Did you get a new phone for Christmas? After you set it up, the next step is to download the apps. The challenge is finding the cream-of-the-crop apps that truly take advantage of all that an iPhone or Android phone has to offer. I have put together a list of some of the best apps. You will find a bit of everything: top 10, news, finance, cloud storage, reading, photo editing, travel, etc. I use most of these apps so I can give you an insight from a user’s perspective.