This document discusses smartphone apps that can help business owners by making processes more efficient, adding value for customers, and providing useful tools for tasks like dictation and note-taking. It recommends five "must-have" apps, including Trip Cubby for travel and WorldCard Mobile for contacts, and also lists apps in categories like social networking, travel research, and productivity. The document concludes by naming additional useful apps in areas such as project tracking, file storage, document editing, time tracking, music, and tasks related to printing, groceries, and accounting.