Hi there, a friend of mine recently suggested that I buy my iPhone 5 contract-free and go month-to-month on Verizon, as I would save money over two years. This is compared to the standard two year contract where the phone is subsidized. Is this true? From the research I have done I've never seen this recommendation before. I just have a dumb phone right now with no plan, so there are no grandfathering issues. Thanks!