Kwilizwe apho iiselfowuni zibaluleke kakhulu njengebrashi yamazinyo (Kulungile, phantse ibalulekile), ikwayindleko enkulu kubomi bethu-ngakumbi kwiintsapho. Ngezicwangciso zenyanga ezibalekela kumakhulu, ngamawaka eedola ngonyaka aphuma kuhlahlo-lwabiwo mali losapho. Kodwa akufuneki kubenjalo. Ndiyakuthembisa unako yonga imali kwityala lakho leselfowuni.
Amava am okuqala okusebenza nababoneleli ngeengcingo, izicwangciso zefowuni, kunye nabathengi bokwenyani kwiVenkile yeApple bandinike umbono omtsha malunga yimalini abantu abayilahlayo kuba bengayazi into abayifunayo ngokwenene kufuneka uhlawule. Kule nqaku, ndiya kukuvumela ukuba ungene kwiyona nto Eyona ndlela yokugcina imali kwityala lakho lefowuni kwaye fumana iPhones ezintsha (ewe, kunokwenzeka) kwaye uchaze indlela yokulungisa isicwangciso sakho nge-AT & T, iSprint, iVerizon, okanye nayiphi na enye into ephetheyo.
Ukubhengezwa kweNtengiso Ngaphambi kokuba siqale, kuya kufuneka uyazi ukuba eli nqaku liqulathe amakhonkco kwii-AT & T's, iVerizon's, kunye neewebhusayithi zeSprint, kwaye ndingafumana umrhumo wokudlulisa ukuba ucofa kwenye yezi amakhonkco. Awuyi kuhlawula enye into njengomthengi kwaye andikaze ndivumele imali ukuba ichaphazele naluphi na ulwazi endikunikezayo-yindlela entle yokuba uncede ukuxhasa iwebhusayithi yam kwaye ugcine imali ngokwakho, kwaye ndinombulelo omkhulu xa usenza njalo.
Eyona Ndlela iphantsi yeyona Ndlela yokuGcina iMali kwiBhili yeSelfowuni
Ngoku lixesha elihle lokuba ngumthengi, kuba iinkampani ezingenazingcingo zikulungele ukukhupha imali eninzi ukuze utshintshe. Bayakufuna, nabo bayakufuna imbi .
Nokuba okwangoku ukwisivumelwano, I-Sprint , kunye Inguqulelo zonke ziya kukuthenga. Bayakukubonelela ngamaxabiso entengiso kwiifowuni ezintsha, izicwangciso zenqanaba eliphantsi, kwaye kwezinye iimeko, ikhadi lesipho lokutshintsha nje. Kanye njengehlabathi elidibeneyo, ngamanye amaxesha eyona ndlela yokuqhubela phambili kukushiya kwaye ubuye.
Kulungile: Ixesha elininzi, ungonga imali kwaye fumana i-iPhone entsha ngokutshintshela komnye umphathi . Ngokwesiqhelo uya kufaneleka kumaxabiso entengiso, kwaye ngamanye amaxesha uyakufumana ikhredithi eyongezelelweyo yebhili ukuba uthengisa kwifowuni onayo ngoku. Ukuba wonwabile ngefowuni yakho yangoku okanye ufumene entsha, ngamanye amaxesha unako 'ukuzisa eyakho ifowuni' nayo.
Intsomi: Kunzima ukuthenga iifowuni ezikwi-Intanethi
Kwaye masikhuphe into engaqondakaliyo ngoku. Inyani yile Eyona ndlela ilula nexabisekileyo yokufumana iifowuni ezintsha kukuzithenga kwi-Intanethi. Abathwali banikezela ukonga okongezelelekileyo kubantu ababhalisela iifowuni ezintsha kwi-Intanethi okanye kwifowuni. Ukuthenga iifowuni ezintsha ngefowuni kunokuthetha ukubamba ixesha elide, ungaqiniseki ncam malunga noko uku-odola, kunye nokuthetha ngezinto ezingeyomfuneko ngabameli benkampani.
Kutheni le nto uninzi lwabantu lusiya kwivenkile?
Abantu baya kwiivenkile ze-AT & T, Verizon, okanye Sprint kuba befuna ingcebiso malunga neefowuni ezilungileyo kunye nezicwangciso. Abameli bezithwali benza iikhomishini kwiifowuni kunye neempawu ezongezelelweyo abazithengisayo. (Abasebenzi beApple abayenzi.)
I-inshurensi yenethiwekhi ngumzekelo omkhulu we-upsell ehlala iba yinkcitho enkulu yemali kubantu abaninzi-phantse akukho mntu ndidibene naye uyayiqonda ukuba isebenza njani ngokwenene okanye wenza izibalo ukuba baphelela ekuhlawuleleni ikhosi yeminyaka emibini. Kwaye ayingomzekelo wedwa-ukulandela umkhondo kwefowuni kunye neapps zonxibelelwano losapho ziimpawu ezakhelwe-ngaphakathi ezinokuthi zithathe ukuphinda ziphinde zisebenze kunye neempawu ezongezelelekileyo ezihlala zingafanelekanga kwimirhumo yenyanga.
Yinjongo yam ukukunika Lonke ulwazi olufunayo ukukhetha ezona fowuni zilungileyo kunye nesicwangciso sakho. Konke oya kuyidinga ukuyenza kukuya kwiwebhusayithi yenethiwekhi, ukhethe izinto ozifunayo, kwaye ulinde usuku lokuba iifowuni zifike kwibhokisi yakho yeposi. (Ngamanye amaxesha ungathenga isicwangciso kwi-intanethi kwaye uthathe iifowuni kwivenkile-lumka nje xa usenyuka.)
Emva kwimihla ye-iPhone 4S, ndikhe ndathetha nommeli ophetheyo othi uzothumela abathengi rhoqo kwiVenkile ye-Apple ukuba bacofe amaqhosha abo ombane. Xa ndimxelela ukuba banokutshintsha yonke ifowuni, wanyanzelisa ukuba ndiyaphazama. Ndimxelele ukuba ndiligcisa elisebenza evenkileni ngoku, kwaye ndiqinisekile ngomgaqo-nkqubo. Mna cinga wandikholelwa.
Ndirhweba njani ngefowuni yam ukuba ndithenga ifowuni entsha kwi-Intanethi?
Kulula. Ngokwesiqhelo, umntu ophetheyo ukuthumelela ileyibhile ehlawulelwa kwangaphambili kunye nebhokisi ifowuni yakho entsha engenayo. Olu lolunye uncedo lokuthenga iifowuni zakho ezintsha kwi-Intanethi: Unalo ixesha elaneleyo lokuqinisekisa ukuba unazo zonke iifoto zakho, abafowunelwa kunye nolunye ulwazi oluyimfihlo kwifowuni yakho endala ngaphambi kokuba uyithengise. Xa ulungile, ubeka ifowuni yakho endala ebhokisini uze uyilahle ngeposi.
Iingcebiso kunye neengcinga ze-AT & T, iVerizon, kunye nabaXhasi beSprint
Abasebenzisi abatsha be-AT & T kufuneka bazi ukuba iVerizon isandula ukwehlisa amaxabiso ayo kakhulu, inqaku lam elithelekisa izicwangciso zosapho icala-ngecala ibonisa ukuba usapho lwabane ngesicwangciso sedatha esikhulu sinokugcina ngaphezulu kwe- $ 50 ngenyanga ngokutshintshela kwiVerizon, okanye ngaphezulu kwe- $ 80 ngenyanga ngokutshintshela kwi-Sprint.
Nangona ezinye zeeplani ze-AT & T zibiza kakhulu kunezo zeVerizon, abathengi beVerizon banokufuna ukuqaphela ukutshintshela kwi-AT & T ukuba bangasebenzisi idatha eninzi, kwaye bayagula ngeefowuni zabo zangoku kwaye bafuna ukuthengisa.
I-Sprint ikhupha zonke iindawo zokumisa kwaye inikezela ngama-725 eedola kwintengiso yamaxabiso abantu abatshintshayo, okubandakanya ukuya kuthi ga kwi-650 yeedola ukuthenga kwisivumelwano sakho sangoku kunye nekhadi lesipho le- $ 75. Baya kunqumla isicwangciso sakho samanje kwisiqingatha, ngoko awufumani nje kuphela ifowuni kunye nekhadi lesipho, uya kugcina imali eninzi kwisicwangciso sakho ngokunjalo.
Kumava am-kwaye oku kuguqukile kule minyaka idlulileyo- I-AT & T kunye neVerizon zinenkonzo ephezulu kunye nokugubungela, kwaye iSprint ibala kwezinye iindawo. Ukuba ujonge ngokwenene ukugcina Okuninzi yemali, jonga iSprint, kodwa ndingakhuthaza abathengi be-AT & T ukuba bajonge abathengi baseVerizon naseVerizon ukuba bajonge i-AT & T ngaphambi kokuya kwenye indawo.
Tyelela I-Sprint , kunye Inguqulelo 'Iiwebhusayithi ukufunda okungakumbi malunga nezicwangciso zazo zangoku-unokugcina ulondoloze imali eninzi. Ukuba ucinezelwe ixesha, jonga I-Payette Phambili i-Calculator yeSelfowuni yokuGcina ukufunda ukuba ingakanani imali onokuyigcina ngaphantsi komzuzu.
Iingcebiso zokwehlisa iBill yakho yeSelfowuni ngeNethiwekhi yakho yangoku engenazingcingo
Kweli candelo, ndiza kwabelana ngamanye amacebo aya kukunceda ugcine imali nokuba uthatha isigqibo sokutshintshela kumphathi omtsha okanye uhlale nesicwangciso onaso ngoku. Inkqubo ye- okona kulungileyo indlela yokonga imali kukwenza zombini: Tshintshela abathwali kwaye landela iingcebiso ezikweli candelo. Ukuba awulungelanga ukutshintshela, ezi ngcebiso zinokukunceda ukuba wonge imali nayo.
Musa ukuthenga i-Inshurensi yenethiwekhi
Enye yezona mfundiso zixhaphakileyo malunga ne-iPhones- kwaye ngamanye amaxesha abameli bokuthwala baxelela abathengi- kukuba ufuna i-inshurensi yeselfowuni kuba ukuba uyayityumza i-iPhone yakho okanye uyilahle kwindlu yangasese, kuya kufuneka uthenge entsha ngexabiso elipheleleyo lokuthengisa, ethi Ubuncinane ngama- $ 649. Le yi-100% ayiyonyani.
Ndiyakukhuthaza ngamandla ukuba ufunde inqaku lam elizayo malunga nenyaniso malunga ne-inshurensi yenethiwekhi, ebandakanya ikharityhuleyitha yokufumanisa ukuba kufanelekile na ukuba ulahle i-inshurensi yenethiwekhi, nokuba ungathenga iAppleCare +, okanye ukhethe ukungahlawuli nasiphi na isicwangciso seinshurensi konke.
ipad yam yamnyama mnyama
Jonga izicwangciso ezitsha (okanye ezihlaziyiweyo)
Abazali bam kutsha nje baqalise ukugcina i-50 yeedola ngenyanga ngokuphucula isicwangciso sabo esidala kwi 'Verizon Plan' entsha. Ukwenza uphando akufuneki kube nzima. Ndivele ndaya kwiwebhusayithi yeVerizon, ndaqala iseshoni yencoko ebukhoma, ndaza ndabuza ummeli ukuba abazali bam banokugcina imali ngokutshintshela kwisicwangciso esitsha. Imizuzu eyi-15 kamva, abazali bam babesonga i-50 yeedola ngenyanga.
Hlaziya isiCwangciso seDatha yakho
Nokuba ukwisivumelwano seminyaka emibini, iinkcukacha zesicwangciso zihlala zingatshintshwa. Jonga ukusetyenziswa kwedatha yakho, kwaye ukuba uhlala uphantsi kwesixa sedatha oyihlawulayo, ungagcina isixa esikhulu semali ngokuhla usiya kwisicwangciso esisezantsi.
Kwelinye icala, ukuba uhlala uqhubeka nesibonelelo sakho senyanga, unokonga imali ngokunyuka uye kwisicwangciso sedatha ephezulu, kuba iintlawulo zedatha engaphezulu zihlala ziphezulu kunaleyo ubuya kuyihlawula ngokuthenga idatha ebiza kakhulu cwangcisa kwangaphambili.
Ukuba unengxaki yokuhlala phantsi kwesibonelelo sakho sedatha senyanga, inqaku lam labizwa Usebenzisa ntoni idatha kwi-iPhone? iqulethe iingcebiso ezintle eziza kukunceda ukunciphisa ukusetyenziswa kwedatha.
UkuyiSonga phezulu
Kule nqaku, sigubungele ezona ndlela zilungileyo zokunciphisa ityala lakho leselfowuni kumava am endisebenza nawo I-Sprint , kunye Inguqulelo . Iingcebiso zokonga imali kweli nqaku zisebenza nakwezinye izinto ezininzi ezithwalayo. Njengoko sixoxile, i okona kulungileyo indlela yokonga imali kukutshintshela komnye umphathi-ubuncinci de umntu ophetheyo ngoku anikezele ngokulinganayo ngcono jongana nokukubuyisa. Ndingathanda ukuva malunga nemali oyigcinileyo kwicandelo lamagqabaza apha ngezantsi.
Enkosi ngokufunda, kwaye khumbula uPayette Phambili,
UDavid P.