[Galaxy S III General (US Carriers)] wdguy:
Insurances

I bet dollars to doughnuts that there will me a mass of BB release emails tomorrow at ~10a local. They would have to have them in stock at present to do so as neither delivery entities USPS, UPS or FedEx deliver on a Sunday unless there is an exception which triples the delivery cost per item eroding profits by increasing material overhead. Another factor I considered from BB corporate is taking their cemented 450 preorders and applying a generated revenue of at least $500 profit/phone, will yield a gross profit of $200k. I'm certain that 450 devices was a low ball number and probably represented the general area delivery for a random sample populous. As the leader in electronic sales in the US, I severely doubt BB only accounts for 4/1000 of a percent of all nationwide GS3 orders. The jaded consumer practices of past and present married with strong evidence toward the propensity to commit future deception severs my reliability in BB for a sound purchase or invested contract service such as protection or warranty extensions. In fact, ConsumerReports.org has a consolidated business complaint dept and advises against the purchase of such agreements or services and brings to point that credit card purchases largely cover consumer protection insurances for an actual NEW replacement versus the refurbished item from BB, yet the sales associate will pass it off as a "no questions, replaced as new" procedure. If anyone has fallen victim, the link I provided on the previous post will also permit enrollment into the class action protection suit. I believe this particular litigation is based in CA but your juristiction is irrelevant under several BBB and FTC consumer protection acts specifically toward consorted competition and consumer Electronics Act of 200. A class action suit must have a large enough population suffering from the same controversy, usually above a grand amount like ~$5k total and falls under federal jurisdiction of the AG. This is for the US only and I believe some portions of Europe but my international trade law experience is a bit rusty.

My personal "rule of thumb" is I purchase insurance for high value consumables when the cost of coverage is less than 30% of the purchase the first year and 5% of the depreciative value in subsequent years. Most electronics are not covered beyond 1 year new or 30 days factory refurbished, so chances are the cost of the insurance within 1 year will be around if not more than a repair cost, however this is covered under the mfr warranty. After one year, the cost scale quickly cascades and after 2.5 years other factors such as product life come into play where it is more economical to purchase a new product because of cheaper advances in manufacturing and distribution. This is why spare parts for an older model cost more than a new one as the longer it sits on the shelf, the more overhead storage cost incurred during its life, whereas production to meet demand can share the advantage of bulk processing and distribution. I also consider risk analysis on large purchases such as development and history of the product and company and competitive practices. In short review already in place coverage like credit card, renter, home and auto insurances. Chances are these will cover the majority of circumstances.

In reality, BB may be convenient, and it is nice to have hands on. I like toys as well, but that becomes fleeting if the seller won't stand behind their products or had to deceive you to purchase from them vs their competitor. Many other outlets are far cheaper such as Fry's, Tiger or even New Egg and have a much better return policy. Also consider the taxation of BB for your local is usually more expensive than a 3 day UPS delivery, and often delivery is free online without taxes and has proven to be more reliable than BB. I'm not anti BB at all, in fact enjoyed shopping there until I realized that there are major issues from the management on down which correlates into a less than reliable purchase.