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Our goal is to ensure that each buyer understands the mortgage process from application through closing. If you are considering a home purchase (especially as a first time home buyer), learning these eight steps will simplify everything.
Mortgage Process Steps
- Completing an Application
- Pulling Credit
- Pre-Approval
- Mortgage Documentation
- Inspections Process
- Underwriting Process
- Closing Process
- Get the Keys & Move In
Mortgage Process Starts With an Application
Some prefer completing a mortgage application online. Many like to complete the application over the phone with a loan officer. While others prefer a face to face application interview. No matter the preference, there are a few key points to remember about the application process.
First of all, a complete application beats an incomplete application any day of the week. Do not rush through an application with partial or incorrect answers. Almost assuredly, it will come back to bite the buyer and will certainly cause delays. Everything, especially the mortgage underwriting process, depends on the loan application. If it has erroneous or incomplete information, it takes the loan officer and other team members down the wrong road. A common borrower complaint includes lenders asking for additional documentation late in the process. Often, the causes result from following the information supplied up-front. So, fill out all applicable areas and be as accurate as possible.
Next is do not commit loan fraud. Many believe that stretching the truth or telling a white lie to prop up a borrower's loan approval chances is not a big deal. However, when this occurs, results can vary from delays, more paperwork, loan denial, fines, and yes prison. The most common mortgage fraud includes inflating income or assets, hiding liabilities like child support or private mortgages, and residence type. Residency fraud includes applying as a primary residence for best terms, but actually, the purchase is for an investment property.
A computer process saying is "junk in junk out." It's the same thing when buying a home. Beginning with a "junky" application will cause "junky" results in the end. So, no matter the choice of completing the application, involve your loan officer and follow this advice.
Pulling Credit During the Mortgage Process
Either during the application or once it is complete, a credit report is pulled on all applicants. Traditionally in the mortgage world, lenders pull a merged credit report file from the three major credit bureaus. These credit bureaus include Equifax, Experian, and Transunion. For underwriting approval, lenders use information from all three, but the middle credit score is considered the "mortgage credit score."
Once the credit report is pulled, the loan officer reviews the score and details with the borrowers. During this phase, the loan officer looks to clarify any necessary areas by asking questions. These may include matching mortgages to properties, verifying deferred or income-based student loan payments, or asking for explanations on credit issues. Borrowers should be truthful and detailed in this area to start the loan process on the correct path.
Although most understand a credit report is required for mortgage approval, many are confused about credit scoring. Besides paying bills on time, what else factors into a score? Believe it or not, paying bills on time or late accounts for only 35% of a credit score. So, where does the other 65% come from? 30% of a credit score comes from balance compared to credit limits as a percentage on revolving accounts like credit cards. The remainder comes from the length of credit history, the number of inquiries, and credit type mix. If you'd like to learn more about credit score improvement, click on the buttons below for additional information.
Mortgage Pre-Approval Process Explained
Once credit is pulled, lenders usually run the application and credit report through an automated pre-approval system like Fannie Mae (Desktop Underwriter) or Freddie Mac (Loan Prospector). These systems provide a mortgage pre-approval within minutes. A solid pre-approval tells a buyer which items are required for full underwriting approval and closing. Plus, it allows a buyer to start the home shopping process. Although, sometimes the buyer already has a home picked out by now. That's okay too.
A very common request from the seller and the listing agent for the seller is a mortgage pre-approval letter. It may even be required just for a seller to show the home to a buyer. Buyers should care about this too. Why look at homes outside the buyer's reach?
Generally, a pre-approval is very simple in nature and still has some outs. These include income and asset verification, appraisal, title search, and applicable insurance coverage, but, in a moment we share how to solidify this area for a better chance of contract and quicker closings.
Just remember, for the best and most accurate pre-approval findings, it still starts with a complete and precise application. This part is on the buyer and the loan officer. The better this small team works together, the better the results.
Providing Documentation in the Mortgage Process
At some point (hopefully in the beginning), the buyer provides required documentation to process the mortgage application. These are items required by the initial pre-approval and the underwriting approval. Although, a buyer does not have to wait until approval. Buyers may provide mortgage documentation at application to speed up the process and improve the approval accuracy early on.
QuickStart, OVM Financial's online application allows buyers to upload documentation such as pay stubs, identification, W2's or tax returns, and bank statements. Our online application includes the ability to upload asset history directly from a buyer's bank account. Just another way that we simplify the home buying process for buyers.
Even though lenders are not allowed to require documentation from borrowers before providing a Loan Estimate, buyers do improve their chances of accurate approvals dramatically by providing documentation up-front. For instance, calculating income such as overtime, commissions, self-employed, and even hourly is much more accurate with income documentation. Think about it; borrowers either do not know their actual gross pay or at least do not understand how lenders calculate income. So, take a moment and provide a few documents at the start to improve the process for everyone.
To take things a step further for the buyer, by providing documentation at application, it allows a buyer to receive an actual underwriting approval. Also known as conditional approval.
Home Inspections During the Mortgage Process
Once under contract, buyers need to get started with applicable inspections on the home. Some inspections are required by the lender, while others are up to the buyer. Both are important.
Lender Required Inspections
- Appraisal
- Well Inspection
- Septic Inspection
- Termite Inspection
- Foundation Inspection
Depending on the loan type, property, and lender, certain inspections must be completed. An appraiser completes an inspection of the home to determine the market value in addition to the home's condition. Government loans like USDA, VA, and FHA have more safety and condition requirements than conventional appraisals.
Additionally, government programs require water or septic inspections when applicable. Lenders are not picking on a buyer. These tests are meant to protect both the collateral and the new homeowner.
Finally, if the buyer uses a VA loan for the purchase, a termite inspection is required. Also, if the appraiser notes a termite concern, lenders will require a termite inspection.
Although the above are lender required inspections, the buyer should want these completed as well.
Home Inspections Chosen by the Buyer
- Home Inspection
- Well Inspection
- Septic Inspection
- Radon Inspection
- Appraisal (even cash buyers may want an appraisal)
- Termite Inspection
Just because a lender does not require an inspection, a buyer should not ignore these. Quite often, lenders do not require septic or well inspections. That does not mean a buyer should avoid the well or septic system. Imagine closing on a home and learning that the water has bacteria. Maybe the septic tank is backed up, needs pumping, or even needs replacing.
Furthermore, there have been buyers who skimp on the $50 – $100 termite inspection cost, only to find out the home is infested after closing is not the time to learn that a house is termite infested.
The home inspection is strictly for the buyer and should not be taken lightly. First of all, remember that an appraisal is not a home inspection. Next, a home inspector is your friend in the home buying process. Then hopefully, a buyer hires a licensed and insured inspector. Expect the inspector should crawl underneath, on top of, and through the whole house. So, the report will be very detailed with descriptions and pictures of potential problem areas. Many inspectors encourage the buyer to attend the home inspection so areas may be pointed out and discussed on the premises.
It's a good idea to perform any desired or required inspections during the due diligence period of a contract. Get everything out of the way early. If there is a significant issue, the buyer may choose to request repairs, cancel the contract, or switch to a renovation loan.
Simplifying the Mortgage Underwriting Process
Once a buyer has been pre-approved and has provided documentation, the file moves to the underwriter. The underwriting process involves comparing the borrower's application, credit report, and documentation to program guidelines. Remember earlier how we mentioned providing an accurate application and documentation? This is why. Everyone's goal should be a quick, clean underwriting approval.
The underwriting process varies widely among lenders. OVM is always looking to redefine the mortgage process, and underwriting is no different. Buyers who are pre-approved and provide documentation early benefit from an up-front underwriting approval.
Why is Up-Front Underwriting Important?
Either way, the OVM underwriting process is fast, but having an underwriting approval right up-front provides many advantages. Confidence is one. Do not underestimate the feeling of buyer and realtor confidence. The earlier the underwriting approval, the less stress there is through closing. Anyone should prefer an early underwriting approval and coast smoothly into closing.
Seller confidence is key as well. Unless you have been a seller, you may not understand the level of stress on that side. Imagine the planning the seller must go through on their end. Moving into another house, going through their mortgage process, and another seller depending on them as well. A buyer should care about making their seller confident because it could sway a seller to choose their offer.
Protecting earnest money is another advantage. Typically, purchase contracts require a deposit from the buyer who is held in an escrow account. At a certain point, the funds may be at risk. Therefore, an early underwriting approval or even a denial helps protect these buyer funds.
Underwriting Clear to Close
This is what everyone wants to hear. We have final underwriting approval and clear to close. Final underwriting approval means any underwriting stipulations have been satisfied. The earlier this can happen, the better. Next, the file moves to the closing department. So, everyone should feel very good at this point. Yet, it's not done yet.
Mortgage Closing Process
Once the underwriting clear to close is received, the buyer is in the hands of the lender closing department and the closing settlement company. The settlement company may be a closing attorney, title company, or other. In addition to the other processes, closing involves steps as well.
Closing Steps
- Insurance binder finalized
- Review invoices
- Set closing date
- Prepare closing documents
- Final verbal verification of employment
- Coordinate with a settlement company
Best recommendations for buyers would be to stay in communication with the loan officer or loan officer team.
Additionally, make sure to coordinate with your insurance agent and finalize the policy. This is required for a lender to send the closing package. Best practices include taking care of insurance very early on. At least having the quote and application completed.
At this stage, the closing disclosure must be provided to all borrowers at least three business days before closing. The initial closing disclosure usually does not have final, accurate figures yet. But, while the above-listed steps are performed, the final figures are completed. Then, the closing package is sent to the settlement company.
Be Prepared for Closing
On the day of closing all required signors should bring an ID, any necessary funds, and warm up the arm for signing. The settlement company representative explains closing documents and the borrower(s) sign. If it is just a notary closing, ensure that someone with the lender or settlement company explains the documentation. No buyer should close without a thorough explanation of what they are signing.
Once signed, the funding process takes over. The lender sends funds to the settlement company to combine with any borrower funds so that the settlement company may distribute all funds. The major one is paying the seller, but it also involves paying invoices to all parties. Once the settlement company has the funds and the OK, the deed and mortgage are recorded. That's when the property is officially in the name of the buyers, and the mortgage is owed! At this moment, the mortgage process is complete.
Get the Keys and Move In
Once the deed and mortgage have been recorded at the register of deeds, the home officially belongs to the buyer.
Now, the buyers become owners! This is the moment when the keys are handed over, and buyers are allowed to move in. Before move-in day, change your mailing address, set up utilities, and begin packing. Another recommendation is to change the locks on the house. There is no telling how many keys are out there, especially in the case of a foreclosure.
Things To Remember About the Mortgage
- Keep a copy of the purchase and mortgage documentation
- Save your temporary payment coupons
- Consider setting up a payment draft
- Mark the first payment date on a calendar
- Review life and disability insurance coverage
Hopefully, this has shed some light on the mortgage process from application to moving in. If you are ready to get the process started, begin your application or schedule a call with an OVM Financial loan officer.
Apply online now with our easy QuickStart App or talk to a licensed
Mortgage Loan Officer to review which loan is the best option for you.


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This set includes several sweet critters (bears, penguins, bunnies, birds and mice) embraced in a hug. Not just for winter and Christmas, this set is perfect for Valentine's Day, love and friendship.
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4x6 Photopolymer Stamp Set Includes:
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Search Results
Obama's quiet gains against poverty
That's "the least, first." And I believe it is what government exists to do.
Poverty, government, and the Bible
[Please note that many helps came via Ron Sider's excellent but aging book Just Generosity: A new vision for overcoming poverty in America. This page is also saved as a post, under the title A Bible Argument for Government Aid to the Poor. The text is about the same there, but the comments of others—and my responses to them—are different. Thanks for thinking along!]
Evangelicals often struggle with the idea of a government role in addressing poverty. Often, I hear questions like these, from an honest blogger called RenaissanceGuy:
- "I want to hear a reasoned biblical argument for government-run health care."
- "… if people are coerced, though the income tax code, to support the poor, then are they actually pleasing our Lord?"
Others put it like this:
- "Is it government's job to care for the poor, or should the church and their families do it?"
While sectarian government is antithetical to American democracy, people of faith in the USA do have the privilege of holding and sharing political values consistent with what they understand to be good. Those values may not well fit in either conservative or liberal camps, but there will be common ground that can be shared with both.
In order to do that, people of faith have to be deeply aware of their own faith, and not just the arguments of right or left. So here's an attempt to think aloud on one of those issues.
Especially for evangelicals:
a Bible argument for government aid to the poor:
First, some assumptions on which I think all can agree:
1. Jesus, as described in the gospels, is much more focused on the poor than our evangelical theologies have been. Read the rest of this entry »


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IPL: BCCI keeps a tight rein on the budget
BCCI is not only trimming down the budget for the opening day ceremony, but also subsidising the franchises in Phase 1 of the tournament
With the Supreme Court's interim ruling in place, cost cutting and subsidising seems to be the flavour of the season for the Board of Control for Cricket in India (BCCI). The Board is subsidising the IPL franchises for the matches of the seventh season of the tournament to be played in the UAE and Sharjah.
Sources indicate that the BCCI is ready to bear a part of the hotel and stadium expense this year. Franchises, which are already facing the heat of the venue shift, will get some respite from these measures.
Almost 40 per cent of the revenue of the franchises comes from stadium ticket sales. This revenue is set to a take a hit this year as the venue moves to the UAE. Phase 1 is, therefore, to be subsidised by the Board. Franchises were initially reluctant to shift the tournament outside India, but due to the General Elections adequate security could not be arranged for the tournament. Therefore, the first phase, which will last till April 30, will be played outside India.
Apart from this, the opening ceremony budget this year has been brought down from Rs 25 crore to Rs 10 crore. This, according to people connected with the development, is to cut down the glitz and glamour factor and keep the ceremony low profile. Another angle is that the BCCI would also lose money due to the venue shift outside India, and coupled with the subsidisation it is granting to the franchises, the trimming of the budget would help them tide over as far as the expenses are concerned.
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3 Year old New Luxury WATERFRONT community of Cates Landing, situated on the shores of the Burrard Inlet and neighboring Cates Park. BREATHTAKING OCEAN VIEW ALL DAY with AMAZING SUNSHINE facing South PENTHOUSE, 2 Beds+2 Baths+Den. 9'' ceilings, an extra large kitchen with stone counters, plenty of cabinet space and top-of-the-line appliances,spa-inspired bathrooms, over-sized covered balcony. The waterfront path at your doorstep connects to Cates Park for easy hikes,dog walks,biking. Amazing amenities Kayak & Bike Storage,Guest suite in the building,Gym,Gardening Room & a dog wash station and an on-site caretaker. Best of Deep Cove is at your door step-walking distance to trails,shops,restaurants. 2 Parking + Storage. Freehold Strata.Virtual tour http://cloud.roomvu.com/s/RdEr8WiJ84nSH3C
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Jeffrey Eugenides '83 did not intend to set his latest bestseller "The Marriage Plot" at Brown.
"But I decided that no matter what I did, people would probably think it was Brown anyway, so I just decided to go for it," Eugenides said. Besides, he added, "Brown really hadn't had that many novels. … I decided I would try to rectify that."
While his characters navigate a 1980s collegiate love triangle, they often recognize their own experiences in works of literature. This makes for eerie reading for the current Brown student as characters walk down Benefit Street, meet up in the Blue Room and party at Hawaiian Night at Sigma Chi. But perhaps even more provocative are the familiar themes of depression, aimlessness and gender relations — albeit seen through the lens of the early 1980s.
Eugenide's two previous novels, "The Virgin Suicides" and "Middlesex," take place in his hometown of Detroit. While he manages to squeeze in a few pages of Motor City, he mostly explores new terrain in "The Marriage Plot."
Though the first third of the book is set in Providence, the plot then shifts to characters' post-grad travels to Cape Cod, Paris and India — as well as their intellectual voyages in understanding literature, theory and themselves.
But even when the action steers away from College Hill, "The Marriage Plot" is framed by its protagonists' memories and beliefs formed at Brown.
Semiotic schism
The novel was not originally set at a college. Eugenides wrote a couple hundred pages of a manuscript centered around a Midwestern family party, but became intrigued by Madeleine, a party attendee with romantic complications in the story. About seven years ago, he scrapped the original book to focus on Madeleine and her two romantic interests, Mitchell and Leonard.
The book, released Oct. 11, is dedicated to Eugenides' college roommates — "Stevie and Moo Moo" — with whom he lived in an apartment on Bowen Street, in the same building as Mitchell does. But that building, and another one on Hope Street in which he lived, no longer exist, Eugenides said.
When Eugenides attended his nephew's Commencement ceremony several years ago, he said he was "double-checking all (his) graduation facts."
He borrowed not only the physical background of 1980s College Hill, but its academic backdrop as well.
Madeleine undergoes a revelation when she first discovers semiotics, mirroring Eugenide's experience and the general academic climate in the late 1970s when the University's semiotics program was in its infancy. At the time, French semiotics theory was gaining popularity, creating "a schism in the English department," recalled Eugenides.
Madeleine notes this shift in the novel — "by senior year she could no longer ignore the contrast between the hard-up, blinky people in her Beowulf seminar and the hipsters down the hall reading Maurice Blanchot."
There are no characters or specific events taken from his time at Brown, Eugenides said. John Hawkes, former professor of English and his most influential teacher in college, did not even make it into the story.
Yet Madeleine's studies seem to match Eugenides' collegiate career, which "shuttled back and forth between a more traditional English curriculum and the new semiotics practice and theory," he said. While "Middlesex" was inspired by the writings of Michel Foucault, "The Marriage Plot" draws from that of Roland Barthes, Eugenides said.
Madeleine obsesses over Barthes' "A Lover's Discourse" — though she is initially not sure how to pronounce the author's name until the most pretentious student in her class says it out loud.
Girls to women
Though Madeleine is enamored with the marriage plots of Victorian novels, she also holds modern sensibilities. This sets her apart from her mom, a traditional housewife who naively critiques Madeleine's shoulder pads as too "mannish." Mitchell later captures feminist anger en vogue with the exaggerated observation, perhaps of the Sciences Library: "College feminists made fun of skyscrapers, saying they were phallic symbols."
Mitchell considers girls at one point, but interrupts himself with a correction — "excusez-moi: women." Eugenides said this line grew directly out of his Brown experience, when using the word girl instead of woman would get you in trouble. Feminism was a "hotter topic" back then, he said.
"Can you say girl at Brown?" Eugenides asked in an interview, wondering if female students still police such language. Maybe female students today do not need to, Eugenides suggested. "The women I knew would stand against saying girl because they weren't sure that they were going to have the power that they wanted," he said. The situation might be different for women today, as "certain battles have been won," he said.
"A lot of the women I knew at Brown would be very against anything that would make them attractive or turn them into an object," he added, something he said he does not see today.
You may ask yourself
Eugenides contrasts not only decades, but also the theater-literary social scene he experienced at Brown with that of the writing students he currently teaches at Princeton.
He said he finds his Princeton students to be generally less "colorful" and more "sober-minded and mature" than the college peers he remembers. "The benefit is they don't seem as if they're going to have some kind of nervous breakdown," he noted, a fate that befalls one of the characters in his novel.
"But I can't tell if that's a difference between Princeton or Brown or between 2011 and 1980. You don't have New Wave and punk rock right now, and maybe it affects people's style," he said.
Critics often remark on the novel's style, and it is perhaps appropriate that a book about the study of semiotics includes so many signifiers of taste. Students listen to The Talking Heads and Patti Smith, and they read Italo Calvino.
While 80s music tastes remain popular today, there are clear differences between Brown in the novel and the campus in 2011. "The Marriage Plot" depicts Providence as "a corrupt town, crime-ridden and mob-controlled" with "a sketchy downtown." Course titles contain three numbers. All the girls use diaphragms.
Indeed, Eugenides describes one character's sexual adventures with the hyperbolic statement: "A representative image of Leonard's freshman year would be of a guy lifting his head from an act of cunnilingus long enough to take a bong hit and give a correct answer in class." According to a recent Herald poll, only 1 percent of students reported having six or more partners this semester.
Some things remain the same. Students constantly drink coffee. Alcohol fuels unexpected sexual adventure. Leonard eats a Buddy Cianci sandwich at Geoff's (inexplicably titled Mutt and Geoff's — Eugenides said no one has called him out on any inaccuracies yet). Graduation sparks existential crisis.
Themes of aimlessness and post-grad uncertainty have been reworked many times before. In W. Somerset Maugham's 1944 novel "The Razor's Edge," the young Larry Darrell rejects conventional employment and "loafs around" first by traveling to Paris, then to India for spiritual and religious adventure, as one of protagonists, Mitchell, does. Mitchell's travel partner is also named Larry.
"There were some books that reached through the noise of life to grab you by the collar and speak only of the truest things," Mitchell reflects at one point.
That is a high standard to hold any book up to, and it's not clear "The Marriage Plot" as a work of literature achieves it. But its characters' passion for finding wisdom in the written word certainly reminds you that it is possible.


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CORRECTION: Therapy Dog Program Facilitator Faye Anstey said that the program has been up and running for the past years. She added that currently, there is a team of eight volunteers and dogs.
FORT ST. JOHN, B.C. – The St. John Ambulance's therapy dog program got a big boost earlier this summer.
The St. John Ambulance launched its Therapy Dog Program, which is a volunteer organization led by Unit Facilitator Faye Anstey.
Community Interviews with Moose FM
There are currently eight certified handlers with the program, who bring their certified dogs on visits to local venues including Peace Villa Care Home, The Association for Community Living 4-plex, Abbeyfield House, Peace Lutheran Apartments, the Chetwynd Hospital, and a variety of other community events.
The program's handlers and dogs are evaluated after the dogs reach the age of 2, to test the temperament of the dog as well as the behaviour of the handler in a variety of situations.
When visiting one of the locations, the team will spend 1 to 2 hours visiting residents or students, allowing the canines to offer companionship and stress relief.
On June 2nd, the program got a big boost when Energetic Learning Campus students Brynn Shaw and Lexie Brown-John helped raise $1,000 through a Dog wash, where they scrubbed over 50 dogs clean. The school project was geared towards bringing awareness to the need of therapy dogs in our community.
Anstey says that the program has proved very comforting for many of the people the dogs and their handlers visit, as the dog teams and visited all look forward to the weekly trips.
To learn more about the St John Ambulance Therapy Dog Program, please email Faye Anstey at [email protected].


text: The new evangelization invites us all to enter into relationship with Jesus Christ and the members of His Church. On Franciscan Media Production's American Catholic Radio program Called To Discipleship, bishops of the United States discuss how this call is realized. In this segment, Archbishop Joseph Kurtz, Vice President of the United States Conference of Catholic Bishops and Archbishop of Louisville, talks with host Sharon Cross about the family and the call to discipleship. Click here to listen to the podcast.


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Reading time: 7 min read
Today I read an article from itworld.com where the author wrote about the question which linux dist may be the best for beginners. It's not the first time I thought about it, but today I want to show you my opinions.
My first attempts with linux are around 2002. My father downloaded a few different distributions for me, so that I could try them out. As I owned an Apple iMac G3 with a PowerPC processor, which was not supported by every dist, I was limited in choice. I tried out to install Debian 3.0 (Woody), Mandrake, Yellow Dog Linux, SuSE Linux 7.3 or 7.2 (one of the last PPC editions).
Debian was, if I remember correctly, the first dist I installed. I found it really complex to install, but it worked (side by side with Mac OS X and Mac OS 9). I couldn't get warm with Debian the first time (it looked really difficult to use), so I tried out to install the other ones. However the installation of Mandrake, Yellow Dog and SuSE failed somehow (Mandrake was not bootable, I don't remember the other errors). After that I reinstalled Debian with KDE 3 and used it (besides mainly Mac OS X) until 2005.
In 2005 I installed Ubuntu, as it was declared to be easier to use and the software was even newer than in Debian's stable release. I just wanted to try it out and look for the differences. Looking back from now on, I don't remember any big differences other than new versions of the software. This was version 5.04 ('Hoary Hedgehog'), the second official release.
Back in 2004 I also owned an Apple iBook G4 12", which I wanted to use as dual boot. However instead of simply installing Debian, I wanted to have a machine with maximum performance and don't wanted to use a precompiled distribution for that (thoughts on compiler optimization flags, disk space, only really necessary software etc.). That was the time I tried out Linux From Scratch 6.0. As I didn't have any linux on the iBook, I tried to cross compile the needed packages. This was possible due to the fact, that someone (thanks Martin Schaffner!) went the same way and wrote down what he did. We emailed a few times and I got a partly working system. (It booted up to the point, when a shell should appear, but it didn't and I didn't find out a way to do it until I gave up) The LFS story was the most important part in my linux history, as I learned more of the core and how thinks work in linux than in any other period.
After using Ubuntu from 2005 onwards, I switched back to Debian when I heard, that there wouldn't be any new PPC version of Ubuntu. (Last official PPC version was 8.04 'Hardy Heron'). The reason to switch back was, that I owned an iMac, an iBook and a PC (IBM ThinkCentre) and wanted to have a (more or less) homogenous OS infrastructure.
After that I never switched back to Ubuntu or any other dist. I tried some other dists in virtual machines (VirtualBox), but Debian was my alltime favorite. The only other distribution, which runs in my network is OpenWrt (only on routers here).
Long story short: Most of the time I did my way with Debian and learned much by using it. I got the best understanding of how thinks work internally by doing the LFS part.
I think this question is to imprecise to get a precise answer of what you really want to know. In my opinion, the real question is: What is the right distribution for me to start? Or if it's not you: What is the right distribution for persion XY to start?
To answer one of the two questions from above, you need to know the person who wants to start, because you need to know, what the person wants to do with the operating system.
This person wants to know how the system works and what he or she can do cool stuff with it. OK, the person also needs to have a system you can use to e.g. hear music, watch videos and surf with a browser etc. So to start, I would recommend a dist that demands a great deal on you, but when you know what you're doing, it also gives you much back. So to do the first footsteps I would recommend Debian. Learning the shell and package managers etc. will be difficult enough to start. When you are quite familiar with that, you should try out Gentoo and after that Linux From Scratch (LFS) or directly LFS.
I can tell you, that you'll switch back to Debian after you did LFS for some time 😉 Package managers are really handy tools and binary distributions don't take so much time for updates and new software.
The average user, like your mum or probably most of your friends, don't want to learn something about the internals of an operating system. It would be good for them to know, but they have other interests. They simply don't care about it. (It would be great if they'd even care about doing backups of their important data...)
So, whats the best operating system for these people? Well, these people need a system which is easy to use and (if possible) doesn't stand in their way. They just want to use it.
From the usability view, I wouldn't recommend a linux system in the first place. The easiest operating system to use (and also most consistent one) is Apple's OS X. To use OS X you really need a Mac. Most Hackintoshes, which are genuine PCs with a 'hacked' version of OS X, aren't really usable at all, as you cannot update the whole system to every new version and sometimes the performance is far away from usable. To buy a Mac may be too expensive for some users. Others may not want to dive into unknown waters, so they'll want to stick with Microsoft's Windows.
However a linux distribution has some advanges over the proprietary operating systems (incomplete list):
So, for the average user, who wants to have a working operating system which is free and doesn't stand in his way and also has some similarity with Windows, I would recommend Linux Mint with a flavour you like most.
Normally Linux Mint is based on Ubuntu, but there is also LMDE (Linux Mint Debian Edition) where Linux Mint is based on Debian. LMDE is a rolling release, which means: install once, update any time. The Ubuntu based Linux Mint gets released every 6 months and also has releases with support for many years (Long Term).
Link to the article from itworld.com: http://www.itworld.com/open-source/379175/best-linux-distro-beginners


text:
Customer Reviews
Super cute but material isn't great and it runs small and awkward. Long but not the right size around. Head hole is small, hat is for a newborn, anything hooded doesn't fit either.
Honestly, they were all too small. My guy just got into 18 month clothes like the week after I got them and I 100% should've gone with the 2T OR 24 month for the sets. The hat doesn't fit that came with the outfit, it's seriously for a newborn, and I can barely get his head into this or the other hoodies. Was super bummed because they're adorable, not sure why they fit like 9 month-12 month though.


text:
Entrances, Steps and Porches
- All accessible entrances, steps and porches are determined to be in (G/A/F/P)_______________ condition. There is (y/n)__________ evidence of structural problems.
- The landing platform(s), which is the area in front of doors, does (y/n)__________ have a large enough space to safely open the door while someone is standing there. This is required to help prevent someone from being knocked down the steps when the door is opened.
- There are (y/n)__________ handrails for all stairs that are more than two steps in height. The handrails are (y/n)__________ loose and/or decayed. Handrails must be installed when not noted and maintained periodically to prevent any tripping hazards.
- The steps do (y/n)__________ have uneven and/or damaged sections that require repairs at this time. All steps must have an even and uniform height and be properly maintained so that there are no tripping hazards.
- There are (y/n)__________ wood stairs with the wood base resting directly on the soil. When wood stairs are noted, the base of the wood should be resting on concrete pads above the soil. This will help prevent rot and termite infestation.


text:
Kirsten Hughes Keeps Up Pressure on Dem Flip Floppers In yesterday's Lowell Sun Kirsten Hughes kept up the pressure on Democratic tax flip floppers. In the middle of a summer heat wave, in an off-election year, when a royal baby and courthouse dramas captured the public's attention, the Democrats at the Statehouse enacted massive tax increases worth at least…Read More »
Update on Lizzy Warren's 'marauding bands' seizing everything.
( – promoted by Rob "EaBo Clipper" Eno) Remember when Democrat, and founder of the Occupy Wall Street' movement ('movement' – no pun intended) told us that marauding bands of people would run through the streets seizing everything from our factories? Remember that? Here is a link: Well it appears that she is right. In Syracuse, NY a 'marauding band'…Read More »
it's not evry day that the President is an active party in felony fraud
(When will Attorney General Martha Coakley investigate Deval Patrick and his ties to Evergreen Solar? – promoted by Rob "EaBo Clipper" Eno) http://www.nationalreview.com/… By making comments in his speech about Solyndra about the company's financial viability, Andy McCarthy posits that criminal fraud was perpetrated against the United States. In this case, by the Obama administration. The Solyndra debacle is not…Read More »
Governor Patrick – Yes We Can! put MA residents as risk
(Start those calls – promoted by Rob "EaBo Clipper" Eno) Our esteemed Governor announced this morning that after conducting Pubic Forums on the federal Secure Communities program, he has decided we want out. Hmmmm – how many of these forums (before you cancelled half of them) did you attend, Sir? This dangerous, illogical, strategic, politically-calculated-to-drive-support-to-Obama decision brings to mind those…Read More »
Letting Killers go
When should a life sentence mean life? This is the subject of tomorrow's Friday Throwdown news chat at the Boston Herald. Join in. It's hard enough to get convictions — what's the rush to free violent criminals once law enforcement finally gets them locked up? From the Throwdown story on the Herald website: "Dominic Cinelli, Daniel Tavares Jr., Michael Gentile.…Read More »
New York woman charged with adultery
after being arrested for public lewdless for having sex in a park, the police discovered the woman was married and charged her with the additional crime of adultery. (In Massachusetts the unmarried partner would be guilty of adultery as well) The woman plans to appeal the adultery charge as unconstitutional, and I hope she does. There is no way…Read More »
Bennett Releases Crime Prevention Policy
( – promoted by Garrett) My fellow Bostonians, It costs $42,000 per year to jail someone. Additionally, both the Boston Police and the District Attorney Dan Conley are under funded so it is difficult to provide more prosecutors and police officers. This is due to our current economic crisis. As we've read recently there has been a real…Read More »


text:
When about 100 Ethiopian immigrants left for Israel last month, Menachem Waldman was there to see them off at the Addis Ababa airport. For the 64-year-old Israeli rabbi making his 70th trip to Ethiopia, it was one more small victory in a bitter battle that has caused enormous pain and agony for tens of thousands of families that have been torn apart.
And it is a battle that is far from over: About 8,000 Ethiopians remain waiting in Ethiopia for the Israeli government to allow them to immigrate. Many have been separated from their families in Israel for more than 20 years.
Waldman's interest in Ethiopian Jews goes back to the early 1980s, when the first wave of Ethiopian Jews came to Israel and a group settled near the village of Nir Etzion in northern Israel. Waldman served as the local rabbi there.
"I was impressed by how connected they were to Jewish traditions," recalls Waldman.
From talking with the Ethiopian religious leaders known as kesim, Waldman became familiar with the group's oral history. His research would result in 10 books about Ethiopian Jewry published over the past 30 years. Among his findings is what the kesim told him about how the community originally came to Ethiopia.
"They believe that their forefathers followed the Nile valley southward from Israel in the years following the destruction of the [First] Temple," explains Waldman.
Isolated from other Jews, they followed the laws of the Torah without the practices introduced by the Talmudic authorities.
Waldman's expertise became of critical value in 1992 when the Israeli government sent him to Ethiopia to report on the controversy surrounding Jews who had been pressured to convert to Christianity in the late 19th century.
These Ethiopians, pejoratively known as Falashmura, were now eager to return to their Jewish roots. Some had come to Israel during the 1980s. But many others who had left their villages to emigrate to Israel in the 1990s became stranded in either Gondar or Addis Ababa as the Israeli government tightened its immigration criteria.
Waldman unequivocally recommended that this remnant of Ethiopian Jewry be allowed to come to Israel. It is against Jewish law and Jewish history to not accept Jews wishing to return to the community, argued Waldman, noting that converts from Jewish communities in Iran and Iraq as well as the Spanish and Portuguese crypto-Jews have all been welcomed back to the fold.
He also was impressed by their sincerity.
"They explained that their non-Jewish practices were like putting on a coat. 'We remained Jews on the inside,'" Waldman says.
In fact, wearing that "coat" didn't prevent the rest of the Ethiopian population from discriminating against them.
"They lived separately from Christian Ethiopians and were only allowed to work in the traditional Jewish occupations of weaving, black-smithing and pottery," Waldman says.
Even though the converted Jews reaffirmed their connection to Judaism by attending synagogue services and practicing Jewish rituals, the Israeli authorities have continued to place obstacles in their path. Consequently they remain in limbo, uncertain about if and when they will be reunited with family members in Israel.
Waldman currently serves as the Jewish Agency's director of Jewish education programs for the Ethiopian community in Israel, a job that brings him in contact with families who have suffered years of separation from relatives.
On a recent visit to the Hanita Immigration Absorption Center in Haifa, Waldman was warmly greeted by Kasao Mula, a 23-year-old about to enter the Israeli army.
"Kasao was the cantor in the Addis synagogue, where he and his three brothers and father were the first ones to arrive for prayers every morning," says Waldman.
The family's immigration process was halted 15 years ago when Kasao's mother suddenly died just after the family received an entry permit.
Because Kasao's father is not Jewish, and because the death of Kasao's mother meant that he and his brothers no longer had a Jewish mother, the Interior Ministry immediately revoked the family's permit. Kasao's grandmother and his mother's sisters and brothers, along with their families, were already living in Ashdod.
Kasao's father, who had previously decided to convert to Judaism, continued to bring his children up as Jews. Finally, a year ago, when they were allowed to come to Israel, Kasao was reunited with his grandmother and other relatives.
"It is absolute wickedness that they were not allowed to come for so long," says Waldman. "All because of an arbitrary insensitive decision made by a government clerk."
The efforts of Waldman and others, however, have not been in vain. An estimated 50,000 Ethiopians who returned to Judaism have moved to Israel in the last 26 years. They and their Israeli-born children now make up the largest segment of the 140,000 Israelis of Ethiopian descent.
Yet this is of little consolation to the 8,000 who remain in Ethiopia, living in impoverished conditions in the cities of Addis Ababa and Gondar, after leaving their villages and farms many years ago in anticipation of an imminent move.
In 2015 it seemed like the problem was finally solved when Ethiopian-Israeli Knesset Member Avraham Negusie pressured the Netanyahu-led government into passing Resolution 716, which called for the immediate absorption of the remaining Ethiopian Jews. But several months later, Prime Minister Benjamin Netanyahu reneged on his promise, claiming that the government did not have sufficient funds to implement the resolution.
In the years since, a lack of funding has not prevented tens of thousands of immigrants from other countries to come to Israel, while only a trickle of Ethiopians have been let in.
In 2017 alone, close to 17,000 Jews were admitted from the former Soviet Union, while only 1,300 Ethiopians were allowed to immigrate.
Recently, Netanyahu once again promised to bring the remaining Jews of Ethiopia to Israel — after the upcoming election.
In the meantime, Waldman continues to travel frequently to Ethiopia where he is known as the Rabbi of the Ethiopians.
Standing on the balcony of his Haifa home, he looks out on the Haifa harbor and recalls how, more than 70 years ago, a ship called the Exodus full of Holocaust survivors hoping to immigrate to Israel was turned away.
Waldman's mother was one of the passengers on that ship. After a well-known struggle, she and the others eventually reached Israel.
"It's inevitable that anyone who wants to come here is able to do so," he says.


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Visit to the NDC by H.E. Ahmed Salim Mohamed Baomar, Ambassador of the Sultanate of Oman to Italy
- English
- Français
On Wednesday 22nd October, the NATO Defense College (NDC) was honoured by a visit from H.E Ahmed Salim Mohamed Baomar, Ambassador of the Sultanate of Oman to Italy. The Ambassador was warmly welcomed by NDC Commandant MGen Janusz Bojarski (POL F) and by the Director of the Middle East Faculty, Col Giuseppe Morabito (ITA A).
After spending a busy morning at the College, the Ambassador spoke to the twelfth NATO Regional Cooperation Course (NRCC-12), giving an informative and very topical talk entitled "Gulf update and the Strait of Hormuz: an Omani perspective".
His lecture was followed by a lively Q&A session, where all NRCC-12 participants, together with the Middle East Faculty and Staff, had the opportunity to engage with the speaker on many points of interest emerging from his talk.
Ambassador Baomar was born in 1964 in Salalah, in the Sultanate of Oman. He has a PhD in Political Jurisprudence in Diplomatic Immunity from the Malaysian Islamic University. The Ambassador started his career in 1991, as Director of the International Agreements Office - Legal Department in Muscat; in 1996, he became Chargé d'Affaires at the Embassy of the Sultanate of Oman in Kuala Lumpur. From 2002 to 2003, he was Director of the Diplomatic Courses Office, after which he was appointed Deputy Head of the Political Analysis Office. In 2005 he became Deputy Head of the Human Resources Department. He held the position of Director General of the Diplomatic Institute from 2007 to 2014, when he arrived in Rome as Ambassador Extraordinary and Plenipotentiary of the Sultanate of Oman to the Italian Republic.


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|Review by Big_T
|posted 07-05-2016 04:49 AM
|6271 views
|1 time favorited
|18 comments
- Porter Cable PCB660DP
- Brand: Porter Cable | Category: Drill Presses
Not an expert by any means so you can take my review with a grain of salt. Now in retirement I decided I wanted to build stuff like built-ins for my TV room, interior barn doors, and real wood kitchen cabinets. Just one thing, I've never built anything interesting other than subwoofer boxes in college some 30 years ago, and though they sounded great – they weren't pretty.
Fast forward to 2016, I have started buying a variety of tools and decided I needed a decent drill press but knew its time with me would be limited. It'll be maybe a year or so before it will end up in a garage sale so I didn't want to spend too much. So after reading dozens of reviews praising THIS model, I marched over to my Lowes and I negotiated a 15% discount (they don't take HF coupons for some reason). I put it on my Lowes card for an extra 5% off and then it sat in my garage for a few weeks before I could clear out a small space for it.
Well yesterday was the magic day. After cleaning and wiping all the shipping oil it was slathered in, everything was together and ready to go in about 45 minutes. So I fired it up and, as you can tell by the title, I did not luck out like everyone else. What's the problem? Well the quill thinks it's a gyro, has 1.6mm run-out, the laser is off by a 1/4" and the top belt housing came dented even though the foam was intact and was factory strapped. Overall the run-out wasn't too bad since I am not a professional and only I will know that I used a cheap drill press, but from what I've read, the chuck and arbor needs to replaced. This is absolutely ludicrous in a new machine, so I ended up returning it.
I only tested it for run-out before boxing it back up, but give it a fair 3.5 stars for what it is, an entry level drill press for non-precision projects. Just be prepared to return/exchange this 150 lb hunk of metal if you are unlucky like me and don't hit the lottery like everyone else seems to have done.
Now I am waiting to see if a more expensive brand that is a bench top (instead of floor model), goes on sale and hope I have better luck the next time. Models I am looking at are the Shop Fox w1668, Jet J-2530 and Grizzly g7943. I'm also considering a radial just because it looks convenient like my DeWalt sliding miter.
18 comments so far
#1 posted 07-05-2016 11:44 AM
I have had the shopfox W1668 since 2004, and the only issue I've had with it is the oscillating rubber belt (more like a O-Ring) disintegrated, but I never really used it, and it had been sitting in there for 12 years. Other than that, the only complaint I'd have is the angled depth stop flexes too much. I'd definitely buy it again.
-- Scott, Irmo SC
#2 posted 07-05-2016 01:18 PM
That's a shame. I bought the same drill press several months ago and have been very satisfied with it. The laser on mine was dead center and I haven't noticed a terrible run out problem. Maybe you got a lemon.
#3 posted 07-05-2016 04:31 PM
I bought a WEN benchtop model through Lowes and it's the most robust well built tool I've ever owned. It's rock solid, quiet and came dead on out of the box….
#4 posted 07-05-2016 05:18 PM
Sorry to hear the bad luck.
-- I'm not clumsy.. It's just the floor hates me, the tables and chairs are bullies, the wall gets in the way AAANNNDDD table saws BITE my fingers!!!.. - Mike -
#5 posted 07-05-2016 05:29 PM
I was looking at that myself
-- Tony---- Reinholds,Pa.------ REMEMBER TO ALWAYS HAVE FUN
#6 posted 07-05-2016 06:30 PM
I have a bench top 2/3 HP craftsman and a Shopfox radial arm drill press. I have had the craftsman for somewhere around 20 years and the shopfox for around 5. Both are good for my needs. But, I use the craftsman for 95% of everything I do. I would buy both of them again. Sorry about your experience your experience with the Porter Cable. I have always had good luck with their tools.
-- Bob
#7 posted 07-05-2016 10:03 PM
I'll second dday. I have a wen 4210 I paid $114 for it and I love it. They make larger models too. I got mine from home depots web site.
#8 posted 07-06-2016 12:13 PM
Go Grizzly. You won't be disappointed.
-- Randy in Crestview Florida, Wood Rocks!
#9 posted 07-06-2016 05:37 PM
I have the same DP and mine was pretty much dead on. I had to tweak the lasers but that was it.
Are you sure the chuck was installed properly. I was surprised it was really just a friction fit and needed to be hammered in. Sounds like there was some debris preventing it from seating properly.
#10 posted 07-06-2016 11:23 PM
Don't let it deter you and go ahead and get one, if you get a good one it's a great deal. I tend to be unlucky with just about everything.
-Always get in the slowest line at the grocery store
So don't let my bad luck get in your way.
#11 posted 07-07-2016 01:59 AM
In my case, a benchtop drill press seems to take up too much space. Floor models seem actually easier to locate. That being said, I bought the same PC floor model, around $300. Had trouble dialing in the laser and decided just to scrap it (a decision made easier when I broke one of the mounting brackets). No matter, don't trust nor need lasers. Otherwise I have been very happy with this machine for about 4 years now. Guess I don't do a lot of really "precision" work with it, but it does what I need. Maybe a little runout(?) but not enough to bother me. At least I know that my holes are pretty close to 90 degrees.
#12 posted 07-07-2016 07:44 AM
That specific machine may have been a bad one i think Lowes will exchange it for another one. I would be more interested to hear about the design and practical use of the press drill. What are its limitations compared to more expensive models?
#13 posted 07-30-2016 06:10 AM
After much deliberation in trying to find a comparable dp value like the Porter Cable, I ended up buying another one at Lowes this afternoon. The manager was not happy about giving me the same 15% discount that the other manager had done. We waited roughly an hour for them to get it down from somewhere and they loaded it via the same forklift right into the back of my SUV. I hope all goes well this weekend and I can start making a table & fence for it.
#14 posted 09-01-2016 08:54 PM
Well today I finally got around to putting together the drill and this one is better. I labored with the installation until I came up with a good idea. I re-taped the box it came in and set it vertically on its side. Got my small 1-step stool in photo. Psyched myself up and lifted the motor onto the box. Then stepped up and transferred it onto the post. 1-man job. The stool shown is about 9" tall and I am 6-1.5" so make sure to get the right one for your height.
#15 posted 10-27-2016 08:06 PM
How is the run out on the new machine? Of all the Lowes in my area, there are only two new ones left. Thinking about buying one today, so if there is a problem, I can still return it for the last one? Of course they will be blowing out the floor models, and I could check the run out at the store before hand….
HHmmm decisions, decisions.
-- To Steal Ideas From One Person is Plagiarism; to Steal From Many is Research…
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Of late, I've been noticing new things in interstate highway rest areas. In 2008, I saw tornado shelters and wireless Internet in Texas roadside stops. In 2009, so far my new find is this children's play area stocked with toys. It's at the Colorado welcome center on I-70 (east side of the state next to Kansas).
The play room is about 20 x 20, which you cannot tell from this corner shot. What you also may not be able to see is the decorative image at the top. It's a cattle drive.
© 2009 Mary Bold, PhD, CFLE. The content of this blog or related web sites created by Mary Bold (www.marybold.com, www.boldproductions.com, College Intern Blog) is not under any circumstances to be regarded as professional, legal, financial, or medical advice. Or education advice. Or marital advice. Or even a tip.


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The future home of Scottish football remains uncertain after rival bidders were asked for more information.
The Scottish Football Association board delayed a decision on whether to stay at Hampden or leave for BT Murrayfield following a lengthy meeting on Wednesday.
It is understood that the governing body received detailed information within the last week which prompted board members to seek more time.
And they have asked for further information to allow them to come to a decision.
An SFA statement read: "After two days of very productive discussions the Scottish FA will continue to weigh up the decision on where to base the national team and host our William Hill Scottish Cup semi-finals and finals."
Chief executive Ian Maxwell said: "This decision will have a significant bearing on the game in Scotland.
"We have asked both parties for additional information to be submitted within seven days to allow a final decision to be made."
Hampden has been the undisputed home of Scottish football for more than a century but the SFA made it clear it would consider alternatives once the current lease runs out in 2020, after the stadium stages European Championship finals encounters.
After dismissing bids from Celtic and Rangers, the Scottish Rugby Union's offer to stage football internationals and major cup ties at Murrayfield remained the only alternative.
The SFA has held talks with Hampden owners Queen's Park about purchasing the stadium with a fee of about £2million discussed.
The ground is rented to the governing body and the SFA's wholly owned subsidiary, Hampden Park Ltd, runs the stadium.
A decision to leave the stadium on the south side of Glasgow would have major consequences for Queen's Park, Scotland's oldest football club. They remain an amateur outfit who play in Ladbrokes League Two.
Edinburgh-based Murrayfield has a capacity of 67,144 while Hampden can host up to 52,063 fans.
The SFA board consists of former Partick Thistle player and managing director Maxwell; president Alan McRae of Cove Rangers; Hibernian chairman Rod Petrie; Alloa chairman Mike Mulraney; Scottish league chief executive Neil Doncaster; the secretary of the Scottish Amateurs, Thomas McKeown; and independent director Ana Stewart.


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Lori Greenberg, M.Ed, is a Licensed Clinical Addiction Specialist, who has been working in the field of human services for over thirty-five years. Her interest in people started at the age of 14, when she began spending her Saturdays with children with developmental disabilities. Her passion has evolved into community support which has included: families and youth at risk; people with HIV/AIDS; persons affected by mental health needs, addiction, homelessness and concerns around the environment. While living in Vermont, Greenberg was an avid volunteer/supporter of the local monthly Gallery Walk, the annual Women's Film Festival, the HEALS Expressive Arts Loss Support Program, the AIDS Project of Southern Vermont and Brattleboro Community Radio. She moved to Asheville in 2010 and founded Aurora Studio & Gallery in May of 2012, where she has spent the last seven years developing its workshops.
Carol Anders, Board Member
Retired in 2006, from a 20 plus year career with Prudential Real Estate Affiliates, a national real estate relocation and real estate company. My duties included training real estate agents and sales managers in selling skills, and using franchise products & services. In addition, I was a business consultant to many of our mid-sized companies, coaching them in recruiting and team development practices. I was able to travel to 48 states, meet many interesting, passionate affiliates.
As a member of the Aurora Board I plan to orchestrate fundraisers, community awareness events and exhibits, as well as assist with workshops when needed.
Kelsey Holland, Board Member
My name a Kelsey Holland, I live in Asheville but am originally from Tuscaloosa, AL. I hold a bachelors and a masters in Social Work from the University of Alabama. I currently work as a LifeSet Specialist at Youth Villages. In my position I assist youth who are either coming out of the foster system, have a mental health diagnosis or just need a little extra support navigate through adulthood, with the end goal being independent living. I have a 11 year old lab and live near downtown with my boyfriend. I take kickboxing classes and enjoy hiking and staying active. While I lived in Tuscaloosa, I ran a theatre department at a local high school and directed for our local community theatre. I also sat on the development committee for our habitat humanity, and started a homeless veteran program partnered with the VA.
While I'm not an artist, I am a performing artist who has been passionate about the arts since I was five. I am very passionate about mixing the arts with mental health. I have also seen firsthand how Aurora can help someone who is struggling. I plan to assist Aurora with networking Aurora and event planning. I think Aurora has a lot of potential to grow and help so many people.
Barbara Kimbrell, Secretary
My name is Barbara Kimbrell (Barb). I am a soon to be 65 year old woman with a young heart. I recently semi-retired and work part-time at Second Springs Counseling doing DWI assessments. I am an author and currently writing my second book, Paper Planes. I am also an artist-in-the-making and am currently putting together a ten series mindful art therapy workshop to be held in the studio of my home. I have my Masters in Social Work and am a licensed clinical addiction specialist. I have worked over 30 years in human services and most recently was the substance use disorder counselor at the Women's Prison in Swannanoa. But more importantly, I am a person with a dual diagnosis: substance use disorder/addiction and depression. I have my own history and struggles which included hospitalization and shock treatments. I am a "thriver" and believe the arts and having a positive support network were a huge part in my ability to manage these issues and change my life. My belief is that we are much more than our diagnoses AND sometimes can even use them to aid us in being more compassionate, empathetic, creative individuals. A friend of mine volunteers with Aurora Studio(s) and told me about the need for volunteers. I have been intrigued by the possibilities ever since. And then I met Lori and became wrapped up in her vision and energy which convinced me that this was something I wanted to commit to. I believe in volunteering and have done so all my life. It is my way of making amends and giving back.
Brook Reynolds, PSS
"Creative expression has always been healing for me. Aurora gives me the opportunity to explore that process while in connection with others. Finding common ground, practicing acceptance, and being inclusive while exploring self-expression creates a shared experience of healing and growing. It brings my life meaning and joy to be a part of the community of mutually supportive artists that participate in Aurora." www.brookreynoldsphotography.com
Kyley Shurrona
Some call it luck, some call it God… or the universe itself, but on April 8th 2019 when I met Lori, they were all in my favor. From the time I became volunteer for Aurora, each second spent there has been a gift. As volunteer I assist in the coordination and execution of Aurora, helping beautiful people discover ways to grow, feel the freedom of expression, and become empowered regardless of traumatic/unhealthy circumstances. Little do they know, as someone diagnosed with depression and PTSD, being there with the group, beside others, creating and feeling… does much more for me than I could have ever anticipated.
I hold a love for expression and truth at my foundation, and from that, the creation of art was the first thing I heeded. "Artist" has been tied to me from about 5 years old. I have a great deal of experience working with those who are disabled and affected by mental illness. My ambition grew even more since meeting Lori, who embodies many of the same passions I hold. My business, called Kyley's Faces, is a dedication to advocacy and helping provide people with the recourses they need to prosper and find their truth. Check it out! And find more about me at KyleysFaces.bigcartel.com
OUR INTERNS – Fall Semester 2019
Hello, I'm Alice. I am really pleased with the opportunity to combine my passions of art and healing through community in my involvement with Aurora Studio. My artistic interests lay in pottery and dance, and I enjoy experimenting with all mediums of expression. I currently study anthropology at UNCA.


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Who We Are and What We Do
What is Scopio?
Hello! We're Scopio, a search engine and licensing platform for trending images and videos on social media. We offer businesses a way to license photos with customizable messages and build libraries of visual user-generated content. Subscribers usually use Scopio to search for images posted on relevant hashtags and keywords on Instagram and Twitter. You can also contribute photos directly, and we'll add them to our library.
We also run a grab-and-go image Marketplace. It's similar to a stock photo site, but with fair pricing and more authentic photos and videos sourced right from Instagram.
For right now, we're based out of New York City and St. Louis, Missouri.
How did you find my photo or video?
Curiosity! We're social media mavens that search out all the next trends, and we're always crawling Instagram and Twitter communities for brilliant posts. So nine times out of ten, we found your photo or video through a hashtag campaign or trend that either we or our Subscribers follow.
How can I sell my photos online with Scopio's Marketplace?
Scopio is looking for people like you that want to sell photos online (or even videos). We know you post one great photo or video to social media but have 10 more amazing ones on your phone, SD card or computer. You can submit photos or videos directly to us for publication on our Marketplace, and we'll promote them to brands.
Will you spam me if I add my email?
We do send out a fun stock-photo-versus-UGC newsletter. But don't worry, we'll never spam you endlessly or sell your information. We know how annoying spam emails from companies are. If you'd like to chat with us or follow us, you can do so by heading over to our Facebook, Twitter or Instagram pages.
What are valid file types for uploading?
We accept png, jpeg, jpg, gif, bmp, mp4 and mov files, but you can also email different file types to [email protected] We'll convert and upload them for you.
What is the maximum amount of photos I can upload at once?
As many as you'd like, but 50 photos at a time is best! Uploading more interesting, high-quality photos will increase your chances of being scoped out by companies and paid. If you want to submit your work, click here.
How do I know if someone uses my image?
If your submissions are downloaded and used via the Dashboard or Marketplace, we try to send you the link. You'll also be paid a sliding amount if your image or video is used outside of set digital purposes (Dashboard only). We'll notify you about payouts via email, so keep an eye on your personal inbox. We do photographer payouts near the end of every month.
How much will my photo or video sell for?
If a Scopio Dashboard Subscriber downloads or uses your submission for purposes other than digital uses, we will pay you. We generally pay contributors between $1 and $20 per submission, but payment can scale depending on a photo's use.
We're working mostly with social media users to line their pockets with some extra cash, but we're always working to scale up payments and functionalities for professional photographers and social media users alike. Scopio is actually a growing startup, so Dashboard payments are sure to increase in the future as we grow and get more Subscribers on board.
On the Marketplace, you'll receive 50% of the selling price of your image.
Can I resell my Scopio photo submissions?
Yes! All of your submitted photos would be non-exclusive, and you're totally free to re-sell them under other non-exclusive licenses.
Multiple Subscribers can also download your non-exclusive photo(s) from the Dashboard and Marketplace, so you'll have the potential to be published and/or paid* more than once. There's no additional work on your part for that. Your work will stay in our library to be used numerous times.
*If your post was discovered on the Dashboard, you will only be paid if a Subscriber uses your post for certain purposes, excluding digital uses.
Has someone published my photo or video yet?
We try our hardest to let you know via email. Don't worry if your photo isn't picked up immediately — it'll remain in our library to find a perfect match in the future.
When do I have to download Venmo?
You can download Venmo after we email you with payment details. If Venmo isn't available where you live, we can arrange payment via Paypal. Just let us know!
Who will publish my photo or video?
Our Subscribers include companies, brands, nonprofits, media outlets and people sponsoring live events. These people truly want to connect with their audience and expand their name by launching a hashtag campaign or following trends on social media. They're looking to use your unique images and videos in place of stale stock photos. Once a Subscriber reaches out to us, we curate brand-relevant images and videos from people like you.
When do I get paid?
We pay Contributors at the end of every month. If you're discovered on our Dashboard and are published outside of editorial or social media use, we'll send you an email alert with instructions for payment. We will also email you if your Marketplace image is purchased.
How do I get paid?
We'll arrange a payment method with you over email. We generally pay photographers using Venmo, but we also use PayPal for those outside the US. Payments for images on the Marketplace will differ from those on the dashboard.
Venmo isn't available in my country. Can I be paid via PayPal?
Yes, in our email to you you can respond back to us requesting this.
What happened? Why didn't you transfer my money?
We'll notify you by email as soon as we get word that your photo has been published and requires payment to you.
Licensing and Legality
When I submit my photos, where do they go?
When you submit your work to us, it's immediately stored on our database along with your contact information. This is private to the Scopio team.
We might choose to add your photos to our Marketplace where brands can scope it out.
Before I click into an unknown link, could you describe the picture and its purpose of use?
We're looking for authentic pictures and videos that companies can use to tell their stories. Companies are looking for your photos because they speak to people more than stock photos do. Our Subscribers generally use photos they license from Scopio in their blogs, websites, social media feeds, ad campaigns and marketing materials.
How does Scopio protect a photographer's work so it isn't scrapped or downloaded without a fee?
Scopio has a button that Subscribers use to download licensed photos and videos, and this is true both for the Dashboard and Marketplace. When we log in as administrators, we can view everything a Subscriber has downloaded in each of their campaigns. And needless to say, we do keep track of it carefully.
Near the end of every month, we log into Scopio's administrator site and see the new photos that Subscribers have downloaded. If publication of your photo or video requires payment, we then email you to set up a Venmo payment (PayPal is used if Venmo isn't available in your country).
We also promote our images and videos, so you might see them in a blog post or social media feed of ours.
Are images watermarked by Scopio so they aren't used freely without a license?
Besides the occasional compressed submissions we promote on our social media feeds or blogs, all of Scopio's licensed content is only available to paying Subscribers that have a username and password. If you're not a Subscriber of ours, it's actually not possible to view our photos and videos, as everything is behind a secure paywall.
On Scopio's Marketplace, we use a special feature that adds different layers of protection to your images. Among other things, it disallows saving images via right clicks, dragging and dropping them and adding them to Pinterest.
How do you ensure that the images are correctly billed for usage and what rights the Subscriber pays for?
We communicate with each of our Subscribers about how they're using the photos and plan photographer payments accordingly. Openness and honesty is an important policy here at Scopio, and we find that when we're real with Subscribers, they're real with us about how they're using the platform.
What happens after I give the rights to my photo away?
If you agree to a non-exclusive license, we request the rights to promote your photo or video to companies and brands. If it's used by a Subscriber outside of social media or editorial use, we'll pay you like a freelance photographer. However, Scopio still gives you additional sharing power. You can resell the photo or video under other non-exclusive provisions. Don't worry — you can still keep the image and leave the post up on social media, as well.
Will my image be sold commercially?
Hopefully, yes! It could be today, next week or even next month. It all depends on when the company decides to use it.
Will a company credit my Instagram or Twitter account if they use my photo?
It depends. The benefit of Scopio is that we treat you like a freelance photographer. That means that though the company can see your profile information on their dashboard or the Scopio Marketplace, they don't need to credit you for your photo. We do find that some brands credit you either way.
Do I get to resell my photo?
If the Subscriber asks for a non-exclusive license, then yes. This is the default license. You still own the photo and can sell it to anyone else you'd like under a non-exclusive provision. Additionally, your photo remains in our library and can be used by other Subscribers.
Can I agree to the conditions if I'm under 18?
No, you have to be 18 years old to sell photos online. Hang in there, slugger, or get a parent or guardian to sign the link with their email. Reach out to us at [email protected] if this happens.
Does the agreement apply for countries outside of the United States?
Of course! We live in a global village, so Scopio collects diverse content from over 80 countries. Our Subscribers search in all languages, so you may get a message in Italian or Spanish!
Can I give the rights away if it's not my image or video?
No, and this is very important. We will only request the rights from you if you're the original photographer. Let's keep it real here. If it's not your image, please let us know after we contact you, and don't agree to the terms as the agreement will be void. Honesty is the best policy, and it'll keep you out of legal trouble.
Will you take all of my pictures or videos from Twitter or Instagram?
No — we'll seek permission for each photo individually, but you can submit more pictures here. We can only ask for rights of photos that are personally shared with us or ones that we've scoped out ourselves through trending hashtags.
Will Scopio tell me who uses my images?
Many folks on our team are artists and photographers themselves, so we'll be sure to let you know when your photo is used. Since we collect images, it could be tomorrow or months from now when you're published ten or twenty times a day for companies that love your amazing photograph or video. Sit back and relax — we've stored your email to contact you when it happens.
Submitting Photos
I have other pictures. How do I submit them?
Scopio has a submissiom guide if you'd like to add more photos to our Marketplace library. More photos from you in our library means an increased chance of being scoped out in the future.
What kind of photos are companies looking for?
We have an array of Subscribers working toward different goals, so any type of great photo you've taken will work just fine, especially if it includes people. Right now we're looking for photos and videos similar to (but not related to) these categories:
Coffee shops
Workspaces, office life and entrepreneurship
City skylines
Check out our Instagram account for even more inspiration! We post photos nearly every week that are similar to ones our Subscribers want to use.
What size image do you prefer?
It's best to submit images at the largest size you have. This ensures that they can be published in print.
Scopio is the industry's premier search and licensing platform for images and videos on social media. We help companies find and use the photos and videos that matter to their audience, from capturing content to evaluating the analytics on campaigns. Wondering how you can leverage UGC to help you tout your brand? Request a demo with the button below or email [email protected]
The post Photographer FAQ: How to Sell Photos Online appeared first on Scopio.


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Presented by Ann Saladin: Should pro-lifers and parents support the Girl Scouts? The Girl Scouts (USA) say they take no position on abortion, but former Girl Scouts and pro-life leaders tell a different story. This workshop will help sort through much of the information available and will separate fact from fiction. Ann Saladin will document the problems, and explain why the Girl Scout controversy matters so much. Get the facts.
- Item #: Wksp25