As I posted before, I cannot get my Nokia Lumia 521 to do the update to 8.1. I bought an sd card and fixed things so that it doesn't seem that memory is the issue. I am wondering if I should do a factory reset. Would you recommend this? If so, what precautions do I need to take? I only have a few phone numbers on my phone I don't know by heart, so would write those down and I am bad about remembering my passwords for mircosoft, etc, so I would guess I should figure those out before resetting...but anything else I should know?