T mobile or Verizon? Which one do I pick based on cost / contracts / network?

I have ATT now, my contract is up, I have an old iphone 4.It works perfectly fine. However my ATT bill is unacceptable ($129 per month and it fluctuates every month a little bit, even though i have unlimited texts and messages, and never exceed my data).

I was going to get the Galaxy S4 (just cause IIm bored of iOS).

Should I switch to Verizon or T mobile?

Verizon seems to have a much better network, It will probably cost me $95 a month (cause my company gets a discount of 15% or so), but will cost me more up front (about 150$ more). I will also be locked into a contract. Worst of all I won't be able to use my phone to surf the internet while talking which I do time to time.

Tmobile is cheaper (less money down today), probably cost me 90$ every month. But the network is not as good. However there's no contract.

Please advise!

I really can't decide: Tmobile or Verizon?

I live in Central Jersey (network for both seems reasonable here).

You need to catch up with modern times. Verizon 4G LTE smartphones nowadays DOES let you surf the internet and talk at the same time. I would recommend Verizon if you really want a faster internet, less dropped calls, and Really good coverage.

T-Mobile is garbage (which explains why the cost is so cheap). Coverage is horrible, calls drop a lot, you'll be on EDGE (2G) a lot. If you plan to get the S4, then there's a contract unless you plan to pay over $600 for your phone. Do your research next time and then ask a more efficient question. Hope this helped.

Definitely Verizon