The selling of extended warranties is getting way out of hand. However, you may find some circumstances where they are worth it, like HVAC systems for your homes and some auto warranties if you get them at the best price.

Almost three years ago, my wife and I purchased two new iPhones. The salesperson offered the monthly Protection Plan that would cost the price of a new phone at the end of just two years. Plus, they would only give you a refurbished phone as a replacement. Often we lose the paperwork or even forget we have them.

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