Way too many of us have dealt with the financial and emotional costs of a lost, damaged, or stolen smart phone. In Episode #9, we'll tell you what you need to know about cell-phone insurance policies. We'll reveal what they cover, what they don't, and how to get the best deal if you take the plunge. Plus, do you always get the best price on Amazon? A simple trick for saving hundreds on auto insurance. How to really check your credit report for FREE—no hidden fees. And the best and safest sunscreens.