Mobile Apps - Free apps for Call, Text, Video

Here is a list of a few Android apps that allows the user to make free calls, text messages and perhaps even video. Feel free to add comments to let others know of similar apps.

These apps may require both parties to have the same apps:

• WhatsApp Messenger
• Skype
• Tango
• ooVoo 
• Zello Walkie-Talkie

These apps may not require the receiver to have the same apps:

• Viber - free texts and calls to other Kakao Talk users.
• Yuilop - require points
• Kakao Talk- free texts and calls to other Kakao Talk users.
• Nimbuzz - http://www.nimbuzzout.com/en/nimbuzzout/index.
• Free calls and texts to other Nimbuzz users
• Need to buy credits for calls to mobile and landline
• PC or tablet apps avaliable to use Nimbuzz

Manythings - turn your old mobile phone into security camera. Streams video onto the phone.

Travelling Money Tips

Notes on tips to be money wise when travelling.

28 Degrees MasterCard  http://www.28degreescard.com.au/
A new kind of MasterCard with no fees. Here's what it says about itself:
"No international transaction fees for globehoppers and globeshoppers.
28 Degrees MasterCard is the award winning Australian credit card that offers no annual fee, no currency conversion fees and no international transaction fees. Whether you’re travelling the world or shopping online, it always pays to have the 28 Degrees MasterCard."

Note however, that there may be no rewards program associated with this.


Receipts Management and Budget
https://docketbank.com/features/
This is what docketbank says about itself:
--------------------
DocketBank is a new and simpler way to stay in control of your finances.

With DocketBank you have a straightforward 24/7 solution that allows you to track your spending and easily store your receipts and warranties ... all while you quickly and simply work towards your budgeting goals.

We offer two versions of DocketBank - Free and Professional.
--------------------