<article>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#article09_12_15_0134246</id>
	<title>Extended Warranty Purchases Up 10\% This Year</title>
	<author>kdawson</author>
	<datestamp>1260872580000</datestamp>
	<htmltext><a href="http://hughpickens.com/" rel="nofollow">Hugh Pickens</a> writes <i>"Consumer Reports says that most of the time, extended service contracts <a href="http://www.consumerreports.org/cro/shopping/december-2009/the-5-worst-holiday-gotchas/unnecessary-warranties/5-worst-holiday-gotchas-unnecessary-warranties.htm">aren't worth the additional dollars</a>. But the <em>Washington Post</em> reports that purchases of extended warranties are up 10 percent over last year, according to the Service Contract Industry Council, a trade group. Consumers 'tend to be <a href="http://www.washingtonpost.com/wp-dyn/content/article/2009/12/11/AR2009121104859.html">more risk-averse and are less willing to absorb the cost of an unexpected product repair</a> or replacement,' says Timothy Meenan, the council's executive director. Mark Kotkin, director of survey research for CR, acknowledges that there are instances when the extended warranty can be worth it. '<a href="http://www.macobserver.com/tmo/article/Consumer\_Reports\_Dont\_Buy\_the\_Extended\_Warranty\_Unless\_Its\_AppleCare/">We recommend getting one for the Apple computer</a>,' Kotkin says. 'The tech support that comes with the extended warranty is great. Without it, the tech support is skimpy.' Another product where extended warranties may be of use are giant television sets, where few manufacturers will come to your home to make warranty repairs. Extended service contracts for big screen TVs often offer in-home repair, says Meenan, who once shipped a Sony TV to the service center for repair under the manufacturer's warranty. 'They fixed it and brought it back 45 days later.'"</i></htmltext>
<tokenext>Hugh Pickens writes " Consumer Reports says that most of the time , extended service contracts are n't worth the additional dollars .
But the Washington Post reports that purchases of extended warranties are up 10 percent over last year , according to the Service Contract Industry Council , a trade group .
Consumers 'tend to be more risk-averse and are less willing to absorb the cost of an unexpected product repair or replacement, ' says Timothy Meenan , the council 's executive director .
Mark Kotkin , director of survey research for CR , acknowledges that there are instances when the extended warranty can be worth it .
'We recommend getting one for the Apple computer, ' Kotkin says .
'The tech support that comes with the extended warranty is great .
Without it , the tech support is skimpy .
' Another product where extended warranties may be of use are giant television sets , where few manufacturers will come to your home to make warranty repairs .
Extended service contracts for big screen TVs often offer in-home repair , says Meenan , who once shipped a Sony TV to the service center for repair under the manufacturer 's warranty .
'They fixed it and brought it back 45 days later .
' "</tokentext>
<sentencetext>Hugh Pickens writes "Consumer Reports says that most of the time, extended service contracts aren't worth the additional dollars.
But the Washington Post reports that purchases of extended warranties are up 10 percent over last year, according to the Service Contract Industry Council, a trade group.
Consumers 'tend to be more risk-averse and are less willing to absorb the cost of an unexpected product repair or replacement,' says Timothy Meenan, the council's executive director.
Mark Kotkin, director of survey research for CR, acknowledges that there are instances when the extended warranty can be worth it.
'We recommend getting one for the Apple computer,' Kotkin says.
'The tech support that comes with the extended warranty is great.
Without it, the tech support is skimpy.
' Another product where extended warranties may be of use are giant television sets, where few manufacturers will come to your home to make warranty repairs.
Extended service contracts for big screen TVs often offer in-home repair, says Meenan, who once shipped a Sony TV to the service center for repair under the manufacturer's warranty.
'They fixed it and brought it back 45 days later.
'"</sentencetext>
</article>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442428</id>
	<title>Re:Not worth the money?</title>
	<author>lena\_10326</author>
	<datestamp>1260880500000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>2</modscore>
	<htmltext>Have you actually been able to save and locate receipts and warranty papers for some random device you bought 2 years ago? I can't find a receipt after 2 months. After 1 year the thermal receipts really begin to deteriorate. Sometimes they're unreadable after 2 years. Without the receipts, forget it, you don't have insurance even if you paid for it.</htmltext>
<tokenext>Have you actually been able to save and locate receipts and warranty papers for some random device you bought 2 years ago ?
I ca n't find a receipt after 2 months .
After 1 year the thermal receipts really begin to deteriorate .
Sometimes they 're unreadable after 2 years .
Without the receipts , forget it , you do n't have insurance even if you paid for it .</tokentext>
<sentencetext>Have you actually been able to save and locate receipts and warranty papers for some random device you bought 2 years ago?
I can't find a receipt after 2 months.
After 1 year the thermal receipts really begin to deteriorate.
Sometimes they're unreadable after 2 years.
Without the receipts, forget it, you don't have insurance even if you paid for it.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442210</id>
	<title>I have 3 extended warranties</title>
	<author>JoshWurzel</author>
	<datestamp>1260877560000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Interestingly, they are the two mentioned (big screen TV and Apple computer) and my car.</p><p>The first two pay for themselves.  I had to replace my TV for some backlight issue and the Apple tech support for 3 years is really handy.</p><p>The third was a colossal waste, because I drive a Honda.</p></htmltext>
<tokenext>Interestingly , they are the two mentioned ( big screen TV and Apple computer ) and my car.The first two pay for themselves .
I had to replace my TV for some backlight issue and the Apple tech support for 3 years is really handy.The third was a colossal waste , because I drive a Honda .</tokentext>
<sentencetext>Interestingly, they are the two mentioned (big screen TV and Apple computer) and my car.The first two pay for themselves.
I had to replace my TV for some backlight issue and the Apple tech support for 3 years is really handy.The third was a colossal waste, because I drive a Honda.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442660</id>
	<title>Extended warranties are mostly profit</title>
	<author>Anonymous</author>
	<datestamp>1260883080000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>3</modscore>
	<htmltext><p>I worked on a data migration project for a major insurance company. As part of that project one of the Business Analysts was asked to give us an over view of the business model represented in the systems we were handling. He started his talk by stating that their most profitable line was the type of insurance which people are asked to take out when they make a purchase. He observed that the customer was rarely able to claim because of the way in which the warranty was worded, and that often the retailer made more money from the warranty than they did from sale of the product. We all laughed. Ha ha.</p><p>Since then I have not taken out a warranty of any kind on any product. If it breaks then so what. I have saved more over the years than I might loose from the replacement of repair cost of something breaking.</p></htmltext>
<tokenext>I worked on a data migration project for a major insurance company .
As part of that project one of the Business Analysts was asked to give us an over view of the business model represented in the systems we were handling .
He started his talk by stating that their most profitable line was the type of insurance which people are asked to take out when they make a purchase .
He observed that the customer was rarely able to claim because of the way in which the warranty was worded , and that often the retailer made more money from the warranty than they did from sale of the product .
We all laughed .
Ha ha.Since then I have not taken out a warranty of any kind on any product .
If it breaks then so what .
I have saved more over the years than I might loose from the replacement of repair cost of something breaking .</tokentext>
<sentencetext>I worked on a data migration project for a major insurance company.
As part of that project one of the Business Analysts was asked to give us an over view of the business model represented in the systems we were handling.
He started his talk by stating that their most profitable line was the type of insurance which people are asked to take out when they make a purchase.
He observed that the customer was rarely able to claim because of the way in which the warranty was worded, and that often the retailer made more money from the warranty than they did from sale of the product.
We all laughed.
Ha ha.Since then I have not taken out a warranty of any kind on any product.
If it breaks then so what.
I have saved more over the years than I might loose from the replacement of repair cost of something breaking.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30445626</id>
	<title>Used to work for Circuit City</title>
	<author>Anonymous</author>
	<datestamp>1260898440000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>After working commissioned sales while putting myself through grad school, I will never purchase an extended warranty on anything. I pushed the extended warranties very hard on customers not because I was concerned for them, but because of the commissions on them and the pressure from management to sell a certain percentage of them or lose my job. Whenever we sold a computer or television with an extended warranty, we would say we got it "with cheese on it." Commission rates on computer hardware sales were 1\%, Televisions were 2\%, home audio 4\%. Accessories sold gave 10\% commission (can anyone say Monster Cables?), and the extended warranties paid us 15\%. It's no wonder your salesman thinks they're the greatest thing since sliced bread.</p><p>I quit that job when they closed the store down for a day, and called us all in for a meeting to kill commissions. They offered me an hourly wage that was 1/2 of what I was averaging on commission, and I told them where to stuff that job. The pressure from sales of warranties at Best Buy comes from management. The sales employees must maintain a certain percentage of warranty sales just as I did, except now the store keeps the 15\% commission for themselves. The employees are only paid straight hourly wages.</p></htmltext>
<tokenext>After working commissioned sales while putting myself through grad school , I will never purchase an extended warranty on anything .
I pushed the extended warranties very hard on customers not because I was concerned for them , but because of the commissions on them and the pressure from management to sell a certain percentage of them or lose my job .
Whenever we sold a computer or television with an extended warranty , we would say we got it " with cheese on it .
" Commission rates on computer hardware sales were 1 \ % , Televisions were 2 \ % , home audio 4 \ % .
Accessories sold gave 10 \ % commission ( can anyone say Monster Cables ?
) , and the extended warranties paid us 15 \ % .
It 's no wonder your salesman thinks they 're the greatest thing since sliced bread.I quit that job when they closed the store down for a day , and called us all in for a meeting to kill commissions .
They offered me an hourly wage that was 1/2 of what I was averaging on commission , and I told them where to stuff that job .
The pressure from sales of warranties at Best Buy comes from management .
The sales employees must maintain a certain percentage of warranty sales just as I did , except now the store keeps the 15 \ % commission for themselves .
The employees are only paid straight hourly wages .</tokentext>
<sentencetext>After working commissioned sales while putting myself through grad school, I will never purchase an extended warranty on anything.
I pushed the extended warranties very hard on customers not because I was concerned for them, but because of the commissions on them and the pressure from management to sell a certain percentage of them or lose my job.
Whenever we sold a computer or television with an extended warranty, we would say we got it "with cheese on it.
" Commission rates on computer hardware sales were 1\%, Televisions were 2\%, home audio 4\%.
Accessories sold gave 10\% commission (can anyone say Monster Cables?
), and the extended warranties paid us 15\%.
It's no wonder your salesman thinks they're the greatest thing since sliced bread.I quit that job when they closed the store down for a day, and called us all in for a meeting to kill commissions.
They offered me an hourly wage that was 1/2 of what I was averaging on commission, and I told them where to stuff that job.
The pressure from sales of warranties at Best Buy comes from management.
The sales employees must maintain a certain percentage of warranty sales just as I did, except now the store keeps the 15\% commission for themselves.
The employees are only paid straight hourly wages.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30452426</id>
	<title>Re:Why extended warranties are useless</title>
	<author>mrmeval</author>
	<datestamp>1260883980000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>3yr warranty on my LG Flatron has come in handy. It's not extended but stock. Thing died in less than one year.</p></htmltext>
<tokenext>3yr warranty on my LG Flatron has come in handy .
It 's not extended but stock .
Thing died in less than one year .</tokentext>
<sentencetext>3yr warranty on my LG Flatron has come in handy.
It's not extended but stock.
Thing died in less than one year.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442390</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444212</id>
	<title>Re:Not worth the money?</title>
	<author>PPalmgren</author>
	<datestamp>1260893040000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Parent's last paragraph says it all.  At a retailer I worked for as a kid, electronics extended warranties were used in less than 5\% of all warranty purchases, but the warranties could go up to 20-30\% retail price.  If you spend a decent amount on electronics every year, you're better off taking the money you'd spend on the warranty and setting it aside until something breaks.  Over time you'd net positive.</p><p>The only item I've seen it worthwhile on is inkjet printers.  Inkjet printer's wear &amp; tear is usually covered under extended warranty, and if it is commonly used for school/work and is around $75-150, there is a very high chance it will break in under 3 years.  The retailers typically give you the newer model at the same price point and you can just buy another 3 year warranty.  In cases where color is needed &amp; laser isn't practical, you can make money on this one by not being lazy.  I'm on my 4th inkjet for for a total of $170 in 6 years.</p></htmltext>
<tokenext>Parent 's last paragraph says it all .
At a retailer I worked for as a kid , electronics extended warranties were used in less than 5 \ % of all warranty purchases , but the warranties could go up to 20-30 \ % retail price .
If you spend a decent amount on electronics every year , you 're better off taking the money you 'd spend on the warranty and setting it aside until something breaks .
Over time you 'd net positive.The only item I 've seen it worthwhile on is inkjet printers .
Inkjet printer 's wear &amp; tear is usually covered under extended warranty , and if it is commonly used for school/work and is around $ 75-150 , there is a very high chance it will break in under 3 years .
The retailers typically give you the newer model at the same price point and you can just buy another 3 year warranty .
In cases where color is needed &amp; laser is n't practical , you can make money on this one by not being lazy .
I 'm on my 4th inkjet for for a total of $ 170 in 6 years .</tokentext>
<sentencetext>Parent's last paragraph says it all.
At a retailer I worked for as a kid, electronics extended warranties were used in less than 5\% of all warranty purchases, but the warranties could go up to 20-30\% retail price.
If you spend a decent amount on electronics every year, you're better off taking the money you'd spend on the warranty and setting it aside until something breaks.
Over time you'd net positive.The only item I've seen it worthwhile on is inkjet printers.
Inkjet printer's wear &amp; tear is usually covered under extended warranty, and if it is commonly used for school/work and is around $75-150, there is a very high chance it will break in under 3 years.
The retailers typically give you the newer model at the same price point and you can just buy another 3 year warranty.
In cases where color is needed &amp; laser isn't practical, you can make money on this one by not being lazy.
I'm on my 4th inkjet for for a total of $170 in 6 years.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442290</id>
	<title>By some countries' laws, they're useless</title>
	<author>cerberusss</author>
	<datestamp>1260878640000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>4</modscore>
	<htmltext><p>By some countries' laws, these extended warranties are mostly useless. Under Dutch law, a product is expected to work for a couple of years. Customers who return with a broken device after two years are still entitled to a working device. A negotiation should take place between the seller and the buyer, and one outcome could be a repair, for which the costs cannot be too high.</p><p>Some chains like MediaMarkt have put this negotiation down to a few rules and customers are protected by these. On the other hand, international chains like Apple have been found guilty for refusing Dutch customers help with their broken device just outside the warranty.</p></htmltext>
<tokenext>By some countries ' laws , these extended warranties are mostly useless .
Under Dutch law , a product is expected to work for a couple of years .
Customers who return with a broken device after two years are still entitled to a working device .
A negotiation should take place between the seller and the buyer , and one outcome could be a repair , for which the costs can not be too high.Some chains like MediaMarkt have put this negotiation down to a few rules and customers are protected by these .
On the other hand , international chains like Apple have been found guilty for refusing Dutch customers help with their broken device just outside the warranty .</tokentext>
<sentencetext>By some countries' laws, these extended warranties are mostly useless.
Under Dutch law, a product is expected to work for a couple of years.
Customers who return with a broken device after two years are still entitled to a working device.
A negotiation should take place between the seller and the buyer, and one outcome could be a repair, for which the costs cannot be too high.Some chains like MediaMarkt have put this negotiation down to a few rules and customers are protected by these.
On the other hand, international chains like Apple have been found guilty for refusing Dutch customers help with their broken device just outside the warranty.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442604</id>
	<title>Credit Cards</title>
	<author>Registered Coward v2</author>
	<datestamp>1260882600000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>A number of tehm automatically double the manufacturer's warranty, so for many items buying an extended warranty is pretty much duplication of existing coverage.</htmltext>
<tokenext>A number of tehm automatically double the manufacturer 's warranty , so for many items buying an extended warranty is pretty much duplication of existing coverage .</tokentext>
<sentencetext>A number of tehm automatically double the manufacturer's warranty, so for many items buying an extended warranty is pretty much duplication of existing coverage.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30458676</id>
	<title>Peace of mind?</title>
	<author>jotaeleemeese</author>
	<datestamp>1259687040000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I have seen the term mentioned several times in the thread.</p><p>Do people really get peace of mind by buying overpriced, unnecessary cover?</p><p>My "peace of mind" (whatever that is really) I am sure is not going to be disturbed if I am unlucky enough to have to replace something that breaks out of its statutory covered period (quite long in the UK).</p><p>So far I have never been in that position, when something has broken it is normally between the warranty period.</p><p>If you just sit down and do the math the numbers simply don't add up. Now, knowing I am not wasting my money unnecessarily certainly gives me "peace of mind"</p><p>What people selling you guarantees are counting on is that you don't have time to make an objective judgement, which it seems many people don't do.</p></htmltext>
<tokenext>I have seen the term mentioned several times in the thread.Do people really get peace of mind by buying overpriced , unnecessary cover ? My " peace of mind " ( whatever that is really ) I am sure is not going to be disturbed if I am unlucky enough to have to replace something that breaks out of its statutory covered period ( quite long in the UK ) .So far I have never been in that position , when something has broken it is normally between the warranty period.If you just sit down and do the math the numbers simply do n't add up .
Now , knowing I am not wasting my money unnecessarily certainly gives me " peace of mind " What people selling you guarantees are counting on is that you do n't have time to make an objective judgement , which it seems many people do n't do .</tokentext>
<sentencetext>I have seen the term mentioned several times in the thread.Do people really get peace of mind by buying overpriced, unnecessary cover?My "peace of mind" (whatever that is really) I am sure is not going to be disturbed if I am unlucky enough to have to replace something that breaks out of its statutory covered period (quite long in the UK).So far I have never been in that position, when something has broken it is normally between the warranty period.If you just sit down and do the math the numbers simply don't add up.
Now, knowing I am not wasting my money unnecessarily certainly gives me "peace of mind"What people selling you guarantees are counting on is that you don't have time to make an objective judgement, which it seems many people don't do.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30448446</id>
	<title>Re:Good enough</title>
	<author>maxume</author>
	<datestamp>1260908400000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Computers will never be good enough for everything. That said, they are good enough for more and more things every day.</p></htmltext>
<tokenext>Computers will never be good enough for everything .
That said , they are good enough for more and more things every day .</tokentext>
<sentencetext>Computers will never be good enough for everything.
That said, they are good enough for more and more things every day.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442808</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442618</id>
	<title>Stupid Stupid Stupid</title>
	<author>bsDaemon</author>
	<datestamp>1260882720000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>2</modscore>
	<htmltext>I once had an Office Max employee try and sell me an extended warranty on a mouse pad, which wasn't even $10.  If my mouse pad somehow managed to malfunction (seriously?), buying a new one would be cheaper than paying for a damned warranty.  Recently, I purchased a Nikon D300 and a 13" MacBook Pro, about 2 months apart from each other, at BestBuy.  In each case they attempted to sell me the extended warranty, but gave me 14 days within which to think about it.   I told them I'd think about it, then just left, but there was no way they were going to bilk me for an extra $2-300 when the purchase was expensive enough.  I'm careful with things, and I can afford to replace them if necessary anyway.</htmltext>
<tokenext>I once had an Office Max employee try and sell me an extended warranty on a mouse pad , which was n't even $ 10 .
If my mouse pad somehow managed to malfunction ( seriously ?
) , buying a new one would be cheaper than paying for a damned warranty .
Recently , I purchased a Nikon D300 and a 13 " MacBook Pro , about 2 months apart from each other , at BestBuy .
In each case they attempted to sell me the extended warranty , but gave me 14 days within which to think about it .
I told them I 'd think about it , then just left , but there was no way they were going to bilk me for an extra $ 2-300 when the purchase was expensive enough .
I 'm careful with things , and I can afford to replace them if necessary anyway .</tokentext>
<sentencetext>I once had an Office Max employee try and sell me an extended warranty on a mouse pad, which wasn't even $10.
If my mouse pad somehow managed to malfunction (seriously?
), buying a new one would be cheaper than paying for a damned warranty.
Recently, I purchased a Nikon D300 and a 13" MacBook Pro, about 2 months apart from each other, at BestBuy.
In each case they attempted to sell me the extended warranty, but gave me 14 days within which to think about it.
I told them I'd think about it, then just left, but there was no way they were going to bilk me for an extra $2-300 when the purchase was expensive enough.
I'm careful with things, and I can afford to replace them if necessary anyway.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444398</id>
	<title>Re:Not worth the money?</title>
	<author>misexistentialist</author>
	<datestamp>1260893940000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>  if it burned down you probably don't have the money to buy yourself a new one, so instead you pay the insurance company to have money to buy you a new house.</p></div><p>Still a bad deal if you are paying for firemen.</p></div>
	</htmltext>
<tokenext>if it burned down you probably do n't have the money to buy yourself a new one , so instead you pay the insurance company to have money to buy you a new house.Still a bad deal if you are paying for firemen .</tokentext>
<sentencetext>  if it burned down you probably don't have the money to buy yourself a new one, so instead you pay the insurance company to have money to buy you a new house.Still a bad deal if you are paying for firemen.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</id>
	<title>Not worth the money?</title>
	<author>Anonymous</author>
	<datestamp>1260876420000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>5</modscore>
	<htmltext><p>If I buy a device and it doesn't break, is the extended warranty useless?</p><p>I don't think so. The whole point is that \_if\_ I have a bad device I can get it repaired. Peace of mind has value too.</p><p>It's not like my home insurance is useless just because no one has burglarized us and we haven't had any fires...</p></htmltext>
<tokenext>If I buy a device and it does n't break , is the extended warranty useless ? I do n't think so .
The whole point is that \ _if \ _ I have a bad device I can get it repaired .
Peace of mind has value too.It 's not like my home insurance is useless just because no one has burglarized us and we have n't had any fires.. .</tokentext>
<sentencetext>If I buy a device and it doesn't break, is the extended warranty useless?I don't think so.
The whole point is that \_if\_ I have a bad device I can get it repaired.
Peace of mind has value too.It's not like my home insurance is useless just because no one has burglarized us and we haven't had any fires...</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444780</id>
	<title>Re:Applecare is worth it</title>
	<author>PitaBred</author>
	<datestamp>1260895440000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>90\% of people don't do that with their computers. If you can do that competently, then the warranty is a waste of time. But for the majority of the population where a computer is just a Facebook appliance, it depends on how much it'd cost for them to pay for service. If a hard drive goes south outside of the basic warranty, most people will end up paying hundreds of dollars to get it replaced. May as well get a warranty at that rate, especially if you need faster repair turnaround than sending it off to China for service.<br> <br>
I never buy the extended warranties. But that doesn't mean that nobody should. It depends on your competency and inclinations.</htmltext>
<tokenext>90 \ % of people do n't do that with their computers .
If you can do that competently , then the warranty is a waste of time .
But for the majority of the population where a computer is just a Facebook appliance , it depends on how much it 'd cost for them to pay for service .
If a hard drive goes south outside of the basic warranty , most people will end up paying hundreds of dollars to get it replaced .
May as well get a warranty at that rate , especially if you need faster repair turnaround than sending it off to China for service .
I never buy the extended warranties .
But that does n't mean that nobody should .
It depends on your competency and inclinations .</tokentext>
<sentencetext>90\% of people don't do that with their computers.
If you can do that competently, then the warranty is a waste of time.
But for the majority of the population where a computer is just a Facebook appliance, it depends on how much it'd cost for them to pay for service.
If a hard drive goes south outside of the basic warranty, most people will end up paying hundreds of dollars to get it replaced.
May as well get a warranty at that rate, especially if you need faster repair turnaround than sending it off to China for service.
I never buy the extended warranties.
But that doesn't mean that nobody should.
It depends on your competency and inclinations.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442358</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30448044</id>
	<title>Re:Not worth the money?</title>
	<author>maxume</author>
	<datestamp>1260906780000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>"on either the store or the manufacturer's dime" is a long hand way of saying "in the purchase price".</p></htmltext>
<tokenext>" on either the store or the manufacturer 's dime " is a long hand way of saying " in the purchase price " .</tokentext>
<sentencetext>"on either the store or the manufacturer's dime" is a long hand way of saying "in the purchase price".</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442234</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447386</id>
	<title>Worth it on printers</title>
	<author>halcyon1234</author>
	<datestamp>1260904080000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>You know what's worth getting the extended warranty on?  Ink jet printers, if you use them with any frequency.</p><p>The home models are pure crap.  I can almost guarantee you that it will die within about 3 years. It'll break a roller, or get clogged with ink, or some stupid scrap of paper will get caught way down there, or some dumb thing. The lights will blink in an unhelpful manner.</p><p>Then you march down to the Worst Buy you got it from and get it serviced. Except no one there has any knowledge, let alone knowledge of printers. They can't fix it, and the thing is so damned disposable it isn't worth the freight to ship it back.</p><p>They'll punch some buttons then tell you it'll be a few days to fix the thing.  If they can't, and they won't, you'll get a new comparable printer as a replacement.</p><p>When they give you that printer, offer to buy the extended warranty again. It'll cost you another $20, but you'll get a newer model, and it will come with a "full" set of cartridges.</p><p>Do this right, and you'll never have to buy a new printer again.</p></htmltext>
<tokenext>You know what 's worth getting the extended warranty on ?
Ink jet printers , if you use them with any frequency.The home models are pure crap .
I can almost guarantee you that it will die within about 3 years .
It 'll break a roller , or get clogged with ink , or some stupid scrap of paper will get caught way down there , or some dumb thing .
The lights will blink in an unhelpful manner.Then you march down to the Worst Buy you got it from and get it serviced .
Except no one there has any knowledge , let alone knowledge of printers .
They ca n't fix it , and the thing is so damned disposable it is n't worth the freight to ship it back.They 'll punch some buttons then tell you it 'll be a few days to fix the thing .
If they ca n't , and they wo n't , you 'll get a new comparable printer as a replacement.When they give you that printer , offer to buy the extended warranty again .
It 'll cost you another $ 20 , but you 'll get a newer model , and it will come with a " full " set of cartridges.Do this right , and you 'll never have to buy a new printer again .</tokentext>
<sentencetext>You know what's worth getting the extended warranty on?
Ink jet printers, if you use them with any frequency.The home models are pure crap.
I can almost guarantee you that it will die within about 3 years.
It'll break a roller, or get clogged with ink, or some stupid scrap of paper will get caught way down there, or some dumb thing.
The lights will blink in an unhelpful manner.Then you march down to the Worst Buy you got it from and get it serviced.
Except no one there has any knowledge, let alone knowledge of printers.
They can't fix it, and the thing is so damned disposable it isn't worth the freight to ship it back.They'll punch some buttons then tell you it'll be a few days to fix the thing.
If they can't, and they won't, you'll get a new comparable printer as a replacement.When they give you that printer, offer to buy the extended warranty again.
It'll cost you another $20, but you'll get a newer model, and it will come with a "full" set of cartridges.Do this right, and you'll never have to buy a new printer again.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447626</id>
	<title>I bought one.</title>
	<author>Anonymous</author>
	<datestamp>1260905040000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>I bought a Toshiba 52" DLP from Best Buy in 2004 and got the $400 extended warranty, because at that time they covered all the lightbulbs.  They replaced the bulb 3 times, which more than covered the cost of the plan.  Then, about 8 months before the warranty ran out, the light engine went out, and Toshiba quit making the DLPs, so they couldn't replace the part.  I ended up with a 67" Samsung LED DLP as a replacement set.  Needless to say, I bought the warranty again.</p></htmltext>
<tokenext>I bought a Toshiba 52 " DLP from Best Buy in 2004 and got the $ 400 extended warranty , because at that time they covered all the lightbulbs .
They replaced the bulb 3 times , which more than covered the cost of the plan .
Then , about 8 months before the warranty ran out , the light engine went out , and Toshiba quit making the DLPs , so they could n't replace the part .
I ended up with a 67 " Samsung LED DLP as a replacement set .
Needless to say , I bought the warranty again .</tokentext>
<sentencetext>I bought a Toshiba 52" DLP from Best Buy in 2004 and got the $400 extended warranty, because at that time they covered all the lightbulbs.
They replaced the bulb 3 times, which more than covered the cost of the plan.
Then, about 8 months before the warranty ran out, the light engine went out, and Toshiba quit making the DLPs, so they couldn't replace the part.
I ended up with a 67" Samsung LED DLP as a replacement set.
Needless to say, I bought the warranty again.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442314</id>
	<title>There are things it's wise to insure</title>
	<author>Anonymous</author>
	<datestamp>1260879000000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>2</modscore>
	<htmltext><p>It's probably wise for someone to insure their TV (as that is all the Extended warranty is really) if it was rather expensive, but there are a few things that I will not purchase the warranty for, and have been pressured by sales people.</p><p>MP3 players (they're small, portable, likely to break, but honestly, you can buy a half decent one for 20 quid)<br>Digital Cameras (The home-market ones, not the Professional level ones.)<br>PCs and peripherals (Myself, personally, if shit goes wrong with my PC I know how to fix it, I don't need some tit 100 miles away replacing every component and wiping the OS when I know it's a driver issue)</p><p>Honestly, I got pressured by a bloke in Curry's about getting Extended warranty on a &pound;15 USB Mouse that cost twice as much as the mouse itself. I've been using it for 7 years and it's still perfectly fine (and it's by Microsoft<nobr> <wbr></nobr>:O)<br>Same with my MP3 player (5 years) and my phone (3 years so far, and only a bit of the front casings come loose, Sellotape FTW). My last phone fared less well, it lasted two months, but I *did* slam it in a car door. Accidents happen, but the phone only cost &pound;20 and it was PAYG so I only lost about &pound;3 in credit.</p></htmltext>
<tokenext>It 's probably wise for someone to insure their TV ( as that is all the Extended warranty is really ) if it was rather expensive , but there are a few things that I will not purchase the warranty for , and have been pressured by sales people.MP3 players ( they 're small , portable , likely to break , but honestly , you can buy a half decent one for 20 quid ) Digital Cameras ( The home-market ones , not the Professional level ones .
) PCs and peripherals ( Myself , personally , if shit goes wrong with my PC I know how to fix it , I do n't need some tit 100 miles away replacing every component and wiping the OS when I know it 's a driver issue ) Honestly , I got pressured by a bloke in Curry 's about getting Extended warranty on a   15 USB Mouse that cost twice as much as the mouse itself .
I 've been using it for 7 years and it 's still perfectly fine ( and it 's by Microsoft : O ) Same with my MP3 player ( 5 years ) and my phone ( 3 years so far , and only a bit of the front casings come loose , Sellotape FTW ) .
My last phone fared less well , it lasted two months , but I * did * slam it in a car door .
Accidents happen , but the phone only cost   20 and it was PAYG so I only lost about   3 in credit .</tokentext>
<sentencetext>It's probably wise for someone to insure their TV (as that is all the Extended warranty is really) if it was rather expensive, but there are a few things that I will not purchase the warranty for, and have been pressured by sales people.MP3 players (they're small, portable, likely to break, but honestly, you can buy a half decent one for 20 quid)Digital Cameras (The home-market ones, not the Professional level ones.
)PCs and peripherals (Myself, personally, if shit goes wrong with my PC I know how to fix it, I don't need some tit 100 miles away replacing every component and wiping the OS when I know it's a driver issue)Honestly, I got pressured by a bloke in Curry's about getting Extended warranty on a £15 USB Mouse that cost twice as much as the mouse itself.
I've been using it for 7 years and it's still perfectly fine (and it's by Microsoft :O)Same with my MP3 player (5 years) and my phone (3 years so far, and only a bit of the front casings come loose, Sellotape FTW).
My last phone fared less well, it lasted two months, but I *did* slam it in a car door.
Accidents happen, but the phone only cost £20 and it was PAYG so I only lost about £3 in credit.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442800</id>
	<title>It's about the sellers, as well as the buyers</title>
	<author>1sockchuck</author>
	<datestamp>1260884700000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>The increased sales of warranties are driven by the difficulties faced by electronics retailers. In an environment where there are fewer customers, stores look to increase the revenue per customer, and the easiest way to do that it to pressure sales associates to sell more warranties. It's an emotional decision<nobr> <wbr></nobr>... the conversation takes place at the checkout counter, and rarely in a context where the shopper can take time to make a reasoned, fact-based decision. The desire to get extended life out of the product is no doubt providing an incremental sales boost. But the upsell is getting more forceful, and that's certainly about the economic concerns about the retailer, not the consumer.</htmltext>
<tokenext>The increased sales of warranties are driven by the difficulties faced by electronics retailers .
In an environment where there are fewer customers , stores look to increase the revenue per customer , and the easiest way to do that it to pressure sales associates to sell more warranties .
It 's an emotional decision ... the conversation takes place at the checkout counter , and rarely in a context where the shopper can take time to make a reasoned , fact-based decision .
The desire to get extended life out of the product is no doubt providing an incremental sales boost .
But the upsell is getting more forceful , and that 's certainly about the economic concerns about the retailer , not the consumer .</tokentext>
<sentencetext>The increased sales of warranties are driven by the difficulties faced by electronics retailers.
In an environment where there are fewer customers, stores look to increase the revenue per customer, and the easiest way to do that it to pressure sales associates to sell more warranties.
It's an emotional decision ... the conversation takes place at the checkout counter, and rarely in a context where the shopper can take time to make a reasoned, fact-based decision.
The desire to get extended life out of the product is no doubt providing an incremental sales boost.
But the upsell is getting more forceful, and that's certainly about the economic concerns about the retailer, not the consumer.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442382</id>
	<title>Re:Not worth the money?</title>
	<author>pmontra</author>
	<datestamp>1260879780000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>2</modscore>
	<htmltext>Time also plays a role in the deal: I can have a technician repairing my pc in a day or go out and buy a new one and spend hours reinstalling everything. The cost of my time could be on par with the cost of the hardware.</htmltext>
<tokenext>Time also plays a role in the deal : I can have a technician repairing my pc in a day or go out and buy a new one and spend hours reinstalling everything .
The cost of my time could be on par with the cost of the hardware .</tokentext>
<sentencetext>Time also plays a role in the deal: I can have a technician repairing my pc in a day or go out and buy a new one and spend hours reinstalling everything.
The cost of my time could be on par with the cost of the hardware.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444190</id>
	<title>Not gonna buy them</title>
	<author>russotto</author>
	<datestamp>1260892920000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>On electronics, I think extended warranties are pretty much always a bad idea, because of the effective depreciattion.  I could have spent a few hundred for an extended warranty for my $3000 TV a few years ago.... but if it breaks today, worst case I can spend another less than $1000 for a better TV.  Same goes for computers; by the time the computer is out of its regular warranty, one can buy an equivalent or better model cheaper if it breaks.  So the possible payoff of the extended warranty is much less than would appear based on the retail price of the product.</p><p>For durable goods, a service contract might be a better idea, but in my case I'm reasonably confident of my ability to diagnose and repair a lot of the common things which go wrong, so I still skip them.  If you're not at all handy, the extended warranty might be worth it.</p><p>There's also the inconvenience.  Getting a new device is usually much easier than jumping through the hoops required to get warranty service.  And often faster, too.</p><p>And a lot of times, extended warranties (particularly when not from the manufacturer) are simply complete ripoffs.  For instance, I once got a digital watch as a gift, with extended warranty from the store (Sears, to name names).  Which in the small print excluded case, crystal, battery, and band.  Aside from the battery, that pretty much covers everything likely to break.  Sure enough, the case did break where it attached to the band -- not from abuse, either.  I brought it to the store and they pointed out the warranty didn't cover the band.  I pointed out the band was fine and it was just where it attached that it was broken... fortunately they didn't recognize that that was part of the case.</p></htmltext>
<tokenext>On electronics , I think extended warranties are pretty much always a bad idea , because of the effective depreciattion .
I could have spent a few hundred for an extended warranty for my $ 3000 TV a few years ago.... but if it breaks today , worst case I can spend another less than $ 1000 for a better TV .
Same goes for computers ; by the time the computer is out of its regular warranty , one can buy an equivalent or better model cheaper if it breaks .
So the possible payoff of the extended warranty is much less than would appear based on the retail price of the product.For durable goods , a service contract might be a better idea , but in my case I 'm reasonably confident of my ability to diagnose and repair a lot of the common things which go wrong , so I still skip them .
If you 're not at all handy , the extended warranty might be worth it.There 's also the inconvenience .
Getting a new device is usually much easier than jumping through the hoops required to get warranty service .
And often faster , too.And a lot of times , extended warranties ( particularly when not from the manufacturer ) are simply complete ripoffs .
For instance , I once got a digital watch as a gift , with extended warranty from the store ( Sears , to name names ) .
Which in the small print excluded case , crystal , battery , and band .
Aside from the battery , that pretty much covers everything likely to break .
Sure enough , the case did break where it attached to the band -- not from abuse , either .
I brought it to the store and they pointed out the warranty did n't cover the band .
I pointed out the band was fine and it was just where it attached that it was broken... fortunately they did n't recognize that that was part of the case .</tokentext>
<sentencetext>On electronics, I think extended warranties are pretty much always a bad idea, because of the effective depreciattion.
I could have spent a few hundred for an extended warranty for my $3000 TV a few years ago.... but if it breaks today, worst case I can spend another less than $1000 for a better TV.
Same goes for computers; by the time the computer is out of its regular warranty, one can buy an equivalent or better model cheaper if it breaks.
So the possible payoff of the extended warranty is much less than would appear based on the retail price of the product.For durable goods, a service contract might be a better idea, but in my case I'm reasonably confident of my ability to diagnose and repair a lot of the common things which go wrong, so I still skip them.
If you're not at all handy, the extended warranty might be worth it.There's also the inconvenience.
Getting a new device is usually much easier than jumping through the hoops required to get warranty service.
And often faster, too.And a lot of times, extended warranties (particularly when not from the manufacturer) are simply complete ripoffs.
For instance, I once got a digital watch as a gift, with extended warranty from the store (Sears, to name names).
Which in the small print excluded case, crystal, battery, and band.
Aside from the battery, that pretty much covers everything likely to break.
Sure enough, the case did break where it attached to the band -- not from abuse, either.
I brought it to the store and they pointed out the warranty didn't cover the band.
I pointed out the band was fine and it was just where it attached that it was broken... fortunately they didn't recognize that that was part of the case.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442480</id>
	<title>Most people are already protected under law...</title>
	<author>Anonymous</author>
	<datestamp>1260881040000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>In most countries there is a law like Australia's Trade Practices Act that allows you to return a defective item that is not "fit for purpose" to the retailer for a refund. Thus the problem of broken equipment is between the retailer and the manufacturer.</p><p>If the retailer arcs up, as they sometimes do, that's what the small claims court is for. They pretty much always find in favour of the consumer for reasonable claims.</p><p>I'm amazed to hear that the USA doesn't have this level of consumer protection.</p></htmltext>
<tokenext>In most countries there is a law like Australia 's Trade Practices Act that allows you to return a defective item that is not " fit for purpose " to the retailer for a refund .
Thus the problem of broken equipment is between the retailer and the manufacturer.If the retailer arcs up , as they sometimes do , that 's what the small claims court is for .
They pretty much always find in favour of the consumer for reasonable claims.I 'm amazed to hear that the USA does n't have this level of consumer protection .</tokentext>
<sentencetext>In most countries there is a law like Australia's Trade Practices Act that allows you to return a defective item that is not "fit for purpose" to the retailer for a refund.
Thus the problem of broken equipment is between the retailer and the manufacturer.If the retailer arcs up, as they sometimes do, that's what the small claims court is for.
They pretty much always find in favour of the consumer for reasonable claims.I'm amazed to hear that the USA doesn't have this level of consumer protection.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442896</id>
	<title>Check you state laws</title>
	<author>majesty2180</author>
	<datestamp>1260885660000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>This was mentioned in an earlier reply from a Slashdotter in Australia, but I live in the US (ME), and we have similar legislation.  We have a state law called the "Implied Warranty Act", where all goods, including used goods (except used cars, unless otherwise contracted by the seller), are protected for 4 years from date of purchase from manufacturing maladies.  This is to say, as long as the item is used normally from day to day, the manufacturer is responsible for the costs at a LOCAL repair facility.  For instance, my father has a 3 year old microwave (major brand over the range model) in which the magnetron went bad.  Since he is protected by this law, it cost him nothing but time to get the microwave repaired.</htmltext>
<tokenext>This was mentioned in an earlier reply from a Slashdotter in Australia , but I live in the US ( ME ) , and we have similar legislation .
We have a state law called the " Implied Warranty Act " , where all goods , including used goods ( except used cars , unless otherwise contracted by the seller ) , are protected for 4 years from date of purchase from manufacturing maladies .
This is to say , as long as the item is used normally from day to day , the manufacturer is responsible for the costs at a LOCAL repair facility .
For instance , my father has a 3 year old microwave ( major brand over the range model ) in which the magnetron went bad .
Since he is protected by this law , it cost him nothing but time to get the microwave repaired .</tokentext>
<sentencetext>This was mentioned in an earlier reply from a Slashdotter in Australia, but I live in the US (ME), and we have similar legislation.
We have a state law called the "Implied Warranty Act", where all goods, including used goods (except used cars, unless otherwise contracted by the seller), are protected for 4 years from date of purchase from manufacturing maladies.
This is to say, as long as the item is used normally from day to day, the manufacturer is responsible for the costs at a LOCAL repair facility.
For instance, my father has a 3 year old microwave (major brand over the range model) in which the magnetron went bad.
Since he is protected by this law, it cost him nothing but time to get the microwave repaired.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443440</id>
	<title>Another option for increaded coverage</title>
	<author>nolife</author>
	<datestamp>1260889380000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Use an AMEX card to pay for your stuff.  They doubles the factory warranty up to an additional year and provides 90 days of accidental breakage or loss.  I've used it several times to get stuff fixed and replaced.  The AMEX I have does not have a yearly fee and I pay it off every month so the additional cost for this coverage is nothing.  I know this is not the same as what some extended warranties offer but this is additional coverage and it is free.</p><p>I got screwed over by BestBuy on an extended warranty for a under cabinent microwave before so unless I can get the extended warranty for free or for a very small \% of purchase cost, I don't get them any more.</p><p>
&nbsp; &nbsp; &nbsp; &nbsp;</p></htmltext>
<tokenext>Use an AMEX card to pay for your stuff .
They doubles the factory warranty up to an additional year and provides 90 days of accidental breakage or loss .
I 've used it several times to get stuff fixed and replaced .
The AMEX I have does not have a yearly fee and I pay it off every month so the additional cost for this coverage is nothing .
I know this is not the same as what some extended warranties offer but this is additional coverage and it is free.I got screwed over by BestBuy on an extended warranty for a under cabinent microwave before so unless I can get the extended warranty for free or for a very small \ % of purchase cost , I do n't get them any more .
       </tokentext>
<sentencetext>Use an AMEX card to pay for your stuff.
They doubles the factory warranty up to an additional year and provides 90 days of accidental breakage or loss.
I've used it several times to get stuff fixed and replaced.
The AMEX I have does not have a yearly fee and I pay it off every month so the additional cost for this coverage is nothing.
I know this is not the same as what some extended warranties offer but this is additional coverage and it is free.I got screwed over by BestBuy on an extended warranty for a under cabinent microwave before so unless I can get the extended warranty for free or for a very small \% of purchase cost, I don't get them any more.
       </sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443444</id>
	<title>Where the hell do you go for pizza?</title>
	<author>standbypowerguy</author>
	<datestamp>1260889380000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>I could sure use some naked lady waitress action...</htmltext>
<tokenext>I could sure use some naked lady waitress action.. .</tokentext>
<sentencetext>I could sure use some naked lady waitress action...</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447658</id>
	<title>Re:My rule of thumb...</title>
	<author>Overzeetop</author>
	<datestamp>1260905220000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I usually go with the 5\%/3 year rule - if it costs less than 5\% per year to insure and I'll keep it more than 3 years, it's probably worth it.  Some things break, some don't. Anything more than $1000 is a fairly major purchase for me, and I'm pretty likely to consider insuring it beyond the original warranty period. It also depends on the cost of service. If something breaks in my car, I'm not out $20,000 - nor will it cost a significant fraction of $20,000 to fix. On the other hand, if my TV dies, it's a paperweight that will likely cost nearly it's entire current value to fix.  Anything that's less than $200 is almost certain to be a waste of warranty extension simply because of the cost of initiating the transaction.</p><p>Now, I will say that I bought an extended warranty with my last TV. It was a floor model, in good shape, and it was a good deal. I spent about 12\%/yr of the value of the TV for the warranty - way too much, and above my threshold. However, the terms of the warranty stated we would get warranty work done through the provider network, and it would be "in home" service. Also, I could cancel - for a full refund - any time before the manufacturer's warranty ran out. Well, I put the 360 mark (of the 1 year mfr warranty) in my planner. It turns out it did need service after about 3 months. TV cost - $800, Repair cost (2 visits - one to diagnose, one to install a new board) $750 with parts and labor at "rack" rates. I paid nothing, then canceled the service after 360 days, and a clean 9 months of operation. I lost the use of $229 for a year, but the few percent I might have made in that time was very cheap insurance for in-home service.</p><p>If I can, I'll likely buy an extended warranty on the camera I just got off ebay. It should run me $125 or so, and I don't have any other warranty (it's not new, so no automatic CC extension), and it would likely cost me upwards of $3k to replace with another used one.  I could replace it from cash reserves, but for $40/year I won't have to care.</p></htmltext>
<tokenext>I usually go with the 5 \ % /3 year rule - if it costs less than 5 \ % per year to insure and I 'll keep it more than 3 years , it 's probably worth it .
Some things break , some do n't .
Anything more than $ 1000 is a fairly major purchase for me , and I 'm pretty likely to consider insuring it beyond the original warranty period .
It also depends on the cost of service .
If something breaks in my car , I 'm not out $ 20,000 - nor will it cost a significant fraction of $ 20,000 to fix .
On the other hand , if my TV dies , it 's a paperweight that will likely cost nearly it 's entire current value to fix .
Anything that 's less than $ 200 is almost certain to be a waste of warranty extension simply because of the cost of initiating the transaction.Now , I will say that I bought an extended warranty with my last TV .
It was a floor model , in good shape , and it was a good deal .
I spent about 12 \ % /yr of the value of the TV for the warranty - way too much , and above my threshold .
However , the terms of the warranty stated we would get warranty work done through the provider network , and it would be " in home " service .
Also , I could cancel - for a full refund - any time before the manufacturer 's warranty ran out .
Well , I put the 360 mark ( of the 1 year mfr warranty ) in my planner .
It turns out it did need service after about 3 months .
TV cost - $ 800 , Repair cost ( 2 visits - one to diagnose , one to install a new board ) $ 750 with parts and labor at " rack " rates .
I paid nothing , then canceled the service after 360 days , and a clean 9 months of operation .
I lost the use of $ 229 for a year , but the few percent I might have made in that time was very cheap insurance for in-home service.If I can , I 'll likely buy an extended warranty on the camera I just got off ebay .
It should run me $ 125 or so , and I do n't have any other warranty ( it 's not new , so no automatic CC extension ) , and it would likely cost me upwards of $ 3k to replace with another used one .
I could replace it from cash reserves , but for $ 40/year I wo n't have to care .</tokentext>
<sentencetext>I usually go with the 5\%/3 year rule - if it costs less than 5\% per year to insure and I'll keep it more than 3 years, it's probably worth it.
Some things break, some don't.
Anything more than $1000 is a fairly major purchase for me, and I'm pretty likely to consider insuring it beyond the original warranty period.
It also depends on the cost of service.
If something breaks in my car, I'm not out $20,000 - nor will it cost a significant fraction of $20,000 to fix.
On the other hand, if my TV dies, it's a paperweight that will likely cost nearly it's entire current value to fix.
Anything that's less than $200 is almost certain to be a waste of warranty extension simply because of the cost of initiating the transaction.Now, I will say that I bought an extended warranty with my last TV.
It was a floor model, in good shape, and it was a good deal.
I spent about 12\%/yr of the value of the TV for the warranty - way too much, and above my threshold.
However, the terms of the warranty stated we would get warranty work done through the provider network, and it would be "in home" service.
Also, I could cancel - for a full refund - any time before the manufacturer's warranty ran out.
Well, I put the 360 mark (of the 1 year mfr warranty) in my planner.
It turns out it did need service after about 3 months.
TV cost - $800, Repair cost (2 visits - one to diagnose, one to install a new board) $750 with parts and labor at "rack" rates.
I paid nothing, then canceled the service after 360 days, and a clean 9 months of operation.
I lost the use of $229 for a year, but the few percent I might have made in that time was very cheap insurance for in-home service.If I can, I'll likely buy an extended warranty on the camera I just got off ebay.
It should run me $125 or so, and I don't have any other warranty (it's not new, so no automatic CC extension), and it would likely cost me upwards of $3k to replace with another used one.
I could replace it from cash reserves, but for $40/year I won't have to care.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442296</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444710</id>
	<title>Re:You get what you pay for</title>
	<author>FatdogHaiku</author>
	<datestamp>1260895200000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Pizza analogies make me hungry, can you please use an automotive metaphor? And anytime you have ham and pineapple, toss in some sliced pickled jalapeno peppers (nacho style peppers) to really get things rockin'</htmltext>
<tokenext>Pizza analogies make me hungry , can you please use an automotive metaphor ?
And anytime you have ham and pineapple , toss in some sliced pickled jalapeno peppers ( nacho style peppers ) to really get things rockin'</tokentext>
<sentencetext>Pizza analogies make me hungry, can you please use an automotive metaphor?
And anytime you have ham and pineapple, toss in some sliced pickled jalapeno peppers (nacho style peppers) to really get things rockin'</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442228</id>
	<title>It's the recession</title>
	<author>Anonymous</author>
	<datestamp>1260877680000</datestamp>
	<modclass>Troll</modclass>
	<modscore>1</modscore>
	<htmltext>Everyone feels their dollar is worth more now that the economy is crap. So they think they're doing the smart thing by protection their already expensive purchase but they're just wasting their money.
<br> <br>
Extended warranties are like lottery tickets in that the poor and stupid buy 'em up like they're going out of style.</htmltext>
<tokenext>Everyone feels their dollar is worth more now that the economy is crap .
So they think they 're doing the smart thing by protection their already expensive purchase but they 're just wasting their money .
Extended warranties are like lottery tickets in that the poor and stupid buy 'em up like they 're going out of style .</tokentext>
<sentencetext>Everyone feels their dollar is worth more now that the economy is crap.
So they think they're doing the smart thing by protection their already expensive purchase but they're just wasting their money.
Extended warranties are like lottery tickets in that the poor and stupid buy 'em up like they're going out of style.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088</id>
	<title>You get what you pay for</title>
	<author>PizzaAnalogyGuy</author>
	<datestamp>1260876180000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>0</modscore>
	<htmltext>It makes sense really.<br>
<br>
If you want better service and better quality, you pay a little more. Those who dont, get the main product a little bit cheaper, but not with the extra services it comes with. You pay more to be a premium customer.<br>
<br>
This is best illustrated with a good example; Everyone of us go for a pizza sometimes. Many of us go to where the pizza is cheap, even if you know it's not really the best you can get. But it's good enough. However some of us want to go for the extra mile and spend a few dollars more to get really quality service. In those cases you won't be hearing "we're out of ham" or "sorry, we don't serve barbeque sauce with our pizzas". Pay a little bit extra and you get the best service and best ingredients without hearing they don't have them. And the customer support is a lot better - there's no any angry fat italian cook looking and yelling at you and throwing you out of the pizza place if you don't celebrate his pizza's taste. Instead, there's naked ladies serving you the pizzas, lovely and peaceful italian music and live performance. And everyone smiles and as a result you will be happier than ever, and have enjoyed the best pizza in the world, filled with bacon, ham, pineapple and barbeque sauce.<br>
<br>
You get what you pay for.</htmltext>
<tokenext>It makes sense really .
If you want better service and better quality , you pay a little more .
Those who dont , get the main product a little bit cheaper , but not with the extra services it comes with .
You pay more to be a premium customer .
This is best illustrated with a good example ; Everyone of us go for a pizza sometimes .
Many of us go to where the pizza is cheap , even if you know it 's not really the best you can get .
But it 's good enough .
However some of us want to go for the extra mile and spend a few dollars more to get really quality service .
In those cases you wo n't be hearing " we 're out of ham " or " sorry , we do n't serve barbeque sauce with our pizzas " .
Pay a little bit extra and you get the best service and best ingredients without hearing they do n't have them .
And the customer support is a lot better - there 's no any angry fat italian cook looking and yelling at you and throwing you out of the pizza place if you do n't celebrate his pizza 's taste .
Instead , there 's naked ladies serving you the pizzas , lovely and peaceful italian music and live performance .
And everyone smiles and as a result you will be happier than ever , and have enjoyed the best pizza in the world , filled with bacon , ham , pineapple and barbeque sauce .
You get what you pay for .</tokentext>
<sentencetext>It makes sense really.
If you want better service and better quality, you pay a little more.
Those who dont, get the main product a little bit cheaper, but not with the extra services it comes with.
You pay more to be a premium customer.
This is best illustrated with a good example; Everyone of us go for a pizza sometimes.
Many of us go to where the pizza is cheap, even if you know it's not really the best you can get.
But it's good enough.
However some of us want to go for the extra mile and spend a few dollars more to get really quality service.
In those cases you won't be hearing "we're out of ham" or "sorry, we don't serve barbeque sauce with our pizzas".
Pay a little bit extra and you get the best service and best ingredients without hearing they don't have them.
And the customer support is a lot better - there's no any angry fat italian cook looking and yelling at you and throwing you out of the pizza place if you don't celebrate his pizza's taste.
Instead, there's naked ladies serving you the pizzas, lovely and peaceful italian music and live performance.
And everyone smiles and as a result you will be happier than ever, and have enjoyed the best pizza in the world, filled with bacon, ham, pineapple and barbeque sauce.
You get what you pay for.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442106</id>
	<title>ohyeah</title>
	<author>Anonymous</author>
	<datestamp>1260876360000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>woohoo. smart idea</p></htmltext>
<tokenext>woohoo .
smart idea</tokentext>
<sentencetext>woohoo.
smart idea</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447470</id>
	<title>Most post seem pretty myopic when it comes</title>
	<author>geekoid</author>
	<datestamp>1260904440000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>to extended warranties.</p><p>There value depends on several factors:<br>Cost of the warranty, Service, Cost of the item being purchased, and risk they item you buy will break in a manner covered by the warranty.</p><p>Some example:<br>I have an extended warranty on my Big Screen TV. The warranty cost 100 bucks. It covers pretty much everything, including my kids hucks a Wii controller at it, or it falling off the stand. Pretty much everything. If it breaks it gets replaced.<br>Since I have an active household, Two kids ages 9 and 11 plus a lot of their friends, plus a lot of my gaming friends.</p><p>Looking at the risk v. reward it was worth it to me.<br>If I lived alone, probably wouldn't have gotten the extended warranty.</p><p>One of the 2 times I bought a pre-built PC was from CompUSA*. I bought the extended warranty. Why? because it was 30 bucks and covered 5 years. (this was in '97). 4 year later my computer wasn't functioning properly. I shipped it to them and they shipped a new top of the line model back. All at their expense. Again the risk reward was good.</p><p>I have had people try to sell me extended warranties which is exactly  that, a manufacturers warranty with an extended deadline. Those are almost always a waste.</p><p>*It was a fantastic deal, and to this say I still suspect it was mistakenly reduced 80\%</p></htmltext>
<tokenext>to extended warranties.There value depends on several factors : Cost of the warranty , Service , Cost of the item being purchased , and risk they item you buy will break in a manner covered by the warranty.Some example : I have an extended warranty on my Big Screen TV .
The warranty cost 100 bucks .
It covers pretty much everything , including my kids hucks a Wii controller at it , or it falling off the stand .
Pretty much everything .
If it breaks it gets replaced.Since I have an active household , Two kids ages 9 and 11 plus a lot of their friends , plus a lot of my gaming friends.Looking at the risk v. reward it was worth it to me.If I lived alone , probably would n't have gotten the extended warranty.One of the 2 times I bought a pre-built PC was from CompUSA * .
I bought the extended warranty .
Why ? because it was 30 bucks and covered 5 years .
( this was in '97 ) .
4 year later my computer was n't functioning properly .
I shipped it to them and they shipped a new top of the line model back .
All at their expense .
Again the risk reward was good.I have had people try to sell me extended warranties which is exactly that , a manufacturers warranty with an extended deadline .
Those are almost always a waste .
* It was a fantastic deal , and to this say I still suspect it was mistakenly reduced 80 \ %</tokentext>
<sentencetext>to extended warranties.There value depends on several factors:Cost of the warranty, Service, Cost of the item being purchased, and risk they item you buy will break in a manner covered by the warranty.Some example:I have an extended warranty on my Big Screen TV.
The warranty cost 100 bucks.
It covers pretty much everything, including my kids hucks a Wii controller at it, or it falling off the stand.
Pretty much everything.
If it breaks it gets replaced.Since I have an active household, Two kids ages 9 and 11 plus a lot of their friends, plus a lot of my gaming friends.Looking at the risk v. reward it was worth it to me.If I lived alone, probably wouldn't have gotten the extended warranty.One of the 2 times I bought a pre-built PC was from CompUSA*.
I bought the extended warranty.
Why? because it was 30 bucks and covered 5 years.
(this was in '97).
4 year later my computer wasn't functioning properly.
I shipped it to them and they shipped a new top of the line model back.
All at their expense.
Again the risk reward was good.I have had people try to sell me extended warranties which is exactly  that, a manufacturers warranty with an extended deadline.
Those are almost always a waste.
*It was a fantastic deal, and to this say I still suspect it was mistakenly reduced 80\%</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442756</id>
	<title>Re:Not worth the money?</title>
	<author>Anonymous</author>
	<datestamp>1260884280000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Whether or not it is useful is not the entire question.  The extended warranty is a gimmick used by retailers to increase profits without giving the consumer something of equal value in return.  If an independent insurance agency were to offer extended warranties on consumer appliances based on accurate statistics, they would not cost nearly as much.</p><p>There is no way to avoid the reality.  With extended warranties the customer is getting scalped.</p></htmltext>
<tokenext>Whether or not it is useful is not the entire question .
The extended warranty is a gimmick used by retailers to increase profits without giving the consumer something of equal value in return .
If an independent insurance agency were to offer extended warranties on consumer appliances based on accurate statistics , they would not cost nearly as much.There is no way to avoid the reality .
With extended warranties the customer is getting scalped .</tokentext>
<sentencetext>Whether or not it is useful is not the entire question.
The extended warranty is a gimmick used by retailers to increase profits without giving the consumer something of equal value in return.
If an independent insurance agency were to offer extended warranties on consumer appliances based on accurate statistics, they would not cost nearly as much.There is no way to avoid the reality.
With extended warranties the customer is getting scalped.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30457922</id>
	<title>Re:Not worth the money?</title>
	<author>Anonymous</author>
	<datestamp>1259684340000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Yes. It was useless.</p><p>Home insurance is different: 1) It's required by your mortgage company, 2) It also covers liability, and 3) Replacing a home and contents out of your savings isn't usually possible.</p><p>None of that applies to appliances. If an appliance needs enough repairs to justify the cost of an extended warranty, I'd rather replace the appliance with something reliable. That warranty isn't going to replace all the food in your frig that decided to stop cooling.</p><p>No company prices any product below profit margins.</p></htmltext>
<tokenext>Yes .
It was useless.Home insurance is different : 1 ) It 's required by your mortgage company , 2 ) It also covers liability , and 3 ) Replacing a home and contents out of your savings is n't usually possible.None of that applies to appliances .
If an appliance needs enough repairs to justify the cost of an extended warranty , I 'd rather replace the appliance with something reliable .
That warranty is n't going to replace all the food in your frig that decided to stop cooling.No company prices any product below profit margins .</tokentext>
<sentencetext>Yes.
It was useless.Home insurance is different: 1) It's required by your mortgage company, 2) It also covers liability, and 3) Replacing a home and contents out of your savings isn't usually possible.None of that applies to appliances.
If an appliance needs enough repairs to justify the cost of an extended warranty, I'd rather replace the appliance with something reliable.
That warranty isn't going to replace all the food in your frig that decided to stop cooling.No company prices any product below profit margins.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442390</id>
	<title>Why extended warranties are useless</title>
	<author>Cereal Box</author>
	<datestamp>1260879900000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>5</modscore>
	<htmltext><p>It's not usually explained in articles like these, but extended warranties are useless because the product reliability tends to follow a "bathtub model".  If you chart the number of expected repairs a product (y-axis) against time (x-axis), you'll see a large number of them initially (i.e., initial product failure) which quickly slopes downward towards zero and plateaus for several years.  Then, many years out, you'll see that number quickly ramp up again (i.e., end of life product failure).  Extended warranties aren't for that period of time, they're for the period of time when product reliability is highest.</p></htmltext>
<tokenext>It 's not usually explained in articles like these , but extended warranties are useless because the product reliability tends to follow a " bathtub model " .
If you chart the number of expected repairs a product ( y-axis ) against time ( x-axis ) , you 'll see a large number of them initially ( i.e. , initial product failure ) which quickly slopes downward towards zero and plateaus for several years .
Then , many years out , you 'll see that number quickly ramp up again ( i.e. , end of life product failure ) .
Extended warranties are n't for that period of time , they 're for the period of time when product reliability is highest .</tokentext>
<sentencetext>It's not usually explained in articles like these, but extended warranties are useless because the product reliability tends to follow a "bathtub model".
If you chart the number of expected repairs a product (y-axis) against time (x-axis), you'll see a large number of them initially (i.e., initial product failure) which quickly slopes downward towards zero and plateaus for several years.
Then, many years out, you'll see that number quickly ramp up again (i.e., end of life product failure).
Extended warranties aren't for that period of time, they're for the period of time when product reliability is highest.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30445026</id>
	<title>Re:Not worth the money?</title>
	<author>doulos05</author>
	<datestamp>1260896400000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Mod up parent!</p><p>To me, it's a question of economics. And for those sorts of questions, I go to people who know something about how it works, rich people. Particularly rich people who made it rich when they were young and managed to hold on to that money. I know a few of those, and none of them buy extended warranties on products, they self-insure. Granted, they have the money to do so. But, if you buy 2-3 extended warranties per year (that's $400-600/year), you could drop all that in a savings account and afford to replace 1 of those 3 big-ticket items every 3 years (I'm assuming a warranty is 10\% of the sticker cost), which is probably how many times those extended warranties would have to completely replace your product. And that's full replacement mind you, that doesn't account for when it just needs a $100 or $200 repair, which if that is all you needed, you can do that 3-6 times a year.</p><p>Sure, there will be some bad years, but that's why you have a general emergency fund as well to soak those losses. And, all that money is sitting in <b>your</b> bank account earning <b>you</b> interest (keep it in the right kind of account and it could earn anywhere from 8-12\% and still be accessible like a checking account), not some big insurance company.</p></htmltext>
<tokenext>Mod up parent ! To me , it 's a question of economics .
And for those sorts of questions , I go to people who know something about how it works , rich people .
Particularly rich people who made it rich when they were young and managed to hold on to that money .
I know a few of those , and none of them buy extended warranties on products , they self-insure .
Granted , they have the money to do so .
But , if you buy 2-3 extended warranties per year ( that 's $ 400-600/year ) , you could drop all that in a savings account and afford to replace 1 of those 3 big-ticket items every 3 years ( I 'm assuming a warranty is 10 \ % of the sticker cost ) , which is probably how many times those extended warranties would have to completely replace your product .
And that 's full replacement mind you , that does n't account for when it just needs a $ 100 or $ 200 repair , which if that is all you needed , you can do that 3-6 times a year.Sure , there will be some bad years , but that 's why you have a general emergency fund as well to soak those losses .
And , all that money is sitting in your bank account earning you interest ( keep it in the right kind of account and it could earn anywhere from 8-12 \ % and still be accessible like a checking account ) , not some big insurance company .</tokentext>
<sentencetext>Mod up parent!To me, it's a question of economics.
And for those sorts of questions, I go to people who know something about how it works, rich people.
Particularly rich people who made it rich when they were young and managed to hold on to that money.
I know a few of those, and none of them buy extended warranties on products, they self-insure.
Granted, they have the money to do so.
But, if you buy 2-3 extended warranties per year (that's $400-600/year), you could drop all that in a savings account and afford to replace 1 of those 3 big-ticket items every 3 years (I'm assuming a warranty is 10\% of the sticker cost), which is probably how many times those extended warranties would have to completely replace your product.
And that's full replacement mind you, that doesn't account for when it just needs a $100 or $200 repair, which if that is all you needed, you can do that 3-6 times a year.Sure, there will be some bad years, but that's why you have a general emergency fund as well to soak those losses.
And, all that money is sitting in your bank account earning you interest (keep it in the right kind of account and it could earn anywhere from 8-12\% and still be accessible like a checking account), not some big insurance company.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30446860</id>
	<title>Re:You get what you pay for</title>
	<author>geekoid</author>
	<datestamp>1260902340000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Ironically, I ahve found there is no correlation between price and pizza quality.</p></htmltext>
<tokenext>Ironically , I ahve found there is no correlation between price and pizza quality .</tokentext>
<sentencetext>Ironically, I ahve found there is no correlation between price and pizza quality.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443580</id>
	<title>Any Decent Warranty Companies Out There?</title>
	<author>Slashdot Parent</author>
	<datestamp>1260890100000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>2</modscore>
	<htmltext><p>Are there any decent warranty companies out there, other than the rip-off ones that the Best Buy clerk is hawking, that deliver good value at a fair price?</p><p>I could see paying for one that would come to my home to fix big-ticket items, like the HDTV example in the summary.</p></htmltext>
<tokenext>Are there any decent warranty companies out there , other than the rip-off ones that the Best Buy clerk is hawking , that deliver good value at a fair price ? I could see paying for one that would come to my home to fix big-ticket items , like the HDTV example in the summary .</tokentext>
<sentencetext>Are there any decent warranty companies out there, other than the rip-off ones that the Best Buy clerk is hawking, that deliver good value at a fair price?I could see paying for one that would come to my home to fix big-ticket items, like the HDTV example in the summary.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442358</id>
	<title>Applecare is worth it</title>
	<author>Anonymous</author>
	<datestamp>1260879600000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>3</modscore>
	<htmltext><p>I've purchased extended warranties on prefab PCs before, from BestBuy, CompUSA, and Frys over the years and sort of felt cheated at the end. Not because the machines didn't break, but because I violated at least 10 stipulations in the warranty contract by year 1. Things like breaking the seal and popping in all kinds of hardware inside of it; replacing original parts with better parts, wiping the HDD (along with backups) and dual booting it, etc.</p><p>I could never take the frankenPC to the store and ask for any warranty. The nature of the scam in these retarded contracts is that they require you keep all kinds of things intact, plus have the warranty papers, the original sales receipt, and the same OS it shipped with.</p><p>With Apple you have the serial stamped on the hardware and inside the magic ROM thingie. Take it to the store and they'll punch it in and make the necessary repairs. And they try to fuck you over like the BestBuys of the world do, or ask you to "restore from Tiger" when Snow Leopard is the new cool thing.</p></htmltext>
<tokenext>I 've purchased extended warranties on prefab PCs before , from BestBuy , CompUSA , and Frys over the years and sort of felt cheated at the end .
Not because the machines did n't break , but because I violated at least 10 stipulations in the warranty contract by year 1 .
Things like breaking the seal and popping in all kinds of hardware inside of it ; replacing original parts with better parts , wiping the HDD ( along with backups ) and dual booting it , etc.I could never take the frankenPC to the store and ask for any warranty .
The nature of the scam in these retarded contracts is that they require you keep all kinds of things intact , plus have the warranty papers , the original sales receipt , and the same OS it shipped with.With Apple you have the serial stamped on the hardware and inside the magic ROM thingie .
Take it to the store and they 'll punch it in and make the necessary repairs .
And they try to fuck you over like the BestBuys of the world do , or ask you to " restore from Tiger " when Snow Leopard is the new cool thing .</tokentext>
<sentencetext>I've purchased extended warranties on prefab PCs before, from BestBuy, CompUSA, and Frys over the years and sort of felt cheated at the end.
Not because the machines didn't break, but because I violated at least 10 stipulations in the warranty contract by year 1.
Things like breaking the seal and popping in all kinds of hardware inside of it; replacing original parts with better parts, wiping the HDD (along with backups) and dual booting it, etc.I could never take the frankenPC to the store and ask for any warranty.
The nature of the scam in these retarded contracts is that they require you keep all kinds of things intact, plus have the warranty papers, the original sales receipt, and the same OS it shipped with.With Apple you have the serial stamped on the hardware and inside the magic ROM thingie.
Take it to the store and they'll punch it in and make the necessary repairs.
And they try to fuck you over like the BestBuys of the world do, or ask you to "restore from Tiger" when Snow Leopard is the new cool thing.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443702</id>
	<title>Re:Not worth the money?</title>
	<author>CrimsonAvenger</author>
	<datestamp>1260890760000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><blockquote><div><p>If I buy a device and it doesn't break, is the extended warranty useless?
</p><p>I don't think so. The whole point is that \_if\_ I have a bad device I can get it repaired. Peace of mind has value too.</p></div></blockquote><p>My wife once worked in a place that sold extended warranties for electronic devices.  She told me at the time that the reason they were pushed by the retailers is because the profit margin on them is incredibly high - they're expensive, and they almost never are needed....</p></div>
	</htmltext>
<tokenext>If I buy a device and it does n't break , is the extended warranty useless ?
I do n't think so .
The whole point is that \ _if \ _ I have a bad device I can get it repaired .
Peace of mind has value too.My wife once worked in a place that sold extended warranties for electronic devices .
She told me at the time that the reason they were pushed by the retailers is because the profit margin on them is incredibly high - they 're expensive , and they almost never are needed... .</tokentext>
<sentencetext>If I buy a device and it doesn't break, is the extended warranty useless?
I don't think so.
The whole point is that \_if\_ I have a bad device I can get it repaired.
Peace of mind has value too.My wife once worked in a place that sold extended warranties for electronic devices.
She told me at the time that the reason they were pushed by the retailers is because the profit margin on them is incredibly high - they're expensive, and they almost never are needed....
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442812</id>
	<title>Re:Why extended warranties are useless</title>
	<author>Anonymous</author>
	<datestamp>1260884880000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>If I can have piece of mind for three years for a couple hundred bucks, I'm okay with that.</htmltext>
<tokenext>If I can have piece of mind for three years for a couple hundred bucks , I 'm okay with that .</tokentext>
<sentencetext>If I can have piece of mind for three years for a couple hundred bucks, I'm okay with that.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442390</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443056</id>
	<title>Re:Not worth the money?</title>
	<author>Xest</author>
	<datestamp>1260887040000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>2</modscore>
	<htmltext><p>It's interesting to see the different perspective here on Slashdot to that I'm used to in the UK.</p><p>Here in the UK, if a product breaks in an unreasonable timeframe, you don't have to worry about having a warranty to cover you, if the product was not fit to last it's reasonable lifetime (say, 5 years for something like a DVD player) then you have a right to replacement or repair. The caveat is that after the first 6 months it's upto you to prove you didn't break it, but for electrical goods this is a fairly trivial case of getting an electrician from a repair shop to just write you a quick note stating that's the case. Most retailers wont bother you with this though if it occurs within say, the first 3 years or so and I've never heard a case of them challenging a replacement/repair request within the first year or so for electronic gadgets and such. In the first 6 months they can only challenge the replacement if you're clearly at fault for the damage (i.e. if the gadget has coke all over it for example), otherwise it's upto you to choose whether you want a replacement/repair, or simply a refund for that period.</p><p>So in the UK, I wouldn't buy an extended warranty for peace of mind, because I have peace of mind that if I look after my product properly then I'm not going to be shelling out for a repair anyway.</p><p>To me this system makes sense, to put the onus on the manufacturer to produce quality products, else you're just encouraging companies to sell shit products so that they can sell you the extended warranty to go with it. They might as well produce quality products for the UK market because they'll only end up shouldering the costs anyway. You're also leaving the door open for dodgy extended warranties that companies try and get out of fulfilling despite you having paid for them due to hidden clauses and such, but when it's law they have little choice but to adhere.</p><p>The only reason I'd pay for one in the UK is if I suspected there might be a risk of accidental damage on my behalf, the only thing I can think of in that respect might be my phone if I accidently dropped it, but even that I don't pay for insurance on and take the risk, one day it may come back to bite me, but the amount I'll have saved in not paying it will more than cover the cost of buying a new handset anyway.</p></htmltext>
<tokenext>It 's interesting to see the different perspective here on Slashdot to that I 'm used to in the UK.Here in the UK , if a product breaks in an unreasonable timeframe , you do n't have to worry about having a warranty to cover you , if the product was not fit to last it 's reasonable lifetime ( say , 5 years for something like a DVD player ) then you have a right to replacement or repair .
The caveat is that after the first 6 months it 's upto you to prove you did n't break it , but for electrical goods this is a fairly trivial case of getting an electrician from a repair shop to just write you a quick note stating that 's the case .
Most retailers wont bother you with this though if it occurs within say , the first 3 years or so and I 've never heard a case of them challenging a replacement/repair request within the first year or so for electronic gadgets and such .
In the first 6 months they can only challenge the replacement if you 're clearly at fault for the damage ( i.e .
if the gadget has coke all over it for example ) , otherwise it 's upto you to choose whether you want a replacement/repair , or simply a refund for that period.So in the UK , I would n't buy an extended warranty for peace of mind , because I have peace of mind that if I look after my product properly then I 'm not going to be shelling out for a repair anyway.To me this system makes sense , to put the onus on the manufacturer to produce quality products , else you 're just encouraging companies to sell shit products so that they can sell you the extended warranty to go with it .
They might as well produce quality products for the UK market because they 'll only end up shouldering the costs anyway .
You 're also leaving the door open for dodgy extended warranties that companies try and get out of fulfilling despite you having paid for them due to hidden clauses and such , but when it 's law they have little choice but to adhere.The only reason I 'd pay for one in the UK is if I suspected there might be a risk of accidental damage on my behalf , the only thing I can think of in that respect might be my phone if I accidently dropped it , but even that I do n't pay for insurance on and take the risk , one day it may come back to bite me , but the amount I 'll have saved in not paying it will more than cover the cost of buying a new handset anyway .</tokentext>
<sentencetext>It's interesting to see the different perspective here on Slashdot to that I'm used to in the UK.Here in the UK, if a product breaks in an unreasonable timeframe, you don't have to worry about having a warranty to cover you, if the product was not fit to last it's reasonable lifetime (say, 5 years for something like a DVD player) then you have a right to replacement or repair.
The caveat is that after the first 6 months it's upto you to prove you didn't break it, but for electrical goods this is a fairly trivial case of getting an electrician from a repair shop to just write you a quick note stating that's the case.
Most retailers wont bother you with this though if it occurs within say, the first 3 years or so and I've never heard a case of them challenging a replacement/repair request within the first year or so for electronic gadgets and such.
In the first 6 months they can only challenge the replacement if you're clearly at fault for the damage (i.e.
if the gadget has coke all over it for example), otherwise it's upto you to choose whether you want a replacement/repair, or simply a refund for that period.So in the UK, I wouldn't buy an extended warranty for peace of mind, because I have peace of mind that if I look after my product properly then I'm not going to be shelling out for a repair anyway.To me this system makes sense, to put the onus on the manufacturer to produce quality products, else you're just encouraging companies to sell shit products so that they can sell you the extended warranty to go with it.
They might as well produce quality products for the UK market because they'll only end up shouldering the costs anyway.
You're also leaving the door open for dodgy extended warranties that companies try and get out of fulfilling despite you having paid for them due to hidden clauses and such, but when it's law they have little choice but to adhere.The only reason I'd pay for one in the UK is if I suspected there might be a risk of accidental damage on my behalf, the only thing I can think of in that respect might be my phone if I accidently dropped it, but even that I don't pay for insurance on and take the risk, one day it may come back to bite me, but the amount I'll have saved in not paying it will more than cover the cost of buying a new handset anyway.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443280</id>
	<title>Re:Why extended warranties are useless</title>
	<author>Stenchwarrior</author>
	<datestamp>1260888540000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Is the extended warranty still useless if I only pay 50\% of the "new" price on a "opened item" that's been refurbished or was on display? I get the same protection that a consumer would get if they bought a new product but I pay a fraction of the price for something that, with the warranty, is as good as new. Wouldn't the end of life on an opened item make the bathtub shorter and thus fall within the protected time line?</htmltext>
<tokenext>Is the extended warranty still useless if I only pay 50 \ % of the " new " price on a " opened item " that 's been refurbished or was on display ?
I get the same protection that a consumer would get if they bought a new product but I pay a fraction of the price for something that , with the warranty , is as good as new .
Would n't the end of life on an opened item make the bathtub shorter and thus fall within the protected time line ?</tokentext>
<sentencetext>Is the extended warranty still useless if I only pay 50\% of the "new" price on a "opened item" that's been refurbished or was on display?
I get the same protection that a consumer would get if they bought a new product but I pay a fraction of the price for something that, with the warranty, is as good as new.
Wouldn't the end of life on an opened item make the bathtub shorter and thus fall within the protected time line?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442390</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442348</id>
	<title>Sample selection bias?</title>
	<author>Anonymous</author>
	<datestamp>1260879540000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>A recession will knock out the marginal purchasers, but those rich enough to purchase it could also be risk averse.</p><p>As the tide moves out, the barnacles appear to move up the jetty post.</p></htmltext>
<tokenext>A recession will knock out the marginal purchasers , but those rich enough to purchase it could also be risk averse.As the tide moves out , the barnacles appear to move up the jetty post .</tokentext>
<sentencetext>A recession will knock out the marginal purchasers, but those rich enough to purchase it could also be risk averse.As the tide moves out, the barnacles appear to move up the jetty post.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30446330</id>
	<title>Re:You get what you pay for</title>
	<author>cptdondo</author>
	<datestamp>1260900720000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>2</modscore>
	<htmltext><p>I bought a $320 printer recently.  The seller offered an extended warranty for $80.  This warranty covered years 2 and 3; it kicks in only after the manufacturer's warranty expires.</p><p>So do the math.  320/80 = 4; the warranty costs me 25\% of the replacement cost of the product.  Or, I'm betting at 1:4 odds that the machine will become useless sometime between 2 and 3 years old.</p><p>Now this is a name-brand product, aimed at office workgroups with a duty cycle of a thousand or or so pages per month.  My use will be perhaps a thousand pages a year.  The printer sits in a hope office, in an area with few electrical storms, in a controlled environment.</p><p>I'm not willing to take a 1:4 bet.  At a guess, 75\% of the price of the warranty goes to the retailer, with perhaps 25\% going to the warranty itself.</p><p>I'd take the bet at, say, $20.</p><p>I bought an R/C boat for my son at Toys-R-Us; it cost $50 and they offered a full replacement, no questions asked warranty for one year for $3.  I bought it.  50/3 = 17; chances are pretty good that my son will trash the boat in one year. (Actually, he didn't; I did.  But we got it replaced.)</p><p>So it's a question of which side of the bet you are willing to take.</p></htmltext>
<tokenext>I bought a $ 320 printer recently .
The seller offered an extended warranty for $ 80 .
This warranty covered years 2 and 3 ; it kicks in only after the manufacturer 's warranty expires.So do the math .
320/80 = 4 ; the warranty costs me 25 \ % of the replacement cost of the product .
Or , I 'm betting at 1 : 4 odds that the machine will become useless sometime between 2 and 3 years old.Now this is a name-brand product , aimed at office workgroups with a duty cycle of a thousand or or so pages per month .
My use will be perhaps a thousand pages a year .
The printer sits in a hope office , in an area with few electrical storms , in a controlled environment.I 'm not willing to take a 1 : 4 bet .
At a guess , 75 \ % of the price of the warranty goes to the retailer , with perhaps 25 \ % going to the warranty itself.I 'd take the bet at , say , $ 20.I bought an R/C boat for my son at Toys-R-Us ; it cost $ 50 and they offered a full replacement , no questions asked warranty for one year for $ 3 .
I bought it .
50/3 = 17 ; chances are pretty good that my son will trash the boat in one year .
( Actually , he did n't ; I did .
But we got it replaced .
) So it 's a question of which side of the bet you are willing to take .</tokentext>
<sentencetext>I bought a $320 printer recently.
The seller offered an extended warranty for $80.
This warranty covered years 2 and 3; it kicks in only after the manufacturer's warranty expires.So do the math.
320/80 = 4; the warranty costs me 25\% of the replacement cost of the product.
Or, I'm betting at 1:4 odds that the machine will become useless sometime between 2 and 3 years old.Now this is a name-brand product, aimed at office workgroups with a duty cycle of a thousand or or so pages per month.
My use will be perhaps a thousand pages a year.
The printer sits in a hope office, in an area with few electrical storms, in a controlled environment.I'm not willing to take a 1:4 bet.
At a guess, 75\% of the price of the warranty goes to the retailer, with perhaps 25\% going to the warranty itself.I'd take the bet at, say, $20.I bought an R/C boat for my son at Toys-R-Us; it cost $50 and they offered a full replacement, no questions asked warranty for one year for $3.
I bought it.
50/3 = 17; chances are pretty good that my son will trash the boat in one year.
(Actually, he didn't; I did.
But we got it replaced.
)So it's a question of which side of the bet you are willing to take.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444600</id>
	<title>Re:It's the recession</title>
	<author>PitaBred</author>
	<datestamp>1260894840000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Depends entirely on the product in question. Most of the time the warranty's are a waste. But there are a few cases (as Consumer Reports notes) where it actually is worthwhile insurance.<br> <br>
By your logic, ALL insurance is a waste and only stupid people should have it as a protection against unexpected major financial expenditures.</htmltext>
<tokenext>Depends entirely on the product in question .
Most of the time the warranty 's are a waste .
But there are a few cases ( as Consumer Reports notes ) where it actually is worthwhile insurance .
By your logic , ALL insurance is a waste and only stupid people should have it as a protection against unexpected major financial expenditures .</tokentext>
<sentencetext>Depends entirely on the product in question.
Most of the time the warranty's are a waste.
But there are a few cases (as Consumer Reports notes) where it actually is worthwhile insurance.
By your logic, ALL insurance is a waste and only stupid people should have it as a protection against unexpected major financial expenditures.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442228</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442788</id>
	<title>They are very aggressive</title>
	<author>GauteL</author>
	<datestamp>1260884640000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>2</modscore>
	<htmltext><p>Last year I bought a freezer. Recently, just as the warranty ran out I received a letter urging me to buy a &pound;35 three year extended warranty for it for "peace of mind". The letter told me that replacing the engine on it could cost as much as &pound;100. Given that the freezer only cost me &pound;95 to begin with, I wasn't impressed.</p><p>When I didn't respond to this shambolic offer,<br>the insurance company sent me another letter to reinforce how important it is for me to "protect my investment".</p><p>I'm pretty sure there are people around who do go for these offers, otherwise why would the insurance company even bother?</p></htmltext>
<tokenext>Last year I bought a freezer .
Recently , just as the warranty ran out I received a letter urging me to buy a   35 three year extended warranty for it for " peace of mind " .
The letter told me that replacing the engine on it could cost as much as   100 .
Given that the freezer only cost me   95 to begin with , I was n't impressed.When I did n't respond to this shambolic offer,the insurance company sent me another letter to reinforce how important it is for me to " protect my investment " .I 'm pretty sure there are people around who do go for these offers , otherwise why would the insurance company even bother ?</tokentext>
<sentencetext>Last year I bought a freezer.
Recently, just as the warranty ran out I received a letter urging me to buy a £35 three year extended warranty for it for "peace of mind".
The letter told me that replacing the engine on it could cost as much as £100.
Given that the freezer only cost me £95 to begin with, I wasn't impressed.When I didn't respond to this shambolic offer,the insurance company sent me another letter to reinforce how important it is for me to "protect my investment".I'm pretty sure there are people around who do go for these offers, otherwise why would the insurance company even bother?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30450404</id>
	<title>Re:Not worth the money?</title>
	<author>ucblockhead</author>
	<datestamp>1260873960000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Here's what you do: every time you buy a piece of electronics, put 10\% of the purchase price in a bank account called "my personal extended warranty".</p><p>If the item breaks, withdraw money from this account to have the item fixed.</p><p>Given that extended warranties are sold to make a profit, you are pretty much guaranteed to end up financially better off if you purchase enough goods.</p></htmltext>
<tokenext>Here 's what you do : every time you buy a piece of electronics , put 10 \ % of the purchase price in a bank account called " my personal extended warranty " .If the item breaks , withdraw money from this account to have the item fixed.Given that extended warranties are sold to make a profit , you are pretty much guaranteed to end up financially better off if you purchase enough goods .</tokentext>
<sentencetext>Here's what you do: every time you buy a piece of electronics, put 10\% of the purchase price in a bank account called "my personal extended warranty".If the item breaks, withdraw money from this account to have the item fixed.Given that extended warranties are sold to make a profit, you are pretty much guaranteed to end up financially better off if you purchase enough goods.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443944</id>
	<title>DLP</title>
	<author>digitalsolo</author>
	<datestamp>1260891720000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>I almost never buy these warranties, with a singular exception:
<br>
<br>
Big screen DLP televisions.
<br>
<br>
The ability to have a bulb replaced for free pays for the cost (150 dollar bulb, 90 dollar 5 year service plan).   They will replace two bulbs.   If I lose one, it's worth it.   If one hasn't failed in 4.5 years, I'll just kill it.   Woo, profit.</htmltext>
<tokenext>I almost never buy these warranties , with a singular exception : Big screen DLP televisions .
The ability to have a bulb replaced for free pays for the cost ( 150 dollar bulb , 90 dollar 5 year service plan ) .
They will replace two bulbs .
If I lose one , it 's worth it .
If one has n't failed in 4.5 years , I 'll just kill it .
Woo , profit .</tokentext>
<sentencetext>I almost never buy these warranties, with a singular exception:


Big screen DLP televisions.
The ability to have a bulb replaced for free pays for the cost (150 dollar bulb, 90 dollar 5 year service plan).
They will replace two bulbs.
If I lose one, it's worth it.
If one hasn't failed in 4.5 years, I'll just kill it.
Woo, profit.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442808</id>
	<title>Re:Good enough</title>
	<author>guytoronto</author>
	<datestamp>1260884760000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Computers will never be "good enough". Just like 640k wasn't. 486 DX2/66 wasn't. 10GB HD wasn't. 17" monitor wasn't. Over and over again history has taught us that the top of the line computer from three years ago whimpers like a little baby in the corner of the room today.</htmltext>
<tokenext>Computers will never be " good enough " .
Just like 640k was n't .
486 DX2/66 was n't .
10GB HD was n't .
17 " monitor was n't .
Over and over again history has taught us that the top of the line computer from three years ago whimpers like a little baby in the corner of the room today .</tokentext>
<sentencetext>Computers will never be "good enough".
Just like 640k wasn't.
486 DX2/66 wasn't.
10GB HD wasn't.
17" monitor wasn't.
Over and over again history has taught us that the top of the line computer from three years ago whimpers like a little baby in the corner of the room today.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442266</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443470</id>
	<title>Re:Good enough</title>
	<author>Sir\_Lewk</author>
	<datestamp>1260889500000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Blanket statements like this are nonsense.  Until summer of 2007 I was using a 244 MHz PII with 256 MB RAM.  The only thing that compelled me to upgrade (and buy a thinkpad) was that I decided a laptop would be nice for school.  I honestly do not see myself buying a new computer for at least 5 more years, probably more.  The specs on my thinkpad <i>far</i> exceed my actual usage, the only reason I'll get a new computer is when my current physically breaks.</p><p>Now, I don't game, the most I ask of my computers is that they run xterm, vim, and a handfull of other programs.  Perhaps my usage isn't exactly typical.  Then again, my almost 3 year old computer has <i>far</i> better specs than many computers sold today (you have heard of netbooks right?).  Hell, my next computer might even be a "downgrade".</p><blockquote><div><p>17" monitor wasn't.</p></div></blockquote><p>My monitor is 15.4", I had no idea 17" was considered obsolete...</p></div>
	</htmltext>
<tokenext>Blanket statements like this are nonsense .
Until summer of 2007 I was using a 244 MHz PII with 256 MB RAM .
The only thing that compelled me to upgrade ( and buy a thinkpad ) was that I decided a laptop would be nice for school .
I honestly do not see myself buying a new computer for at least 5 more years , probably more .
The specs on my thinkpad far exceed my actual usage , the only reason I 'll get a new computer is when my current physically breaks.Now , I do n't game , the most I ask of my computers is that they run xterm , vim , and a handfull of other programs .
Perhaps my usage is n't exactly typical .
Then again , my almost 3 year old computer has far better specs than many computers sold today ( you have heard of netbooks right ? ) .
Hell , my next computer might even be a " downgrade " .17 " monitor was n't.My monitor is 15.4 " , I had no idea 17 " was considered obsolete.. .</tokentext>
<sentencetext>Blanket statements like this are nonsense.
Until summer of 2007 I was using a 244 MHz PII with 256 MB RAM.
The only thing that compelled me to upgrade (and buy a thinkpad) was that I decided a laptop would be nice for school.
I honestly do not see myself buying a new computer for at least 5 more years, probably more.
The specs on my thinkpad far exceed my actual usage, the only reason I'll get a new computer is when my current physically breaks.Now, I don't game, the most I ask of my computers is that they run xterm, vim, and a handfull of other programs.
Perhaps my usage isn't exactly typical.
Then again, my almost 3 year old computer has far better specs than many computers sold today (you have heard of netbooks right?).
Hell, my next computer might even be a "downgrade".17" monitor wasn't.My monitor is 15.4", I had no idea 17" was considered obsolete...
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442808</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442366</id>
	<title>Re:Not worth the money?</title>
	<author>Hurricane78</author>
	<datestamp>1260879660000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Except that if your house actually burns down, they first employ a dozen professional detectives to make up something... <em>anything</em>... to blame <em>you</em>, similar to the &ldquo;pre-existing condition&ldquo; &ldquo;excuse&rdquo;, and pay you... <em>nothing at all</em>.</p><p>And then you can&rsquo;t even end the contract, because of a minimum duration of half a century or something.</p><p>I never had a insurance (except where forced by law), and I&rsquo;ll never get one. (Yes, I got as far as to say, that if that causes me to die, that was OK.)</p></htmltext>
<tokenext>Except that if your house actually burns down , they first employ a dozen professional detectives to make up something... anything... to blame you , similar to the    pre-existing condition       excuse    , and pay you... nothing at all.And then you can    t even end the contract , because of a minimum duration of half a century or something.I never had a insurance ( except where forced by law ) , and I    ll never get one .
( Yes , I got as far as to say , that if that causes me to die , that was OK. )</tokentext>
<sentencetext>Except that if your house actually burns down, they first employ a dozen professional detectives to make up something... anything... to blame you, similar to the “pre-existing condition“ “excuse”, and pay you... nothing at all.And then you can’t even end the contract, because of a minimum duration of half a century or something.I never had a insurance (except where forced by law), and I’ll never get one.
(Yes, I got as far as to say, that if that causes me to die, that was OK.)</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30449858</id>
	<title>Re:By some countries' laws, they're useless</title>
	<author>Anonymous</author>
	<datestamp>1260871920000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>We have this in australia too it is called a statutory warranty, although most retailers in Australia will still try and sell you an extended warranty.</p><p><a href="http://www.fairtrading.nsw.gov.au/pdfs/About\_us/Publications/ft230.pdf" title="nsw.gov.au" rel="nofollow">http://www.fairtrading.nsw.gov.au/pdfs/About\_us/Publications/ft230.pdf</a> [nsw.gov.au]</p></htmltext>
<tokenext>We have this in australia too it is called a statutory warranty , although most retailers in Australia will still try and sell you an extended warranty.http : //www.fairtrading.nsw.gov.au/pdfs/About \ _us/Publications/ft230.pdf [ nsw.gov.au ]</tokentext>
<sentencetext>We have this in australia too it is called a statutory warranty, although most retailers in Australia will still try and sell you an extended warranty.http://www.fairtrading.nsw.gov.au/pdfs/About\_us/Publications/ft230.pdf [nsw.gov.au]</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442290</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447422</id>
	<title>Re:Not worth the money?</title>
	<author>Anonymous</author>
	<datestamp>1260904260000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>The whole reason companies offer extended warranties is because they bring in more money than they pay out.  If you tend to purchase extended warranties, you will end up losing money in the long run.  The only time any type of insurance is a good idea is when there is a catastrophic cost possible if you don't have it, such as in home, health, or car insurance.  If you had been smart enough not to buy extended warranties in the first place, you would be able to afford the replacement in the rare cases when the extended warranty would have been useful.</p></htmltext>
<tokenext>The whole reason companies offer extended warranties is because they bring in more money than they pay out .
If you tend to purchase extended warranties , you will end up losing money in the long run .
The only time any type of insurance is a good idea is when there is a catastrophic cost possible if you do n't have it , such as in home , health , or car insurance .
If you had been smart enough not to buy extended warranties in the first place , you would be able to afford the replacement in the rare cases when the extended warranty would have been useful .</tokentext>
<sentencetext>The whole reason companies offer extended warranties is because they bring in more money than they pay out.
If you tend to purchase extended warranties, you will end up losing money in the long run.
The only time any type of insurance is a good idea is when there is a catastrophic cost possible if you don't have it, such as in home, health, or car insurance.
If you had been smart enough not to buy extended warranties in the first place, you would be able to afford the replacement in the rare cases when the extended warranty would have been useful.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444474</id>
	<title>Re:Applecare is worth it</title>
	<author>bill\_mcgonigle</author>
	<datestamp>1260894360000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><i>And they try to fuck you over like the BestBuys of the world do, or ask you to "restore from Tiger" when Snow Leopard is the new cool thing.</i></p><p>Don't take it to an Apple store, call the 800 number and talk to a real tech.</p><p>I've turned over each of my last two Apple laptops for 50\% of the hardware purchase price by getting a complete makeover on them during the last month of AppleCare, most recently in October.</p><p>AppleCare is a fantastic deal, I just left the company over increasingly poor QA and unconscionable judicial actions.</p></htmltext>
<tokenext>And they try to fuck you over like the BestBuys of the world do , or ask you to " restore from Tiger " when Snow Leopard is the new cool thing.Do n't take it to an Apple store , call the 800 number and talk to a real tech.I 've turned over each of my last two Apple laptops for 50 \ % of the hardware purchase price by getting a complete makeover on them during the last month of AppleCare , most recently in October.AppleCare is a fantastic deal , I just left the company over increasingly poor QA and unconscionable judicial actions .</tokentext>
<sentencetext>And they try to fuck you over like the BestBuys of the world do, or ask you to "restore from Tiger" when Snow Leopard is the new cool thing.Don't take it to an Apple store, call the 800 number and talk to a real tech.I've turned over each of my last two Apple laptops for 50\% of the hardware purchase price by getting a complete makeover on them during the last month of AppleCare, most recently in October.AppleCare is a fantastic deal, I just left the company over increasingly poor QA and unconscionable judicial actions.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442358</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30448994</id>
	<title>Re:Not worth the money?</title>
	<author>Anonymous</author>
	<datestamp>1260867900000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>&gt;the effect of an economic downturn and concern about future finances should be to reduce purchases, not to make the purchases and then add insurance.</p><p>Unless the plan is to max out your CC on big ticket items now, and default on your unsecured debt in the near future.<br>You need the insurance, because you won't be able to buy any big ticket items afterwords for a few years.</p></htmltext>
<tokenext>&gt; the effect of an economic downturn and concern about future finances should be to reduce purchases , not to make the purchases and then add insurance.Unless the plan is to max out your CC on big ticket items now , and default on your unsecured debt in the near future.You need the insurance , because you wo n't be able to buy any big ticket items afterwords for a few years .</tokentext>
<sentencetext>&gt;the effect of an economic downturn and concern about future finances should be to reduce purchases, not to make the purchases and then add insurance.Unless the plan is to max out your CC on big ticket items now, and default on your unsecured debt in the near future.You need the insurance, because you won't be able to buy any big ticket items afterwords for a few years.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443846</id>
	<title>Persuasion carried out by different means.</title>
	<author>LoyalOpposition</author>
	<datestamp>1260891300000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Yeah, I never buy extended warranties on appliances and electronics because I've heard that the companies rake in about ten times more than they pay out in repairs.  But now that lots of people are buying extended warranties, maybe something has changed that makes it reasonable.</p><p>~Loyal</p><p>p.s.  Wait a minute!  Who's telling me this!</p></htmltext>
<tokenext>Yeah , I never buy extended warranties on appliances and electronics because I 've heard that the companies rake in about ten times more than they pay out in repairs .
But now that lots of people are buying extended warranties , maybe something has changed that makes it reasonable. ~ Loyalp.s .
Wait a minute !
Who 's telling me this !</tokentext>
<sentencetext>Yeah, I never buy extended warranties on appliances and electronics because I've heard that the companies rake in about ten times more than they pay out in repairs.
But now that lots of people are buying extended warranties, maybe something has changed that makes it reasonable.~Loyalp.s.
Wait a minute!
Who's telling me this!</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442296</id>
	<title>My rule of thumb...</title>
	<author>Anonymous</author>
	<datestamp>1260878700000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>2</modscore>
	<htmltext>My rule of thumb is anything that can be 'self insured' should be.  For example, I don't insure my own truck (about $5000) if it's wrecked*.  I know that if this happens I can buy a new one with my savings.  Not ideal but that's how life goes.  All the money I would be spending on insurance goes towards my savings/investments.<p>
However, my house is insured.  If it was burnt, I'd be in tough financial shape.  I can't 'self insure' it.

*if I hit someone else, they are insured.</p></htmltext>
<tokenext>My rule of thumb is anything that can be 'self insured ' should be .
For example , I do n't insure my own truck ( about $ 5000 ) if it 's wrecked * .
I know that if this happens I can buy a new one with my savings .
Not ideal but that 's how life goes .
All the money I would be spending on insurance goes towards my savings/investments .
However , my house is insured .
If it was burnt , I 'd be in tough financial shape .
I ca n't 'self insure ' it .
* if I hit someone else , they are insured .</tokentext>
<sentencetext>My rule of thumb is anything that can be 'self insured' should be.
For example, I don't insure my own truck (about $5000) if it's wrecked*.
I know that if this happens I can buy a new one with my savings.
Not ideal but that's how life goes.
All the money I would be spending on insurance goes towards my savings/investments.
However, my house is insured.
If it was burnt, I'd be in tough financial shape.
I can't 'self insure' it.
*if I hit someone else, they are insured.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442596</id>
	<title>Re:By some countries' laws, they're useless</title>
	<author>Anonymous</author>
	<datestamp>1260882540000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>2</modscore>
	<htmltext><p>Under EU law, you may be entitled to a working device, however, you may find out that the level of service is much worse than when you had an extended service contract. Like waiting two months for a repair, compared to a week.</p></htmltext>
<tokenext>Under EU law , you may be entitled to a working device , however , you may find out that the level of service is much worse than when you had an extended service contract .
Like waiting two months for a repair , compared to a week .</tokentext>
<sentencetext>Under EU law, you may be entitled to a working device, however, you may find out that the level of service is much worse than when you had an extended service contract.
Like waiting two months for a repair, compared to a week.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442290</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443626</id>
	<title>Up ten percent!</title>
	<author>Anonymous</author>
	<datestamp>1260890340000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>So does that make it 11\% this year.</p></htmltext>
<tokenext>So does that make it 11 \ % this year .</tokentext>
<sentencetext>So does that make it 11\% this year.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442398</id>
	<title>More than just an Insurance Question</title>
	<author>klahnako</author>
	<datestamp>1260880080000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>2</modscore>
	<htmltext><p>My biggest consideration when getting one of these warranties is how long it will be gone for repair.  Look at the fine print to find how long the company has to make the repair.  It has been my experience that the maximum allowed time *will* be the time it takes to repair.  Can you go that long without your device?  I know I can not wait the requisite 60/90 days, so I do not purchase the warranties.</p></htmltext>
<tokenext>My biggest consideration when getting one of these warranties is how long it will be gone for repair .
Look at the fine print to find how long the company has to make the repair .
It has been my experience that the maximum allowed time * will * be the time it takes to repair .
Can you go that long without your device ?
I know I can not wait the requisite 60/90 days , so I do not purchase the warranties .</tokentext>
<sentencetext>My biggest consideration when getting one of these warranties is how long it will be gone for repair.
Look at the fine print to find how long the company has to make the repair.
It has been my experience that the maximum allowed time *will* be the time it takes to repair.
Can you go that long without your device?
I know I can not wait the requisite 60/90 days, so I do not purchase the warranties.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30446418</id>
	<title>Re:Not worth the money?</title>
	<author>rgviza</author>
	<datestamp>1260901020000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>yea but if you buy a warranty for every item you buy, chances are one or none out of 20 will fail within the warranty period. At the end of the day, you are better off taking that warranty money, starting a special bank account, and dumping all the money you would have dumped on extended warranties into it. Then if something fails, you'll have more than enough cash for a new item.</p><p>I GUARANTEE, you'll come out ahead, and earn interest on it to boot. Ditto for car warranties.</p><p>Waste of money... at least if you put it in your account, and never need to use it, you still have your money.</p><p>Extended warranties are a scam. Don't give them your money, period. All you need to do is play the same numbers game the insurance companies do. It works for them and it will work for you.</p><p>-Viz</p></htmltext>
<tokenext>yea but if you buy a warranty for every item you buy , chances are one or none out of 20 will fail within the warranty period .
At the end of the day , you are better off taking that warranty money , starting a special bank account , and dumping all the money you would have dumped on extended warranties into it .
Then if something fails , you 'll have more than enough cash for a new item.I GUARANTEE , you 'll come out ahead , and earn interest on it to boot .
Ditto for car warranties.Waste of money... at least if you put it in your account , and never need to use it , you still have your money.Extended warranties are a scam .
Do n't give them your money , period .
All you need to do is play the same numbers game the insurance companies do .
It works for them and it will work for you.-Viz</tokentext>
<sentencetext>yea but if you buy a warranty for every item you buy, chances are one or none out of 20 will fail within the warranty period.
At the end of the day, you are better off taking that warranty money, starting a special bank account, and dumping all the money you would have dumped on extended warranties into it.
Then if something fails, you'll have more than enough cash for a new item.I GUARANTEE, you'll come out ahead, and earn interest on it to boot.
Ditto for car warranties.Waste of money... at least if you put it in your account, and never need to use it, you still have your money.Extended warranties are a scam.
Don't give them your money, period.
All you need to do is play the same numbers game the insurance companies do.
It works for them and it will work for you.-Viz</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447264</id>
	<title>Requisite Simpsons' Reference</title>
	<author>bradgoodman</author>
	<datestamp>1260903660000</datestamp>
	<modclass>Funny</modclass>
	<modscore>2</modscore>
	<htmltext>[Dr. Hibbert: Nailing a nail into Homer's brain to restore lost brain damage brain damage, while trying to assess the amount of damage] <p>
Homer: "Extended Warranty? How could I go wrong?!"</p><p>
Lisa: "Perfect!"</p></htmltext>
<tokenext>[ Dr. Hibbert : Nailing a nail into Homer 's brain to restore lost brain damage brain damage , while trying to assess the amount of damage ] Homer : " Extended Warranty ?
How could I go wrong ? !
" Lisa : " Perfect !
"</tokentext>
<sentencetext>[Dr. Hibbert: Nailing a nail into Homer's brain to restore lost brain damage brain damage, while trying to assess the amount of damage] 
Homer: "Extended Warranty?
How could I go wrong?!
"
Lisa: "Perfect!
"</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447430</id>
	<title>Re:Not worth the money?</title>
	<author>Anonymous</author>
	<datestamp>1260904320000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>I don't think living without home insurance is a good idea. The sheer cost of buying a new house if your existing house is destroyed is enough to scare me into it.</p></htmltext>
<tokenext>I do n't think living without home insurance is a good idea .
The sheer cost of buying a new house if your existing house is destroyed is enough to scare me into it .</tokentext>
<sentencetext>I don't think living without home insurance is a good idea.
The sheer cost of buying a new house if your existing house is destroyed is enough to scare me into it.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442366</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442214</id>
	<title>does anyone else smell potential fraud?</title>
	<author>CaptainNerdCave</author>
	<datestamp>1260877560000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>some extended warranties are a bit vague on the coverages or skimpy on the limitations, which means that more "failures" slip through the gaping holes coughbestbuycough</p><p>maybe it's just me, but i expect that many people will experience a significant number of "failures" with these products.</p></htmltext>
<tokenext>some extended warranties are a bit vague on the coverages or skimpy on the limitations , which means that more " failures " slip through the gaping holes coughbestbuycoughmaybe it 's just me , but i expect that many people will experience a significant number of " failures " with these products .</tokentext>
<sentencetext>some extended warranties are a bit vague on the coverages or skimpy on the limitations, which means that more "failures" slip through the gaping holes coughbestbuycoughmaybe it's just me, but i expect that many people will experience a significant number of "failures" with these products.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442182</id>
	<title>Re:Not worth the money?</title>
	<author>Rhaban</author>
	<datestamp>1260877320000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>It's a statistics and probability problem.</p><p>If a device breaks, what would be the cost to have it repaired without the warranty? and what are the probabilities for the device to break between the end of base warranty and the end of extended warranty?</p></htmltext>
<tokenext>It 's a statistics and probability problem.If a device breaks , what would be the cost to have it repaired without the warranty ?
and what are the probabilities for the device to break between the end of base warranty and the end of extended warranty ?</tokentext>
<sentencetext>It's a statistics and probability problem.If a device breaks, what would be the cost to have it repaired without the warranty?
and what are the probabilities for the device to break between the end of base warranty and the end of extended warranty?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443264</id>
	<title>Re:Not worth the money?</title>
	<author>xaxa</author>
	<datestamp>1260888420000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>All my receipts (except for food, meals, etc) are in an A4 envelope. They're not very well organised, other than starting a new envelope every year, but when my bicycle was stolen it was easy enough to go through and find all the relevant receipts (for the bike, lock, lights, etc) to send to the insurers, and it probably took less time than keeping it organised would have done.</p><p>Also, I usually pay for anything over &pound;30 with a credit/debit card, so there's also a record of the sale on my online banking.</p></htmltext>
<tokenext>All my receipts ( except for food , meals , etc ) are in an A4 envelope .
They 're not very well organised , other than starting a new envelope every year , but when my bicycle was stolen it was easy enough to go through and find all the relevant receipts ( for the bike , lock , lights , etc ) to send to the insurers , and it probably took less time than keeping it organised would have done.Also , I usually pay for anything over   30 with a credit/debit card , so there 's also a record of the sale on my online banking .</tokentext>
<sentencetext>All my receipts (except for food, meals, etc) are in an A4 envelope.
They're not very well organised, other than starting a new envelope every year, but when my bicycle was stolen it was easy enough to go through and find all the relevant receipts (for the bike, lock, lights, etc) to send to the insurers, and it probably took less time than keeping it organised would have done.Also, I usually pay for anything over £30 with a credit/debit card, so there's also a record of the sale on my online banking.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442428</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442444</id>
	<title>pick &amp; choose</title>
	<author>clickclickdrone</author>
	<datestamp>1260880680000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>I tend to steer well clear of these things but do occassionally take out extended warrenty for items more likely to break. I was an early adopter of LCD TVs and took out a 3 year warrenty and sure enough, 2 years down the line, it died and I got a new (better - w00t!) one which has been fine since. I recently upgraded to a new Samsung from John lewis (UK) who do a free 5 year warranty on all TVs which is cool.<br>
Generally, anything with moving parts that might fail, I tend to get extended warranty and to date, I've been lucky (?) inasmuch as the device died during the extended warranty so it wa smoney well spent.<br>
Luckily, in the UK you get aminimum of 1year anyway and potentially a further year under EU rules but most retailers are ignorant of the newer rules and try to kick pack (but fail).</htmltext>
<tokenext>I tend to steer well clear of these things but do occassionally take out extended warrenty for items more likely to break .
I was an early adopter of LCD TVs and took out a 3 year warrenty and sure enough , 2 years down the line , it died and I got a new ( better - w00t !
) one which has been fine since .
I recently upgraded to a new Samsung from John lewis ( UK ) who do a free 5 year warranty on all TVs which is cool .
Generally , anything with moving parts that might fail , I tend to get extended warranty and to date , I 've been lucky ( ?
) inasmuch as the device died during the extended warranty so it wa smoney well spent .
Luckily , in the UK you get aminimum of 1year anyway and potentially a further year under EU rules but most retailers are ignorant of the newer rules and try to kick pack ( but fail ) .</tokentext>
<sentencetext>I tend to steer well clear of these things but do occassionally take out extended warrenty for items more likely to break.
I was an early adopter of LCD TVs and took out a 3 year warrenty and sure enough, 2 years down the line, it died and I got a new (better - w00t!
) one which has been fine since.
I recently upgraded to a new Samsung from John lewis (UK) who do a free 5 year warranty on all TVs which is cool.
Generally, anything with moving parts that might fail, I tend to get extended warranty and to date, I've been lucky (?
) inasmuch as the device died during the extended warranty so it wa smoney well spent.
Luckily, in the UK you get aminimum of 1year anyway and potentially a further year under EU rules but most retailers are ignorant of the newer rules and try to kick pack (but fail).</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443658</id>
	<title>Re:Why extended warranties are useless</title>
	<author>Anonymous</author>
	<datestamp>1260890520000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Its called a Weibull distribution. Its used in engineering to failure design types. It will be in my upcoming book. "Electronics in America: Why they Suck! A scathing insiders look into who messed it all up."</p></htmltext>
<tokenext>Its called a Weibull distribution .
Its used in engineering to failure design types .
It will be in my upcoming book .
" Electronics in America : Why they Suck !
A scathing insiders look into who messed it all up .
"</tokentext>
<sentencetext>Its called a Weibull distribution.
Its used in engineering to failure design types.
It will be in my upcoming book.
"Electronics in America: Why they Suck!
A scathing insiders look into who messed it all up.
"</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442390</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444126</id>
	<title>Best add-on for my Big Screen</title>
	<author>Anonymous</author>
	<datestamp>1260892680000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p> 12 days after the official warranty expired on my 57 inch 250 lbs TV it broke - no video. But at the time of the purchase I could get $500 off the price if I paid for the $250 extended warranty.  So I took the extended warranty and saved $250 instead of saving $500.  Not a big deal on a $5000 TV.</p><p> 
They came to my house to repair it.  They double check every line on the the extended warranty and their was no faults.  So the $2500 repair bill was paid for by the the extended warranty!    Happy me.  The TV repair guy was at least honest and said the issue was common on my TV and occurs nearly 100\% of the time after the manufactures warranty.  He said the replacement part are just that so he expect it to fail again in about 3 years time and he gave me some advice on what to look for before it totally fails.</p><p> 
Right on Schedule failure signs are starting to appear.  So thanks to the TV repair guy I have some time to look for a suitable replacement TV instead of spending a tone of money on another repair bill.</p></htmltext>
<tokenext>12 days after the official warranty expired on my 57 inch 250 lbs TV it broke - no video .
But at the time of the purchase I could get $ 500 off the price if I paid for the $ 250 extended warranty .
So I took the extended warranty and saved $ 250 instead of saving $ 500 .
Not a big deal on a $ 5000 TV .
They came to my house to repair it .
They double check every line on the the extended warranty and their was no faults .
So the $ 2500 repair bill was paid for by the the extended warranty !
Happy me .
The TV repair guy was at least honest and said the issue was common on my TV and occurs nearly 100 \ % of the time after the manufactures warranty .
He said the replacement part are just that so he expect it to fail again in about 3 years time and he gave me some advice on what to look for before it totally fails .
Right on Schedule failure signs are starting to appear .
So thanks to the TV repair guy I have some time to look for a suitable replacement TV instead of spending a tone of money on another repair bill .</tokentext>
<sentencetext> 12 days after the official warranty expired on my 57 inch 250 lbs TV it broke - no video.
But at the time of the purchase I could get $500 off the price if I paid for the $250 extended warranty.
So I took the extended warranty and saved $250 instead of saving $500.
Not a big deal on a $5000 TV.
They came to my house to repair it.
They double check every line on the the extended warranty and their was no faults.
So the $2500 repair bill was paid for by the the extended warranty!
Happy me.
The TV repair guy was at least honest and said the issue was common on my TV and occurs nearly 100\% of the time after the manufactures warranty.
He said the replacement part are just that so he expect it to fail again in about 3 years time and he gave me some advice on what to look for before it totally fails.
Right on Schedule failure signs are starting to appear.
So thanks to the TV repair guy I have some time to look for a suitable replacement TV instead of spending a tone of money on another repair bill.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442266</id>
	<title>Good enough</title>
	<author>Anonymous</author>
	<datestamp>1260878280000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>2</modscore>
	<htmltext>Computers are getting to the point of "good enough" for the current technological cycle. This means people won't be shelling out hundreds of dollars every three years for a new computer when their old computer is good enough and in good shape thanks to an extended warranty.</htmltext>
<tokenext>Computers are getting to the point of " good enough " for the current technological cycle .
This means people wo n't be shelling out hundreds of dollars every three years for a new computer when their old computer is good enough and in good shape thanks to an extended warranty .</tokentext>
<sentencetext>Computers are getting to the point of "good enough" for the current technological cycle.
This means people won't be shelling out hundreds of dollars every three years for a new computer when their old computer is good enough and in good shape thanks to an extended warranty.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442294</id>
	<title>A lot of people don't realise...</title>
	<author>GrubLord</author>
	<datestamp>1260878640000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>5</modscore>
	<htmltext><p>... that those Gold and Platinum credit cards they're collecting 'reward points' on also oftentimes provide extended warranty on purchases made with said credit card.</p><p>Before you shell out for an extra year or two of warranty, try reading through the terms and conditions of your favourite rewards card. Chances are, you can get that extra year or so of peace of mind for free.</p></htmltext>
<tokenext>... that those Gold and Platinum credit cards they 're collecting 'reward points ' on also oftentimes provide extended warranty on purchases made with said credit card.Before you shell out for an extra year or two of warranty , try reading through the terms and conditions of your favourite rewards card .
Chances are , you can get that extra year or so of peace of mind for free .</tokentext>
<sentencetext>... that those Gold and Platinum credit cards they're collecting 'reward points' on also oftentimes provide extended warranty on purchases made with said credit card.Before you shell out for an extra year or two of warranty, try reading through the terms and conditions of your favourite rewards card.
Chances are, you can get that extra year or so of peace of mind for free.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443052</id>
	<title>Re:You get what you pay for</title>
	<author>Anonymous</author>
	<datestamp>1260887040000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Who said anything about pizza?!</p></htmltext>
<tokenext>Who said anything about pizza ?
!</tokentext>
<sentencetext>Who said anything about pizza?
!</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442168</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443834</id>
	<title>Re:Not worth the money?</title>
	<author>kannibal\_klown</author>
	<datestamp>1260891240000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>If I buy a device and it doesn't break, is the extended warranty useless?</p></div><p>Plus, some electronics stores (usually smaller ones) will write you a check for some or all of the warranty cost if you didn't need it through its lifetime.</p><p>My parents bought a TV from a smaller electronics store (not a chain) and got the warranty which they wound up not using, and I think it was a little cheaper than if they're purchased the warranty from a chain.</p><p>At the end of the period the store sent them a check for 50\% of the price.</p></div>
	</htmltext>
<tokenext>If I buy a device and it does n't break , is the extended warranty useless ? Plus , some electronics stores ( usually smaller ones ) will write you a check for some or all of the warranty cost if you did n't need it through its lifetime.My parents bought a TV from a smaller electronics store ( not a chain ) and got the warranty which they wound up not using , and I think it was a little cheaper than if they 're purchased the warranty from a chain.At the end of the period the store sent them a check for 50 \ % of the price .</tokentext>
<sentencetext>If I buy a device and it doesn't break, is the extended warranty useless?Plus, some electronics stores (usually smaller ones) will write you a check for some or all of the warranty cost if you didn't need it through its lifetime.My parents bought a TV from a smaller electronics store (not a chain) and got the warranty which they wound up not using, and I think it was a little cheaper than if they're purchased the warranty from a chain.At the end of the period the store sent them a check for 50\% of the price.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447840</id>
	<title>Sears</title>
	<author>200\_success</author>
	<datestamp>1260906060000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>I recently bought a dishwasher at Sears Canada, and was offered an extended warranty. If you end up making no claims within the five-year term, you can call them and get your money back as store credit.  Seems reasonable to me, so I went for it.  Now I have to remember to call them after five years.</htmltext>
<tokenext>I recently bought a dishwasher at Sears Canada , and was offered an extended warranty .
If you end up making no claims within the five-year term , you can call them and get your money back as store credit .
Seems reasonable to me , so I went for it .
Now I have to remember to call them after five years .</tokentext>
<sentencetext>I recently bought a dishwasher at Sears Canada, and was offered an extended warranty.
If you end up making no claims within the five-year term, you can call them and get your money back as store credit.
Seems reasonable to me, so I went for it.
Now I have to remember to call them after five years.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443580</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442410</id>
	<title>iMacs, I will not go without extended on mine</title>
	<author>Shivetya</author>
	<datestamp>1260880260000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I am on my second iMac now, since Apple finally made one I wanted to upgrade too.  The first one convinced me that the extended warranty is required.  My old white iMac got the black screen of death 29 months after it was made (I bought it used a little over six months old).  When I purchased it the original owner had the three year extended warranty on it.</p><p>Approximate $1300 for the main board and $300 for the daughter card (7600gt).  The bill didn't include the labor cost.  The final total was zero because it was under warranty.  If this had not been covered it would have been cheaper to buy a new one.</p><p>I look at the warranties this way, what is your impulse buying threshold and what is your "I can afford that" threshold.  Very similar to how you buy insurance for home, auto, and such.  What is the amount your willing to be out if case something goes wrong.  For me that stops at $500 minus the cost of the extended warranty.  So its a $700 item and the warranty is over $200 I won't get it.</p><p>If you finance it, insure it or get a warranty.  Don't bother with extended warranties on cars and if you must, only from the manufacturer</p></htmltext>
<tokenext>I am on my second iMac now , since Apple finally made one I wanted to upgrade too .
The first one convinced me that the extended warranty is required .
My old white iMac got the black screen of death 29 months after it was made ( I bought it used a little over six months old ) .
When I purchased it the original owner had the three year extended warranty on it.Approximate $ 1300 for the main board and $ 300 for the daughter card ( 7600gt ) .
The bill did n't include the labor cost .
The final total was zero because it was under warranty .
If this had not been covered it would have been cheaper to buy a new one.I look at the warranties this way , what is your impulse buying threshold and what is your " I can afford that " threshold .
Very similar to how you buy insurance for home , auto , and such .
What is the amount your willing to be out if case something goes wrong .
For me that stops at $ 500 minus the cost of the extended warranty .
So its a $ 700 item and the warranty is over $ 200 I wo n't get it.If you finance it , insure it or get a warranty .
Do n't bother with extended warranties on cars and if you must , only from the manufacturer</tokentext>
<sentencetext>I am on my second iMac now, since Apple finally made one I wanted to upgrade too.
The first one convinced me that the extended warranty is required.
My old white iMac got the black screen of death 29 months after it was made (I bought it used a little over six months old).
When I purchased it the original owner had the three year extended warranty on it.Approximate $1300 for the main board and $300 for the daughter card (7600gt).
The bill didn't include the labor cost.
The final total was zero because it was under warranty.
If this had not been covered it would have been cheaper to buy a new one.I look at the warranties this way, what is your impulse buying threshold and what is your "I can afford that" threshold.
Very similar to how you buy insurance for home, auto, and such.
What is the amount your willing to be out if case something goes wrong.
For me that stops at $500 minus the cost of the extended warranty.
So its a $700 item and the warranty is over $200 I won't get it.If you finance it, insure it or get a warranty.
Don't bother with extended warranties on cars and if you must, only from the manufacturer</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30445964</id>
	<title>Business class warranty uplift on a notebook</title>
	<author>Rastl</author>
	<datestamp>1260899520000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>2</modscore>
	<htmltext><p>That is the best investment I could have made.  Buying a business class notebook through work's discount program got me a much better product than the consumer one.  The warranty uplift cost $79 for three year, next business day, onsite warranty service.  I've had to use it three times.  The last time was 2 years 10 months after I bought the notebook and they sent a new one rather than fix the old one.</p><p>Best of all they hosed the warranty transfer so I could buy a new warranty uplift (buying one off the 'old' warranty was much more expensive) so I've got a new notebook and 3 years of great warranty service.  I see a non-fixable hardware failure happening 2 years and 10 months from the replacement date.</p><p>Extended warranties can be worth it if the warranty actually improves the service you receive.  Spending a little money to go from taking/sending the product to a service center to having in home service is great for things like large appliances and other items where it's just a headache to try and get the thing anywhere or when you don't want to or can't be without whatever it is.</p><p>Then there's the warranties for stupid products that will cost less to replace when they do break than to deal with trying to get it fixed.  Microwaves, keyboards, stuff like that.  Sometimes the price of the warranty is the same as the item.  I despair for humanity when I see people buying them.</p></htmltext>
<tokenext>That is the best investment I could have made .
Buying a business class notebook through work 's discount program got me a much better product than the consumer one .
The warranty uplift cost $ 79 for three year , next business day , onsite warranty service .
I 've had to use it three times .
The last time was 2 years 10 months after I bought the notebook and they sent a new one rather than fix the old one.Best of all they hosed the warranty transfer so I could buy a new warranty uplift ( buying one off the 'old ' warranty was much more expensive ) so I 've got a new notebook and 3 years of great warranty service .
I see a non-fixable hardware failure happening 2 years and 10 months from the replacement date.Extended warranties can be worth it if the warranty actually improves the service you receive .
Spending a little money to go from taking/sending the product to a service center to having in home service is great for things like large appliances and other items where it 's just a headache to try and get the thing anywhere or when you do n't want to or ca n't be without whatever it is.Then there 's the warranties for stupid products that will cost less to replace when they do break than to deal with trying to get it fixed .
Microwaves , keyboards , stuff like that .
Sometimes the price of the warranty is the same as the item .
I despair for humanity when I see people buying them .</tokentext>
<sentencetext>That is the best investment I could have made.
Buying a business class notebook through work's discount program got me a much better product than the consumer one.
The warranty uplift cost $79 for three year, next business day, onsite warranty service.
I've had to use it three times.
The last time was 2 years 10 months after I bought the notebook and they sent a new one rather than fix the old one.Best of all they hosed the warranty transfer so I could buy a new warranty uplift (buying one off the 'old' warranty was much more expensive) so I've got a new notebook and 3 years of great warranty service.
I see a non-fixable hardware failure happening 2 years and 10 months from the replacement date.Extended warranties can be worth it if the warranty actually improves the service you receive.
Spending a little money to go from taking/sending the product to a service center to having in home service is great for things like large appliances and other items where it's just a headache to try and get the thing anywhere or when you don't want to or can't be without whatever it is.Then there's the warranties for stupid products that will cost less to replace when they do break than to deal with trying to get it fixed.
Microwaves, keyboards, stuff like that.
Sometimes the price of the warranty is the same as the item.
I despair for humanity when I see people buying them.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443984</id>
	<title>Re:You get what you pay for</title>
	<author>Jeepster77</author>
	<datestamp>1260891960000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>I REALLY want to know where you get your pizza!!!!</htmltext>
<tokenext>I REALLY want to know where you get your pizza ! ! !
!</tokentext>
<sentencetext>I REALLY want to know where you get your pizza!!!
!</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447808</id>
	<title>You already get an extended warranty</title>
	<author>r\_jensen11</author>
	<datestamp>1260905940000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Visa Signature, Mastercard, and AMEX already provide extended warranties when you purchase items with their branded cards.  It's just that <b>nobody ever knows these benefits.</b>  If you want to find out what benefits your cards have, see the links below (benefits vary by the bank and card- Citi may include different benefits than Chase, etc)</p><p><a href="http://www.mastercard.com/us/personal/en/cardholderservices/guidetobenefits/index.html#q01" title="mastercard.com">Mastercard</a> [mastercard.com]<br><a href="http://usa.visa.com/personal/cards/benefits/index.html" title="visa.com">VISA Signature</a> [visa.com]</p></htmltext>
<tokenext>Visa Signature , Mastercard , and AMEX already provide extended warranties when you purchase items with their branded cards .
It 's just that nobody ever knows these benefits .
If you want to find out what benefits your cards have , see the links below ( benefits vary by the bank and card- Citi may include different benefits than Chase , etc ) Mastercard [ mastercard.com ] VISA Signature [ visa.com ]</tokentext>
<sentencetext>Visa Signature, Mastercard, and AMEX already provide extended warranties when you purchase items with their branded cards.
It's just that nobody ever knows these benefits.
If you want to find out what benefits your cards have, see the links below (benefits vary by the bank and card- Citi may include different benefits than Chase, etc)Mastercard [mastercard.com]VISA Signature [visa.com]</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30455058</id>
	<title>72 hours</title>
	<author>Anonymous</author>
	<datestamp>1259661240000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>The estimate is that a device (solid state electronic with no moving parts) will fail in the first 72 hours of operation - or never.</p><p>Most warranties cover you for at least that long.</p><p>Another consideration with high tech devices is that in two or three years, getting your two or three year-old device fixed as 'good-as-new' may be less desirable than getting the latest/more powerful/lighter/faster model. (Which may even cost less than the cost of the warranty!)</p></htmltext>
<tokenext>The estimate is that a device ( solid state electronic with no moving parts ) will fail in the first 72 hours of operation - or never.Most warranties cover you for at least that long.Another consideration with high tech devices is that in two or three years , getting your two or three year-old device fixed as 'good-as-new ' may be less desirable than getting the latest/more powerful/lighter/faster model .
( Which may even cost less than the cost of the warranty !
)</tokentext>
<sentencetext>The estimate is that a device (solid state electronic with no moving parts) will fail in the first 72 hours of operation - or never.Most warranties cover you for at least that long.Another consideration with high tech devices is that in two or three years, getting your two or three year-old device fixed as 'good-as-new' may be less desirable than getting the latest/more powerful/lighter/faster model.
(Which may even cost less than the cost of the warranty!
)</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442178</id>
	<title>Re:Not worth the money?</title>
	<author>Nerdfest</author>
	<datestamp>1260877320000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>I've had good luck and have used pretty much every one I've ever bought, but I discovered something interesting. If the product is replaced under warranty, it effectively 'fulfills' the warranty obligation, and you may need to buy a new one for the new product. This may vary by store and country, but it's something to watch out for.</htmltext>
<tokenext>I 've had good luck and have used pretty much every one I 've ever bought , but I discovered something interesting .
If the product is replaced under warranty , it effectively 'fulfills ' the warranty obligation , and you may need to buy a new one for the new product .
This may vary by store and country , but it 's something to watch out for .</tokentext>
<sentencetext>I've had good luck and have used pretty much every one I've ever bought, but I discovered something interesting.
If the product is replaced under warranty, it effectively 'fulfills' the warranty obligation, and you may need to buy a new one for the new product.
This may vary by store and country, but it's something to watch out for.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30453542</id>
	<title>Understand something simple:</title>
	<author>Whuffo</author>
	<datestamp>1260893580000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>The cost of the extended warranty is sufficient to cover any expected repairs the item may need - and also provide a nice profit to the issuer of the warranty and the retailer that sells it.<p>
Modern electronics are very reliable and the extended warranty industry has grown up to take advantage of this. You'll never hear from the 99.9\% who have no trouble at all with their "widget" and that one that does will squeal loudly - and maybe collect on his warranty. Recently, the warranty companies have been trying to trim even that liability from their operations and consumers are finding that the warranty they bought has conditions and "gotchas" that prevent them from receiving the coverage they thought they bought.</p><p>
If you're buying something that's known to be failure prone, then the warranty MIGHT be a good idea - just remember that the warranty company knows it's unreliable and has priced the coverage accordingly. It might prevent a large bill that surprises you - but in the long run you'd be much better off to just say NO to the coverage.</p><p>
Here's my rule: if the extended warranty is important to your purchasing decision - you can't afford the item. You can either pay for the repairs, or you can pay for the repairs plus a nice fat profit for the retailer and warranty company. Does this sound like a good deal to you?</p></htmltext>
<tokenext>The cost of the extended warranty is sufficient to cover any expected repairs the item may need - and also provide a nice profit to the issuer of the warranty and the retailer that sells it .
Modern electronics are very reliable and the extended warranty industry has grown up to take advantage of this .
You 'll never hear from the 99.9 \ % who have no trouble at all with their " widget " and that one that does will squeal loudly - and maybe collect on his warranty .
Recently , the warranty companies have been trying to trim even that liability from their operations and consumers are finding that the warranty they bought has conditions and " gotchas " that prevent them from receiving the coverage they thought they bought .
If you 're buying something that 's known to be failure prone , then the warranty MIGHT be a good idea - just remember that the warranty company knows it 's unreliable and has priced the coverage accordingly .
It might prevent a large bill that surprises you - but in the long run you 'd be much better off to just say NO to the coverage .
Here 's my rule : if the extended warranty is important to your purchasing decision - you ca n't afford the item .
You can either pay for the repairs , or you can pay for the repairs plus a nice fat profit for the retailer and warranty company .
Does this sound like a good deal to you ?</tokentext>
<sentencetext>The cost of the extended warranty is sufficient to cover any expected repairs the item may need - and also provide a nice profit to the issuer of the warranty and the retailer that sells it.
Modern electronics are very reliable and the extended warranty industry has grown up to take advantage of this.
You'll never hear from the 99.9\% who have no trouble at all with their "widget" and that one that does will squeal loudly - and maybe collect on his warranty.
Recently, the warranty companies have been trying to trim even that liability from their operations and consumers are finding that the warranty they bought has conditions and "gotchas" that prevent them from receiving the coverage they thought they bought.
If you're buying something that's known to be failure prone, then the warranty MIGHT be a good idea - just remember that the warranty company knows it's unreliable and has priced the coverage accordingly.
It might prevent a large bill that surprises you - but in the long run you'd be much better off to just say NO to the coverage.
Here's my rule: if the extended warranty is important to your purchasing decision - you can't afford the item.
You can either pay for the repairs, or you can pay for the repairs plus a nice fat profit for the retailer and warranty company.
Does this sound like a good deal to you?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442560</id>
	<title>Re:By some countries' laws, they're useless</title>
	<author>cgomezr</author>
	<datestamp>1260882120000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>2</modscore>
	<htmltext><p>In Spain we also have a law like that, but in practice it's totally useless: in theory you should have warranty for two years (or even three, I can't remember); but then the law says that after the first year the burden of proof of not having broken/misused the item is on the customer. Obviously it's impossible to prove that you haven't misused the item, so the law doesn't work and the companies just ignore you if you invoke it. I guess you could get a refund in court, but that's as always, we laymen don't have (or aren't willing to spend) time/resources to go to court, so people just keep buying extended warranties.</p><p>I personally try to buy things that have a warranty of at least 3 years by default, since this seems to indicate that the manufacturer is somewhat confident that it won't break. For example Thinkpad laptops have cheap models with 1 year warranty by default, and more expensive models with 3 years warranty. I buy the latter.</p></htmltext>
<tokenext>In Spain we also have a law like that , but in practice it 's totally useless : in theory you should have warranty for two years ( or even three , I ca n't remember ) ; but then the law says that after the first year the burden of proof of not having broken/misused the item is on the customer .
Obviously it 's impossible to prove that you have n't misused the item , so the law does n't work and the companies just ignore you if you invoke it .
I guess you could get a refund in court , but that 's as always , we laymen do n't have ( or are n't willing to spend ) time/resources to go to court , so people just keep buying extended warranties.I personally try to buy things that have a warranty of at least 3 years by default , since this seems to indicate that the manufacturer is somewhat confident that it wo n't break .
For example Thinkpad laptops have cheap models with 1 year warranty by default , and more expensive models with 3 years warranty .
I buy the latter .</tokentext>
<sentencetext>In Spain we also have a law like that, but in practice it's totally useless: in theory you should have warranty for two years (or even three, I can't remember); but then the law says that after the first year the burden of proof of not having broken/misused the item is on the customer.
Obviously it's impossible to prove that you haven't misused the item, so the law doesn't work and the companies just ignore you if you invoke it.
I guess you could get a refund in court, but that's as always, we laymen don't have (or aren't willing to spend) time/resources to go to court, so people just keep buying extended warranties.I personally try to buy things that have a warranty of at least 3 years by default, since this seems to indicate that the manufacturer is somewhat confident that it won't break.
For example Thinkpad laptops have cheap models with 1 year warranty by default, and more expensive models with 3 years warranty.
I buy the latter.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442290</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442318</id>
	<title>Re:Not worth the money?</title>
	<author>zMaile</author>
	<datestamp>1260879120000</datestamp>
	<modclass>Offtopic</modclass>
	<modscore>-1</modscore>
	<htmltext>Couldn't have said it better myself. If only i had mod points. . .</htmltext>
<tokenext>Could n't have said it better myself .
If only i had mod points .
. .</tokentext>
<sentencetext>Couldn't have said it better myself.
If only i had mod points.
. .</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443778</id>
	<title>Simple Statistics</title>
	<author>archer, the</author>
	<datestamp>1260891000000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>A year ago I purchased a $1200 TV. The store offered a $300 extended warranty. This means they expect at most one in 4 of these TVs to fail in the 3 year period. A consumer review service indicated one in 30 of the TVs failed. At these failure rates, it's much cheaper for me to buy a new TV if one fails: $37,200 for 31 TVs (30 without extended warranty + 1 replacement), or $45,000 for 30 TVs with the extended warranty. (Obviously, I'm not buying 30 TVs. But 10 over the rest of my life would not be unreasonable, saving me over $2000.)</p></htmltext>
<tokenext>A year ago I purchased a $ 1200 TV .
The store offered a $ 300 extended warranty .
This means they expect at most one in 4 of these TVs to fail in the 3 year period .
A consumer review service indicated one in 30 of the TVs failed .
At these failure rates , it 's much cheaper for me to buy a new TV if one fails : $ 37,200 for 31 TVs ( 30 without extended warranty + 1 replacement ) , or $ 45,000 for 30 TVs with the extended warranty .
( Obviously , I 'm not buying 30 TVs .
But 10 over the rest of my life would not be unreasonable , saving me over $ 2000 .
)</tokentext>
<sentencetext>A year ago I purchased a $1200 TV.
The store offered a $300 extended warranty.
This means they expect at most one in 4 of these TVs to fail in the 3 year period.
A consumer review service indicated one in 30 of the TVs failed.
At these failure rates, it's much cheaper for me to buy a new TV if one fails: $37,200 for 31 TVs (30 without extended warranty + 1 replacement), or $45,000 for 30 TVs with the extended warranty.
(Obviously, I'm not buying 30 TVs.
But 10 over the rest of my life would not be unreasonable, saving me over $2000.
)</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30478900</id>
	<title>Consumer vs Commercial Electronics</title>
	<author>darkmayo</author>
	<datestamp>1261043760000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>A good portion of my job is to asset risk and advise on extended coverage and warranty enhancements for small/medium and enterprise businesses on there fleet of servers, desktops, laptops etc. From what I know from that and what I see I tend to only buy warranty on electronics that I spent a fair bit on and that I would be inconvienced if they were to fail.</p><p>You have to look at it how important is the device to you, how long to you expect to be using, and of course how much would it cost to replace the unit completely.</p><p>In business when it comes to servers for example you have to figure out how critical the server functions are, how long of a life the server is expected to have as well as the cost impact to the company if that server was to go down. Its the last one that usually has the most impact to a client, especially when they compare the cost of it down for a hour to how much the enhanced warranty is. Of course things like a test/dev server would likely get a reduced warranty compared to an exchange server or a domain controller.</p><p>Just take the general idea there and apply it to your own purchasing habits.  Extended warranty on a cell phone...  what you are fucking stupid will you even want that phone in a year after the newest of the new comes out? A TV or washer dryer that you want to last for 5+ years, I think its a good idea.</p><p>Be smart about it, listen to the salesman, ignore his pitch but listen to the details, what does this warranty do for you.</p></htmltext>
<tokenext>A good portion of my job is to asset risk and advise on extended coverage and warranty enhancements for small/medium and enterprise businesses on there fleet of servers , desktops , laptops etc .
From what I know from that and what I see I tend to only buy warranty on electronics that I spent a fair bit on and that I would be inconvienced if they were to fail.You have to look at it how important is the device to you , how long to you expect to be using , and of course how much would it cost to replace the unit completely.In business when it comes to servers for example you have to figure out how critical the server functions are , how long of a life the server is expected to have as well as the cost impact to the company if that server was to go down .
Its the last one that usually has the most impact to a client , especially when they compare the cost of it down for a hour to how much the enhanced warranty is .
Of course things like a test/dev server would likely get a reduced warranty compared to an exchange server or a domain controller.Just take the general idea there and apply it to your own purchasing habits .
Extended warranty on a cell phone... what you are fucking stupid will you even want that phone in a year after the newest of the new comes out ?
A TV or washer dryer that you want to last for 5 + years , I think its a good idea.Be smart about it , listen to the salesman , ignore his pitch but listen to the details , what does this warranty do for you .</tokentext>
<sentencetext>A good portion of my job is to asset risk and advise on extended coverage and warranty enhancements for small/medium and enterprise businesses on there fleet of servers, desktops, laptops etc.
From what I know from that and what I see I tend to only buy warranty on electronics that I spent a fair bit on and that I would be inconvienced if they were to fail.You have to look at it how important is the device to you, how long to you expect to be using, and of course how much would it cost to replace the unit completely.In business when it comes to servers for example you have to figure out how critical the server functions are, how long of a life the server is expected to have as well as the cost impact to the company if that server was to go down.
Its the last one that usually has the most impact to a client, especially when they compare the cost of it down for a hour to how much the enhanced warranty is.
Of course things like a test/dev server would likely get a reduced warranty compared to an exchange server or a domain controller.Just take the general idea there and apply it to your own purchasing habits.
Extended warranty on a cell phone...  what you are fucking stupid will you even want that phone in a year after the newest of the new comes out?
A TV or washer dryer that you want to last for 5+ years, I think its a good idea.Be smart about it, listen to the salesman, ignore his pitch but listen to the details, what does this warranty do for you.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443718</id>
	<title>worth it w/ some cars</title>
	<author>Anonymous</author>
	<datestamp>1260890760000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>If you're buying a car then it may make sense to get extended warranty. I definitely got my money's worth out of Ford and Audi (though Audi is CPO, but it's close enough to "extended warranty").</p></htmltext>
<tokenext>If you 're buying a car then it may make sense to get extended warranty .
I definitely got my money 's worth out of Ford and Audi ( though Audi is CPO , but it 's close enough to " extended warranty " ) .</tokentext>
<sentencetext>If you're buying a car then it may make sense to get extended warranty.
I definitely got my money's worth out of Ford and Audi (though Audi is CPO, but it's close enough to "extended warranty").</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442168</id>
	<title>Re:You get what you pay for</title>
	<author>JoshWurzel</author>
	<datestamp>1260877200000</datestamp>
	<modclass>Funny</modclass>
	<modscore>3</modscore>
	<htmltext><p>I would like to know where you're going for pizza...</p></htmltext>
<tokenext>I would like to know where you 're going for pizza.. .</tokentext>
<sentencetext>I would like to know where you're going for pizza...</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30457310</id>
	<title>Be careful</title>
	<author>bostongraf</author>
	<datestamp>1259681640000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>When purchasing my last iPod, the BestBuy salesman wanted to sell me the ext warranty.  I declined, and he expressed concern, because "they generally don't last much more than a year".  To which I responded by showing him my generation 2 iPod that I had been using for somewhere around half a decade.  I explained that it still worked just fine, I just wanted more space.
<br> <br>
The point is, be careful with the things that you buy.  Don't treat your portable devices like they are indestructable.  Don't throw your WiiMote at your TV.  Use an air canister on your computer.  Change the fluids in your car.
<br> <br>
And don't spend money on something you can't afford to lose or replace or repair.</htmltext>
<tokenext>When purchasing my last iPod , the BestBuy salesman wanted to sell me the ext warranty .
I declined , and he expressed concern , because " they generally do n't last much more than a year " .
To which I responded by showing him my generation 2 iPod that I had been using for somewhere around half a decade .
I explained that it still worked just fine , I just wanted more space .
The point is , be careful with the things that you buy .
Do n't treat your portable devices like they are indestructable .
Do n't throw your WiiMote at your TV .
Use an air canister on your computer .
Change the fluids in your car .
And do n't spend money on something you ca n't afford to lose or replace or repair .</tokentext>
<sentencetext>When purchasing my last iPod, the BestBuy salesman wanted to sell me the ext warranty.
I declined, and he expressed concern, because "they generally don't last much more than a year".
To which I responded by showing him my generation 2 iPod that I had been using for somewhere around half a decade.
I explained that it still worked just fine, I just wanted more space.
The point is, be careful with the things that you buy.
Don't treat your portable devices like they are indestructable.
Don't throw your WiiMote at your TV.
Use an air canister on your computer.
Change the fluids in your car.
And don't spend money on something you can't afford to lose or replace or repair.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443954</id>
	<title>When I used to work in sales</title>
	<author>hamburgler007</author>
	<datestamp>1260891780000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>The store would push employees to sell warranties more than anything else.  Even to the point where they had week long training seminar specifically for selling warranties.  There was one salesman who would pull some dirty tricks like adding the warranty to the sales ticket without even asking the customer.  Despite this, and his abhorrent body odor, he still managed to outsell most of the other people on the floor.</htmltext>
<tokenext>The store would push employees to sell warranties more than anything else .
Even to the point where they had week long training seminar specifically for selling warranties .
There was one salesman who would pull some dirty tricks like adding the warranty to the sales ticket without even asking the customer .
Despite this , and his abhorrent body odor , he still managed to outsell most of the other people on the floor .</tokentext>
<sentencetext>The store would push employees to sell warranties more than anything else.
Even to the point where they had week long training seminar specifically for selling warranties.
There was one salesman who would pull some dirty tricks like adding the warranty to the sales ticket without even asking the customer.
Despite this, and his abhorrent body odor, he still managed to outsell most of the other people on the floor.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442764</id>
	<title>Re:Not worth the money?</title>
	<author>Aceticon</author>
	<datestamp>1260884340000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><blockquote><div><p>precisely because insurance only makes sense for big-ticket items, the effect of an economic downturn and concern about future finances should be to reduce purchases, not to make the purchases and then add insurance.</p></div></blockquote><p>We are where we are (in a downturn following a bubble) exactly because the vast majority of people does not act in a rational way.</p><p>It's thus hardly surprising that most people react the way they do. Instead of curtailing their purchases, they follow the same old habits of unthinking consumerism (the same ones from one or two years ago that meant that people spent more than they earned and which inflated the bubble that just burst) were they "really have to have that brand new plasma TV", so they:<br>- Buy the TV instead of postponing the purchase.<br>- Buy themselves some piece of mind by paying for insurance in the form of an extended warranty.</p><p>PS: Interestingly enough, governments keep pushing the "spend, spend, spend" message as the way to pull us out of the recession. The "interesting" part is that, taken to it's natural conclusion the "spend, spend, spend" will inflate a bubble just like the last one followed by a recession just like the current one<nobr> <wbr></nobr>...</p></div>
	</htmltext>
<tokenext>precisely because insurance only makes sense for big-ticket items , the effect of an economic downturn and concern about future finances should be to reduce purchases , not to make the purchases and then add insurance.We are where we are ( in a downturn following a bubble ) exactly because the vast majority of people does not act in a rational way.It 's thus hardly surprising that most people react the way they do .
Instead of curtailing their purchases , they follow the same old habits of unthinking consumerism ( the same ones from one or two years ago that meant that people spent more than they earned and which inflated the bubble that just burst ) were they " really have to have that brand new plasma TV " , so they : - Buy the TV instead of postponing the purchase.- Buy themselves some piece of mind by paying for insurance in the form of an extended warranty.PS : Interestingly enough , governments keep pushing the " spend , spend , spend " message as the way to pull us out of the recession .
The " interesting " part is that , taken to it 's natural conclusion the " spend , spend , spend " will inflate a bubble just like the last one followed by a recession just like the current one .. .</tokentext>
<sentencetext>precisely because insurance only makes sense for big-ticket items, the effect of an economic downturn and concern about future finances should be to reduce purchases, not to make the purchases and then add insurance.We are where we are (in a downturn following a bubble) exactly because the vast majority of people does not act in a rational way.It's thus hardly surprising that most people react the way they do.
Instead of curtailing their purchases, they follow the same old habits of unthinking consumerism (the same ones from one or two years ago that meant that people spent more than they earned and which inflated the bubble that just burst) were they "really have to have that brand new plasma TV", so they:- Buy the TV instead of postponing the purchase.- Buy themselves some piece of mind by paying for insurance in the form of an extended warranty.PS: Interestingly enough, governments keep pushing the "spend, spend, spend" message as the way to pull us out of the recession.
The "interesting" part is that, taken to it's natural conclusion the "spend, spend, spend" will inflate a bubble just like the last one followed by a recession just like the current one ...
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442484</id>
	<title>Respect goes to ebuyer</title>
	<author>Anonymous</author>
	<datestamp>1260881040000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>I recently bought a 37" full HD from ebuyer. It was one of their own brands, that is to say, a no-name that they buy from the far east and rebrand here in the UK, sold exclusively by ebuyer.</p><p>The problem with this is, when it broke, 2 months after purchase, I couldnt find a single website or support number for this brand of TV. I called up ebuyer and they took care of everything. After I described the problem they came and collected it, and within a week I had a brand new TV as a replacement.</p><p>As far as I could tell they didnt offer to sell me an extended warranty. The TV is under manufacturer (ebuyer) warranty for 3 years.</p></htmltext>
<tokenext>I recently bought a 37 " full HD from ebuyer .
It was one of their own brands , that is to say , a no-name that they buy from the far east and rebrand here in the UK , sold exclusively by ebuyer.The problem with this is , when it broke , 2 months after purchase , I couldnt find a single website or support number for this brand of TV .
I called up ebuyer and they took care of everything .
After I described the problem they came and collected it , and within a week I had a brand new TV as a replacement.As far as I could tell they didnt offer to sell me an extended warranty .
The TV is under manufacturer ( ebuyer ) warranty for 3 years .</tokentext>
<sentencetext>I recently bought a 37" full HD from ebuyer.
It was one of their own brands, that is to say, a no-name that they buy from the far east and rebrand here in the UK, sold exclusively by ebuyer.The problem with this is, when it broke, 2 months after purchase, I couldnt find a single website or support number for this brand of TV.
I called up ebuyer and they took care of everything.
After I described the problem they came and collected it, and within a week I had a brand new TV as a replacement.As far as I could tell they didnt offer to sell me an extended warranty.
The TV is under manufacturer (ebuyer) warranty for 3 years.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30446748</id>
	<title>Warranties</title>
	<author>gurps\_npc</author>
	<datestamp>1260901980000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>The basic problem is that a product should not need a warranty.  The producers originally include them for free as 'proof' that their product is not a piece of crap.  People don't buy a warranty for clothing.
<p>
Warranties/insurance for expensive items make sense.  If your home burns down or your car breaks, you might not be able to afford to fix them.  But it doesn't make sense for cheap things.  You see the companies selling them (as opposed to giving them away for free) are making a profit.  So the money everyone gives them exceeds the money the money they will give out.  PLUS you have the rather large inconvenience of attempting to get your money if the product breaks.  Not easy.
</p><p>
So the idea of paying for a warranty for something less than a month's salary, seems extremely counterproductive.  You can afford to replace it if it breaks down due to bad luck.   The only reason to do so is if you think the chances of the piece of crap breaking down is GREATER than the warrant-er thinks + the inconvenience of dealing with them.
</p><p>
Especially considering you probably buy more than 10 pieces of 'warrantable' items a year.  It makes FAR more sense to simply put an extra 10\% of the cost of each item into a 'warranty jar'/bank account and when something breaks, take the cash out of that.</p></htmltext>
<tokenext>The basic problem is that a product should not need a warranty .
The producers originally include them for free as 'proof ' that their product is not a piece of crap .
People do n't buy a warranty for clothing .
Warranties/insurance for expensive items make sense .
If your home burns down or your car breaks , you might not be able to afford to fix them .
But it does n't make sense for cheap things .
You see the companies selling them ( as opposed to giving them away for free ) are making a profit .
So the money everyone gives them exceeds the money the money they will give out .
PLUS you have the rather large inconvenience of attempting to get your money if the product breaks .
Not easy .
So the idea of paying for a warranty for something less than a month 's salary , seems extremely counterproductive .
You can afford to replace it if it breaks down due to bad luck .
The only reason to do so is if you think the chances of the piece of crap breaking down is GREATER than the warrant-er thinks + the inconvenience of dealing with them .
Especially considering you probably buy more than 10 pieces of 'warrantable ' items a year .
It makes FAR more sense to simply put an extra 10 \ % of the cost of each item into a 'warranty jar'/bank account and when something breaks , take the cash out of that .</tokentext>
<sentencetext>The basic problem is that a product should not need a warranty.
The producers originally include them for free as 'proof' that their product is not a piece of crap.
People don't buy a warranty for clothing.
Warranties/insurance for expensive items make sense.
If your home burns down or your car breaks, you might not be able to afford to fix them.
But it doesn't make sense for cheap things.
You see the companies selling them (as opposed to giving them away for free) are making a profit.
So the money everyone gives them exceeds the money the money they will give out.
PLUS you have the rather large inconvenience of attempting to get your money if the product breaks.
Not easy.
So the idea of paying for a warranty for something less than a month's salary, seems extremely counterproductive.
You can afford to replace it if it breaks down due to bad luck.
The only reason to do so is if you think the chances of the piece of crap breaking down is GREATER than the warrant-er thinks + the inconvenience of dealing with them.
Especially considering you probably buy more than 10 pieces of 'warrantable' items a year.
It makes FAR more sense to simply put an extra 10\% of the cost of each item into a 'warranty jar'/bank account and when something breaks, take the cash out of that.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442740</id>
	<title>Consumers, or salespeople?</title>
	<author>beatsme</author>
	<datestamp>1260884100000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Maybe this has less to do with consumers, and more to do with the pressure salespeople are under to sell extended warranties (i.e. Best Buy, where I've heard each salesperson has a quota to meet)? As a salesperson, and if I were morally bankrupt, I would certainly use the recession to persuade a customer to get a warranty.</htmltext>
<tokenext>Maybe this has less to do with consumers , and more to do with the pressure salespeople are under to sell extended warranties ( i.e .
Best Buy , where I 've heard each salesperson has a quota to meet ) ?
As a salesperson , and if I were morally bankrupt , I would certainly use the recession to persuade a customer to get a warranty .</tokentext>
<sentencetext>Maybe this has less to do with consumers, and more to do with the pressure salespeople are under to sell extended warranties (i.e.
Best Buy, where I've heard each salesperson has a quota to meet)?
As a salesperson, and if I were morally bankrupt, I would certainly use the recession to persuade a customer to get a warranty.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442442</id>
	<title>Re:You get what you pay for</title>
	<author>MrNaz</author>
	<datestamp>1260880680000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Your non-car analogy is not welcome here.</p></htmltext>
<tokenext>Your non-car analogy is not welcome here .</tokentext>
<sentencetext>Your non-car analogy is not welcome here.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30448130</id>
	<title>We need a plague</title>
	<author>Anonymous</author>
	<datestamp>1260907140000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>We need something to kill off all the stupid people.  Even people right here posting on this page are stupid enough to defend extended warranties even though it is easily proven that they are a bad idea.  The problem is stupid people are being protected too much, and they keep on breeding ("Do you have protection?" "Don't worry, I'll pull out." "Oh, ok then."), so we end up with more and more of them.  What we need is a good old-fashioned plague.  Now I'm not talking about these recent (bird flu, hamthrax) "epidemics" that everyone panics about, but that has no real impact on the population.  Nor do I mean AIDS; that's just too slow.  I mean we need a good, solid, wipe-out-two-thirds-of-the-population, carried-by-rats-and-mosquitoes kind of plague.  People smart enough to obey quarantines and take proper precautions: better chance to live.  People who don't: better chance to die.  Statistics will eventually prove itself.  Sure, we'll lose most of our politicians, and California will be mostly empty, but in the long run, we'll be stronger for it.</p></htmltext>
<tokenext>We need something to kill off all the stupid people .
Even people right here posting on this page are stupid enough to defend extended warranties even though it is easily proven that they are a bad idea .
The problem is stupid people are being protected too much , and they keep on breeding ( " Do you have protection ?
" " Do n't worry , I 'll pull out .
" " Oh , ok then .
" ) , so we end up with more and more of them .
What we need is a good old-fashioned plague .
Now I 'm not talking about these recent ( bird flu , hamthrax ) " epidemics " that everyone panics about , but that has no real impact on the population .
Nor do I mean AIDS ; that 's just too slow .
I mean we need a good , solid , wipe-out-two-thirds-of-the-population , carried-by-rats-and-mosquitoes kind of plague .
People smart enough to obey quarantines and take proper precautions : better chance to live .
People who do n't : better chance to die .
Statistics will eventually prove itself .
Sure , we 'll lose most of our politicians , and California will be mostly empty , but in the long run , we 'll be stronger for it .</tokentext>
<sentencetext>We need something to kill off all the stupid people.
Even people right here posting on this page are stupid enough to defend extended warranties even though it is easily proven that they are a bad idea.
The problem is stupid people are being protected too much, and they keep on breeding ("Do you have protection?
" "Don't worry, I'll pull out.
" "Oh, ok then.
"), so we end up with more and more of them.
What we need is a good old-fashioned plague.
Now I'm not talking about these recent (bird flu, hamthrax) "epidemics" that everyone panics about, but that has no real impact on the population.
Nor do I mean AIDS; that's just too slow.
I mean we need a good, solid, wipe-out-two-thirds-of-the-population, carried-by-rats-and-mosquitoes kind of plague.
People smart enough to obey quarantines and take proper precautions: better chance to live.
People who don't: better chance to die.
Statistics will eventually prove itself.
Sure, we'll lose most of our politicians, and California will be mostly empty, but in the long run, we'll be stronger for it.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442606</id>
	<title>Bought one on my new washer...</title>
	<author>EmagGeek</author>
	<datestamp>1260882660000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>After my 5 year old washer died, and they wanted $126 service call plus $170/hr plus $350 for the part to repair it, it was cheaper just to buy a new one.</p><p>I've not had a washer last 5 years in my lifetime, so I figure if I could just "pre-buy" a new one for $280, as I did with my new $900 LG washer, it's worth it. Repair is not an option because for some reason, fixing a washer costs $170/hr for labor and astronomical dollars for parts.</p></htmltext>
<tokenext>After my 5 year old washer died , and they wanted $ 126 service call plus $ 170/hr plus $ 350 for the part to repair it , it was cheaper just to buy a new one.I 've not had a washer last 5 years in my lifetime , so I figure if I could just " pre-buy " a new one for $ 280 , as I did with my new $ 900 LG washer , it 's worth it .
Repair is not an option because for some reason , fixing a washer costs $ 170/hr for labor and astronomical dollars for parts .</tokentext>
<sentencetext>After my 5 year old washer died, and they wanted $126 service call plus $170/hr plus $350 for the part to repair it, it was cheaper just to buy a new one.I've not had a washer last 5 years in my lifetime, so I figure if I could just "pre-buy" a new one for $280, as I did with my new $900 LG washer, it's worth it.
Repair is not an option because for some reason, fixing a washer costs $170/hr for labor and astronomical dollars for parts.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443042</id>
	<title>Re:You get what you pay for</title>
	<author>BlackCobra43</author>
	<datestamp>1260886980000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Your analogies brighten my day like an unexpected second pizza.</htmltext>
<tokenext>Your analogies brighten my day like an unexpected second pizza .</tokentext>
<sentencetext>Your analogies brighten my day like an unexpected second pizza.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442852</id>
	<title>Re:Good enough</title>
	<author>Anonymous</author>
	<datestamp>1260885300000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Very true, but let's be honest. Apple users will buy each new model regardless of whether it actually offers anything new and windows users generally find to cheaper to replace their machines than pay someone to clear out all the malware and junk turning their latest machine into a 486. Gamers evolve their machines and love to build new hot devices. There's really no slowdown in sales here, except in the office environment.</p></htmltext>
<tokenext>Very true , but let 's be honest .
Apple users will buy each new model regardless of whether it actually offers anything new and windows users generally find to cheaper to replace their machines than pay someone to clear out all the malware and junk turning their latest machine into a 486 .
Gamers evolve their machines and love to build new hot devices .
There 's really no slowdown in sales here , except in the office environment .</tokentext>
<sentencetext>Very true, but let's be honest.
Apple users will buy each new model regardless of whether it actually offers anything new and windows users generally find to cheaper to replace their machines than pay someone to clear out all the malware and junk turning their latest machine into a 486.
Gamers evolve their machines and love to build new hot devices.
There's really no slowdown in sales here, except in the office environment.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442266</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208</id>
	<title>Re:Not worth the money?</title>
	<author>Anonymous</author>
	<datestamp>1260877500000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>5</modscore>
	<htmltext><p>Like all other kinds of insurance, the only question is whether you have the capital to pay for the risk.  Insurance is a simple transaction, in which you pay someone else to provide the capital necessary to cover you in case of some bad event taking place.  It's worth it to you since you don't need to have this available capital.</p><p>The expected direct monetary cost of insurance (premium minus expected payout) has to be negative, or the insurance company won't be making money.  In other words, you must pay them more than the product of the probability of the outcome times the damage.  Insurance nevertheless has positive value since this comparison (permium vs payout) only makes sense to someone who has the resources to make the payout.</p><p>Thus it's a good idea to insure your house -- if it burned down you probably don't have the money to buy yourself a new one, so instead you pay the insurance company to have money to buy you a new house.  However, buying warranty for most electronics is a waste -- why not act as your own insurer, cutting the middleman and saving on the premium?  People who buying electronics so expensive they cannot cannot afford to pay to fix or replace should consider insurance -- but precisely because insurance only makes sense for big-ticket items, the effect of an economic downturn and concern about future finances should be to reduce purchases, not to make the purchases and then add insurance.</p></htmltext>
<tokenext>Like all other kinds of insurance , the only question is whether you have the capital to pay for the risk .
Insurance is a simple transaction , in which you pay someone else to provide the capital necessary to cover you in case of some bad event taking place .
It 's worth it to you since you do n't need to have this available capital.The expected direct monetary cost of insurance ( premium minus expected payout ) has to be negative , or the insurance company wo n't be making money .
In other words , you must pay them more than the product of the probability of the outcome times the damage .
Insurance nevertheless has positive value since this comparison ( permium vs payout ) only makes sense to someone who has the resources to make the payout.Thus it 's a good idea to insure your house -- if it burned down you probably do n't have the money to buy yourself a new one , so instead you pay the insurance company to have money to buy you a new house .
However , buying warranty for most electronics is a waste -- why not act as your own insurer , cutting the middleman and saving on the premium ?
People who buying electronics so expensive they can not can not afford to pay to fix or replace should consider insurance -- but precisely because insurance only makes sense for big-ticket items , the effect of an economic downturn and concern about future finances should be to reduce purchases , not to make the purchases and then add insurance .</tokentext>
<sentencetext>Like all other kinds of insurance, the only question is whether you have the capital to pay for the risk.
Insurance is a simple transaction, in which you pay someone else to provide the capital necessary to cover you in case of some bad event taking place.
It's worth it to you since you don't need to have this available capital.The expected direct monetary cost of insurance (premium minus expected payout) has to be negative, or the insurance company won't be making money.
In other words, you must pay them more than the product of the probability of the outcome times the damage.
Insurance nevertheless has positive value since this comparison (permium vs payout) only makes sense to someone who has the resources to make the payout.Thus it's a good idea to insure your house -- if it burned down you probably don't have the money to buy yourself a new one, so instead you pay the insurance company to have money to buy you a new house.
However, buying warranty for most electronics is a waste -- why not act as your own insurer, cutting the middleman and saving on the premium?
People who buying electronics so expensive they cannot cannot afford to pay to fix or replace should consider insurance -- but precisely because insurance only makes sense for big-ticket items, the effect of an economic downturn and concern about future finances should be to reduce purchases, not to make the purchases and then add insurance.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30448460</id>
	<title>Are you telling me this is no good</title>
	<author>FrankHS</author>
	<datestamp>1260908460000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>When I get the "You need to buy the extended warranty" pitch I look incredulously at the salesman and ask, "Are you telling me this is no good?".




The vast majority of these extended warranties are just plain rip offs.</htmltext>
<tokenext>When I get the " You need to buy the extended warranty " pitch I look incredulously at the salesman and ask , " Are you telling me this is no good ? " .
The vast majority of these extended warranties are just plain rip offs .</tokentext>
<sentencetext>When I get the "You need to buy the extended warranty" pitch I look incredulously at the salesman and ask, "Are you telling me this is no good?".
The vast majority of these extended warranties are just plain rip offs.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442230</id>
	<title>Contradictory example in the story</title>
	<author>Anonymous</author>
	<datestamp>1260877680000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>On the one hand it says extended warranty is good for TVs. On the other hand it says the manufacturer took 45 days to repair without one. The latter actually sounds like the best that could happen to you.</p><p>Once you are forced to live a few days or weeks without a TV, you'll suddenly realise how little you need it and how much time you've wasted watching it.</p><p>Not buying an extended warranty can save you the money for the warranty AND the subscription fee for your TV company AND future TV set expenses AND an excessive amount of time.</p></htmltext>
<tokenext>On the one hand it says extended warranty is good for TVs .
On the other hand it says the manufacturer took 45 days to repair without one .
The latter actually sounds like the best that could happen to you.Once you are forced to live a few days or weeks without a TV , you 'll suddenly realise how little you need it and how much time you 've wasted watching it.Not buying an extended warranty can save you the money for the warranty AND the subscription fee for your TV company AND future TV set expenses AND an excessive amount of time .</tokentext>
<sentencetext>On the one hand it says extended warranty is good for TVs.
On the other hand it says the manufacturer took 45 days to repair without one.
The latter actually sounds like the best that could happen to you.Once you are forced to live a few days or weeks without a TV, you'll suddenly realise how little you need it and how much time you've wasted watching it.Not buying an extended warranty can save you the money for the warranty AND the subscription fee for your TV company AND future TV set expenses AND an excessive amount of time.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442782</id>
	<title>Its purchasing a quality drop option...</title>
	<author>vlm</author>
	<datestamp>1260884580000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>2</modscore>
	<htmltext><p><div class="quote"><p>Consumers 'tend to be more risk-averse and are less willing to absorb the cost of an unexpected product repair or replacement,' says Timothy Meenan, the council's executive director.</p></div><p>Sounds pretty bogus to me.  My logic in buying an extended warranty is its an option on low quality.  Has the quality of the product dropped enough to now make the warranty a good deal?  In the past, sure, it was a ripoff, but now the papers are full of stories about junk from china, inedible food, lead paint on everything, etc.  And everyone has the experience of buying something from China-Mart that instantly falls apart or is simply unsuitable for any purpose.</p><p>Would I buy an extended warranty on a Milwaukee Tools Inc genuine made in America Sawzall, from perhaps the 1980s?  No, that would have been a waste, that saw will run until my great grandkids use it.  Note, Milw Tool website declares they're now a "globalized" company so I would assume (perhaps incorrectly) that they only ship Chinese trash now, I'm referring to the products from the good old days.  Would I buy an extended warranty on a generic sun-moon-star Inc reciprocating saw from china that doesn't even have instructions in English nor a genuine UL listing?  Heck Yeah, that thing probably won't even last thru one complete job!</p><p>So the real focus of the story isn't some "adsorbing cost" BS, it is a story about downscaling quality because of lack of spending money.  Store brand, or generic, instead of the real deal.  And even the real deal is all outsourced to the point of uselessness.</p></div>
	</htmltext>
<tokenext>Consumers 'tend to be more risk-averse and are less willing to absorb the cost of an unexpected product repair or replacement, ' says Timothy Meenan , the council 's executive director.Sounds pretty bogus to me .
My logic in buying an extended warranty is its an option on low quality .
Has the quality of the product dropped enough to now make the warranty a good deal ?
In the past , sure , it was a ripoff , but now the papers are full of stories about junk from china , inedible food , lead paint on everything , etc .
And everyone has the experience of buying something from China-Mart that instantly falls apart or is simply unsuitable for any purpose.Would I buy an extended warranty on a Milwaukee Tools Inc genuine made in America Sawzall , from perhaps the 1980s ?
No , that would have been a waste , that saw will run until my great grandkids use it .
Note , Milw Tool website declares they 're now a " globalized " company so I would assume ( perhaps incorrectly ) that they only ship Chinese trash now , I 'm referring to the products from the good old days .
Would I buy an extended warranty on a generic sun-moon-star Inc reciprocating saw from china that does n't even have instructions in English nor a genuine UL listing ?
Heck Yeah , that thing probably wo n't even last thru one complete job ! So the real focus of the story is n't some " adsorbing cost " BS , it is a story about downscaling quality because of lack of spending money .
Store brand , or generic , instead of the real deal .
And even the real deal is all outsourced to the point of uselessness .</tokentext>
<sentencetext>Consumers 'tend to be more risk-averse and are less willing to absorb the cost of an unexpected product repair or replacement,' says Timothy Meenan, the council's executive director.Sounds pretty bogus to me.
My logic in buying an extended warranty is its an option on low quality.
Has the quality of the product dropped enough to now make the warranty a good deal?
In the past, sure, it was a ripoff, but now the papers are full of stories about junk from china, inedible food, lead paint on everything, etc.
And everyone has the experience of buying something from China-Mart that instantly falls apart or is simply unsuitable for any purpose.Would I buy an extended warranty on a Milwaukee Tools Inc genuine made in America Sawzall, from perhaps the 1980s?
No, that would have been a waste, that saw will run until my great grandkids use it.
Note, Milw Tool website declares they're now a "globalized" company so I would assume (perhaps incorrectly) that they only ship Chinese trash now, I'm referring to the products from the good old days.
Would I buy an extended warranty on a generic sun-moon-star Inc reciprocating saw from china that doesn't even have instructions in English nor a genuine UL listing?
Heck Yeah, that thing probably won't even last thru one complete job!So the real focus of the story isn't some "adsorbing cost" BS, it is a story about downscaling quality because of lack of spending money.
Store brand, or generic, instead of the real deal.
And even the real deal is all outsourced to the point of uselessness.
	</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442802</id>
	<title>Re:Not worth the money?</title>
	<author>Max Romantschuk</author>
	<datestamp>1260884700000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Yes, I have this thing called a filing system...<nobr> <wbr></nobr>;)</p><p>It's either in the in-pile, in the warranty-receipts -folder, or in the receipts 200X folder.</p></htmltext>
<tokenext>Yes , I have this thing called a filing system... ; ) It 's either in the in-pile , in the warranty-receipts -folder , or in the receipts 200X folder .</tokentext>
<sentencetext>Yes, I have this thing called a filing system... ;)It's either in the in-pile, in the warranty-receipts -folder, or in the receipts 200X folder.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442428</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442648</id>
	<title>Asus G1S</title>
	<author>Hal\_Porter</author>
	<datestamp>1260883020000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I've got an Asus G1S. Originally it had an Nvidia 8600M graphics chip which failed. First time it happened they swapped the motherboard for another one with an 8600M. Next time they swapped it for a  motherboard with a 9500M GT. Both swaps were free, even though the replacement motherboards are probably pretty expensive. At that point I was quite close to the end of the two year warranty so I asked if they'd sell me an extended warranty. Needless to say they declined. Mind you the 9500M GT is supposed not to have the defect the 8600M had.</p><p>Still there are cases where an extended warranty makes sense. Still efficient companies don't sell products where it does.</p></htmltext>
<tokenext>I 've got an Asus G1S .
Originally it had an Nvidia 8600M graphics chip which failed .
First time it happened they swapped the motherboard for another one with an 8600M .
Next time they swapped it for a motherboard with a 9500M GT .
Both swaps were free , even though the replacement motherboards are probably pretty expensive .
At that point I was quite close to the end of the two year warranty so I asked if they 'd sell me an extended warranty .
Needless to say they declined .
Mind you the 9500M GT is supposed not to have the defect the 8600M had.Still there are cases where an extended warranty makes sense .
Still efficient companies do n't sell products where it does .</tokentext>
<sentencetext>I've got an Asus G1S.
Originally it had an Nvidia 8600M graphics chip which failed.
First time it happened they swapped the motherboard for another one with an 8600M.
Next time they swapped it for a  motherboard with a 9500M GT.
Both swaps were free, even though the replacement motherboards are probably pretty expensive.
At that point I was quite close to the end of the two year warranty so I asked if they'd sell me an extended warranty.
Needless to say they declined.
Mind you the 9500M GT is supposed not to have the defect the 8600M had.Still there are cases where an extended warranty makes sense.
Still efficient companies don't sell products where it does.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442234</id>
	<title>Re:Not worth the money?</title>
	<author>Sockatume</author>
	<datestamp>1260877800000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>2</modscore>
	<htmltext><p>In some parts of the world, consumer protection laws would ensure you get a bad device repaired regardless, on either the store or the manufacturer's dime. This includes several parts of the US that have enacted "lemon laws". Lemme put it another way, why would you buy a product that's so unreliable that the shop's desperate to get you to buy a warranty on it? Find someone reliable and buy their product instead. If you're willing to put up with shoddy products as a matter of course, then they're just going to keep putting out self-destructing garbage.</p></htmltext>
<tokenext>In some parts of the world , consumer protection laws would ensure you get a bad device repaired regardless , on either the store or the manufacturer 's dime .
This includes several parts of the US that have enacted " lemon laws " .
Lem me put it another way , why would you buy a product that 's so unreliable that the shop 's desperate to get you to buy a warranty on it ?
Find someone reliable and buy their product instead .
If you 're willing to put up with shoddy products as a matter of course , then they 're just going to keep putting out self-destructing garbage .</tokentext>
<sentencetext>In some parts of the world, consumer protection laws would ensure you get a bad device repaired regardless, on either the store or the manufacturer's dime.
This includes several parts of the US that have enacted "lemon laws".
Lemme put it another way, why would you buy a product that's so unreliable that the shop's desperate to get you to buy a warranty on it?
Find someone reliable and buy their product instead.
If you're willing to put up with shoddy products as a matter of course, then they're just going to keep putting out self-destructing garbage.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444816</id>
	<title>Re:It's the recession</title>
	<author>fostware</author>
	<datestamp>1260895560000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>Extended warranties are like lottery tickets in that the poor and stupid buy 'em up like they're going out of style.</p></div><p>My Dell 1730 has the dreaded nVidia 8800GTX issue (in SLI no less). Dell admitted they'll replace them for 18mths (std wty +6mths) so naturally they died at 20mths - twice.</p><p>The replacement cost was AUD$500 each time, the wty was $400 for an extra 24mths.</p><p><i> <b>Buying</b> an extended warranty <b>'cos a salesperson suggested it, without research and forethought,</b> is like lottery tickets in that the poor and stupid buy 'em up like they're going out of style.</i></p><p>Fixed it for you...</p></div>
	</htmltext>
<tokenext>Extended warranties are like lottery tickets in that the poor and stupid buy 'em up like they 're going out of style.My Dell 1730 has the dreaded nVidia 8800GTX issue ( in SLI no less ) .
Dell admitted they 'll replace them for 18mths ( std wty + 6mths ) so naturally they died at 20mths - twice.The replacement cost was AUD $ 500 each time , the wty was $ 400 for an extra 24mths .
Buying an extended warranty 'cos a salesperson suggested it , without research and forethought , is like lottery tickets in that the poor and stupid buy 'em up like they 're going out of style.Fixed it for you.. .</tokentext>
<sentencetext>Extended warranties are like lottery tickets in that the poor and stupid buy 'em up like they're going out of style.My Dell 1730 has the dreaded nVidia 8800GTX issue (in SLI no less).
Dell admitted they'll replace them for 18mths (std wty +6mths) so naturally they died at 20mths - twice.The replacement cost was AUD$500 each time, the wty was $400 for an extra 24mths.
Buying an extended warranty 'cos a salesperson suggested it, without research and forethought, is like lottery tickets in that the poor and stupid buy 'em up like they're going out of style.Fixed it for you...
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442228</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30496614</id>
	<title>overpriced</title>
	<author>Anonymous</author>
	<datestamp>1261158960000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>retailers make a big chunk of their profits selling "warranties"</p><p>www.wholesalewarrantyclub.com</p></htmltext>
<tokenext>retailers make a big chunk of their profits selling " warranties " www.wholesalewarrantyclub.com</tokentext>
<sentencetext>retailers make a big chunk of their profits selling "warranties"www.wholesalewarrantyclub.com</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30449076</id>
	<title>Do the math</title>
	<author>FrankHS</author>
	<datestamp>1260868260000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>At the risk of stating the obvious, do the math.</p><p>Do a rough calculation of the percentage that the warranty costs vs. the value of the item. Then make an estimate of the probability that the item will need repair during the period of the extended warranty (say year 2 and 3) of a 3 year extended warranty. This often looks like a toss up.</p><p>Add to that the fact of depreciation. The computer you pay $1100 for today will be worth $100 in 5 years. In this example it drops in value about $200 per year.</p><p>Add to that the hassle in getting a warranty repair ( your time involved in finding your paperwork, getting the warranty company to actually honor the warranty, your own willingness to persist in getting the repairs completed, etc).</p><p>It almost always turns out that you would be better off saving the warranty money in a replacement account that you could use when some item failed.</p></htmltext>
<tokenext>At the risk of stating the obvious , do the math.Do a rough calculation of the percentage that the warranty costs vs. the value of the item .
Then make an estimate of the probability that the item will need repair during the period of the extended warranty ( say year 2 and 3 ) of a 3 year extended warranty .
This often looks like a toss up.Add to that the fact of depreciation .
The computer you pay $ 1100 for today will be worth $ 100 in 5 years .
In this example it drops in value about $ 200 per year.Add to that the hassle in getting a warranty repair ( your time involved in finding your paperwork , getting the warranty company to actually honor the warranty , your own willingness to persist in getting the repairs completed , etc ) .It almost always turns out that you would be better off saving the warranty money in a replacement account that you could use when some item failed .</tokentext>
<sentencetext>At the risk of stating the obvious, do the math.Do a rough calculation of the percentage that the warranty costs vs. the value of the item.
Then make an estimate of the probability that the item will need repair during the period of the extended warranty (say year 2 and 3) of a 3 year extended warranty.
This often looks like a toss up.Add to that the fact of depreciation.
The computer you pay $1100 for today will be worth $100 in 5 years.
In this example it drops in value about $200 per year.Add to that the hassle in getting a warranty repair ( your time involved in finding your paperwork, getting the warranty company to actually honor the warranty, your own willingness to persist in getting the repairs completed, etc).It almost always turns out that you would be better off saving the warranty money in a replacement account that you could use when some item failed.</sentencetext>
</comment>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_37</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30446860
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_42</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30457922
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_13</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442178
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_2</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442366
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447430
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_27</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442266
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442808
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443470
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_32</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443580
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447840
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_1</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442290
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442596
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_34</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442168
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443052
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_10</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442390
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443658
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_19</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443444
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_35</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30445026
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_26</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442382
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_7</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442442
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_0</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443702
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_25</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30446330
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_16</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442296
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447658
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_17</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442266
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442852
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_6</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444398
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_24</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442358
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444474
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_5</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442390
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30452426
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_38</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442318
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_41</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442358
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444780
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_14</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442290
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442560
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_39</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442266
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442808
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30448446
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_46</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444710
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_4</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442410
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_29</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442390
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442812
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_40</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442182
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_11</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442764
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_36</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443042
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_30</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443984
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_28</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30448994
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_31</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442228
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444816
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_9</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447808
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_33</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443056
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_18</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30450404
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_23</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447422
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_8</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442428
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442802
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_44</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30446418
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_15</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442290
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30449858
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_20</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442756
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_43</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442428
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443264
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_22</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443834
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_45</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444212
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_3</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442390
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443280
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_21</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442234
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30448044
</commentlist>
</thread>
<thread>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_09_12_15_0134246_12</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442228
http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444600
</commentlist>
</thread>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.2</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442800
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.0</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442296
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447658
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.13</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442606
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.3</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442088
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443042
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443984
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30446860
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444710
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442442
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442168
--http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443052
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443444
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30446330
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.6</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442108
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442410
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443702
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442756
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442178
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443834
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442234
--http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30448044
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447808
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442208
--http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444398
--http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442764
--http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30445026
--http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442366
---http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447430
--http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442382
--http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442318
--http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444212
--http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30448994
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30446418
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447422
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30457922
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443056
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442182
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30450404
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442428
--http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442802
--http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443264
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.11</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442782
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.1</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443580
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30447840
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.4</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442228
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444600
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444816
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.14</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442290
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442596
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442560
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30449858
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.17</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442604
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.7</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442230
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.12</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442314
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.15</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30446748
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.5</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442390
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443280
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442812
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30452426
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443658
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.16</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442484
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.10</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442266
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442808
--http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443470
--http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30448446
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442852
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.8</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30442358
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444780
-http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30444474
</commentlist>
</conversation>
<conversation>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#conversation09_12_15_0134246.9</id>
	<commentlist>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_15_0134246.30443778
</commentlist>
</conversation>
