Take care of your soul so that you can connect to empathy, patience and kindness whenever you need them.

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Most of the big banks offer these, and they allow you to access your money wherever and whenever you need it.

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Bringing many of the popular emWave features to iOS devices, Inner Balance is the only app and sensor available that offers both real-time monitoring and training to manage stress and rebalance the mind and emotions whenever you need it.

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Count on me whenever you need.

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However, there have been examples of malware being made available in the Google Play marketplace, so you do still need to be careful whenever you download apps to your device.

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"I am a person who loves to take little victory laps whenever I can because the market is so fleeting, and you need to pat yourself on the back for a good call whenever you have the opportunity because tomorrow could be a different story, " Ms. Freedman says.

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Whenever you spend money, triple-check to make sure you really need that item.

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