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Today, T-Mobile announced the availability of the T-Mobile Concord, their most affordable Android smartphone with no annual contract.

The $99 T-Mobile Concord (tech specs), manufactured by ZTE, is powered by Android 2.3 and features a 3.5-inch capacitive touchscreen display with a 2-megapixel camera – with no contract requirements.

Some claim the Concord is not a 4G-enabled device, but Broadcom says the Concord phone has a 7.2/5.8Mbps HSPA modem.

The T-Mobile Concord works for basic Web surfing, searching for a location via Google Maps or accessing social networking sites.

It’s expected to be available at Target starting August 26 for $99.99 with a qualifying Monthly4G plan.

The T-Mobile Concord is also currently available at Walmart and costs $99.98 paired with a Walmart Family Mobile no annual contract plan which runs $45/month.

Three of the four major carriers offer LTE, but it will cost you $80-$90/month for basic voice and data service.

LTE service is mostly available in urban centers, and not in rural regions.

T-Mobile and Clear promise LTE service beginning in the middle of 2013.

Long Term Evolution is the future because data payloads can be delivered cheaper (and faster). LTE also allows spectrum aggregation, among other things.

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