ESPN’s Hannah Storm returns 3 weeks after accident

NEW YORK (AP) — ESPN anchor Hannah Storm returns to the air New Year’s Day, exactly three weeks after she was seriously burned in a propane gas grill accident at her home.

Storm suffered second-degree burns on her chest and hands, and first-degree burns to her face and neck. She lost her eyebrows and eyelashes, and roughly half her hair.

Storm will host ABC’s telecast of the 2013 Rose Parade on Tuesday. Her left hand will be bandaged and she said viewers might notice a difference in her hair texture where extensions have been added.

“I’m a little nervous about things I used to take for granted,” she said by phone this weekend from Pasadena, Calif. “Little things like putting on makeup and even turning pages on my script.”

The award-winning sportscaster and producer was preparing dinner outside her home in Connecticut on the night of Dec. 11 when she noticed the flame on the grill had gone out. She turned off the gas and when she reignited it “there was an explosion and a wall of fire came at me.”

“It was like you see in a movie, it happened in a split-second,” she said. “A neighbor said he thought a tree had fallen through the roof, it was that loud. It blew the doors off the grill.”

With her left hand, she tore off her burning shirt. She tried to use another part of her shirt to extinguish the flames that engulfed her head and chest, while yelling for help. Her 15-year-old daughter, Hannah, called 911 and a computer technician who was working in the house grabbed some ice as Storm tried to cool the burns.

Soon, police and rescue teams arrived at the house. Storm’s husband, NBC sportscaster Dan Hicks, also had returned home with another of the couple’s three daughters. As her mother was being treated, the younger Hannah calmly said something that, days later, her mom could laugh about.

“OK, Mommy, I’m going to do my homework now,” she said.

Storm was taken by ambulance to the Trauma and Burn Center at Westchester Medical Center and was treated for 24 hours.

“I didn’t see my face until the next day and you wonder how it’s going to look,” she said. “I was pretty shocked. But my overarching thought was I’ve covered events with military members who have been through a lot worse than me, and they’ve come through. I kept thinking, ‘I can do this. I’m fortunate.’”

Other than going to Christmas Eve Mass, Storm hadn’t been outside until her trip to California. ESPN reworked its anchor schedule while she was recovering, and NBC and the Golf Channel rearranged their staffing while Hicks attended to his wife.

Storm is set to host her fifth Rose Parade, with some changes. She’s left-handed, and taking notes is almost impossible. Dressing and showering are challenges, too.

Storm said that long before her accident, she’d been inspired by Iraq War veteran, actor and “Dancing With the Stars” winner J.R. Martinez, the grand marshal at last year’s parade. He was severely burned in a land mine accident while serving overseas.

One attraction of this year’s parade that she was eager to see — the Nurses’ Float, and she hoped to use that moment on air to thank everyone who had taken care of her.

Storm wants to anchor “SportsCenter” in Bristol, Conn., next Sunday. After that, the Notre Dame alum is ready to go in person to watch the No. 1 Irish play Alabama in the national championship game at Miami. She said the school reached out after hearing about her injuries and had been very supportive.

“More than anything, I feel gratitude,” she said. “Something like this really makes you appreciate everything you have, even the chance to wake up on New Year’s Day and do your job.”

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FDA approves 1st new tuberculosis drug in 40 years

WASHINGTON (AP) — The Food and Drug Administration says it has approved a Johnson & Johnson tuberculosis drug that is the first new medicine to fight the deadly infection in more than four decades.

The agency approved J&J’s pill, Sirturo, for use with other older drugs to fight hard-to-treat tuberculosis.

Sirturo is the first medicine specifically designed for treating multi-drug-resistant tuberculosis. That’s an increasingly common form of the disease that cannot be treated with at least two of the four primary antibiotics used to treat tuberculosis.

The standard drugs used to fight the disease were developed in the 1950s and 1960s.

Roughly one-third of the world’s population is estimated to be infected with the bacteria causing tuberculosis.

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Commissions banned on new sales

31 December 2012 Last updated at 07:37 ET

Financial advisers and sales staff can no longer be paid commissions by the firms whose policies they are selling.

New rules, aimed at eradicating the long-standing practice, are being imposed by the Financial Services Authority (FSA) from now.

The aim is to stop policies – such as private pensions and investments – being mis-sold by sales staff, motivated by commission payments.

Instead, customers must be quoted up-front fees, and be told about charges.

Sales staff or financial advisers will also have to state if they are really independent, or restricted to just selling the policies of particular financial groups.

The reforms form part of a series of changes in the financial services industry called the Retail Distribution Review, and which were first proposed by the FSA back in early 2010.

Linda Woodall at the FSA said: “The changes will improve customer confidence – we want people to feel that they are getting a service from their financial adviser that is relevant to their circumstances and in their best interests.

Continue reading the main story

“Start Quote

The danger here is that quality financial advice becomes something only for the wealthy”

End Quote Keith Tadhunter Independent Financial Adviser

“These changes are about making the cost of advice clearer, where else would you buy something without knowing in advance how much it costs?

“Customers will now know how much advice is costing them, the service that they are receiving and be reassured that their adviser is qualified.”

Mis-selling scandals

The changes should ensure that independent financial advisers no longer receive payment for their advice by taking a regular cut of their clients funds via commission payments, something the clients may not be aware of at all.

The new policy will apply to the sale of investments such as pensions, annuities and unit trusts, but not to some mortgages and insurance policies.

Alan Higham, an expert on annuities – a pension income for life – believes that there is also a loophole with sales of annuities.

He said that “limited pension advice” – which provides guidance, quotes and explains terms and accounts for about a third of annuity sales – is not covered by the new rules.

This is because the client has made the decision without recommended pension advice from an adviser. If anything is wrong with the choice, then it is the client’s responsibility, rather than the adviser’s.

Commission-driven sales are thought to have been at the heart of the huge mis-selling scandals of the past few decades, affecting the sale of endowment policies, personal pensions and most recently payment protection insurance (PPI).

Even apart from those scandals, the FSA estimated in 2010 that mis-selling in general was costing UK financial consumers about half a billion pounds a year.

Continue reading the main story

Suggested questions to IFAs

• How much will your advice cost me and how is this calculated?


• Can you explain the different ways I can pay for advice?


• Can you explain what products you can advise me on and any areas you cannot help me with?


• How often will you review my investments?


• Can you show me proof that you are qualified to give advice?

Source: Financial Services Authority

A recent survey for the FSA found that 17% of adults currently take advice from a professional financial adviser and another 32% would consider doing so.

But a third of the respondents thought, wrongly, that the advice was free and that they did not have to pay a charge.

‘Danger’

Financial advisers have said that some operators in their industry have given it a bad name. However, some argue that the change in the rules could create issues for those who may not actively seek financial products, such as a pension.

“The danger here is that quality financial advice becomes something only for the wealthy, when in reality, most people need it to some degree – as poor rates of saving across the population only go to show,” said Keith Tadhunter, an independent financial adviser at Future Financial in Bath.

But Martin Wheatley, the chief executive designate of the Financial Conduct Authority, said that – although there was a savings gap in the UK – people had not trusted financial services.

“This is part of getting trust back into finance,” he said.

He expected the industry to change, with many more options explained through websites for people looking to save or invest in the long-term.

The new policies will also stop, from the end of 2013, the practice of businesses such as fund supermarkets or online discount stockbrokers accepting payments from some of the investment funds whose policies they are selling.

This is also thought to lead to biased sales, which may not be in the best interests of private investors.

Part of these payments has sometimes found its way back to the personal investor in the form of a cash rebate, but they are also used to cross-subsidise the provision of other services, such as stock and shares Isas.

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Canadian job creation seen sharply lower in December

OTTAWA (Reuters) – Canada‘s job market is expected to slow markedly in December to reflect the sluggish economy and employers’ fears about the U.S. fiscal crisis following outsized gains of over 50,000 jobs in two of the previous three months.

The median forecast in a Reuters poll is for the economy to add just 5,000 jobs in the month, with forecasts ranging from a loss of 20,000 positions to a gain of 21,000.

The forecast compares with employment growth of 59,600 in November, 1,800 in October and 52,100 in September.

The unemployment rate is seen ticking higher in the final month of the year to 7.3 percent from 7.2 percent.

Derek Holt, vice president of economics at Scotiabank, said he’s been surprised by the strength of job growth which he estimates to be the equivalent in the United States of about 1.5 million non-farm payroll jobs over the last three months.

“Here we are with the conundrum where we have zero growth in the Canadian economy, long predating the appearance of the greatest fiscal-cliff risks and yet we’re heaping on jobs like there’s no tomorrow,” Holt said.

Unlike the United States, Canada has long recovered all the jobs lost during the 2008-09 recession but the pace of hiring in 2012 was unsteady.

Benjamin Reitzes, economist at BMO Capital Markets, said if the 5,000-job forecast was accurate, it would put 2012 job growth at just 1.1 percent, “the weakest non-recession year since 1996.”

Canadian employers have faced uncertainty in one form or another during the recovery and are now fretting about the U.S. fiscal cliff, a set of tax hikes and spending cuts that will automatically take effect and could throw the United States into recession unless the White House and Congress reach an alternative agreement.

“For as long as Washington cannot agree on the new tax rules and spending focus, they’re not going to give business the confidence to go out and hire and engage in capital spending projects and that’s going to impede the pace of recovery until we get more clarity,” said Holt.

With the Canadian economy now expected to grow by far less in the fourth quarter than the Bank of Canada‘s projection of 2.5 percent, annualized, the blockbuster jobs growth of recent months looks suspect. The six-month trend shows more sustainable gains of about 21,000 a month.

The moderation means the Bank of Canada will be in no hurry to raise its benchmark interest rate, which it has held at 1.0 percent since September 2010.

Market players surveyed by Reuters in late November predicted the bank would resume hiking rates in the fourth quarter of 2013.

(Reporting by Louise Egan; Editing by Kenneth Barry)

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Can Samsung survive without Android?

Samsung (005930) is the world’s top Android smartphone vendor by a staggering margin. Aside from LG (066570), which managed a small $ 20 million profit from its mobile division last quarter, no other global Android vendor can figure out how to make money selling Android phones. Meanwhile, Samsung posted a $ 6 billion profit on $ 47.6 billion in sales in the third quarter, thanks largely to record smartphone shipments and a massive marketing budget. Even as industry watchers turn sour on Apple, Samsung is seen steamrolling into 2013 and its stock is up nearly 50% on the year while Apple (AAPL) shares continue to fall from a record high hit in September. As unstoppable as Samsung appears right now, one key question remains: Is Samsung driving Android’s success or is Android driving Samsung’s success? Starting in 2013, we may finally begin to find out.

[More from BGR: Unreleased ‘BlackBerry X10′ QWERTY phone appears again in new photos]

Earlier this year, BGR wrote about Samsung’s effort to look beyond Android. Even with its own UI and application suite — and even with its own content services — Samsung will always rely on Google (GOOG) if it continues to base its devices on Google’s latest Android builds.

[More from BGR: RIM teases BlackBerry 10 launch with image of first BB10 smartphone]

This isn’t necessarily a bad thing, but it means Samsung will never truly control the end-to-end experience on its products. It also means Samsung will never truly own its smartphones and tablets. Instead, Samsung’s devices will deliver an experience that is an amalgamation of Google’s vision and its own.

But there are alternative options. One example is the path Amazon (AMZN) has taken. Amazon let Google do the grunt work and then took its open-source Android OS and built its own software and service layer on top. Kindle Fire users don’t sit around waiting for Android updates — many of them don’t even know they’re using an Android-powered tablet.

Samsung could do the same thing, but there is a great deal of prep work that would need to be done first. Amazon’s efforts were so successful (depending on your measure of success) because the company already had a massive ecosystem in place before it even launched its first device. Streaming movies and TV shows, eBooks, retail shopping and a stocked application store were all available on the Kindle Fire from day one.

Samsung doesn’t have this luxury. Yet.

Samsung could also take ownership of a new OS, and Tizen may or may not end up being that OS. Samsung is co-developing the new Linux-based mobile platform with Intel (INTC) and others, and a new rumor from Japan’s The Daily Yomiuri suggests Samsung plans to launch its first Tizen phone in 2013. “Samsung will probably begin selling the [Tizen] smartphones next year and they are likely to be released in Japan and other countries at around the same time,” the site’s sources claim.

This will be a slow process. If Samsung follows the same path it took with Bada, Samsung’s earlier Linux-based OS that was folded into the Tizen project, things will start out slow as Samsung launches regional devices that are restricted to a few Eastern markets. Testing the waters before dumping serious marketing dollars into the project isn’t a bad idea, especially considering the battle at the bottom of the smartphone OS food chain that will already be taking place in 2013.

But one thing is clear: Samsung is looking to broaden its strategy and move beyond a point where it relies entirely on another company for its smartphone software.

This article was originally published by BGR

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List: No love for ‘fiscal cliff,’ ‘spoiler alert’

DETROIT (AP) — Spoiler alert: This story contains words and phrases that some people want to ban from the English language. “Spoiler alert” is among them. So are “kick the can down the road,” ”trending” and “bucket list.”

A dirty dozen have landed on the 38th annual List of Words to be Banished from the Queen’s English for Misuse, Overuse and General Uselessness. The nonbinding, tongue-in-cheek decree released Monday by northern Michigan’s Lake Superior State University is based on nominations submitted from the United States, Canada and beyond.

“Spoiler alert,” the seemingly thoughtful way to warn readers or viewers about looming references to a key plot point in a film or TV show, nevertheless passed its use-by date for many, including Joseph Foly, of Fremont, Calif. He argued in his submission the phrase is “used as an obnoxious way to show one has trivial information and is about to use it, no matter what.”

At the risk of further offense, here’s another spoiler alert: The phrase receiving the most nominations this year is “fiscal cliff,” banished because of its overuse by media outlets when describing across-the-board federal tax increases and spending cuts that economists say could harm the economy in the new year without congressional action.

“You can’t turn on the news without hearing this,” said Christopher Loiselle, of Midland, Mich., in his submission. “I’m equally worried about the River of Debt and Mountain of Despair.”

Other terms coming in for a literary lashing are “superfood,” ”guru,” ”job creators” and “double down.”

University spokesman Tom Pink said that in nearly four decades, the Sault Ste. Marie school has “banished” around 900 words or phrases, and somehow the whole idea has survived rapidly advancing technology and diminishing attention spans.

Nominations used to come by mail, then fax and via the school’s website, he said. Now most come through the university’s Facebook page. That’s fitting, since social media has helped accelerate the life cycle of certain words and phrases, such as this year’s entry “YOLO” — “you only live once.”

“The list surprises me in one way or another every year, and the same way every year: I’m always surprised how people still like it, love it,” he said.

Rounding out the list are “job creators/creation,” ”boneless wings” and “passion/passionate.” Those who nominated the last one say they are tired of hearing about a company’s “passion” as a substitute for providing a service or product for money.

Andrew Foyle, of Bristol, England, said it’s reached the point where “passion” is the only ingredient that keeps a chef from preparing “seared tuna” that tastes “like dust swept from a station platform.”

“Apparently, it’s insufficient to do it ably, with skill, commitment or finesse,” Foyle said. “Passionate, begone!”

As usual, the etymological exercise — or exorcise — only goes so far. Past lists haven’t eradicated “viral,” “amazing,” ”LOL” or “man cave” from everyday use.

___

Follow Jeff Karoub on Twitter: http://twitter.com/jeffkaroub

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Republican Senator: chances for “fiscal cliff” deal “exceedingly good”

WASHINGTON (Reuters) – Republican Senator Lindsey Graham said on Sunday that chances for a small “fiscal Cliff” deal in the next 48 hours were “exceedingly good” and that President Barack Obama had won.

“I think people don’t want to go over the cliff if we can avoid it,” Graham said on Fox News Sunday.

“This deal won’t affect the debt situation, it will be a political victory for the president and I hope we’ll have the courage of our convictions when it comes time to raise the debt ceiling to fight for what we believe as Republicans, but hats off to the president, he won,” Graham said.

(Reporting By Tabassum Zakaria; Editing by David Brunnstrom)

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We’re Paying Off Our Debts, At Least At Home

Had it with the so-called fiscal cliff? Wondering what comes next now that Republicans pulled the plug on House Speaker John Boehner’s Plan B? Take a break from the frenzy in Washington and ignore for the moment the federal government’s red ink. Focus instead on another balance sheet that isn’t getting enough attention: The household balance sheet. Over the past five turbulent years, despite high unemployment rates and falling median income, American households have reduced their debts and shored up their balance sheets. “The aggregate numbers show that households are back to being in pretty good shape,” says James W. Paulsen, chief investment strategist at Wells Capital Management. Adds Susan Lund, partner at the McKinsey Global Institute: “Households continue to make very good progress at deleveraging.”

Case in point: the drop in the financial obligations ratio. It measures the ratio of household debt payments to disposable personal income. The obligation side of the ledger includes mortgage and consumer debt payments, automobile leases, rental payments on tenant-occupied property, homeowners insurance, and property taxes. In other words, the gauge captures much of the typical household’s monthly outlay for debts. The ratio hit a record high of 18.88 in the fourth quarter of 2007, according to the Federal Reserve. In the third quarter of this year it had dropped to 15.74, about the level of the early 1980s. (The series starts in 1980.) The reduced strain on household financial resources reflects the impact of low interest rates and less debt.

To be sure, about two-thirds of the gain in household balance sheets has come through mortgage foreclosures and credit-card defaults. Nevertheless, household debt as a share of gross domestic product is currently at 83 percent, far below its peak of 97 percent of GDP in 2008. At the current pace of deleveraging, households could return to their long-term borrowing trend (1950 to 2000) by the second half of 2013, calculates McKinsey’s Lund.

Households should feel wealthier next year. Their net worth plunged a record-setting 25 percent during the Great Recession. The latest readings have household net worth a mere 2 percentage points shy of reversing the loss. That figure should improve with housing market sales and prices showing definite signs of life, especially with the drag from foreclosures lessening. Yes, the current foreclosure pipeline remains full, but the future looks less dire. The rate of mortgages delinquent by 90 days or more—mortgages clearly heading toward foreclosure—fell to 3.5 percent in September 2012, according to the latest data from Foreclosure-Response.org, a joint venture between Local Initiatives Support Corp., the Urban Institute, and the Center for Housing Policy. The number is sharply lower than the December 2009 high of 5.5 percent,

The deleveraging story goes far beyond the household. Corporate America is flush with cash, and the sector has slightly reduced its debt levels. The beleaguered financial services industry has taken far more draconian actions to create a healthier margin of safety.

Such aggressive balance-sheet cleansing by the household and business sectors isn’t all good. By saving more, they are spending less, reducing demand for goods and services. That could have doomed the economy to a severe downturn if not for the big offsetting budget deficits run by the federal government.

Now even the federal government is poised to make progress. Say what? You wouldn’t know it for all the talk of fiscal crisis in Washington, yet the federal deficit as a share of GDP is shrinking as the economy recovers. Specifically, the government deficit-to-GDP ratio reached 10.4 percent of nominal GD during the Great Recession. Despite the economy expanding at a tepid 2 percent average rate, the deficit-to-GDP ratio has shrunk to 6.9 percent. Even if the economy continues to expand at a slow 2 percent pace, says Paulson, it’s likely the government debt-to-GDP ratio will peak over the next 12 to 24 months. The odds favor the lower band of that range estimate if the pace of growth picks up. “We may be at the stage where if we follow historic trends, you see government debt on a path to decline,” says Lund. Paulsen is even more optimistic: “Over the next three years the fiscal issue will fade.”

Got that, Washington? The underlying dynamics of the economy are screaming on-the-mend, including a job market that’s slowly improving, a housing market with a pulse, and healthier private sector balance sheets. Economic optimism would be the watchword of the New Year if it weren’t for the damaging drama of the fiscal cliff. Main Street has done its part.

Everyone is deeply frustrated, but considering the political blunders of recent weeks, maybe the best thing Washington can do is calm down. Stop playing political Armageddon. Realize that grand bargains can do more economic harm than fiscal good. If you must, embrace some form of face-saving, kick-the-can-down the-road compromise. Thanks to the underappreciated health in household balance sheets, the political equivalent of doing nothing will let the economy grow and deleveraging to continue. Indeed, the surprise of 2013 could be how rapid the short-term improvement in the fiscal balance sheet turns out to be.

Businessweek.com — Top News

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Suspected US drone kills 3 al-Qaida men in Yemen

SANAA, Yemen (AP) — Three al-Qaida militants were killed in a suspected U.S. drone strike in southern Yemen, Yemeni security officials said, the fourth such attack this week and a sign attacks from unmanned aircraft are on the upswing in the country.

The officials said the three men were hit as they were riding in a Land Cruiser in el-Manaseh village on the outskirts of Radda in Bayda province. Dozens of local al-Qaida-linked fighters protested the drone strikes after traditional Islamic Friday prayers.

Earlier this week another suspected U.S. drone strike killed two militants in Radda itself, Yemeni security officials say, and seven were killed in two other strikes in the southeastern province of Hadramawt. Four suspected drone strikes a week is uncommon in Yemen.

According to statistics gathered by the Long War Journal before Saturday’s attacks, the United States “is known to have carried out 41 airstrikes” this year against al-Qaida in the Arabian Peninsula (AQAP), as the group’s branch in Yemen is known. That makes for an average of around three to four strikes per month.

The Journal, a product of the Foundation for Defense of Democracies that was founded by former U.S. officials, says that since December 2009, the CIA and the US military’s Joint Special Operations Command are known to have conducted at least 54 air and missile strikes inside Yemen, excluding Saturday’s suspected attack.

AQAP overran entire towns and villages — including Radda — last year by taking advantage of a security lapse during nationwide protests that eventually ousted the country’s longtime ruler. Backed by the U.S. military, Yemen’s army was able to regain control of the southern region but al-Qaida militants continue to launch deadly attacks on security forces that have killed hundreds.

Also on Saturday, two gunmen on a motorbike shot and killed an intelligence officer in the southeast, security officials said. They said that the officer, Mutea Baqutian, was on his way to work in Mukalla, capital of Hadramawt province, when the men stopped his car, gunned him down, and fled.

The government has blamed al-Qaida militants for similar assassinations of several senior military and intelligence officials this year. The bullet-riddled body of Major al-Numeiry Abdo al-Oudi, deputy director of the security department of al-Qitten in Hadramawt, was found in the town’s suburbs last week. He had been kidnapped earlier in the month.

All officials spoke on condition of anonymity according to regulations.

Meanwhile, Maj. Gen. Ahmed Seif, who is commander of Yemen’s central military region, said the Defense Ministry has deployed an infantry brigade in the northeastern province of Marib to stop armed tribesmen who maintain cordial ties with al-Qaida from attacking oil pipelines and power generating stations, as well as to counter al-Qaida militants.

State TV meanwhile aired a meeting between President Abed Rabbo Mansour Hadi and eight Yemeni sailors who were rescued last week by forces of Somalia’s semiautonomous Puntland region after being held for nearly three years by Somali pirates.

The Puntland government says that its forces captured the hijacked Panama-flagged MV Iceberg 1 on Sunday after a siege that lasted two weeks. They freed the eight Yemeni sailors together with five Indians, two Pakistanis, four Ghanaians, two Sudanese and a Filipino. The ship was hijacked March 29, 2010.

Hadi congratulated the eight sailors for their safety and ordered the government to compensate them for their suffering.

Eqbal Yassin, a relative of one of the freed sailors, told The Associated Press that the hijackers had allowed some sailors to phone their relatives and convey the pirates’ demand for $ 5 million ransom. He said he was told by his relative that the hijackers killed a Yemeni sailor who tried to escape. He gave no further details.

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NASA Sets Record with Ion Thrusters Test

NASA has completed a 43,000 hour stress test — a record for ion thrusters — on a new rocket propulsion system that could extend future space travel to farther reaches of the solar system.

Developed by NASA’s Evolutionary Xenon Thruster Project, the 7-kilowatt ion thruster can burn 10-12 times longer than the conventional chemical thrusters used today. Though not practical for manned-spaceflight, the system could power exploratory rockets that reach outer planets and their moons.

[More from Mashable: NASA Unveils E-books on Hubble, Webb Space Telescopes]

To find out more, watch the video above and let us know your thoughts in the comments.

Photo courtesy of NASA

[More from Mashable: First ‘Alien Earth’ Will Be Found in 2013]

BONUS: 15 Twitter Accounts Every Space Lover Should Follow

Sunita Williams

Captain Williams is a NASA astronaut who recently completed the first triathlon in space.

Click here to view this gallery.

This story originally published on Mashable here.

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