1) Order the Nokia 3650 from Amazon using this link.
2) Select the $19.99 mLife 45 Minute local plan
3) Mail-In $350 In Rebates ($300 if 1-Year Agreement) (AT&T Rebate, Amazon.com Rebate Page 1 Page 2)
4) Sell your Nokia 3650 on eBay
5) Purchase a SonyEricsson T226, Nokia 3590/3595 or any other inexpensive GSM phone that is unlocked on AT&T Wireless (again, search on eBay)
The difference should be around $240 – the pre-tax cost of one year of service from AT&T wireless.