$20 is too much for unlimited nationwide calling. Basically, if you get a t-mobile phone with wifi, they charge you $20 to use their Voip on it. You can easily install a mobile voip client on the same phone and use a service like skype(out) and get a comparable calling plan for $5 a month.
You only pay for the service if you want unlimited calling. Use can use the wifi phone with-out the addtional $10 or $20. It will just count off your minutes. Still great option if your signal is weak at home or office.
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