盘点那些得不偿失的省钱习惯

Buying An Extended Warranty

购买延保服务

Woroch also warns against shelling out dough to protect a big-ticket purchase. “You don't get what you pay for because extended warranties aren't what they seem to be," she says. In fact, according to Consumer Reports, stores keep 50 percent of what they charge for an extended warranty plan so that’s why they pitch it. “The warranty may be rife with restrictions and exclusions and may not offer the coverage you expect,” she explains. “You often don’t get the full explanation of how it works either, nor do many people even think to ask. Often times, the store contracts a third-party service provider and you don’t know anything about this service provider, how reliable they are, the quality of their work, how long the service will take should something need fixing or replacement.”

沃罗奇还提醒大家不要花很多钱去保修一件大额物品。她说：“你花的钱并不值当，因为延长保修并不像表面看起来的那样。”事实上据《消费者报告》(Consumer Reports)报道，商户收取的延保费用有一半都放进了他们自己的口袋，所以他们才会大力推销延长保修。沃罗奇解释道：“延保可能有诸多限制和很多不属保修范围的情况，也许并没有提供你所期待的保障。你常常得不到有关具体怎样延保的充分解释，有很多人甚至也不会想到去问。商户经常是将延保业务外包给某家第三方服务提供商，而你对这家服务提供商却一无所知，也不知道他们有多可靠，工作质量如何，以及如果有东西需要维修或换货，多久才能享受到服务。”