Hi, My contract with ATT ends in october, but the fee is $250 to buy a new phone now. SO, I can buy a lumia 620 from Expansys, no contract and then buy the next lumias or galaxy (Whatever's good by then) or I can start a new contract now and get the 820 ($50) and pay the fee. I am leaning towards 620 because of no contract, but hmm I am in a real pickle. Need help choosing soon, dont want to make an impulse buy on the crappy nexus 4.