Set up iCloud for your iPhone 5. Follow these steps to set up iCloud: From the Home screen, tap the Settings icon. Tap iCloud. Tap Account. Set an Apple ID and password. Set up your iCloud storage plan. You automatically get, for free, 5GB of iCloud storage.f you must reset your iPhone to factory settings, this backup can automatically restore your iPhone's data. Although iCloud backups are automatic, you can also perform an iCloud backup manually: From the Home screen, tap the Settings icon. Tap iCloud. Tap Storage & Backup.
Homeownersâ Association (HOA). An HOA is a legal entity set up to manage and maintain the neighborhood. Its members usually consist of homeowners in the community.
HOEPA, or the Home Ownership and Equity Protection Act, protects homeowners when they refinance or get home equity loans. The law attempts to prevent unfair practices from lenders who offer home equity loans. There is a section of the law, âsection 32,â which mandates certain requirements for loans with high interest rates or fees. Accordingly, these loans are sometimes called âSection 32 Mortgages.â. HOEPA Covered Loans.