What would the insurance cost for an iPhone 4?

I want to get and iPhone 4-8 GB and I was wondering how expensive the insurance on it would be? And if its to expensive for me at the moment do you think it would be a horrible idea to go without insurance for a couple months? Or not have any insurance at all?

Effect of solar storms on gadgets?

Since yesterday, my car remote refused to work despite changing the batteries, the gate remote refused to work and no good reason could be found, my iPhone is suddenly not recognised by my PC and my car radio's clock will not be reset.

There was a major solar flare yesterday, and I was wondering if all these unexplained gadget crashes at once could have something to do with that, or if it was pure unluckyy coincidence?

How to delete local files on my iphone in spotify?

I started uploading local files from my computer's spotify to my iphone and it was taking hte same songs i have in itunes and putting them into spotify as well on my iphone, so it was taking up double the space, and now i don't know how to get rid of them. I know how to delete a playlist, but i can't delete local files because its default, and when i swipe a song there's no remove option.eventually i plan to upgrade to spofity premium, but for now i'd like to not have the same songs twice on my iphone. I canceled the spotify sync midway but there are still a bunch on there and its bothering me, is there a way to clear local files on my iphone, but leave them in the app on the computer? Sorry for the super long-a** question btw

Can ANY camera distort the face up close?

For example like the iPhone FRONT camera, it mega makes everyone face look weird?
Also can Video distort as well if not handled by a pro? Or a camera for that matter?

And how do pro photographers make everyone look good? Because when people take pictures by them selfs, its horrible. Thats why I'm going to a pro to get mine done.