Groups | Search | Server Info | Keyboard shortcuts | Login | Register [http] [https] [nntp] [nntps]
Groups > misc.phone.mobile.iphone > #197026
| From | -hh <recscuba_google@huntzinger.com> |
|---|---|
| Newsgroups | misc.phone.mobile.iphone, comp.sys.mac.advocacy |
| Subject | Re: Why would anyone buy an extended warranty on a phone? |
| Date | 2025-08-09 14:56 -0400 |
| Organization | A noiseless patient Spider |
| Message-ID | <10785k1$190po$1@dont-email.me> (permalink) |
| References | (8 earlier) <1070n29$3lsnb$1@dont-email.me> <10730on$3j5pk$5@dont-email.me> <1074hhf$2ge5$1@nnrp.usenet.blueworldhosting.com> <1075l02$mlpq$2@dont-email.me> <1075vs8$1g7h$1@nnrp.usenet.blueworldhosting.com> |
Cross-posted to 2 groups.
On 8/8/25 19:05, Marion wrote: > On Fri, 8 Aug 2025 16:00:02 -0400, -hh wrote : > > >>> Hence, it's a logical psychological conclusion that you probably should >>> consider only paying insurance on things you can't very easily replace. >> >> Incorrect, as has already been explained: there's more factors under >> consideration than merely if one can afford it or not. Another example... > ...> > So -hh is correct... As per usual; "Film at 11". >> Car loans commonly require having collision & comprehensive: they're the >> party who's primarily incurring the risk of loss, so its their decision >> they make as a condition of the loan. Don't like that? Go elsewhere. > > Not only car loans. House loans too. They all require insurance coverage. > Only if you own the title do you get to choose what kind of coverage. Within what one can afford, & within what the insurer is willing to cover. Some carriers can stipulate having a satisfactory inspection; thus why I included "uninsurable" as well as affordability. >>> I've written tutorials on how to mount and balance tires at home... >> Irrelevant, although that does reinforce that your opinion is quite >> likely being biased by your financial situation & ability to afford. > > I've mounted my own tires my whole life, but I've been retired for about 20 > years, so there's not a lot of income but that doesn't matter for this. > > My point is some people are self sufficient; some are not. Oh, so you grow your own rubber trees and make your own tires? /s Of course there's nothing wrong with DIYing as much as one reasonably wants to, so long as it is what one actually wants to do, as opposed to needing to do so due to constrained options, especially when one can't admit said constraint as one's true underlying motivator. >>> But to insure a car that isn't worth the money for insurance is folly. >> >> Hence, your's ain't no collectable(s). As you posted separately: >> >> My vehicles are a bimmer and a few Toyotas, none of which are >> collectibles. The bimmer is always broken but the Toyota's last forever. >> >> If your BMW is broken down all the time, blame its mechanic. Ditto for >> the rest of the hulks resting on cinder blocks in the yard. > > Well, it's clear you've never owned a bimmer or beemer or Toyota then.They've made the short list and I've taken test drives, but have ended up choosing other products instead. A friend does vouch for his F22 BMW 240i daily driver, but the current version's no longer from DEU, nor does BMW offer ED anymore. Plus from a more pragmatic standpoint, I don't park on my lawn, so I'm effectively out of convenient parking room. Its why I sold my MB Coupé awhile back. Perhaps its more of the luxury of choice, as all of my vehicles run. /s > I was making a point about design styles - which are hugely different. Not successfully, for you compared their reliability, not style. >>> I own multiple homes ... >> >> With or without counting the garden shed in back? /s > > I'm not sure why you feel you need to insult, but insult away. Merely noting your compensation attempt like Tommy does. We've already seen that Santa Cruz real estate isn't all $1M+; being a slum lord from some old oublewides just isn't much of a prosperity flex. > I've been on Usenet for decades - I don't think you'll make me leave. Ah, its the old "decades" brag attempt. Was that because you had AOL? >>> Of course, if I moved into one of them, I'd lose the rent, but my main >>> point you seem to understand, which is that insurance is a calculation. >> >> None of which has anything to do with insurance, so its not clear why >> this aside was mentioned. Copying Tommy's brag attempts? > > My point was about catastrophic losses that encompass wide areas. > Didn't you understand it?Yup: your clustering of your real estate to be vulnerable to a singular event is *your* personal failure to have adequate risk diversification. > It's one of the most important considerations any insurance has. > If you don't understand that concept, you may need to learn a lot more. How ironic is it ... That the one who's concerned that a single natural event could take out their entire real estate investment ... ... is trying to preach risks to those who didn't fail to diversify? >>> All you get out of insurance is being able to fix/replace something that >>> you wouldn't otherwise be able to fix/replace it - which is valuable. >> >> No, that's not the only thing that one gets out of insurance, since one >> can insure for more than one's present net worth: a classic example of >> that is of life insurance, especially of term life when young. > > Well, this is true, but I'm an octogenarian, so I don't know what they'll > charge for life insurance, but I'm not planning on getting it anytime soon. Your personal failure to plan isn't relevant to the example. > Still, I agree that some things like life insurance are valued at many > times what the current earnings of a person are - but they are valued at > the approximation of the total earnings of that person over his lifetime. > > Hence, yet again, the calculation is against you unless you happen to know > something that the insurance company doesn't know (like if you smoke). > >>> But not for a phone. >> >> Maybe, maybe not: depends on one's free cash flow, as well as other >> personal factors, including time. > > Well, the whole point is that people who buy the extended warranty on a > phone are quite a different kind of person than a normal person is. Its not really your place to try to claim who is "normal" or not. From a little bit of research, it appears that customers buy extended warranties less frequently for Apple iPhone than Android: 18% vs 24%. More work would be needed to drill down to the causal reasons for the difference. Hypothesis to be tested could include: * Causality is to customer wealth (greater ability to self-insure) which then correlates to Apple customers being more affluent for the outcome; * Product reliability differences: Apple has a good reliability reputation (and/or Android has a poor reputation) affecting uptake; * Differences in warranty product marketing/customer awareness, including differences in salesman commissions to motivate sales; -hh
Back to misc.phone.mobile.iphone | Previous | Next — Previous in thread | Next in thread | Find similar | Unroll thread
Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-07-26 04:03 +0000
Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-07-25 21:32 -0700
Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-07-26 11:38 -0400
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-07-26 17:51 +0000
Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-07-26 19:55 -0700
Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-07-29 07:07 -0400
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-07-29 22:42 +0000
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-07-29 22:42 +0000
Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-07-29 12:01 -0400
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-07-29 22:42 +0000
Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-08-05 13:05 -0400
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-06 22:22 +0000
Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-08-06 16:04 -0700
Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-07 16:02 -0400
Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-08-07 19:04 -0400
Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-07 22:55 -0400
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-08 10:37 +0000
Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-08 09:06 -0400
Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-08-08 10:29 -0700
Re: Why would anyone buy an extended warranty on a phone? Your Name <YourName@YourISP.com> - 2025-08-08 18:32 +1200
Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-08 09:16 -0400
Re: Why would anyone buy an extended warranty on a phone? Your Name <YourName@YourISP.com> - 2025-08-09 10:24 +1200
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-08 10:24 +0000
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-08 09:54 +0000
Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-08 16:00 -0400
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-08 23:05 +0000
Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-09 14:56 -0400
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-10 22:41 +0000
Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-08-10 17:11 -0700
Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-10 20:45 -0400
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-11 15:33 +0000
Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-11 14:20 -0400
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-11 20:17 +0000
Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-11 19:33 -0400
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-12 01:40 +0000
Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-12 09:05 -0400
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-12 17:27 +0000
Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-12 14:29 -0400
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-12 19:54 +0000
Re: Why would anyone buy an extended warranty on a phone? Chris <ithinkiam@gmail.com> - 2025-08-14 17:21 +0000
Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-08-14 10:40 -0700
Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-08-17 16:08 -0400
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-19 11:21 +0000
Re: Why would anyone buy an extended warranty on a phone? sms <scharf.steven@geemail.com> - 2025-08-07 16:11 -0700
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-08 10:57 +0000
Re: Why would anyone buy an extended warranty on a phone? Your Name <YourName@YourISP.com> - 2025-07-27 09:41 +1200
Re: Why would anyone buy an extended warranty on a phone? Tyrone <none@none.none> - 2025-07-26 16:18 +0000
Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-07-26 09:47 -0700
Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-07-26 08:40 -0400
Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-07-26 09:07 -0700
Re: Why would anyone buy an extended warranty on a phone? Your Name <YourName@YourISP.com> - 2025-07-27 09:37 +1200
Re: Why would anyone buy an extended warranty on a phone? sms <scharf.steven@geemail.com> - 2025-08-07 11:14 -0700
Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-07-29 12:02 -0400
Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-08-11 10:06 -0400
Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-11 15:34 +0000
Re: Why would anyone buy an extended warranty on a phone? sms <scharf.steven@geemail.com> - 2025-08-13 11:25 -0700
Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-08-13 11:46 -0700
Re: Why would anyone buy an extended warranty on a phone? Jolly Roger <jollyroger@pobox.com> - 2025-08-13 19:07 +0000
Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-08-13 12:34 -0700
csiph-web