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Title insurance: It’s another one of those mysterious fees buried inside the pile of paperwork you’ll receive at your loan closing. Who knows what it’s all about? All you’ve figured out is that lenders require a policy for their protection, and either you or the seller will have to pay for it — and then you’ll be asked if you want an owner’s title policy, too.Here’s how title insurance works, how to decide whether you need your own policy, and how much you can expect to pay. 492

TIJUANA, Mexico. (KGTV) -- A man was arrested in Mexico Thursday after authorities found six different suitcases and bags containing human remains in Tijuana, according to ABC 10News partner Televisa. Early Thursday morning, legs were discovered in a suitcase in front of the Tijuana Cultural Center. Around the same time, another suitcase with body parts was found in front of a pharmacy. A head was later found in a different location in Tijuana, Televisa reports. RELATED: Tijuana ranked most dangerous city in the worldA man identified only as Jonathan “N” was detained in downtown Tijuana. He was carrying another suitcase with human remains. According to Televisa, more than 113 homicides have been reported in the last three weeks. So far this year, more than 1822 murders have taken place in Tijuana alone. 824

Too few new antibiotics are under development to combat the threat of multidrug-resistant infections, according to a new World Health Organization report published Tuesday. Adding to the concern: It is likely that the speed of increasing resistance will outpace the slow drug development process.As of May, a total of 51 antibiotics and 11 biologicals -- medical products often made from natural sources -- are being developed, the new report said."The idea is that biologicals could replace use of antibiotics, which could help in overcoming the resistance problem," Peter Beyer, an author of the report and senior adviser to the WHO's Department of Essential Medicines and Health Products, wrote in an email.Seemingly, this large number of potential new drugs should suffice, yet it is not nearly enough.First, just 33 of the antibiotics in the pipeline target priority pathogens. This year, the WHO published a list of a dozen "priority pathogens": 12 separate families of antibiotic-resistant bacteria that pose the greatest threat to human health.Among the priority pathogens is a drug-resistant tuberculosis, which kills about 250,000 people around the world each year, and a variety of multidrug resistant strains -- Acinetobacter, Pseudomonas and various Enterobacteriaceae -- which are responsible for infections in hospitals and nursing homes and among patients whose care requires ventilators and catheters.Of the 33 potential medicines for treating priority bug infections, only eight are innovative treatments. The other 25 are simple modifications of existing families of antibiotics. At best, then, the 25 will serve as short-term solutions since it is expected bacteria will quickly adapt to and resist these new (though somewhat familiar) drugs, according to the WHO."It is difficult to speculate why companies develop specific new medicines," Beyer noted. "But in general many new treatments do not necessarily constitute advances over existing treatments."TB infections require a combination of at least three antibiotics, according to the new report, yet only seven of the new TB medicines are even in clinical trials. Soon, there will be a serious lack of treatment options for this infection, the report warns.The same is true for gram-negative pathogens, which can cause severe, often deadly infections typically in hospitals and nursing homes.Gram-negative bacteria have more complex cell walls than gram-positive, explained Beyer. "In a nutshell, it is more complex to develop a novel antibiotic that can penetrate the complex gram-negative cell wall and stay inside the bacterium," he wrote.Finally, the WHO sees too few oral antibiotics being developed. These are necessary "to target the critical priority pathogens (and) be accessible in low- and middle-income countries," Beyer noted.To address the problem of developing new antibiotics, the WHO and the Drugs for Neglected Diseases Initiative set up the Global Antibiotic Research and Development Partnership. However, new drugs alone cannot combat the threat of antimicrobial resistance. The WHO is also working to improve infection prevention and control while developing guidance for the responsible use of antibiotics."Always seek medical advice before taking antibiotics and then always follow the advice of the health-care professional," Beyer noted.The new report is a "fantastic (and very useful!) summary" of the antibiotic situation, wrote Bill Hanage, an associate professor of epidemiology at Harvard T.H. Chan School of Public Health, in an email. Hanage, who has also published studies of antibiotic resistance, was not involved in the new report.Although the risk of getting a completely resistant infection is low in the United States, about 2 million people each year become infected with "resistant enough" bacteria that are harder to treat, Hanage said. And every year, more than 20,000 people die of these infections."More resistant infections don't just mean you or someone you care about is more likely to die from one, they also mean healthcare will get even more expensive," Hanage said. "Many of the procedures we take for granted in medicine, from cancer treatments to surgeries, depend on our ability to handle infections that happen in the course of treatment."The number of new drugs in development is simply not enough, he said."The great majority will not make it into the hands of doctors or your treatment," Hanage wrote. "As the report states, for drugs to be used in humans they have to pass 3 hurdles, the phase 1, 2 and 3 trials. Drugs entering that pipeline have just a 14% chance of getting all the way through to be used in humans." 4676

Three different storm systems are threatening different parts of the United States and the Caribbean this weekend.Hanna becomes hurricane as it bears down on TexasHurricane Hanna made landfall on Texas’ Padre Island Saturday afternoon. The National Hurricane Center says the storm made landfall about 15 miles north of Port Mansfield with maximum winds of 90 mph.Hurricane #Hanna made landfall on Padre Island, Texas at 5 PM CDT with maximum sustained winds of 90 mph. Visit https://t.co/tW4KeFW0gB for details. pic.twitter.com/yIT12pXwjp— National Hurricane Center (@NHC_Atlantic) July 25, 2020 Hanna was upgraded to a hurricane Saturday morning as it moved toward the Texas coast, becoming the first hurricane of the Atlantic's 2020 season.Meteorologists say the biggest concern from Hanna is expected to be flash flooding. Up to a foot of rain and storm surge up to 5 feet is forecast for some areas.Local officials on Saturday asked residents to stay home and ride out the storm, but to also be mindful of the coronavirus pandemic.Officials said Friday that they were confident they'd be able to cope with the one-two punch of the storm and the state's surge in COVID-19 cases.Hurricane Douglas bears down on HawaiiHurricane Douglas in the Pacific Ocean is presenting new challenges to officials in Hawaii who are long accustomed to tropical storms.Meteorologists say Douglas should weaken by the time it hits Hawaii with strong winds, heavy rainfall and dangerous surf beginning Saturday night.Honolulu authorities are preparing extra shelter space so people can maintain physical distance from others during the COVID-19 pandemic.Evacuees at Honolulu shelters will have their temperatures taken. Those with high temperatures or with a travel or exposure history will either be isolated at that shelter or taken to a different site. Officials are also reminding residents to make sure they have masks and hand sanitizers in their emergency supply kits.President Donald Trump issued an emergency declaration for Hawaii on Saturday because of Douglas, directing federal assistance to supplement state and local response efforts.The National Weather Service on Saturday issued a hurricane warning for the island of Oahu, where the state’s largest city, Honolulu, is located.Hurricane #Douglas Advisory 22: Hurricane Douglas Continues to Move West-Northwest Toward Hawaii. Hurricane Warning Issued For Oahu. https://t.co/mbw53QNBXE— NHC Eastern Pacific (@NHC_Pacific) July 25, 2020 Maximum sustained winds decreased to about 90 mph by midday Saturday, making Douglas a Category 1 hurricane. The storm is expected to be near the main Hawaiian islands late Saturday and move over the state Sunday and Monday.Tropical Storm Gonzalo to move through CaribbeanTropical Storm Gonzalo is still on track to move across the southern Windward Islands later Saturday.Tropical Storm #Gonzalo Advisory 15A: Heavy Rain From Gonzalo Nearing Trinidad and Tobago. https://t.co/VqHn0u1vgc— National Hurricane Center (@NHC_Atlantic) July 25, 2020 Gonzalo is forecast to bring 1 to 3 inches of rain, with isolated totals of 5 inches.A tropical storm warning was in effect for Tobago and Grenada and its dependencies.The storm was expected to dissipate by Sunday night or Monday, forecasters said. 3284

There’s a new way to take an Uber and as long as you don’t mind a little walking it’s the cheapest option.Express Pool is the latest option for taking an Uber. Once you plug in your location, the new option will pop up on the bottom far left of your screen.A quick trial test of Express Pool found the service to be a dollar cheaper than Uber Pool. However, you'll have to walk a block or two to be picked up by your driver.The logic behind the new service is to help Uber drivers be able to drive in a straight line to pick up pool passengers. That way, there are no out-of-the-way stops.However, it could mean for a slower pickup time. Also, with any Pool ride from Uber, you will most likely share the ride with other riders.Despite walking out of the way and waiting a bit longer, a test of Express Pool still got riders to their destinations on time.  894