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After the two years if you upgrade, yes you'll still have the payment but you'll also have your old phone to sell. So the two aren't exactly equal. So either way you'll have the payment but if you wait two years you might have an extra $400 give or take in your pocket (depending on what phone you have)
Yes, maybe. Of course I send the phone back and the loan is gone. Years ago I had a 6s+ for a year and then sold it on my own and paid off the loan balance with the money. Same diff. Either way, loan paid off.

And there's nothing I hate more than trying to sell a phone. It's a endless process of idiots, scams and flakes and I can't stand it. Or I sell to some online service and take a lesser amount. I'd rather not deal with that.
 
I’m on an annual upgrade program. I didn’t get the Xs because I was still satisfied with my X and didn’t feel the speed bump as necessary. The battery is now starting to wane on my X so I got the 11 Pro upgrade. Next year if the rumors hold up I’ll get the 12.
I really only joined the annual program to be able to upgrade anytime I wanted, but if I didn’t feel the need to I wasn’t forced to be stuck without a QOL improvement. The camera and a new battery made the call to upgrade this year. Next year if it’s USB-C to go with my iPad Pro I will upgrade again. If not then most likely I won’t upgrade unless there is some crazy other new benefit.
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ITT: Perpetual debt.
Not really, because if you don’t upgrade annually you end up owning the old phone and can sell it. But if you do upgrade you’re not out anything more.
 
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Just preference really. Coming from the XS Max, I'm genuinely not a fan of the 11 Pro Max design. Also the spec changes don't mean enough for me to give up my current iPhone.
 
Unfortunately you’re 2 year old iPhone at that point will also be worth significantly less so you also have to factor that into account. Of course you’ve also paid for the other half the 2nd year. So there’s that to consider also.

Yeah but I think the math works out better if you are ok riding a phone out for two years then selling or trading

X trade in prices surprise me. 400 for a 2 year old device ain’t bad at all imo for Apple no hassle

Even if I hold onto my 128 xr another year I’m sure I can get at least $300 no questions or around there. So $500 down after two years use is better than $500 down one year use and no equity
 
Not really, because if you don’t upgrade annually you end up owning the old phone and can sell it. But if you do upgrade you’re not out anything more.

The thread is about upgrading your phone every year when you're eligible.
When you upgrade your phone, it becomes a $1100 debt that you pay off every month.
 
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The thread is about upgrading your phone every year when you're eligible.
When you upgrade your phone, it becomes a $1100 debt that you pay off every month.
So you only pick the one part out of my post that goes with your argument just for argument sake? Lordy
 
Yes, maybe. Of course I send the phone back and the loan is gone. Years ago I had a 6s+ for a year and then sold it on my own and paid off the loan balance with the money. Same diff. Either way, loan paid off.

And there's nothing I hate more than trying to sell a phone. It's a endless process of idiots, scams and flakes and I can't stand it. Or I sell to some online service and take a lesser amount. I'd rather not deal with that.
I'm not denying the convenience of the IUP, I'm just saying the two situations presented weren't financially equal.

I'm on the program, and this is the first year I'm not upgrading. It's tempting to upgrade anyway because I won't see any savings for another year as I'll still be making the same payment, however, there's no denying I won't have saved money next year when I upgrade and sell my current phone.
 
So you only pick the one part out of my post that goes with your argument just for argument sake? Lordy

I picked the one part of your post that was in response to me. Have a nice day and enjoy your phone and monthly payments.
 
I picked the one part of your post that was in response to me. Have a nice day and enjoy your phone and monthly payments.
I will and my work will enjoy my monthly payments as it’s an expensed item for what I do same with my monthly internet bill. Things aren’t so black & white in the world. So no need to act like your day to day world is everyone’s experience.
 
yea and the hassle of selling the old phone (low balled) or Apple’s insult of a trade in.

Apple offered me $400 for my 2 year old iPhone X when I pre-ordered my 11 Pro Max. I didnt find that insulting at all for a device that was 2 years old. I probably could have gotten a little more else where, but less hassle and no fees to pay on the sale, etc. I prefer this route.
 
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Apple offered me $400 for my 2 year old iPhone X when I pre-ordered my 11 Pro Max. I didnt find that insulting at all for a device that was 2 years old. I probably could have gotten a little more else where, but less hassle and no fees to pay on the sale, etc. I prefer this route.

You won this time?? It’s not a guarantee you’ll get a good amount, whereas in the iup I don’t worry about it.

Hey whatever works for you.
 
You won this time?? It’s not a guarantee you’ll get a good amount, whereas in the iup I don’t worry about it.

Hey whatever works for you.
If you were in the iup program and didn’t upgrade to the Xs you own your X at this point and can upgrade for the same expense plus because you own your X it’s no longer leased you can turn it in for Apple cash or sale it elsewhere
 
If you were in the iup program and didn’t upgrade to the Xs you own your X at this point and can upgrade for the same expense plus because you own your X it’s no longer leased you can turn it in for Apple cash or sale it elsewhere

Like I said earlier, to each his own...

I can easily BUY the phones and trade in or sell, but I want the convenience of just sending the old one back and swapping for a new shiney, yearly. And not having to deal with variable trade in value OR shady buyers over the net... It works well for my situation at this point in my life.

Besides, you still take a loss on selling... As consumers there's no way around taking a hit, I guess you just try to minimize the damage..
 
After the two years if you upgrade, yes you'll still have the payment but you'll also have your old phone to sell. So the two aren't exactly equal. So either way you'll have the payment but if you wait two years you might have an extra $400 give or take in your pocket (depending on what phone you have)

Extra $400... or $800 loss???

If you never bought an Xs you'd have an extra $1200 in your pocket ;) :p
 
Like I said earlier, to each his own...

I can easily BUY the phones and trade in or sell, but I want the convenience of just sending the old one back and swapping for a new shiney, yearly. And not having to deal with variable trade in value OR shady buyers over the net... It works well for my situation at this point in my life.

Besides, you still take a loss on selling... As consumers there's no way around taking a hit, I guess you just try to minimize the damage..
Yeah same here. Just saying if you don’t upgrade and are in the program you don’t lose anything either.
 
Yeah same here. Just saying if you don’t upgrade and are in the program you don’t lose anything either.

you do lose ... you pay for outdated tech, whereas I have the latest and greatest at the same monthly price ( at this point).

If I didn’t intend to upgrade yearly i would not be in the IUP.
 
Don’t forget that you have to pay tax every time you upgrade.

good point... gotta pay for that wall!!

I kid ... I kid. :p

eh, it’s the cost of doing business.. as long as you enjoy what you have, who cares...

ok,im off to play with new phone, dopamine levels are dropping!!
 
I’m on the yearly upgrade program. I used to keep my phone 2 years, but I didn’t think the trade-in price of the phone was worth it when I traded in for new one. I prefer getting a new phone every year. I was hoping for a red iPhone 11 pro max, but I guess I’ll get the green whenever it comes out.
 
you do lose ... you pay for outdated tech, whereas I have the latest and greatest at the same monthly price ( at this point).

If I didn’t intend to upgrade yearly i would not be in the IUP.
No you don’t lose because you pay off your lease and can resell it or trade it in at Apple.
 
No you don’t lose because you pay off your lease and can resell it or trade it in at Apple.

Ok.

just be aware that you sell or trade in at a loss... I’m going to leave it at that... I don’t care to debate the merits of leasing vs buying....I’d rather spend the time enjoying the new camera.

have a good day!
 
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