Buying last year's model often pays off when you're shopping for a new car. It can also save you big bucks when you're looking for a new smartphone. Indeed, Samsung's Galaxy line provides a good example. The company released its new Galaxy S5 on Friday on all four major wireless networks. But despite a couple of much-talked-about new features, most experts agree that the technical differences between the S5 and the S4 are minor. Instead, the biggest difference is the price tag. The older S4 is at least $100 less expensive than the brand-new S5. So what's a prospective smartphone buyer to do? I answer that very question in this edition of Ask Maggie.Galaxy S4 vs. Galaxy S5 Dear Maggie, I need a new smartphone. I know I want a Samsung Galaxy. But I'm a little torn about which one to get. I've also heard that you can get a good discount on last year's model. Is it worth it to get the newer Galaxy S5, or could I get a good deal on the Galaxy S4 and still be happy? Thanks, Dear … [Read more...] about Is the Samsung Galaxy S5 really worth the extra cash?