(KCEN) -- Do you really need to buy one more thing to go with that big-ticket Black Friday or Cyber Monday item?
Most sales people will try to sell an extended warranty.
And your answer depends on a few factors, according to Angie's List.
It can be a good investment on some electronics, especially if they're used a lot.
But you probably don't need one if you always buy the latest version.
That's because you'll likely upgrade before you'd need any repairs.
Also, some credit cards already have a warranty protection.
So check before you buy.
You're probably okay to skip the extended warranty if the product has high reliability ratings.