Nine times you should demand a refund

When you purchase a product or a service, you expect to get your money's worth. Sometimes that does not happen. When is it okay to demand a refund?

3. Items that break too soon

Shizuo Kambayashi/AP/File
Chinese tourists choose goods at a cosmetics store in Tokyo's Ginza shopping district on June 17, 2015.

If you've recently purchased an item and it breaks unreasonably soon under normal use — I'd say less than 90 days, for most things — take it back to the store for a replacement or a refund. I tend not to buy the same junk twice in a row, so typically I'd just like my money back so I can avoid this problem a second time. This is a situation where store associates and managers like to give you a hard time — "How do I know how it broke?" — but don't let them beat you. Stay strong and stage a sit-in to get what you're owed if you have to.

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