Replying to FCP help.

alright so forgive me M&A i am a total newb at final cut pro as i installed it last night, and im having trouble inserting a title.

i want to make the title so that it plays on a clip that fades in, so the text is say red on black and then the clip fades in and it's now red text with the video as the background. but, when i try to insert the title to the track, the title stays with a black background and then the title disappears and the video clip starts playing (no fading, the title has a black background that is smothering the video). how do i give the title a transparent background?

yea, i googled. couldn't find shit or shit that i could understand.