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The numbers on why you probably don’t want to buy AppleCare, at least at retail price

It’s a truism that insurance is a business where you bet you’ll break your toys and insurance companies bet you won’t – and that insurers have the stats on their side. The WSJ uses the example of a broken screen on an iPhone 6 to show how the numbers stack up, illustrating that most people are better off taking the risk.

Without AppleCare, Apple will charge you $109 for the repair. With AppleCare, Apple still charges a $79 deductible, and you laid out $99 for AppleCare in the first place, so you’re now out a total of $178. In effect, you paid $99 to cover a $20 cost.

Of course, you may manage to destroy your phone completely, and you may – if you’re an exceptional klutz – even manage to do it twice, when AppleCare could save you a lot of money. Some MacBook repairs are also very expensive, so again things could work out in your favor.

But overall, insurers make money because it makes more sense just to pay for things when they break. The WSJ got some simple advice from an economist on the most sensible approach for most of us.

Yet for most of us, here’s a better plan from Richard Thaler, a renowned economist at the University of Chicago Booth School of Business: “Every time someone offers to sell you insurance on a non-large purchase say no, and take that money and put it into a rainy-day account. With any luck, there will be plenty of money in that account the next time you drop your iPhone.”

The economics may be slightly different if you can get a deal on AppleCare. You can save a few bucks buying direct from Apple on Amazon, while B&H and Adorama also have deals. Apple’s education store currently offers the best saving if you qualify.

How has having or not having AppleCare worked out for you? Let us know in the comments.

Apple Black Friday Gameplan – knock out holiday shopping quickly, save tons of cash

Update: We’ve got hundreds of items in our Apple Black Friday Mac/iPhone/iPad accessories and software guide

As the Thanksgiving turkey and wine buzz starts to wear off and we head into the pinnacle of American consumerism known as Black Friday, we here at 9to5Mac have some tips which should make the shopping experience pleasant, efficient and productive. Over the next 24 hours, everything Apple related will be at the lowest prices of the year. We’re going to guide you to getting in, saving a bunch of cash and getting on your way.

First some don’ts:

  • Don’t for any reason actually go to a physical store. The 2-3 $150 50″ Best Buy TVs per store isn’t worth being in the vicinity of Black Friday shoppers and the “Door Busting”. It’s a nightmare out there. Go to a park. Play with your kids. Spend a few minutes with us and we’ll knock out that gifting.
  • Don’t actually buy anything online until Black Friday. Prices keep dropping in the runup to Black Friday. Wait. Enjoy the time with your family, watch some football. If you must, grab some small ticket items and get those out of the way. If you miss something, it will likely be around again on “Cyber Monday”.
  • Don’t buy anything at an Apple Store or Apple.com. Apple has outsourced Black Friday to their retail partners and have normal prices across the board. The stuff you buy at Target/Best Buy/Walmart/Amazon/etc.com is the exact same product and warranty you get at Apple. Pro-Tip: Apple Stores are for showrooming and repairs.
  • Don’t touch that dial. Stick with us here at 9to5Mac, 9to5Google and most importantly 9to5Toys for all of the best deals. Heck, now’s the time to subscribe to 9to5Toys TwitterRSS FeedFacebookGoogle+ and Safari push notifications. We’ve got a team of 20 people scouring the web for the best deals out there and tomorrow it is going to come fast and furious.

As for Apple products, we’ve distilled the absolute best deals out there into just a few options. Important considerations include state tax at time of purchase, gift cards vs. actual savings, shipping and rewards. Also, AppleCare discounts. Here’s the quick rundown:

Apple Watch

Target, B&H and Best Buy in the US have the biggest discounts we’ve seen this year. Best Buy will knock off $50 on Sport and $100 on Stainless. Target gives you a $100 gift card on both models which is of course good for an additional 5% cash back using their RedCard. Both sites charge tax in all 50 states but offer free shipping.

However, the best option might be B&H Photo which offers the Apple Watch in fewer varieties than Best Buy but for the same $50 off Sport/$100 off Stainless. In addition, B&H throws in a $50 gift card, B&H only charges Tax in New York State which may save you big money.

B&H Photo:

Best Buy:

Target:

Apple Watch Sport starts at $349 and comes with a free $100 Target Gift Card. Use your REDcard to save an additional 5% and your effective net cost is just $231.55. That’s the lowest price we’ve seen on new Apple Watches. Target will throw in the free gift card on any in-stock Apple Watch.

Apple TV

Target has the New Apple TV for ~$50 off in store but those prices will likely hit retailers like Walmart ($112) tomorrow. HHGregg also is expected to have some availability on Black Friday at reduced cost. Staples has $25 off if you checkout with Visa Checkout. The 3rd Gen Apple TV is $50 in a number of places and $40 Geek squad refurb at Best Buy. Stay tuned.

iPods

For those of us that still love the iPod touch, there are a few nice deals around. Best Buy cuts $50 across the board, Target cuts $40-$60 and Walmart cuts $35.

iPhone

iPhones with plans from the major US carriers are marked down significantly in a number of retail outlets

iPad

iPad Air/2

iPad mini 2/3/4

iPad Pro

Macs

Mac prices and inventory will fluctuate wildly on Black Friday. Best Buy gives an extra $50 off to students on iMacs and MacBooks

Retina 12-inch MacBooks are now widely available in Gold, Silver and Space Gray. The best prices as of this writing are:

MacBook Airs: B&H are running the table as of this writing with $120 off across the board, Tax only in New York and 6 months of Parallels Access but things will likely change – stay tuned.

MacBook Pro

B&H is leading the way with $150-$500 off 13-inch MacBook Pros and $200-$500 off 15.4-inch MacBook Pros. We expect to see some lower prices at eBay and other locations through the day.

iMacs

The entry level iMac is a whopping $200 off at Best Buy ($899) and with the .EDU  credit drops down to $850 shipped. After that B&H is leading the way with at least $100-$300 off on standard models and MacMall leads the way on custom configs. We’ve heard whispers that a retailler is going to do some serious price drops so we’ll post those when they happen.

Mac mini:

B&H takes $50 off the base model which now starts at $449 and $70 and $100 off the higher models. Other places take off less but will likely drop prices tomorrow.

Mac Pros:

Again, B&H has the lowest base model price and most of the configurations along with MacMall.

The above prices and inventory will likely be all over the place on Black Friday so we’ll be updating frequently. Thanks again for joining us for Black Friday 2015.

iPad Pro: AppleCare staff given Nov. 6 training deadline, Pencil charging adapter detailed

Ahead of the iPad Pro’s launch in November, sources have shared a couple of tidbits regarding launch plans for the device. We are told that Apple this week has started training its AppleCare support staff to become familiar with troubleshooting the larger tablet. Apple typically prepares its support network on major new products in the couple of weeks prior to the device’s launch. Apple is asking its support centers to complete their training by Friday, November 6th, which indicates that the iPad Pro is likely still on track for the early November launch we previously discussed.


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9to5Toys Last Call: 256GB Retina MacBook Pro $1,280, Bose around-ear headphones $100, AirPrint Printer $35, more

Keep up with the best gear and deals on the web by signing up for the 9to5Toys Newsletter. Also, be sure to check us out on: TwitterRSS FeedFacebookGoogle+ and Safari push notifications.

Today’s can’t miss deals:

Last Call Updates:

Aukey USB Power Roundup: 6-Port 50W: $15, 5-port 40W: $10, 4-port 30W: $8 Prime shipped

13″ Retina MacBook Pro (newest) 2.7GHz/8GB/256GB: $1,280 shipped (Reg. $1,499)

13″ Retina MacBook Pro (newest) 2.7GHz/8GB/128GB: $1,080 shipped (Reg. $1,299)

Over-Ear Headphones: Bose SoundTrue $100 (Reg. $120), Sennheiser HD202 $15 (Reg. $25), more

JayBird BlueBuds X Sport Bluetooth Sweat Proof Headphones $90 shipped (Reg. $130), more

HP AirPrint Wireless All-in-One Printers: InkJet $35 (Reg. $60), LaserJet $304 (Reg. $400+)

Amazon Student Days: Fire TV (4K model) $60, free $5 credit w/ Gift Card purchase, SanDisk 64GB Wi-Fi Flash Drive $45more

Giveaway: Trinity Delta aluminum earbuds feature a unique design and top-notch sound ($135 value), 20% discount

More new gear from today:

Amazon Gold Box – 50% or more off Halloween Costumes: Darth Vader $17, Thor $30, Supergirl $12more

[tweet https://twitter.com/9to5toys/status/651729413374087168 align=’center’]

More deals still alive:

USB Power Deals: KMASHI 15,000mAh USB $14 (Reg. $20), Aukey 2A Wall Charger $8 (Reg. $16), more

[tweet https://twitter.com/9to5toys/status/651126504156368896 align=’center’]

New products & more:

Logitech’s new Harmony Home Hub Extender lets the pizza man in with your remote

Roku’s new streaming media player supports 4K and finds your remote control for you

9to5Toys Last Call: Spigen iPhone 6s/Plus cases + accessories from $2, 11″ MacBook Air $850, iPad Air 2 $399, more

Keep up with the best gear and deals on the web by signing up for the 9to5Toys Newsletter. Also, be sure to check us out on: TwitterRSS FeedFacebookGoogle+ and Safari push notifications.

Today’s can’t miss deals:

Last Call Updates:

App Store Free App of the Week: Shadowmatic puzzle game goes free for the first time ($3 value)

Spigen iPhone 6s/Plus cases and accessories 75% off, deals start at just $2 shipped

Apple 11″ MacBook Air 1.6GHz/4GB/256GB $850 w/ .edu (Reg. $1,099), 13″ Retina MacBook Pro $1,280 (Reg. $1,499)

Save $100 on Apple’s all-new 12-inch MacBook + extra $50 for students/faculty: 256GB model $1,150 w/ .edu (Reg. $1,299)

Save $100 on Apple iPad: Air 2 Wi-Fi 16GB $399, 64GB $499, 128GB $599, mini 3 Wi-Fi 16GB $299

The Mega Mac 2015 Bundle: 15 solid Apps including MacBooster 2, Disk Drill Pro & More $25 (Orig. $564)

MacUpdate Bundle: 10 apps including Toast 14, DevonThink, ExpanDrive, Boom, iMazing and more for $50

Giveaway: Schoolhouse Electric makes the clock cool again, $290 value

More new gear from today:

OtterBox iPhone 6 Defender Case (gray or black) from $24 shipped (Orig. $50)

More deals still alive:

Logitech Type+ Folio Case with Bluetooth Keyboard for iPad Air: $35 shipped (Reg. $100)

Aukey 13.3-inch Macbook Carrying Bag and Sleeve Case Cover $6.50 Prime shipped (Reg. $13)

New products & more:

This Star Wars Battlefront Deluxe bundle includes a working Han Solo mini fridge

Explore the depths of the ocean with the new Trident submersible drone

Apple discontinues combined Apple Watch + iPhone AppleCare packages

 

On the iPhone 6s and iPhone 6s Plus announcement day, Apple increased the pricing of its AppleCare+ protection plan from $99 to $129. We’ve since discovered that Apple has additionally discontinued its combined plans for the Apple Watch and iPhone. Since the launch of the Apple Watch earlier this year, Apple offered combined packages that allowed a customer to protect both devices on a single plan. Now, customers must purchase both plans separately. The combined packages did not bring any discount or value over purchasing the plans separately, so the discontinuation of the program does not come as a major change for consumers. Apple has told employees that customers who have already purchased the combined plans will not be affected through their deals.

Apple Watch demand ‘so strong’ says Best Buy CEO, expanding availability to all stores

While Apple has been mostly mum on the numbers behind Apple Watch sales so far, Best Buy is standing behind the iPhone maker’s general message that the Apple Watch has been a hit with customers. The electronics retailer started selling Apple Watches this month in select stores, first in the United States and later in Canada, and today Best Buy’s CEO Hubert Joly said Apple Watch demand has been “so strong” both online and in stores as the retailer plans to carry the smartwatch at even more locations.
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Apple to begin offering AppleCare through Best Buy for iPhone 6S

Apple and Best Buy have agreed to begin selling both the standard AppleCare protection plan for Macs and the more premium AppleCare+ for iPhones, iPads, and the Apple Watch through Best Buy stores, according to sources. The plans call for Best Buy to begin offering the AppleCare plans in its stores at checkout around the week of September 14th, just ahead of the iPhone 6S launch. This will mark a notable expansion of the Apple and Best Buy relationship, and Best Buy will become one of the only retailers, aside from select U.S. carriers, to offer AppleCare outside of an Apple Store.


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AppleCare+ gets simplified for international iPhone/iPad purchases, expansion to Brazil, Turkey, Spain coming

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In a video this week to retail store employees, AppleCare chief Tara Bunch has outlined some changes coming to the company’s AppleCare+ program for the iPhone and iPad. In the video, Bunch and an associate in charge of AppleCare+ say that the service will now become simpler to add for international customers. For example, if a Hong Kong resident travels to the United States, purchases an iPhone or iPad, and adds AppleCare+ to their purchase, their new device will become automatically registered with AppleCare+ in their home country…


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AppleCare+ customers seek new class-action suit over subpar replacement hardware

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A disgruntled Apple customer is attempting to bring a new class-action suit against the company, claiming that replacement devices received under the AppleCare+ protection plan were not “like new,” despite being presented as such as part of the policy. Buyers involved claim that by providing refurbished devices as replacements, Apple breached the AppleCare contract…
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AppleCare+ extends coverage to defective batteries holding less than 80% of original specs

Update: Apple has now made the same change to AppleCare for Mac.

Apple has made a small but welcomed change for those that have AppleCare+ for iPhone, iPad, or Apple Watch, adding improved coverage for defective batteries. Previously Apple’s terms for the extended warranty offered coverage for batteries that retained less than 50% of Apple’s quoted specs. But with the updated terms, Apple will have you covered for batteries that retain less than 80%.

If during the Plan Term, you submit a valid claim by notifying Apple that (i) a defect in materials and workmanship has arisen in the Covered Equipment, or (ii) the capacity of the Covered Device’s battery to hold an electrical charge is less than eighty percent (80%) of its original specifications…

For AppleCare+ customers with batteries holding less than 80% of their original capacity, Apple will offer to repair or provide a replacement unit.

For Apple Watch, AppleCare+ extends coverage on the Watch and Watch Sport models to two years, up from the one year complimentary warranty that comes with the device. It also gives users up to two incidents of accidental damage coverage subject to a $69-$79 fee. The pricey $10,000+ Apple Watch Edition models, however, get coverage extended to three years with accidental damage fees costing $1000.

AppleCare+ for iPhone or iPad costs $99, while Apple offers a bundle for Apple Watch and iPhone starting at $149. AppleCare+ for Apple Watch Edition costs $1,600.

Apple offers solutions as users report Apple Watch charging issues, iPhone battery drain

A small number of early Apple Watch users are reporting problems charging the device, as well as excessive drain of the paired iPhone’s battery, according to posts on Apple’s discussion forums and Twitter. According to training documents received by 9to5Mac, Apple is already aware of the issues, and offering solutions that may help affected users.

Users with charging problems have explained that the Apple Watch will physically connect to its charger and say that it’s charging properly, “but in reality the power diminishes as if no charger was plugged in.” In some cases, the issue appears to be in software, where one of two several-step tricks may enable the Watch to recharge:

  1. Turn off and reset the Watch, first holding the side button, swiping to power off, then holding the Digital Crown and side button at the same time until the Apple logo appears. This alone may solve the problem.
  2. If that doesn’t work, restart the connected iPhone, open the Apple Watch app, then Erase All Content and Settings using General > Reset. Set up the Watch again and see if charging works.

Some users have noted that their issues appear to be hardware defects, which are being resolved by AppleCare using either replacement Watches or charging cables. However, one user noted that what appeared to be a hardware problem may have been caused by not removing protective plastic on the Watch’s rear charging surface, and was resolved by restarting the Watch. These types of problems, as well as “super quick” iPhone battery drain issues are in the process of being addressed by Apple, as explained below…


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What Apple Watch damage is covered by warranty? Here’s how Apple will determine what’s eligible

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Apple will be doing a visual mechanical inspection of the Apple Watch, like with the rest of its products, when customers bring in a damaged device for repair. But what will be covered under your warranty exactly? And what issues will Apple be looking for to determine what is eligible for repair under or out of warranty? Head below for all the details…
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Don’t think you’re done after paying $10-17k for your Edition watch, plus $1500 for AppleCare+ …

You might think that when you’d laid out between $10,000 and $17,000 for your Apple Watch Edition (low-key box included), and a further $1500 for AppleCare+ to protect it, you could safely extinguish the flames on your credit card and put it away. But nope: according to a company document we’ve seen, if you actually need to claim on AppleCare+, the ‘service fee’ is a cool $1000.

Perhaps that buys you some time with someone in Apple’s executive suite or a celeb or something.

AppleCare+ for Apple Watch: $999 for Edition, $79 for Watch, $59 for Sport

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To go along with the premium $10,000 and up pricing of the 18-karat gold Apple Watch Edition, Apple will charge up to $999 for the Apple Watch Edition’s AppleCare+ Protection Plan, 9to5Mac has learned. The Apple Watch Edition notably has very different AppleCare coverage from other Apple Watch models, coming with two years of 24/7 support and a special setup hotline right out of the box. AppleCare+ will add a third year of technical support and support for up to two incidents of accidental hardware damage. More affordable AppleCare+ coverage will also be offered for the aluminum Sport and stainless steel standard models, which will cost $59 and $79 respectively, adding a second year of technical support to the included one year, plus support for up to two incidents of accidental hardware damage…


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Apple Watch Edition perks: 24/7 support, private 1-hour appointments, no lines

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After hiring a new team of fashion sales and marketing experts from Yves St. Laurent, Louis Vuitton, and Burberry, Apple has developed a unique Apple Store purchasing experience just for the 18-karat gold Apple Watch Edition, according to sources briefed on the launch plans. When a customer interested in the Apple Watch Edition enters the store, he or she will be given no-wait access to a dedicated Expert, who will provide a personalized “journey” from the beginning of the appointment until the end, as much as one hour later. There will even be a new option for at-home video conferencing rather than in-store personal setup. By design, it will be more “elegant” than the budget-focused experience Apple Watch Sport customers receive…


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AppleCare now supporting Beats Music service, Apple Pay for business

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Starting today, AppleCare will begin providing support service for Beats Music customers as well as businesses interested in accepting Apple Pay, according to sources. Support for the streaming music service previously went through a separate system from Apple’s other products and services. AppleCare staff has also been advised on helping businesses with accepting Apple Pay as the company pushes its new mobile payment service.
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Apple to overhaul Genius Bar, changing appointments and using phones as pagers

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Apple will soon make a significant change to retail store Genius Bar appointments to improve the customer experience, according to several sources briefed on the upcoming shift. During the week of March 9th, Apple’s United States stores will launch a new initiative called “The new Concierge” that replaces traditional walk-in Genius Bar appointments. Currently, a customer seeking Genius Bar assistance can walk into an Apple Retail Store, explain the issue to a check-in assistant, and get a specific time to return for an appointment…


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Apple moving Beats Electronics technical support wholly in-house, replacing outsourced support

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Apple is in the process of winding down Beats Electronics’ outsourced phone support ties and moving technical support completely in-house via AppleCare, according to sources. Beats Electronics phone support is currently split between Apple and Sitel, a customer support outsourcing firm, and Apple is aiming to completely end that relationship as soon as March. Apple cut several Beats jobs in July following the acquisition. Sitel employees have confirmed that they will be moved to new technical support positions for other companies, and AppleCare employees similarly confirmed that Beats support will soon be handled completely internally. Apple acquired Beats Electronics and Beats Music in May 2014 for $3 billion, and sales transitioned to the Apple Online Store in August. Apple Store Genius Bars began servicing Beats products late last year.


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Check out Apple and IBM’s new enterprise iOS apps (Gallery)

After first announcing a major partnership earlier this year, Apple and IBM unveiled today a list of new enterprise apps focused on various industries including retail, government, banking, travel, and more. This is the first glimpse of what the collaboration between Apple and IBM actually looks like, and below you can see exactly what these enterprise apps look like and what they do for their respective industry. Check out each app name and description below (click for full size):
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Apple & IBM announce first batch of MobileFirst iOS apps for enterprise

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Following an announcement earlier this year that Apple was teaming up with IBM to deliver a number of enterprise solutions, today Apple has officially announced the first wave of iOS apps being released through the partnership. As part of IBM’s “MobileFirst for iOS,” Apple and IBM today announced 10 new apps designed specifically for businesses including banking, retail, insurance, financial services, telecommunications and for governments and airlines.

“This is a big step for iPhone and iPad in the enterprise, and we can’t wait to see the exciting new ways organizations will put iOS devices to work,” said Philip Schiller, Apple’s senior vice president of Worldwide Marketing. “The business world has gone mobile, and Apple and IBM are bringing together the world’s best technology with the smartest data and analytics to help businesses redefine how work gets done.”

The apps launching today through the partnership include Plan Flight and Passenger+ for the travel industry, Advise & Grow and Trusted Advice for the banking and financial industries, Retention (insurance), Case Advice and Incident Aware for government, Sales Assist and Pick & Pack for retail, and Expert Tech for telecommunications industries. Apple notes that the apps offer customizable experiences and are “managed and upgraded via cloud services from IBM specifically for iOS devices.”

In addition to the new apps, which Apple described in more detail in its press release below, Apple noted other services that will go hand-in-hand with the apps. Those include integration with IBM’s Mobile Platform and Enterprise solutions as well as AppleCare for the Enterprise, Apple’s new business specific tech support service introduced as part of the IBM deal.

Apple’s full press release is below:


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