I think there was just a miscommunication. Paying it off entirely is not what’s bad. Paying it off entirely is allowed, as you said in the article. It definitely would be bad if they didn’t allow that, that would end up being basically the same as the old two year contracts.

As much as my math oriented brain dislikes that, I do accept that rational. However, that’s only valid in the case of paying off the whole remaining balance (which is an option). Just paying a little more each month leaves you still in debt (just a slightly less amount of debt). If you’re goal is to pay it off 6…

In reference to Verizon financing: “You cannot pay extra towards the balance of your phone each month.”

I’m still not sure who this phone is really for. It feels like an awkward middle ground. Someone like me, with an unhealthy obsession with tech and phones, will be more than happy to spend more on a higher end phone. I’ll likely get a new phone later this year, and no question it will be a Moto X Pure or a Nexus.…

Flip the A and the 7, the other two don’t matter.

Yes, technically it uses electricity. But it uses so little electricity that it’s irrelevent. If once a month you use the toaster oven instead of the oven when making something small, you’ve saved far more electricity from that one event than you wasted by having the toaster oven plugged in all month.

Oh man, he’s right, I sure made a huge mistake financing my car. He’s right when he says “never”. Even if you can get a great deal on a loan, financing is terrible. All this ZERO PERCENT debt is really destroying my finances. I definitely should have just paid cash.

Haha true. And I do that with legitimate marketing emails from companies I have done business with. I just unsubscribe and it’s no big deal. But if its coming from a company that I’ve never done business with, and they got my information by mining other people’s contacts, that’s different. From my perspective that’s…

Haha true, but I still don’t like that I’m getting it, even though it goes to the spam folder and really doesn’t matter. I’m just weird.

If you’re taking a large meal that actually fills your oven, and splitting into like 12 small batches for your toaster oven, then you’re doing it wrong. If you’re only using teh toaster oven for small things, then it’s going to save electricity. And it’s not wasting electricity when not in use, generally they don’t…

Oh goodie, so now I’ll get spam email from Spotify. I’ve never used it, but I know people that do. People that have my contact information in their phone. Woo.

True, but you also don’t “need” a stove if you have a fire-pit in the backyard. A toaster oven will quickly more than pay for itself in saved time and electricity when you use it instead of the full size oven for samller things.

An electricity hog? Maybe it uses more than a toaster, but if you’re using your whole oven to reheat stuff, that’s using far more electricity (not to mention time) than using a toaster oven would.

Toaster Oven.

True, but can you put your computer in your car and get turn by turn directions? Can you call a cab to bring you home while you’re out drunk at a bar?

For what, games? Your phone can do games (not the same games, of course, but games). Work stuff? Like spreadsheets or writing or coding or something? All can be done on a phone.

The only choice that makes sense is smartphone. If you were to lose any of the others, your phone can be used in its place. It may not be optimal, but it can do all those things (e.g. it can stream TV shows, though obviously it’s a smaller screen). Your phone can be a replacement for every single one of the other…

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For laundry: “At a few loads a week...” Why are you doing a few loads a week? A weeks worth of clothes can easily fit in one load. One load a week, with an extra one for sheets and towels occasionally, is plenty. You’ll spend far less on laundry if you simply do less loads.

“Or, buy ten because you’re probably just going to want to go ahead and replace every annoying micro-USB cable in your house.”