By Jim Karpen
Walmart and Straight Talk announced yesterday that beginning January 11 they'll be offering the iPhone as a no-contract phone with unlimited nationwide calling, data, and texting for $45 per month. Straight Talk is the nation's largest no-contract phone provider. That's a great rate, and certainly saves you money over the $70 per month plan from other carriers. But you have to pay the entire cost of the iPhone: $649 for a 16GB iPhone 5, and $449 for an 8GB iPhone 4.