Tell me if this has ever happened to you while Christmas shopping:

You're buying electronics stuff and a sales guy is hawking you. Not to buy the electronics stuff, but to buy warranties on the electronics stuff.

It's happened to me several times, in several stores. I've never seen anything like it.

"You know, sir," the salesman tells me, "I think it's very little cost for a lot of peace of mind."

You'd think I was buying the Bible. But no, he was talking about a two-year warranty on a laptop that presumably had a warranty from the manufacturer already.

"Not good enough," he tells me. "It's very limited."

"Then what you're telling me, is something likely will go wrong?" I ask.

"Peace of mind, sir," he reminds me again.

So I ask him, "So if my kid drops this, or spills soda on this, that's covered right?"

"Well, not exactly."

"So what's covered that the manufacturer won't cover on this?," I ask.

All labor, all parts, for two years.

"But again, not if my daughter spills a Frappuccino (search) on this, right?"

"Well, in that case, right."

"Then I don't want your warranty," I say.

"But you need the warranty," he says.

"No, I don't."

"Yes, you do."

Then he adds this, "I can't in good conscience let you leave this store without some protection."

So, I did him one better. I just left the store, period. No warranty. No protection. No computer.

You'd think he'd be devastated, but as I'm almost out the door, I hear him descending on another guy: "That's a great DVD player," he says. "Sure hope you got the warranty. Oh, and I see you got the electric can opener too."

This guy has no idea what he's in for.

Watch Neil Cavuto weekdays at 4 p.m. ET on "Your World with Cavuto" and send your comments to cavuto@foxnews.com

Neil Cavuto serves as senior vice president, anchor and managing editor for both FOX News Channel (FNC) and FOX Business Network (FBN). He is anchor of FNC's Your World with Cavuto - the number one rated cable news program for the 4 p.m. timeslot - as well as the FNC Saturday show Cavuto on Business. He also hosts Cavuto on FBN weeknights at 8 p.m. In addition to anchoring daily programs and breaking news specials on FNC and FBN, Cavuto oversees business news content for both networks and FNC's weekend business shows, including Bulls & Bears, Forbes on Fox, and Cashin' In. Click here for more on Neil Cavuto.