Waad garanaysaa su'aasha: " Ma jeclaan lahayd inaad maalgeliso dammaanadda la dheereeyey ee alaabtan?" ^{(Would you like to invest in the extended warranty for this product?”)}Dadka iibka ah waxay riixaan dammaanadda la dheereeyey macaamiisha, waxayna u ekaan kartaa fikrad wanaagsan. Ka dib oo dhan, haddii aad ku bixinayso in ka badan $1,000 laptop cusub, waxaad u baahan doontaa nooc ka mid ah ilaalin haddii ay dhacdo. Waxaa jira hakad guud oo caalami ah kadib su'aasha la waydiiyo ka hor inta uusan macaamilka ka jawaabin isagoo dhoola cadeynaya, "Maya mahadsanid. uma baahni taas.” 

hakadkaasi waa marka macmiilku ka doodo; dammaanadda la dheereeyey ma mudan tahay? Tani waxay si gaar ah run ugu tahay waalidiinta u iibinaya tignoolajiyada carruurta yaryar ee laga yaabo inay jebiyaan aaladaha, si lama filaan ah ama haddii kale. 

Damaanada la dheereeyay ma u qalmaan Tech?^{(Are Extended Warranties Worth It For Tech?)}

Jawaabta gaaban waa maya, dammaanad la dheereeyey maaha mid u qalma. Inta ugu badan ee dammaanadaha la dheereeyey ayaa ah kuwo aan la isticmaalin oo u adeega in ay dakhli u soo saaraan tafaariiqda. Xaaladaha intooda badan, alaabadu iskood uma jebiyaan. Haddii ay dhacdo inaad jebiso laptop-ka ama tablet-ka, kharashka dayactirka ee jeebka ayaa inta badan ka yar inta aad ku bixin lahayd damaanada dheer. 

Si kale aan u dhigno. Waxaa jira warside la yiraahdo Todobaadka Warranty^{(Warranty Week)} oo u go'ay warshadaha dammaanadda. Sida ku cad warsidaha la diray Sebtembar 2017^{(newsletter sent out in September of 2017)} , dammaanad qaadyadu waa warshado dhan $23 bilyan. Dadku ma leeyihiin shilal intaas le'eg inta lagu jiro dhawrka sano ee ugu horreeya noloshooda? Ma dhici karto. 

Waxaa fiican inaad maya tidhaahdo damaanad dheer oo aad lacagtaas geliso akoon kayd ah oo loo isticmaali karo haddii ay dhacdo xaalad degdeg ah. Marka kaliya ee dammaanadda la dheereeyey ay mudan tahay in la tixgeliyo waa haddii aad ku sugan tahay xaalad aad ogtahay in qalabku leeyahay khatar sare oo waxyeello ah, sida laptop ama tablet-ka loogu talagalay shaqada goobta halkaasoo kulaylka, uumiga, iyo waxyaabaha kale ee khatarta ah ay ka baxsan yihiin heerka caadiga ah.

Si kastaba ha ahaatee, hubi in dammaanaddaadu ay daboosho noocyada waxyeellada mashiinka shaqada diiradda saaraya laga yaabo inuu la kulmo. Haddii dammaanad-kordhintaagu aanu bixinayn ka-hortagga nooca waxyeellada mashiinkaagu arki karo, ka bood oo geli kiis adag.

Noocyada kale ee dammaanadda ma mudan yihiin?^{(Are Other Types Of Warranties Worth It?)}

Iyadoo laga yaabo in dammaanadda la dheereeyey aysan u qalmin lacagtaada, waxaa jira noocyo kale oo ilaalin ah oo gebi ahaanba jira. Ilaalinta sidahaaga mobaylka, tusaale ahaan. Sida laga soo xigtay daraasad ay samaysay SquareTrade , qiyaastii 5,761 shaashadaha casriga ah ayaa jabsada saacad kasta^{(5,761 smartphone screens break every hour)} gudaha Ameerika^(America) . Dal ahaan, uma lihin aaladaha mobilada. Dabcan, daraasadda ayaa sidoo kale shaaca ka qaaday in inta badan nasashadan ay ka yimaadaan kiis baahsan oo ah butterfinger-74% ee nasashada ayaa ah natiijada ka soo baxa qalabka.

Inkasta oo dad badan ay ku qanacsan yihiin isticmaalka taleefoonka leh muraayad dilaacsan ilaa inta waxyeeladu aysan aad u weyneyn, ma jirto sabab loo isticmaalo. Ku dhawaad ​​bixiye kasta iyo sidayaal kastaa waxay bixiyaan qorshe ilaalin ah oo kuu ogolaanaya inaad ku beddesho shaashad dillaacsan ama jaban oo aan waxba ahayn. Marka qiimaha beddelka shaashadda kor u kaco (iPhone Xs Max celcelis ahaan qiyaastii $330 si loo dayactiro), ilaalinta sideyaasha waa maalgashi adag. 

Waa maxay sababta telefoonnada laakiin aan loo helin laptops? Dabeecada telefoonada awgeed^(Due) , waxay halis weyn ugu jiraan waxyeelada inta jeer ee la isticmaalo. Dadku markay socdaan qoraal qoraal ah, iyagoo kala soo baxay telefoonadooda si ay u hubiyaan ama uga jawaabaan farriinta iyaga oo aan eegin dariiqa hortooda yaal. Goorma ayay tahay markii ugu dambeysay ee aad si firfircoon u isticmaashid laptop-ka markaad dhex socoto? 

Si kastaba ha ahaatee, waxaa jira digniin tan. Kahor intaadan ogolaan caymiska casriga ah, si dhow u fiirso shuruudaha iyo shuruudaha. Haddii aad ku bixinayso $10 bishii caymiska oo aad weli jeebkaaga lagaa jarayo in ka badan $100 ama ka badan, uma qalanto. Haddii aad u baahan tahay inaad beddesho shaashadda, waxaad ku samayn kartaa beddelka laga dalbado Alibaba iyo dhawr saacadood oo leh YouTube .

Dammaanad-kordhinta ma u qalantaa alaabooyinka kale?^{(Are Extended Warranties Worth It For Other Products?)}

Dammaanad-kordhinta ayaa lagu bixiyaa ku dhawaad ​​wax kasta oo aad iibsato. Haddii aad maalgelin ku samaynayso qalab casri ah, ka boodi dammaanadda Dammaanadda wax-soo-saarayaasha ee gudaha ku dhex jira ayaa dabooli doona cillad kasta oo alaabta ku jirta taasoo keeni karta soo laabasho. Looma baahna damaanad dheer 

Waxay u badan tahay in lagu siiyo dammaanad dheerad ah markaad iibsanayso ciyaaraha fiidyaha. GameStop gaar ahaan waxay caan ku tahay tan — $3.99 ama wax la mid ah sannad ilaalin ah. Shirkaduhu waxay si joogto ah u bixiyaan qorshayaal ilaalin ah consoles-yada ciyaarta, sidoo kale. Looma baahna Dhibaato kasta oo soo saaraha dhashay waxaa lagu dayactiri doonaa wax yar ama kharash la'aan iyadoo shirkadaha ciyaarta ay isku dayayaan inay ku sii jiraan nimcada wanaagsan ee ciyaartoyda.

Ugu dambayntii, uma baahnid dammaanad dheerad ah telefishankaaga. Sababtoo ah TV-yadu^(TVs) inta badan waa barta dhexe ee guriga, shirkaduhu waxay ku qanciyaan iibsadayaasha inay hubiyaan in la ilaaliyo dhammaan kharashyada. Ka fakar^(Think) , goorma ayay ahayd markii ugu dambaysay ee uu telefishanku jabo si uu dammaanad dheerad ah u daboolo? Gelitaanka sidoo kale ciyaarta VR iyo burburinta shaashadda waxay u badan tahay inay ka baxsan tahay ilaalinta dammaanad qaadka. 

Qodobo Kale Oo Ay Tahay In Laga Fiirsado^{(Other Factors To Consider)}

Dammaanad-kordhinta waa dhif u qalantaa lacagta. Waxaa laga yaabaa inay jiraan dhowr xaaladood oo gaar ah oo ay mudan yihiin, laakiin kuwani way yar yihiin oo way ka fog yihiin. Dhanka kale, waxaa laga yaabaa inaad horey u haysatay dammaanad dheer oo aadan xitaa ogaan. Sidee? Laba eray - kaararka deynta.

Shirkado badan oo kaararka deynta ah ayaa si toos ah u bixiya dammaanad kordhinta wax iibsiga si ay uga faa'iidaystaan ​​macaamiishooda. American Express waxay u janjeertaa inay bixiso caynsanaanta ugu fiican, iyadoo MasterCard iyo Visa ay gadaal ka riixayaan. Dammaanadda soo saarahaaga mararka qaarkood waa la kordhin karaa, sidoo kale. Hubi daabacaadda ganaaxa. Xaalado badan, waxaad iska diiwaan gelin kartaa soo saaraha oo aad kordhin kartaa dhererka caymiska lacag la'aan.

Naftaada wanaag u samee. Ka bood dammaanadda la dheereeyey oo ku maalgeli lacagahaas akoon kayd ama dabool ilaalin la isku halayn karo.

Ma iibsatay dammaanad dheerad ah oo hore? Ma^(Did) heshay dammaanadda la dheereeyey ma waxay ahayd? Noogu sheeg faallooyinka hoose.

OTT Explains: Is It Worth Buying Extended Warranties for Tech?

Yoυ know the question: “Would you like to invest in the extended warranty for this product?” Sales people push extended warranty on consumers, and it might sound like a great idea. After all, if you’re spending over $1,000 on a new laptop, you’ll want some kind of protection in case it breaks. There is an almost universal pause after the question is asked before the consumer answers with a half-smile, “No thanks. I don’t need that.” 

That pause is when the customer debates; are extended warranties worth it? This holds especially true for parents buying tech for younger children that might break the devices, accidentally or not. 

Are Extended Warranties Worth It For Tech?

The short answer is no, an extended warranty is not worth it. The vast majority of extended warranties go unused and serve to generate revenue for the retailer. Under the vast majority of circumstances, products do not break on their own. If you do happen to break a laptop or a tablet, the cost of repair out of pocket is often less than what you would pay for the extended warranty. 

Let’s put it another way. There is a newsletter called Warranty Week dedicated to the warranty industry. According to a newsletter sent out in September of 2017, warranties are a $23 billion industry. Do people have that many accidents in the span of the first few years of their product’s life? Not likely. 

You are better off saying no to an extended warranty and instead placing that money into a savings account that can be used in the event of an emergency. The only time an extended warranty is worth considering is if you are in a situation where you know the device has a high risk of damage, such as a laptop or tablet for fieldwork where heat, condensation, and other risk factors are outside the norm.

However, make sure your warranty covers the types of damage a work-focused machine might encounter. If your extended warranty doesn’t offer protection for the type of damage your machine might see, skip it and invest in a sturdy case.

Are Other Types Of Warranties Worth It?

While an extended warranty might not be worth your money, there are other types of protections that absolutely are. Your mobile carrier’s protections, for instance. According to a study from SquareTrade, roughly 5,761 smartphone screens break every hour in America. As a country, we are not gentle with our mobile devices. Of course, the study also revealed that the majority of these breaks come from a widespread case of butterfingers—74% of breaks are the result of dropping a device.

Although many people are content to use a phone with a cracked screen as long as the damage isn’t too great, there’s no reason to. Almost every provider and carrier provides a protection plan that allows you to replace a cracked or broken screen for next to nothing. As the cost of screen replacements rise (the iPhone Xs Max averages around $330 to repair), carrier protections are a solid investment. 

Why phones but not laptops? Due to the nature of phones, they are at far greater risk of damage due to the frequency of use. People text on the go, pulling out their phones to check or reply to a message without looking at the path in front of them. When is the last time you actively used a laptop while walking around? 

There is a caveat to this, however. Before you agree to smartphone insurance, take a close look at the terms and conditions. If you’re spending $10 per month on the insurance and still have an out of pocket deductible of upwards of $100 or more, it’s not worth it. If you needed to replace a screen, you could do so with a replacement ordered from Alibaba and a few hours with YouTube.

Are Extended Warranties Worth It For Other Products?

Extended warranties are offered for nearly anything you purchase. If you’re investing in a smart appliance, skip the warranty. The built-in manufacturers warranty will cover any defects in the product that might result in a return. No extended warranty is needed. 

You will likely be offered an extended warranty when purchasing video games. GameStop in particular is notorious for this—$3.99 or so for a year of protection. Companies constantly offer protection plans for game consoles, too. They’re unnecessary. Any manufacturer-born problem will be repaired for little to no cost as game companies try to stay in the gamers’ good graces.

Finally, you do not need an extended warranty for your television. Because TVs are often the centerpoint of a home, companies convince buyers to ensure it is protected all costs. Think, when was the last time a television broke in a way that an extended warranty would cover it? Getting too into a VR game and smashing the screen most likely falls outside the protection of extended warranties. 

Other Factors To Consider

Extended warranties are rarely worth the money. There might be a few specific instances where they are worthwhile, but those are few and far between. On the other hand, you might already have an extended warranty and not even realize it. How? Two words – credit cards.

Many credit card companies provide automatic extended warranties on purchases as a perk to their customers. American Express tends to offer the most thorough coverage, with MasterCard and Visa following behind. Your manufacturer’s warranty can sometimes be extended, too. Check the fine print. In many cases, you can register with the manufacturer and increase the length of coverage at no extra cost.

Do yourself a favor. Skip the extended warranty and invest those funds into a savings account or a reliable protective cover.

Have you purchased an extended warranty in the past? Did you find the extended warranty was it? Let us know in the comments below.

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