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Advice On Purchasing A New Phone

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I am going to be buying a new phone, and I am gearing toward buying the unlocked version of the phone, but that's a high price up front compared to the two-year contract version I can get through AT&T. I'm already a customer, so I was still thinking about buying the phone unlocked and just taking into AT&T to stay away from the contract or increasing monthly payments. Can anyone help advise me on what's the best deal?

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