* Changing times: Not enough homes to meet demand

* Startup scene: Will Austin ever live up to its promise?

* Ellen Cushing: The Bay Area’s bacon-wrapped economy

* Scott Thurm: ‘Pay for performance’ no longer a punchline

* Morning Call: U.S. futures down, European shares fall and the Nikkei rises.

* Larry Fink: U.S. equities will rise 20%

* Om Malik: Google can Keep it to itself

* Second act: Dylan Ratigan becomes a farmer

* Add to cart: Jeff Bezos recovers Apollo 11 engines

* Will Hsu: Sh*t you should never say to a VC in a pitch

* Gareth Cook: The brilliance of the dog mind

* Cover of the year: Daily News shames Congress on guns

* Get Term Sheet: Sign up for our daily email on deals & dealmakers

* Marketing: Under new strategy, Morgan Stanley couldn’t invest in itself

* Matt Levine: Fitch And Kroll are happy to make mortgage securitization fun again