13 home buying tips for 2013

(MoneyWatch) Although housing prices started to rebound last year and are expected to continue rising in 2013, it's still a buyer's market. Prices remain 30 percent below their peak before the housing crash and mortgage rates hovering at all-time lows. If you are ready to jump in to the real estate market, here are 13 house-hunting tips for 2013.

1. Run the numbers. Put together a financial plan to determine whether you can really afford to buy. After all, just because it's a good time to purchase a home doesn't mean it's a good time for YOU to buy. It's important to understand how much home you can afford and whether home ownership might preclude you from addressing other important financial issues in your life.

2. Save 20 percent for a down payment. I'm not a huge fan of putting down less than that amount (although the Federal Housing Administration allows it). Keep your downpayment fund in cash or cash equivalent accounts, so that market movements don't thwart your plans.

3. Use this great "rent vs. buy" calculator from the New York Times. Renting might still be the better deal in your area.

4. Be an informed buyer. You're not going to buy a house simply because there's a pretty photo posted online, but you can conduct a lot of price research. That said, there's nothing better than talking to people in the neighborhood for "on the ground" intelligence.

5. Obtain a copy of your credit report. If you haven't done so in a while, go to AnnualCreditReport.com and request your free copy. It's important that you correct any errors on the report before you start the mortgage process.

6. Get pre-approved for a mortgage. Pre-approval is a good gut check on your price range for a home. Gone are the days that banks will fork over cash to anyone with a heartbeat. The best way to start is to ask friends for referrals from mortgage brokers and to shop around with banks and credit unions. Make sure to compare apples to apples and to ask the broker about your total costs to you at closing. You should also know that once you actually find a home, the mortgage process is on the same pain level as a root canal, only it requires more patience and there's no Novocain. You'll need to dig up tons of paperwork and fair warning -- there will be multiple requests for even more documents as you move toward closing. Eventually, you will need "commitment letter," which details the terms of your loan approval.

7. Find an agent. As much as everyone complains about realtors, I still think that it's tough to go through the home buying process alone. In some markets, buyers' brokers are available, but the most important qualities in brokers are honesty, experience, good connections with other agents, and good referrals from buyers like you. Remember that most agents represent the seller, not the buyer.

8. Hire a real estate attorney. This is a major transaction in your life, so don't try to save money when it comes to legal fees. Even if your mortgage company provides a lawyer, hire your own to help draft all documents and to ensure that your interests are being represented at every step of the process.

9. Get an appraisal. An appraisal will determine the market value of the property and ultimately will be used by your lender to determine the amount of your loan. You have a legal right to get a copy of this and will want a copy for your records.

10. Schedule a home inspection. Think you've found your dream house? Maybe, but unless you have an engineer walk through the premises with you, you might be buying a new roof in a couple of years. Don't get freaked out if a problem arises during the inspection; it can often be addressed with a simple adjustment in price. It's imperative to protect yourself, so don't blow off this important step.

11. Start with a fair offer. The offer should be based on similar houses sold in the neighborhood in the past six months. Your agent will help you with the process, but the offer should include the price you're willing to pay for the house, your financing terms and contingencies such as specifying what will happen if any problems come up during the inspection.

12. Purchase homeowners insurance. If you are a life-long renter, this can be an eye-opener in terms of cost. Make sure that you understand the difference between insuring the structure and insuring the contents. And if you are buying property that is close to water, make sure that you have an agent who can help you enroll in the national flood insurance program.

13. Review your HUD statement BEFORE closing. The government document provides basic details about the involved parties and a lot of numbers. Mistakes do occur, which is why it is vital that you review the statement and confirm that everything is correct.

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Obama Unveils Sweeping Plan to Curb Gun Violence

Flanked by four children from across the country, President Obama today unveiled a sweeping plan to curb gun violence in America through an extensive package of legislation and executive actions not seen since the 1960s.

Obama is asking Congress to implement mandatory background checks for all gun purchases, including private sales; reinstate a ban on some assault-style weapons; ban high-capacity magazines holding more than 10 rounds; and crackdown on illicit weapons trafficking.

The president's proposal also includes new initiatives for school safety, including a call for more federal aid to states for hiring so-called school resource officers (police), counselors and psychologists, and improved access to mental health care.

Obama also signed 23 executive actions on gun violence, policy directives not needing congressional approval. Among them is a directive to federal agencies to beef up the national criminal background-check system and a memorandum lifting a freeze on gun violence research at the Centers for Disease Control and Prevention.

"I intend to use whatever weight this office holds to make them a reality," Obama said at a midday news conference. "If there's even one thing that we can do to reduce this violence, if there's even one life that can be saved, then we have an obligation to try.

"And I'm going to do my part."

Maqndel Ngan/AFP/Getty Images

Andrew Cuomo Signs New York Gun Control Law, Obama Readies Federal Plan Watch Video

'The View' on NRA Shooting App: Think It Out Watch Video

The announcement comes one month after a mass shooting at Sandy Hook Elementary School in Newtown, Conn., left 26 dead, including 20 children. Obama called it the worst moment of his presidency and promised "meaningful action" in response.

The proposals were the work of an Obama-appointed task force, led by Vice President Joe Biden, that held 22 meetings on gun violence in the past three weeks. The group received input from more than 220 organizations and dozens of elected officials, a senior administration official said.

As part of the push, Obama nominated a new director for the Bureau of Alcohol, Tobacco and Firearms, which leads enforcement of federal gun laws and has been without a confirmed director for six years. The president appointed acting director Todd Jones, the U.S. attorney for Minnesota, to the post, if the Senate confirms him.

The administration's plan calls for aid to states for the hiring of more school resource officers, counselors and psychologists. Obama also directed the Department of Education to ensure all schools have improved emergency-response plans.

He also called on Congress to make it illegal to possess or transfer armor-piercing bullets; it's now only illegal to produce them.

"To make a real and lasting difference, Congress must act," Obama said. "And Congress must act soon."

Officials said some of the legislative measures Obama outlined could be introduced on Capitol Hill next week. The pricetag for Obama's entire package is $500 million, the White House said.

"House committees of jurisdiction will review these recommendations," a spokesman for House Speaker John Boehner said in response to Obama's announcement. "And if the Senate passes a bill, we will also take a look at that."

The proposals are already being met with stiff opposition from gun rights advocates, led by the National Rifle Association, which overnight released a scathing ad attacking the president as an "elitist hypocrite."

"Are the president's kids more important than yours?" the narrator of the NRA ad says. "Then why is he skeptical about putting armed security in our schools, when his kids are protected by armed guards at their school?"

Obama has questioned the value of placing more armed guards at schools around the country, although his proposal does call for placement of more police officers at public schools. The NRA opposes most of the other gun restrictions Obama has proposed.

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Is China ready for labor camp reform?

STORY HIGHLIGHTS

• Chinese media recently said infamous 'Re-Education Through Labor' system would be reformed


• HRW: Roughly 160,000 people are detained in China for up to four years without trial


• Maya Wang: Like other long-mooted reforms, this might only be a cosmetic gesture


• As a type of arbitrary detention, RTL should not be reformed, it should be abolished, she says

Editor's note: Maya Wang is a researcher in the Asia Division of Human Rights Watch based in Hong Kong. She is an expert on a wide range of human rights issues in China including arbitrary detention, torture and disability and women's rights. Follow her on Twitter @wang_maya.

New York (CNN) -- Did the Chinese government announce earlier this week that it would end its notorious detention system known as Re-Education Through Labor (RTL)?

On January 7, Meng Jianzhu, the head of the powerful Political and Legal Committee of the Chinese Communist Party, reportedly announced that the government would "stop using" the system, in which roughly 160,000 people are detained for up to four years without trial for "crimes that are not severe enough to warrant a criminal sentence," by the end of 2013.

Read: China hints at ending its labor prison camps

After media outlets confirmed the news with officials who attended the meeting Meng spoke at, the original articles reporting the decision vanished from the Internet. A subsequent Xinhua news story watered down Meng's statement, committing the government only to "advancing reforms" of RTL -- which is old news -- a long-stated but never-implemented goal.

This episode highlights three realities of China's human rights situation: 1) the news is often not what it initially appears to be, especially if a key government decision is at stake; 2) the new leadership is struggling to reply adequately to growing popular demand for reform; and 3) changes to RTL, like other long-mooted reforms, might only be a cosmetic gesture, leaving intact laws and practices that violate domestic and international human rights standards.

Read: 'Lost generation' recall hardships of Cultural Revolution

China's new leaders have come to power during a serious legitimacy crisis, with a nation eager for political reforms. Indeed, party chief Xi Jinping has repeatedly vowed to "deepen reform." At the same time, there has been rising public discontent over local officials' abuse of RTL to muzzle ordinary people seeking justice or criticizing the government. The system was further discredited by the recent detentions of Tang Hui, a mother seeking redress for the rape of her young daughter, and Ren Jianyu, a village official who posted negative comments online about the government.

Meanwhile, the main obstacle to abolishing RTL, the Ministry of Public Security, which holds the unchecked power to detain individuals in these facilities, has seen its political clout diminished under the new leadership arrangement. The time for abolition of RTL appears ripe, but it's unclear whether Xi is ready to move from talking about reforms to delivering them.

As a type of arbitrary detention, RTL should not be reformed: it should be abolished outright.

The tepid Xinhua announcement promising to "reform" RTL suggests that instead of abolition, the government will merely tinker at the margins of the existing system. Fears this might be the case derive from the August 2012 announcement of a pilot scheme in four cities. Few details are available, except that the name of the system was revised from Re-education to "Education and Correction," and minor constraints on the police's ability to impose these punishments were established.

The debate in and outside of China this week echoes the 2003 debate about the abolition of "Custody and Repatriation." This system of administrative detention was designed to detain individuals found outside of their official location of residence (hukou). It was similarly discredited and abolished after a series of abuses, the last straw being the beating and death of a young man in a Custody and Repatriation center in Guangzhou in March 2003.

The decision to get rid of the system was made at the beginning of the then-new leadership of Hu Jintao and Wen Jiabao, and was perceived as a signal of reform. Yet the failure to match the end of Custody and Repatriation with a wholesale prohibition on arbitrary detention mitigated the benefits of its abolition. Migrant workers who had been prey for the system benefited from its abolition, but local governments soon found new ways to deal with the other category of people detained in Custody and Repatriation centers -- petitioners.

Illegal and ad hoc "black jails" were set up to prevent them from trying to reach higher authorities to denounce local official misconduct. The central government tolerates the existence of these patently unlawful black jails, demonstrating that it continues to lack commitment to ending arbitrary detention.

Read: Chinese petitioners claim hotel used as 'black jail'

Swapping one system of arbitrary detention for another would be a missed opportunity for the new leadership. Real change requires that the government abolish RTL, and establish in its place a new system to punish minor crimes that is consistent with the Chinese Constitution as well as its international human rights obligations, and pass the necessary legislation during the next National People's Congress in March.

The judiciary -- not the police -- should be responsible for considering charges, determining guilt, and assigning appropriate punishment. People who are accused must have the ability to confront and question their accusers, the right to counsel, and all fair trial guarantees. Anything short of this will not quench the public's thirst for the "deepening reform."

Follow @CNNOpinion on Twitter.

Join us at Facebook/CNNOpinion.

The opinions expressed in this commentary are solely those of Maya Wang.

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RP's Kenneth Jeyaretnam to focus on national & local issues

SINGAPORE: He's no stranger to politics, having contested in West Coast Group Representation Constituency during the 2011 General Election. This time, Kenneth Jeyaretnam is venturing out on his own, to stand as Reform Party's (RP) candidate in the Punggol East by-election.

The former hedge fund manager took over the reigns of the Reform Party, following the death of his father, J.B. Jeyaretnam.

He said he has come a long way from then, having initially had the mindset of an economist. "I've learnt, I've become much more of a democracy advocate, activist, and recognised that without democracy, without freedom, we're not going to have prosperity."

Since contesting in the General Election in 2011, the 53-year-old said he has been walking the ground, making his presence felt in Punggol East since December last year.

Mr Jeyaretnam said his Party is relatively new, and has to work with limited resources, but he's confident it has the interests of the residents at heart.

"I think we would focus both on the national and local level, on ensuring that the welfare of the citizens is uppermost in the government's minds."

He said if elected, he will raise the concerns of the residents. These include cleanliness and drainage issues in the area, and questioning the lengthy renovation work of Rivervale Plaza.

He said he will also move to the ward if elected. "I use public transport, and I've noticed that there are a lot of problems with public transport, and delays on the Light Rail Transit (LRT) in getting here. I would hope I will experience it first hand, the problems faced by the locals."

Mr Jeyaretnam said residents have welcomed the Party standing in the by-election, and added that "it's only right that the people should get to choose."

- CNA/ck

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NY passes 1st U.S. gun control bill since Newtown

ALBANY, N.Y. New York's Assembly on Tuesday easily passed the toughest gun control law in the nation and the first since the Newtown, Conn., school shooting, calling for a tougher assault weapons ban and provisions to try to keep guns out of the hands of the mentally ill who make threats.

Gov. Andrew Cuomo pushed hard for the bill, which passed the Senate on Monday night. He is expected to quickly sign the measure into law.

"This is a scourge on society," Cuomo said Monday night, six days after making gun control a centerpiece of his State of the State address. The bipartisan effort was fueled by the Newtown tragedy that took the lives of 20 first graders and six educators. "At what point do you say, `No more innocent loss of life'?"

The measure, which passed the Assembly 104-43, also calls for restrictions on ammunition and the sale of guns.

"This is not about taking anyone's rights away," said Sen. Jeffrey Klein, a Bronx Democrat, when the bill passed the Senate late Monday night. "It's about a safe society ... today we are setting the mark for the rest of the county to do what's right."

Under current state law, assault weapons are defined by having two "military rifle" features such as folding stock, muzzle flash suppressor or bayonet mount. The proposal reduces that to one feature and includes the popular pistol grip.

Play Video

Obama speaks out on gun control, debt ceiling

Meanwhile President Barack Obama will formally announce a "package of concrete proposals" for reducing gun violence on Wednesday, the White House announced.

In a White House press briefing Tuesday, spokesman Jay Carney declined to outline exactly what Mr. Obama's plan would entail, but noted that it would reflect the president's desire for a "comprehensive approach," as well as specific legislative actions he has called on before -- including reinstating the assault weapons ban, a ban on high-capacity magazine clips, and expanded background checks for gun owners.

Private sales of assault weapons to someone other than an immediate family will be subject to a background check through a dealer. New Yorkers also would be barred from buying assault weapons over the Internet, and failing to safely store a weapon could lead to a misdemeanor charge.

Ammunition magazines will be restricted to seven bullets, from the current 10, and current owners of higher-capacity magazines will have a year to sell them out of state. An owner caught at home with eight or more bullets in a magazine will face a misdemeanor charge.

Another provision places requirements on therapists, psychologists, registered nurses and licensed social workers who believe a mental health patient made a credible threat to use a gun illegally. They would be required to report such a threat to a mental health director, who would have to notify the state. Any registered handguns — or registered assault weapons purchased before the ban — could be taken from the patient.

The legislation also increases sentences for gun crimes including the shooting of a first responder that Cuomo called the "Webster provision." Last month in the western New York town of Webster, two firefighters were killed after responding to a fire set by the shooter, who eventually killed himself.

The measure passed the Senate 43-18 on the strength of support from Democrats, many of whom previously sponsored bills that were once blocked by Republicans.

New York City Mayor Michael Bloomberg, one of the nation's leading gun control advocates, said the bill will not satisfy everyone but said it is a move in the right direction.

"New York has been a leader. We have some of the toughest gun laws in the country and this just strengthens them, it fills in loopholes and it expands it as the society's needs have changed and the dangers have changed to all of us," Bloomberg told reporters including WCBS 880's Marla Diamond. "It makes all New Yorkers safer and they all - from the governor down - deserve real credit for doing it."

The governor confirmed the proposal, previously worked out in closed session, also mandate a police registry of assault weapons, grandfathering in the estimated 1 million assault weapons already in private hands.

It was agreed upon exactly a month since the Sandy Hook Elementary School tragedy.

"It is well-balanced, it protects the Second Amendment," said Senate Republican leader Dean Skelos of Long Island.

Cuomo said he wanted quick action to avoid a run on assault weapons and ammunition.

Assemblyman Steve Katz said legislators were being "bullied." He said the bill is "solely for the governor's egotistical, misguided notion."

Republicans argued the bill wouldn't stop mass shootings or other gun crimes but instead turns law-abiding into potential criminals.

Republican Assemblyman James Tedisco said the bill was dangerous because it would give people a "false sense of well-being."

"You are using innocent children killed by a mad man for own political agenda," he said. "You are actually making people less safe."

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Secret Revealed: Facebook Announces New Tool

How you search Facebook is about to change. In fact, just the act of searching Facebook is probably about to start.

Facebook is trying to give Google a run for its money, with a new product called "Graph Search." It turns some of the personal information people have shared on Facebook into a powerful searchable database.

For the social network's 170 million users in the U.S., it's bound to change the way people interact with their Facebook friends. It also could mean lots more time wasted at work.

Facebook allowed ABC News "Nightline" behind the scenes ahead of today's product launch, an event shrouded in secrecy and rife with speculation. Company officials had sent out a tantalizingly vague invitation: "Come and see what we're building."

CEO Mark Zuckerberg has long wanted to develop a social search engine, even hinting back in September that one might be in the works. The new feature gives users the ability to easily search across the network and their friends' information. Company officials say they believe it has the potential to transform the way people use Facebook.

Graph Search: What Is It?
Until now, the search bar you saw when you logged in to your Facebook page wasn't very powerful. You could only search for Timelines -- your friends' pages, other peoples' public pages and business or product pages.

But now, after close to a year and a half of development, the new "Graph Search" will allow you to search and discover more about your friends and other information that's been put on the world's largest social site.

Inside the Crucial 24 Hours Before Facebook's Graph Search Launch: Watch Tonight at 12:35 a.m. on ABC News "Nightline"

The new tool, available only to a limited set of U.S. users at first, turns key information that nearly a billion people have shared on the site -- including photos, places, and things they "like" -- into a searchable database tailored to your individual social network.

The new tool allows you to search across your friends' Timelines, without having to go to each of their Timeline pages to find out if they like a specific place or thing.

"I can just type in a short, simple phrase, like friends who like soccer and live nearby," Facebook product manager Kate O'Neill, told ABC News "Nightline" in an exclusive behind-the-scenes interview. "And now I'm getting the exact group of people that I'm looking for, so I can play soccer and ask them if they want to kick the ball around with me after work." O'Neill was able to narrow down the search in a demonstration only to show women.

MORE: Guide to Facebook's New Privacy Settings

The tool can search your friends' publicly shared interests, photos, places and connections. O'Neill showed ABC News how you can search for different musical artists and see which of your friends like them. She also showed how you can search a company and see which of your friends, or friends of your friends, work there. Additionally, you can search for photos of a specific place -- like Big Sur -- and the Graph Search will return images your friends might have taken of the location.

Right now, you can't search for things that were shared in a Timeline post or an event. However, O'Neill confirmed that this would be added to Graph Search later.

Privacy and Opting Out
The new product raises obvious privacy questions. Will personal information now pop up in the Graph Search, even if you never wanted to share it? How about those photos you never wanted to have on Facebook in the first place, or the ones you thought you were sharing only with your close friends?

"[Privacy] is something, of course, we care a lot about, and so from the very beginning we made it so that you can only search for the things that you can already see on Facebook," Tom Stocky, one of the lead Graph Search senior engineers, told "Nightline."

Stocky also pointed ABC News to Facebook's recent privacy tool changes, which allow you better to see what personal information your friends and others can see on Facebook. O'Neill showed the new Activity Log tools as well as the photo "untag" tool, which lets you contact others who might have a photo of you posted that you'd wish they'd take down.

When asked if users can opt out of the new search in general, Stocky said that they can choose to change the privacy settings on each of their pieces of content.

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Are gun curbs just symbolism?

STORY HIGHLIGHTS

• Gun violence recommendations are expected from Vice President Biden on Tuesday


• The proposals are expected to contain substantive and symbolic ideas to curb gun violence


• Presidents use symbolism to shift public opinion or affect larger political or social change

Washington (CNN) -- The pictures told the story: Vice President Joe Biden looked solemn, patrician and in control as he sat at a long table in the White House, flanked by people on both sides of the gun control issue.

The images conveyed a sense that the White House was in command on this issue.

And that's the point. Historically, presidential administrations have used symbolic imagery—at times coupled with marginal actions—to shift public opinion or affect larger political or social change.

"Politics is a risk taking project," said Julian Zelizer, a Princeton University historian and CNN contributor. "They put together these commissions in response to some crisis. You try a hundred things and hope something works."

On the eve of the Biden-led gun control task force recommendations to President Barack Obama, political experts say it is important that his administration sends a clear signal that it has things in hand.

That is especially critical in what will likely be an uphill battle to push specific changes, like an assault weapons ban, as part of a broader effort on gun control.

The first move in the image battle will be to appear to move quickly and decisively.

"You have to give the Obama administration credit for one thing: They've learned from history to do things quickly," Larry Sabato, director of the University of Virginia's Center for Politics, said of previous task force initiatives that fizzled.

In 2010, Obama appointed a bipartisan commission headed by former Republican Sen. Alan Simpson of Wyoming and Erskine Bowles, a former Democratic White House chief of staff, to come up with a proposal to balance the budget and cut the debt.

Like the gun task force, Simpson-Bowles reviewed current regulations, gathered input from the public and engaged in tense internal conversations. But after months of working on a proposal—a blend of steep revenue increases and spending cuts—the group struggled to agree to a solution. The president did not take up the recommendations.

Obama largely avoided the issue of gun control during his first term.

He wrote an opinion piece two months after the 2011 assassination attempt on Rep. Gabrielle Giffords of Arizona, acknowledging the importance of the Second Amendment right to bear arms. In the piece he also called for a focus on "effective steps that will actually keep those irresponsible, law-breaking few from getting their hands on a gun in the first place."

But in the aftermath of that shooting and as the election season loomed, the Justice Department backed off from a list of recommendations that included a measure designed to help keep mentally ill people from getting guns.

For now, at least, there is a sense in Washington that the Newtown, Connecticut, school shooting where 26 people -- 20 of them young children -- were slaughtered could lead to meaningful legislative reform.

Public opinion would seem to suggest that the White House efforts are well timed.

In the month since the massacre, a new poll showed the percentage of Americans who said they were dissatisfied with America's gun laws has spiked.

The Gallup survey released on Monday showed 38% of Americans were dissatisfied with current gun regulations, and wanted stricter laws. That represented 13-point jump from one year ago, when 25% expressed that view. "You want to strike while the iron is hot," Sabato said. "We Americans have short attention spans and, as horrible as the Newtown shooting was, will anyone be surprised if we moved along by spring?"

The White House has since worked overtime to show it considers gun control an urgent matter.

The vice president has spent the last week meeting with what the White House calls "stakeholders" in the gun control debate.

On Monday, Biden was to meet with members of a House Democratic task force on guns, along with Attorney General Eric Holder, Homeland Security Secretary Janet Napolitano, and Kathleen Sebelius, the secretary of Health and Human Services.

In a series of face to face discussions on Thursday, Biden sat down with the National Rifle Association and other gun owners groups before conferring with representatives from the film and television industry.

In a sign the White House is prepared to move aggressively on its proposals, Biden made public comments just before meeting with the National Rifle Association, the country's most powerful gun lobby.

"Putting the vice president in charge of (the task force) and having him meeting with these groups is intended to show seriousness and an effort to reach out and respond to concerns and wishes of various groups," said Alan Abramowitz, a political science professor at Emory University.

Still, the NRA expressed disappointment in its discussion with Biden and later released a statement that accused the administration of mounting "an agenda to attack the Second Amendment."

Organizations seeking tougher gun control laws insist an assault weapons ban is critical to addressing the nation's recent rash of mass shootings. However, such a ban could be difficult in a Congress mired in gridlock.

"The bully pulpit is limited. It's hard for the president to sustain that momentum," Zelizer said of the White House's gun control efforts after the Newtown shootings. "The thing about symbolism is, like the shock over Newtown, they fade quickly."

CNN's Jim Acosta and Kevin Liptak contributed to this report

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Clinton to testify January 23 on Benghazi attack

WASHINGTON: Secretary of State Hillary Clinton will appear before lawmakers on January 23 to be quizzed about the deadly attack on a US mission in Libya, just days before she steps aside as top US diplomat.

The chairman of the House Foreign Affairs Committee, Ed Royce, announced the date in a statement late Monday. A Republican senator last week said Clinton likely would make her appearance before Congress January 22.

"My intention is for this hearing to focus on why this attack was not better anticipated, what leadership failures at the State Department existed, and what management deficiencies need to be corrected in order to better secure our diplomatic facilities abroad and protect our diplomats serving in them," wrote Royce, a California Republican.

"It is important to learn all we can about what happened in Benghazi because at the end of the day, it could happen again," he added. "After all, Al-Qaeda plans attacks over and over again."

Clinton was to have testified December 20 after a scathing inquiry blamed "grossly inadequate" security at the diplomatic outpost in Benghazi for failing to protect staff there.

But she was forced to cancel her testimony and send in her two deputy secretaries instead when she fell ill with a virulent stomach bug and later suffered a concussion and blood clot.

Ambassador Chris Stevens and three other Americans were killed when heavily-armed militants overran the compound and a nearby annex on September 11 in a bloody and terrifying eight-hour assault.

The Accountability Review Board set up by Clinton to investigate the attack found "systemic failures and leadership and management deficiencies at senior levels within two bureaus of the State Department" responsible for security.

Assistant Secretary Eric Boswell, head of the bureau of diplomatic security, resigned his post after the report was released and was placed on administrative leave along with three other senior staff.

President Barack Obama has tapped the veteran Democratic senator John Kerry to replace Clinton, but his nomination requires confirmation by the Senate, which is in recess until January 21.

- AFP/ck

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Armstrong apologizes to staff, doesn't mention steroids

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STORY HIGHLIGHTS

• NEW: Sources wouldn't say whether Armstrong admitted to drug use


• NEW: Interview with Oprah Winfrey lasted 2 1/2 hours, talk show queen tweets


• Former cyclist apologizes to cancer foundation workers for their stress

(CNN) -- Lance Armstrong was emotional at times during his interview Monday with talk show queen Oprah Winfrey, a source familiar with the interview told CNN.

The person refused to discuss the specifics of what Armstrong said, including whether he confessed to using performance-enhancing drugs as some media outlets have reported he would.

Armstrong was accompanied to the interview by a group of advisers and close friends, the source said.

Winfrey tweeted after the interview: "Just wrapped with @lancearmstrong More than 2 1/2 hours . He came READY!" The interview will be edited down to 90 minutes, Winfrey has said.

The disgraced cycling legend earlier apologized to the staff of the cancer charity he started, a publicist for Livestrong foundation said.

Armstrong was tearful during the 15-minute meeting and didn't address the issue of steroid use in cycling, Rae Bazzarre, director of communications for the Livestrong Foundation, said.

Bazzarre added that Armstrong offered a "sincere and heartfelt apology for the stress they've endured because of him."

He urged them to keep working hard to help cancer survivors and their families.

Armstrong's sit-down in his hometown of Austin, Texas, with Winfrey was his first interview since he was stripped of his seven Tour de France titles in October in a blood-doping scandal.

Read more: Oprah interview with Lance Armstrong airs January 17

For more than a decade, Armstrong has denied he used performance-enhancing drugs, but he was linked to a doping scandal by nearly a dozen other former cyclists who have admitted to doping.

What Armstrong said or did not say to Winfrey could have ramifications.

Some media outlets have reported that Armstrong has been strongly considering the possibility of a confession, possibly as a way to stem the tide of fleeing sponsors and as part of a long-term redemptive comeback plan.

But such a confession might lend weight to the lawsuits that could await him.

The interview will air at 9 p.m. ET Thursday on the Oprah Winfrey Network. Winfrey has promised a "no-holds-barred" interview, with no conditions and no payment made to Armstrong.

But the speculations swirled Monday.

"I don't think we're going to get an out-and-out confession," says CNN sports anchor Patrick Snell. "I think we're going to get something like, 'This is what went on during this era of trying to compete at the highest level.'"

Snell cautions, though, that a confession may not come at all.

Armstrong, 41, has repeatedly and vehemently denied that he used banned performance-enhancing drugs as well as illegal blood transfusions during his cycling career.

Winfrey will ask Armstrong to address the U.S. Anti-Doping Agency's October report, which said there was overwhelming evidence he was directly involved in a sophisticated doping program, a statement from her network said last week.

The International Cycling Union, which chose not to appeal the USADA's lifetime ban, stripped Armstrong of his record seven Tour victories.

The World Anti-Doping Agency also agreed with the sanctions, which means Armstrong may not compete in sports governed by that agency's code.

Before the ban, he was competing in Ironman triathlons and had won two of the five events he had entered.

Since the ban he has entered two non-sanctioned events.

Report: Armstrong offered to donate $250,000 to anti-doping agency

Why now?

So, why would Armstrong choose to make a confession now?

"I would suspect that he sees this as certainly his best way forward," Snell says. "He would have taken strong legal advice, of course. When you look at the kind of stuff that Oprah's done over the years, it's a chance to get ... heartfelt emotions across."

The New York Times has reported that Armstrong was contemplating publicly admitting he used illegal performance-enhancing drugs. Such an admission might lead toward Armstrong regaining his eligibility.

One of his attorneys denied Armstrong was in discussion with the two anti-doping agencies.

Attorney Tim Herman, in a recent e-mail to CNN Sports, did not address whether Armstrong told associates -- as reported by the newspaper -- that he was considering an admission.

But such an admission could open him up to lawsuits, something Armstrong is likely well aware of.

"He is surrounded by the best legal advice, the best legal team," Snell says. "It's very hard for anyone to imagine him going into this without having been fully briefed, made aware of absolutely every scenario."

Drug tests

In the past, Armstrong has argued that he took more than 500 drug tests and never failed.

In its 202-page report that detailed Armstrong's alleged use of performance-enhancing drugs and blood transfusions, the USADA said it had tested Armstrong less than 60 times and the International Cycling Union conducted about 215 tests.

The agency did not say that Armstrong ever failed a test, but his former teammates testified as to how they beat tests or avoided the tests altogether.

The New York Times, citing unnamed associates and anti-doping officials, said Armstrong has been in discussions with USADA officials and hopes to meet with David Howman, chief of the World Anti-Doping Agency. The newspaper said none of the people with knowledge of Armstrong's situation wanted to be identified because it would jeopardize their access to information on the matter.

Under World Anti-Doping Agency rules, an athlete who confesses to using performance-enhancing drugs may be eligible for a reinstatement.

Awaiting Armstrong's 'last word'

Armstrong: The legend and the fall

Armstrong has been an icon for his cycling feats and celebrity, bringing more status to a sport wildly popular in some nations but lacking big-name recognition, big money and mass appeal in the United States.

He fought back from testicular cancer to win the Tour from 1999 to 2005. He raised millions via his Lance Armstrong Foundation to help cancer victims and survivors, an effort illustrated by trendy yellow "LiveSTRONG" wristbands that helped bring in the money.

But Armstrong has long been dogged by doping allegations, with compatriot Floyd Landis -- who was stripped of his 2006 Tour de France title after failing a drug test -- making a series of claims in 2011.

Armstrong sued the USADA last year to stop its investigation of him, arguing it did not have the right to prosecute him. But after a federal judge dismissed the case, Armstrong said he would no longer participate in the investigation.

In October 2012, Armstrong was stripped of his titles and banned from cycling. Weeks later, he stepped down from the board of his foundation, Livestrong.

Kurtz: Can even Oprah save Lance Armstrong?

CNN's Ed Lavandera, Kevin Bohn, Ed Payne, Jillian Martin and Chelsea J. Carter contributed to this report.

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