This (the upgrade plan) is a good deal for sure if you are going to keep it for 2 years and you want Apple Care. You get the phone now and pay for it later, at no extra charge.
But, as has already been pointed out, if you turn it in to Apple after 12 months, you just sold a one year old iPhone for half price. Also already pointed out: you can pay off the other half of the price at that point and see if you can find a buyer who is willing to pay more than half price for a one year old iPhone that still has a year of AppleCare left on it.
Bim
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Posted by: bim.bousman@gmail.com
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