No thanks Apple

A few weeks ago, I busted my Samsung Galaxy S-III pretty good. Without an insurance policy and being only 10-months into my 2-year contract with Verizon, replacement options were limited to buying a) a brand new phone through Verizon (approx $499+), b) a refurbished phone through Verizon (approx $249+) or c) a used/refurbished phone through…