PC hardware is nice, but it’s not much use without innovative software. I’ve been reviewing software for PCMag since 2008, and I still get a kick out of seeing what's new in video and photo ...

For example, a 5/1 ARM will have the same rate for the first five years, then can adjust each year after that—meaning the rate might go up or down, based on the market. An ARM isn’t for everyone.

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