Right now, my contract with another carrier is ending. I haven't updated my phone in 70 months... yes, since 2008 and I'm definitely ready for a change. I'm very interested and excited to get an iPhone 4S, and I also plan on switching to Verizon Wireless as a service provider. My needs: - I'm leaving a family plan and changing to an individual plan with Verizon - I don't talk on the phone that much monthly (under 500 minutes) - I text a fair bit, depending on the month (probably want unlimited) - I plan on using about 3GB of data monthly (first month will be a test trial) - I want to be able to cheaply turn my iPhone 4S into a mobile hotspot to tether data/internet access to my iPad - I will be using my iPhone for mainly talk, text, emails, Siri, very brief internet browsing, and applications - I will be using my iPad for internet browsing the internet, watching pre-downloaded movies (no streaming), applications, e-books/newspapers, Facebook, Skype, Facetime Which plan would be best for me? Also, assuming that I accidentally run over the data limit, what are the penalties? When do you begin to get throttled?