Let me answer one of your 2 questions, about frequencies. I've got no idea about Verizons policies and ruim card, so I'll pass that part of your post to others.
In Europe we use 900 Mhz and 1800 Mhz bands.
In the USA you use 850 and 1900 Mhz.
So to be able to receive all signals from all carriers all over the world, you'd need a 4-band phone. But on most places in Europe, you can receive both 900 and 1800, and on most places in the USA you can receive both 850 and 1900, offered by different carriers. So, in practice, you don't need all 4 bands, even when travelling a lot.
More in http://electronics.howstuffworks.com/cell-phone8.htm
ok so i understand about the whole ruim card for the cmda network for i think verizon and then you have to whole sim card for t mobile and cingular, but what i dont understand is wether or not verizon has allowed the RUIM and do unlocked phones not work with verizon or do they? i also dont understand the whole matching frequencys with the other country because i phone gives you like two-three different frequencies so if any one can explain this to me that would be a big help. please and thanks^_^