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iPhone XS and iPhone XS Max Now Available for Pre-Order
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I can't wait to see my new iPhone. It should be next Friday 21/09 
It’s called being a happy Apple customer since the ‘80s. Reputation matters!
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To me, it’s $56/month and after 12 payments I get a new phone and start over. So I only ever pay half for an iPhone. $672
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Why would I do that? Before I got on the upgrade program I would get every other one but now there’s no reason to do that.
You would only do that if you're like me and you skip a year of upgrading because it's pointless to upgrade every year.
The nice part of the upgrade program is it's a 0% loan over 24 months, and it includes AppleCare.
I might agree with your statement for some years. For those years where a Plus (or Max) model is introduced, the upgrade was a no-brainer. As was last year when the X was released. However, the great thing about the IUP is it is never pointless because if you're in the program, you're getting a new phone, else why join? There is always something to be excited about even if for some it is satisfying the shiny new toy syndrome.
Yeah for some they get that excitement.
For me, I don’t. That is why I prefaced if you’re like me. I joined the program back when I had a 6S but I never used it to upgrade to a 7/7s. I rejoined for the X thinking I would see significant improvements. The upgrades aside from faster specs were minimal to me such that I would not want to extend another year of payments
You would join for the the loan as I mentioned. It’s a 24 month 0% APR loan. Some might say “you’re paying the same up front at the end”. Not really if you manage your money somewhat.
I invest saved money per month in high yield savings and stock such that the interest or gains alone eats up a significant amount of the purchase over the length of the loan
I don’t think you are very good with money if you don’t take advantage of the ability to only ever pay half price for the latest technology.
I don't think you should give people any financial advice if your rationale is to spend because it's the "latest technology".
You are basically leasing a phone for $700 indefinitely until you decide to not upgrade.
At least my $56/mo payment isn’t on year-old tech like yours. If my lease had interest or a fee your method might make sense but I’m paying nothing extra for the priviledge of always owning the latest tech. In return, Apple has some assurance of my loyalty, which is what these subscription-type payment arrangements are for. Even if I decided to not upgrade, which would only be a crazy situation where I changed brands, I can still sell my old phone to pay off the loan.
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Bringing it back to your original comment because you're interjecting someone else's comment:
You only pay $672 for an iPhone until you decide to skip an upgrade or change brands. When either situation happens, you will be paying the entire $1344 minus whatever sale you get off your iPhone. And no, neither of those situations are crazy.
If all would just delay their purchase 6 month. No iphone SALE. Then Tim would know the prices are too high. You can use your old phone a few month longer and of course buy a previous model on ebay. I just don't know hot to justify the prices, even I could afford it.