NEW YORK (AP) — IPhone users can now insure them against loss or accidents, but Consumer Reports says it isn’t worth it.

The AT&T authorized policy has a $12 monthly fee and a $199 deductible for the latest iPhone model.

Replacing a phone can be costly. Although the iPhone 4 costs $199 or $299 with a two-year contract with AT&T, customers would need to pay the full retail price of $599 or $699 to replace a phone in the middle of the contract.

Repairs aren’t cheap, either. One Apple retailer and repair shop in New York charges $149 to replace a cracked screen and $99 for a broken microphone or charging port.

But an insured owner who loses a phone after one year would have paid $144 in fees on top of the $199 deductible. T

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I stand the same point, like lots of crowds – small business grant will do you! But if you do not think so – here and now you will get more ins and tips why you have to deal with small business grant program, you will be given more strong arguments how to deal with small business grant program and why you have to deal with it by all means – just now! Grant program will emphasise on things you need and you have to endure it – in the end you will be rewarded.

Make sure there are many groups and communities which are able to help you. But first of all you have to decide yourself – do you need this help or not? You can apply and work with small business grant program yourself, you can make sure in it just now. I want yo

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