Math time! (maths time for you Brits)
We're going to pretend the prepaid $30 plan that so many of us love doesn't exist because there's no comparable plan.
All plans compared include unlimited voice and SMS/MMS. Contract plans are $10 cheaper if limited to 500 minutes on-peak (still unlimited nights & weekends)
Standard plan (contract, subsidy) is $80 for 2GB, $90 for unlimited data.
Value plan (contract, no subsidy) is $60 for 2GB, $70 for unlimited data.
Monthly 4G plan (prepaid) is likewise $60 for 2GB, $70 for unlimited data. (so all you get from the value plan's contract is data roaming, which is of questionable utility in some parts of the country)
So, the difference between subsidized phones and unsubsidized is $20/mo, or $480 over two years, making the true cost of that phone $580. Ouch. According to the small print, you can 'finance' on the value plan for an additional $20/mo for 20mos, so it's a $500 phone. This is grade 5 math, folks, and your current cellphone has a calculator on it if you need help
People are bad at math. That's why so many people get screwed by the car dealer "oh, you can take this car home for $X a month". Same deal here--it's
clearly the better financial decision to pay $350 now vs. $580 over the course of two years, especially when 1% interest on savings is an
amazing rate.
Now we'll throw in the prepaid plans we love. The $30 plan vs. the $70 500min/2GB contract plan is a difference of $960 over two years. The Straight Talk $45 plan (with ~2GB) vs the $80 unl/2GB contract plan is a difference of $840 over two years. $840 buys a $350 16GB N4 and still leaves you $490 to spend on beer.
Also, unless they raised it very recently, T-Mobile's ETF is a flat $200, so if you're willing to use T-Mo for a month and hassle with cancelling you can have this phone for $300. Nice.
That picture is not normal; it looks like a motion blur so my guess is that HDR was on. I've gotten some pretty amazing shots out of it, though. It's no iPhone camera but I certainly wouldn't call it terrible. The multiple exposures required to do HDR mean that it'll ruin indoor shots. Set properly, I can read the text on the papers when I take a picture of my desk.