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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

TIJUANA, Mexico (KGTV) — Health conditions continue deteriorating Friday in Tijuana where thousands of migrants are camping, contributing to the opening of a second shelter 45 minutes away.The new shelter in an area known as El Barretal has a roof, dry floor and can house 3,000 migrants, Rodolfo Olimpo, a representative from Baja California State's Special Committee on Migration Issues said. Friday, about a thousand were shuttled by bus to the new shelter. There are no lighting fixtures, but migrants are using portable lights as well as flashlights.In the first shelter, the floor is mud, puddles everywhere and the entire area is littered with junk. One man brushed his teeth over a muddy puddle.10News Reporter Laura Acevedo went to Tijuana Thursday and spoke with the migrants living in squalor. One woman from Honduras, Leida Reyes, told her she thinks this is better than what they lived with back home.She said she couldn't walk around freely without fear, her children never attended school because it was too dangerous.When asked about the President's hard stance on migrants, she said she thinks he'll have a change of heart when he understands they're coming from a country that they can no longer live in safely.Reyes has been in TJ for about 20 days and is waiting for her number to be called so her case for asylum can be processed.No one has stated how long either shelter will be in place. 1418

Thousands of migrants are about to be at Mexico's doorstep. And US Secretary of State Mike Pompeo is about to meet with officials in Mexico's capital.The Honduran migrants, trekking in a caravan toward Mexico's southern border, say they're headed for the United States -- fleeing violence and searching for economic opportunity.Pompeo is headed to meetings in Mexico City with a message for leaders there about the massive caravan of migrants: Stop them before they reach the US border.The key questions: Will Mexico let the migrants in? And what will happen if they do? 593

There's a new way to turn your iPhone into a body cam to record your interaction with police when you get pulled over.It's possible through a new feature with Apple's latest iOS 12. The newest iOS allows you to download an app called Shortcuts.Shortcuts allows users to build their own intricate demands for Siri that may involve using multiple apps instead of just one.Once you go through all the steps to make sure the shortcut works, you should be able to say "Hey Siri, I'm getting pulled over.""If people want to add more and more technology to their lives, the police have nothing to fear about this," said 13 Action News Crime and Safety Expert Retired Metro Lieutenant Randy Sutton.The shortcut will also text your video and location information to someone you choose to be your emergency contact.The creator admits the vast majority of the time this shortcut won't even be necessary. 900

Thick gray clouds of smoke cover the California sky as massive redwood trees, some of the oldest trees on earth, burn at California’s oldest state park: Big Basin Redwoods State Park.For many people living on California’s Central Coast, these redwoods impact much more than just nearby ecology. They’re a lifeline to the local economy.“That’s crazy because, I mean, it’s our history,” said Pedro Bonilla, owner of El Buen Taco.Bonilla says these trees attract tourists and with Big Basin park closed for at least a year due to fire damage, his taco truck could have to close.“We weren’t prepared mentally or financially prepared for this,” he said.Thousands of acres have burned at Big Basin since fires sparked a few weeks ago, torching everything from the ancient trees to historic structures that were built in the early 1900s.“It’s hard to grasp you know how much damage the fire did to the infrastructure, said Mark McKenna of California State Parks.While McKenna says redwood trees are resilient, their recovery could take years.“The complexity of the rebuilding process, it's daunting when you see the damage that happened up there,” he said.That damage is both extensive and expensive. And though the total cost has not been tallied, people there say you can’t put a price tag on the park.“It’s like losing a loved one,” Bonilla said.While locals can’t replace the history that was lost during these wildfires, they’re still somehow optimistic about the future.“Just when it looked like the darkest time possible for the San Lorenzo Valley, we’re still standing here,” said local radio DJ, Sam Peacock.They're standing tall after flames burned the trees to the ground, because eventually, new life will sprout up even after this disaster.“It just shows that don’t underestimate Mother Nature,” Bonilla said. 1823