The programs available to us in terms of our computers and phones are incredible and so convenient to us in this day and age. Whether it be social media apps, games, notification systems/ reminders, appliances such as calculators and compasses, there is a an application for about anything. In terms of my personal needs, the best application I could think of would be my Wells Fargo Banking application. This app not only lets me access my bank account to see what figures I have in there, but it also lets me set parameters on my statements, transfer my available money and make payments, and even lets me make mobile deposits if I receive a paper check in the mail. This way I need a password, username, email and security code to log in and stay protected from being a victim of fraud. For convenience sake as well, I no longer have to go walk to ATMs or my local bank to see what I have available in my accounts to spend. All I have to do is log onto my application through my smart phone and it will give me access to all of my information through the qualifications to log on. This has not only saved me time and trips going to my bank, but it has also made me conscious of how I spend and save my money.