WTF is up with all these new Iphone "Upgrade/Financing/Lease" programs now??? - GoFuckYourself.com

Juicy D. Links · 09-26-2015, 05:24 AM

Apple Upgrade Program: Tmobile Program: and so froth...

I think reading a book on tax law would make more sense...

I do believe that it is NOW better to just BUY the phone UPFRONT and shit....

Anybody else agree?

I would always do a Att 2 year contract and pay the subsidy for the phone (I have had saem number for like 15 years so its ok and switching carriers is easy )

Thoughts?

-Btw Brassmonkey is a taint

2MuchMark · 09-26-2015, 07:43 AM

Hi Juicy,

Of course it is much better to buy the phone. If you take any of the programs offered, you are financing the phone, and paying quite a fortune for that financing too.

To the phone company's credit, they do a fantastic job of disguising this. They make it soooooo easy to get a phone with little or nothing down. And even if you ask them, at least here in Canada, they don't use the word financing anymore. It's a "plan", with the cost of the phone buried deep into the monthly cost and service contract.

Want a phone? Shop around and buy it outright first, then shop for a carrier. You'll save a lot.

L-Pink · 09-26-2015, 08:13 AM

Apple want's a monthly income stream from everyone in the world.

johnnyloadproductions · 09-26-2015, 08:40 AM

Keep ya locked in.

No more subsidized $200 phones. I got mine for payments of $31.xx but it's $15 off so roughly $16 a month for 24 months. For Verizon loyalty.

I hate terms and conditions because not only do they create confusion, more often than not the people explaining them to you don't even know what's going on.
I got angry when they pushed an iPad on me that I thought was only $100 but right when I was signing they told me the line was $10 a month for the iPad, that made me angry and of course I told them to reshelve the iPad. I guess more customers will do nothing about that. That $10 line becomes $240 plus in data so the iPad pays for itself over the course of the contract (to Verizon).

Companies need to make money, I just hate the continual stacking of all things they do to get it out of you.

If you have more money and value time just buy the phones straight up and do a trade-in.

Major (Tom) · 09-26-2015, 09:58 AM

I was reading how they are pushing hard to capture black millenial's, but women in general. Therefore it would make sense to offer financing to lure them in. Hopefully it will stop all the muggings for iphones.
Ds

Sly · 09-26-2015, 10:00 AM

I just finished the contract for my 5s with Verizon. I will stick to outright purchases from now on. Got my cell bill down to $50 a month instead of $100 a month ($25 of that was for the phone, even though Verizon won't admit it.) Was a rip off at only 16 GB, too.

Major (Tom) · 09-26-2015, 10:06 AM

Quote:

Originally Posted by Sly

I just finished the contract for my 5s with Verizon. I will stick to outright purchases from now on. Got my cell bill down to $50 a month instead of $100 a month ($25 of that was for the phone, even though Verizon won't admit it.) Was a rip off at only 16 GB, too.

50 a month christ? I buy my phones outright and pay 250 for 3 lines. One of them is unlimited. Grandfathered in from 2008.

Ds

Juicy D. Links · 09-26-2015, 10:40 AM

Quote:

Originally Posted by DukeSkywalker

50 a month christ? I buy my phones outright and pay 250 for 3 lines. One of them is unlimited. Grandfathered in from 2008.

Ds

I am gonna bypass the 6S cause i got one year left with att and just buy the "7" or whatver they call it outright...

This leasing shit / financing is riduculous

DUkkkkkkkkkkkkkkkEEEEEEEEEee

Juicy D. Links · 09-26-2015, 10:41 AM

Quote:

Originally Posted by johnnyloadproductions

Keep ya locked in.

No more subsidized $200 phones. I got mine for payments of $31.xx but it's $15 off so roughly $16 a month for 24 months. For Verizon loyalty.

I hate terms and conditions because not only do they create confusion, more often than not the people explaining them to you don't even know what's going on.
I got angry when they pushed an iPad on me that I thought was only $100 but right when I was signing they told me the line was $10 a month for the iPad, that made me angry and of course I told them to reshelve the iPad. I guess more customers will do nothing about that. That $10 line becomes $240 plus in data so the iPad pays for itself over the course of the contract (to Verizon).

Companies need to make money, I just hate the continual stacking of all things they do to get it out of you.

If you have more money and value time just buy the phones straight up and do a trade-in.

im still on the unlimited ATT Iphone data , granfathered in hhehehe those fuckers try using the "NEXT" bullshit to lure people out.

outright purchase is best these days and in the future man no contract skip and such

johnnyloadproductions · 09-26-2015, 10:49 AM

Quote:

Originally Posted by Juicy D. Links

im still on the unlimited ATT Iphone data , granfathered in hhehehe those fuckers try using the "NEXT" bullshit to lure people out.

outright purchase is best these days and in the future man no contract skip and such

Depends on what you do. I do most of my heavy phone bandwidth around a Wifi hotspot so the 2GB limit is fine for me. If you travel alot and are always pushing and posting things on social media than, yeah, unlimited Data is for you. I remember being on ATT with the 3GS. My how times have changed.

Verizon is pretty good, I'm in a plan with my entire family which is $40 a line and then $10 per extra GB.
The new phone is snappier but I feel less of a jump from my 3GS to the 5. I'm just happy with the 64GB.

It's shameful for Apple to still offer 16 GB. Not much room to be a power user with that space.

From David Smith's blog, https://david-smith.org/blog/2015/09...er-experience/

Sly · 09-26-2015, 11:20 AM

Quote:

Originally Posted by DukeSkywalker

50 a month christ? I buy my phones outright and pay 250 for 3 lines. One of them is unlimited. Grandfathered in from 2008.

Ds

Once a year I go over all of my bills, line items when possible, and pinpoint things that I don't need or don't use or don't care about.

The bill started out as $100. I knocked off a $10 a month third-party insurance charge, taking it down to $90.

Then I noticed there was some charge on the bill that they called a smart line connection fee, it was $40 a month. I kept pestering them about what this was, they never really answered, it's basically a fee that they charge you just for having service. I was able to get it down to $15 though since my phone is now paid off and I lowered my package a little bit, which is coming next.

With those two adjustments above, I was down to $65 a month. I noticed that I barely touch my data plan, usually just Wi-Fi, so I dropped that down to 1 GB instead of 3 gigabytes which landed me at $50.

I'm sure there will be $5 extra in taxes and random "fees" but much better than $100 and I haven't lost any real functionality.

NemesisEnforcer · 09-26-2015, 11:21 AM

Quote:

Originally Posted by Juicy D. Links

I do believe that it is NOW better to just BUY the phone UPFRONT and shit....

Anybody else agree?

I would always do a Att 2 year contract and pay the subsidy for the phone (I have had saem number for like 15 years so its ok and switching carriers is easy )

Thoughts?

Yes, my last 2 phones were purchased at the full price and I use SquareTrade for the warranty.

Beanz · 09-26-2015, 10:14 PM

What the carriers are doing is making you pay the full retail price of the phone. You get the phones at 0% interest and 0 down usually only paying tax on that retail price upfront. So then that full price of the phone is broken down into 24 months (depending on the agreement with the carrier) and added to the bill. So either way, you are paying $700 for a new iPhone its just a matter of how soon you pay it off and how soon it will be carrier unlocked.

09-26-2015, 05:24 AM	#1
Juicy D. Links So Fucking Banned Industry Role: Join Date: Apr 2001 Location: N.Y. -Long Island -- Posts: 122,992	WTF is up with all these new Iphone "Upgrade/Financing/Lease" programs now??? Apple Upgrade Program: Tmobile Program: and so froth... I think reading a book on tax law would make more sense... I do believe that it is NOW better to just BUY the phone UPFRONT and shit.... Anybody else agree? I would always do a Att 2 year contract and pay the subsidy for the phone (I have had saem number for like 15 years so its ok and switching carriers is easy ) Thoughts? -Btw Brassmonkey is a taint

09-26-2015, 07:43 AM	#2
2MuchMark Videochat Solutions Industry Role: Join Date: Aug 2004 Location: Canada Posts: 48,727	Hi Juicy, Of course it is much better to buy the phone. If you take any of the programs offered, you are financing the phone, and paying quite a fortune for that financing too. To the phone company's credit, they do a fantastic job of disguising this. They make it soooooo easy to get a phone with little or nothing down. And even if you ask them, at least here in Canada, they don't use the word financing anymore. It's a "plan", with the cost of the phone buried deep into the monthly cost and service contract. Want a phone? Shop around and buy it outright first, then shop for a carrier. You'll save a lot. __________________ Custom Software \| Server Management \| Integration and Technology Solutions https://www.2much.net

09-26-2015, 09:58 AM	#5
Major (Tom) Anti Communist Industry Role: Join Date: Nov 2003 Location: Null Posts: 29,857	I was reading how they are pushing hard to capture black millenial's, but women in general. Therefore it would make sense to offer financing to lure them in. Hopefully it will stop all the muggings for iphones. Ds __________________ My mother said, to get things done You'd better not mess with Major Tom

09-26-2015, 10:00 AM	#6
Sly Let's do some business! Industry Role: Join Date: Sep 2004 Location: Austin, TX Posts: 31,296	I just finished the contract for my 5s with Verizon. I will stick to outright purchases from now on. Got my cell bill down to $50 a month instead of $100 a month ($25 of that was for the phone, even though Verizon won't admit it.) Was a rip off at only 16 GB, too. __________________ Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted Windows VPS now available - just $50/mo Wanted: CCBill pay sites for sale

09-26-2015, 10:14 PM	#13
Beanz Confirmed User Join Date: Feb 2007 Location: Burbank, CA Posts: 238	What the carriers are doing is making you pay the full retail price of the phone. You get the phones at 0% interest and 0 down usually only paying tax on that retail price upfront. So then that full price of the phone is broken down into 24 months (depending on the agreement with the carrier) and added to the bill. So either way, you are paying $700 for a new iPhone its just a matter of how soon you pay it off and how soon it will be carrier unlocked. __________________ ICQ: 400782448 MoHawkSteve: jager good MoHawkSteve: I don't drink it though, my mohawk does

09-26-2015, 08:13 AM	#3
L-Pink working on my tan Industry Role: Join Date: Mar 2005 Location: Florida/Kentucky Posts: 39,151	Apple want's a monthly income stream from everyone in the world.

09-26-2015, 08:40 AM	#4
johnnyloadproductions Account Shutdown Industry Role: Join Date: Oct 2008 Location: Gone Posts: 3,611	Keep ya locked in. No more subsidized $200 phones. I got mine for payments of $31.xx but it's $15 off so roughly $16 a month for 24 months. For Verizon loyalty. I hate terms and conditions because not only do they create confusion, more often than not the people explaining them to you don't even know what's going on. I got angry when they pushed an iPad on me that I thought was only $100 but right when I was signing they told me the line was $10 a month for the iPad, that made me angry and of course I told them to reshelve the iPad. I guess more customers will do nothing about that. That $10 line becomes $240 plus in data so the iPad pays for itself over the course of the contract (to Verizon). Companies need to make money, I just hate the continual stacking of all things they do to get it out of you. If you have more money and value time just buy the phones straight up and do a trade-in.