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There Is No Question This Stock Is Overvalued
Chad is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
I understand that Wells Fargo (NYSE: WFC) has a lot of fans in the stock market. With Warren Buffett being one of the largest stockholders, it's easy to understand the attraction to the stock. However, the company's recent earnings suggest that the stock is overvalued. It's not just one thing either, the issues facing the company range from deposit problems, to credit quality, to the stock price.
Banking 101
It's easy to forget what makes most banks tick after the issues of the last several years. There was an old adage about bankers, that they lived on threes and sixes. The traditional banker was thought to pay 3% on deposits, lend money at 6%, and play golf at 3 PM.
Today the core of banking is still deposit gathering and lending. However, there are many complications to the business like fair lending rules, financial oversight, fee regulations, and more. That being said, deposits and loans are still an important measure of a bank's health, and by these measures, Wells Fargo has some issues.
It's not always deposit growth, but what types of deposit are growing
In banking, there is one simple rule, checking accounts are more important than any other type of account. The reason is simple, generally speaking checking accounts are non-interest bearing, and this is the cheapest source of funds. Since the bank also collects fee income from these accounts, they are highly profitable.
The problem at Wells Fargo is, the company's deposit growth isn't mainly coming from checking accounts. On the surface, the company's total deposit growth of 6.36% looks good. By comparison, BB&T (NYSE: BBT) reported 4.7% deposit growth, JPMorgan Chase (NYSE: JPM) reported deposits up 7%, and Bank of America (NYSE: BAC) saw deposits climb 4.38%.
However, once you get past the overall numbers, there is a difference in how these companies grew. Of BB&T's total deposits, about 37.13% come from money markets and savings, versus 39% at Bank of America. JPMorgan reported a higher percentage, with 51.87% of their total deposits coming from money market and savings accounts. However, Wells Fargo beat them all with 54.51% of their total deposits from money market and savings accounts.
The problem is, Wells Fargo is growing their deposits, but this growth is coming from more expensive sources. It's fine when interest rates are low to see good growth in money markets and savings, but longer-term, you want to see the biggest growth in checking accounts.
If this is a quality institution, you wouldn't know it by looking at their loans
If Wells Fargo is a quality institution, you wouldn't know it looking at the company's credit quality. While it's true that Bank of America has a worse percentage of non-performing loans at 2.53%, Wells Fargo isn't far behind at 2.44%. The difference between the two is, Bank of America saw their non-performers drop by 17.8% on a year-over-year basis, whereas Wells Fargo reported a decline of 7.21%.
Looking at JPMorgan and BB&T, their non-performers are already much lower than Wells Fargo. In fact, JPMorgan's non-performers stand at 1.6% of their portfolio, and BB&T reported a ratio of just 1.12%. As you can see, Wells Fargo seems to have a problem with their credit quality.
To add even more fuel to the fire, Wells Fargo's biggest problems are in its 1-4 family real estate loans. In fact, almost half of the company's non-performing loans come from this category. When you consider that 4.49% of the company's loans in this category are non-performing, the company's heavy push into mortgage lending should worry investors.
Sticking with the credit issue, Wells Fargo also has the lowest coverage ratio of their non-performing loans as well. In the last quarter, JPMorgan reported the highest coverage ratio at 179%, followed by BB&T at 130%, and Bank of America at 98.24%. Wells Fargo, on the other hand, reported a coverage ratio of just 88.09%. With a high percentage of past due loans, and the lowest coverage ratio, it's possible Wells Fargo's management may be underestimating their liabilities.
And the stock is overvalued too
If you look at Wells Fargo's forward P/E ratio of 10.2 compared to BB&T at 10.5, JPMorgan at 8.48, or Bank of America at 12.64, the stock looks fine. Analysts expect Wells to grow earnings by 8.1%, which looks better than JPMorgan at 7.03%, but worse than BB&T at 8.33%, and Bank of America at 22%. The company's yield of over 3% is right in line with BB&T and JPMorgan, and much better than Bank of America. So where is the problem?
The problem is, the company's book value relative to the share price. By this measure, Wells Fargo is more highly valued than any of their peers. Bank of America sells for just 60.3% of book value, JPMorgan sells for about 91%, and BB&T sells for 114%. By comparison, Wells Fargo currently sells for over 133% of book value.
Given that the company has issues in their loan portfolio, and their deposits are coming from more expensive sources than their peers, the current valuation doesn't seem to make sense. At current prices, investors are saying Wells Fargo is 16% better than BB&T, 46% better than JPMorgan, and 120% better than Bank of America. Given this extreme valuation difference, I don't see how anyone can say Wells Fargo isn't overvalued.
Wells Fargo's dedication to solid, conservative banking helped it vastly outperform its peers during the financial meltdown. Today, Wells is the same great bank as ever, but with its stock trading at a premium to the rest of the industry, is there still room to buy, or is it time to cash in your gains? To help figure out whether Wells Fargo is a buy today, I invite you to download our premium research report from one of The Motley Fool's top banking analysts. Click here now for instant access to this in-depth take on Wells Fargo.
Chad Henage owns shares of BB&T.; The Motley Fool recommends Wells Fargo. The Motley Fool owns shares of Bank of America, JPMorgan Chase & Co., and Wells Fargo. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Is this post wrong? Click here. Think you can do better? Join us and write your own!


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Arrow Accents for the Home
Valentine's Day is just around the corner and love is in the air. So in the spirit of all things Cupid, here's a look at some arrow inspired design aiming for a place in your home.
• 1 Sebastian's Stake Coat Rack from The Curiosity Shop - $150
• 2 Fernando Brizio's Target Table via Design Boom
• 3 Vintage motel sign from Urban Remains
• 4, 5 Arrow Wall Graphics from Etsy - $40
• 6 Whitehall Prod. Horse Weathervane on Amazon - $29
• 7 Lines and Arrows Linen Chenille Pillow from Etsy - $38
• 8 Arrow print fabric from Etsy shop Compulsively Created
• 9 The Arrow Bookshelf from Timothy Ben Furniture available in 20 different colors
• 10 Arrow Wall Hanger from Velocity - $40
1 Comment
I'm really liking the vintage IN and OUT (which reminds me, I desperately "need" an "&".) But that first coat rack thing makes me fear for the eyes of anyone unfortunate enough to be in its vicinity.

subset: commoncrawl


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Woodrow Hartzog is an Assistant Professor at the Cumberland School of Law at Samford University. His research focuses on privacy, human-computer interaction, online communication, and electronic agreements. He holds a Ph.D. in mass communication from the University of North Carolina at Chapel Hill, an LL.M. in intellectual property from the George Washington University Law School, and a J.D. from Samford University. He previously worked as an attorney in private practice and as a trademark attorney for the United States Patent and Trademark Office. He also served as a clerk for the Electronic Privacy Information Center.
By Woodrow Hartzog • May 10, 2013 at 12:00 am
Obscurity: A Better Way to Think About Your Data Than 'Privacy'
By Woodrow Hartzog • January 22, 2013 at 1:04 pm
Cross-posted from The Atlantic
By Woodrow Hartzog and Evan Selinger Read more » about Obscurity: A Better Way to Think About Your Data Than 'Privacy'
Chain-Link Confidentiality
By Woodrow Hartzog • April 26, 2012 at 10:04 am
I have just uploaded a new essay about online privacy to SSRN that will appear in Volume 46 of the Georgia Law Review. The essay, titled "Chain-Link Confidentiality," asserts that personal information that is shared online can be better protected if we require our confidants to make sure that their confidants are watching out for us. This strategy could help us retain control over our personal information as it moves downstream. Your comments are warmly welcome. Read more » about Chain-Link Confidentiality
Three Cheers for Obscurity, an Unspoken Beneficiary of United States v. Jones
By Woodrow Hartzog • February 2, 2012 at 9:59 am
Last week, the Supreme Court issued its opinion in United States v. Jones, in which the Justices held that the government's installation of a GPS device on a target's vehicle, and its use of that device to monitor the vehicle's movements, constituted a Fourth Amendment search. The decision was surprisingly unanimous on this point, though concurring opinions by Justices Sotomayor and Alito potentially amplify the significance of the opinion by proposing alternate approaches to the larger problem of ubiquitous surveillance technologies and privacy in public. Given the majority opinion's narrow focus on the attachment of the device to the car, the larger issue of privacy in public remains unsettled.
Others have done an exemplary job of commenting on the decision. The dominant themes arising from the decision and analysis of the decision seem to be the (re?)injection of the concept of trespass into Fourth Amendment doctrine, signs of potential withering of the third party doctrine, and recognition that Fourth Amendment and privacy doctrine will soon enough be useless if they do not adequately protect against ever-evolving surveillance methods and technologies.
I'd like to focus on an aspect of the decision that has not shown up much in the analysis of the case, likely because it was never explicitly mentioned in the text. Although the word obscurity does not appear anywhere in United States v. Jones, I think the decision, particularly Justice Sotomayor's concurring opinion, supports the idea that the obscurity of our personal information is worth protecting. Read more » about Three Cheers for Obscurity, an Unspoken Beneficiary of United States v. Jones
Resisting Terms of Use, Or: The Revolution Will Not Be Boilerplate
By Woodrow Hartzog • September 30, 2011 at 2:00 pm
Technology users are becoming frustrated over privacy-invasive terms of use agreements. In the past, this frustration was difficult to channel effectively enough to regularly change the terms. However, that futility is slowly abating. Users are increasingly attempting to negotiate the terms of their agreement through technology or a protracted exchange of public criticism and response. I would like to explain why a few recent developments leave me optimistic that a combination of resistance and innovation can offset some of the inequities in the standard-form contracts formed between users and websites. Read more » about Resisting Terms of Use, Or: The Revolution Will Not Be Boilerplate
Why Smart Phones Should Help Us Avoid Selfie Sabotage
Co-authored by Evan Selinger. Read more » about Why Smart Phones Should Help Us Avoid Selfie Sabotage
Keep Nude Photos offline? Here's a Better Idea
Two Reasons Why Extreme Social Surveillance Doesn't Replace Privacy
More than a few people maintain that if we all knew everything about each other, the world would be a better place. The total transparency argument takes many forms, and shades of it can be seen in the surveillance policy and discourse that holds that "more information is always better than less information," and information asymmetries should always be remedied by more disclosure and surveillance, not less.
Read the full article. Read more » about Two Reasons Why Extreme Social Surveillance Doesn't Replace Privacy
How to Stop Facebook From Making Us Pawns in Its Corporate Agenda
Google Can't Forget You, But It Should Make You Hard to Find
Cross-posted from Wired.
Co-authored with Evan Selinger. Read more » about Google Can't Forget You, But It Should Make You Hard to Find
Apple Probes Report ICloud Was Hacked to Gain Stars' Nude Photos
Apple Inc. (AAPL), which is poised to unveil new iPhones next week, and the FBI are probing reports hackers used the company's iCloud service to illegally access nude photos of actress Jennifer Lawrence and other celebrities. Read more » about Apple Probes Report ICloud Was Hacked to Gain Stars' Nude Photos
Hacked? Customers are often last to know
Rumors of a data breach at a major New York bank started circulating more than a week ago in cyber-security circles. So for insiders, news that JPMorgan Chase had been victimized was more confirmation than revelation, just the latest headline from a digital crime wave that shows no sign of ebbing. Read more » about Hacked? Customers are often last to know
Social media safety when posting pictures
"Cumberland School of Law Professor Woodrow Hartzog sees cases such as these and others dealing with online privacy and communication.
Via email, Hartzog says "Memes like this, while mean-spirited and hurtful, are often at best legally in the grey area. Legal recourse for these kinds of action is notoriously elusive."" Read more » about Social media safety when posting pictures
Good Fences Make Better Data Brokers
Woodrow Hartzog, Chain Link Confidentiality, 46 Georgia L. Rev. 657 (2012) available at SSRN. Read more » about Good Fences Make Better Data Brokers
Debunking the First Amendment Myths Surrounding Revenge Porn Laws
"Another way to understand the constitutionality of revenge porn statutes is through the lens of confidentiality law. Woodrow Hartzog persuasively contends that revenge porn is a "legally actionable breach of confidence."" Read more » about Debunking the First Amendment Myths Surrounding Revenge Porn Laws
Privacy Papers for Policy Makers (Past Event)
The Future of Privacy Forum
Co-chairs Jules Polonetsky and Christopher Wolf
in conjunction with Congresswoman Sheila Jackson Lee invite you to
"Privacy Papers for Policy Makers"
A discussion of leading privacy research Read more » about Privacy Papers for Policy Makers
We Robot 2014 (Past Event)
CIS Affiliate Scholars Peter Asaro, Ryan Calo and Woodrow Hartzog are listed as participants for We Robot 2014. Robotics is becoming a transformative technology. We Robot 2014 builds on existing scholarship exploring the role of robotics to examine how the increasing sophistication of robots and their widespread deployment everywhere from the home, to hospitals, to public spaces, and even to the battlefield disrupts existing legal regimes or requires rethinking of various policy issues. If you are on the front lines of robot theory, design, or development, we hope to see you. Read more » about We Robot 2014
The New Frontiers of Privacy Harm (Past Event)
For more information and to register please visit: http://www.siliconflatirons.com/events.php?id=1381
What harms are privacy laws designed to prevent? How are people injured when corporations, governments, or other individuals collect, disclose, or use information about them in ways that defy expectations, prior agreements, formal rules, or settled norms? How has technology changed the nature of privacy harm? Read more » about The New Frontiers of Privacy Harm
Drones & Aerial Robotics Conference (Past Event)
DARC is a multidisciplinary conference about Unmanned Aerial Vehicles (UAVs) and drones—with an emphasis on civilian applications.
Attendees will take part in a far-ranging exploration of these technologies and see firsthand the latest advancements in aerial robotics. In addition to looking at the cultural impact, legal challenges, and business potential, we'll also examine specific applications for drones including: agriculture, policing, wildlife conservation, weather, mapping, logistics, and more. Read more » about Drones & Aerial Robotics Conference
Big Data and Privacy: Making Ends Meet (Past Event)
Solutions to many pressing economic and societal challenges lie in better understanding data. New tools for analyzing disparate information sets, called Big Data, have revolutionized our ability to find signals amongst the noise. Big Data techniques hold promise for breakthroughs ranging from better health care, a cleaner environment, safer cities, and more effective marketing. Yet, privacy advocates are concerned that the same advances will upend the power relationships between government, business and individuals, and lead to prosecutorial abuse, racial or other profiling, discrimination, redlining, overcriminalization, and other restricted freedoms. Read more » about Big Data and Privacy: Making Ends Meet
Prof. Ryan Calo and Woodrow Hartzog - Hearsay Culture Show #213 - KZSU-FM
May 21, 2014
CIS Affiliate Scholar David Levine interviews Prof. Ryan Calo of University of Washington School of Law and Woodrow Hartzog of Cumberland School of Law on robotics law. Read more » about Prof. Ryan Calo and Woodrow Hartzog - Hearsay Culture Show #213 - KZSU-FM
Robo cops can not turn a blind eye
April 7, 2014
Listen to the full radio show (in German) at Deutschlandradio.
(English translation):
"On the other hand: even algorithms can make mistakes. You will eventually written by humans. And just legal texts can be difficult in a formalized language to translate. They are, says Woodraw Hartzog, just not made for it to be automated. And they are not made to be enforced to one hundred percent." Read more » about Robo cops can not turn a blind eye
We Robot: Do Robots Dream of Electric Laws? An Experiment in Law as Algorithm
April 30, 2013
Prof. Woodrow Hartzog and Fred Stutzman - Hearsay Culture - Show #170 - KZSU-FM
September 17, 2012
CIS Affiliate Scholar David Levine interviews Prof. Woodrow Hartzog of Cumberland School of Law, Samford University and Fred Stutzman of UNC on privacy in social media. Read more » about Prof. Woodrow Hartzog and Fred Stutzman - Hearsay Culture - Show #170 - KZSU-FM


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April 18, 2011
Los Angeles' Sets the Stage for Plug-In Electric Vehicles
Los Angeles, California, is once again helping lead the nation's deployment of plug-in vehicles and electric vehicle supply equipment (EVSE) infrastructure.
Los Angeles' Plug-In Vehicle Evolution
In 1990, California passed the nation's first Zero Emission Vehicle (ZEV) mandate, putting it at the forefront of that decade's deployment of plug-in vehicles, such as the General Motors EV-1, Toyota RAV4-EV, and Honda EV-Plus. Although many vehicles from this generation were discontinued in the early 2000s, California's vision helped set the stage for today's plug-in vehicle rollouts.
As California's largest city, Los Angeles was a leader in deploying the previous generation of plug-in vehicles and is committed to leading the next generation as well. Los Angeles is a huge vehicle market: home to 4 million people, with one of the nation's highest per-capita car-ownership rates. A municipal utility, the Los Angeles Department of Water and Power (LADWP), serves the city's electric needs, and permitting in the utility's service area is done entirely by the city's Department of Building and Safety—both of these factors facilitate plug-in vehicle and EVSE deployment.
LADWP is leading Los Angeles' plug-in vehicle efforts. As part of its Electric Vehicle Program, LADWP is helping to upgrade 350 publicly accessible charging stations and plans to add new charging stations based on public interest. It is promoting off-peak residential charging by offering discounted off-peak electric rates to plug-in vehicle owners. It also helped streamline the EVSE permitting and installation process (see section below) and is providing subsidies of up to $2,000 for each of 5,000 residential customers who agree to have their charging data collected. It is upgrading its electric distribution system to address the potential impacts of plug-in vehicle charging. In addition, it is expanding its own plug-in vehicle fleet and helping other city departments do the same.
The efforts don't stop at the city's borders. LADWP initiated the Southern California Regional Plug-In Electric Vehicle Plan (SoCal EV) to foster collaboration among governments, utilities, automakers, businesses, and other southern California stakeholders in support of establishing plug-in vehicle infrastructure. SoCal EV has the following objectives:
- Educate stakeholders about the benefits of plug-in vehicles and how to become ready for them
- Prepare southern California to be a major plug-in vehicle market
- Collaborate on EVSE infrastructure deployment
- Work with stakeholders to incentivize plug-in vehicles and infrastructure
- Streamline the EVSE permitting and installation process
- Adapt local codes and standards to encourage plug-in vehicle deployment
- Develop a customer service process that can support large-scale plug-in vehicle deployment
- Collaborate on fleet-acquisition plans.
National plug-in vehicle programs are focusing on Los Angeles as well. With support from the U.S. Department of Energy through the American Recovery and Reinvestment Act, ECOtality (EV Project) and Coulomb Technologies (ChargePoint America) are deploying thousands of publicly accessible and residential EVSE stations in select locations nationwide to serve the first owners of new plug-in vehicles. The goals of these projects are to analyze this first wave of plug-in vehicles and infrastructure and facilitate the transition to large-scale, nationwide deployment. Los Angeles is participating in both of these programs.
Los Angeles' EVSE Permitting and Installation Process
Los Angeles applied its existing online Express Permit system to EVSE installations (see flow chart at the right). The system enables standard EVSE customers to receive a permit automatically/instantaneously and start using their EVSE immediately after installation. Inspection follows within 24 hours; a separate EVSE inspection division created within the Department of Building and Safety helps ensure this rapid turnaround. All of Los Angeles falls under the Department of Building and Safety's jurisdiction, which gives customers and their contractors a consistent process throughout the city.
Next Steps
In addition to home-based EVSE for many plug-in vehicle buyers, about 1,550 publicly available Level 2 charging stations and 110 fast-charging stations will be installed in the Los Angeles–San Diego area as part of the EV Project. LADWP is working with automakers to identify areas of high plug-in vehicle demand precisely so appropriate grid capacity can be maintained. In addition, it is working with EVSE providers to evaluate the interaction of EVSE with utility meters and enable time-of-use pricing.
EVSE provider EV Connect and the Los Angeles County Metropolitan Transportation Authority are collaborating on a pilot project to analyze the integration of plug-in vehicles and infrastructure with a public transit network. Also under consideration are incentives such as HOV lane access and free parking for plug-in vehicles. As a sign of Los Angeles' leadership in the plug-in vehicle arena, Chinese plug-in vehicle manufacturer BYD is locating its North American headquarters in the city.
California provides incentives for plug-in vehicles and EVSE. See California Incentives and Laws on the Alternative Fuels and Advanced Vehicles Data Center.


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Ramen for old times sake. – at Arts district with Dreece – See on Path.
i'm like the mother who sits at home with a child that's yet to be born. knitting beanies for future winters, singing songs to be remembered to forcefield as a shield for a future sinner.
Good design should be innovative — It does not copy existing product forms, nor does it produce any kind of novelty just for the sake of it. The essence of innovation must clearly be seen in all of a product's functions. Current technological development keeps offering new chances for innovative solutions.
Good design should make a product useful — The product is bought in order to be used. It must serve a defined purpose, in both primary and additional functions. The most important task of design is to optimise the utility of a product's usability.
Good design is aesthetic design — The aesthetic quality of a product is integral to its usefulness because products we use every day affect our well-being. But only well-executed objects can be beautiful.
Good design will make a product understandable — It clarifies the product's structure. Better still, it can make the product talk. At best, it is self-explanatory.
Good design is honest — It does not make a product more innovative, powerful or valuable than it really is. It does not attempt to manipulate the consumer with promises that cannot be kept.
Good design is unobtrusive — Products fulfilling a purpose are like tools. They are neither decorative objects nor works of art. Their design should therefore be both neutral and restrained, to leave room for the user's self-expression.
Good design is long lived — It does not follow trends that become out-dated after a short time. Well designed products differ significantly from short-lived, trivial products in today's throwaway world.
Good design is consistent in every detail — Nothing must be arbitrary. Thoroughness and accuracy in the design process shows respect towards the user.
Good design should be environmentally friendly — Design must make contributions towards a stable environment and sensible raw material situation. This does not only include actual pollution, but also visual pollution and destruction of our environment.
Good design is as little design as possible — Less is more – because it concentrates on the essential aspects and the products are not burdened with non-essentials. Back to purity, back to simplicity."
-dieter rams"—


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General Information:
Friday, November 29th at 5:30pm
On Friday, November 29, 2013, Ghirardelli Square will host the 49th Annual Tree Lighting Ceremony at 5:30pm in the West Plaza. Visitors can take part in the Ghirardelli Square's gift to the city at this very special event that has become a tradition for many Bay Area families.
This year's festivities will include live music, children's entertainment and a visit from Santa. Christina Loren, NBC Bay Area's Meteorologist will emcee the event.
Friday, November 29th
- 4:00pm: Face painting & Lollipop pull at Lola Toy Stop (Lower Plaza) *for children 12 and under
- 4:00pm - 5:00pm: Yuletide Carolers
- 4:45pm - 5:30pm: Rocketship Radio
- 5:30pm - 6:00pm: Tree Lighting Ceremony with Christina Loren, Santa & Rocketship Radio
- 6:30pm - 7:30pm: Kevin Toqe


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(Source: prozac-heart)
(Source: prozac-heart)
(Source: lottaluna)
(Source: nevver)
(Source: theseasonalblog)
(Source: nickisinfinite)
OH MY FUCKING GOD I AM LITERALLY CRY THE ACTUAL TEARS FALLING DOWN MY FACE FROM HOW FUCKING CUTE THIS IS I CAN'T EVEN BELIEVE MY EYS DSJFAIBKVNZC MKD MY HEART IS MELTING OH MZX qa
(Source: cineraria)
(Source: jellisporadic)
GIVEAWAY PRIZES: (click the picture to scroll through all prizes!)
- Spiderman Series Minis! ~ Into The Night, Number One Nemesis, Just Spotted the Lizard!, and Your Web or Mine?
- China Glaze ~ Luxe and Lush, Optical Illusion, and Crackle Gleam Me Up
- Sinful Colors ~ Soul Mate, You Just Wait, and Tokyo Pearl
- Zoya ~ Goldie
- L' oreal ~ Club Prive
- 3 - Nail Star Two Way nail art pen & brushes
- Jolee's Jewels ~ Red swarvoski crystals
- Cina Nail Creations ~ Over the Rainbow
- Donalyn Water Nail Decals ~ Two amazing packs of nail water decals! One has hilarious and funny sayings, and the other has some vintage floral designs. :)
**P.S. For one of the entries that asked why I make it a requirement to follow me, to put it simply, I do it for you.
(Source: hydrotoxicity)
(Source: staypozitive)


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Once again there was a nice variety of games to report on this week, and the highlight of the week for me was the adventure game Yesterday from BulkyPix. After spending just a few minutes with this game I felt like I was playing an old masterpiece from Sierra Online or LucasArts, but one that had been given an interface boost that makes it perfect for touch screen devices. The causal RPG fan should check out Elphis Adventure, a new free offering from Com2us. You take on the role of Red Riding Hood in an attempt to rescue your grandma by traveling through different fairy tales and historical time periods. For those that are interested in learning Magic The Gathering, or those that are just looking for another avenue with which to play the game, Wizards of the Coast offers up Magic 2013. You can sample the card based strategy game for free, but if you want to test your mettle against other humans you'll need to buy the premium edition.
Every once in a while there is a week with so many solid new games released that it's hard for me to decide which ones to write about. This was one of those weeks. So, instead of recapping some of my entries in the intro, I'm going to mention a few that didn't quite make my list. Tennis fans should check out Virtua Tennis Challenge, the first installment of SEGA's hit franchise to make its way onto iOS devices. You'll compete against 50 different computer players on 18 courts across the globe, or you can challenge your friends via WiFi and Bluetooth. Chillingo fans were treated to 3 new games this week, but the one I'm most excited about is Air Mail. You'd never suspect that delivering packages would be so adventurous, but the brief teaser video shows you travelling to exotic locations and getting shot at repeatedly. Gamers that love side scrollers might be interested in Dragon Evolution. If the simple fact that you get to play a dragon isn't enough, how about 80+ missions, 36 skills and the ability to customize said dragon?
Looking for the latest app sales and deals for the iPhone, iPad and Mac? Here's our roundup today for the most recent freebies and price drops that are worth checking out. As always, they're only good for a very limited time.
Just in the time for the weekend, we present you with 10 apps that have dropped in price to $0.99 and are worthy of an app spot on your crowded springboard. The list includes one of the best TD games on iOS - Kingdom Rush HD (TMA Review), an overlooked but remarkable RTS in Z The Game (TMA Review) and everyone's favorite line drawing game, Flight Control HD.
And if you haven't already, don't forget to check out our Deals 'O the Day post from yesterday. Plenty of apps there are still showing as Free on the App Store. Full $0.99 sale roundup after the break.
It took them a while, but Namco came up with yet another way to abuse the Pac-Man property, and Pac-Mangames is the most interesting attempt yet in my opinion. They took several of their popular classics and created quick play, "rack up the score" versions of them, and then wrapped them all up in an odd avatar system. If Pac-Mangames sounds like a bit of a stretch you can always try your hand at Pocket Law Firm, a new time management system that not only could be fun but might just teach you something about the constitution as well. Just don't tell your friends you're actually learning with your iPad. If you just can't get enough of Hollywood retreads there's Mirror Mirror: The Untold Adventures, the video game tie-in for one of two Snow White films coming out this year. To its credit the game looks pretty sharp, and there are even a couple of places where it looks to break the mold of most runner type games, so hopefully it won't suffer the fate of most movie based games.
As always this week's New App Store Games Roundup features a very diverse selection of games. If you're into retro like I'm into retro, you'll probably appreciate Midway Arcade. The game comes with arcade translations of several popular Midway games, including Rampage and Spy Hunter, and you can buy additional packs of games via IAP. If you like shooters like I like shooters, then you might find Audio Invaders worth your while. It's a retro styled game in the vein of Space Invaders, but you can't see the enemies until you actually shoot them at least once. And if you like strategy like I like strategy, Operation: Eradicate could tickle your fancy. It looks to be a turn based, risk inspired strategy game with zombies and multi-player cooperative gameplay.
This President's Day Weekend edition of our Apps Gone Free roundup coincides with the third anniversary of the Sentinel: Mars Defense release, a popular tower defense game from the folks at Origin8. Together with Sentinel 2: Earth Defense (TMA Review) and Sentinel 3: Homeworld (TMA Review), the series has managed to rack up more than 3 million downloads on the App Store. To celebrate, the TD triology is now a free download for the entire weekend. Another noteworthy app that's gone from paid–>free is G5 Entertainment's Treasure Seekers: Visions of Gold for both the iPhone and iPad, a solid puzzle-oriented title with mini-games and hidden object gameplay mixed in. Check out the entire list of freebies after the break.
Note: If you missed our previous Apps Gone Free post, a good number from that roundup are currently still free on the App Store.
The tower defense genre is one that has always eluded me. Sure you have to construct towers (or some sort of defense) and possibly upgrade them during a level, but a bulk of each round is spent simply watching as hordes of monsters parade along a route and your equipment picks them off. Thankfully, though, over the course of time there have been a few that have bucked this trend, Kingdom Rush being one of them. Between constant interaction, interesting level design and a ranking system that allows you to buy permanent upgrades to your defenses, Kingdom Rush takes enough simple steps forward to push it ahead of the crowd.
Ubisoft's Assassin's Creed Recollection for the iPad, the well received card/board game based off the popular franchise, is now free for a limited time.
Assassin's Creed Recollection is a new iPad real-time board game from the Ubisoft Montreal studio that will allow players to live an entirely new experience in the world of Assassin's Creed. Fans of the franchise will be able to discover and amass a wide variety of artwork created for the Assassin's Creed games. They'll also be able to compete in political battles in a real-time board game with key characters and locations from the games.
Also free today is Playrix's super addictive match 3 Fishdom HD (Premium), an iPad offering that would have set you back $6.99 otherwise. Other freebies include Prose with Bros, The Blocks Cometh and Fractal : Make Blooms Not War. Be sure to check out the rest of the roundup after the break.
This week racing fans can let out their impulsive urges with Reckless Racing 2, the third Reckless game to grace us with its presence on the iOS platform. If it's half as entertaining as the original or Reckless Getaway, there's no question that it's a must have. If you prefer things a bit more supernatural Capcom has released an iOS port of their acclaimed Nintendo DS game Ghost Trick: Phantom Detective. Among other things you get to possess items and rewind time because you are, after all, dead. If you're still craving that Pokemon fix there's Terapets, a monster capture / combat game with 300 different creatures to trap. Good luck catching them all!


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When It Comes to the Hair, Ryder Gets to Call the Shots
by POPSUGAR Celebrity 23 Reactions 0 Shares Print
Kate Hudson stopped by Ellen yesterday to chat about and promote her short film, Cutlass but of course she couldn't help gushing about Ryder just a little.
She talked about how Ryder cracks her up and how he thinks the "posparazzi" are going to end the world. Kate also explained what we've been dying to know - why she doesn't cut that hair? As expected, he wants to keep it long like his Daddy's which is cute but apparently he was ready to cut it off if he could get a mohawk so Kate decided maybe the hair cut could wait for now. We're thinking Ryder and Maddox Jolie-Pitt should have a playdate.
To check out a video of Kate on Ellen just read more
Celebrity Babies
creepupmytee 6 years
whatever man.
LolaDub 6 years
:rotfl:...posparrazzi going to end the world..this kid is hilarious..LOL
pink_magnetism 6 years
Well, at least she let us know why she doesn't cut his hair. I don't know why people get so wrapped up in it though.
Meg23 6 years
Chris Robinson is so Hot! I wish they had showed a photo of him as well here.
paradisee 6 years
in 2 months he will look even more like a girl -*-+
lorenashley 6 years
oh please. no kid tells me what i can and cant do with his hair. please.
kgtg1 6 years
She didn't cut it when he was too young for an opinion because of religion.
LoneWolf 6 years
I think it's fine that she's letting him keep his hair long because he wants to. Sure, he's 4, but so what? It's OK that he has an opinion and she lets him know that his opinion matters. He didn't tell her he wants to smoke crack. Lighten up.
ladybugrenee 6 years
when kids get their way on things like this, they become NITEMARES in the classroom for teachers like me! ack!
ladybugrenee 6 years
ew another long haired nancy boy!
higgydt4 6 years
he even has a snake tattoo on his arm! too cute. (Fake, I know)I think he's just adorable.
veronicaraye 6 years
haha, cute boots.
MNDempseyLover 6 years
He's 3 almost 4. Why is he already running the show? She should have cut that hair long ago-before he had an opinion. Can you imagine what he'll look like as a teenager? His dad is out of control homely. She needs to be a mom and let him know whose in charge. Oh,,,, my little 4 year old doesn't want his hair cut, I guess that's fine. Spoiled!
rubialala 6 years
Posparazzi - that is SO cute! I think it's cool that she let's him decide how to wear his hair. I also think it's cool that he wants it to be just like Dad.
Iwillmarryunick 6 years
Hate the kids hair. Cut it please!
hills 6 years
lol greggie, yea i think kids can have their hair how ever they want, who cares what people think, if he likes it long its his own style and thats kooler than going with the crowds.
Novaraen 6 years
Let the kid have a mohawk...its just hair and it grows back. If my boys ask for one, i would let them....its kinda cute anyway. Better than the long girly-hair. ;)
Lovely_1 6 years
They look identical! Sooo cute!
Zahara-Pitt 6 years
miz_ayet 6 years
i bet he misses his dad very much since Kate divorced him. that's just really sad when parents divorced and kids are affected with it. im just glad that his dad has some influence on him even though his parents divorced.
FB1977 6 years
Poporazzi LOL that's cute!
jmast 6 years
Aww, that's cute. That makes sense why he wouldn't want his hair cut. If my son wanted to look like his daddy I wouldn't make him cut his hair :)
Greggie 6 years
Actually he doesn't get to call the shots if he wants a mohawk and she decided not to cut it at all then.
Link Love
- Meredith Vieira shares a story of abuse — Us Weekly
- What not to say to celebrities — HuffPost
- Bryan Cranston plays baseball with himself — ET Online
- The hottest guy on Pretty Little Liars — Gossip Girl
- More about Matt Damon's Bourne return — Hollywood Reporter
- Joe Manganiello is looking buff! — TooFab
- Will you see Adam Driver's latest? — Rotten Tomatoes
- Lady Gaga shares sweet PDA — Wonderwall
- The best bromances in film history — Moviepilot


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Type + Architecture. The Veenman Printer building in Ede, Netherlands was designed by Neutelings Riedijk. The typography by Dutch design hero Karel Martens is made of serigraphed glass (text by Dutch poet K. Schippers). You can also check this short but interesting video of Karel Martens by Anna Craemer talking about design, typograhy, couriosity and the future.
Tags: type architecture Karel martens dutch design
A tiny dose of type as seen, found and documented in Athens, Greece. Or somewhere around...
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Dictionary » R » Rod vision
Rod vision
rod vision --> scotopic vision
vision when the eye is dark-adapted.
See: dark adaptation, dark-adapted eye.
Synonym: night vision, rod vision, scotopia, twilight vision.
Please contribute to this project, if you have more information about this term feel free to edit this page
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RODS are more sensitive to light than are cones, and rods are particularly important for night vision. The outer segment of rods is an elongate cylinder of cytoplasm. Within this is column of ...
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... in bright condition The black and white colour is detected by cone or rod? My book said"Rod is for black and white vision" but..... I have done a HKCEE mc(30/99) It said: "When you are reading through ...
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Definition of ill-mannered in English:
ill-manneredLine breaks: ill-mannered
Having bad manners; not behaving well in social situations: ill-mannered and unruly children
More example sentences
- But many people, however, now celebrate and defend rude, ill-mannered behavior.
- It was quite rude and ill-mannered of you to make them wait on you.
- Golf parties are not notoriously rowdy or ill-mannered.
bad-mannered, rude, unmannerly, mannerless, impolite, discourteous, uncivil, abusive, disagreeable; insolent, impertinent, impudent, cheeky, audacious, presumptuous, disrespectful; badly behaved, ill-behaved, boorish, loutish, oafish, uncouth, uncivilized, ill-bred, coarse, gross
informal ignorant
Definition of ill-mannered in:
- The US English dictionary
- The English Synonyms
- The US English Synonyms
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This location has a Walk Score of 55 out of 100. This location is Somewhat Walkable so some errands can be accomplished on foot.
This location is in the Mount Pleasant neighborhood in St. Louis. Nearby parks include Mount Pleasant Park, Laclede Park and Minniewood Park.
Nearby schools include Confluence Preparatory Academy, Meramec Elementary School and South City Elementary School.
The closest grocery stores are Meramec Market, Universal Supermarket and Maude's Market.
Nearby coffee shops include Urban Eats Cafe & Bakery, Sump Coffee and Blank Space. Nearby restaurants include McDonald's, The Original Crusoe's Restaurant and SUBWAY® Restaurants.
This location is near Harris-Stowe State University, Ameren Headquarters and Monsanto Headquarters.
There are minimal bike lanes and the terrain is flat as a pancake. This location is bikeable, there is some bike infrastructure.


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Proceeding this way, does your profile folder (on your hard disk) keep its local name or is it renamed with a crazy name like when initializing a Microsoft Account from the beginning? I just would...
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