Offer your thoughts or opinion on the input financial query or topic using your financial background.

Buying insurance (extended warranty or guarantee) on everyday goods / appliances?
I usually say "no thank you", but if the salesperson gets pushy I say "if I need insurance, I guess I won't buy the product because I only want to buy quality that will last a good long while" I have never actually walked away from a purchase because I generally research these things ahead of time, but I think I mean it when I say it.