[Bossman]

I know for a fact that those phones do not work with UM+ by direct dialing numbers stored on the phone. You have to go through the menu as the others said. Very Important! You will only see the dialing sub-menu under "servies" if you have not tried to direct dial first. If you have tried to direct dial first, you will only see the service menu, and you will have to power off/on the phone to see the sub-menus under services. Bottom line, any numbers stored on the sim will show up in the "phone book" menu under services and can be direct dialed from there. I posted my experience in the big UM+ thread. BTW, my phone is V195 (tmobile), but it's pretty much the same as V190s carried by cingular. Very cheap and simple quad-band phones. Except that with UM+ you can't direct-dial numbers stored on the phone.

AS for the PIN, you can ask the phone to not always ask for the SIM PIN. Go under security->SIM PIN and turn it on/off. It will ask for the current PIN for verification.