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Insurance, tracking apps and cloud backup are good cellphone calls

Maybe you're ready for a new cellphone. Maybe you're not. The time to decide that is when you are able to mull over the pros and cons, not when you are getting ready for a trip and you realize yours is missing. Trouble takes time, and time is money, so avoiding trouble is like money in the bank. Here's how I saved myself some trouble. It started this way: "Honey, have you seen my cellphone?" Perhaps you ask that question several times a week as you plumb the depths of the couch cushions and check the freezer, just in case. My phone had been missing in action for a day or two. That's usually not a problem. I (obviously) don't have cell separation...

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