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6 THE APP SPECTRUM TECHNOLOGY FOR ON-THE-GO DEFAULT SERVICING PROFESSIONALS HelloSign HelloSign takes the hassle out of contracts by enabling you to sign them electroni- cally, and every document signed through HelloSign is legally binding. Your signed contracts are organized inside the secure HelloSign system, meaning you don't need to waste time or space storing physical documents. Simply create the agreement, send it out for the necessary signatures, and file it away for future ref- erence. HelloSign is free for limited use, and upgraded plans start at $13 a month. Only the user creating and sending documents is charged this monthly fee. ose receiving contracts are not required to pay anything, nor do they have to create their own account in order to sign them. Android, iOS, paid Toggl Toggl is a time-tracker app that you'll actually use. It isn't limited by device and works on your computer, tablet, and phone, so no matter where or what you're working on, your hours are being tracked. When you've completed a task, take a look at the detailed report. Toggl crunches the numbers and shows you how your time was spent. You just have to analyze its findings and adjust the way you work in the future to be more productive. If you're a freelancer, a tool like this is man- datory. How else will you accurately bill clients? Even those who work a salaried position will find Toggl useful, however. After all, to become more productive, it helps to first know how you're really spending your time. Toggl is free to use, though premium features start at $9 a month per user. Android, iOS, free and paid Wave Wave is an accounting software platform designed for small businesses, inde- pendent contractors, and sole proprietors with nine or fewer employees. Wave lets you track sales and expenses, manage invoices and customer payments, pay employees, scan receipts, and generate accounting reports. e company also offers free personal finance software to help small-business owners manage their finances in one place. You can setup Wave for free, but different packages can cost up to $30 per month. Android, iOS, free and paid WeChat e free app packs a big punch. It originated in China and already has more than half a billion users. WeChat offers free voice and video calls to anywhere in the world, the ability to send short audio messages (or videos, images, and text) on the fly, and translation into 20 different languages, which can be really helpful for international travelers who can playback messages of destinations to taxi drivers in the right language. iOS, free Zapier Zapier allows users to create integration and automation between apps that wouldn't normally communicate with each other. For example, a new email received in Gmail can be set to automatically save any attachments to a Dropbox folder and alert you via Slack. All these integrations can be built with just a few clicks of your mouse, no coding required. Select your business software of choice, and start building customized workflows. You'll save hours every week and become much more productive when you let Zapier handle monotonous tasks such as data-entry for you. After a 14-day free trial, plans start at $20 a month, depending on the features you want. Android, iOS, paid