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If you have a truly problem computer that acts up on a regular basis, then a monthly paid plan might be effective - depending on type of problem and whether monthly allotment will be enough. If you are still paying for extra support, it might make more sense to purchase an account that has credits you can use at any time, and can add funds to at anytime.
This is a similar concept to service plans on appliances - do you really get your money's worth on those plans? If appliance isn't well made, you are better off with a service plan. If it is well made, a service plan isn't necessary. A little assurance by having some funds in a service account for when needed makes more sense.
Figure out how reliable or unreliable your computer is, and you will figure out best plan you should have. Don't jump on bandwagon of anything which, with hype, promises you riches and gives you services and such that you really don't need. If you have to pay for something you don't need, rethink your game plan. There are other options out there. A monthly outlay of money may very well just be going to waste. Would you rather spend $30/month or more for a plan that gives you same service as a $30 account you can use anytime you want, and fund into it for extra services if needed? Think about it - concerning your computer - which plan makes more sense?
Pauliina Roe is a hands-on computer troubleshooter/repairperson in the Denver area, and also troubleshoots online and over the phone. If you need computer support, give us a call if in the Denver area - Leading Edge Solutions at 303-224-0797 (ask for Kevin) or try out the support online at http://sisugal.supportfreaks.com