IMHO these are the top 5 free applications you can download for your Nokia E65, E61, N95 or any Symbian phone.
1. Google Maps - With a good data plan, you can know where you are in the world, how to get to your next destination, how far and how long that will take, what shops are nearby, where "New York" is in the US, what the top of your house looks like and all without the use of GPS!! (Now I know i made the right decision not to go with the N95). Read more here about Google Maps.
2. Gmail - Within 20 seconds, you can know what emails are waiting in your gmail (or in any POP3 account registered with your GMAIL account, see this link for more details). You can search for someone's address when they emailled it to you, check the time for an event, draft an email to someone (bluetooth keyboard wouldbe good for this), or just alleviate your boredom waiting for a bus, a friend, a meal to be served or just to overcome an awkward situation :) Read more here about Gmail
3. KJV Go Bible - Let's face it, with the Bible available online, on TV, at every hotel, school and prison in the world, you have no excuse come the day you die and face God that you never got the chance to receive the pardon for all your sins through Jesus Christ. There is now an application called Go Bible which you can install on your phone and even search for verses on a topic or using a certain word. If you ever forget your Bible when you go to Church, you probably wouldnt have forgotten to bring your phone.
4. Fring - Turn your mobile into a VOIP phone when you are at home or somewhere a free WIFI hotspot is available. Also you can log onto MSN without booting up your computer. Read more here about Fring.
5. YouTaggedMe - Got a message to proclaim to all the people you walk past? Try YouTaggedMe which brings bluejacking to a whole new level. The program sends to everyone with their bluetooth switched on a message from you as defined by you. This obviously can be used for good or evil. Don't be evil!
There are other programs which I thought are quite good but require registration and hence money, such as the XS2theworld travel series which provides simple phrases in another language, speaking on your behalf to a shocked host. If you find yourself in Bangkok wanting to say "too expensive", let your phone loudspeaker speak for you! Read more here . Then there is Handy Alarm, QuickOffice and many more... but if you have discovered a program which you absolutely love, please leave a comment to share with the rest of the class.
Also YouTube would have been on this list if it worked for me.. see this post for more.