presentazione e prime domande

hello to everyone Tsumy and again on this interesting forum. Explain it to my question: I live in Italy in Naples and I would attravero H3G make a top 400 with the adjacent galaxy s.Poi one day I stumbled across the vibrant and I found that Samsung is sold only through subscription t-mobile. I go on the site (provided that the effort to translate over there 'to not even know the policy of the operator, if it were reliable, etc. ..) and I find myself having to choose between two main options: INDIVIDUAL AND FAMILY each divided into 2-Year Subscription Subscription BUT WITH AND WITHOUT A MONTHLY FEE (this will not understand it: if not 'subscribe' cause you make me a monthly fee?) Now questions are asked:
1- if I make any subscription and take the samsung vibrant once I send it in Italy, I can use that card to call here in Italy? and if I do I climb the minutes included in the plan or do roaming?
2- Following on the end of a point, qualkuno I can give an explanation for the family with a subscription fee for 2 years a139.99 dollars a month? how does it work? I can take piu'schede and more 'mobile phones having also set a discount on the phone?
3- make payments by credit card or I can also choose the bank?
4- f you do not make a subscription that I read I could also buy the cell without a subscription, but when I choose me in the cart must choose a plan for what reason?
5- for subscribers in Italy we have the government tax in america there is such a duty or the cost of 'subscription corresponds to what I wrote without any additional costs?

please someone help me. thank you

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please help me