I have always paid the big money to buy an unlocked phone, beginning with the iPhone. I should add up the money I have spent - Tmobile is cheaper than AT&T but their phones are awful. I am thinking if I paid the additional money monthly I wouldn't have to pay the large money a few times a year to buy a great phone that is unlocked to work on their stupid network. I pay $65 a month to Tmobile for unlimited everything. How much is AT&T unlimited everything? I paid almost $700 for my unlocked AT&T L1020 from Amazon. and just paid $700 again for an unlocked L1520. Neither one were factory unlocked. The factory unlocked phones from Canada, unless they are Pentaband, will not give me LTE. What's the answer because Tmobile will never have good phones. I remember a rep from Tmobile saying to me a long time ago, "Tmobile is not in the phone business, we are in the carrier or service business."