There are several places you can go to find out when an extended warranty is worth it and when it is not. Consumer Reports magazine put out a listing earlier this year – I think April or May. Also, Clark Howard – a syndicated radio consumer advocate has info on his website http://www.clark.com/. These 2 come to mind right away.
Both strongly recommend it on most computer types of devices, Laptops especially, PCs if bought from manufacturer, etc. All discourage buying it from a store because the mark-up is typically outrages.
They typically do not recommend it on autos, but I did not follow that because I put 30k plus a year. That is why I did the 7 years, 100k. It has already paid for itself.
Signing up for college classes is a great way to ger real cheap software. I also teach college part time so that gives me access to cheap software.
If someone wanted to learn some software on the cheap, one could sign up for a class or two at your community college, get software for as much as 80% off in some cases and then pick up a book at the library to learn some new software.