48 months? WTF? The program is 24 months, with option to upgrade after 12 months.
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Other Upgrade Program or Purchase Outright
- Thread starter MikeM87
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Right. But if you have an iPhone for four years, you’d be paying $2400 and wouldn’t own the phone. If you paid outright and kept the phone for four years, you’d be paying a lot less and still have the phone.
The upgrade program might make sense for people who are always willing to have a phone payment or always willing to upgrade every year or two, but that’s not everyone or always.
Again, WTF? After 24 months, you're not paying Apple anything else. You own the phone.
Huh?
The program includes Applecare+. It's the same total cost, just spread over 24 months with no interest. Who would not want that? Plus with the option to upgrade to the latest iPhone after 12 months? Again, it would be foolish not to take advantage if this program is available in your region.
OK, go with that. You do the program once, but don’t ever upgrade. You’re paying $1200 for a $1000-ish phone, right?
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Not everyone gets a new phone every year or two.
You're paying $1200 for a $1200 items (iPhone + Applecare+). It's the same total cost.
Why is this so difficult?
I wouldn’t want that because, say, my credit card doubles the warranty if I buy it outright and i don’t want Apple care.
Where are you getting 48 months? Its 24 months if you keep the phone and don't trade it in which is the same price as if you buy it up front. Again there is no interest or finance charges and you don't have to deal with selling a phone in the end.
Not everyone upgrades every year or two. It’s an example, because whenever someone says “always,” he’s probably wrong.
Well then don't.
You're not even comparing the same things. We are talking about iPhone upgrade program.
Again, why is this so difficult?
Ok I'm a fool then! Don't need AppleCare. So I'm worse off.
I'll be buying my unlocked iPhone XS+ or whatever they call it at the launch for cash. Then I'll upgrade when I want to. Not tied to a program.
Same reason I've never financed a car or anything else.
What are you talking about? I don't think you understand, iPhone ($1000) + Applecare+ ($200) = $1200/ 24 months. You don't pay anything after the 24 months. You keep the phone. It's the same price as if you bought it outright with Applecare+
And? Even if someone is not upgrading every year, the iUP is still a better financial decision based on my three points in my previous post.
1. I'm not spending $1k+ upfront
2. I can put those funds into something else that generate extra income
3. Apple charges no interest, so I am already ahead of inflation
Simple as that.
You are bringing non-sensical arguments with your 48-months and you not wanting Applecare+.
I think that's why most people are in debt! This is the same argument they tell themselves.
The Apple upgrade program is an alternative to buying outright, yes? The discussion is which one to choose, right? You said always choose the upgrade plan, right?
It’s “so difficult” because you seem to think everyone makes the same financial and technical choices you do.
Let’s say I upgrade less often than every two years. And that my credit card doubles my warranty if I purchase outright. And that the $1000 is coming from a checking account paying about 1% interest because it’s silly to have short term money in risky investments.
Why would the upgrade program be the better choice?
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What’s nonsensical about upgrading more rarely than you do?
If you don't need Applecare, then good for you.
We are talking about the value of iUP, which is a program of an iPhone plus Applecare+ payment spread into 24 months.
We are not talking whether one should get Applecare or not.
I'm on Verizon's payment plan, so I don't have to have Applecare, I just pay for the phone. And again, in the end you pay the same price either way.
I don't know why this is so difficult. It is an advantage for many people and maybe not for others. I have upgraded every year since the original iPhone and with the price it costs to replace the screen and glass back on these phones I prefer the Apple care so for me it is a no briner. If you don't wont Apple care then not so much. Also some carriers let you pay the same way monthly no interest etc but you don't have to get Apple care.
C’mon, man. The upgrade program includes the cost of AppleCare so whether or not you want to pay for AppleCare is part of the calculus.
Whatever dude. We are talking about iUP here, not whether one should get Applecare or not, or whether your credit card is awesome.
Go find your own strawmen somewhere else.
Right. Maybe not for others. His claim was that it was better for everyone. I’m trying to figure out if I’m missing why it’s better for me. I don’t think I am.
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AppleCare is included in the upgrade program, right? If you’re getting the upgrade program, you’re getting AppleCare, right? Whether you’re being required to purchase something you don’t want absolutely is a factor. Or should be.