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The_Hawk
28th July 2010, 09:39 AM
Since everyone seems to be doing very similar calculations I thought it would be of benefit if others would post their numbers to share the options and thought process.

For me it's gotta be Telstra and their $79 plan is my sweet spot, calculated by looking at my call patterns over the last 6 months and running the numbers. After that it's a question of outright, contracted for 12/24 months or MRO.

I'm looking at a new 32GB iPhone 4 to replace my 3GS, then an iPhone 5 to replace that in 12 months… assuming a resale value of $600 the numbers look like this:

Outright:
iPhone 4: $1,008
Sale of 3GS: -$600
Out of pocket now: $408
iPhone 5: $1,008
Sale of iPhone4: -$600
Out of pocket then: $408

Total out of pocket expense: $816


12 Month contract with $20 MRO Credit:
iPhone 4: $1,008
MRO Credit: -$240 (12 X $20)
Sale of 3GS: -$600
Out of pocket now: $168
iPhone 5: $1,008
MRO Credit: -$240 (12 X $20)
Sale of iPhone4: -$600
Out of pocket then: $168

Total out of pocket expense: $336


24 Month contract:
iPhone 4: $199
Sale of 3GS: -$600
Profit in pocket: $401
iPhone 5: $1,008
Sale of iPhone4: -$600
Out of pocket then: $408

Total out of pocket expense: $7


So as it turns out, getting a 24 month contract and buying outright next time round works out to be the cheapest option with two "buts" and a warning.

1. Your locked for two years can't leave without penalty. Do you think that will be an issue with Telstra.?? I don't so much.

2. Change in offered value. Who's to say if Telstra's plans will get better or not next year and if it's better can you switch to take advantage?

Warning: If you don't bank the profit in the first year, the second year is more expensive.


The 12 month MRO option is more flexible at a higher rate, outright is just more expensive.

Edd
28th July 2010, 12:07 PM
People really pay $600 for someone's grubby old phone?

Wow.


And yes, I agree, outright is a waste of money, except for an ultralight prepaid user.

Holden Caulfield
28th July 2010, 12:25 PM
Also...

Planhacker: Complete Australian iPhone 4 Plan Guide | Lifehacker Australia (http://www.lifehacker.com.au/2010/07/planhacker-complete-australian-iphone-4-plan-guide/)