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Losing your phone can be as bad as — if not worse — than losing your wallet nowadays. But unlike with your wallet, you may be able to locate your lost phone on a map and lock it remotely so no one else can access your information.
Apple's Find My iPhone app lets you pinpoint a lost phone, make it ring for two minutes (it's most likely buried in your couch somewhere), lock it with a pass code or remotely delete its contents altogether. The Android-compatible Where's My Droid application sports similar features as well.
Download links: Android | iPhone
See also: Seek Droid, Find My Phone