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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

Transportation Security Administration (TSA) is offering up several tips to help travelers avoid a nightmare at the security checkpoint during the week of Halloween at the airport.TSA said when it comes to masks, they ask that you refrain from wearing a Halloween mask until after you made it through the checkpoint screening. They ask that you wear a face-covering that's used to help stop the spread of COVID-19. TSA officers will ask you to remove your mask, temporarily, just so they can verify your identity at the travel document checking podium.When it comes to wearing a costume, TSA recommends you wear it after you go through the checkpoint because it could trigger an alarm, which would lead to you getting patted down.TSA also recommends that you put "realistic replica props" like pitchforks, chainsaws, brooms, or axes in your checked bag. They added that if you do put weapon-like props, like a bomb or grenade, into either your checked bag or carry-on, you run the risk of slowing down checkpoint until it's proven they are in fact fake or your checked bag not making it onto your flight.For the final tip, TSA said you are fine packing as much candy or treats you want in your checked bag or carry-on.To see what you can or cannot put in your checked bag or carry-on, you can get more answers on the TSA app to access their "Can I Bring?" feature to find out if it's something you should pack or not. 1425

Thousands of youth sporting events were canceled this spring due to the COVID-19 pandemic.It's tough enough that kids are missing a whole season of baseball or soccer. But now, soccer moms and dads everywhere are growing frustrated.Many paid hundreds of dollars for their kids to participate in spring soccer leagues that ended up canceled, and refunds are turning out to be elusive. Some families paid over ,000 for two children to join private clubs.One weekend of play, 0 goneJulie Hooper is the mother of a third-grader who only got to play one weekend before the season was shut down."For the spring soccer league, we paid 5," she said.When parents called the head coaches after the cancellation, they did not get what they had hoped."We asked where our money is, and they are keeping all of it and told us we get a 10% discount if we sign up for next season," she said.Hooper said she would understand had they at least continued training, but there have been no tournaments, games or practices, and the club still has the parents' money."I've heard from other teams, other clubs, that they would get money back from tournaments not played," she said.Where is the money?But many clubs are not giving refunds. News reports and Facebook complaints show soccer parents nationwide are asking where the money has gone.Some teams say they prepaid for tournaments and are having problems getting those deposits back from larger sporting organizations. Others say much of the money went to field maintenance and insurance, and those funds are gone for good.Hooper said she doesn't expect a full refund, but "to pay 5 and get so little, it just seems like we should get something back. We feel we are deserving of that because we are all going through hard times."Some soccer clubs are applying for federal pandemic assistance and using that money to refund parents because they say they simply don't have the cash in the bank to give families their money back.As always, don't waste your money.________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money-saving advice, go to www.dontwasteyourmoney.com 2275

There are many questions and few answers after President Donald Trump announced that he and first lady Melania Trump have tested positive for the coronavirus.One thing is for sure: The ripple effects from Trump’s diagnosis are extensive.The president said he and the first lady will isolate following their confirmed positive coronavirus test. That means Trump’s visit to Florida on Friday for a scheduled Make America Great Again rally is off. He was also scheduled for a roundtable with supporters in Washington on Friday. That is now canceled.Only one event now remains on Trump’s schedule for Friday: A phone call on COVID-19 support to vulnerable seniorsAlso, senior Trump aide Hope Hicks is isolating at home after she is confirmed to have the virus. It is unclear if other staffers who were in contact with Hicks and the president have also come down with the virus. Both Trump and Hicks were seen on Wednesday in Marine One in close contact with other staffers including Jared Kushner.With a now confirmed outbreak of the coronavirus inside the White House, a number of senior staffers, Secret Service agents, aides and others may be required to quarantine. How the White House will function with a president in isolation and senior staff in quarantine remains in question.But the president’s physician showed optimism that Trump can continue his duties as president.Dr. Sean Conley said, "Rest assured, I expect the President to continue carrying out his duties without disruption while recovering and I will keep you updated on any future developments."The CDC says that for those with confirmed coronavirus cases, isolation is necessary for 10 to 20 days.“For most persons with COVID-19 illness, isolation and precautions can generally be discontinued 10 days after symptom onset and resolution of fever for at least 24 hours, without the use of fever-reducing medications, and with improvement of other symptoms,” the CDC said. “A limited number of persons with severe illness may produce replication-competent virus beyond 10 days that may warrant extending duration of isolation and precautions for up to 20 days after symptom onset; consider consultation with infection control experts.”There are also questions on how this impacts Joe Biden’s campaign. Biden shared a stage with Trump on Tuesday, and senior staff of both candidates sat in the audience for Tuesday’s debate.Also, questions on what role Vice President Mike Pence will be forced to play in the coming weeks is in question. 2511

TORRANCE, Calif. (CNS) - A woman who was captured on video making a pair of racist rants aimed at Asian Americans at a Torrance park in June is set to be arraigned in October on a separate battery charge dating back to last fall.Lena Hernandez, 54, identified by prosecutors as a retired social worker from Long Beach, is accused of verbally assaulting a custodian at the Del Amo Mall in Torrance last October, and then physically attacking a female bystander who tried to intervene.Hernandez was charged with battery last Thursday and arrested the following day by Torrance police, according to online jail records. She was released later that day on zero bail, under a special schedule set to help prevent the spread of COVID-19.RELATED: Police open investigation into viral video of racist incidentHer arraignment is set for Oct. 5.Hernandez was the subject of two viral videos taken June 10 which showed her going on racist rants against Asian Americans in Wilson Park on Crenshaw Boulevard.The Torrance city attorney's office concluded "there is insufficient evidence to support filing any criminal charges against Ms. Hernandez" in connection with those incidents."A prosecutor in a criminal case shall not institute a charge that the prosecutor knows is not supported by probable cause. Currently, there are critical gaps in the evidence regarding how each incident unfolded that result in the lack of necessary certainty required to initiate criminal prosecution against any suspect," according to a statement the city attorney released last Thursday.In the first case, a woman later identified as Hernandez was caught on video verbally accosting a young woman exercising at the park."Go back to whatever (expletive) Asian country you belong in," Hernandez yelled. "This is not your place. This is not your home. We do not want you here."An Asian man posted a video online showing him and his son being accosted and threatened by Hernandez on the same day."You need to go home," Hernandez tells the man as she walks up and stands so close that her image fills his phone screen. "I don't care about your Facebook or your video. Do you know how many people can't stand you being here? You play games, we don't play games."After threatening the man and telling him he had parked his car too close to hers, Hernandez mockingly called him a "Chinaman."The videos prompted hundreds of people to gather on June 12 at Wilson Park to protest the racist behavior, and city officials held a news conference to identify Hernandez and ask for the public's help to locate her."Our hope is that the members of our community will never have to endure such treatment," Torrance Police Department Chief Eve Berg said then.The city attorney's office said it could not be swayed by public sentiment."It is a prosecutor's solemn duty to analyze a case based on the evidence and triability and not based on politics or public sentiment unrelated to the likelihood of prevailing before a jury," the Thursday statement read. 3016