PAY WITH PLASTIC. If you get into a dispute with a merchant, you'll have a better
chance of resolving things in your favor if you can call on the issuer of your credit
card as a mediator. So use plastic, even though some sellers will give you a
discount if you write a check or put up cash.
7 shopping options
Computer superstores
Big names: CompUSA, Computer City
Pros: Generous selection of low-cost PCs and other computer products.
Cons: Erratic advice; fewer high-end PCs.
These are the gigantic, supermarket-style retailers that probably come to mind when you
think about buying a PC. You'll find lots of basic systems in the $800 to $1,200 range
(excluding monitor), mostly from a few big brands, plus scads of software and other
gizmos. Higher-cost PCs with the newest processors are scarcer.
You'd think that a store that specializes in PCs would be staffed by experts, but that's not
necessarily so. Depending on your luck, you might wind up talking to a seasoned pro or a
neophyte with only sketchy knowledge. At least these stores have on-site repair
departments and can perform upgrades (for a fee).
Mail-order merchants
Big names: Dell, Gateway 2000, MicroWarehouse, Micron, PC Connection
Pros: Custom-tailored PCs at good prices; knowledgeable staffs.
Cons: Shipping fees; you might have to wait weeks for your PC.
Some mail-order dealers (such as Dell and Gateway) sell only their own brand of
built-to-order PCs; others, like PC Connection and MicroWarehouse, sell all the big
names, along with a selection of other products. Because these sellers tend to cater to
more experienced buyers, their PCs are typically better equipped -- and higher
priced -- than those in stores. Component for component, though, they're often terrific
deals. It's safest to restrict your shopping to well-established mail-order companies. They
may not collect sales tax, but you will have to pay a shipping fee of $75 to $100.
Home-electronics stores
Big names: Best Buy, Circuit City
Pros: Instant availability; decent assortment of low-cost PCs.
Cons: Skimpy software; may not do repairs.
Shopping at one of these dealers is a lot like visiting a superstore, except that PCs are
crammed into one section of a store that sells everything from boomboxes to air
conditioners. The selection is smaller than at a superstore but includes many of the same
models at similar prices. Unlike superstores, these retailers don't have endless aisles of
software, add-ons and supplies, and not all offer service. They're more plentiful in most
parts of the country, though, and they might be worth a visit if there aren't any superstores
nearby.
Warehouse clubs
Big names: BJ's, Price Club/Costco, Sam's Club
Pros: Low prices.
Cons: Spotty selection; no experts on staff.
That vast warehouse store where you buy ground beef by the ton and 55-gallon drums of
shampoo probably sells PCs too. Prices look terrific, but these stores offer a distinctly
no-frills experience; don't expect buying advice before you make a purchase, nor support
once you take the system home. And in many cases, there's only a scattershot selection of
PCs on hand, mostly closeouts on older models and ones from obscure suppliers. Take a
PC-savvy friend along if you want to spot the genuinely great deals, and make sure the
store accepts your credit card.
Office-supply stores
Big names: Office Depot, OfficeMax, Staples
Pros: Lots of stores.
Cons: Short on help; no service area.
They may be called office-supply stores, but these retailers sell lots of home PCs and
printers, as well -- the same models as superstores and consumer-electronics retailers, at
comparable prices. However, the selection is smaller, not all systems may be set up for
hands-on testing, and it can be tough to find an informed salesperson. There's also no
service department. If a nearby office-supply store has the system or peripheral you want
in stock at a good price, terrific. But there's no reason to go out of your way to shop at
these retailers.
Mom-and-Pop stores
Pros: Low prices, custom-built PCs.
Cons: Variable longevity; little software.
It's tough for a tiny outfit to compete with the CompUSAs of the world, but the best local
stores hand-assemble PCs from quality components and sell them at great prices. They
also can offer a personal touch that big stores can't match. If you feel comfortable going
this route, buy only from a local shop that's been around for a few years; you want to
avoid shaky enterprises that could close their doors before your warranty is up. Some
stores offer a discount if you pay with cash or a check. Don't. Always use plastic. In fact,
check with your credit card company to see if it offers extended warranty protection
before you buy, so if the mom-and-pop shop closes, at least you'll have some coverage.
Web stores
Big names: Apple, CompUSA, Dell, Egghead, Gateway 2000, Internet Shopping Network
Pros: Buy anytime from the comfort of your home.
Cons: Better for veterans than first-timers.
The latest way to buy a PC? With a PC, by making your purchase from a merchant on
the Web. Of course, you can buy a computer this way only if you've already got one.
And while the best Web stores include useful info, they can't provide the personal advice
that a good salesperson can. They're most useful if you know what you need and want to
order it with a minimum of fuss. And if transmitting your credit card number across the
Net makes you queasy, don't worry. Any reputable Web store will encrypt your number
to protect it from snoops.
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