apple upgrade plan

[TheCyclingProgrammer]

Doesn't seem to be available to businesses and unless you upgrade annually it's really just an interest free credit agreement. My business doesn't need the credit.

As I tend to give my old phone to the company secretary after upgrading (every two years) I'm not that interested in annual upgrades.

[diseasex]

Doesn't seem to be available to businesses and unless you upgrade annually it's really just an interest free credit agreement. My business doesn't need the credit.

That said, I wouldn't see any incentive to buy it with cash now. 0% over 2 years is far better and cheaper...

[TheCyclingProgrammer]

That said, I wouldn't see any incentive to buy it with cash now. 0% over 2 years is far better and cheaper...

How is it far better and cheaper? The price is the same but spread over 20 months.

[MrMarkyMark]

How is it far better and cheaper? The price is the same but spread over 20 months.

You will have to excuse the OP, he's not the sharpest tool in CUKs box

[diseasex]

You will have to excuse the OP, he's not the sharpest tool in CUKs box

Haha I would explain why paying £700 over 2 years at 0% is better than paying it outright but you wouldn't understand it you cretin. You just went full retard.

[eek]

It turns out to be a credit agreement (interest free loan) from Barclays which I don't feel is attractive.

I think I'll stick with my plan of buy the phone, make it last 2 years, recycle to family then buy a new one.

But I have to say, it's not untempting.

When I looked at it its a good deal if you really want to upgrade to the new model early every year.

Then come next September you have 3 options:-

1) Keep the current phone don't buy the new one
2) Where the amount still owed is £400 and the phone can be sold for £410 or so plus keep the old phone and sell it on the second hand market and do with you want with it.
3) Where the amount owed is more than the phone is worth just hand it back and start afresh....

Personally I avoid some of the depreciating by buying second hand 3-4 months in when they start to be about 25% off the retail price. I think that keeps my depreciation down to £240-300 rather than £500 a year.

[MrMarkyMark]

Haha I would explain why paying £700 over 2 years at 0% is better than paying it outright but you wouldn't understand it you cretin. You just went full retard.

Of course you lose the opportunity cost of making money with your money, in your pocket. However that is also a risk of the money, investments can go down, as well as up.

You suggested it was "far better and cheaper", considering that statement, in its purest form, that is certainly not the case.

You really are thick as hardcore concrete

[diseasex]

Of course you lose the opportunity cost of making money with your money, in your pocket. However that is also a risk of the money, investments can go down, as well as up.

You suggested it was "far better and cheaper", considering that statement, in its purest form, that is certainly not the case.

You really are thick as hardcore concrete

Still doesn't get it dumbass.

I'm tired arguing with this idiot.

[Old Greg]

Still doesn't get it dumbass.

I'm tired arguing with this idiot.

I'm going to help you out here, not around this specific debate but in general terms. There are a lot of cretins on CUK. And then there are the elite uber-cretins. You are one of the uber-cretins, in the same category of GB9 and shauny (although I'll be the first to say I appreciate shauny's sunny disposition). So next time you think someone else is an idiot, the likelihood is that you are the one being idiotic. However, you will lack the intelligence to work this out for yourself, so I'm simply helping you out here by explaining.

[diseasex]

I'm going to help you out here, not around this specific debate but in general terms. There are a lot of cretins on CUK. And then there are the elite uber-cretins. You are one of the uber-cretins, in the same category of GB9 and shauny (although I'll be the first to say I appreciate shauny's sunny disposition). So next time you think someone else is an idiot, the likelihood is that you are the one being idiotic. However, you will lack the intelligence to work this out for yourself, so I'm simply helping you out here by explaining.

To be honest , your opinion means jack tulip to me. I didn't spend a minute talking to you before and I'm not intending to do it in the future.
I don't even hate this markymark idiot. I just facepalm each time he writes some offensive post to me, it's just boring just as this forum.
When I came here I expected some intelligent educated people and all I'm facing is constantly explaining simple facts and figures and other stuff nobody here even try to understand!

You contractors get it easy and might be rich but you'll be so far behind me in few years.