Mortgage subrogation is a process where a borrower can transfer their mortgage to a new bank, potentially obtaining more favorable interest rates or terms. The new bank assumes all costs related to the transfer, including the appraisal of the property, which is beneficial for the borrower. However, the amount still owed remains the same. Borrowers should carefully analyze their financial situation and the terms offered by the new bank before proceeding. The old bank is obliged to accept the subrogation request, while the new bank has the discretion to grant the mortgage transfer. If the new bank does not offer a subrogation mortgage, it may propose a mortgage replacement, which could involve additional costs for the client.

Smartphones are essential for carrying various files, but there is a risk of losing them. To prevent data loss, it's recommended to backup your iPhone regularly. Backups can be done using iTunes on a computer or via iCloud, which stores data in the cloud accessible with an Apple ID. iCloud offers 5GB of free storage, after which a paid plan is required. The article explains the steps to backup using iTunes and iCloud, as well as how to restore backups to the same or a new iPhone.