Hello, I have been debating for hours, or 2 weeks now... I'd love to get my cell phone bill lower but at what cost? I pay 87.28 on Verizon. 450 minutes (occasionally go over) 1000 texts, (never go over 350) and Yes, UNLIMITED 4G LTE DATA (regularly use 13-35 gbs a month, occasionally go over 50, but I could but never use my home wifi....) My Verizon speeds in Minneapolis on average are 17-26mbs 4g. Sometimes going over 35. I stream video and use Paid Foxfi app to Hotspot unlimited data as well. I own my HTC one m7 and do not have insurance, can't get a new phone for the upgrade price at Verizon as I would then have to renew and lose unlimited data I pay $29.99 for, 2gbs now cost $30!!!! The phone lags horribly even after multiple factory resets and the camera can't focus unless in macro mode and within 7 inches of objects. Don't know why. I all but signed the dotted line in the Sprint store 2 weeks ago because I found out you can not buy the phone outright on their new half price promotional. My bill would not be cut in half as I would have to lease or finance the new phone through them. I was thinking of getting the galaxy s5 so I could root and pop a hot spot and I like the ifared too. If I switch my bill would still be under $ 69. Compared to 87. My Co workers in Minneapolis average 10-16mbs on sprint4g . Is it worth saving $18 a month to have unlimited talk text and data on sprint and getting a phone that works right with a good camera? Or purchase a good 4G phone that can hot spot on Verizon (rooted or not). Other ideas? Phone recommendations? Suggested insurance \warranty programs if i purchase a slightly used phone?