Fees That Are Non-Negotiable: 1  Title Fees: There are title fees associated with every loan that is closed, whether itâs an attorney or a title company. 2  But, you can shop around for title companies to see who has the cheapest fees. 3  Generally, they donât differ too much.
Orb (optics) A single orb in the center of the photo, at the person's knee level. In photography, an orb is a typically circular artifact on an image, created as a result of flash photography illuminating a mote of dust or other particle. Orbs are especially common with modern compact and ultra-compact digital cameras.
Orbs are also known as ghost orbs or spirit orbs and are often thought to be the souls of people. Most orb images, however, are caused by the camera flash, or light of some sort, reflecting off of something such as glass, mirrors, metal, walls, dust, pollen, lint, moisture, snow, hair, or even insects.