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14 THE APP SPECTRUM TECHNOLOGY FOR ON-THE-GO DEFAULT SERVICING PROFESSIONALS TapTalk A personal messaging app that is the fastest way to exchange photo and video messages, with TapTalk you can arrange your family and friend icons in a grid-like layout and simply tap an icon to send that person a photo. To send a video, simply tap that person's icon, hold, and release. When someone sends you a photo or video using the TapTalk app, it is personal–you know it was created just for you in the moment with no filters or retakes. (Free, iOS, Android) Hipmunk Plan your travels with Hipmunk by instantly searching through thousands of travel websites instantly to find the best deals on flights, hotels, and car rentals. With Hipmunk, you can easily compare prices for flight providers and more than 1.2 million hotels and vacation rentals. Flight results shown include layover and duration in a visual chart, and use heatmaps to find accommodations close to shopping and nightlife. You can save up to 60 percent on a hotel through a mobile app-only deal. (Free, iOS, Android) Level Money Level Money acts like a "financial GPS"–it takes you from where you are to where you want to be financially. Taking into account your income, spending habits, and how much you're trying to save, Level Money always lets you know what is safely spendable on any given day, and it gives you simple, real-time updates of your purchases. e app is linked to your bank account and your purchases are automatically updated, meaning you will never have to manually input anything. (Free, iOS, Android) Venmo With Venmo, you can use your smartphone to instantly pay your friends or anyone to whom you owe money, making it easy to split a restaurant check or any other bill you are trying to divide up. Venmo links to your bank account or debit card in seconds using a secure encryption and Verisgn certification. Once you receive an instant payment from someone using Venmo, you can transfer it to your bank account in just one business day. (Free, iOS, Android) OneDrive With OneDrive, you can keep all of your files, photos, documents, and videos in "one drive." A free version of OneDrive provides 15 GB of space, or upgrade to 100 GB for $1.99 a month of 200 GB for $3.99 a month. You can synchronize your files across all your devices and access them from anywhere or anytime from your phone, tablet, or computer. e app's powerful search capabilities allow you to find your files quickly and easily. (Free with premium upgrades available, iOS, Android, Windows Phone, Web)