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Review: Larger iPhones eliminate reason to switch

Follow along with the release of the new iPhones in the WTOP live blog.

ANICK JESDANUN
AP Technology Writer

NEW YORK (AP) — It’s easy to dismiss Apple’s new iPhones as merely catching up to Android.

After all, phones running Google’s Android system long have had larger screens. In addition, many Android phones already have the wireless chips that iPhones are getting for making credit card payments without pulling out a card at retail stores.

But the new iPhones are a big deal for one simple reason: Only Apple has the advantage of building both the hardware and the software, so iPhones are easier to use and more dependable.

There are many flavors of Android out there, and some phones won’t run the latest apps or work with accessories such as smartwatches. In addition, many leading apps come to the iPhone first or have features exclusive to iPhones.

Android phones still have some advantages. Samsung’s flagship phones are still slightly larger than the new iPhones, for instance. Their cameras have higher megapixel counts — though that’s just one factor in what makes a good photo.

What the new iPhones do is eliminate screen size as a reason to avoid iPhones.

The question, then, becomes: Which one?

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— Size considerations.

The iPhone 5, 5s and 5c have screens measuring 4 inches diagonally. The iPhone 6 boosts that to 4.7 inches, while the iPhone 6 Plus is at 5.5 inches. Yet the new phones are thinner than the smaller models.

Apple gets rid of glass in the back in favor of an all-aluminum body with curved edges. The new iPhones don’t feel as boxy as previous models.

And the new phones make good use of the larger screens. Those with poorer eyesight can choose a “zoom” option so that everything gets blown up to fill the extra space, just like larger Android phones. Otherwise, you can fit in more content, including an extra row of icons on the home screen.

The iPhone 6 Plus also allows apps to rearrange their layout in horizontal mode. Content appears in two columns, so you’re not switching back and forth as much. The drawback: The Plus is huge for those who don’t regularly carry a backpack or purse.

I personally find past iPhones easier to carry and fit in the pocket, especially when I go out running. Apple will still make last year’s 5s and 5c available, at reduced prices. The 5c is essentially 2-year-old technology, so the 5s is the better option.

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— New features.

The 5s doesn’t have the new iPhones’ faster processors, but its speed should be adequate for the next year or two. But here’s what you’ll miss, besides the bigger screen:

Only the new phones have the mobile payments technology, so you can start using Apple Pay next month. A new barometer sensor measures elevation, so fitness apps can credit you for climbing stairs and hills.

Where the new phones shine is in the camera. Although the rear cameras stay at 8 megapixels, compared with 16 megapixels in the flagship Samsung phones, performance has improved.

Both iPhones have new technology for faster and more accurate focus. The Plus model also has a physical image stabilizer to help reduce shake, especially in low-light settings. The iPhone 5s and 6 use software tricks to do that.

I took the iPhone 5s, 6 and 6 Plus, the Samsung Galaxy S5 and Microsoft’s Lumia Icon to Central Park to take about 250 photos and 30 videos.

In my limited tests, photos on the new iPhones weren’t noticeably better, but that’s because the 5s already takes good photos. The Icon tends to take better night shots, but its response time is slow and night images sometimes look grainy and distorted. I have found the camera on the 5s to be consistently good, and the new iPhones won’t disappoint.

Where improvement is obvious is in some new features:

— There’s now a second slow-motion mode — for video at one-fourth the normal speed, rather than just half the speed in the 5s.

— A time-lapse feature lets you combine multiple still shots from the same location over a period of time. Think of those fast-moving videos showing an entire building being constructed in just a minute. I had fun making joggers in Central Park appear to be superhero fast.

— The front camera can now take 10 shots a second in a burst mode, matching what the rear camera can do. You can choose the best shot for selfies. The front camera also lets in more light than before.

The time-lapse and front burst features are part of the new iOS 8 software, so the iPhone 5s gets the improvements with a free download. All iOS 8 phones also have an easier way to adjust exposure, in case the sensors don’t get it right.

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— Storage and pricing.

It’s tempting to get the cheapest models with 16 gigabytes of storage — in the case of the iPhone 6, for $200 with a two-year service contract. But phones fill up quickly with photos, music and apps, and iPhones don’t let you add storage.

Fortunately, Apple is doubling the storage for its top two models. So $300 at the contract price gets you 64 gigabytes instead of 32 GB, while $400 gets you 128 GB rather than 64 GB. I recommend getting at least 64 GB.

For the Plus models, add $100 to the price. If you don’t want a contract with your carrier, add another $450 for an unlocked version.

Remember: if you have a discounted rate with AT&T because you have fulfilled your two-year contract, getting a new phone at a subsidized price will bump your monthly service fee back up.

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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