Hi guys. I'm really torn on what to do. Here is a breakdown.This is with Verizon. My current phone bill is $131/mo - 2 phones with unlimited talk/text and 2gb on each phone (we are constantly on wifi and don't need the data. This is not an issue at all). I can preorder the iPhone 6s+ 64gb for $400 + $70 in taxes/upgrade fee. This allows me to renew my contract for 2 years. So, over 24 months this will be 131/mo + a one time fee of 470. OR I can do the installment plan. $35.41/mo for the iPhone 6s+ 64gb - so my monthly bill becomes about $166/mo but no downpayment. I know the installment plan is more expensive in the long run, but the appealing feature is upgrading every year because I can just pay off the remaining balance next year, get the iPhone 7 and then sell my 6s+ for a good chunk of change. But I still feel weird about this installment plan. I am just wanting other opinions/advise? I'm not really open to switching carriers. And Verizon's program seems cheaper than the apple upgrade program, less the apple care. Thanks!