My daughter and I are not having alot of problems after the ota, but would like to factory reset our phones. She is mostly worried about her music which she got from her I tunes. And I am worried about my pics and resetting up my k9 mail. If I remember right my contacts were saved with Verizon. What is the easiest way u have found to do this. The market saves your apps right? And u just have to put them back on?