Stuff Breaks. So says SquareTrade, the folks who offer an extended warranty for your iPhone and iPad, among other devices. It's true, and perhaps even more so with the abundance of glass on the iPhone 4. I have always kept my iPhone in a case, because, frankly, I'm clumsy and prone to dropping it. However, the new iPhone 4 is so slim and elegant that you might want to keep it unveiled. Case or no case, you should check out the SquareTrade offer. For $99 you get two years of coverage (or you can be billed $5.99/month). That represents a 20% limited time offer. You can transfer or cancel at any time and get a prorated rebate.