Every Law Firm Needs A Good Matter Closing Checklist

Posted on March 23, 2021November 19, 2024 by Devon

And here’s a sample checklist to get you started.

When we close a matter, both our attorney malpractice insurance, and our state bar ethics rules, expect a lot of us! It’s not as simple as saying a friendly goodbye to the client and moving on with life. Instead, we have obligations that include formal disengagement or matter closing letters, returning funds held in trust, and more.

A basic matter closing checklist can, and has, saved firms thousands of dollars and more in insurance premiums, avoided bar complaints, and avoided malpractice claims.

Having a simple way to track these obligations, including what steps are involved in a matter closing, who’s responsible for each step, and what’s been done versus what remains to be done, can be complicated. And as attorneys, we don’t have time for complicated. So at Skepsis, we recommend streamlining this process with a simple checklist. With a checklist, you and your staff simply work through checking off boxes anytime you close a matter, to ensure that none of the critical matter closing steps fall through the cracks. A basic matter closing checklist can, and has, saved firms thousands of dollars and more in insurance premiums, avoided bar complaints, and avoided malpractice claims.

Here’s a sample matter closing checklist to get you started.

Skepsis Tech’s Sample Matter Closing Checklist.

Change the matter to “Pending” in your practice management software.
Confirm any settlement or other funds due from third parties are fully paid, and have cleared the bank.
Confirm the case is closed on the court’s docket. If not, file dismissals or other paperwork necessary to close it.
Confirm the firm has no original documents, and if it does, return them to the client.
Email the matter closing letter to the client.
- Notes: Be sure to include critical matter closing information, including clear statements that “we will perform no further work on your behalf,” and “we do not have any original documents to return to you.” Also include a polite note that: (1) they will be receiving their final bill shortly, and per their fee agreement, payment is due within X days; and (2) once their final bill is paid, we’ll perform a final accounting of funds in trust and any remaining trust funds will be returned to them at that time.
- Pro Tip: We expect we’ll post a sample Matter Closing Letter soon, so be sure to sign up for our mailing list to be notified when that’s posted.
Generate and issue final invoice to client.
Client pays final invoice.
Generate a “post-final” invoice to catch any WIP/EIP that didn’ make it into the final invoice. Apply a credit note to the invoice to zero out the client’s account.
- WIP stands for work in progress, and EIP stands for expenses in progress. This is just shorthand for time and expenses entered, but not billed out to the client.
Change the matter to non-billable so that no more billable entries find their way into the system.
Perform a final accounting of client trust funds, and return any funds remaining in trust to the client.
Confirm the return of client trust funds clears (ie, that the client cashed the check).
Change the case status to “Closed” in your practice management system.

For more time-saving simplicity, turn your checklist into a workflow.

A matter closing checklist is a great start, but when closing a client file involves multiple staff members, passing around a checklist isn’t particularly efficient. Save yourself time and headaches by turning your checklist into a workflow in your practice management software.

Not all practice management software supports this feature, but some of the most popular do. For instructions on how to create a workflow in Clio Manage, click here. For Practice Panther, click here.

Skepsis Tech’s Consulting Services Save Law Firms Time, Money, and Malpractice Claims.

Skepsis Tech works with law firms to develop matter closing and other processes that save time and increase profits, and also protect our clients’ licenses to practice law. If you’d like to learn more about what Skepsis Tech can do for your firm, don’t hesitate to book a discovery consultation today.

Choosing the Right Credit Card For Your Law Firm

Posted on March 18, 2021November 19, 2024 by Devon

Your business credit card should be a profit center, not an expense

A few weeks ago, we wrote about how credit cards are a key tool for any financially healthy law firm. But with so many options for credits cards out there, how does a firm know which card to choose? Today, we’re reviewing some of the most popular that we’ve had up close and personal experience with.

The Capital One Spark Card

Spark: This one is my current favorite because the cash back (2% on everything) is good, it’s super easy to manage users online, and in my experience it’s easy to connect to a real person. I find they handle issues quickly and easily without obscene wait times (even during COVID) or god-awful phone menus. Their app is good, with useful tools to manage charges and spending, and their fraud screens are quite good without being overzealous, blocking legitimate transactions. All of my businesses, and about half my clients, are satisfied with this card. At 17%, the interest rate isn’t great, but it could be worse, making it a good fit for law firms who can pay the balance in full monthly.

The Citibank Costco Visa

Costco: Although not as easy to work with as Spark when it comes to support and getting real humans on the phone, they’re also not the worst. The rate is decent at roughly 15%, BUT, the cash back percentages are only above average (although Costco gas earns up to 4%) when you’re making purchases at Costco. Many law firms use the Costco Citi card for Costco purchases and use another card for purchases elsewhere.

The Amazon Signature Visa

Amazon Signature Visa: This one is great for Amazon purchases, but again, for those other, everyday purchases, it’s lackluster. It’s a Chase card (see warning below), which is not a bonus at all. The interest rate is between 15% and 23%, so there’s interest advantage, but be warned. It’s actually higher. The fine print says if you don’t pay off your entire balance, they charge you interest on ALL your purchases, even the new purchases since your last statement, which is very different from most other cards. Not cool.

Chase Ink Cards

And another word of warning about Chase: I’m not a fan of the Chase Ink card because the cash back isn’t great (1.5%), and Chase is a beast to deal with when issues arise. I’m actually not even sure they actually employ humans. Their interest rate is a ridiculous 30% for many of our clients. Consider abandoning that card, and going with Spark instead (full disclosure: affiliate link. It’s that good.)

Wells Fargo Credit Cards

Wells Fargo: They offer some cards with decent rewards, so if you do your research on these, you might find a gem that works for you. But, like Chase, they don’t seem to employ actual humans, so if a problem ever comes up, don’t count on being able to get a hold of someone knowledgeable who can help you.

Alaska Airlines Visa

Alaska Visa: This one is popular for firms based in the Seattle area, where Alaska Airlines’ main hub is. So depending on your flight habits, this might be a great choice for you. But, it’s a Bank of America card, and like the other big banks, humans are hard to come by when help is needed. What’s more, when you do get a human on the line, our experience with Bank of America is that they’re far less willing to offer one-time fee waivers and other courtesy concessions than other banks.

How To Sort It All Out?

Got questions about credit for your law firm? We’re here to help. Just schedule a call and we can help you on your way to that perfect world where credit cards save your firm time, money, and headache, rather than generating chaos, cashflow problems, and extra expense.

Practical Tips for Assembling and Managing a Successful Remote Legal Staff Team

Posted on December 2, 2019December 2, 2019 by Devon

More and more small law firms are opting to put together a team of remote staff. Studies are showing that companies built around remote workers experience less turnover, because the workers are happier and more productive than those who sit in an office. However, while there are clear advantages, assembling and managing remote team members also comes with its challenges. If you’re looking to build a remote legal staff team, here are some practical tips to keep in mind:

Compare Freelance and Employment

One of the first things you want to do when assembling your legal staff is to decide between hiring freelancers or employees. Freelancers and employees share many similarities, but there are also several differences to consider. Hiring a freelancer can be less expensive, provide a sense of flexibility, and require less paperwork. However, they typically work for several law firms at once, so they may not always be available at a moment’s notice. On the other hand, employees work primarily for your law firm. They are likely to commit to your firm at a higher level, invest more in the firm’s culture, and build stronger relationships with team members. Evaluate what your law firm needs the most so that you can make the best decision.

Regardless of whether you choose to build your law firm around freelancers or employees, you need to understand essential employment laws. For instance, do your research and become well-versed in employment tax, workers’ compensation, the Family Medical Leave Act, the Equal Pay Act, and the Americans with Disabilities Act. Doing so may help you prevent an unnecessary lawsuit or other legal issues.

Stress Communication

Communication is key in any business setting, and it can get tricky when your team members are in different cities or countries. Also, it’s easier to ignore an email than it is to tell your boss that you’re skipping the staff meeting in the next room. Before you hire anyone, stress the importance of communication, make it clear when everyone should be accessible to talk, and schedule regular virtual team meetings and/or phone calls to keep everyone on the same page.

Rely on Technology

Embrace technology to foster better interaction and communication. Look into apps like Slack so staff can enjoy water cooler moments or stay in quick contact, and transcription services to ensure all meeting notes are recorded and readily available. This also establishes a safety net so people can easily refer to notes and conversations 24/7.

Keep it Brief

When you have meetings or phone calls, keep them as brief as possible. Particularly when you’re managing a remote legal staff, taking too long to make your points or present your goals wastes valuable time. Be well prepared and concise with all correpondence—whether it’s through email, in a group meeting, over a phone call, or any other form of communication.

Foster Cohesion

Cohesion is another vital element, and it can be challenging to develop and maintain cohesion when your legal team includes remote staff. Start by introducing team members to one another each time a new staff member comes on board; when relationships develop and team members know how to share a laugh, it can improve productivity exponentially. Also, provide team members with important internal communication tools so they can talk and work together regularly.

Show Team Members That You Trust Them

Finally, nothing can breed discontent in a team more quickly than implying that you mistrust your staff. If you don’t trust that a potential staff member will produce the work you need them to, you shouldn’t hire them. While you may need to give specific instructions on projects and tasks, make it clear that you trust the abilities and intentions of each team member. Don’t micromanage every time you give an assignment.

If you want your remote legal staff to help grow your business, it’s important to come at it with the right approach. Make you sure you understand whether you need freelancers or employees, and become familiar with the various employment laws. Create reasonable communication guidelines, and keep communication times concise and effective. Lastly, take the necessary steps to develop and maintain cohesion within your team, and make it clear that you trust your team members.

Photo Credit: Pexels

Devon Thurtle Anderson Named Top Attorney for Eighth Year In A Row

Posted on June 16, 2019June 16, 2019 by Devon

At Skepsis, you may know that we provide superior bookkeeping, virtual assistant, and software consulting services for attorneys. But what you may not know is how we gained our expertise helping law firms. The answer is simple: Skepsis CEO, Devon Thurtle Anderson, is widely recognized as a top attorney. Today, we are pleased to announce that, for the eighth year in a row, Devon has been named a top attorney by Super Lawyers. After a rigorous nomination and research process, Devon is recognized as one of the top 2.5% of attorneys under 40 in Washington State.

Devon M. Thurtle Anderson

Rated by Super Lawyers

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Super Lawyers selects attorneys using a patented multiphase selection process. The process includes peer nominations and evaluations, along with independent research. Super Lawyers evaluates each candidate on 12 indicators of peer recognition and professional achievement. Selections are made on an annual, state-by-state basis. The objective is to create a credible, comprehensive, and diverse listing of outstanding attorneys that can be used as a resource for attorneys and consumers searching for legal counsel.

Devon’s legal practice focuses on business law. At Skepsis, Devon uses her firm management expertise to help law firms make their practices more effective, efficient, and profitable through strategic use of outsourced bookkeeping and admin help, and cloud-based practice management solutions. Devon also assists law firms with trust accounting, including audits and compliance. For more information, or to schedule a meeting, contact Devon today.

Simple Document Automation with Clio

Posted on April 12, 2019April 12, 2019 by Devon

One great feature about Clio – but often underutilized – is Clio’s simple and easy document automation process. This article will show you, step-by-step, how to do simple and easy document automation in Clio. I highly recommend you open up Clio and walk through this tutorial yourself in real-time. If you don’t already have a Clio account, you can register for a free trial here.

Step 1: Figure Out What Custom Data (“Fields”) You’ll Be Using.

First, you’ll need to understand what data you plan to use in your document. A piece of data is called a “field,” and you fill in “fields” every time you create a new matter or contact; all that information you enter into Clio becomes a field. Frequently used fields include client names, client addresses, matter numbers, and the like. It can also include insurance claim numbers, bail bond amounts, spouse’s names, and more. To see what fields already exist in your Clio database, go to Settings > Documents. You can view the complete list of available fields there.

Documents for checking list of template fields” width=”720″ height=”479″>

Now, compare that list to the custom data you’ll need for your document automation. Use Ctrl + F (Windows) or Command + F (Mac) to search the list for any fields you plan to use. If they’re all there, you can skip Step 2. But, if you need any custom fields, make those in Step 2.

Step 2: Set Up Clio Custom Fields.

Custom fields are one of the tools that make Clio’s document automation extremely powerful. You can automatically drop any data you like into a Clio-generated document. If the data isn’t already in your fields list (which we checked in Step 1 above) – such as an executor or personal representative – you’ll create a custom field. For each custom field that you’ll need, do the following.

In Clio, click Settings > Custom Fields:

Now, click the green “Add” button in the upper right.

Enter the name of your custom field, and the type of information that will go there. For example, if you are adding the field Personal Representative, the “Type” will be “Contact Select,” because you’ll be selecting the Personal Representative from your Clio contacts.

There are a few additional options:

Default: Use this if you want this field to appear in every new matter you create.
Required: Use this if you also want it to be required for every matter. Note that, if you check this box, you should also check “Default,” or else you may get errors when trying to create matters.

Repeat this step for each custom field you’ll need.

Step 3: Prepare Your Document Template.

Now that we have all the custom data we’ll need, it’s time to prepare our template. To do this, go back to your list of document fields in Settings > Documents. Keep that window open.

Now, move into Word (or Excel or PowerPoint for the appropriate document type), and open the document that will be your template. Type out your letter, cover sheet, contact form, or whatever the particular document is.

Now, click back to Clio. Find the field you want to insert, and click the little clipboard icon next to it to copy that field to your computer’s clipboard. Pro tip: Having trouble finding the filed you need in that long list? In Clio, type Ctrl + F (Windows) or Command + F (Mac) to search the list.

Go back to your Word doc. Place your cursor where you want the field data to appear in your letter, and click Ctrl + V (Windows) or Command + V (Mac) to paste the field’s placeholder.

Repeat this process for each piece of custom information in your document.

Now, save your document as a Word document (.doc or .docx – do not save as a template, .dot or .dotx).

Step 4: Upload Your Template To Clio

Once you’ve inserted all your form fields using the process above, upload the doc back to Clio. To do this, click back over to Clio, and click Documents > Templates. Then click the green “Add” button.

Choose your file, and select your document category. Click Save.

You document is ready for future use!

Step 5: Automatically Generate Custom Documents In Clio!

Despite the number of steps above, when you walk through it, you’ll find that the document preparation process is pretty efficient, and goes pretty quickly. Which is good, because it means it won’t be long until you’re using your custom documents. To do so:

Click Documents > Clio. Click the little arrow next to “New,” and click “Document from template.”

Select your template, matter, and output format (PDF, Word, or both). Click “Create.”

When the document is ready, Clio will tell you to refresh your browser. You can do that, but it’s usually easier to go straight to the matter for which you just generated the document. To go straight there, type the first few letters/numbers of the matter number into the search box at the top, then click the matter when it appears.

In the matter, click Documents > Clio. Click the folder that matches the document category you selected above.

Click the name of the document to download a copy and review or edit. Or, if it’s ready to go, click “Share” to send the document straight to the client via Clio’s secure portal, or by email.

How do you use document automation in Clio? Engagement letters, wills, powers of attorney, corporate resolutions, articles of incorporation, operating agreements, contracts, licenses…. Pretty much anything you re-generate based on old documents is a great candidate for document automation in Clio.

Want to give Clio a free spin? Get your free trial account here.

Beating Analysis Paralysis: How To Choose New Software & Services For Your Firm

Posted on February 26, 2019February 26, 2019 by Devon

A lot of my bookkeeping clients come to me for advice about software and services for their firm. “Can I afford it?” they ask me. “Is it worth the cost?” I’m always happy to help my bookkeeping clients figure this out, and happy to share my analysis and advice here, because you can take the same analysis and apply it to your firm, too. And it’s a pretty simple process:

What’s one hour of your time worth? For most attorneys, this is your hourly rate. But, if you’re an overworked partner or solo, be sure to also factor in the value of getting home to your family an hour earlier each night; that may be worth even more than your hourly rate.
What does the proposed software/service/tool cost? If there are different options for pricing plans, be sure to consider all of your options, and have the pricing plans and different features handy so you can compare.
How much time would the proposed software/service/tool save you? How much time do you expect to save with this tool? How much *more* time would you save if you upgraded to the mid-tier, or top-tier, plan?
If time > cost, then invest. Now, run the numbers. If the value of your time saved is greater than the cost of the software, that’s a good investment for your firm and your sanity. If the cost is greater than the time you could save, you should keep looking for other solutions.

With this simple analysis, you’ll be able to make informed decisions about all kinds of firm matters. Let’s put it into action by walking through an example.

Example: Is Clio Manage Worth It?

Let’s assume your solo law firm is evaluating Clio Manage. You’ve heard it’s a great tool for managing a busy caseload, and you’ve looked into some of the features and contacted Skepsis for a demo. But, you’re hesitant to add one more monthly expense, and even if you did, how would you know which plan is right for you? So you ask: Is Clio Manage worth it?

Step 1: What’s One Hour Of Your Time Worth? Let’s assume you typically bill $350/hour. Sure, some of that may be contingency fees, so it’s not an exact science, but even on con fees you hope to make at least $350/hour at the end of the case. So, one hour of your time is worth $350.

Step 2: What Does Clio Manage Cost? For your solo firm, the Starter plan will be $39/month. The Boutique plan is $59/month, and the Elite plan is $99/month. Each one has different features, with the Boutique plan adding integrations to Dropbox, your calendar, and your bookkeeping software, as well as contingency fee billing, trust accounting, and document automation. The Elite plan adds origination reports, court calendaring, and instant on-demand chat support.

Step 3 & 4: How Much Time Would Clio Manage Save You, And Does That Cost Exceed The Time Savings? I confess, I like to combine Steps 3 and 4 because it usually makes for an easier analysis. Here’s how to think about it:

In this case, we start by examining the Starter plan at $39/month. $39 divided by the value of your time – $350/hour – is 0.11 hours. Convert that to minutes (here’s a handy tool you can use), and you get 7 minutes. Will the Starter plan save you at least 7 minutes each month? I haven’t yet met an attorney who can honestly answer that question in the negative. Unless you’re a true technophobe (which I confess some attorneys are), and the learning curve of almost any software is just too steep for you, then the ease of tracking time and issuing bills alone will save well over 7 minutes.

But maybe we need the Boutique plan? Well, let’s take a look: Ad $59/month, that plan is an additional $20/month. $20 divided by $350/hour = .06 hours, or 4 minutes. So, do the additional features of the Boutique plan save you an extra 4 minutes each month? If you do con fees, then there’s no question you’ll reap the benefits of the Boutique plan, because you’ll get built-in contingent fee billing. If you like storing documents locally on your computer – in Dropbox, OneDrive, Google Drive, or the like, and you don’t want to have to download your documents each time you open them, then re-upload them when you’re done – then again, there’s pretty much no question that you’ll increase profits and free time by upgrading. Or, if the calendar integration will make schedule management a breeze for you, and save you more than 4 minutes each month, then definitely spring for the Boutique plan.

But what about the Elite plan? That’s an additional $50/month over the Boutique plan. $50 divided by $350/hour = .14 hours, or 8 minutes. Can we save 8 minutes/month with the Boutique plan? In our hypothetical, you’re a solo, so the origination reporting won’t save you 8 minutes each month, so it’s not worth it just for that. But, if you don’t enjoy learning new software, then that magic little “instant help chat” feature of the Elite plan really is likely to save you 8 minutes each month, so the Elite plan is great for you, and you can always downgrade after the first year, when you’ve learned the software. Or, maybe you don’t have a foolproof court calendaring system in place, and that auto-calendaring will save you 8 minutes in rules research and calendaring time each month. All you have to do to break even is free up 8 minutes each month! Any time beyond those 8 minutes – that’s 24 seconds per work day, by the way – that you’re able to free up is profit in your pocket. So, this solo chose the Elite plan.

Make Sound Financial Decisions For Your Firm.

This analysis is informative not only for solos, but for all kinds of small and medium firms; simply adjust the values accordingly. Maybe the decision is whether to hire a bookkeeper, and doing so would free up your assistant’s time; what’s that worth? Or maybe the decision is whether to hire another attorney, which would allow you to make it home by dinnertime each night. Whatever the decision, remember: your firm is a business. Approach your firm business decisions from a business perspective.

Devon Thurtle Anderson Named Top Attorney By Super Lawyers

Posted on June 9, 2017June 9, 2017 by Devon

We are pleased to announce that Skepsis’ own Law Firm Specialist, Devon Thurtle Anderson, has been named a top Washington attorney by Super Lawyers magazine. This is the sixth year in a row that Devon has been named as a Rising Star by Super Lawyers magazine, and recognized as one of the top 2.5% of attorneys under 40 in the state.

Super Lawyers selects attorneys using a patented multiphase selection process. The process includes peer nominations and evaluations, along with independent research. Each candidate is evaluated on 12 indicators of peer recognition and professional achievement. Selections are made on an annual, state-by-state basis. The objective is to create a credible, comprehensive, and diverse listing of outstanding attorneys that can be used as a resource for attorneys and consumers searching for legal counsel.

At Skepsis, Devon helps law firms make their practices more effective, efficient, and profitable through strategic use of cloud-based practice management solutions. Devon also assists law firms with trust accounting, including audits and compliance. For more information, or to schedule a meeting, contact Devon today.

Reconciling Client Trust Accounts In Clio

Posted on November 22, 2016February 4, 2019 by Devon

Performing an ethics-compliant, three-way trust accounting reconciliation in Clio is easy when done correctly.

Step 1: Ensure Your Individual Clio Trust Balances Match Your Bank Statement

First, make sure you’ve received your bank statement for the month. Reconciling with Clio works best when you receive a paper or PDF bank statement, rather than a download of transaction listings. Using the actual bank statement, it is easier to compare balances.

Print a Trust Listing Report. In Clio, select the tab for Reports, then click Trust Listing. Settings for the report should be as follows:

Uncheck “Show clients with zero balance”
Select the button for “All Clients”
Select Practice Area: All
Select Date Range: Custom: Leave the start date blank, and set the end date as the date of your statement
Output Format: CSV
Click “Generate Report”

The report will automatically download, and you can typically find it in your downloads folder. Move it to your trust reconciliation file, and save it there. Now open it.

If you have more than one trust account, you’ll have to delete all the other trust accounts from this report, so that only the trust balances for the account you’re reconciling remain. If you don’t have more than one trust account, skip this paragraph. To do this, sort Column B (the Account column) A > Z. (Place your cursor in Column B; click the Data tab; and click the button.) Delete all lines in the spreadsheet that contain any account other than the one currently being reconciled. Do you agree with me that it would be nice if Clio’s report feature would let us select a certain account so we don’t have to do this deletion step? Please email them and let them know.

In Cell E1, enter the following formula: =SUM(D:D) Hit enter. The number Excel spits out in the cell should equal the Ending Balance on your bank statement. When it does, the first of your three reconciliations is complete.

Step 2: Ensure Your Bank Account Activity Report Matches Your Bank Statement.

Print a Bank Account Activity Report. In Clio, select the tab for Reports, then click Bank Account Activity. Prepare your report with the following settings:

Trust Accounts: Select “Specific Account,” and choose the correct account
Select Practice Area: All
Select Date Range: Last Month (unless your bank statement doesn’t run with the calendar month, in which you’ll select “Custom” and enter the same dates as your bank statement)
Check the box for “Include Opening Balance”
Do not check the box for “Display Matter to Matter Transfer Transactions”
Output Format: PDF

Click “Generate Report” to download it, move it to your reconciliations folder, and open it. Ensure that the opening balance matches the opening balance on your bank statement. Ensure the closing balance also matches your statement. Finally, check to ensure that all transactions showing on your bank statement appear on your report (which they should, if the opening and closing balances match).

Step 3: Ensure Your Bank Account Activity Report Balance Matches Your Trust Ledger Balance

If you’ve performed the two steps above and the ending balances match, then this step is already complete: compare the total balance on your Trust Ledger Report (which was calculated in Cell E1 in Step 1) with the ending balance in your Bank Account Activity Report. When these two balances match, your three-way reconciliation is complete.

Not currently using Clio? Try it for free.

Skepsis would love to perform your monthly trust reconciliations for you, whether or not you’re using Clio. Please email email us at [email protected]. Gain more great insights by subscribing to our newsletter below.

Attorney Competence and Technology

Posted on April 7, 2016March 12, 2016 by Devon

Many argue that conducting business in the cloud poses many risks to law firms and attorneys; nothing could be further from the truth. Chances are, unless you have a large in-house IT department supporting several hundred or more attorneys, the use of reputable cloud services will significantly decrease ethical risks. The adoption of new technology, and especially cloud services, can significantly decrease an attorney’s risk of breaching its ethical duties.Continue reading→

3 Apps To Make Your Law Practice More Mobile

Posted on March 31, 2016March 12, 2016 by Devon

We’ve previously posted about apps that make your business more mobile. At Skepsis, many of our clients are law firms, and a mobile business isn’t enough – a mobile law practice is what our law firm clients are really after. To take not only your business, but also your law practice, mobile, add these three apps to your mobile arsenal.Continue reading→