Expansys offers the Unlocked Microsoft Lumia 640 XL Dual-SIM 4G LTE Windows Phone 8 in Black, White, Orange, or Blue, model no. RM-1096, bundled with a Microsoft Office 365 Personal 1-Year Subscription for $199.99 with free shipping. That's the lowest total price we could find by $21. It features a 5.7" 1280x720 IPS touchscreen LCD, Qualcomm Snapdragon 400 1.2Ghz quad-core processor, 13-megapixel rear-facing camera with LED flash, 5-megapixel front camera, 1080p video capture, 8GB internal memory, 1GB RAM, Bluetooth 4.0, 802.11n wireless, 4G LTE connectivity, microSD card slot, up to 24 hours talk time, and Windows Phone 8.1 OS.
Note that this item will not ship until July 6.
Knowing what to expect in advance can help you prepare for -- and adjust to -- life in your golden years.