I SO agree with the payments paragraph. That was how I was taught growing up. If you can’t afford it, don’t buy it. If you can afford it, buy it upfront so you don’t have to worry about it. You own it now.
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iPhone 8/Plus Should you buy an iPhone 8 in 2020?
- Thread starter Heathcliff4869
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I SO agree with the payments paragraph. That was how I was taught growing up. If you can’t afford it, don’t buy it. If you can afford it, buy it upfront so you don’t have to worry about it. You own it now.
But why lose $1,000 up front when you keep 90% or so in your pocket? You know how responsible you are. If you’re not or low income then sure pay upfront. That $1,000 you didn’t spend up front can be used to save or invest.
THANK YOU!! This 100%!!! I'm so glad to see some Apple people forming their own opinions and being objective with products rather than blindly following what they are told. Also I would add I actually prefer the smaller form factor these days.
Yes. I’ll never buy an iPhone with a notch or the always there home bar. Wtf was Apple thinking I’ll never know.
Good luck being locked into that contract for 2 years. Also hope you got real job security and don't miss a payment. What if you want a new phone in a year? You're stuck with that one for two. Change carriers? forget it.
Also those 'small' payments add up over time. Most folks today can't see past the present. Sure you pay $20 NOW. but add up the amounts + interest (if any) for the entire two years and you would've likely been better off paying for it all now.
A good example of this phenomenon is at my job. I work at a golf car shop. The newer modern golf cars have garbage disposable non-repairable battery chargers. We can get American Made ones that are fixable, carry a 2-year warranty, and can maintain batteries in the off season (the cheap throwaways don't trickle charge, they shut off and if you forget it the next season you can't charge the dead pack since the charger wants a minimum voltage). The disposable charger is $150 to replace. the American one is $450. People cringe at the $450 and demand another throwaway for $150. They will have to replace that one in a year or two. After a while that adds up well past the $450 they could've paid for once.
Also, is your previous phone broken? why do you need to upgrade? Phones are tools. Please stop treating them like disposable commodities.
A lot of people (the vast majority of people on this forum) are phone enthusiasts. You seem to be content keeping a phone for as long as possible, which is very admirable. But most people on here want to have the newest and best they can get, and that's why they spend time here talking about what's new and what's coming next.
I see this argument a lot
I mean...I upgraded from a 16gb iPhone 6S to a 64gb iPhone 8 Plus back in March this year.
Mainly went with the 8/8 Plus because it has the Touch ID.
I still use my 6S for other things like using it as a clock & checking the Momentum Camera.
Mainly went with the 8/8 Plus because it has the Touch ID.
I still use my 6S for other things like using it as a clock & checking the Momentum Camera.
No lockins here, can change carrier anytime just payout what's owing on the phone only.
In a year i can just sell it pay out the balance and start again.
No interest just equal 24 or 36 payments of the retail phone cost.
Stop telling people how to spend their money.
I havn't had a job for 27 years, run my own business and my phone is how i earn my money, and a tax deductible business cost.
This will spin you out you better sit down, in the last year i have had a Xs max, 8, Xr, SE, 11 pro
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No one needs a new phone if their old one works fine anyway. The way that devices have become such fashion statements and disposable commodities sickens me.
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It's how most of us have been conditioned. It is nice to own upfront and not have monthly cost to shell out. Too it gives you more options owning upfront.
I can see the benefits in both. You just have to decide what you want to do.
Then you might be on the wrong forum. But that’s the world we live in, it’s not just about being a ‘fashion statement’, it’s about the branding coupled with Apples marketing.
But if you want to get technical, I’d say a fashion statement Applies more to the Apple Watch with a customization of the bands than it does just the iPhone.
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There is NO interest on it FFS read the fine print before you go on about interest. With middling credit you just put a down payment toward the phone. You pay $999 now or in 24 to 30 months ( AT&T next is 30) . The iPhone 11 Pro for sprint at bestbuy was $35 a month for upgrade with installments to own which equals to $849 to own it. Cheaper then paying $999 at the Apple store and cheaper then $969 bestbuy was selling it to buy it outright. My iPhone X after lease credits and buyout would of costed me $700 or some odd not $999 to buy it out right. You can of course lay it off whenever you want.
But to say it’s wrong to not finance a phone is totally wrong. It’s not bad thing to do if you are smart and know you won’t miss a payment. There is a benefit for both options but to call it wrong for either is dumb.
If X person wants to buy phones yearly let them. It’s their money which they earned. You have no right to tell them otherwise.
It's money management 101.
Buying upfront simply means that you don't accumulate debt. Some people don't want debt. Most people don't mind debt or want debt. This is also the reason why most Americans generally have no savings and live paycheck to paycheck.
While you may be the one who's responsible with debt, most Americans aren't. That's a fact. Look at statistics, which are alarming.
I get what you're trying to say about people "knowing how responsible they are", but that's easier said than done. Hundreds of thousands of people file for bankruptcy every year. Most of them also believed that they were "responsible". About 1 in 55 households files for bankruptcy. That's a lot. Perhaps even more disturbing is the fact that the vast majority of bankruptcies are now filed by consumers and not by businesses.
The typical American mentality is to buy something even if you can't afford it. "After all, that's what credit is for and I absolutely need the new iPhone along with the 90" OLED TV".
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Actually, he does have the right to tell them otherwise. Just as you have the right to tell him that he shouldn't.
His point was simply that our society is too dependent of phones and that having the latest tech has become about bragging rights and status because heaven forbid you use an old smartphone in public these days... you'll likely get shamed or laughed at.
Indeed, if people put their money into more tangible investments, this country wouldn't be in as much debt, which BTW affects everyone directly or indirectly.
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As I said it’s their money. You have no right to dictate how they spend it right or wrong. Would you like it if I said you can’t buy that banana because I said so ?
Also it’s simple economics.... I’m not going to pay $999 up front when I can pay $849 for the lifetime of the installment plan. Or in the case of my X $700 or so. That’s below MSRP. He has no clue what he is taking about once he stated interest. You don’t pay interest on this finance plans. You pay sales tax up front and then pay the price divided by 24 or more months. $0 interest.
