Good Morning All! I am new to the forum and am an iPhone 4 user. I can use all the help I can get as I am only somewhat familiar with the capabilities of my device. I know that I am not utilizing it to it's full capabilities but I am hoping that after I get to know some of you that will change. I am a mom, a wife and as of recently, have become unemployed because of layoffs. I need all the help I can get to manage my budgets, maximize my money and utilize organizational skills to get my house in order. Oh, yeah and find a new job too. That's just as important! Thanks All!