I've been using this phone for about 10 months. I really like it. I create my own MP3 ringers by downloading songs, then using free software on the net to edit them down to 20-30 seconds. The camera is so-so, but is fun to have since you can email the pics to people as soon as you take them. The directory is a little confusing as I still don't know if I am saving to the phone, the SIM card, or both, but I don't care about it too much. The voice dialing is nice, and the speaker phone is great.As for T-Mobile, there is much to be desired. Lots of service holes in my area (metro Detroit) and a lot of sudden drop offs. This is true with my friends also on T-Mobile, so I don't blame my phone. Get the phone, but be wary if you go with T-Mobile.