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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 is already one of the most active for Atlantic storms and hurricanes. Now, the National Weather Service says, as if 23 named storms were not enough, there is a “zombie tropical storm.”NWS tweeted about the phenomenon Tuesday morning. “Because 2020, we now have Zombie Tropical Storms. Welcome back to the land of the living, Tropical Storm Paulette.” 368

This pandemic holiday season, the last thing you need is too have your power disconnected.But Lisa Shook , who manages a home inspection company, recently got a call from someone claiming to be with their electric company."He said he was going to be in our driveway to cut off our services," she said.Shook handed the phone to owner Rob Wells, who was told he was behind on his bill, and would be cut off if he didn't pay immediately."He said we needed to pay 7 or they would disconnect the electric," Wells said, saying the man demanded a debit or credit card number.It sounded legit, as the caller knew the name of his business, and more.So this expert who normally inspects houses inspected his records, and realized he was not behind on his bill after all.But it may have been too late: Someone emptied his debit card a short time later."Everything got hacked, my credit card, everything," he said.It was all a scam. He is now working with his bank to repair the fraud charges.Easy to believe the caller's claimsLast year, one church almost lost ,000.Donald Kincaid is an Episcopal church groundskeeeper. He was shocked when he received a call from the power company claiming the church had fallen behind on its electric bill."The caller said that the gas and electric would be cut off in about a half an hour because the bill hadn't been paid," he said.The caller couldn't have been more clear. Unless the church paid the money immediately, workers would shut its power off.The caller said that to avert a shutoff, Kincaid needed to buy nearly ,000 in Green Dot Visa cards" and send it to them, giving them the number on the card."The church almost fell for the power disconnect scam, which targets homeowners, small businesses and now churches.Energy companies around the country remind customers that they will never call you threatening immediate disconnection.Duke Energy spokesman Lee Freedman says if you are behind on your bill, they will send you several notices first, and will never demand you pay immediately by debit or gift card.So hang up, and call your provider at the number on your bill, not the number the call came from.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 Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 2494

TORONTO (AP) — The United States has agreed with Canada and Mexico to extend their agreement to keep their border closed to non-essential travel to July 21 during the coronavirus pandemic. Canadian Prime Minister Justin Trudeau said Tuesday's agreement extends the closure by another 30 days. "This is an important decision that will keep people in both of our countries safe,” the prime minister said in his daily press conference. Americans who are returning to the U.S. and Canadians who are returning to Canada are exempted from the border closure.Acting Department of Homeland Security Secretary Chad Wolf issued a statement Tuesday on why extending non-essential travel restrictions with Canada and Mexico was necessary. "The Department of Homeland Security will ensure that the measures taken at our borders will protect America from all threats, including threats against the health and safety of our citizens," Wolf said in the statement. "Based on the success of the existing restrictions and the emergence of additional global COVID-19 hotspots, the Department will continue to limit non-essential travel at our land ports of entry with Canada and Mexico. This extension protects Americans while keeping essential trade and travel flowing as we reopen the American economy. The Department of Homeland Security is in close contact with our Canadian and Mexican counterparts regarding this extension, and they agree on the need to extend their non-essential travel restrictions as well. I look forward to continuing to work with our neighbors to maintain essential trade and travel while protecting the health of our respective citizenry." The Mexican Embassy in the United States said in a series of tweets that the decision came "after reviewing the development of the spread of COVID-19 in both countries." 1829

Three months ago, Tree of Life Rabbi Hazzan Jeffrey Myers took to his congregation's blog and bemoaned the scourge of gun violence and the failure of lawmakers to address the problem.Three months later, that menace entered his sanctuary. A gunman stepped into the Pittsburgh synagogue as congregants observed Shabbat. Multiple casualties were reported, including congregants and police. At least four people died and a suspect has been taken into custody.Myers' message this summer now represents grim relevance for his congregation, a religious community affiliated with the Conservative branch of Judaism and is located in Squirrel Hill, the city's well-known Jewish enclave."Despite continuous calls for sensible gun control and mental health care, our elected leaders in Washington knew that it would fade away in time," Myers wrote in a blog post last July titled "We Deserve Better" that made reference to the massacre at Stoneman Douglas High School in Parkland, Florida. 986

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