Of course, there were bright spots to be found if we knew where to look—and some of the time, we didn’t even have to look up from our smart phones to find them.

You can use the apps on smartphones and computers, and you can link your number to any mobile or landline number.

It is much easier to reply directly from my smart phone !

Thank fully we have smartphones to take pictures to prove it.

The internet and smart phones are a huge boost

On a related note, most people have smart-phones have you explored - Zelle, Venmo or CashApp?

No, unfortunately the spreadsheet won't run properly on a smartphone (the excel app on smartphones is not as robust as excel for windows and Mac).

This "system" that some say has left them holding the bag has also left them with things like cheap smart phones and free online access to the world's greatest minds via online products like "The Great Courses", mechanical and engineering programs from top universities via the comfort of their basement, financial advice from people like Dave Ramsey, Suze Orman, Mr.

Your low income tenants most likely have a bank account and smartphone so they are able to set this up easily. 

Unfortunately smart phones plus auto correct does not allow for great posts many times.