What ho one and all,

I am a SmartPhone virgin! My current mobile is an old Nokia that makes and receives calls and text messages; that is all it does. All contact information is held in the phone memory and/or the SIM card.

I am thinking of getting a SmartPhone, probably a Nokia Lumia 830 (I know this is an oldie) with Windows Phone 8.1. Reading the user manual, am I correct in assuming that I have to open an MS account and all the contact information (names, phone numbers, etc) is held in an MS cloud? Does this mean that when I turn the phone on, if I want to make a call, I have to log-in to my MS account?

Thanks

Rex