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We Chat With Gabe Thompson of L'Apicio, L'Artusi, dell'anima and Anfora
"My goal my entire life has been to be in charge and have my own restaurant. So it's kind of like a dream come true. I love what I do and the opportunities that I've had."
Chef / partner Gabe Thompson has a lot to juggle with his four restaurants—dell'anima, L'Artusi, Anfora and L'Apicio—but unlike many chef/owners of the day, you'll still often find him on the line, making the kind of food he likes to eat. Working at Clarklewis in Portland opened the Texas native's eyes to what the breadth of Italian-inspired cooking could be. Now he works with a tight partnership to cultivate his ideal menus and environment, where respecting the product, those who make it, and those who eat it all matter.
We met up with Thompson at L'Apicio in the East Village, his newest and largest restaurant that we reviewed quite favorably in December.
Here's how he got here.
What's New On Serious Eats
You worked in Portland and Austin before calling New York home. How did that happen? My best friend and I were running this restaurant in Austin, and we felt like it was the only place to really work there—at the time the food scene wasn't that great. I went on a trip to New York for a week and kind of fell I love with it. One Wednesday night I got a message from my friend and he's like, "dude, the restaurant's closed," and I was like, "fuuuuuuuuck!" So I decided to make the decision to come to New York.
When I arrived I trailed at Babbo, Le Bernardin, and the restaurant at the Ritz, and I got a job at every single one. I took the Le Bernardin job, but I didn't like it.
Why?! I don't remember why, because it was a fantastic restaurant and I saw things I had never seen before in my entire life, and worked with amazing ingredients. But there was kind of a mood or way you were spoken to and I just didn't jive with it. I didn't dig it.
Like, yelling and throwing things? Not throwing things, but yelling. When I look back it was all appropriate and it was silly of me not to like the job. I was also older than everybody that worked there and I had 22-year-old cooks who could run and cook circles around me kinda being dicks. I didn't want to be treated like an asshole by a 22 year-old kid, you know?
Was fine dining at that level just not your thing? It was the kind of environment where they tore you down and then built you back up in their image. And they would discount any experience you had, because it didn't matter, because "this is Le Bernardin, so it doesn't matter what you know."
Did anything about it stick with you when you opened your first restaurant? I was stressed out going to work and I didn't like that feeling. So I try to have a work environment where everyone wants to be here. It's still work, but I don't want anyone to feel like it's a drag.
Other than staff, what were your goals when opening dell'anima? I've learned a ton and changed a lot since we opened that restaurant, but the whole point of dell'anima was that I wanted to serve my food to "a few people." I wanted to have stuff on the menu that wasn't as crowd-pleasing as it should have been.
So you were intentionally putting out a menu for a focused kind of clientele? I wanted to have tripe and bone marrow on the menu and all this kind of stuff. But I was cooking for myself—I wasn't cooking for guests in the beginning. And I didn't figure that out until we opened L'Artusi. When we opened L'Artusi, our General Manager (who's now our Director of Operations) Kevin Gary opened my eyes to hospitality in a way that I hadn't really thought of before. There he taught me that the guest is always right, basically, and whatever the guest needs we need to provide if we can.
Did that understanding continue to progress? I was very self-centered and unaware of what everyone else was doing around me, and as I've kind of grown up I've realized every single person around me brings just as much to the table, and that we're all here for the same reason. So the partnerships have gotten stronger and more like family in a way.
Do you feel like your success is largely because of these partnerships? Everyone in our group brings something that everyone else is lacking. I'm not a good businessman, but one of my partners is. I don't know anything about wine or beverages, but obviously Joe [Campanale] is a genius with that kind of thing. Another guy we work with is born and raised in Manhattan and has worked in some of the best restaurants since he was 19, so he brings a tremendous amount to the table. Kevin has this way of helping us create our company culture of how we treat our employees and guests. And of course my wife Katherine keeps me in line and from being a dumbass, and does all of our desserts. Together I feel like we can pretty much do anything.
What do you enjoy about being the chef versus working as a cook in someone else's kitchen? I'm kind of a terrible employee, because I want everything to be my way. My goal my entire life has been to be in charge and have my own restaurant. So it's kind of like a dream come true. I love what I do and the opportunities that I've had.
Your family is literally incorporated into your business because of Katherine. And you have a son, as well? Luke. He'll be two in a couple of weeks, he's a stinker.
I've heard he's a little scrappy guy. And that I should ask you how he got his name. Katherine was getting her hair cut and the girl who was cutting her hair kept talking about her roommate, Luke—Luke this and Luke that—and we had been struggling for a guy name. Her favorite movie is Cool Hand Luke and I love Star Wars. So I was like, "Well, we can say we named him after Paul Newman and Luke Skywalker instead of someone's roommate." But, yeah, it suits him well, I think.
You've got a lot of chefs working for you now, and I hear you really like to both still cook daily and teach. What do you most want to pass down to chefs learning from you? In kind of a selfish way I want to teach them what my ideal or vision or flavor is. And in regards to my chefs de cuisine and sous chefs and all, what I want to get them to do is carry on the culture of the restaurant—how they communicate correctly...
What does that mean to you, to "communicate correctly"? To not be condescending when you're trying to explain something. To make people feel safe and happy at work.
The bigger this gets, the less of my personality is in each kitchen. So it's about making sure that that gets translated through my chefs, to make sure we're not having a kitchen that's the kind of kitchen I never wanted to have. That's kind of the hardest part, because it's really easy to teach someone to cook or season properly. It's really hard to teaching people to be nice and patient and conscientious about how to treat people.
All products linked here have been independently selected by our editors. We may earn a commission on purchases, as described in our affiliate policy.


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Selections from the Isaac Foot Collection
Selections from The Isaac Foot Collection are on exhibit in the Department of Special Collections, on the third floor of the Davidson Library, through November 14. Acquired in 1962 from a private estate in Great Britain, the collection of 52,000 volumes and numerous manuscripts was one of the largest purchases in UC's history.
Highlights of the exhibit include stunning handwritten and illustrated 13th and 14th century bibles. Also included are other 16th century bibles and bible leaves; 17th century works by John Milton; 18th century editions of works by Jonathan Swift, Alexander Pope, William Hogarth, and James Cook (his Voyage Towards the South Pole...); and manuscripts ranging from the 17th to 20th centuries, such as a 1947 letter from H. L. Mencken to Idwal Jones, hoping that he is "…in roaring health and full of subversive ideas."
Additional information about Isaac Foot, his collection, and how it came to the University of California also are featured in the exhibit and in the Online Archive of California.
Please stop by and see some of these treasures from Special Collections.

subset: commoncrawl


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rainsville, NM
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Due to my strong family history with breast cancer, I am already having to have mammograms and ultrasounds done. And I gotta tell ya, I am sooooo thankful my doc is starting this now. It really helps to put me at ease.
Today's experience was actually quite nice.
I had a great parking space,
was given a pretty bracelet,
and I was able to snuggle up in a warmed blanket while I waited for the radiologist. It was very relaxing and oh, so quiet. (Did I mention I was there without kids?)


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RV Forum flags - click HERE
My motorhome is old a 1992. It has an oddball connector that very few propane people have seen, so it causes me problems getting it filled.You turn off the supply valve, then open the valve at the top then when you hook up the connection to the propane and push up a red button under the valve. This allows it to vent and I guess expels air so it can take propane. Wonder if I could have the valve changed or do I just live with it.
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Well, we may want to give it a few more months, but it certainly seems as if the luxury real estate industry is making a comeback, if the sale of Candy Spelling's $150 million manse and this ridiculously awesome Miami estate is any indication. Set on Indian Creek Island, this jaw-dropping mansion was originally listed for a whopping $60 million, but has since been reduced to a still-staggering $52 million.
According to Curbed, the mansion, which totally gives a whole new meaning to the word palatial, is now under contract. Although the final sale price is undisclosed, the home is slated to be the most expensive house ever sold in Miami history, should the estate fetch close to the recent $52 million list price. Wow.
Some of the illustrious features of this swanky property include a 100-foot resort pool, elevator, chromotherapy spa and massage room, a certified green house, a garage that fits seven limos (after all, why have one when you can have seven, right?), and a panic room, in the event you need a safe place to hole up to bask in the amazingness of this estate. And, did we mention that the home spans 30,000 square feet?
U.S. & World
This may just be one instance where words can't totally encapsulate the lavish nature of this property. Lucky for you we've got a video tour of the crib. Take a look!


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The news appeared yesterday, looking surprisingly like the company's press release: A new pressure sensor (CardioMEMS, Atlanta, GA) using the same technology as found in RFID sensors, reported favorable preliminary data after six months that suggested measuring pulmonary artery pressures can help prevent heart failure hospitalizations.
But I wonder, given the information on the lack of utility of more invasive Swan Ganz catheters to change patient outcomes and given the earlier failure of another implanted pressure sensor to reach a real-life significant clinical endpoint, if such a technology will develop. After all, pressure changes in the heart are very dynamic - varying with fluid loads, exercise loads, periods of hypoglycemia or other metabolic derangements, etc. And now this week we learn that kicking heart failure patients out of the hospital too soon once they are admitted might be just as harmful as keeping them a bit longer.
All this before any mention of what a foreign body implanted in the pulmonary artery in patients might bring if people's anticoagulation status were subtherapeutic, even if for a little while (think minor surgical procedure).
So while these preliminary results of the CardioMEMS device were encouraging, they should be taken with a grain of salt (or perhaps, for heart failure patients, a grain of caution).
Reference: CARDIOMEMS Press release.


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I've been writing about California, its schools, its politics and its government for a decade. I've met thousands and thousands of key players in these fields. Yet when I went to my local polling station in Los Angeles to vote today, I had the same reaction that most Californians have: Who the heck are these people?
Sure, I know the people in the high-profile races for U.S. Senate and governor, and most of the folks running for other statewide posts like superintendent of public instruction. But there were pages and pages of judicial candidates that I couldn't pick out of a police line-up. A state assembly candidate I had never heard of. And candidates for Republican central committee (I'm a Decline to State and very much non-partisan, but exercised my right to request a Republican ballot today because the races were more interesting).
There are two ways to react to these long, overloaded ballots. First is what I did today: I refused to cast a vote in any race in which I was unsure. The second reaction is what the state needs to do: Change the system so that ballots aren't full of offices and candidates people have never heard of.
U.S. & World
How to do that?
First, eliminate elections for judges and for lower-ranking statewide officers who could just as easily be appointed. I'm thinking of the attorney general, the superintendent of public instruction, the controller, the treasurer and the insurance commissioner.
Second, change the way we elect state lawmakers. Right now, voters choose a candidate that, in all likelyhood, they have little hope of knowing. Most voters don't even know the shape of their local district, and most cast a ballot based on party affiliations. Instead, seats could be divided up in each region of the state in proportion to voter preferences.
Don't follow? Let's say that instead of having dozens of Southern California legislative districts, there were three big regional districts: one for LA County, another for Orange County, another for Riverside and San Bernardino. Voters would be able to choose from party lists of candidates. If the LA regional district had 30 seats, and Democrats won 60 percent of the votes and Republicans 40 percent, the Democrats would get 18 seats and the Republicans 12 seats. (In practice, many proportional systems allocate votes in more complicated ways--but I've over-simplified here for clarity).
Voters of both major parties would have at least some representation. And the mix of representatives would more closely approximate the preferences of voters. And voters wouldn't have to have that uneasy feeling as they cast a ballot for candidates they know nothing about.


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Since Erin Condren is so awesome, they upped the giveaway to $50. FIFTY DOLLARS! Enough to buy a planner for a Christmas gift or a bunch of holiday cards!!!
The first entry is mandatory - "Like" ErinCondren.com's Facebook page and leave me a comment to let me know you did.
For an additional entry blog about this giveaway and leave a post.
For a third entry, post this on your Facebook "Enter to win $50 to @ErinCondren.com on www.hautemommyblog.com" & leave a comment letting me know you did.
Don't forget to sign up for the newsletter at www.erincondren.com to get special deals and notices in your inbox. They don't flood your inbox with emails, but when you get one, it's good stuff!
Good luck!!!
Finally! I feel like I've been waiting forever for all of these announcements!
First, I have a new blog design and my own little spot on the web!
My blog has really evolved from updating our family and friends on our whereabouts to sharing information & adventures...and photos of Georgia, of course! I wanted a new design and a fun new website name to better reflect what my blog is about nowadays.
Now you can find both of our babbles at www.hautemommyblog.com. If you subscribe via RSS, please click over to see the new layout. I'm so excited to finally have my own little space on the internet, and I really hope you love it, too!
My blog was Fun with the Super Munns when it was just me, David and Oliver (one of our two dogs, which you never hear about anymore!); I changed it to Here Comes the Sun when I was going through the saddest time ever in my life. Coincidentally, right after that change I found out I was pregnant with Georgia...and now my little sunshine is here!
I never imagined that I would be emailing with people halfway around the world, chatting with friends-of-friends who randomly found me, have a small group of twitter & email friends with babies the same age as Georgia to share advice & stories with, or that strangers would want to read my daily nonsense!
I have more small changes that are coming, so I'll be sure to fill you in when I make them.
Whew, now all of my fun is out there, let's talk about something fun for you, my readers!
Unless you've been living under a blog rock or this is the first time you've ever visited my blog, you've at least heard of Erin Condren. Adding to her awesomeness, she has offered a giveaway to celebrate my new space on the www!
One of you lucky readers will win a $25 gift card to spend however you'd like.
Perhaps on one of her brand new iPhone cases?
I just ordered an address book to start organizing for the holidays and I am running to the front window every time I hear something that might sound like a delivery truck driving by.
All you have to do to enter the giveaway is Like (thumbs up) her Facebook page, comment that HauteMommyBlog.com sent you....easy as pie! She has 8,600 fans, I'd love to help her get to 9,000!You could also thumbs up my new page while you're over there, but it's not required to win the giveaway. Please leave your email address in a comment here to let me know you like ErinCondren.com on Facebook so we can contact a winner when the contest closes next Friday.
One more exciting thing that I'd love to share. My friend Veronika has a fashion and beauty blog, and she recently got to interview Audrina Patridge because of it! How crazy is that? I was Veronika's first blog follower, now she is interviewing celebrities! It seriously blows my mind and I'm so happy that her blog allowed her the opportunity. Check out the interview here. (Also, I think Veronika looks better than Audrina in the photos...I would love to look that great standing next to a celeb.)
Enjoy the rest of your weekend!
(If your blog has a Facebook page, fill me in...I want to give it some thumbs up love!)


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Ubisoft has confirmed that the Assassin's Creed movie has a release date. Ubisoft has confirmed to us that the film will hit theaters on May 22, 2015.
The film will star Michael Fassbender, who is also producing, and is being distributed by New Regency and Fox. Earlier this year Michael Lesslie was revealed to be working on a screenplay as well. No director has been announced, but that may change soon now that the movie has a potential release date. Of course, that release date can still change. May 22, 2015 would be the start of Memorial Day weekend, and Disney is said to be eyeing that date for the release of Star Wars: Episode VII. If that becomes official, expect Assassin's Creed – and any other films with a lick of sense – to abandon that date.
Regardless of the actual day it is released, it looks like 2015 is going to be a massive year for blockbuster films. In addition to Assassin's Creed and Star Wars, Pirates of the Caribbean 5, The Avengers 2, The Hobbit: There and Back Again, and Hunger Games: Mockingjay Part 2 are all planned for 2015, and both the Justice League and Fantastic Four franchises are either confirmed for 2015, or rumored to be coming out that year.
[Updated to fix a typo]
Editors' Recommendations
- Assassin's Creed Valhalla: Everything we know
- The most anticipated games of 2020
- Some Ubisoft developers wanted a female-only option in Assassin's Creed Valhalla
- Skull and Bones to gain new life as a live service game
- Every confirmed and rumored PS5 game so far


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Due to specific regulations in , AOE is not currently enrolling students in your state. We apologize, but at this time you can not move forward with course enrollment. Let us know if you have any questions. Please contact us with any questions.
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I'm aware that both Google and Facebook offer two-factor authentication, by sending an SMS to your phone under certain circumstances.
What other popular or high-profile web applications support two-factor authentication? I'd like to know which services I should turn on two-factor authentication for, since (at least for the two listed), it isn't the default.


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Many investors seek shelter from the stock market storm in more mature dividend-paying companies since the income from these firms provides at least some positive return in an otherwise bleak environment.
But an economic downturn can test even the most mature and stable firms, with some forced to cut dividend payments. Others manage to maintain current levels for a time but could be forced to make cuts in the future.
What signs can you look for that indicate the safety of a company's dividend payment stream?
Investors in dividend-paying stocks typically seek stocks that are paying steadily increasing levels of dividend income, and have the cash flow and financial resources to continue to pay the dividends. There are a number of financial ratios and indicators you can use to evaluate this; the most common are listed below.
While these safety signs and warning flags are applied at the individual firm level, you should keep in mind that even the most well-managed company can be overwhelmed by changing winds within an industry. When you are evaluating a stock for its dividend payments, make sure you don't lose sight of the bigger picture in terms of the environment in which the firm is operating.
What Is the Level and Quality of Payments?
Clearly, dividend-seeking investors need to evaluate the dividend payments themselves, how steady they have been and how much you are paying for them.
Dividend Yield
A dividend stream may be important to you, but a critical question is: How much is the market demanding for that stream of payments?
This question can be answered by looking at the dividend yield, which is calculated by dividing the dividend per share by a firm's stock price.
While most companies don't change their dividend payouts frequently, stock prices do change all day long, so yields must be calculated each time you analyze a stock. Since yield is dividend divided by price, high yields can be the result of either rising dividend payouts or, more commonly, falling prices.
Prices may drop if investors are expecting the dividend to be cut, or if they're expecting some other bad news to follow shortly. If the "market" is correct in this forecast, a high dividend yield indicates high risk.
On the other hand, to the extent this perception is incorrect, a high yield may be an indication of value if the company has the resources to turn its fortunes around.
What's a "high" yield? Dividend yields that are above the average for the stock historically or that are higher than the industry average are a warning sign of risk—but you must look at other indicators to determine if the market has correctly evaluated that risk.
Annual Dividend Payments
The history of annual dividend payments provides a good indication of management's commitment to paying dividends. Dividends paid with no interruptions over a significant time period indicates that a company can keep the payments going even during tough years; dividend increases during prosperous years (with no subsequent decreases) are an even more positive sign.
How Well Are Dividends Covered?
Dividends that are higher than reported annual earnings can be a warning sign that the firm is facing some difficulties since firms pay dividends primarily from earnings. However, strong cash flow can help cover a dividend payment when earnings temporarily drop.
Several dividend indicators can help evaluate these issues.
Dividend Payout Ratio
The dividend payout ratio is calculated by dividing a firm's dividend per share by its earnings per share.
This ratio tells you how much profit the company is paying out to shareholders in dividends.
Any ratio above 50% is considered a warning sign. However, like all ratios, the payout ratio is industry-specific. Very stable industries, such as utilities, have high payout ratios, which is considered normal. Generally, "growth" firms have lower dividend payout ratios because they retain most of their earnings in order to fund future expansion. In contrast, "mature" or more established firms tend to have higher payout ratios as their investment possibilities diminish.
A 100% payout ratio shows that a firm is paying out all of its earnings to its shareholders. Figures above 100% indicate that the payout is greater than earnings, a situation that cannot continue forever; negative ratios show that a company is paying out a dividend while losing money.
Dividend Coverage Ratio
This ratio shows how secure the dividend is based on the cash flow being generated by the company. This ratio can help you assess how easily the company can keep making its dividend payments. To calculate this ratio, you divide cash flow per share by dividend per share. The higher the dividend coverage from cash flow, the better.
A standard minimum is a dividend coverage ratio of 1.2, indicating 120% of the dividends are covered by annual cash flow.
Can Debt Be Repaid?
Heavier debt loads saddle a company with required cash outflows to bondholders, who must be paid before dividends can be paid to shareholders. However, leverage allows a company to grow faster and so may enhance the return on investor capital, even while increasing risk.
Since too much leverage strains the company's ability to pay the debt back, creditors and dividend investors prefer companies with moderate debt levels. More assets relative to debt cushions a company during negative cash flow periods and should allow the company to maintain its dividend payment even during tough times.
Debt-to-Equity Ratios
The ratio of long-term debt to equity (or long-term debt to capital, which is debt plus equity) is a common financial leverage ratio that indicates the proportion of the firm's capital that is derived from debt as compared to common equity. A high percentage of debt relative to equity indicates high risk. Here, look for ratios that are not above the industry average.
However, just because this ratio is low does not necessarily mean risk is low, because it does not take into consideration current liabilities.
The short-term debt coverage ratio allows you to quickly see if the company's short-term debt obligations can be easily paid by using the cash that is being generated from company operations. This ratio is calculated by dividing income from operations (from the income statement) by current liabilities, or short-term debt (from the balance sheet).
Income from operations is an important measure of the ability of a firm to generate positive cash flow from normal operations without liquidating other assets to fund expenses and dividend payments. In addition to operating income, interest income on cash balances is another source of income. Other income items can include the sale of assets (i.e., products, patents, or even an entire operating division or subsidiary)—however, these are one-time income events and can distort an investor's perception of the company's ability to generate income, which is why operating income is a much more reliable indication of cash flow, and is therefore used in this ratio.
One rule of thumb for dividend safety is that the short-term debt coverage ratio should equal at least 2.0. This means that the company is generating more than twice the cash flow it needs from operations to pay off all of its short-term obligations. Taken by itself, this ratio would indicate that the dividend is pretty secure and would also indicate that there is sufficient operating income to offset a slightly lower liquidity position.
Liquidity: The Quick Ratio
The quick ratio is an important liquidity ratio that is computed by removing inventory from current assets (assets that are liquid), and then dividing the remainder by current liabilities (short-term debts the firm must pay within a year).
Since inventories are typically the least liquid of a company's current assets and are likely to produce a loss if liquidated, it is prudent to look at the firm's ability to cover short-term liabilities without relying on inventories.
The rule of thumb is that a company with a quick ratio of 1.0 or better indicates that it could cover all current liabilities with the liquid assets it has on hand, thereby reducing any need to cut its dividend. If the ratio were less than 1.0, you would want to assure yourself that the company is generating enough cash flow from operations to cover both its normal expenses and any short-term debt obligations that come due.
Interest Coverage: Times Interest Earned
Times interest earned, or the interest coverage ratio, is the traditional measure of a company's ability to meet its interest payments; it is calculated by dividing earnings before interest and taxes (or earnings before interest, taxes, depreciation and amortization) by the total interest payable.
Times interest earned indicates how well a company is able to generate earnings to pay interest on its debt, which must be paid before dividends can be paid out. The larger and more stable the ratio, the lower the risk of the company defaulting.
In addition, the higher this ratio, the more flexibility a company has in being able to meet its financial obligations and have money left over for dividends, expansion, etc. As this ratio falls, the risk of a company defaulting on its debt obligations increases.
A ratio of less than one indicates that the company's current earnings are not high enough to meet their current debt obligations, meaning that it will need to liquidate assets to make up for the shortfall, find additional funding—or even reduce or eliminate the dividend.
What Are the Long-Term Trends?
Trends can help you understand if a company's position is improving or deteriorating.
You can spot trends by examining all of the above ratios and indicators—as well as earnings, cash flow and revenues—on a year-by-year basis over the last five or 10 years, looking for positive values or values that are at least within acceptable ranges. Deteriorating values are a warning sign.
Two growth ratios can also help you identify positive trends.
Dividend Growth Rate
The dividend growth rate (the compound annual increase in dividends per share) over the last five years provides both an indication of past company strength, as well as the dividend payment policy of the firm. Growth rates that are below the average for the industry are warning signs, while those above the average are pluses.
Earnings Growth Rate
The earnings growth rate (the compound annual change in earnings per share) over the last five years provides an indication of the company's ability to generate earnings. Look for firms with earnings growth rates in the upper half of their respective industries.
Table 1. Dividend Safety Signs
Level and Quality of Payments
Dividend Yield
(dividends per share ÷ price per share)
A measure of the market value of the dividend income stream. Dividend yields that are above average for the company historically, or that are above average for the industry, may indicate higher risk, but you need to determine if the market has correctly evaluated this risk.
Annual Dividend Payments
Dividends paid with no interruptions over a significant time period are a positive sign; dividend increases during prosperous years (with no subsequent decreases) are an even more positive sign.
Dividends vs. Reported Annual Earnings
Dividends higher than reported annual earnings are a warning sign, since this level of payment cannot be sustained over long time periods.
Dividend Coverage
Dividend Payout Ratio
(dividends per share ÷ earnings per share)
A measure of how much profit the company is paying out to shareholders in dividends. The lower the ratio, the more secure the dividend. Any ratio above 50% is generally considered a warning flag.
Dividend Coverage Ratio
(cash flow per share ÷ dividends per share)
A measure of how secure the dividend is based on the company's cash flow. The higher the better; minimum coverage should be 1.2, indicating 120% coverage.
Debt Coverage
Long-Term Debt-to-Equity Ratio
(long-term debt ÷ stockholder's equity)
A measure of financial leverage. A higher ratio indicates higher financial leverage and therefore more risk; look for levels that are within the industry norm.
Short-Term Debt Coverage Ratio
(operating income ÷ short-term debt)
A measure of whether a company's short-term debt obligations can be easily paid using cash generated from company operations. Should equal at least 2.0.
Quick Ratio
[(current assets – inventory) ÷ current liabilities]
A measure of liquidity risk. The higher the quick ratio, the better, but it should have a minimum of 1.0.
Times Interest Earned
(earnings before interest & taxes [or earnings before interest, taxes, depreciation & amortization] ÷ the total interest payable)
A measure of a company's ability to meet its interest payments. Should equal at least 1.0. The larger and more stable, the better.
Growth Trends
Year-to-Year Changes in Financial Ratios, Earnings, Cash Flow and Revenues
Look for positive values or values that are at least within acceptable ranges over time. Deteriorating values are a warning sign.
Dividend Growth Rate
(compound annual increase in dividend per share)
An indication of past company strength and dividend payment policy. Look for a five-year average greater than average for the industry.
Earnings Growth Rate
(compound annual change in earnings per share)
An indication of past company strength and the ability to generate earnings. Look for firms with earnings growth rates in the upper half of their respective industries.
→ Maria Crawford Scott is the former editor of the AAII Journal.


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Brian Culbertson
Top Songs
- Come to Me
- You're My Music (feat. Noel Gourdin)
- Colors of Love
- You're Magic
- No Limits (feat. Stokley Williams)
- Fullerton Ave. (feat. Chuck Loeb)
- I Want You
Top Videos
Singles & EPs
Live Albums
Appears On
About Brian Culbertson
Even though Brian Culbertson might be categorized as jazz lite, his music has enough "oomph" to keep you interested. The talented composer, arranger, keyboardist, and trombonist displayed a talent beyond his years at an early age, and credits his dad with helping him develop an ear for the type of music he makes.
His father, Jim Culbertson, a respected high-school jazz band director and trumpeter, cultivated a love of sanguine sounds in the young Brian, who eagerly listened to anything his dad put on the stereo. Their Decatur, Illinois, home would be alive with the recorded sounds of Maynard Ferguson, Buddy Rich, the Brecker Brothers, and David Sanborn. Growing up, Culbertson also listened to '70s R&B/pop/funk bands like Blood, Sweat & Tears, Tower of Power, and Earth, Wind & Fire. He began his musical training at the age of eight with piano lessons; at nine he moved to drums, at ten trombone, and at 12 bass. Bored with classical recital pieces, he began composing in junior high. By his freshman year in high school, Culbertson was experimenting with the then-new Yamaha DX-7 synthesizer and an old four-track recorder in the basement of his parents' home. His dedication earned him six individual and five group Down Beat student awards.
During his high-school years, Culbertson started getting into MIDI sequencing and synthesizers. He couldn't find musicians who were able to play his songs on the level he wanted, as most of his peers were into heavy metal, so Culbertson, who cites pop producer/songwriter David Foster (Earth, Wind & Fire's "After the Love Is Gone") as one of his strongest influences, learned how to play all the parts himself. After graduation, he headed to Chicago to begin studies in the music program at DePaul University. On campus, he began to run into high-level musicians and started playing in a band.
A family friend helped Culbertson get a deal with Mesa/Blue Moon in 1994. In the bedroom of the apartment he shared with three college buddies, he recorded his debut album, Long Night Out, playing most of the instruments himself but also enlisting a small backing group. The LP spent ten consecutive weeks in the Top Five of the adult contemporary charts. On his follow-up album, Modern Life, Culbertson eschewed the one-man band approach in favor of a live band made up of some of the best musicians in Chicago, plus stellar saxophonist Gerald Albright.
He put out several other albums in the '90s, including After Hours (1995), Secrets (1997), and Somethin' Bout Love (1999). Culbertson's productions include albums by Bob Mamet and Steve Cole. Having gotten into composing advertising jingles, Culbertson set his sights on soundtracks. In 2001, the pianist (who could play the trombone, trumpet, and percussion as well) released Nice & Slow, followed by Come on Up in 2003. Two years later, he issued It's on Tonight, and in 2006 Soulful Christmas, a collection of holiday favorites as well as an original.
In 2008, Culbertson released Bringing Back the Funk, an acclaimed album that is credited with bringing new life to the urban jazz genre. It featured a sizable list of collaborators including Bootsy Collins, Larry Graham, Ray Parker, Jr., and David T. Walker. He followed it with a live album in 2009 and XII, a return to the studio, in 2010. In June 2012, Culbertson released Dreams, his 13th album, featuring a host of all-star contemporary jazz and R&B session players and vocalists. Later that year, he set about realizing a dream project.
Now an independent artist, Culbertson had long desired to revisit the music from his 1994 debut offering, Long Night Out, initially cut in his apartment on a very limited budget. In 2013, he re-recorded the same tracks with a large all-star lineup that included Nathan East, Russ Freeman, Steve Lukather, and Candy Dulfer, to name a few, plus a 33-piece orchestra. Entitled Another Long Night Out, it was issued on his own BCM label in February 2014. Two years later, he delivered the concert album Live: 20th Anniversary Tour, showcasing his band in concert at Yoshi's in San Francisco. The full-length Colors of Love appeared in 2018, and reached the top of the Billboard Jazz Albums chart. A trio album, Winter Stories, arrived the following year. In 2020, Culberston issued his 20th studio album, the aptly titled XX, featuring guest vocals from Bootsy Collins, Avery Sunshine, and Noel Gourdin. ~ Ed Hogan
HOMETOWNDecatur, IL
BORNJanuary 12, 1973


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These are the top songwriting teams/collaborations. When you put two or more heads together, you may come up with a hit or two.1. Paul McCartney & John Lennon
With pop anthems such like "Yesterday" and Let It Be". Lennon & McCartney is argubly the best songwriting collaboraion in the world. With a resume of the best selling band in the world and the most successful songwriter of all-time (McCartney). This dynamic duo tops the list.
2. Rodgers and Hammerstein
Richard Rodgers (1902 - 1979) and Oscar Hammerstein II (1895 - 1960) were a well-known American songwriting duo, usually referred to as Rodgers and Hammerstein. With musicals such as "The Sound of Music" and "South Pacific", their songs have made into the mainstream Pop and became household names.
3. Burt Bacharach and Hal David
With hits such as: "Raindrops Keep Fallin' on My Head", "This Guy's in Love with You", "I'll Never Fall in Love Again", "Do You Know the Way to San Jose", "Walk On By", "What the World Needs Now Is Love", "I Say a Little Prayer", "(There's) Always Something There to Remind Me", "One Less Bell to Answer", and "Anyone Who Had a Heart".
4. Elton John & Bernie Taupin
Elton has made magic with lyricist Taupin and wrote hits such as "Your Song" and Candle In the Wind". In fact the only time he didn't use Bernie was his "Victim of Love" album which resulted with no hits.
5. Jerry Leiber & Mike Stoller
With hits such as "Hound Dog", "Stand By Me" and Jailhouse Rock". They have written the soundtrack of the 50's and beyond.
6. Holland, Dozier, Holland
Holland-Dozier-Holland is a songwriting and production team made up of Lamont Dozier and brothers Brian Holland and Edward Holland, Jr. They are one of the greatest songwriting teams in pop music. The trio wrote and arranged many of the songs making up the Motown sound that dominated American popular music in the 1960s with hits such as "Heat Wave", "I Can't Help Myself (Sugar Pie Honey Bunch)", "You Can't Hurry Love" and more.
7. Carole King & Gerry Goffin
With iconic hits such as "Will You Love Me Tomorrow", "Up on the Roof" and "(You Make Me Feel Like) A Natural Woman".
8. Barry Mann & Cynthia Weil
With pop anthems such as You've Lost That Lovin' Feelin'", "Never Gonna Let You Go", "Make Your Own Kind of Music". This husband and wife team went on to create songs for numerous contemporary artists, winning a number of Grammy Awards and Academy Award nominations for their compositions for film.
9. Mike Stock, Matt Aitken and Pete Waterman
Also known collectively as "Stock Aitken Waterman", this UK team has written #1 80's iconic hits such as: "Never Gonna Give You Up" by Rick Astley, "Respectable" by Mel and Kim, and more.
10. Jimmy Jam & Terry Lewis
They have written hits for Janet Jackson, Michael Jackson, Mariah Carey, Mary J Blige, etc.
This article is brought to you by USA Songwriting Competition. For more information on USA Songwriting Competition, go to: http://www.songwriting.net


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Three Hope College students were named finalists in the Opera Grand Rapids Collegiate Competition held on Friday, Feb. 18, at the Betty Van Andel Opera Center in Grand Rapids.
Senior Sarah Ashcroft of Holland, junior Caitlin McDougall of Flint and junior Brent Smith of Owosso are among seven finalists chosen from a total of 10 select contestants from Hope, Aquinas College, Calvin College, Grand Rapids Community College and Grand Valley State University. They and the other finalists will compete in the final round scheduled for Sunday, April 17, at 7 p.m. at the Betty Van Andel Opera Center.
The Opera Grand Rapids Collegiate Vocal Competition provides an opportunity for outstanding student vocalists being trained full-time at Greater Grand Rapids-area colleges and universities to compete in a professional competition and to be recognized for excellence by a professional opera company. The participating students are asked to perform two arias in differing styles, languages and composers from opera and/or operetta.
° Ashcroft is majoring in vocal music performance and vocal music education. She is a 2007 graduate of West Ottawa High School, and the daughter of Karin Ashcroft of Holland.
° McDougall is majoring in vocal music education. She is a 2008 graduate of Powers Catholic High School, and the daughter of Patrick and Jesusa McDougall of Flint.
° Smith is majoring in piano music performance. He is a 2008 graduate of Owosso High School, and the son of Kent and Monica Smith of Owosso.
Ashcroft, who was a featured vocalist during the college's Concerto and Aria concert earlier this month, was also a finalist in the competition last year. All three students have received a variety of other honors as performers, including recognition in one or more years during the Michigan State Chapter Auditions of the National Association of Teachers of Singing (NATS); Ashcroft and McDougall also received recognition during the 2010 NATS Great Lakes Regional Competition and will be competing in this year's regional event on Saturday, March 5.
All three will be featured soloists during this year's Hope College Musical Showcase concert on Monday, March 7, Ashcroft and McDougall as vocalists and Smith as pianist, and have previously been on the annual concert's program as soloists as well. Each was also a member of the cast of the college's fall 2010 production of the Kurt Weill opera "Street Scene," a major collaborative effort of the departments of music and theatre.
All three students study with Linda LeFever Dykstra, who is an associate professor of music and chair of the voice division at Hope.


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Photo IDs can help residents who may have difficulty getting a driver's license buy prescription medicine, pick up their children from school and enjoy city amenities exclusive to residents.
(TNS) — Newburgh, N.Y., is the fifth Hudson Valley city to create a municipal identification card program.
Creation of the program passed with a unanimous vote by the City Council after a public hearing at the Activity Center on Monday night.
Cheers erupted from supporters of the program that packed the Activity Center before the council could finish voting.
Most program advocates emphasize the benefits city IDs can offer undocumented immigrants, who often live in fear of being unable to produce a photo ID, such as a driver's license, when confronted.
But the program could also help other residents who may have difficulty getting a driver's license, such as the homeless, elderly and children. Photo IDs can help them buy prescription medicine, pick up their children from school, and enjoy city amenities exclusive to residents.
Newburgh's program was modeled after programs in Middletown and Beacon, which were influenced by New York City's municipal ID program, the city's attorney has said. The cities of Kingston and Poughkeepsie have also recently enacted municipal ID programs.
Newburgh officials are still ironing out details for the implementation and rollout of the program.
Interim City Manager Joe Donat said they city's information technology department is addressing technological needs for the program, including how to keep applicant information secure.
He said the city clerk's office is working on details for the program's rollout and how to address capacity concerns.
The program's expected launch date is Sept. 4, according to City Council documents.
The city will have a four-point system for establishing proof of identity for anyone applying for an ID; there is a one-point system for applicants to prove residency in the City of Newburgh.
For more information about the city's ID program, go to https://bit.ly/2UM5tyR
©2019 The Times Herald-Record, Middletown, N.Y. Distributed by Tribune Content Agency, LLC.
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If you agree with me that's nice, but what I really want to achieve is to make you question the status quo, look between the lines and do your own research. Do not be a passive observer in this game we call life.
You can follow me on Gab.ai
To read my previous articles click on my name in blue.


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Summer travel biz shows signs of recovery
According to statistics released by Japan Travel Bureau on July 3, overseas travel this summer is projected to be up by 5.8 percent from last year, though continued sour relations with China and South Korea have seen fewer Japanese travelers this year to those two destinations. Another important consideration that doesn't seem to have had a bad effect is the higher value of the dollar and other currencies against the yen. In terms of numbers, 2.6 million have reservations to travel overseas between July 15 and Aug. 31. The main bright spot is Europe, which will see a 15 percent boost in Japanese visitors as opposed to 2012. Also, Southeast Asia seems to be maintaining its popularity as a vacation spot. The average amount of money being spent per person on foreign travel this summer is ¥243,000, which is ¥11,800 more than was spent in 2012.
In addition, 76.2 million people have domestic travel plans this summer that involve more than one night away from home, which is the highest number since 2000. Even better, the average amount of money spent per person for these trips is ¥35,010, or ¥1,280 more than last summer. Several circumstances are credited with pushing up these numbers: the 30th anniversary of Tokyo Disney Resort; renovations to Ise Shrine in Mie Prefecture and Izumo Shrine in Shimane Prefecture; and Mount Fuji's recent listing as a UNESCO World Cultural Heritage site and the intense media coverage that preceded it.


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We're not exactly clear on Grand Theft Auto IV's box art. There could be five fingers, there could be six! It's somewhat hard to say. But Grand Theft Auto: San Andreas's box art is slightly less ambiguous. An Uzi-wielding gang member clearly has either six fingers or a truly awesome thumb. Look at the image and judge for yourself!
Full box art after the jump.
GTA San Andreas Has Mutants [Kotaku Australia]


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Six-Day War(redirected from Accusations on the Six-Day War)
Also found in: Dictionary, Thesaurus.
Six-Day War:see Arab-Israeli WarsArab-Israeli Wars,
conflicts in 1948–49, 1956, 1967, 1973–74, and 1982 between Israel and the Arab states. Tensions between Israel and the Arabs have been complicated and heightened by the political, strategic, and economic interests in the area of the great powers.
..... Click the link for more information. .
Six-Day War
Arab-Israeli war (1967). [Near East. Hist.: EB, I: 470]
See: Brevity


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Back to the Minors
When the summer commenced and the high school sports season ended, my editor contacted me and asked if I wanted to cover some Hudson Valley Renegades games. Having interned for the Renegades over the summer of 2010, and needing to keep busy with work while school was out, I leaped at the opportunity, and spent many summer nights in the Dutchess Stadium press box.
Little did I know how far Hudson Valley was going to go, in terms of its season.
This past Thursday night, the Renegades captured the New York-Penn League title, beating the Tri-City Valley Cats 8-3. It marked the first time since 1999 Hudson Valley won a title and it was only the Renegades' second championship in the team's history.
Manager Jared Sandberg was nearly speechless after his team won it all, and was happy his squad was victorious for such a loyal fan base. His team pied him in the face while I was interviewing him, but he wiped it off and said,
"Hudson Valley has always meant a lot to me and my family, and to win a championship for these fans is amazing. The team had fun, but it was a focused fun; they came to play every single day and they came to work every single day. You really have to tip the cap to these players."
What struck me about the Renegades from the first game I covered up until their champagne celebration after Thursday's win was their resiliency. If they trailed late in the game, you could be almost certain they would find a way to come back and win it.
In fact, that resiliency was never more evident than in the playoffs. The New York-Penn League postseason is almost set up the way the MLB playoff system used to work. Four teams make it; three division winners and a Wild Card team. Elimination is best two-out-of-three – and twice the Renegades were down 1-0 after Game One, facing elimination in Game Two.
In the first round, Hudson Valley lost the first game to the Wild Card team, the Brooklyn Cyclones. With their backs to the ropes, the Renegades rebounded for two straight wins to advance to the League Championship Series.
Once it got there, Hudson Valley lost the first game to the Valley Cats. On the ropes again, and one win away from becoming a team who almost won, the Renegades came from behind and survived to win Game Two last Wednesday before reaching baseball nirvana on Thursday.
A big first inning highlighted the deciding game, as Hudson Valley wasted no time scoring runs. First baseman Ryan Dunn rocketed a two-run single to center field to give the Renegades a quick 2-0 lead. Shortstop Leonardo Reginatto and catcher Jake DePew then followed with back-to-back RBI singles to give Hudson Valley a commanding 4-0 edge in the early going.
The Valley Cats chopped the lead in half by the sixth, but the Renegades fought back for more runs. Left fielder Marty Gantt drove in a run with a sacrifice fly, and later in the frame, Dunn came to the plate on an error.
Tri-City tacked on one in the seventh, but in the eighth Hudson Valley put it away, adding two more runs to its 6-3 lead. Gantt drove in a run with an RBI single to the right-center field gap, and eventually scored on a wild pitch to cap the night on offense.
Just as the Renegades' bats were clicking, Hudson Valley's pitching also held up. The Renegades used seven pitchers to piece together the clincher and were carried by a two-inning, four-strikeout performance from Brandon Henderson, who recorded the win.
Henderson also notched the win in the Renegades' 2-0 victory over Brooklyn last Monday, setting down 13 consecutive Cyclone batters through 4.1 innings. He maintained the relaxed mentality throughout the playoffs.
"I just took it one pitch at a time, that was the mindset," Henderson said. "I tried to dial in each pitch, and we got the job done. It was great energy, and all year we played really loose."
Tampa Bay Rays' first round draft pick this year, third baseman Richie Shaffer, finished the playoffs with five RBIs, three runs scored, and a triple.
Shaffer knocked in one of the Renegades' two runs in the final game of the Brooklyn series, not to mention he crushed a go-ahead, three-run home run in the eighth inning of Game Two of the LCS to force a Game Three. The Renegades' win overwhelmed Shaffer, and marked the first time he captured a team title.
"It's incredible and this is why you play the game," he said. "I could tell we had something special here and the chemistry among this team was unparalleled. This is one of the first times I ever won a championship in my career in baseball, since I was eight years old, and it's just an awesome feeling."
Like the players, after it was all over, Sandberg felt a huge sense of satisfaction.
"It's amazing," he said. "Both series we were down 1-0 and that's how we played this entire season. We never gave up. It was a special season – they turned it into a special season."
I'd like to thank the Renegades right now for allowing me to be a part of the team this season, albeit a small part. It was extremely fun to cover this group of players and I'm also happy manager Sandberg enjoyed my articles – he even went out of his way to compliment them several times.
I can only hope covering the Renegades this season served as just a prelude of what is to come for me in my career as a journalist. Perhaps a few years down the road, I'll make the big press box at Yankee Stadium.
Let's hope so.


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Potty poems
I read with nostalgia in your recent issue about the drought the oft-quoted West-coast water-wise jingle "If it's yellow, let it mellow," etc. ["It's the flushing, stupid," September 26, 2002] (http://www.readthehook.com/92534/news-its-flushing-stupid-potty-policies...) I was saddened to discover that my newfound southern friends wanted something more refined.
Here are a few new jingles that may help the cause.
For our British immigrants: "If it's pee, let it be; If it's poo, down the loo."
Let's not forget Midwestern folks: "#1 stays in the bowl; #2 goes down the hole."
And for the kids: "Tinkle a bit, let it sit; Pooh-pooh a lot, keep it not."
Finally, a more "cultured" verse: "I sat on the throne, a little water I did make; If only it were different, I might get a break."
Maybe the City or Service Authority could have a contest and give a few extra gallons to the winner.
Marc Chapelle
Albemarle County


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Digital Production
The Gnomon Workshop offers the most comprehensive set of Digital Production tutorials anywhere. The broad scope of the tutorials contained in this section range from foundational understanding of the software tools all the way to the professional application of these tools and concepts used by artists working in the film and game industries.
Entertainment Design
The Gnomon Workshop is widely regarded as the global leader in training tutorials for the designer working in the entertainment industry. With tutorials ranging from foundational drawing and design concepts to process tutorials from some of the top concept and character designers in the world, there is surely something here to inspire.
As the tattoo industry has seen an explosion in popularity over the last few years, the need training in this field has also grown. In these video tutorials, some of the top tattoo artists in the world share their techniques and their take on the art of tattoo. The tutorials range from absolute beginner level to advanced color and blending techniques used by some of the world's best.
The Gnomon Workshop offers professional training on most of the software applications used in today's digital pipelines. There are foundational titles to introduce users to the software and tools, as well as advanced production titles that discuss application tools and processes vital to the production of digital assets and media.
Professional Training for Artists
The Gnomon Workshop seeks out the most highly-regarded traditional and digital artists and technicians currently working in the entertainment and design industries. Our instructors have shared their practices working at such top studios as Pixar, ILM, Blizzard, and many more.Instructor GalleriesInstructor Interviews
Marc has been working in the film, advertising, game and publishing industries for the past 20 years. He attended Lawrence Institute of Technology, where he studied architecture before graduating from the Center for Creative Studies in Detroit in 1990. Having worked with Lucas, Spielberg, the Wachowskis and Zemeckis, Marc's film credits include Star Wars: The Phantom Menace & Attack of the Clones, Matrix Reloaded & Revolutions, Polar Express, War of the Worlds, Jimmy Neutron-Boy Genius, 8 Mile, Hellboy and IMAX's first all CG 3D movie Cyberworld where he worked as Production Designer. Recent movies include Beowulf, Monster House and Disney's A Christmas Carol where he was Art Director. Recent game titles include BioShock 2 and Iron Man 2. Marc continues to create images both traditionally and digitally with an emphasis on architectural, vehicle, creature, character and environmental design; works that reflect his own unique vision. His creative passion is to bring to life the myriad of creatures and monsters crawling around in his head.
"I met Marc the first time when my partner, Roger Servick and I were invited to Skywalker ranch for brunch. Marc was part of the amazing group who had just finished work on George Lucas' Episode Two. Looking at Marc's drawing skill, his technique and his enthusiasm for design and image creation I had no doubt he would continue on an ascending professional career. He stopped by our house in Hollywood on his way back to his then residence in Windsor, Ontario, Canada where I had more time to appreciate his creative skill. Now, years later I have the enjoyable opportunity to again reiterate my original assessment of his creative expertise, Marc has an ongoing bright future as a premiere creative talent. I wish him only the best and look forward to many years of enjoying his work. "
Try a Class on Campus
Gnomon specializes in computer graphics education for careers in the entertainment industry.


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Four years after their last album, "Fearless," Cowboy Mouth is back, and very possibly better than ever.
With its tenth album, 20 years after its first, the band, with "This Train…" has captured in a single album a perfect Cowboy Mouth primer, capturing what the band is all about with songs that measure up with any they've recorded.
The album begins with the high-energy, rocking title track. While Cowboy Mouth is a excellent studio band, they are unparalleled as a live act, a fact that's hinted at in this, the only live recording on the otherwise studio album. To be sure, it's a restrained and focused live performance for the band, absent of lead singer and drummer Fred LeBlanc's interplay with the audience, but its a recording that makes it easy to imagine that the song will become a cornerstone of Cowboy Mouth concerts for quite a while. Energetic and catchy, "This Train" is an instant Cowboy Mouth classic.
"Blues At Bay" is Cowboy Mouth at play, a creative and fun song that, as the title implies, brings in a blues-y feel while still remaining quintessentially Cowboy Mouth. While the two songs are very different, "When It Rains" does something similar, mixing in an exotic melody while keeping the Cowboy Mouth feel.
"All The Way To Austin" is the newest album's proof that Cowboy Mouth are not only reigning masters of Southern rock, they're darned proud of it.
"Be Alive Tonight" is as distilled a version of the Cowboy Mouth gospel as the band has ever recorded. The band's concerts are not only a virtuoso musical performance, they are a call for the audience — the congregation — to celebrate life. "Be Alive Tonight" is the perfect altar call for that message.
"I Believe" is not a new song, having been included in the band's last album, but it measures among their best, and the inclusion of the "This Train Version" of the song on this album just helps to secure its place as the perfect introductory Cowboy Mouth album for new listeners, and a modern masterpiece for long-time fans.
The album is currently available exclusively from the band's web site for $5.99, and the band is currently on tour supporting it.
Filed under: Entertainment, Reviews | Tagged: cowboy mouth, Fred LeBlanc, music, This Train | 1 Comment »


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Book Appointment
Call For Price
- Product Detail
- Reviews
- Need Assistance
General Information
Center stone Information
Diamond Information
Email : email@example.com
Arizona Diamond Center has been servicing the community of the Valley of the Sun for over 38 years. Starting with only 4 family members in one small store. We have grown to employ over 30 team members. AZDC stands out by offering same day repairs by our 3 Master Jewelers, the greatest value in hand-selected diamonds, and a warranty program created just for our client's needs. Our client's warranties will even cover diamonds not bought in our stores. Call store for details.
As a highly reputable jeweler, Arizona Diamond Center has forged partnerships with renowned companies, such as Pure Grown Diamonds, Love story, Beautiful Bride and Royal Colorless Diamond Collection to name a few.
AZDC is committed to customer satisfaction and stand behind our merchandise and workmanship 100%. Any merchandise found to be defective will be replaced or repaired at no cost (excluding normal wear and tear).
Arizona Diamond Center offers the finest in quality diamonds. Our Lifetime Diamond Upgrade affords you the option of upgrading at anytime and receiving full-retail credit towards another diamond purchase. This applies to diamond engagement rings (not including settings), solitaire diamond stud earrings and pendants.
Arizona Diamond Center is confident that our customers will love their jewelry. Just liking a piece in not acceptable in our eyes, so returns can be refunded or exchanged, no questions asked, within 30-days of purchase. Merchandise must be in original condition with original receipt, unless marked otherwise. Any merchandise ordered (including engagement rings and certified diamonds), custom made, or altered at the customer's request is non-returnable.
Arizona Diamond Center is pleased to offer our customers a variety of complimentary services including same day to next day service, so your item never leaves our store. (Most competitors send their repairs to 3rd party jewelers, which can take 3-4 weeks to get your item back.) Additionally, Arizona Diamond Center can engrave any piece of jewelry whether you bought it with us or not. We can also engrave on various metals including precious metals such as gold, silver, and platinum. Our engravings can be done at any of our 3 locations.
We offer comprehensive financing programs through our preferred customer charge accounts: No credit check, the option of paying your balance in 30 or 90 days interest free, 24 months interest free, or any of our other plans that are tailored to fit your budget, A revolving credit line that allows you to purchase up to your credit limit, no annual fee, advanced notice of special savings events and rebates.
For your safety our staff will wear masks, all surfaces will be disinfected throughout the day, social distancing will be in enacted, and we will be adhering to CDC guidelines. Please contact us if you are interested in a virtual consultation.
Book Appointment
Email : email@example.com


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Heineken 'the entrance' by Wieden + Kennedy Amsterdam
AgencyWieden & Kennedy Amsterdam
SectorFood and Drink and Alcohol
Heineken has launched its global brand campaign for Heineken with a new spot called 'The Entrance'.
The film premiered on Heineken's Facebook fan page at the end of 2010 to more than 900,000 Heineken fans and will start to appear on television and cinema screens around the world from the first quarter of 2011 onwards.
The film's hero demonstrates the ultimate party entrance.
The film includes 90'', 60", 45'' and 30" length spots and 11 extra short films, viewed on YouTube and Heineken's Facebook pages, which reveal the secret back-stories of the key characters starring in the film.


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Concrete move: Market Annex work begins on Main St.
Workers ready the former site of C&R Auto, whose painted signs used to grace 513 West Main Street with promises of "specializing in automatic transmissions," for an expansion of the purple-hued gourmet complex across the street known as Main Street Market.
At the Market, that kitchen store formerly known as Seasonal Cook has been purchased by a Culpeper-based couple who reopened it on Saturday, January 7, as Frenchman's Corner.
Meanwhile, the light blue storefront seen at left in this photo will soon become a new concept called One Meatball Place. The owner, Richard Zakin, says that meatballs will be high quality using all kinds of meat including fish and chicken. "We think it might be something that will thrive in this market," says Zakin, who envisions an opening in April.
-–story updated 1:22pm Friday, January 13 to reveal what's happening at One Meatball Place
More SnapsRead more on: lost charlottesvillemain street market


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Rudra and Sons
105, Mubarak Manzil, Mumbai Samachar Marg,
Office No: 20, 1st Floor, Opp: Bharat House,
Nr Bombay Stock Exchange
Fort,Mumbai- 400 001
Closest Station : CST & Churchgate
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Rudraksha - Rudraksha:1 to 21, Ganesh,
Rarest Rudraksha 22 to 32 Mukhi,
Gaurishankar Rudraksha,
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Hager VML61214CU Design10 18th Edition All Metal 12 + 14 Way High Integrity Dual Row Twin RCD Flexible Split Load Consumer Unit With 63A Switch Disconnector Isolator & 2 x 63A 30mA RCDs - Can Only Be Used Where Upstream Current is ≤63A
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Manufacturer Information
Code VML61214CU
Hager VML61214CU Design10 18th Edition All Metal 12 + 14 Way High Integrity Dual Row Twin RCD Flexible Split Load Consumer Unit With 63A Switch Disconnector Isolator & 2 x 63A 30mA RCDs - Can Only Be Used Where Upstream Current is ≤63A
The Hager VML61214CU Configurable High Inegrity all metal consumer unit is fully compliant with the 18th Edition of BS 7671:2018. A twin RCD split load configuration protecting a configurable bank of 12 + 14 MCBs / RCBOs split into two circuits, the unit is supplied with 63A switch isolator and 2 x 63A 30mA RCDs.
The metal enclosure comes supplied with a full metal DIN rail and full complement of earth and neutral terminals along with marking labels, busbar and instructions.
1 x 63 Amp DP Main switch controls the entire board and allows for up to 26 x RCBO's or MCB's circuits
2 x 63 Amp 30mA RCD allowing form RCD circuits to be split around a building
Max No of MCB's or RCBO's = 12 + 14
Dual 63 Amp 30mA RCD Protection
Allows 100% RCD Protection
Option for High Integrity with Individual RCBOs
Allows for RCD Exemptions on MCBs
Main Switch controls all circuits
Second RCD for 2nd Group of Circuits
Range Overview
The Hager Design 10 is a functional board created for all applications. As with all models in the range, there is ample cable space available even when RCBOs are fitted. The top mounted terminal rail makes the wiring of the neutral and earth connections neat and simple. Multiple fixing points, and a full metal DIN rail ensure the devices sit square.
63A Consumer unit enabling conformity with 18th Edition wiring regulations for overload protection of RCCBs and switches, in any single phase residential application regardless of the current rating to the supply authority fuse. Type A RCDs are provided, these devices can detect AC sinusoidal waveforms and pulsating DC components. Can Only Be Used Where Upstream Current is ≤63A
Technical Info
Multiple fixing points
All Design 10 consumer units contain top, bottom and rear knockouts and a meter tail cable entry plate as standard
No restrictions under the DIN rail
Cable entries positioned for easy access to devices
Cable entry protectors to prevent damage to cable caused by sharp edges
Rear cutouts optimised to give neater installation
Terminal bars are top mounted allowing for easy cable dressing - fully rated to 100A
Conforms to BS EN 6439-3 including Annex ZB (16kA rating)
Full range of accessories available
Height (mm): 486
Width (mm): 370
Depth (mm): 83/100


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Candice Glover Wows Judges with 'Syrup and Honey' on 'American Idol'
A highlight of tonight's audition episode of 'American Idol' in Charlotte, N.C. was 22-year-old Candice Glover, who sang a powerful – yet appropriately sweet – version of Duffy's 'Syrup and Honey.'
Some of you may recognize Glover from last year, who got cut following the 2012 'Idol' group episode in Las Vegas. She was rightfully disappointed about being sent home, but she didn't let it break her spirit or her stride. In fact, she returned this season with renewed vigor and confidence, armed with the desire to prove herself to the new panel of judges.
A church girl at heart, Glover delivered a soulful performance that brought the judges to their feet in the form of a standing ovation. "I'm obsessed with you. I wanna skin you and wear you," came Nicki Minaj's rather blunt and twisted compliment. "You are what people watch 'American Idol' to hear, to see. I'm not even worthy to critique you." Despite the fact that she and Minaj have been butting heads lately, Mariah Carey was quick to agree. "This was the absolute best singing we have heard thus far," she stated. "I wish you already had something out that I could listen to…I felt you."
Needless to say, it wasn't hard for the judges to cast their votes, as was evidenced by their resounding praise. Glover was then swept up into the arms of her friends and family members who were there to support her. "This means the world to me," she exclaimed happily. "I'll see you in Hollywood!"


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HOUSTON – Every team has that one opponent who always seems to have their number. For the Houston Dynamo, it's the boys from Columbus.
Houston and the Crew met for the 14th time Sunday night and their 2-2 draw – the second time they played to that scoreline this year – was the eighth time in the series' history the teams played to a stalemate. The Dynamo have beaten Columbus just twice all-time.
In fact, the Dynamo nearly lost again on Sunday night, and came roughly eight minutes from losing for the first time at BBVA Compass Stadium, if not for a late goal from Adam Moffat. The back and forth nature of the match is further evidence that Columbus play the type of soccer that makes life interesting for the Dynamo.
"Some matchups in this league aren't ideal and for some reason we seem to struggle with that team," defender Bobby Boswell said. "I think it's because they're pretty gritty, like we are, and seem to grind games out. It's always a good matchup. Maybe not the most exciting to watch on television but talking about competitive nature it's pretty good."
Counterattacks hurt
Columbus were at their most dangerous Sunday night when catching Houston on the break. The Dynamo applauded the visitors' ability to stay organized and strike when their commitment to going forward pulled them out of position.
"Over-commitment for us was a little bit of a problem," Moffat said when asked what opened up the counter opportunities. "You get impatient …You push a few guys forward and all of a sudden there's gaps. We'll look at that and it'll be something we address."
Clark makes home debut
For the first time since 2009, Ricardo Clark played in front of the Houston faithful. Coming on in the 63rd minute, Clark brought a spark to the Dynamo attack with his customary high work rate and ability to mix things up in the center of Houston's formation.
"You know from Rico in the past that every time he steps on the field he's going to give you 100 percent," midfielder Brad Davis said. "He's improved and had some good experiences overseas. He's gotten better each year and I see him getting better and better as he regains his fitness for us."
Darrell Lovell covers the Houston Dynamo for MLSsoccer.com.


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Q: A friend's husband died last year and she has not changed the name of the legal owner of the house from his name to hers. I'm worried that if she had to make a claim on her home insurance, it won't be accepted as the house is not in her name. What are the legal ramifications of not changing the deed to reflect current ownership?
A: Thank you for your question, which is one of many I received following last week's column how to settle financial affairs after the sudden death of a spouse.
Most of the questions touched on this problem of the surviving spouse being in a state of inertia for an extended period of time following the death. Grief counselors usually advise the recently widowed not to make any major changes for at least a year to allow for the natural ebb and flow of time to gradually ease the emotional pain. But when you have to keep a roof overhead, look after other family members and of course yourself, there are major legal and financial changes that need to happen almost immediately following a death in order to ensure your continued well-being.
This is where good friends come in. You are correct in being concerned that your friend is at risk of being denied insurance coverage because not only is the house still in her deceased husband's name but it sounds like she has yet to inform the insurance company of his death. She may be keeping the insurance premiums up to date but given the original insurance contract was with her husband; legally the contract is no longer valid.
Your friend may have been lulled into a false sense of security because insurance companies tend not to ask questions until there is an actual claim. So just when your friend would need the insurance most, i.e. after a fire or robbery, the insurance investigator will learn of the unreported death and may well decline to pay your friend even if she can prove she is the owner of the insured property because she and the named policyholder are not the same person.
Advising the home insurance company of her husband's death was likely not a priority for your friend but the liquidator (executor) of the will should have done so in the normal course of settling the affairs of the deceased. Upon notification with suitable backup (death certificate, copy of the will), the home insurance company will usually accept to continue insuring the home in the estate's name (although they may refuse if, for example, the house is no longer occupied) until the full transfer of the property takes place to the successor.
If your friend is the liquidator for her husband's estate as well as sole beneficiary, as is often the case with married couples, she may be confusing her beneficiary status with her role as liquidator and think that because she is the only person inheriting the house there is no urgency to act. It is true that estates can sometimes take years to settle but in the case of a spousal sole beneficiary, most of the transfers can easily be done within a few months either directly with the institutions involved or with a notary's expertise.
As liquidator, your friend has legal obligations that she must fulfill regarding the notification of all interested parties, settling liabilities, filling tax returns and insuring the estate property prior to transfer. Failing to do so within a reasonable time frame will expose her to legal liability in her role as estate liquidator and the fact she is the sole beneficiary of the estate will not protect her.
Email your questions to firstname.lastname@example.com or by mail to "Let's Talk Money", The Gazette, Business Section, 1010 Ste. Catherine St. W., Suite 200, Montreal, H3B 5L1. Brenda Shanahan offers private financial counselling at www.yourfinancialcounsellor.ca or by personal appointment at the Sedona Counselling Centre of Montreal at 514-487-2828.


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Anterior skeletal anatomy
The skeleton is made up of 206 bones in the adult and contributes to the form and shape of the body. The skeleton has several important functions for the body. The bones of the skeleton provide support for the soft tissues. For example, the rib cage supports the thoracic wall. Most muscles of the body are attached to bones which act as levers to allow movement of body parts. The bones of the skeleton also serve as a reservoir for minerals, such as calcium and phosphate. Finally, most of the blood cell formation takes places within the marrow of certain bones.
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Actress Olivia Wilde was forced to make the first move on comedian Jason Sudeikis after he failed to ask for her number during numerous run-ins.
The "TRON: Legacy" beauty first met the funnyman in 2011 on the set of "Saturday Night Live, "but they didn't start dating until several months later – and Wilde admits they would not be engaged now if she hadn't adopted a stronger approach to land her man.
She tells Allure magazine, "I met Jason, and I thought he was so charming. He's a great dancer and I'm a sucker for great dancers. But he didn't even get my number.
"Over the next six months we kept running into each other. (One night), my best guy friend walked up to him and said, 'This is Olivia's number. Use it.' That was the beginning."
The couple announced its engagement earlier this year.


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may be delayed until 2015 according to an anonymous source from Ubisoft Massive.Speaking to GameReactor, the source claimed that while the recently-demonstrated Snowdrop Engine that powers the game is close to completion, only a sliver of the actual world has been built."The game engine works well, it's not done, but works well. The actual game development has barely started, however," said the anonymous insider.
see deal
Tom Clancy's The Division - PC$19.93on Walmart
The fact that Ubisoft has gone public with a 2014 release date feels laughable to be perfectly honest."The fact that Ubisoft has gone public with a 2014 release date feels laughable to be perfectly honest, we will never be able to release The Division this year. It's a large project, and we have very far to go."
While unconfirmed, it's certainly possible that the title may have slipped to 2015 considering the fate that's befallen other Ubisoft titles. Last year, the publisher said that upcoming racer The Crew would release in the first quarter of 2014, with The Division following towards the end of the year. Since then though, a number of setbacks have occurred.
Firstly, Watch Dogs was delayed to the first part of 2014, then The Crew was pushed back to the second quarter of the year. While we still don't have a solid release date for The Crew, it would make sense for Ubisoft to want to leave a bit of a gap between launching its titles. This means that the earliest we could see The Division would be the tail end of the year or, as the source suggests, maybe not before 2015, especially as the PC version is planned to be far more than a simple port.We reached out to Ubisoft for comment but were told the publisher doesn't comment on rumour and speculation. For the time being the rumour is unsubstantiated, but it's definitely not outside the realms of possibility.
Luke Karmali is IGN's UK Junior Editor. You too can revel in mediocrity by following him on Twitter.
If you buy something through this post, IGN may get a share of the sale. For more, learn more.


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The asteroid-mining venture backed by Google's chief executive Larry Page and chairman Eric Schmidt has a new list of billionaire investors and is nearing an agreement with a mining company, according to reports.
Planetary Resources Inc., the asteroid-mining outfit, announced it is adding more billionaire investors and nearing a agreement with a "top-10" mining company, Bloomberg BusinessWeek reported. The Seattle-based company plans to mine platinum group metals and other minerals with robotic technology.
"If their step-by-step roadmap goes to plan, I think it could be quite promising in the longer term," Ben Taylor, a research fellow in the planetary environments team at the University of Surrey in Guildford, England, told Bloomberg Businessweek. "We can identify the minerals on the asteroids from orbital surveying, but it becomes a question of whether it's still going to be cheaper to extract the very small amount that's on earth compared to the cost of extraction on an asteroid."
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While the company has enough money for several years of mining, it would need to go public if it plans on any future financing. With Page. Schmidt and other billionaires on board, the mining outfit could have some geek cachet.
Don't believe it? Planetary Resources plans on using water-rich asteroids, places that could later be used for refueling stations for future "space adventures," according to Anderson. How could any self-respecting techie not invest in that?


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4 Machines found
Wood chip briquetting press
The most important highlights at a glance
FELDER Wood chip briquetting presses
All machines are available in either a right or left handed setup. The stable base allows for quick setup times as well as the combination with a Felder clean air extractor. Thanks to the sturdy construction, Felder briquette presses are suitable for constant use.
... Your decision for Felder, a risk-free decision
- The right machine for every budget
- Complete reliability in professional use
- Tailor made machine solutions
- High quality cast iron machine table and aggregates
- Innovative detail solutions derived from 60 years of experience – already included in the standard configuration
- First class manufacturing and finishing standards
- Intuitive application concepts
- Modern, distinct design
- Quality and precision from Austria
- Powerful and efficient
- Complete package: Comprehensive service support
Equipment & Specifications
Wood chip briquetting press
Diameter of pellets (mm)
Output performance (kg/h)
Hydraulics motor (kW)
Hydraulics oil volume (l)
Weight (kg)
Measurements L x W mm
1750 x 1270
Important Accessories
02.0.483 - Water cooler for briquetting press, 1x 230 V


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Macsome Audio Recorder 1.1
Macsome Audio Recorder is a powerful audio recorder on Mac OS X. It can record from two different types of sources, PC devices and applications, such as Audio Flow From Line In, iTunes Radio Program, Voice Chat, Audio From DVD and Audio Flow From Safari. It can customize Recording settings to improve audio quality from any application, set time recording, save the recording directly into MP3, AAC files, burn to MP3 CDs, and audio CDs.
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Society for the Prevention of Cruelty to Animals Los Angeles (spcaLA) welcomes internet cat phenom, Lil Bub! Well-wishers who bring cat litter, cat food, or a monetary donation for spcaLA shelter cats will meet, take a picture, or receive a "kiss" from Lil Bub.
Lil Bub burst onto the online scene in July of 2012 and quickly became a favorite of cat fanciers around the world. As a rescue herself, Lil Bub uses her fame to help other kitties in need. Only a short time ago, Lil Bub was found abandoned and now has a happy home.
A portion of proceeds from Lil Bub's merchandise sold will be donated to spcaLA.
Visit Lil Bub and her shelter friends at spcaLA's P.D. Pitchford Companion Animal Village & Education Center at 7700 E. Spring St. in Long Beach.
For more information or to schedule an interview, please contact Ana Bustilloz [email protected].