Downloadable computer software offering personalized income and expense tracking, market pay data and job opportunity information for individuals seeking employment and employers seeking contractors; Downloadable computer software for performing contractor and personnel-related services, namely, assisting with finding jobs, scheduling jobs, tracking earnings, comparing earnings across employer platforms, managing employment benefits, and employment administration; Downloadable computer software for managing employment accounts and monitoring financial information; Downloadable computer software for storing financial information and authorizing and controlling electronic payments, for electronic processing transactions and electronic payment to purchase goods and services as well as pay debits, loans, bills, and expenses; Downloadable computer software for enabling users access to educational information in the field of finances, taxes, debt, expenses, jobs, employment, skills, resume building, interview techniques; Downloadable computer software for delivery of real time traffic alerts via electronic communications, namely, SMS, push notifications, and email to rideshare drivers, rideshare companies, delivery services, and courier services; Downloadable computer software for electronic delivery to mobile phones of a real time and predicted supply/demand forecast that provides an advance forecast of daily rider demand and driver supply for rideshare and delivery services