Okay, so I upgrade my iPhone yearly whenever the latest one is released. I currently have a Verizon iPhone 6 64GB on AT&T with no contract (I always buy the Verizon model because it works on any network therefore having a higher resale when it comes time to sell it for the new one). My question is: should I continue doing what I do every year and just sell my current phone to buy the new one for full price OR should I sell my current iPhone 6 when the 6S is out and switch to AT&T Next 12? I bought the iPhone 6 for $750 + tax and I'm hoping to sell it for around $500 and put that towards the iPhone 6S. That's assuming the resale price doesn't drop too much on the iPhone 6 come release day. This would leave me losing about $250-300. Switching to AT&T Next 12 when the 6S comes out would leave me paying $37.50/month ($450 after 12 months + $15 upgrade fee = $475 to own the 6S) for 12 months (basing this off the price of monthly payments for a 64GB iPhone 6 on Next 12). Price wise staying off contract is looking more appealing, but I'd have to go through the whole selling process and it may take longer than I anticipate to sell my iPhone 6. Going for Next 12 would be easier and quicker but more expensive and in the end I'd be paying to rent a phone essentially. What do you guys think I should do?