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14 THE APP SPECTRUM TECHNOLOGY FOR ON-THE-GO DEFAULT SERVICING PROFESSIONALS Signal ere is no shortage of messaging apps, but Signal offers a solid overall package for secure, convenient communications. Signal includes open- source peer-reviewed cryptographic protocols to keep your messages safe from prying eyes. It also uses your existing phone number and contacts, so it doesn't require a separate login or profile. Better yet, Signal allows you to make phone calls with no long distance charges. iOS, Android, free TickTick TickTick is a simple but flexible task manager and to-do list app that makes it easy to track deadlines and organize your time both at work and at home. TickTick allows you to personalize the app's features to meet your needs, and it easily syncs with the cloud. You can add tasks either by voice input or traditional typing, and it automatically sets reminders for the tasks you enter. TickTick also can integrate third-party calendars such as Google Calendar and Outlook. iOS, Android, free Qapital Qapital advertises itself as a "goal-focused" approach to checking and savings accounts that "makes smart money management effortless, motivating … even a little fun." at's a bold statement, but Qapital does aim to make saving easy. e app allows you to set a goal, then you can set different ways to save toward that goal—saving every time you swipe your card, saving a little on a weekly basis, or even when you come in under budget at the grocery store. Qapital also provides you with a debit card and an interest-bearing checking account. iOS, Android, free Files Go Files Go is designed to quickly and easily help you clear up space on your device. Files Go helps you find and remove duplicate files, clear out old photos from chat apps, clear your cache, and implement other space-saving tricks. Files Go also provides recommendations of files to clear out as you start running out of space, and makes it easy to transfer files to an SD card. You also can share files offline with other Files Go users who are nearby, back upfiles to the cloud, and organize your files in a smarter way. Android, free TapeACall Having an app in place for recording your phone calls can be hugely helpful, but it's often hard to find one that works reliably and provides the features you need. TapeACall makes it easy to record both incoming and outgoing calls on your mobile device, and it includes a year of unlimited recording. All you have to do is hit the record button, then TapeACall creates a three- way call that can be merged into a conference call that it records. TapeACall also integrates with apps such as Dropbox, Evernote, and Google Drive, making it easy to back up and store your recordings. iOS, Android, paid