‘Liquipod’ takes smartphone waterproofing on the road







Amid a sea of Ultra-HD TVs, smart washing machines and various other gadgets, waterproofing expert Liquipel took to CES 2013 to make two announcements. The firm, which adds an interior and exterior waterproof nanocoating to cell phones, revealed a new and improved waterproofing material that is even more effective than its first-generation solution. Liquipel also unveiled its new “Liquipod,” a portable machine that can waterproof gadgets anywhere in the world while device owners wait, according to TechCrunch. Previously, Liquipel required customers to ship their handsets to the company’s offices for treatment.


[More from BGR: iPhone 5 now available with unlimited service, no contract on Walmart’s $ 45 Straight Talk plan]






This article was originally published on BGR.com


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People's Choice Awards a feast for 'Hunger Games'


LOS ANGELES (AP) — "The Hunger Games" devoured the competition at the People's Choice Awards, emerging the top victor with five trophies.


Katy Perry won three awards at the Wednesday night ceremony in Los Angeles, at which fans selected the winners in categories spanning music, movies and television.


"Hunger Games" was named favorite movie, action movie and movie franchise, and stars Jennifer Lawrence, Chris Hutcherson and Liam Hemsworth had fans' favorite on-screen chemistry. Lawrence also won favorite movie actress and "face of heroism."


Perry was the fans' favorite female artist and pop artist. Her video for "Part of Me" also won.


Sandra Bullock picked up the show's first favorite humanitarian award for her efforts in New Orleans.


Actress Kaley Cuoco hosted the ceremony at the Nokia Theatre, where performers included Christina Aguilera, Jason Aldean and Alicia Keys.


___


The night's winners:


Movie: "The Hunger Games"


Movie actor: Robert Downey, Jr.


Movie actress: Jennifer Lawrence


Action movie: "The Hunger Games"


Action movie star: Chris Hemsworth


Face of heroism: Jennifer Lawrence, "The Hunger Games"


Comedic movie: "Ted"


Comedic movie actor: Adam Sandler


Comedic movie actress: Jennifer Aniston


Dramatic movie: "The Perks of Being a Wallflower"


Dramatic movie actor: Zac Efron


Dramatic movie actress: Emma Watson


Movie franchise: "The Hunger Games"


Movie superhero: Robert Downey, Jr., "Iron Man"


On-screen chemistry: Jennifer Lawrence, Josh Hutcherson, and Liam Hemsworth, "The Hunger Games"


Movie icon: Meryl Streep


Network TV comedy: "The Big Bang Theory"


Network TV drama: "Grey's Anatomy"


Cable TV comedy: "Awkward"


Cable TV drama: "Leverage"


Premium cable TV show: "True Blood"


TV crime drama: "Castle"


Sci-fi/fantasy TV show: "Supernatural"


Comedic TV actor: Chris Colfer


Comedic TV actress: Lea Michele


Dramatic TV actor: Nathan Fillion


Dramatic TV actress: Ellen Pompeo


Daytime TV host: Ellen DeGeneres


Late-night talk show host: Jimmy Fallon


New talk show host: Steve Harvey


Competition TV show: "The X Factor"


Celebrity judge: Demi Lovato


Male artist: Jason Mraz


Female artist: Katy Perry


Pop artist: Katy Perry


Hip-hop artist: Nicki Minaj


R&B artist: Rihanna


Band: Maroon 5


Country artist: Taylor Swift


Breakout artists: The Wanted


Song: One Direction, "What Makes You Beautiful"


Album: One Direction, "Up All Night"


Music video: Katy Perry, "Part of Me"


People's voice: Christina Aguilera


Humanitarian: Sandra Bullock


___


Online:


www.peopleschoice.com


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Flu Widespread, Leading a Range of Winter’s Ills





It is not your imagination — more people you know are sick this winter, even people who have had flu shots.




The country is in the grip of three emerging flu or flulike epidemics: an early start to the annual flu season with an unusually aggressive virus, a surge in a new type of norovirus, and the worst whooping cough outbreak in 60 years. And these are all developing amid the normal winter highs for the many viruses that cause symptoms on the “colds and flu” spectrum.


Influenza is widespread, and causing local crises. On Wednesday, Boston’s mayor declared a public health emergency as cases flooded hospital emergency rooms.


Google’s national flu trend maps, which track flu-related searches, are almost solid red (for “intense activity”) and the Centers for Disease Control and Prevention’s weekly FluView maps, which track confirmed cases, are nearly solid brown (for “widespread activity”).


“Yesterday, I saw a construction worker, a big strong guy in his Carhartts who looked like he could fall off a roof without noticing it,” said Dr. Beth Zeeman, an emergency room doctor for MetroWest Medical Center in Framingham, Mass., just outside Boston. “He was in a fetal position with fever and chills, like a wet rag. When I see one of those cases, I just tighten up my mask a little.”


Massachusetts General Hospital in Boston started asking visitors with even mild cold symptoms to wear masks and to avoid maternity wards. The hospital has treated 532 confirmed influenza patients this season and admitted 167, even more than it did by this date during the 2009-10 swine flu pandemic.


At Brigham and Women’s Hospital, 100 patients were crowded into spaces licensed for 53. Beds lined halls and pressed against vending machines. Overflow patients sat on benches in the lobby wearing surgical masks.


“Today was the first time I think I was experiencing my first pandemic,” said Heidi Crim, the nursing director, who saw both the swine flu and SARS outbreaks here. Adding to the problem, she said, many staff members were at home sick and supplies like flu test swabs were running out.


Nationally, deaths and hospitalizations are still below epidemic thresholds. But experts do not expect that to remain true. Pneumonia usually shows up in national statistics only a week or two after emergency rooms report surges in cases, and deaths start rising a week or two after that, said Dr. Gregory A. Poland, a vaccine specialist at the Mayo Clinic in Minnesota. The predominant flu strain circulating is an H3N2, which typically kills more people than the H1N1 strains that usually predominate; the relatively lethal 2003-4 “Fujian flu” season was overwhelmingly H3N2.


No cases have been resistant to Tamiflu, which can ease symptoms if taken within 48 hours, and this year’s flu shot is well-matched to the H3N2 strain, the C.D.C. said. Flu shots are imperfect, especially in the elderly, whose immune systems may not be strong enough to produce enough antibodies.


Simultaneously, the country is seeing a large and early outbreak of norovirus, the “cruise ship flu” or “stomach flu,” said Dr. Aron J. Hall of the C.D.C.’s viral gastroenterology branch. It includes a new strain, which first appeared in Australia and is known as the Sydney 2012 variant.


This week, Maine’s health department said that state was seeing a large spike in cases. Cities across Canada reported norovirus outbreaks so serious that hospitals were shutting down whole wards for disinfection because patients were getting infected after moving into the rooms of those who had just recovered. The classic symptoms of norovirus are “explosive” diarrhea and “projectile” vomiting, which can send infectious particles flying yards away.


“I also saw a woman I’m sure had norovirus,” Dr. Zeeman said. “She said she’d gone to the bathroom 14 times at home and 4 times since she came into the E.R. You can get dehydrated really quickly that way.”


This month, the C.D.C. said the United States was having its biggest outbreak of pertussis in 60 years; there were about 42,000 confirmed cases, the highest total since 1955. The disease is unrelated to flu but causes a hacking, constant cough and breathlessness. While it is unpleasant, adults almost always survive; the greatest danger is to infants, especially premature ones with undeveloped lungs. Of the 18 recorded deaths in 2012, all but three were of infants under age 1.


That outbreak is worst in cold-weather states, including Colorado, Washington, Wisconsin, Minnesota and Vermont.


Although most children are vaccinated several times against pertussis, those shots wear off with age. It is possible, the authorities said, that a new, safer vaccine introduced in the 1990s gives protection that does not last as long, so more teenagers and adults are vulnerable.


And, Dr. Poland said, if many New Yorkers are catching laryngitis, as has been reported, it is probably a rhinovirus. “It’s typically a sore, really scratchy throat, and you sometimes lose your voice,” he said.


Though flu cases in New York City are rising rapidly, the city health department has no plans to declare an emergency, largely because of concern that doing so would drive mildly sick people to emergency rooms, said Dr. Jay K. Varma, deputy director for disease control. The city would prefer people went to private doctors or, if still healthy, to pharmacies for flu shots. Nursing homes have had worrisome outbreaks, he said, and nine elderly patients have died. Homes need to be more alert, vaccinate patients, separate those who fall ill and treat them faster with antivirals, he said.


Dr. Susan I. Gerber of the C.D.C.’s respiratory diseases branch, said her agency has not seen any unusual spike of rhinovirus, parainfluenza, adenovirus, coronavirus or the dozens of other causes of the “common cold,” but the country is having its typical winter surge of some, like respiratory syncytial virus “that can mimic flulike symptoms, especially in young children.”


The C.D.C. and the local health authorities continue to advocate getting flu shots. Although it takes up to two weeks to build immunity, “we don’t know if the season has peaked yet,” said Dr. Joseph Bresee, chief of prevention in the agency’s flu division.


Flu shots and nasal mists contain vaccines against three strains, the H3N2, the H1N1 and a B. Thus far this season, Dr. Bresee said, H1N1 cases have been rare, and the H3N2 component has been a good match against almost all the confirmed H3N2 samples the agency has tested.


About a fifth of all flus this year thus far are from B strains. That part of the vaccine is a good match only 70 percent of the time, because two B’s are circulating.


For that reason, he said, flu shots are being reformulated. Within two years, they said, most will contain vaccines against both B strains.


Joanna Constantine, 28, a stylist at the Guy Thomas Hair Salon on West 56th Street in Manhattan, said she recently was so sick that she was off work and in bed for five days — and silenced by laryngitis for four of them.


She did not have the classic flu symptoms — a high fever, aches and chills — so she knew it was probably something else.


Still, she said, it scared her enough that she will get a flu shot next year. She had not bothered to get one since her last pregnancy, she said. But she has a 7-year-old son and a 5-year-old daughter, “and my little guys get theirs every year.”


Jess Bidgood contributed reporting.



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Wealthy car collectors, auction firms to gather in Arizona









If $8 million sounds like too much for a 1960 Ferrari, perhaps a 1958 model in the range of $5.5 million to $7 million better suits your budget.


Such are the choices the world's wealthiest car collectors will face this month in Arizona. Every year, buyers, sellers and car nuts descend on Scottsdale and Phoenix for one of the largest gatherings of car auctions in the country.


"This is it. This is the big one," McKeel Hagerty says of the week of auctions. Hagerty is founder and chief executive of Hagerty Insurance Agency, which insures and tracks sale prices of classic cars. "It is a bucket list item for any car guy at some point in your life."





Thousands of vehicles will be auctioned by companies including Gooding & Co. of Santa Monica, RM Auctions, Bonhams, Barrett-Jackson and Russo & Steele. The models offered range from a 1926 Cadillac to a 2012 Shelby GT500 Super Snake, with prices from the low $20,000s to the high seven figures. Auctions run Jan. 15-20.


Barrett-Jackson says around 270,000 people attended its 2012 Arizona event over the course of a week, and the company expects to top that number this year.


Antique car buffs now consider the Arizona event on par with the Monterey car week held every August in California. Although the Monterey week offers an amalgam of events including heritage racing, car auctions and the Pebble Beach Concours d'Elegance, Arizona is strictly auctions.


"Everybody there is very much in the mood to buy and sell," David Gooding, president and chief executive of Gooding & Co., said of Scottsdale. "At Pebble, there's just so much going on that people sometimes are a little less focused. Everybody tends to get a little stressed out and tired."


The pair of rare Ferraris, offered by rival auction houses, probably will compete for bragging rights that go with the top-dollar sale.


Gooding & Co., which has a five-year streak of selling the priciest car, is bringing a 1958 Ferrari 250 GT LWB California Spider. The long-wheelbase convertible is one of only 50 built and features a 3.0-liter V-12 that makes at least 250 horsepower. The car has been certified by Ferrari as a matching-numbers example and has been shown at elite car shows including Pebble Beach. Matching-numbers cars are those that still have original components such as the engine with identification numbers that match those on other parts of the vehicle.


"There's nothing you can fault on this car; it's as nice as it can be," David Gooding said of the midnight blue California Spider.


His company estimates that the car will bring $5.5 million to $7 million if it sells.


Challenging the Spider for the top sale will be another rare Ferrari sold by RM Auctions, a 1960 250 GT SWB Berlinetta "Competizione." Only 74 of the roughly 170 short-wheelbase 250 GT cars were made in this lighter, street-legal racing version with a V-12 engine that makes close to 300 horsepower.


Since many were raced — and crashed — few match this copy's provenance. It's had just four owners, and its crash-free and original-engine status make it a rare "no stories" car. These models are also balanced and welcoming cars to drive, a trait not shared by all race-spec Ferraris of the era.


"It's one of the holy grails for Ferrari collecting, because they look nice, they perform well, and yet they're kind of tame," Hagerty said. He estimates the car could sell for $6 million to $10 million.


Old Ferraris in general have been fetching ever-increasing prices, according to Hagerty Insurance, which tracks the average price of Ferraris sold and reports a 59% increase in the last 36 months. In part, the surge is driven by the fact that ownership grants the buyer entry to the world's most exclusive driving events, including road rallies and other Concours car shows.


"There are events around the world that you don't get invited to unless you have one of these," Hagerty says. "You don't get to be the guest of somebody who goes. You either own it or you're not going."


The week of auctions traces its roots back to 1971, when Tom Barrett and Russ Jackson hosted their first auction of around 80 cars in Scottsdale. The pair soon after formed Barrett-Jackson, a classic-car auction company that today is among the world's largest. By 1997, the Speed Channel was covering the weeklong Barrett-Jackson auction live.


By 2001, after years of increased foot traffic to the weeklong event, other auction companies had started hosting similar sales nearby with the hopes of attracting buyers interested in a wider range of vehicles than the American muscle cars Barrett-Jackson was known for selling.


"It's the great example of if you put one gas station on a corner, then slowly all four corners have a gas station — and they all seem to do well," Hagerty said of the growth.


The event's rising popularity, due in no small part to television coverage, has benefited every car fan, said Jackson's son Craig, the chairman and CEO of Barrett-Jackson. "I think it's had a role in expanding the car hobby in general," he said. "It's brought thousands of new people in."


Although Italian exotics steal the limelight, a majority of the week's sales are cars with more reasonable prices, from $20,000 to $100,000. More common offerings will include American classics such as 1957 Chevys, Corvettes and Ford Mustangs.


Even if you don't intend to buy, the auctions can still be fun to watch.


"There are a lot of cars that are kind of affordable. It's fun to go to those things, because you're sort of afraid you're going to start waving your hand around at the least convenient moment," Hagerty said. "And of course that's exactly what the auction companies want you to do."


david.undercoffler@latimes.com





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San Diego State hosts school shooting survival training









SAN DIEGO —The gunman stalked the dormitory halls yelling "I'm going to kill somebody," pounding and kicking on doors, and firing his weapon in the air.


The resident assistants remembered their training: turn off the lights, barricade the doors with chairs and tables, lie flat on the floor, push back if the killer tries to bust in, or jump out a window if it isn't too high.


The drama was all staged but with a life-saving purpose Tuesday as a dormitory at San Diego State became a stand-in for Columbine High School, Virginia Tech, Sandy Hook Elementary and the engineering building on the campus here — all scenes of deadly rampages.





Two dozen people from colleges and schools throughout Southern California came to campus for a two-day session with the chillingly modern title of Active Shooter Response Training.


Although the program of lectures, discussions and scenarios was planned months ago, the recent shooting in Newtown, Conn., where 20 children and six adults were killed, only heightened the urgency of planning for possible violence.


Bret Bandick, a trainer from Texas company Response Options, played the role of a heavily armed killer targeting students at the Olmeca Residence Hall. He fired an airsoft gun into the air and at doors to provide an extra dose of realism. Resident assistants and others played the role of students caught by surprise.


In the fall, those same assistants will be giving a new, mandatory 90-minute seminar to all incoming freshmen at San Diego State on how to survive an on-campus shooting. The session will be in addition to the university's system of alerting students via emails, text messages and social media when a gunman is suspected.


"Our responsibility is to give people as many tools as possible to survive," said Capt. Lamine Secka of the San Diego State police force.


Kerry Harris, also an instructor with Response Options, said the strategy "is not rocket science."


"We tell people they should flee if they can, hide if they must and fight back if there is no other option," Harris said.


The San Diego State resident assistants did better than many people who have taken the same training, Harris said.


The event drew police officers and school officials from Orange, the Vista and Escondido school districts in northern San Diego County and the campuses of Cal State Los Angeles, San Diego State, UC San Diego and the University of San Diego.


San Diego has reason to be concerned about school shootings.


One of the first high-profile school shootings that gained national attention occurred here in 1979, when 16-year-old Brenda Spencer used a rifle to kill two people and wound nine others at an elementary school across from her home.


"I don't like Mondays," Spencer told a reporter by telephone during the rampage. She is serving a 25-years-to-life prison sentence.


In 1996, a graduate student at San Diego State killed three of his professors in the engineering department. The gunman pleaded guilty to avoid the death penalty and is serving a life sentence.


In 2001, two shootings in high schools east of San Diego left two dead and 18 wounded. One shooter, then a 15-year-old student, is in prison; the other, an 18-year-old former student, committed suicide while behind bars.


In 2010, a mentally disturbed man jumped the fence at a Carlsbad elementary school and wounded two students before being subdued by construction workers. He is serving a life sentence.


By the time of the 2001 shootings, nationwide police protocol for school shootings had changed to emphasize an immediate response by the first officer on the scene rather than waiting for the SWAT squad to assemble.


The change in tactics was prompted by the 1999 shooting at Columbine High in Colorado, where 15 people died, including the two shooters who committed suicide, while the SWAT squad was being assembled.


"After Columbine, we learned that you just can't wait for SWAT," said Lt. Joe Florentino of the San Diego Unified Police Department, which deploys 43 officers to protect 200 sites with 133,000 students and 15,000 employees, the second largest primary school district in California.


When a 15-year-old student opened fire at Santana High in Santee on March 5, 2001, the first police officer on scene was an off-duty San Diego officer who was registering his daughter for classes.


"When everyone else was running away from the sound of gunfire," said San Diego Police Lt. Andra Brown, "he was running toward it."


The post-Columbine era also brought more training for officers and dispatchers and, in some cases, better weaponry for beat cops who may have to confront a shooter with multiple weapons or assault weapons. "Lock-down," a term and practice once used in connection with prison riots, became common parlance a decade ago to describe keeping students in their classrooms during an incident.


But those changes, Florentino said, are meant to limit the casualties once a shooting occurs. The better strategy, he said, is to be aware of any advance signs that a student might pose a threat.


The San Diego school district has a policy of following up, with counselors and police officers, when a student is heard making possible threats or posting troubling comments on social media. In rare cases, a student is put on a 72-hour psychiatric hold at a mental health facility, Florentino said.


"If a student says something odd, we don't just ignore it," Florentino said. "We have to be right 100% of the time, we know that."


tony.perry@latimes.com





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AP Exclusive: Richardson pressing NKorean test ban






PYONGYANG, North Korea (AP) — Former New Mexico Gov. Bill Richardson said Wednesday that his delegation is pressing North Korea to put a moratorium on missile launches and nuclear tests and to allow more cell phones and an open Internet for its citizens.


Richardson told The Associated Press in an exclusive interview in Pyongyang that the group is also asking for fair and humane treatment for an American citizen detained in North Korea.






“The citizens of the DPRK (North Korea) will be better off with more cell phones and an active Internet. Those are the three messages we’ve given to a variety of foreign policy officials, scientists” and government officials, Richardson said.


He is accompanied by Google Executive Chairman Eric Schmidt and Google Ideas think tank Director Jared Cohen on what Richardson has called a private, humanitarian trip. Schmidt, who is the highest-profile U.S. business executive to visit North Korea since leader Kim Jong Un took power a year ago, has not spoken publicly about the reasons behind the journey to North Korea.


The high-profile visit comes just weeks after North Korea launched a long-range rocket to send a satellite into space. Washington has condemned the launch as a banned test of missile technology.


Schmidt, who oversaw Google‘s expansion into a global Internet giant, speaks frequently about the importance of providing people around the world with Internet access and technology. Google now has offices in more than 40 countries, including all three of North Korea’s neighbors: Russia, South Korea and China, another country criticized for systematic Internet censorship.


He and Cohen have collaborated on a book about the Internet’s role in shaping society called “The New Digital Age” that comes out in April.


Using science and technology to build North Korea’s beleaguered economy was the highlight of a New Year’s Day speech by leader Kim Jong Un.


New red banners promoting slogans drawn from Kim’s speech line Pyongyang’s snowy streets, and North Koreans are still cramming to study the lengthy speech. It was the first time in 19 years for North Koreans to hear their leader give a New Year’s Day speech. During the rule of late leader Kim Jong Il, state policy was distributed through North Korea’s three main newspapers.


___


Follow AP’s bureau chief for Pyongyang and Seoul at www.twitter.com/newsjean.


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Ned Wertimer, doorman on 'Jeffersons,' dies at 89


LOS ANGELES (AP) — Ned Wertimer, who played Ralph the Doorman on all 11 seasons of the CBS sitcom "The Jeffersons," has died.


Wertimer's manager Brad Lemack said Tuesday that the 89-year-old actor died at a Los Angeles-area nursing home on Jan. 2, following a November fall at his home in Burbank.


A native of Buffalo, N.Y., and a Navy pilot during World War II, Wertimer had one-off roles on dozens of TV shows from the early 1960s through the late 1980s, including "Car 54 Where Are You?" and "Mary Tyler Moore."


But he was best known by far as Ralph Hart, the uniformed, mustachioed doorman at the luxury apartment building on "The Jeffersons," the "All In the Family" spinoff that ran from 1975 to 1985.


The show's star, Sherman Hemsley, died July 24.


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Gaps Seen in Therapy for Suicidal Teenagers





Most adolescents who plan or attempt suicide have already received at least some mental health treatment, raising questions about the effectiveness of current approaches to helping troubled youths, according to the largest in-depth analysis to date of suicidal behaviors in American teenagers.




The study, in the journal JAMA Psychiatry, found that 55 percent of suicidal teenagers had received some therapy before they thought about suicide, planned it or tried to kill themselves, contradicting the widely held belief that suicide is due in part to a lack of access to treatment.


The findings, based on interviews with a nationwide sample of more than 6,000 teenagers and at least one parent of each, linked suicidal behavior to complex combinations of mood disorders like depression and behavior problems like attention-deficit and eating disorders, as well as alcohol and drug abuse.


The study found that about one in eight teenagers had persistent suicidal thoughts at some point, and that about a third of those who had suicidal thoughts had made an attempt, usually within a year of having the idea.


Previous studies have had similar findings, based on smaller, regional samples. But the new study is the first to suggest, in a large nationwide sample, that access to treatment does not make a big difference.


The study suggests that effective treatment for severely suicidal teenagers must address not just mood disorders, but also behavior problems that can lead to impulsive acts, experts said. According to the Centers for Disease Control and Prevention, 1,386 people between the ages of 13 and 18 committed suicide in 2010, the latest year for which numbers are available.


“I think one of the take-aways here is that treatment for depression may be necessary but not sufficient to prevent kids from attempting suicide,” said Dr. David Brent, a professor of psychiatry at the University of Pittsburgh, who was not involved in the study. “We simply do not have empirically validated treatments for recurrent suicidal behavior.”


The report said nothing about whether the therapies given were state of the art or carefully done, said Matt Nock, a professor of psychology at Harvard and the lead author, and it is possible that some of the treatments prevented suicide attempts. “But it’s telling us we’ve got a long way to go to do this right,” Dr. Nock said. His co-authors included Ronald C. Kessler of Harvard and researchers from Boston University and Children’s Hospital Boston.


Margaret McConnell, a consultant in Alexandria, Va., said her daughter Alice, who killed herself in 2006 at the age of 17, was getting treatment at the time. “I think there might have been some carelessness in the way the treatment was done,” Ms. McConnell said, “and I was trusting a 17-year-old to manage her own medication. We found out after we lost her that she wasn’t taking it regularly.”


In the study, researchers surveyed 6,483 adolescents from the ages of 13 to 18 and found that 9 percent of male teenagers and 15 percent of female teenagers experienced some stretch of having persistent suicidal thoughts. Among girls, 5 percent made suicide plans and 6 percent made at least one attempt (some were unplanned).


Among boys, 3 percent made plans and 2 percent carried out attempts, which tended to be more lethal than girls’ attempts.


(Suicidal thinking or behavior was virtually unheard-of before age 10.)


Over all, about one-third of teenagers with persistent suicidal thoughts went on to make an attempt to take their own lives.


Almost all of the suicidal adolescents in the study qualified for some psychiatric diagnosis, whether depression, phobias or generalized anxiety disorder. Those with an added behavior problem — attention-deficit disorder, substance abuse, explosive anger — were more likely to act on thoughts of self-harm, the study found.


Doctors have tested a range of therapies to prevent or reduce recurrent suicidal behaviors, with mixed success. Medications can ease depression, but in some cases they can increase suicidal thinking. Talk therapy can contain some behavior problems, but not all.


One approach, called dialectical behavior therapy, has proved effective in reducing hospitalizations and suicide attempts in, among others, people with borderline personality disorder, who are highly prone to self-harm.


But suicidal teenagers who have a mixture of mood and behavior issues are difficult to reach. In one 2011 study, researchers at George Mason University reduced suicide attempts, hospitalizations, drinking and drug use among suicidal adolescent substance abusers. The study found that a combination of intensive treatments — talk therapy for mood problems, family-based therapy for behavior issues and patient-led reduction in drug use — was more effective than regular therapies.


“But that’s just one study, and it’s small,” said Dr. Brent of the University of Pittsburgh. “We can treat components of the overall problem, but that’s about all.”


Ms. McConnell said that her daughter’s depression had seemed mild and that there was no warning that she would take her life. “I think therapy does help a lot of people, if it’s handled right,” she said.


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Short sales in California surpass sales of foreclosed homes









When housing prices first went off the cliff, most mortgage lenders refused to cut deals with homeowners, choosing instead to repossess homes on a grand scale.


Five years and billions of dollars in losses later, many banks can't cut those deals fast enough, writing off large chunks of mortgage debt and even paying homeowners to move out.


In recent months, short sales — in which banks allow homeowners to sell for less than they owe — have surpassed sales of foreclosed homes in California for the first time since the start of the housing crash in 2007, according to real estate research firm DataQuick. The transactions now represent about a quarter of the market, a surge driven by rising home prices, government crackdowns on foreclosures and banks' increasing capacity to process the deals.





Lenders have revamped short sale departments, streamlining paperwork, creating new software systems and enlisting newly formed companies as liaisons with borrowers. Some institutions are even paying homeowners sizable sums to move, similar to "cash for keys" arrangements used as an alternative to eviction in foreclosures. Bank of America pays up to $30,000 in relocation assistance for certain successful short sales. JPMorgan Chase will pay up to $35,000. Wells Fargo offers similar aid, though it declined to specify an amount.


When William Morrison asked Bank of America to approve a short sale on his Seal Beach condo, the lender obliged in October — letting him sell for about $192,000 and forgiving an additional $98,000 he owed on his mortgage, according to public records. The bank threw in enough relocation assistance to cover one month's rent and the deposit on a new place.


"They gave me $3,000," Morrison said. "And that is exactly what it cost me to secure a little studio apartment in Seal Beach, pretty close to the old place."


The surge in short sales stems in part from last year's national mortgage settlement with the nation's five largest banks. To avoid going to court over foreclosure improprieties, the banks agreed to certain levels of debt forgiveness for underwater homeowners. Short sales count toward those commitments.


But the trend also marks a triumph of economic common sense. Short sales have long been less costly to banks than foreclosures. Homeowners often remain in a property until a new buyer is found, which helps banks avoid maintenance costs and keeps out squatters and vandals. Moreover, many buyers of foreclosures expect a discount, whereas banks aim to get market value for short sales.


"In general, short sales produce less of a loss than if the property goes through foreclosure," Wells Fargo spokesman Gary Kishner said. "In addition, the property is usually conveyed in better condition, which ultimately benefits the neighborhood."


On hold for months


At the height of the housing crisis, short sales seemed like a misnomer: neither short nor resulting in a sale. Homeowners waited months for a bank response to a short sale offer — often a rejection — even as banks deployed robo-signing factories to rubber-stamp foreclosures by the thousands. Properties with multiple loans proved particularly difficult to short-sell because each lender had to agree to take write-downs. Frustrated buyers moved on.


But banks now embrace the transactions, if only as a necessary evil. Ben Salem, a real estate agent for Rodeo Realty who specializes in distressed properties, has seen much of his business shift to short sales this year.


"You are seeing a lot of people from the foreclosure departments going over to short sale departments," Salem said. "What is happening is a good thing."


Since the crisis, major investors, including banks and government-sponsored mortgage titans Fannie Mae and Freddie Mac, have eased their rules to make short sales easier. New government programs offer more incentives to borrowers and banks, prompting lenders to work with buyers to market properties instead of waiting for offers to arrive.


Kimberly Dawson, a short sale specialist with Bank of America, said banks have simply become more adept at the transactions, which were rare before the housing bust. When a homeowner agrees to one of the bank's proactive short sales, the bank typically makes a decision on an offer in five to 10 days, she said. And with home prices rising and inventory tight, banks can more easily approve a sale.


"What we are looking for is market value. It is obviously the best thing for our investors and the community," Dawson said.


Forgiving debt, repairing credit


The incentives for short sales are more than just economic. Banks face a slew of new regulations after revelations of improper foreclosures based on forged or faulty paperwork. Avoiding foreclosure also means avoiding the legal hassle and expense of home repossessions.


"If you go through a short sale and a homeowner signs off on it, there is no downstream worry of litigation," said Sean O'Toole, founder of ForeclosureRadar.


Short sales have also become more beneficial for consumers. Banks now typically approve short sales that include deficiency waivers, meaning debt is forgiven. These kinds of short sales are less harmful to credit scores, according to Fair Isaac Corp., which developed the nation's most widely used credit-scoring formula.


For homeowners with hardships, such as job loss or illness, agreeing to a short sale means a waiting period of two years before the possibility of getting a new home loan backed by Fannie Mae or Freddie Mac, compared with three years for a foreclosure. A homeowner without such circumstances can also get a new loan two years after a short sale with a 20% down payment, compared with seven years for a foreclosure.


Leonard Roth hopes to use those two years to repair his finances so he can buy another house. He's working with his bank to short-sell his home in Redlands because he can no longer handle the monthly payment, which doubled to $2,800 after five years because of a variable rate.


"Two years," he said, "should give me enough time to save."


alejandro.lazo@latimes.com





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Banks, regulators reach mortgage settlements









In two of the biggest civil settlements since the financial crisis, the nation's biggest banks agreed Monday to cough up nearly $19 billion to resolve federal allegations of mortgage misdeeds.


Bankers saw the settlements as a major step in providing more certainty for their balance sheets and possibly foreshadowing an end to the era of billion-dollar mea culpas and open-ended regulatory probes.


In one case, 10 banks settled with regulators for $8.5 billion. In the second, Bank of America Corp. agreed to pay almost $10.4 billion to Fannie Mae, the giant loan buyer that the U.S. seized and propped up with tens of billions of taxpayer dollars.





The deals come three years after prosecutors dropped criminal investigations against such subprime-mortgage kingpins as Countrywide Financial Corp.'s Angelo Mozilo in favor of pursuing civil fines.


"I'd have to say we're at least 75% of the way through with this process," said SNL Financial analyst Nancy Bush, arguing that it's time to concentrate on rebuilding the dysfunctional U.S. mortgage system. "The bankers are going to have to stop complaining about the government, and we'll have to stop this endless calling for someone to go to jail."


Housing advocates welcomed payouts for homeowners but asserted that the banks and bankers have gotten off easy, given the enormity of the economic damage to Main Street.


"When you think about $8.5 billion, and you know trillions of dollars in wealth have been lost by communities, it's not enough at all," said Sasha Werblin of the Greenlining Institute. "But some money is better than nothing."


The Bank of America settlement ends a bitter standoff between BofA, once the largest seller of home loans, and Fannie Mae, the nation's largest mortgage buyer.


The deal ends Fannie's demands that BofA buy back a mountain of soured loans issued by Countrywide, the high-risk Calabasas lender BofA acquired in 2008. BofA Chief Executive Brian Moynihan characterized the deal as "a significant step in resolving our remaining legacy mortgage issues."


BofA agreed to buy back $6.75 billion in residential mortgage loans sold to Fannie Mae and pay it an additional $3.6 billion in cash.


Moynihan had agreed previously to tens of billions of dollars in Countrywide-related claims. Those include shouldering the lion's share of last year's $25-billion settlement that five banks reached with the Obama administration and state attorneys general over so-called robo-signing of foreclosure paperwork and other abuses.


BofA still faces billions of dollars in claims from plaintiffs, including major insurers, the U.S. attorney's office in New York and the federal regulator overseeing Fannie Mae and fellow mortgage finance giant Freddie Mac.


But the bank has reached a tentative $8.5-billion settlement with holders of certain Countrywide mortgage bonds and another pending settlement for $2.4 million over its acquisition of Merrill Lynch & Co., also in 2008.


Because Countrywide left Bank of America with so many mortgage-related headaches, many view BofA's tangles with regulators as a barometer for the whole mortgage industry, SNL's Bush said. And as bank stock prices recovered over the last year, BofA led the way with a 109% gain for 2012.


The $8.5-million settlement with 10 banks Monday represented an acknowledgment by bank regulators that a previous attempt to review millions of foreclosures for bank wrongdoing had failed. Instead, they took a streamlined approach — the lump sum — in getting relief for troubled borrowers. Four other banks opted out of the settlement.


The settlement replaces a failed process that started in April 2011. In that arrangement, the Office of the Comptroller of the Currency and the Federal Reserve required the 14 big providers of mortgage customer service to hire consultants to review foreclosures from 2009 or 2010, potentially affecting 4.4 million borrowers. Nearly half a million borrowers signed up for the free reviews, which were supposed to lead to compensation in cases of bank misconduct.


But the consultants' tab totaled $1.5 billion as last year ended — without a single penny of relief going to borrowers. So the regulators and 10 of the banks, including mortgage giants Bank of America, Wells Fargo & Co. and JPMorgan Chase & Co., agreed to a plan for more direct aid.


The 10 banks will pay $3.3 billion to 3.8 million borrowers, who could receive amounts ranging from a few hundred dollars to $125,000 depending on evidence of wrongdoing. Reviews continue at the four banks that opted out of the new approach.


In addition, the 10 banks agreed to provide $5.2 billion in foreclosure prevention assistance to borrowers at risk of losing homes, including mortgage modifications or forgiveness of judgments against them.


Comptroller Tom Curry, the nation's top bank regulator, said the switch was a "significant change in direction." But he said it met the original objectives "by ensuring that consumers are the ones who will benefit and that they will benefit more quickly and in a more direct manner."





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