I would NOT recommend the palm, my daughter had this phone and there were problems galore. The phone had to be replaced four times in a single year (thank God for insurance) because it was doing a "hot" sync in random places. Two of my kids have the Iphone, and absolutely love it. Daughter even has apps that connect her to her bank and she can keep track of her accounts anytime anywhere. The only problem that we've had so far is that they're so bloody fragile. One little bang and the screen is cracked. Since its completely touch screen, this presents a problem. It's EXPENSIVE to fix. Insurance does not cover this, although our ATT rep suggested adding it to our homeowners policy. But based upon all of the research I did, the if you're going to be spending that amount of money anyway, the Iphone is the way to go.

I don't need all of those bells and whistles, I have an LG that slides open to reveal a full keyboard (no clue which model). I'm pretty happy with it, it's bounced down the stairs a few times and still works great. The camera on it takes better pictures than my digital.

With ATT you have 30 days to change your mind. Son got a samsung he didn't really care for from Best Buy and they took it back no questions asked and refunded our money entirely. From the ATT store though they have a restocking fee of 20% for most phones, the Iphone had a specific amount which was slightly more than the 20%.