I tell myself that’s it’s better to upgrade every year as the sale of the last phone plus AppleCare rebate pays off the old finance deal with some to spare. Then I take a new finance for the new one. But in reality, waiting the full 2 years before upgrading I am sure works out better as the 2 year old iPhone holds its value really well and with no finance to pay off, there is much more cash left over in your pocket. having said all that, I am sure I will probably upgrade mty14 PM…