An increasing amount of people are saddled with debt with hardly a clue as to how to escape the vicious circle of accumulating more debt because they can’t afford to keep up ther repayments. It’s immensely frustrating and hugely disheartening for any person who’s just trying to take control of their finances but aren’t quite sure how to achieve that.

Fortunately there are ways to be educated in how to secure financial freedom. One such way is through the app: Life or Debt. It’s an app that’s mostly a series of video clips from Stacy W. Johnson, creator of the personal financial news series Money Talks. These clips educate users in under 2 hours just how to sort their financial life out through setting goals, developing spending plans, staying organized and cleaning up their credit history.

Users will be educated in how to keep track of how much they really earn and how much they owe, then work out a specific route for their needs. Much like a diet, Life or Debt won’t be a quick solution but it will ensure that users of the app truly understand how to never be in debt again.

Priced at $4.99 for a limited time only, it seems like a small price to pay for solving money woes.

$4.99

Life or Debt

iPhone App - Designed for the iPhone, compatible with the iPad
Released: 2011-06-10 :: Category: Education

Sharing expenses is often a touchy subject, even among friends. No one wants to pay too much, but they also want to make sure everything is split evenly. And this is exactly the kind of situation iOmoney was created to handle.

Originally a Palm OS and Pocket PC application, iOmoney has finally made its way on to the App Store. With it, users can track the expenses of their entire group and see exactly who owes what to whom with a couple of taps. If five friends (three singles and one couple) go on a trip together, each group transaction can be entered into the app for easy tracking. Along with basic costs, each bill can be marked as payed (or partially paid) by any individual in the group with debts calculated automatically. So if “Helen” picks up the check for dinner, iOmoney will be able to tell exactly how much each of the others owes her.

An example provided by the developer can be found here, but it’s not a necessity. iOmoney is pretty easy to figure out through a bit of experimentation. Tap to add, type in a few values, occasionally check the Debts & Balances tab to see how it’s all being split. Easy stuff.

iOmoney is available on the App Store right now in both a full ($4.99) and lite (Free) version. Anyone who finds themselves out with friends a lot would do well to try it out.

$1.99

iOmoney

iPhone App - Designed for the iPhone, compatible with the iPad
Released: 2011-07-20 :: Category: Finance

FREE!

iOmoneyLite

iPhone App - Designed for the iPhone, compatible with the iPad
Released: 2011-07-20 :: Category: Finance

Dodonpachi Resurrection – Dodonpachi might be hard to roll off the tongue, but the game play is very familiar. This is a flying shooter in the ever popular R-Type style. Your ship resides at the bottom of the screen and you blast everything reigning down on you from the top of the screen. Was R-Type to simple for your gaming masochistic pleasures? Try your hand at this sadistic bullet fest.
NOTE this app is designed for iPhone 3GS/iPhone 4/iPad/iTouch 3rd Gen.

$7.99

Dodonpachi Resurrection

iPhone App - Designed for the iPhone, compatible with the iPad
Released: 2010-08-26 :: Category: Games

Epic Citadel – That’s right, Epic’s little tech demo has made the list of apps you need to put on your iPhone/iPod/iPad. We saw a bit of this at the Apple press conference this week. This app does away with the battles, but gives you the castle to freely roam around in. Why you need this app: IT IS FRICKING GORGEOUS. There is no other game on the App Store than will blow your mind like this.

FREE!

Epic Citadel

+ Universal App - Designed for iPhone and iPad
Released: 2010-09-01 :: Category: Entertainment

The Settlers HD – The Settlers HD takes mid-evil strategy games and sexily throws it onto your iPad. Build a town, amass an army, and prove you have the bigger finger of doom. There is plenty to do and hours of play tucked away here. Any fan of strategy games should not pass this one by.

$4.99

The Settlers HD

iPad Only App - Designed for the iPad
Released: 2010-09-02 :: Category: Games

Fly Delta – What could be easier than checking into your flight while on your way to the airport? Delta has kicked out an app that will allow you to check-in to your flight, check the flight status, store your parking location, and even access your boarding pass. It is great to see airlines making use of the iPhone. This headache saving app is free.

FREE!

Fly Delta

iPhone App - Designed for the iPhone, compatible with the iPad
Released: 2010-09-01 :: Category: Travel

NASA App HD – The NASA app has finally made its way to the iPad. NASA App HD will allow you to see NASA videos, browse through thousands of images from NASA IOTD, APOD, and NASAImages.org. You can also have fun tracking the ISS and share your favorite stories on Facebook and Twitter. That iPad screen was destined to view these lovely images from space. The app is free for your enjoyment.

FREE!

NASA App HD

iPad Only App - Designed for the iPad
Released: 2010-09-01 :: Category: Education

We’ve been closely following the buzz surrounding Square, the latest tech startup from Jack Dorsey, Co-Founder and Chairman of Twitter and now it’s live worldwide with its app available on the App Store.

Square is an ingenious app and payment service that allows anyone from a single user to businesses to accept credit card payments anywhere using just an iPhone, iPod touch or iPad. Those who sign up to the free Square service available at Squareup.com will receive a free card reader that plugs into the audio jack of your device and allows for cards to be swiped. Card details can be entered into the app manually if no reader is present. Receipts and photo verification are included with the service so users are sure of secure transactions with signatures signed on the iPhone screen.

In an open letter on the Square website, Jack Dorsey said:
“Square intends to bring immediacy, transparency, and approachability to the financial world. We want to enable all people to accept payments instantly, with access to all the information they need, in a way that feels amazing and engaging.”

This service will come as a great benefit to smaller businesses or mobile vendors who no longer need to put complex payment systems into place to complete transactions on the road or in person. Square is also keen to point out that, while attractive to the business market, the service is ideal for personal use too and uses the example of a man selling a sofa to his friend using his iPhone and Square.

The environmental benefits of the service are also clear with no paper bills or receipts created from any transaction. Square also points out that it can inform businesses of its repeat customers meaning loyalty cards may be a thing of the past.

So what’s the catch for this free service? It seems there really isn’t one. By comparison to other payment services, Square is a very reasonable option with no contracts or monthly minimums. Square takes a small percentage of each transaction, currently 2.75% +15 ¢ with the card present and 3.5% +15¢ when the card number is keyed in. That’s it!

Of course, a service like Square may take a little time to grow but, if it’s as easy to use as is promised and continues to offer the environmental and financial benefits it does currently, we could likely see Square becoming the default payment service in stores around the world.

After all, it’s not like Mr Dorsey’s other company is doing badly right now.

Apple today reported their quarterly results — you can see the full PR here. The important thing to see is that they shipped 6.9 million iPhones in 1 quarter! Wow, that’s huge for a cell phone. This also means they shipped more phones with a single model and carrier than RIM did with multiple models and carriers for it’s Blackberry devices.

Very impressive.