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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

This year, the number of school shootings in the United States has dropped tremendously because of the pandemic.According to the Center for Homeland Defense and Security, there has only been one shooting inside a school building since March; an accidental discharge of a firearm inside North Forney High School in Forney, Texas that happened before pandemic shutdowns began.It may be one silver lining in a year many wish to forget.But just because numbers are down, does not mean schools are not still prioritizing active shooter drills.According to Everytown for Gun Safety, a public advocacy group, 95 percent of K-12 schools implement active shooter drills, but the number can vary by state. For instance, in New York State, schools are required to have four lockdown drills per year, whereas in New Jersey the requirement is two.Since the pandemic started, most states have required those same number of drills despite some students choosing to learn from home, in-person restrictions, and social distancing.“We had to redesign the entire drill,” said John McDonald, executive director of security and emergency management at JeffCo Public Schools in Colorado. “We had to redesign what it looked like. How do you socially distance when you’re locking down?”McDonald laid the blueprint for school safety across the country when he was brought in by the JeffCo Public School District to implement new safety measures after the Columbine School Shooting in 1999.In the COVID-19 world, students in his school district are now learning about active shooter drills through a three-minute video presentation he helped design.“We have kids learning [these active shooter lessons] since kindergarten,” said McDonald. “So, this helps supplement that and reinforce that muscle memory.”In the Syracuse School District in New York, however, the drills are a little different than in Colorado.“I think that there’s always a need to balance the safety of the potentially very worst day with the challenges of safety and student well-being that schools face every single day,” said Jaclyn Schildkraut, a criminal justice professor at SUNY-Oswego.Schildkraut helped the Syracuse school district redesign its plans following COVID-19. Instead of the normal drills, where a full class might huddle together out of sight of windows, Schildkraut says students are now broken up into smaller groups of four students to help reduce close exposure to one another during drills.She says those groups also practice the drills on different days to keep things efficient.Schildkraut and McDonald agree that since the pandemic, the drills focus on threat assessment. In day-to-day school functions, COVID-19 is the primary threat to student safety, so social-distancing rules are implemented even during drills. But if an emergency arises, they say that becomes the more imminent threat so that will be treated as the priority, even if it means social distancing cannot be followed.“If we have to go into a lockdown while we’re in school, even in the COVID world, we’re going to go into lockdown because that’s the threat that’s in front of us in that moment in time,” said McDonald. 3167

They are all the rage right now, they help you find your family's history. "We've always wondered about the validity of my dad's side of the family and their claims about where we're from."Elizabeth Makos is as curious as we all are. "So we think we are half Italian, quarter Czechoslovakian and a quarter polish."She agreed to help put these DNA tests, to the test. Makos gave saliva samples three times, one for Ancestry DNA, 23 and Me and MyHeritage. We sealed them up and sent them off and waited about 6 weeks.We got her results back and here's what Makos thought of them."It's shocking. It is really shocking. I can't imagine what technology they employ to get these results," she said.It's shocking because her results were all over the place. When it comes to Eastern Europe, Ancestry said she was 49 percent Eastern European, but 23 and me and MyHeritage only put the percentage in the high 20s. "When we look at it for example, it says the Balkans here… one says 34 percent and one says 18 percent. A bit of a discrepancy there."Makos thought for sure she is 50 percent Italian. 23 and me and MyHeritage says she's closer to 30 percent. She even had some North African DNA."I would love to know," Makos said about having North African DNA. "I know I get really tan in the summer but I didn't know I got that tan… who knows."The companies don't claim to be perfectly accurate, and use different algorithms. MyHeritage told us in a Skype interview, it maps more parts of the globe that other companies."MyHeritage DNA has 42 ethnic regions with percentages and that's the most on the market, Rafi Mendelsohn, spokesperson for MyHeritage said."Mendelsohn encourages you to read the fine print including what companies might do with your DNA profile after testing."Personal information provided to MyHeritage is never sold, licensed or shared with any third parties, he said." Both Ancestry DNA and 23 and Me say your DNA could be used for medical research by its "partners" after your name has been stripped out. Peter Pitts, a former FDA associate commissioner said, watch out."Companies will tell you that they may sell the information but nobody can find you," Pitts said. "And that's not true. There's been studies done at Harvard for example where a couple of professors got genetic information that was supposedly anonymous and was able to figure out who the people were through very easy mechanisms."He says the results shouldn't be taken as gospel and companies say don't use the findings to make medical decisions. "People need to understand that what they're getting back is an interesting snapshot not necessarily accurate or clinically relevant," Pitts said. Makos said she's telling her friends to use the tests only for fun."I'm glad we did this because I probably would have just taken one test on my own and completely trusted the results. This was very eye opening for sure." 2972

Through music, New York City's "Hip Hop Public Health" is creatively reaching underserved communities. Using a variety of campaigns and health-related topics, they're not only getting local and national interest, they're getting noticed around the world. Their most recent release has to do with salt and uses a popular song from the 90s.You might recognize the song and tune, but this time, instead of "Let's Talk about Sex," "Let's Talk about Salt" stars the Grammy winning Cheryl "Salt" James from the musical group Salt-N-Pepa. The song is focused on preventing hypertension, which has a lot do with salt.“The reality is most people consume way too much salt. It’s ubiquitous in the American diet,” said the "Hip Hop Doc," who is also known as Dr. Olajide Williams. “I still haven’t fully embraced it but it's a fun name and whatever I can do to further the cause to inspire young children to be healthy, I’d embrace any moniker for that."Dr. Williams is a neurologist, public health expert, a professor at Columbia University, and chief of staff of neurology at Columbia University. As if that wasn't enough on his place, he's also the founder of Hip Hop Public Health.“I started it because of the tremendous disparities and inequities that flood communities of color.”Dr. Williams says that to affect systemic change, we need a multi-layered approach, which has a lot to do with communication.“Information – adequate, effective information doesn’t penetrate a lot of our marginalized communities of color sufficiently enough, effectively enough to enable, ignite and inspire behavior change,” said Dr. Williams, who also says there are often problems with the credibility of the messenger.Dr. Williams developed a model in which hip-hop icons deliver messages. People are drawn to the music which then connects them to the information. Hypertension prevention is just one of their missions. They've promoted inclusion and fought childhood obesity with Special Olympics.This past spring, they released "20 Seconds Or More" to empower youth with accurate information about COVID-19. CEO and Executive Director of Hip Hop Public Health, Lori Rose Benson, says “we’re hearing from schools all around the country, in fact all around the world, about how habits are changing.”Benson says their handwashing song was used at an international school in India.“We have a very strong infrastructure in terms of connecting with school communities. We work very closely with school districts all around the country, from New York City to Seattle to West Palm Beach, Florida, and Boston.”All of the resources are free, and their reach is crafted towards the platforms in which youth would engage. That includes things like social media websites and YouTube.According to a 2017 statistic from the American Heart Association, African Americans were 20% more likely to die from heart disease and African American women are 60% more likely to have high blood pressure. And affecting change, Dr. Williams says, starts with our youth.“We know that knowledge is power and when you’re empowered by knowledge, you can change your behaviors and operate a certain way and sometimes these behavior changes are the difference between life and death.”These efforts are culturally tailored to make a difference, which will hopefully have a huge impact on all of our futures. 3359

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