kalynzoo, Love the statement about warranties aand insurance. True so true. I aways see Norman Rockwells painting http://www.answerbag.com/q_view/1340531
I believe it comes down to being informed about product, cost's and how bad you want it or can walk away. Go to India sometime and try to buy anything, the price will come down as soon as you say no and you learn to negotiate or pay up! Same with the Gondaliers in Venice. They step in front of me and say Gondola 100 Euros and my wife is Italian and will say, Get &^)(*_(%r out of the way in Italian and they do then offer it to her for 40.