We call duct cleaning work a solution in search of a problem. Companies that do it claim that their services will improve your home’s air quality, but there’s little evidence this yields any substantial benefits. Even if you have dust allergies, you may want to avoid having your ducts cleaned: The little independent research that exists indicates duct-cleaning work may temporarily worsen problems.
Car Repairs at the Dealership
Car Repair Warranties
Credit Reports, Scores, and Monitoring
Extended Product Warranties, AppleCare, Etc.
So you’re out $699 for the phone, plus $149-$249 for AppleCare, then up to another $99 if you break it or $229 to replace it. That means if something goes wrong you could be out-of-pocket $248–$478 to cover a $699 purchase. Even if you want an extended warranty, you can usually get it for free. Many credit cards automatically provide free extended warranties when you use them to pay for products that have manufacturer’s warranties. Costco and Sam’s Club also offer free warranty extensions. That so many companies give away extended warranties is an obvious sign that they’re not worth paying for.
HVAC Maintenance Contracts
Life Insurance—Cash Value and Annuity Policies
Utility Line Warranties
For the complete list, click here: 65 Things You (Probably) Shouldn't Pay For - Chicago Consumers' Checkbook