arunma
Well-known member
- Dec 3, 2015
- 1,539
- 44
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iPhoneX over Note 9? No way!! I'd pay it off and simply order unlocked. You will still get features like wifi calling since you're on Tmobile. My motto is always pay in full for phone. None of this payment bs. I'd I'm too poor to afford it then I just don't buy new toys.
I get it, since I myself am both financially well off and frugal. Hell, I just paid full price for a car since I generally don't believe in financing things.
JOD kind of makes this an exceptional case though. Say you have decided you want to get a new phone every six months. Doing an 18 month JOD lease makes sense because you only pay the down payment plus a third of the remaining cost, less the buy-out cost. Assuming Samsung puts out the S10 in March, that means I pay 7*$40+$80=$360, and recoup the $640 remaining by essentially selling my phone back to T-Mobile. If I buy my phone any other way, I have to count on trading it back in for some uncertain value, which will probably be less than $640. In this case they are offering $190 less!
Anyway, you gotta do what feels financially most responsible, but this is just something to consider. JOD is good if you get every new phone Samsung makes. If you keep your phones for longer...then your approach may be better.