T-Mobile is calling and they want your cell phone business with a couple of new developments that herald the end of the contract model in wireless.

The 98-pound weakling of the Big 4 wireless world has a sub-brand called GoSmartMobile.com. They're offering a $45 a month unlimited talk/text/high-speed web (5GBs a month) plan for smartphones.

You can even bring your own phone to this service, much like you would in the rest of the world. The reality is you can get a nice unlocked Android for around $150 if you shop around.

So GoSmartMobile.com basically offers a price match of what Straight Talk does for those who don't like the Wal-Mart affiliation that the latter has.

At the same time, T-Mobile itself is moving away from traditional contract plans. They offer you a payment plan on a fancy cell phone. So instead of giving a phone to you at a subsidized price, they require a down-payment of $99 and then you pay a monthly rental fee, plus whatever you have for your calling plan.

It sounds complicated, but it's not.

All of these moves have T-Mobile very publicly gunning to take over marketshare from AT&T. We'll see if they can do it...

Image of Clark Howard About the author: Clark Howard

Clark Howard is a consumer expert whose goal is to help you keep more of the money you make. His national radio show and website show you ways to put more money in your pocket, with advice you can trust. View More Articles

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