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Powerful Two-Hander posted:I tried that whole "search for . turns up weird poo poo on YouTube " thing and it turned up an awful lot of "yoga" videos that involved a lot of stretching while wearing not very much clothing and it was completely free. Stretching is the new avocado toast, get it together millennials! That's terrible! Where are they, so that we can report them!
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# ? May 1, 2024 23:22 |
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# ? May 17, 2024 03:44 |
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Splicer posted:First past the post elections Bwm thread posters: The best posters.
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# ? May 2, 2024 00:22 |
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People laugh at these crazy phone bills but it's real. I think that pretty much everyone I know has a phone bill north of 100, and that doesn't count the people with family plans. I use US Mobile, pay 18 a month for 6 GB data. Bring my own phone (pixel 6). Over two years, my average upgrade cycle, it averages out to like 32 bucks a month. Everything is on Verizon's network, Verizon's towers. I do not understand the mindset of paying hundreds in TYOOL 2024 for cell service....
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# ? May 2, 2024 01:32 |
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The big phone bills are people financing devices right? Are people still paying $50-100/month for service? I am paying $25 for unlimited on Verizon and there is definitely cheaper stuff out there
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# ? May 2, 2024 01:40 |
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skybolt_1 posted:People laugh at these crazy phone bills but it's real. I think that pretty much everyone I know has a phone bill north of 100, and that doesn't count the people with family plans. It's easy to hit $100+ if you keep the same phone plan you've had for 10 years without ever shopping around and when half of it is a payment and insurance for an $800 device you replace every 18 months drk posted:The big phone bills are people financing devices right? Are people still paying $50-100/month for service? I think the secret is never shopping around. Maybe the unlimited data plan was $85/mo 15 years ago and they just never looked at switching or changing plans. The carriers will happily continue to take your money at the original rate rather than tell you unlimited data costs $30 these days canyoneer fucked around with this message at 01:46 on May 2, 2024 |
# ? May 2, 2024 01:43 |
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drk posted:The big phone bills are people financing devices right? Yup! It’s pretty typical.
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# ? May 2, 2024 01:49 |
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Modern phone sales are exactly like car sales, look how fuckin' cool this thing is, now let's talk about your monthly payment amount and definitely never talk about how much money you'll actually spend on it in total while it quickly loses all value and will soon need replaced.
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# ? May 2, 2024 01:51 |
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People are definitely paying $50-100 for service in Canada, hoo boy.
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# ? May 2, 2024 01:53 |
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I pay ~$180 per year for my phone bill. Granted, I only get 5GB of data, but I’m not on my phone all the time. Anything else I need would be downloaded beforehand. My Internet bill on the other hand…
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# ? May 2, 2024 02:18 |
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Every time I mention to someone irl I'm paying only $25/month for unlimited everything people are surprised and here's what I've come to realize: 1. Everybody is somehow on a family plan still, even if they're in their 20s and haven't lived "at home" for half a decade they're still "stuck" on their parents family plan along with their sister and whatever. 2. Everyone considers their $100+/month phone bill "cheap" or "not a big deal". It's just an accepted normal thing. 3. Those $100+/month phone bills include financing their phones. People ask me how I don't have to pay for a phone.
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# ? May 2, 2024 02:31 |
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i financed the iphone 15 pro i got last year because it was literally 0% APR, I even double checked the math. happy to keep earning the interest on my end rather than pay full cash. it'll be fully paid well before i get some future phone.
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# ? May 2, 2024 02:45 |
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Eric the Mauve posted:Modern phone sales are exactly like car sales, look how fuckin' cool this thing is, now let's talk about your monthly payment amount and definitely never talk about how much money you'll actually spend on it in total while it quickly loses all value and will soon need replaced. It's exactly this, but that's also not obviously bad. If you're always going to have a car/phone, there are QOL or maintenance reasons to buy a new car/phone, and the financing is efficient enough that interest rates for this car/phone consumer debt are barely above the fed funds rate, why not borrow instead of buy? It becomes problematic when people finance a new car/phone just because the old one is paid off, or upgrade to a nicer car/phone they don't need because they can afford the payments.
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# ? May 2, 2024 02:57 |
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pmchem posted:i financed the iphone 15 pro i got last year because it was literally 0% APR, I even double checked the math. happy to keep earning the interest on my end rather than pay full cash. it'll be fully paid well before i get some future phone. I’ve been doing this for years and it is the best way to finance an iPhone. You also get 3% upfront if you do it through an Apple Card.
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# ? May 2, 2024 03:02 |
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drk posted:The big phone bills are people financing devices right? Are people still paying $50-100/month for service? Sorry, on Verizon? How? their cheapest plan advertises as more than that!
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# ? May 2, 2024 03:03 |
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Yzuped posted:Sorry, on Verizon? How? their cheapest plan advertises as more than that! MVNOs. Visibile and several others that are exclusively Verizon resellers are $25/mo.
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# ? May 2, 2024 03:10 |
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Whether someone is paying $30/mo vice $50/mo for service is sort of irrelevant when they're spending $1000 on a new phone every 2 years.
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# ? May 2, 2024 03:20 |
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Eric the Mauve posted:Modern phone sales are exactly like car sales, look how fuckin' cool this thing is, now let's talk about your monthly payment amount and definitely never talk about how much money you'll actually spend on it in total while it quickly loses all value and will soon need replaced. You're right, it's exactly like cars.
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# ? May 2, 2024 03:23 |
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While we're on the subject, how do these MVNO plans handle domestic roaming? International? What other features do they lack that a full fat postpaid plan has?
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# ? May 2, 2024 03:31 |
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I pay $50 to AT&T for my healthcare hero plan. I get tethering and they tell me I get cell tower priority in case I need to send a text at a Taylor swift concert.
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# ? May 2, 2024 03:47 |
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Motronic posted:MVNOs. Visibile and several others that are exclusively Verizon resellers are $25/mo. Yes, Visible (MVNO owned by Verizon)
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# ? May 2, 2024 04:06 |
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Cerekk posted:Whether someone is paying $30/mo vice $50/mo for service is sort of irrelevant when they're spending $1000 on a new phone every 2 years. $20/mo x 12 x 2 = $480, and also most phones aren't $1000 SlapActionJackson posted:While we're on the subject, how do these MVNO plans handle domestic roaming? International? What other features do they lack that a full fat postpaid plan has? I'm on visible now and was on cricket (at&t mvno) for years before that. I switched to get on verizon's network - they didn't have their own mvno at the time i signed up for cricket - and because it was slightly cheaper. I actually think the service was slightly better on cricket but it's not enough of a difference for me to switch back. I don't think domestic roaming is a thing any more, both networks cover 99%+ of the populated area of the country. Calls and texts to canada or mexico are included in the base tier, other countries are on the higher tiers of service. International roaming is available for an extra charge. Even the base visible plan includes hotspot use, although not at full speed, and you can add a smartwatch for a small extra charge. the main downside is allegedly that they deprioritize service to the mvnos if the network is over capacity, such as at crowded stadiums and other massive events. I've noticed poorer service during these times but have never bothered to compare with someone on main verizon to see if it's better for them.
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# ? May 2, 2024 08:27 |
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I get paid $30/month for my unlimited phone plan because I'm on my work plan and brought my own device, so i get the subsidy and the phone was the one i kept from my last job
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# ? May 2, 2024 08:48 |
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I learned how to stretch from watching cats.
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# ? May 2, 2024 10:14 |
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Ghost Leviathan posted:I learned how to stretch from watching cats. Biiiiiiiiig stretch
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# ? May 2, 2024 12:05 |
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Speaking of cats...
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# ? May 2, 2024 12:20 |
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mrmcd posted:Speaking of cats... How do I subscribe
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# ? May 2, 2024 12:20 |
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PancakeTransmission posted:"But I got 0% interest on this bad boy! So obviously it's smarter to finance one of the most expensive options that exists instead of the cheaper ones (or buying outright a mid-range model). Because this top end model must be 3 times as good - price = value. And then I roll its equity into a new one next year to reduce my payments - they're practically paying me!" well, that thought process is certainly BWM. but if you already identified the model you're gonna buy and you can afford it, then how to pay for it is an independent decision
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# ? May 2, 2024 12:25 |
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Boris Galerkin posted:1. Everybody is somehow on a family plan still, even if they're in their 20s and haven't lived "at home" for half a decade they're still "stuck" on their parents family plan along with their sister and whatever. I feel like this has evolved into a kind of family bond thing where the fact that everyone is still on the same plan paid for by the 'head of the family' has taken a role of in-group signifier in families. But I have nothing to substantiate this, just a vibe. mrmcd posted:Speaking of cats... Sir this is the Bad With Money thread, emphasis on Bad.
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# ? May 2, 2024 13:58 |
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hypnophant posted:$20/mo x 12 x 2 = $480, and also most phones aren't $1000 The sort of phones bought by people who get a new one every 2 years are $1000
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# ? May 2, 2024 15:00 |
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I'm still boggling at the hotel spa that charges that much for a DIY massage. the hell?
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# ? May 2, 2024 15:03 |
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Warmachine posted:Sir this is the Bad With Money thread, emphasis on Bad. We can have a little Good With Scritches thread, as a treat.
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# ? May 2, 2024 15:03 |
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ChickenOfTomorrow posted:I'm still boggling at the hotel spa that charges that much for a DIY massage. the hell? it’s an elaborate sex toy
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# ? May 2, 2024 15:07 |
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It is a well-established fact that following feline financial advice is Good With Money https://www.businessinsider.com/cat-beats-professional-stock-traders-2013-1
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# ? May 2, 2024 15:59 |
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Out of curiosity, is there a MVNO that's cheap-ish, doesn't get deprioritized, and also has good/cheap international roaming? AT&T firstnet is $50/month, international roaming is $10/day on a locked phone. Is googlefi still bad with iphones?
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# ? May 2, 2024 16:55 |
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Google fi is fine and worked well for me in central europe on vacation last month, but my plan is $75/mo so not cheap like what we've been discussing here. Work pays for it so I don't really care.
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# ? May 2, 2024 17:04 |
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Residency Evil posted:Out of curiosity, is there a MVNO that's cheap-ish, doesn't get deprioritized, and also has good/cheap international roaming? AT&T firstnet is $50/month, international roaming is $10/day on a locked phone. https://old.reddit.com/r/NoContract/comments/oaophe/data_prioritization_policies_of_the_carriers_and/ TLDR Verizon: mobileX, TracFone, US Mobile (on 5G decices), Visible (only Visible+ plan) ATT: Cricket (More plan), H2O, Consumer Cellular, PureTalk T-Mobile: all T-Mobile prepaid, Google Fi I use US Mobile at $25/month.
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# ? May 2, 2024 17:11 |
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Google Fi is very good if your specific needs are matched by what they offer. I live on my sailboat, so having unlimited data and unlimited international roaming in addition to a second data-only SIM I use in a 5G modem for my boats internet is extremely helpful. I won't have to make any changes throughout the Americas once we start sailing long range. It's like $80/mo with phone insurance. But if you don't need those things, get something cheaper.
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# ? May 2, 2024 17:12 |
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This discussion motivated me to go look at our family phone bill and…oof. On the bright side we share 300GB of full-speed data between our devices…
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# ? May 2, 2024 17:15 |
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We’re on some ATT plan but I get a subsidy from work. 8 people on it - comes out to like $40/line. Not the cheapest but half the people on the line regularly travel to Canada regularly so the free unlimited roaming is nice. Another overlapping half use well over 60GB/mo in data so we’re definitely pushing that unlimited lol. Probably BWM, but not sure how much attention I have for shifting it.
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# ? May 2, 2024 17:29 |
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# ? May 17, 2024 03:44 |
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Boris Galerkin posted:https://old.reddit.com/r/NoContract/comments/oaophe/data_prioritization_policies_of_the_carriers_and/ Thanks. Just learned that AT&T firstnet does theoretically get priority. For a potential $25/month savings,
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# ? May 2, 2024 17:30 |