I have used a Samsung d407 for two years now.  There are 2 major problems with this phone that make it a lousy phone.

1) There is no way to get the phone to display EITHER the address (contact) list in the phone OR the address list on the SIM card.  For safety reasons your contact list should always be stored on the SIM card so you still have it when the phone dies, but the phone requires that contacts be stored in the phone to assisgn graphics, alerts, ringtones, etc to different contacts. But, when you have contacts stored on the SIM card and you copy them to the phone so use the advanced settings...