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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 and AP) -- At least three people were killed in wind-driven fires that scorched a large swath of Baja, California last week, the Associated Press reports. Last Friday, Mexico’s civil defense told AP the fires forced more than 1,600 people to evacuate their homes. The fires burned near Tecate, Tijuana and between the coastal towns of Rosarito and Ensenada. The fire near Tecate burned more than 35,000 acres, according to AP. Schools were also shut down in Tijuana, Tecate and Rosarito due to heavy smoke in the area. RELATED: Check today's San Diego County forecastFire officials in the region blamed strong Santa Ana winds that whipped through the region last week. Mexican officials told CNN the fire tore through 125 homes, 30 of which are in the city of Tijuana. Local support to help those affected by the fires is growing in San Diego, especially from the local Kumeyaay population. Anna Gloria Rodriguez showed a growing pile of donations in her office Wednesday. “Furniture, some blankets and pillows,” Rodriguez said. Rodriguez is part of the Kumeyaay Nation and is heading up the effort to collect donations to bring to her family across the border. “The Kumeyaay Nation has people on both sides of the border. We have family in all the communities,” she continued. “The whole big mountains already burned but still one part on fire, so there was a lot of people in the community trying to put dirt and water.”While her family and many others are safe, the fires left some without electricity or easy access to clean water or food. The U.S. consulate in Tijuana issued a warning to travelers about the fires, especially as Santa Ana wind conditions continue throughout the week. 1722

There is something your kids and the entire family are bringing into your homes every day that is silently threatening your family’s health.They hitch a ride on you and your kids and live on almost every item in your home. For days, they are silent and unseen until the dreaded stomach flu.“I got it and I was down for three days and then it slowly hit two of my other daughters. That was the whole second week of Christmas break was spent nursing someone back to health.”Melissa Macavage, of Detroit, Michigan, has three girls, a busy job and is an active volunteer at her church. To say her family is busy, is an understatement.“Volleyball practice or volleyball game, homework, dinner, picking up my other daughter from her various events,” said Macavage.  “Not much time for sickness, so after that stomach flu took the family out last winter, I took it to the next level,” she adds.“Hand washing, I am militant about that. As soon as they get home from whatever their event is, I make them wash their hands,” Macavage explains.So, we wanted to find out just what is lurking on those everyday items, the things all of us touch multiple times a day, every day of the week.The lab at Henry Ford Hospital in Detroit provided us with these swabs and taught our executive producer how to collect a sample.We took seven samples including the television remote, Melissa’s cell phone, the bathroom door knob, the refrigerator door handle, a lunch box, the steering wheel and Melissa’s purse.“When you rub the swab all over the specimen you’re targeting, so whether it’s the phone or door handle you’re picking up the bacteria that are colonized on the surface, then we bring it back to the lab and put it on these culture media.”  Dr. Linoj Samuel is a microbiologist and Dr. Katherine Reyes specializes in infectious diseases. They work together at Henry Ford Hospital, regularly looking at samples to determine what an illness is and where it came from.They analyzed our seven samples and shared them with Melissa.“Most bacteria and viruses can cause some serious infection and some viruses like the flu virus can live on a surface for up to 8 hours,” Samuel explains.When it came to the remote, there was a little surprise: some germs live on those surfaces normally and yet some should not be there like bacteria or germs that are on our mouth, then you see them on remote control.“I wonder if they were having a snack then went and reached the remote,” she adds.The item we thought would be the worst, turned out to be clear of bacteria.“The cell phone, surprisingly, we did not find any bacteria which is somewhere that I would have expected to find a lot of bacteria but that might suggest recent cleaning, so it’s hard to say.”The one item with the most and fastest growing bacteria was the refrigerator door handle.“If you see this, that one can look scary,” Reyes said.The doctors tell us none of the bacteria found on Melissa’s items is the type that would get a healthy person sick, but someone with a compromised immune system, the elderly or perhaps someone with a cut could develop an illness or an infection.So, what can you do? Reyes says the best thing is also the simplest.“Hand washing!” she tells us.She also encourages regular use of cleaning wipes on all our highly-touched items.Want to look at the types of bacteria found on all the items? 3408

Things are sizzling in the back of this food truck as burgers are served with a side of bravado.Mike Schuster and Dominic Maldonado have been in the food truck game for almost seven years, and in that time the industry has boomed.“When we first hit the road, I think there were maybe 230 licensed food trucks in all of Denver. I think now it’s over 500,” said Schuster.Doubled in Denver and nearly doubled across the US.According to the US Census, in 2013 there were almost 3,300 food trucks in the US. That number grew to just under 6,000 in 2018. Sales have risen from 0 million in 2012 to .2 billion in 2017.“We’ve seen it, we’ve seen it in front of office buildings, we see it in the downtown core. And I’m not just talking because of COVID, I’m talking a natural business marker, alive and well within the hospitality and restaurant industry,” said Steve Chucri, the president of the Arizona Restaurant Association He says food trucks are here to stay in his state as well.“I think they’ll always have their place and their spot in the industry," Chucri said.A unique opportunity that food trucks have, they are a to-go business and most social distance guidelines during the pandemic don’t hold them back in the same way they do sit down restaurants.But that doesn’t mean the industry is not facing its own challenges.“Back when April hit and everything shut down, it was about a month and a half straight for us of just wedding cancelations, graduation party cancelations, party after party everyday,” Schuster said.“Food trucks depending on those office buildings to have people pouring out at 12 noon everyday and going to a food truck and buying. So, they’ve got to be hurting just like all of us are,” said Chucri.But with challenges come opportunity so Maldonado and Schuster got to work and got creative.“We started going after some of the business to serve some of the front line workers during the pandemic so we started serving some of the workers at King Soopers who were working their butts off through the whole thing. We fed some the Aurora 911 services, the ambulance services because they were working their butts off. We started doing hospital servings. We found a way to find where people were hungry, working still, needed to eat, and just didn’t have a lot of viable options,” said Schuster.Getting creative to get by. Just like a lot of us over the last several months.One thing that doesn’t change, wherever Maldonado and Schuster serve food, they serve it with heart.“When people come back to the truck for seconds and thirds, because they just want to try every flavor of slider we have, even when they’re stuffed. Even just that, even when they don’t even say anything, you know that they love it and they see the smile on their face and it’s great,” said Schuster. 2809

There's some misunderstanding about medical exemptions to wearing masks.A legal expert tells us the Americans with Disabilities Act (ADA) makes it so businesses must make reasonable accommodations to everyone. The key word there is reasonable.“The problem with what's going on right now and some of the things that have been going around the internet, is that the advice, kind of spurious advice that's being put forth is to use the provision for reasonable accommodation as a sword rather than as a shield,” said David Tarrien, an associate professor at WMU-Cooley Law School.Tarrien says the conditions that qualify as a mask exemption have a smaller scope than many realize. For example, he says asthma patients likely do not fall under that scope. But later stages of pulmonary respiratory disease, emphysema, or a serious mobility issue can be "legitimate" reasons.Furthermore, you could face repercussions for lying.“If they're claiming that they have a disability and they don't have a disability, if that is found out, then there are criminal and civil penalties for that,” said Tarrien.As for privacy concerns, Tarrien says store employees are allowed to ask customers why they're not wearing a mask. If you refuse to answer, they may refuse entry.Even if you give a legitimate reason to not wear a mask, you may still be refused entry. That's because the ADA does not apply if there's a “direct threat” to someone's health or safety.Tarrien says HIPPA privacy laws also do not apply in this kind of situation. That only protects your information from being shared inappropriately among medical facilities. 1623