewis
  • The Prize - Daniel Yergin
  • Rich Dad/Poor Dad - Robert Kiyasaki
  • and many more...

I've studied different industries and different investors who have made money in all sorts of economic times.  1 thing I noticed is that many of the people who have been most successful started doing something at a time when nobody else wanted to (for one reason or another, it was difficult,…

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