Hi guys, Thanks for the response but allow me to explain my point of view. Here is how it stacks up from where I'm looking against the competition and I may be missing something so please weigh in
1- Virgin: Virgin charge $199 on Gold plan. Virgin Gold plan for 750 minutes & 750MB data is for $52/month and they charge $199 on Gold Plan. http://www.virginmobile.ca/en/phones/phone-details.html#!/galaxys5/Black//SP9 Koodo same plan charge is $45/month https://www.koodomobile.com/rate-plans?INTCMP=KMNew_NavMenu_Shop_Plans . So koodo is $7/month cheaper on plan. That translate into saving of $168 over 24 months. But they charge $199.99. So Virgin price on two year gold plan is $199.99+$168 ($7x24) = $367 Same with Koodo is $275+$360 = $635
2- Fido: Monthly plan of 750 minutes & 750Mb data charge is $60/month and they charge $200 upfront. Koodo same plan is $45/month. So Fido charge $15/month more. Accumulated to 24 months is $360. So price per Fido for S5 is $200+$360= $560 while Koodo costs $635
3- S World Electronics : $579 http://sworldele.com/mobile-phone/mobile/samsung/samsung-galaxy-s5-g900f-4g-lte-16gb-gold-smartphone...
4- Amazon has import versions for $499. TigerDirect is out of stock no price available.
I may be entirely missing something so please enlighten?