How,Much,In-store,amp,#39,Insu finance, share, loan How Much is In-store 'Insurance' costing You
If your financial problems have reached the point where you do not see a way out and you feel as though you are drowning in debt, your best way out is through declaring bankruptcy. Filing may well allow you to get your finances back on track Thankfully, there are now several web sites that are there to help people like you with bad credit to find the fast personal loans that you need. When you have bad credit, the first thing that you should be looking for is a loan company that
REPRINT GUIDELINES: Please feel free to reprint this article in your ezine or on your site, as long as you leave all links in place and include the resource box as listed above. A quick email to inform me would also be appreciated. Thanks.TITLE: How Much is In-store 'Insurance' costing You?AUTHOR: Colin Mc CaigEMAIL: mailto:[email protected]: mailto:[email protected] COUNT: 475KEY WORDS: Extended warranties, bad deal, shop aroundDESCRIPTION: Extended warranties may seem a great deal, but frequently turn out to be a costly luxury.'How Much is In-store "insurance" Costing You?'by Colin mc CaigI saw it coming, but many of us still don't.No sooner had I handed my card over to pay for my new DVD,than I was hit with that famous question that meets theunwary at the point of sale...'Would Sir care to insure his purchase against breakage...'It's a fact that high-street outlets still sell millions ofthis 'insurance' each year.Unfortunately, for Joe Public, though, they're rarely worththe paper they're written on.Indeed, in the majority of cases, it's generally cheaper topay for breakage as you go, particularly as many extendedwarranties can come to more than *half* the cost of youractual purchase.Add to this, that we live in a competitive world with goodsbought today far more reliable than 10-20 years ago, youreally have to question who's getting the best deal here.In fact, I can still think of a cheap video recorder Ibought 4 years ago. It came with a 1-year guarantee andit's still going strong today.So how do you make sure you're not caught out?Well, here are a few pointers:1. Don't fall for the standard 'hard sell' techniques until you have all the facts up front. These are frequently employed to foist unwanted warranties on the unwary.2. How open is the retailer about the cost of their insurance? Is the cost of the warranty displayed alongside the goods?3. Does the warranty include a 1-2 month money-backguarantee if you don't make a claim in that period? Andafter this, would you be entitled to a pro rata refund?4. Is there an information booklet explaining yourstatutory rights? This should state that you have theright to cancel and that warranties are availableelsewhere.On that last point, did you know that warranties boughtin-store can be up to 40% more expensive than thoseavailable from other insurers and outlets?And if you're a credit card holder, many cards now coveryour goods for a year beyond the retailer's offer.Mmm...suddenly that 'insurance' isn't looking so great adeal after all.So, next time, don't feel pushed into an immediatedecision.One final tip: If you have cash to pay, then why not makethe sales assistant work for the sale? You'll often findtheir commission has already been 'priced in' to the itemthey're trying to sell you.Haggling is common practice in many countries, so don't feelembarrassed! You'll find many stores prepared to do so towin business - particularly if surrounded by a lot ofcompetitors!So, There you have it...the next time you go shopping forthat new washing machine, try shopping around a littlefirst. That way, you can stop your 'insurance' becoming acostly luxury.© 2004 Colin Mc CaigRESOURCE BOX:============================================================Want to know how some beat the debt trap and master their money with ease? You can find out by grabbing Colin's 'Debt-Busting Secrets' mini-course. Send a blank email to:=======>>>> mailto:[email protected]============================================================
How,Much,In-store,amp,#39,Insu