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Yeah, I am sure I posted about this before as every year I go through the same decision process. I don't want to do any private sales. That's a frustrating process I'd rather avoid.

Sam, I appreciate the explanation. Really, that's too much of a thought process for me. I have the money. Don't need it for anything else. I plan to pay the iPhone off immediately rather than have to pay more on interest just so I have money for other things.

Okay. You are going to have to explain this to me. I am very interested in how I can save money when one of my choices is paying off the phone immediately and without the added cost of Apple Care. I did learn that I can make the iPhone Upgrade Program a little more worth the extra money I am...

I should have mentioned, however, that anything I put on my charge card I pay off immediately. So, there should be no cost of money for me there in this case -- that is unless I am missing something.

Still sitting here deciding whether to go into the upgrade program or not. Sam is correct that I won't have to deal with selling my phone online every year. The upgrade process is definitely easier. There are some things I am not particularly happy about... One, I am being forced into Apple...

Yeah, the prices are terrible as your trade-in value drastically drops the older your phone gets. That's why I always trade in my Apple products every year to get maximum value. If you are trading in the latest model you are going to get the values I discussed above. And Apple is only...

Sam, It's a compelling thought. I hate monthly payments but I do have the money set aside so I would be drawing from that. The other issue is that I would have to apply for the program and that's a hard credit check against my credit score which I don't particularly like. QUESTION... If I...

Am I really saving money? I just hate monthly payments and would rather pay off my device in full. And Apple Trade-In price is pretty crappy. And, am I paying extra for Apple Care that I don't want? But, if there is an upside, I am all ears

This is not a sponsored post as we have no affiliation with any of these companies... If you are selling your iPhone online... Apple will not give you nearly the best price. For an iPhone 11 Pro Max 512GB they only offered $500 Decluttr gave the best price $742. However, they have very...