It is so true, contract is up on saturday, and my phone is getting slower and slower, its driving me crazy. When someone calls, 90% of the time I cannot answer because the phone is not going to the phone screen to let me pick up. If I am looking for traffic on the road, (of course I am the passenger) the app will not upload fast enough for me to see in time. My sound is gone 80% of the time, unless i squeeze the corners. I have cleaned the cache, no difference. What do I lose with a factory reset? Any background wallpaper seems to disappear after several days, I will have a picture then several days later I see lightening bolts instead. Occasionally my phone shuts off and restarts, which is did today. Never did do the update. It says it is updated but its not. And also occasionally is get HOT that I have to turn it off cause I'm afraid it'll catch on fire. Yes it gives me that hot warning. I wanted to wait another month to see how the new galaxy is but I don't know if my phone will keep me patient for that long. Might have to go to the I-Phone instead.