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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

Transgender members of the military will be able to re-enlist for service while President Donald Trump's directive barring transgender recruits is under review, the Pentagon has confirmed."Transgender service members whose term of service expires while the interim guidance is in effect, may, at the service member's request, re-enlist under existing procedures," US Army Col. Rob Manning, a Department of Defense spokesman, told reporters Friday. "Current transgender service members will continue serve throughout the military and continue to receive necessary medical treatment as prescribed by their medical provider in accordance with the Military Health System guidance."This is the first time the Pentagon has explicitly acknowledged that transgender service members will be able to re-enlist while it reviews Trump's ban on transgender recruits. 861

Three freshmen on the UCLA men's basketball team accused of shoplifting in the Chinese city of Hangzhou could be months away from returning home while the legal process in their case plays out.ESPN, citing a source with firsthand knowledge, reported Wednesday that LiAngelo Ball, Cody Riley and Jalen Hill were released on bail after being questioned about stealing sunglasses from a Louis Vuitton store near the team hotel. ESPN's LA-based reporter Arash Markazi is covering the team from China.Chinese officials wouldn't confirm the ESPN report that Ball, Riley and Hill were arrested. Hua Chunying, a spokeswoman for China's Foreign Ministry, said the case had been reported to US authorities. "China is handling this case in accordance with the law, and will guarantee the rights in accordance with the law, for those involved in this case," she said.Ball's father, LaVar, who is in China, said in a statement on social media that the process "could take ... months.""Ball, Riley and Hill are being required by Hangzhou police to remain at their hotel until the legal process is over, which could take days, weeks or even months," he said. "The hope is obviously sooner rather than later."If convicted of grand larceny, the players could face a prison sentence of between three and 10 years, according to Chinese criminal law.UCLA is in China for a week-long visit and is scheduled to open its season in Shanghai on Saturday against Georgia Tech. When asked about the arrests at a news conference, UCLA Coach Steve Alford said the players in question would not play in Saturday's game.LiAngelo Ball is a younger brother of former UCLA star Lonzo Ball, now a rookie with the Los Angeles Lakers.In a statement on Weibo earlier Wednesday, LaVar Ball called the incident "unfortunate to both the Ball family and UCLA."Cooperation and consternationUCLA, one of the United States' premier college basketball programs, says the university is cooperating fully with local authorities."We are aware of the matter involving UCLA student-athletes in Hangzhou, China and we are gathering more information," UCLA Associate Director of Athletic Communications Alex Timiraos said in a statement.Larry Scott, commissioner of the Pacific 12 Conference, of which UCLA is a member, said in a statement that the student-athletes "were involved in a situation" and were cooperating with local authorities."We are very disappointed by any situation that detracts from the positive student-athlete educational and cultural experience that this week is about," the statement said. "Whether in the United States or abroad, we expect our student-athletes to uphold the highest standards."News of the incident broke as US President Donald Trump landed in China, part of a trip to five Asian nations.A spokesperson from the US State Department told CNN it is "aware of reports of three US citizens arrested in China. We stand ready to provide appropriate consular assistance for US citizens."Due to privacy considerations, the State Department declined to comment further.The UCLA team was in Hangzhou to visit the headquarters of Alibaba, the e-commerce giant which is sponsoring Friday's game.The Ball familyLiAngelo Ball, a freshman, is the middle child of LaVar and Tina Ball. Their youngest son, LaMelo Ball, is in high school.The outspoken LaVar Ball has made regular headlines with his provocative comments since eldest son Lonzo began starring at UCLA last year. A former college basketball player who has been training his sons since they were kids, LaVar Ball said he could beat Michael Jordan one-on-one and that Lonzo, while still in college, was better than two-time NBA MVP Steph Curry.Lavar also predicted all his sons will eventually play for the Lakers.He is already a third of the way there. Lonzo Ball was selected second overall by the Lakers in the 2017 NBA draft and is seen as a building block for the team's future.The family stars in its own reality show on Facebook, "Ball in the Family," and boasts an athletic apparel line, Big Baller Brand. Its first sneaker, the ZO2, raised eyebrows when it was priced at 5.LaVar, Tina and LaMelo Ball went to China to watch LiAngelo play his first game as a Bruin and promote the opening of a Big Baller Brand pop-up shop in Shanghai.  4295

This LeBron James card just sold at @GoldinAuctions for .8 million, the record for a modern day card. Winner is @LeoreAvidar, who says purchase is part of strategy to “bring something big to the collectibles and alternative asset business in the coming months.” pic.twitter.com/rN9lepvVpE— Darren Rovell (@darrenrovell) July 19, 2020 343

There is nothing like the sound of a baby's cry and for a new mom like Whitney Eberhardt, it can be daunting.“When you first come home from the hospital you have no idea what you are doing and when they are crying you sometimes have no idea why. So, it’s nice to have something to help you out,” said Eberhardt.On average, doctors say a newborn can cry a total of 2 hours a day, and that’s why Dr. Ariana Anderson of UCLA created the app, Chatter Baby.“I thought it would be good to make a device that would help new parents and possibly deaf parents. So, when they were around their baby crying and said, why is my baby crying they would have some sort of answer,” said Dr. Anderson.Chatter Baby is in its infancy stage and currently only gives three reasons for your baby crying. The three reasons are when a baby's in pain, fussy or hungry.Eberhardt tried out the app and said it is easy to use. You press record for five seconds as your baby is crying and the app will then compare the cry to the sounds in a database to determine a reason. The Chatter Baby database of cries was created with the help of new parents.“We think the best judges of the baby are parents themselves. We had the parent initially label the cry. So a mother would say, my baby is hungry, so if two other mothers agreed with that description of the babies cry then we would include that cry in our data base,” said Dr. Anderson.Certain cries have a different acoustic sound. For example, babies who are in pain might have a cry with high energy or a fussy cry may have more periods of silence.“Once we had an agreement amongst the mothers we trained artificial intelligence algorithms to look for patterns in the cry that were specific to hunger to pain to fussiness,” said Dr. Anderson.With the help of artificial intelligence, Chatter Baby’s algorithm claims 90% accuracy whether your baby is crying or not and correctly flags more than 90% of pain cries.However, as you get more comfortable knowing why your baby is crying, you can tweak the app yourself to make it more accurate.“We want to have a way for parents to revise, update and improve the algorithym.so the algorithm gets returned to their specific baby,” said Dr. Anderson.Eberhardt said the app is a great safety net for all new parents.  2315