First, I'm not a techie. It's awesome that many of you are, and so I humbly come and request your advice. There's got to be something I'm missing here, so please help me see it. I've been with VZ for many years. Their pricing scheme is too high. My family wants better phones, and having recently purchased a MacBook, iMac and iPad mini, the iPhone 6 is something I want. I'm tired of androids freezing on me, even when I buy the best out on the market- 2 years later I want to sacrifice it to the volcano gods. I'm no longer on contract with VZ, and just paying month to month. So, with Sprint and TMobile offering payment of your contracts ETF, what is stopping me from doing this?: Buying an iPhone 6 for each of my 5 lines on contract with VZ, paying out $200 a piece initially..... then turning around in a few days and switching to TMobile or Sprint and having them pay my ETF for VZ, bringing my new phones over to one of those carriers? Verizon's iPhone 6s are unlocked, right? So what would I have to do to switch them over? Would this not save me $400+ each phone versus trying to buy one outright or on a 'payment plan'? Assuming that the other carrier's refund of VZs ETF is reliable, this seems like a way to save money (just have to wait 8-12 weeks for it). What am I missing? Is this a decent idea? Please be nice as I am coming here for a legitimate question and I'm sure that the carriers would have their own bias about what to do. What I've found so far is that they 'exaggerate' their pros and the other's cons quite a bit and many don't even know all about their own plans. Thanks!!!