This may be off topic. Though, it didn't seem to conflict with this community's bylaws:
I want to know how to get an absolutely clear picture of monthly spending on a Verizon plan. I've been told by Verizon customer service that they can't legally provide tax estimates, however, they have an estimator:
Now, what I'd like to get is four (4) iPhone X's with an Unlimited Plan with a military discount. Three 256gb and one 64gb. I calculate this to be $185.39 per month since it's
3 x 47.91/mo. -> 256gb
1 x 41.66/mo. -> 64gb
Just for the devices, but the monthly pricing is $45/mo with -$5/mo for opting in for e-billing, so $40/mo for four lines is $160. That's $345.39/mo not including the monthly military discount of -$15/mo, so $330.59/mo. But, I'm not sure how to estimate (using the tax/fee estimates they provided) the first month's payment for the additional taxes, fees, etc. Do I just apply the percentages to the total value of all the phones combined? What about the monthly Verizon service fee, is that fixed, or will I be paying fees for that each month?
So I've got it down to $330.59 + $30 activation fee + $322.62 (sales tax) = $683.01 for the first month's payment (at least) not including the "Verizon Wireless Surcharges" (VWS) and "Taxes, Governmental Surcharges and Fees (% based)" (TGSF), which I'm not sure the payment details of. So is it:
First month: $683.01 + VWS + TGSF
Second month: $330.59 + VWS + TGSF
Twenty-fifth month: $145 + VWS + TGSF
Interesting things to note: The retail price for the 64gb device is $999.99 (at $41.66/mo. for 24 mo), and the retail price for the 256gb device is $1149.99 (at $47.91/mo. for 24 mo), but
$41.66/mo. for 24 mo = $999.84 < $999.99
$47.91/mo. for 24 mo = $1149.84 < $1149.99
So why (even though it's small) is the sales tax rate applied on the "retail price" when I'm not actually paying it because my monthly totals are less than the "retail price" listed. It is a small detail, but with a sales tax rate of 7.25% we get:
7.25% of $1149.84 is $83.36
7.25% of $1149.99 is $83.37
7.25% of $999.84 is $72.49
7.25% of $999.99 is $72.50
This amounts, for my order, to $0.03 + $0.01 = $0.04 more I'm paying for no reason.
I basically want a month-by-month list of projected payments. That is, first month, months 2 - 24, and months 25-and-on after the phones are paid off. How are the VWS + TGSF fees calculated/paid?