Family's 2-year contract with T-Mobile will end March 2013, and we are all planning to switch to either Verizon or AT&T. Since I was able to sell my previous iPhone for a decent price I decided to go to Target's kiosk to purchase an iPhone 5 under new contract, with AT&T. They're currently having a sale at $149 for the 16gb model so I couldn't resist. (Paid only about $200 out the door with tax) Problem is: the signal with AT&T isn't so great around my home compared to T-Mobile. I'm guessing we'll stick with the latter. I've also recently found that this device can be unlocked for all gsm carrier for as low as under $5. How do I go keeping this phone, to be used on T-Mobile? Paying the ETF ($325) + first month's bill, activation fees ($125) + price paid for phone ($200) = Roughly $650 If Target doesn't take back their $50 sales discount after ETF, I save $50. Am I better off just returning the phone completely (still within 14-day policy), and purchasing a subsidized device at Apple Store for $700 with CA tax included? Thanks for reading and inputting any advice!