樂，學中文、教中文。/Enjoy learning &Teaching Chinese

ALAN HENRY2017年10月27日

https://cn.nytstyle.com/technology/20171027/five-tech-myths-people-still-believe/en-us/

誤解五：延保計劃是值得的

眼下，無論你買什麼東西，對方不提供延保計劃的情況可太少見了。不論你在網上還是實體店裡購物，零售商都常常向你推銷第三方「保護計劃」或「服務計劃」，它們承諾，你只要再多花一點錢，你購買的設備在未來幾年裡發生損壞時，就會得到更換或修理。這些計劃的問題在於：它們幾乎總是不必要的——又或者你能從中得到的好處非常有限，還不如在購物時更精明一點來得管用。

Myth 5: Extended warranty plans are worth your money

It’s tough to buy anything at this point without being offered an extended warranty. Whether you’re shopping online or in a brick-and-mortar store, retailers often dangle third-party “protection programs” and “service plans” in front of you, promising that, for a few extra bucks, they’ll replace or repair your purchase if damaged over the next few years. The problem with these offers is that they’re almost always unnecessary — or worse than what you could get otherwise with a little savvy shopping.

很多時候，昂貴的延保服務與生產商原本就提供的質保服務在時間段上存在重疊，這意味著你或許要為手機生產商已經提供的保障再花一份錢。因此一定要研究一下你的設備自帶的質保服務。與此類似的是，如果你使用信用卡，你甚至可能已經通過發卡機構獲得了延保——在把昂貴的手機加入購物車之前，請跟那家公司進行核實。

In many cases, the pricey extended warranty runs right alongside the existing manufacturer’s warranty, which means you may be paying twice for coverage the phone’s maker already provides. So be sure to research the warranty that comes with your device. Similarly, if you use a credit card, you may even have extended warranty protectionthrough the card’s issuer — check with that company before you add the pricey phone to your cart.

最後，請考慮一下，延保費用是多少，購買設備的實際總花銷又會是多少。你或許莫不如省下購買延保服務的錢，將其存入一個儲蓄帳戶，作為「雨天基金」。這樣一來，如果需要為修理或更換設備付款，你可以用自己的錢，不用被迫走一道又一道繁瑣的程序，只為從經營保護計劃的公司那裡獲得服務。

Finally, consider how much the extended warranty costs versus the actual total of the gadget you’re buying. You may be better off taking the money you would have used on the warranty plan and stashing it in a savings account as a “rainy day fund.” Then, if you do need to pay for a repair or replacement, you can use your own cash instead of having to jump through the hoops of getting service from the company managing the protection program.