Thanks for your reply. You are so right about the $42! I have to learn how to use a calculator! I did receive an email from NT rep that said I could even use all four PINs on one phone if I wanted to. The extra PINs would go into "reserve". Actually, it doesn't save any money compared to just going on the auto refill family plan for the two phones. NT gives $5 off / mo. on first phone and $10 on the second, bringing the monthly cost for the two unlimited plans down to $85/mo. I know NT limits ATT data to 1.5GB / mo. now but that is not a problem for me. Hard to find a better deal using ATT network. (Other than Straight Talk, but you can't get the ATT SIMs anymore).