With such a vast selection of apps available to download, it's hard to decide what to choose, or even know everything that IS available.

So, I decided to research the top 5 Smart phone FREE apps that are really not being used...but should be!  These 5 apps are available for both iOS and Android.

Did you know a whopping 91% of us own some sort of cell phone?  Of that 91%, approximately 64% of us are using a Smart Phone. It's so convenient, isn't it?  We are virtually connected...anytime...anywhere.

Interesting statistics, but how is this relevant?  Because a lot of "On-Line" activity is being conducted via cell phone, that leaves us susceptible to cyber criminal activity on our cell phones as well as our computers.

They’re everywhere: in cars, shopping malls, and restaurants, even at family and professional sporting events.  They are so common place these days, I'm not sure I know anyone who doesn't own one...the "attached at the hip" CELL PHONE!!  Have you noticed, though, how often a wireless phone isn’t being used to actually talk to another person.

Unless you're a hermit, you are out and about every day, sometimes several time a day.  And each time you venture outdoors, whether it's to a meeting, the grocery store, a concert, sporting event, or on vacation, it's an occasion for something to happen to your mobile phone or the information in it.