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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

Three Florida police officers were sentenced to prison this week for intentionally making false arrests for burglary, according to the Department of Justice.Former Biscayne Park Police Chief Raimundo Atesiano worked with three former officers, Guillermo Ravelo, Charlie Dayoub and Raul Fernandez to falsely arrest several victims to?keep their?burglary clearance rate at 100%, according to the Department of Justice. One of the victims was a teenager.Throughout Atesiano's tenure as the Biscayne Park police chief, he encouraged officers to falsely arrest individuals with no evidence or probable cause to cover for all reported burglaries, according to the DOJ."These three police officers from Biscayne Park disgraced themselves and damaged the public's trust in law enforcement," Special Agent in Charge of FBI Miami Robert F. Lasky said in a statement.Following directions from Atesiano, Ravelo falsely arrested a victim known as "C.D." in January 2013, and another victim identified as "E.B." in February 2014, on burglary charges without any legal standing, according to the Department of Justice.Ravelo was sentenced Thursday to 27 months in prison. Family members and friends at Ravelo's sentencing described him as a devoted father who was active in church,?the Miami Herald reported.In an unrelated incident, Ravelo responded to a traffic stop in April 2013. During the stop he arrested and used unreasonable force by punching the handcuffed driver, according to court filings.Under similar direction from Atesiano, Dayoub and Fernandez falsely arrested a teen referred to as "T.D." in June 2013.Dayoub and Fernandez were each sentenced to 12 months in prison earlier this week for their part in falsely arresting 16-year-old "T.D." for four unsolved burglaries, per the DOJ. The officers cooperated with the government and directly implicated Atesiano."This absolute abuse of power by all three officers violated every aspect of the oath Ravelo, Dayoub, and Fernandez took the day they became police officers," State Attorney Katherine Fernandez Rundle said.Atesiano pleaded guilty to a conspiracy charge. He is scheduled to be sentenced on November 27. 2172

Trade war fears are rattling Wall Street as President Trump prepares a crackdown on China.The Dow dropped 724 points when the Dow closed on Thursday, underlining growing concerns among investors about looming tariffs on China."A global trade war, whether it's real or perceived, is what's weighing on the market," said Ian Winer, head of equities at Wedbush Securities. "There's this huge uncertainty now. If China decides to get tough on agriculture or anything else, that will really spook people." 513

TIJUANA, Mexico (AP) — The woman crawled under first, squeezing face down through a gap dug under the border fence. The space is only a few inches high, and her feet kicked dust into the air as she wiggled. Next was her 3-year-old daughter, dressed in a pink sweat suit, pushed through to the California side on her back and feet first by a man who stayed in Mexico.The mother anxiously urged them on. "Hurry," she said. "I'm right here. It doesn't matter if you get dirty."Fifteen seconds later, the mother and daughter from Honduras were together in the U.S. And soon a U.S. Border Protection agent approached on an all-terrain vehicle to take them away in custody.U.S. Customs and Border Protection said Tuesday that the San Diego sector has experienced a "slight uptick" in families entering the U.S. illegally and turning themselves in to agents since the caravan of Central American migrants arrived in Tijuana two weeks ago.Thousands of migrants on the Mexico side of the border are living in crowded tent cities in Tijuana after a grueling weekslong journey through Mexico on foot and hitching rides with the goal of applying for asylum in the U.S. Frustrated with the long wait to apply, with the U.S. processing 100 requests at most each day, some migrants are trying to cross over clandestinely.Rachel Rivera, 19, told The Associated Press that Honduras had become unlivable. Moments before flattening herself under the fence, she said she was slipping through to the U.S. in an attempt to "give a better life" to her daughter Charlot.An AP video journalist also witnessed more than two dozen migrants scale a fence between Mexico and the U.S. on Monday evening. Once across, entire families raised their hands before border patrol agents who arrived swiftly in white trucks.It's unclear where the families were taken from there.On a typical day before the caravan arrived in Tijuana, U.S. border patrol agents in the San Diego area detained about 120 or so people trying to cross the border illegally from Mexico.President Donald Trump issued a proclamation in November suspending asylum rights for people who try to cross into the U.S. illegally. Rights groups question the legality of that proclamation.U.S. Customs and Border Protection spokesman Ralph DeSio said the U.S. was trying to deter illegal crossings by issuing the proclamation.The U.S. has an established process for asylum seekers to present themselves in an "orderly" manner at a port of entry, DeSio told AP via email. "When people choose to ignore that process, they put themselves in danger and, in the case of families, they choose to put the lives of their children at risk."Trump took to Twitter again Tuesday to drum up support for a better border wall, arguing that the expense would be less than the U.S. incurs each year due to illegal immigration.People mainly from Honduras but also from El Salvador and Guatemala formed the caravan to Tijuana, seeking safety in numbers while crossing Mexico to avoid criminals and the fees demanded by the gangs that prey on migrants. Dozens of the migrants have told AP they are fleeing poverty and searching for a better life, while many also tell of harrowing violence and death threats back home.Margarita Lopez, a migrant from Honduras, said she would definitely jump the fence to the U.S. if she got the chance. But in the meantime, Lopez stood in line Tuesday to request a humanitarian visa from Mexican officials that would allow her to live and work in Mexico for a year.Standing nearby, Luis Fernando Vazquez, a migrant from Guatemala, said he won't make a run for the border."I'm not like that," he said. "I prefer to work, to behave well, here." 3691

There have been 12 Hurricane Irma-related deaths throughout the state of Florida, Alberto C. Moscoso, a spokesman for Florida Division of Emergency Management, said Tuesday evening.As nightfall approached Tuesday, many people from South Carolina to Florida were staying in darkened homes, dealing with fallen trees and blocked roadways, and hoping they could find gas.The situation in the Sunshine State was trying the patience of people who rode out the storm and those who came home to find widespread devastation and access to their neighborhoods limited at times.Photos of Hurricane Irma's destruction?Power outages in Florida affected almost 5 million homes, organizations and businesses, among them gas stations, which need the electricity to keep pumps working.Two days after Irma made landfall on Cudjoe Key, authorities and a few residents were finally able to reach some of the Florida Keys on Tuesday.What they found was devastating: Based on initial estimates, 25% of the houses on the chain of islands have been destroyed, the Federal Emergency Management Agency said Tuesday. Another 65% suffered major damage."Basically, every house in the Keys was impacted some way," FEMA Administrator Brock Long said.It's still not clear how many casualties Irma caused on the Keys.It's a long wait for those sifting through what's left of their homes throughout Florida in the oppressive heat and high humidity -- doing so while they wait for the power, and thus the air conditioning, to come back on.All customers who lost electricity on the eastern side of the state will likely have power restored by the end of this weekend, Florida Power & Light said Tuesday.An FPL official told reporters at a Broward County news conference that of the 790,000 customers in that county who lost power, 330,000 had their electricity restored Tuesday.The company is focusing its efforts first on schools, hospitals and other critical infrastructure. Gas stations and restaurants are next on the plan, the official said.Customers on the west coast of Florida, where Hurricane Irma made its final landfall, will likely have power restored by September 22, the company has said.But residents like William Rose have bigger concerns. Rose still can't reach his family on the Florida Keys, where about a quarter of the islands' houses are annihilated.He's not sure whether his mother, stepdad, grandmother and aunt survived Irma's wrath."I have no idea, but I'm trying to stay positive," Rose said.Before the Keys lost cellphone service, Rose received a text from his mother, who chose not to evacuate."This is terrible. I will never do this again," the text read. "I'm so glad you got out." 2688

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