>if you pay a second or third year you're much more likely to
>lose money

If you bought an iPhone like me this year it includes Apple Care which cost $9.99 a month. So that's $119 a year.

Oh, and the iPad Mini AppleCaretoo.

Also my dishwasher extended warranty would still be in effect if I keep the membership for the second year, so that's the other $80, or $6.00 a month.

So in my case it's almost "breaking even" with the warranties. Granted - warranties which I may never use.

So I may renew in January for the AppleCare and warranty - or I may cancel.

But for the first year it's been worth it for me. And likely the second year too.

Now, if you wouldn't have bought extended warranties the best strategy would be to cancel it and then renew or rejoin only when it's in your favor that year, like Amazon prime or any other program like this.

Just don't buy a TV or appliance and pay money for delivery/installation without considering Total Tech first.

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Gone: My Discogs collection for The Roots:
http://www.discogs.com/user/tomhayes-roots/collection