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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
There was a simple explanation in October 2017 when a Department of Homeland Security official was asked why a memo justifying ending immigrant protections for Central Americans made conditions in those countries sound so bad."The basic problem is that it IS bad there," the official wrote.Nevertheless, he agreed to go back and see what he could do to better bolster the administration's decision to end the protections regardless.The revelation comes in a collection of internal emails and documents made public Friday as part of an ongoing lawsuit over the decision to end temporary protected status for hundreds of thousands of immigrants who live in the US, most of whom have been here for well over a decade.Friday's document dump come as backup for the attorneys' request that the judge immediately block the government's decision to end these protections as the case is fully heard. A hearing is scheduled for late September.In the emails, Trump administration political officials repeatedly pushed for the termination of TPS for vulnerable countries, even as they faced pushback from internal assessments by career staffers and other parts of the administration.In one exchange, the now-director of US Citizenship and Immigration Services, Francis Cissna, remarks that a document recommending that TPS for Sudan be terminated reads like it was going to recommend the opposite until someone was "clubbed ... over the head." 1439

Today I announced bold legislation that creates new criminal offenses and increases penalties for those who target law enforcement and participate in violent or disorderly assemblies. We will always stand with our men and women in uniform who keep our communities safe. pic.twitter.com/ITl5GmmrZJ— Ron DeSantis (@GovRonDeSantis) September 21, 2020 355
Thursday is World UFO Day.The holiday is a day for the UFO community to come together to celebrate their beliefs in extra-terrestrials, according WorldUFODay.com. The website says the day is also used to encourage governments to declassify their knowledge about sightings.People can recognize the day by watching UFO movies and chatting with friends about the possibility of alien life.“The most important thing is that people collectively open their minds to the subject for one day and send out the message mentally that UFOs are welcome on this earth,” the website says.One popular topic among UFO enthusiasts is Area 51, where conspiracy theorists believe the U.S. government stores and hides alien bodies and UFOs.The U.S. government's official name for Area 51 is the Nevada Test and Training Range, which is a unit of the Nellis Air Force Base. Today, it’s used as an open training range for the Air Force.Just a few months ago, the Pentagon actually declassified three previously leaked top-secret U.S. Navy videos in an effort “to clear up any misconceptions by the public on whether or not the footage that had been circulating was real or whether or not there is more to the videos,” Pentagon spokesperson Susan Gough said.Gough added that the “aerial phenomena” in the videos remains characterized as “unidentified.”The National UFO Reporting Center, which maintains statistics about global UFO sightings, says there were just over 3,700 reported sightings in 2018 and more than 6,800 in 2019. So far in 2020, nearly 4,700 UFO sightings have been reported.The center’s data shows an uptick in the amount of UFO sightings reported over the past 30 years.Happy #UFOday! The National UFO Reporting Center reports that sightings are on the rise with 3,700 in 2018 and 6,889 in 2019. There have been 4,688 so far in 2020 but still no clear pictures despite everyone carrying amazing cameras... #iwantobelieve https://t.co/CYBoiOsGcf pic.twitter.com/tKsMbIgm13— Statista (@StatistaCharts) July 2, 2020 CNN contributed to this report. 2047
There is no God -- that's the conclusion of the celebrated physicist Stephen Hawking, whose final book is published Tuesday.The book, which was completed by his family after his death, presents answers to the questions that Hawking said he received most during his time on Earth.Other bombshells the British scientist left his readers with include the belief that alien life is out there, artificial intelligence could outsmart humans and time travel can't be ruled out.Hawking, considered one of the most brilliant scientists of his generation, died in March at the age of 76."There is no God. No one directs the universe," he writes in "Brief Answers to the Big Questions.""For centuries, it was believed that disabled people like me were living under a curse that was inflicted by God," he adds. "I prefer to think that everything can be explained another way, by the laws of nature."Hawking suffered from amyotrophic lateral sclerosis (ALS), a neurodegenerative disorder also known as Lou Gehrig's Disease, for most of his adult life.The scientist died while still working on the book, which his family and colleagues finished with the help of his vast personal archives.'Increasingly looking inward'While Hawking spoke of his lack of belief in God during his life, several of his other answers are more surprising."There are forms of intelligent life out there," he writes. "We need to be wary of answering back until we have developed a bit further."And he leaves open the possibility of other phenomena."Travel back in time can't be ruled out according to our present understanding," he says. He also predicts that "within the next hundred years we will be able to travel to anywhere in the Solar System.""He realized that people specifically wanted his answers to these questions," the scientist's daughter, Lucy Hawking, who helped complete the book, told CNN.Hawking saw the world on the brink of a "vast transformative change" when he died, she noted, adding: "He's asking us not to go into the future blindly. How good is the track record of the human race in using advances in technology for the good of ordinary people?"In remarks prepared by Hawking and played at the launch of the book in London on Monday, the scientist also turned his attention to the world he was leaving behind."With Brexit and Trump now exerting new forces in relation to immigration and the development of education, we are witnessing a global revolt against experts, and that includes scientists," Hawking said.Hawking had been a critic of the United Kingdom's decision to leave the European Union, and called Donald Trump a "demagogue" in 2016.His greatest concern, his daughter said, "is how divided we've become," adding: "He makes this comment about how we seem to have lost the ability to look outward, and we are increasingly looking inward to ourselves."Hawking's final message to readers, though, is a hopeful one.Attempting to answer the question "How do we shape the future?" in the book's final chapter, the scientist writes: "Remember to look up at the stars and not down at your feet." 3096
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