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If you’re frustrated by Microsoft OneNote for Mac, we’ve taken a look at the very best OneNote alternatives for Mac in 2018. The Mac version of OneNote isn’t as complete as the PC version with several features missing compared to Windows.
The Secondary Market In a typical loan arrangement, you borrow a sum of money from a bank or mortgage company, and then you pay that lender back over time. Most home mortgages, however, have terms of 15 or 30 years. That's a long time for the lender to have its money tied up, so most lenders don't actually hold onto their mortgages. Instead, they sell them to outside investors on what's called the secondary mortgage market. The lender gets its money back, plus a little profit, and it can turn around and lend that money to someone else. The investor gets the right to collect the mortgage payments over the next 15 to 30 years.
Mortgage Repurchasers The secondary mortgage market is a critical element of the U.S. Housing sector, because it ensures that there will be cash available to lend to people who want to buy homes (provided, of course, that they qualify or a loan). That's why the federal government chartered two corporations to act as mortgage repurchasers: the Federal National Mortgage Association, or FNMA, which came to be known as 'Fannie Mae,' and the Federal Home Loan Mortgage Corporation, or FHLMC, which came to be known as 'Freddie Mac.' As of 2012, Fannie and Freddie owned more than half of all U.S. Residential mortgages. Freddie Mac Owns Your Mortgage If Freddie Mac owns your mortgage, then your lender must have sold it to Freddie Mac - or sold it to an investor that eventually did. This is nothing to be alarmed about.
In fact, it's kind of a vote of confidence in you. Freddie Mac only buys mortgages that meet its underwriting criteria, meaning that it considers you a good credit risk and your home a worthy investment. Freddie Mac and Fannie Mae sell securities - bonds, essentially - backed by the cash flows from millions of homeowners' mortgage payments. What It Means to You The terms of your mortgage remain the same regardless of who owns it. If you were paying, say, 5 percent interest before Freddie Mac bought your mortgage, then you'll pay 5 percent interest afterward. The only change you might see is that you will be asked to send your mortgage payments to a new address.
Freddie Mac typically hires third parties to 'service' its mortgages, which means keeping track of payments, handling escrow for insurance and taxes, and processing the paperwork when you want to sell your home and pay off the loan. If you default on the mortgage, though, it will be Freddie Mac coming to foreclose, not the original lender.
Top apps for OS X Mac apps are a great way to get more from your Yosemite toting. TheMac App Store is filled with Mac games and handy apps, both free and paid, that can transform the way you use and enjoy your machine. Maybe you've just splashed some cash on Apple's beautiful 12-inch or the, both of these are great machines - but apps make them better.
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Just like apps really took the iPhone to the next level, they've done the same on the Mac. Check out these apps to give your machine a new lease of life. From useful diaries to to bargain Photoshop competitors, we've got your every need covered. VOX Player There's something which we'd guess most Mac users agree on - iTunes is nowhere near as good as it should be.
It's cluttered, slow, full of useless features and a pain to use. Vox is the complete opposite. Unlike iTunes, this beautiful app is clean, simple and it just works as it should. It's what iTunes should be. Another plus it has over Apple's competition is a much wider support for high-res music codecs, like FLAC, ALAC and High-res Audio, so your tunes will sound far better. There's an equally stylish iPhone companion app and Vox offer up a cloud service for storing all your music - making it available across devices. Wunderlist Super sleek and thoroughly fully featured, Wunderlist is a great way to organise your life and have everything synced between all your devices.
You can build your to-do lists in multiple sections, setting specific dates for when everything needs to be completed. The app has been completely rebuilt for Yosemite, with a new Notification Centre widget and support for Handoff - start a list on your iPhone or iPad rocking iOS 8 and you can continue at exactly the same spot on your Mac. While the app and majority of functionality is free, you can sign up to yearly membership which gets you more features, like improved sharing options. Pixelmator 3.0 FX This alternative to Photoshop may not be quite as feature rich as the photo manipulation king, yet with a much lower price tag and a broad range of useful options, it's a great app for a Mac. With support for layers, colour adjustments, re-touching, a multitude of effects and custom shapes, along with selection tools and paintbrushes it definitely doesn't fall overly short of Adobe's behemoth. The interface is great; stylish and simple while iCloud syncing means you can keep working across multiple machines. Pixelmator has just upgraded to the latest version, and it's the best one yet.
You can now quickly colour layer styles, add lovely looking gradients and shape images with the fantastic liquefy tool. There's a new image editing engine, and Pixelmator 3 FX takes full advantage of OSX Mavericks.
Price: £22.99. Ulysses Ulysses goes a step or two further than the plethora of minimal Markdown editors on the Mac.
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A fast, slick word processor at heart, it features a clean interface that extends to show a hierarchical folder system which is useful for organising longer projects. Deadline hunters will appreciate Ulysses' visual word counter and statistics tracking tools, while its numerous themes and Dark Mode keep text looking sharp. Once you're done, documents can be exported as plain text, HTML, ePub, PDF or RTF for sharing or publishing to other platforms. Price: £34.99. Parallels Desktop 11 for Mac If you're looking to run Windows software on your Mac without resorting to Boot Camp, Parallels Desktop 11 for Mac is one of two apps you should consider (the other being VMware Fusion 8). Parallels' latest offering is easy to get to grips with thanks to its step-by-step setup guide, which lets you install a range of operating systems - from Windows 8.1 to Windows 10, Ubuntu Linux or Chrome OS in just a few clicks.
All you need is an installation CD (or USB stick) and license key if you're installing Microsoft's OS. Parallels 11 introduces new Mac-friendly features such as Quick Look support, and if you're on Windows 10, you can even have Cortana running in the background while you're using your regular OS X desktop.
(And yes: it supports.) More about Apple MacBook.
