Eggplant-EX

1) Unlimited data/talk/text for $59 but I have to buy my own phone. NB. I looked on Ebay and worry that I am not getting a real Nokia...

2) Same as #1 but pay $15 a month to buy a phone.

3) $89 Unlimted data/talk/text which includes the phone

MR1

How long will you keep the phone?
Why not buy through Amazon or a phone store for a possibly better deal?

CGFebTSX04

Have you considered the Walmart T-Mobile plans? Depending on how much voice and data you actually need, you can save some money and even use any unlocked mobile phone compatible with T-Mobile bands.

http://instoresnow.walmart.com/tmobile.aspx

YeuEmMaiMai

depends upon what you gonna use the ohone for. I tether like mad so I would use a plan that gives me the most unthrottled data. I am still using a 2 year old HD2, works like a charm and does everything it needs to.

Eggplant-EX

So I went with the text/talk/web 2GB for 59.99 I paid $50 down on the phone and $15month x24. I bought the Lumia and am slowly learning. Took me a while to figure out why the phone had no ring tone. Duh, the volume was off.