>>> The Motorola V195, ($39.99) is a good basic quad-band phone to take
>>> overseas to use with prepaid SIM cards. I bought one (unfortunately
>>> prior to the $25 promotion) and I had it unlocked by an unlocking
>>> service ($15).

Okeh.

>>
>> T-Mobile will unlock their phones at no charge if you've been a
>> customer in good standing for 90 days, and for pre-paid customers,
>> have added time within the past 30 days.

A T-Mobile customer in good standing can do this for you. I put my SIM
in your phone and call customer service. In 90 days, I can do it again.
Regards