You’re still paying for the more expensive ram. It’s just baked into a higher monthly rental payment. Why pay more for ram one time when you could pay more for ram every month for the rest of your life?
When a company says it has a “solution” for the high price, they means they have a “solution” for the big number on the sticker. Not that they actually care about affordability.
when the $ numbers start getting big and scary, just extend the length some more to make it look ‘cheaper’… like 8 year car loans and 50 year mortgages.
Yeah, had a car dealer try to say “the price doesn’t even matter, only the monthly payment matters, right?”
The problem for those of us who know better: this reasoning works on most of the customers and it’s more profitable to do that than cater to more savvy customers.
I am so happy I built a new computer at the end of 2024. It may realistically last me two decades at this rate. I got one decade out of the last build.
I maxed out my configuration at 64GB RAM and 2TB SSD around the same time.
You will own nothing
Leasing is not renting
For tech stuff basically a financial entity buys the goods for you at full MSRP (they calculate a almost 100% depreciation over the term), then you pay that full price + interest over 48/60 installments, and when you’re done, they take the goods back and sell it back via some liquidator.
And because the financial entity bought the stuff for you especially to lease it, you’re contractually obligated to pay until the end of the contract, can’t just get it for a month and then be done with it
You paid $1200 to use something worth $900 for four years and then it’s not yours
Unless you’re a business and the accountant says that’s better for taxes, leasing something doesn’t make sense
I hope you’re not saying this in general terms, because leasing absolutely has its benefits even to individuals, especially for cars.
for cars it makes sense only if you really need to have a new vehicle every 3 years and you really need to have an all inclusive insurance that covers everything
otherwise you save thousands by taking a loan, get limited liability insurance, then sell it after 5-6 years
although the absolute savings (for a newish vehicle and not a shitbox) is to get a used one ex-leasing (max 3 years old, low mileage, all maintenance made correctly because the leasing company paid for it) then sell it after 3-4 years (or keep it until it becames a shitbox)
Heck, even paying for full comprehensive insurance, you still come out ahead by buying on a loan and keeping it for more than 3 years.
The crux is that decently priced loans are denied to the people who actually need it, but leases are not.
And also that the car dealer takes a way fatter commission on a lease (commissions on insurances, commission on the extended warranty) so (at least here in my country) sometimes they “accidentally” incorrectly fill the request form with “wrong” data (like higher income, different employment status and so on)
Google novated leases and you’ll see why you’re wrong.
They seems better, never heard them before, not a thing in my country
Macrumors is reporting it as an “Apple Upgrade” financing program to replace the existing iPhone Upgrade Program. Financing, not leasing.
hahaha, no
Just like investment real estate squatters buying up houses, driving up real estate costs, and then forcing you to rent.
Next, Apple keeps jacking up lease prices.
On a practical note: we need to mock this to the point that anyone who actually does it will instantly be a social pariah. This needs to be so embarrassingly stupid that the companies who offer it literally blush, something non-human entities typically can’t do. Gamers Nexus had a good video about NZXT doing this and broke down the math for the numerically challenged.
Any other ideas for making this fail in a country where the consumer protection agencies are often worse than nobody paying attention at all?
yes … but remember the horse armor? people do be gullible
You’ll own nothing and like it.
- capitalism.
Had to scroll down too far to find this.
HAH, how 'bout no!
Nice!
I always hated that I only get to pay for my computer once.
You will own nothing!
Aaaand there we go, as predicted for the lady decade. You won’t own anything and you’ll like it. You will lease pur hardware and we will know everything about you.
Fuck all of this
Sounds on par with the rest of the tech oligarchy. Imagine missing a payment. You’re in a business meeting and a tiny RC tow truck wheels in to haul it away.
Nah they just lock the screen with a message about making a payment to embarrass you.
