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The court in IDS Property Casualty Ins. Co. v. Schonewolf, No. 13-6039, 2015 U.S. Dist. LEXIS 67542 (E.D. Pa. May 26, 2015), [subscribers can access an enhanced version of this opinion: lexis.com | Lexis Advance], gave away the ending right at the get-go: "Although I am mindful that courts should not lightly allow a wrongdoer to avoid responsibility by 'drinking himself into insurance coverage,' at this juncture I cannot rule out the possibility that coverage exists."
But to really give away the ending, the court's decision, that someone can drink themselves into coverage, has a twist -- to get such reward they must be really, really plastered. Just somewhat drunk is not going to cut it. At issue in this federal court case is coverage for Michael Schonewolf (and Dan Lagreca) who was sued for violently beating John Sweeney in a concert parking lot. The complaint alleged that Schonewolf, who was underage, was intoxicated. Schonewolf sought coverage under his parents' homeowners policy issued by IDS Property Casualty. IDS provided a defense to Schonewolf and filed an action seeking a determination that it had no duty to defend or indemnify him.
At issue was whether the IDS policy's "occurrence" requirement was satisfied. Further, the IDS policy contained an expected or intended exclusion.
The policy defined "occurrence" as: "[A]n accident which is unexpected or unintended from your standpoint resulting in bodily injury or property damage during the policy period. It also includes repeated or continuous exposure to substantially the same general harmful conditions."
The court began its task by turning to the definition of "accident" under Pennsylvania law: "an unexpected and undesirable event occurring unintentionally, and that the key term in the definition of the 'accident' is 'unexpected' which implies a degree of fortuity. . . . An injury therefore is not 'accidental' if the injury was the natural and expected result of the insured's actions." The court further noted that, in determining whether IDS had a duty to defend Schonewolf, it must view the events from the perspective of Schonewolf." From all this, the court concluded: "Given the definition of 'accident' in Pennsylvania, 'an insured is not entitled to coverage for damages caused by his intentional assault on another person.'" A further principle of Pennsylvania law, noted by the court, is that an actor is presumed to intend the natural and expected results of his actions.
On one hand, the court observed, the injuries suffered by Sweeney "were certainly the natural and expected result of Schonewolf's violent acts, or at least to be expected or intended by one who is not intoxicated." On other hand, based on Pennsylvania law, "imbibed intoxicants must be considered in determining if the actor has the ability to formulate an intent." The court explained: "An insured who is intoxicated may lack the ability to formulate the requisite intent to appropriately label his conduct as intentional. That rule is not without its limits. Intoxication would have to be so severe that a court could find that the assailant did not intend the natural and probable consequences of his actions."
Following a detailed analysis of Pennsylvania law on this issue, the IDS court reached this conclusion:
"As a general rule, a court interpreting an insurance contract seeks to ascertain the intent of the parties as manifested by the terms used in the written insurance policy. It is unlikely the parties expected an alcohol-fueled assault would fall within the realm of homeowner's insurance. Nonetheless, Mehlman [589 F.3d 105 (3d Cir. 2009)], [subscribers can access an enhanced version of this opinion: lexis.com | Lexis Advance], makes clear that there are circumstances under Pennsylvania law where the intoxication of an insured can negate intent to a point where the insured's actions qualify as an 'accident,' as the term is understood in Pennsylvania homeowner's insurance contracts. As noted above, the complaint here pleads less than the 'alcoholic blackouts' in Stidham [618 A.2d 945 (Pa. Super. Ct. 1993)], [subscribers can access an enhanced version of this opinion: lexis.com | Lexis Advance], but more than the mere fact of intoxication in Mehlman. Given that I must construe the allegations liberally and resolve doubts in favor of coverage, I conclude that the language stating that Schonewolf, as an underage drinker, had 'consum[ed] alcoholic beverages ... knowing that it would cause significant impairment and lapse of judgment and control' is enough to leave open the possibility that the impairment and lapse in judgment and control was so severe as to negate intent."
The court applied the same analysis to conclude that the expected or intended exclusion also did not exclude a duty to defend.
Coverage Opinions is a bi-weekly (or more frequently) electronic newsletter reporting or providing commentary on just-issued decisions from courts nationally addressing insurance coverage disputes. Coverage Opinions focuses on decisions that concern numerous issues under commercial general liability and professional liability insurance policies. For more information visit www.coverageopinions.info.
The views expressed herein are solely those of the author and not necessarily those of his firm or its clients. The information contained herein shall not be considered legal advice. You are advised to consult with an attorney concerning how any of the issues addressed herein may apply to your own situation. Coverage Opinions is gluten free but may contain peanut products.
Randy Maniloff is Counsel at White and Williams, LLP in Philadelphia. He previously served as a firm Partner for seven years and transitioned to a Counsel position to pursue certain writing projects including Coverage Opinions . Nonetheless he still maintains a full-time practice at the firm. Randy concentrates his practice in the representation of insurers in coverage disputes over primary and excess obligations under a host of policies, including commercial general liability and various professional liability policies, such as public official's, law enforcement, educator's, media, computer technology, architects and engineers, lawyers, real estate agents, community associations, environmental contractors, Indian tribes and several others. Randy has significant experience in coverage for environmental damage and toxic torts, liquor liability and construction defect, including additional insured and contractual indemnity issues. Randy is co-author of "General Liability Insurance Coverage - Key Issues In Every State" (Oxford University Press, 2nd Edition, 2012). For the past twelve years Randy has published a year-end article that addresses the ten most significant insurance coverage decisions of the year completed.
Read more from this issue of Coverage Opinions.
For more information about LexisNexis products and solutions connect with us through our corporate site


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We are pleased to announce the release of the HPC version of FLOW-3D v12.0. HPC-enabled FLOW-3D v12.0 can be run on in-house clusters or on the FLOW-3D CLOUD software as a service platform, which provides high performance computing as well as our lowest cost entry-point to use FLOW-3D. Go here to see high performance benchmarks >
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FLOW-3D provides a complete and versatile CFD simulation platform for engineers investigating the dynamic behavior of liquids and gas in a wide range of industrial applications and physical processes. FLOW-3D focuses on free surface and multi-phase applications, serving a broad range of industries including microfluidics, bio-medical devices, water civil infrastructure, aerospace, consumer products, additive manufacturing, inkjet printing, laser welding, automotive, offshore, energy and automotive.
A uniquely powerful, multiphysics tool, FLOW-3D provides the functionality, ease-of-use and power that helps engineers advance their modeling objectives. Built for the highest level of performance, FLOW-3D seamlessly scales from standard workstation solutions to hundreds of CPU core solutions on high performance computing cluster solutions.
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FLOW-3D employs our innovative meshing method FAVOR™ that dramatically improves problem setup by embedding the geometry directly into the mesh, allowing for rapid parametric adjustments without the labor-intensive remeshing required by other CFD software. Engineers spend their time visualizing, optimizing and collaborating on design concepts with leaner runtimes and more accurate results.
FlowSight provides a powerful and simple method for understanding and sharing simulation results. Results can be compared by viewing both numerical and visual formats, analyzing iso surfaces from all six degrees simultaneously and linking and viewing separate cases together in the same viewport.


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Two months after Japan's first consumption tax hike in 17 years, some data indicate the economy is stalling as prices climb and a weaker yen makes imports more expensive.
The yen's depreciation from the Bank of Japan's aggressive monetary easing will continue to drive up the cost of imports — especially energy and food — at a time when wages overall are falling. This means the BOJ's inflation target is likely to trigger "bad inflation" — a toxic combination of declining demand and rising prices, analysts warn.
Prime Minister Shinzo Abe's attempt to revive Japan's deflation-mired economy may end in failure if the inflation the BOJ is stoking isn't accompanied by improvement in corporate earnings and wages. If wages don't keep up, both companies and consumers will be reluctant to spend, dampening domestic demand further, they warn.
At a May 21 news conference, BOJ Gov. Haruhiko Kuroda said that since the consumption tax rose to 8 percent from 5 percent on April 1, the economic downturn has been "within expectations" and consumption "remains on a firm footing."
Data for April released late last month by the Ministry of Economy, Trade and Industry said that retail sales dipped 4.4 percent from a year earlier and that industrial production fell a seasonally adjusted 2.5 percent from March.
In the meantime, the diffusion index of coincident economic indicators — a key gauge of current economic activity — said the economy is sliding at its quickest pace since March 2011, when the natural and nuclear disasters ravaged Tohoku, the Cabinet Office said Friday.
Kuroda is hoping that the wage hikes demanded by Prime Minister Shinzo Abe will help offset the tax hike, but the average monthly income at salaried households in April sank 7.1 percent from a year ago in real terms, the Internal Affairs and Communications Ministry reported on May 30.
"Wages are unlikely to grow at a pace that can prop up consumer spending after the tax hike," said Takeshi Minami, chief economist at Norinchukin Research Institute. "If income growth is tepid, retail sales will become sluggish and corporate profits will decrease, which could prompt companies to cut wages," he said, adding, "Under this scenario, it is inevitable that the economy will languish."
Inflationary pressures are expected to persist regardless of the state of the economy, given the effect that the BOJ's unorthodox measures are having on the yen.
In addition to the BOJ's quantitative easing, the U.S. Federal Reserve's tapering of its own impressive monetary stimulus, combined with Japanese life insurers shifting to foreign bonds for higher returns, will push the yen down further, dealers say.
"As the interest rate gap between Japan and the United States is set to widen, many investors appear eager to sell the yen," said a trader in Tokyo.
According to the Finance Ministry, the yen sank by about 20.8 percent year on year against the dollar in fiscal 2013, leaving the exchange rate at about ¥100.16 on average. As of Friday, the dollar was trading above ¥102.
With the yen falling, the core consumer price index, which excludes prices of food but not energy, surged 3.2 percent in April from a year ago — the fastest since February 1991 and up for the 11th month in a row, the internal affairs ministry said May 30.
As the BOJ estimates the tax hike will account for 1.7 points of overall inflation for April, the rise in the CPI will be 1.5 points, higher than the market expects. This excludes the effects of the tax hike.
Masanobu Ishikawa, general manager of spot foreign exchange at Tokyo Forex & Ueda Harlow, said that if the dollar tops ¥110, concerns may grow that higher import prices will trigger high cost-push inflation — a negative factor for growth. "Although many Japanese still believe that the weaker yen will shore up exports and support the economy, it may no longer benefit Japan's economy," Ishikawa said.
Masashi Shimominami, credit strategist at Mizuho Securities Co., said the BOJ is apparently aiming to achieve its 2 percent inflation target by spring 2015 without taking into consideration what will happen to the economy. "Bad inflation is one of the major downside risks to the economy," Shimominami warned.
Even within the BOJ, policymakers have started to argue that the central bank must avoid any misunderstanding in financial markets about its 2 percent inflation goal and underscore that it is not pursuing higher prices without economic improvement.


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Super PACs have found an unprecedented new purpose in this presidential election cycle…
Some of the biggest Republican donors are using super PACs to win the loyalties of Republican delegates, according to Politico. The anti-Trump Our Principles PAC has spearheaded the strategy in an effort to block Donald Trump's support.
You see, if Trump fails to reach the 1,237 delegates he needs to clinch the nomination at the Republican National Convention on July 18-21, the delegates will become unbound in what's called a "second ballot." A second ballot takes place at a brokered convention, where the delegates may vote for whomever they wish. That's why it's smart to win the allegiance of delegates before the convention deadline. (Read about a brokered convention here.)
So far, the Our Principles PAC has raised $7.8 million in election 2016, according to the Center for Responsive Politics. Most of the group's funding came from prominent Republican billionaires Joe Ricketts and Paul Singer. Our Principles PAC has spent most of that on television advertising. But it's also directed a tiny portion – just $84,000 – toward delegate outreach. And if Our Principles PAC's strategy proves successful, other PACs are apt to spend more on influencing delegates in the future, according to Politico…
How Super PACs Are Influencing Republican Delegates
Before the primaries in North Dakota, Colorado, and Wyoming, Our Principles PAC contacted registered delegates to gauge their loyalties, according to Politico.
The PAC targeted the delegates in these three states with mobile advertising. It also had three operatives working in each state to influence attendees at the state conventions.
These operatives planted anti-Trump voter guides that portrayed the real estate mogul as a faux-conservative with a history of pandering to both political parties.
Another new super PAC, #NeverTrump, is already planning for the GOP convention in Cleveland, Ohio. As its name suggests, the super PAC was formed to build a grassroots movement and digital army against Trump. The PAC's staff have booked their hotels in Cleveland and are preparing to target the delegates at the convention, according to USA Today.
Meanwhile, the super PAC supporting Ted Cruz, Keep the Promise, is trying to persuade unbound delegates to back Cruz, and the delegates already pledged to other candidates to vote for Cruz in a contested convention, according to USA Today.
Why the Super PAC Fight for Delegates Matters
The battle for delegates has generated increasing attention in recent weeks, particularly in Colorado. Cruz scooped the entire state's 34 delegates without any votes. His win was controversial because the Colorado GOP canceled the primary vote back in August 2015. Cruz relied on his campaign's superior organization to capture the votes of the delegates themselves, taking Trump's campaign by surprise.
Suspicions swirled as to why Colorado canceled its primary after this tweet from the Colorado GOP was sent out shortly after Cruz won all of the state's delegates.
The Colorado GOP followed up with this explanation – take it or leave it:
Cruz just won a victory similar to Colorado in Wyoming, where he picked up all 14 of the state's delegates on April 9. The state doesn't have a primary vote. Instead, 475 party activists gathered to hold a convention. Again, Cruz's campaign outsmarted Trump's by making delegate outreach a priority.
With delegate loyalties on the line, super PACs are an increasingly useful tool to prepare for a brokered convention.
Right now, they're only being tested…
But it seems the Cruz camp and other anti-Trump movements will continue to explore their effectiveness.
The Ultimate Must-Have Investment: Water is going to be the single most important investment of this century. It's likely to deliver big returns to investors who make the right moves, like the ones in this report. Read More…


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Angie's List Answers is the trusted spot to ask home improvement and health questions and get answers from service companies, health providers and consumers. For ratings and reviews on companies in your area, search Angie's List.
*Updates every 4 hours
Are you sure you are talking interior paint - insulating paints are pretty much exclusively advertised for EXTERIOR use. Quite possibly yes it might work as well as an "insulating blanket" - but that does not mean much, because most of the foil "insulation blankets" donot come anywhere near to doing what they promise - at leat not after they have aged and gotten covered with dust over a few months. Basically speaking, if it sound too good to be true - it most likely is. And if it claims to be NASA Approved or such, that is fake - NASA does not "Approve" or endorse products. Also, sayhing it is "based on a technology developed for NASA or by NASA" means nothing - it I cover your house with velcro does that make it better ? Not to mention the fact that the NASA developed insulation products are generallyi designed to function in - oh yeah - essentially a total vacuum, not in a subdivision - so what works in space commonly does not on earth. A lot of paints are making absurd claims about insulation value because they have ceramic beads ro such in them - most of the claims are bogus, and commonly use terms like "save UP TO 90% on your energy bill" - well, 0.000000001% is "up to 90%". And an interesting thing - even if you DID believe their claims and they were legit - the commonly 5-20 fold increase in price would not be economic anyway. My recommendation - put your money in proven energy saving modes - weatherstripping to stop loss of conditioned air (within reason and compatible with a safe house with adequate ventilation), recommended insulation levels in the parts of the house with the greatest temperature gradients between inside and outside, light colored paints and roofing in predominately hot sunny climates or darker in generally heating condition areas, trees to shade houses with heavy air conditioning used or breezy/windy cold conditions in the heating season, etc. Commonly you can make the greatest effect with the least dollars just by normal air leakage control. Here are links to some previous questions with answers on the "miracle" insulation products: https://answers.angieslist.com/Is-sma... https://answers.angieslist.com/receiv... https://answers.angieslist.com/ViewQu... https://answers.angieslist.com/HomeWe...
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We make two, milk based, all natural desserts, which are both kept frozen. More desserts are in the planning. As frozen foods, these items are not shipped to consumers directly and are sold only in stores serviced by our distributors. These desserts are also available for food service.
"'Stressed' is just 'desserts' spelled backward ." - unknown
Gulab Jamun
Translates literally as Rose (Gulab) Plum (Jamun) because of the rose flavor and plum like looks.Among the most popular sweets of India, Gulab Jamuns are milk products based, cake like balls that are soaked in rosewater flavored syrup. Unique to JYOTI Gulab Jamuns is the small core of nuts and cardamom core filling that puts those beautiful dessert balls in an elegant class well above all the others.
Gulab Jamuns are packed in trays, heat sealed and frozen. A one year "Best BY" date is given for frozen Gulab Jamuns, which can be defrosted, and refrozen if needed. Packed 12 Pcs/tray, Net 24 oz, each tray lidded with heat sealed film, and enclosed in a sealed box. 6 trays per case shipped FROZEN.
Fragrant, creamy rice pudding made with Basmati Supreme Rice, milk, cream, nuts, Cardamom and Kewra flower water (a unique food fragrance from India). Packed in 16 oz containers kept frozen. Freezer life is one year from production date.
KEWRA Fragrance Information:
Kewra flower, also known as Ketki, has only one use: it fragrance, especially in food.
The famous Indian Philosopher and Master Politician, Chanakya (The Diplomatic Enclave in Delhi is named Chanakyapuri in his honor) had the following to say about Kewra (Ketki):
"O Ketki flower! Serpents live in your midst, you bear no edible fruits, your leaves are covered with thorns, you are crooked in growth, you thrive in mud, and you are not easily accessible. Still, for your exceptional fragrance, you are as dear as a kinsmen to others.
"Hence, a single excellence overcomes a multitude of blemishes." - Chanakya Niti


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It's is National Salsa month! What better way to celebrate than to crinkle the chips and get into the power of the pork rind?
Rudolph's is sharing some of our favorite salsa recipes that pair well with America's favorite rind.
Skinny Dipping has never been easier. With zero carbs, 9 grams of protein, and only 5 grams of fat, why didn't you kick the chips to the curb earlier? Get ready for some serious salsa slamming!
- Super Strawberry: It's the time of the year when strawberries are starting to come into season. Let's use this bounty to make a simple, tasty salsa that will leave the bowl you make it in empty! shewearsmanyhats.com has an easy recipe that has become a Rudolph's family addiction. Replace the Cinnamon Sugar Pita Chips with Cinnamon Sugar Rudolph's Pork Rinds and you'll be just as crazed as we are.
- Cowboy Dip: Whether you're on a cattle drive or commuter drive, this is the perfect salsa recipe to dip Rudolph's Original Pork Rinds when the day is done. Saddle up with this easy recipe … Yippee-ki-yay!
- Mango Bango Salsa: Your mouth will do the tango with this fresh mango salsa recipe. Hey, mon … when you dip 'em with Rudolph's Chile Lime Pork Rinds you bring the flavor of the islands to any party.
National Salsa Month is a great time to experiment with flavor and combinations of fruits, veggies and herbs- just don't forget the rinds. There really is a difference Rudolph's provides when it comes to scooping up the yum. Check out some more of salsa recipes on our Pinterest.
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Posted on: May 29th, 2017 | By: Rudolph's Pork Rinds
February is National Snack Food Month and we're celebrating by taking our favorite snack (pork rinds of course!) to the next level! So, go ahead and grab a bag of Southern Recipe rinds because it's time to step up your snacking!
Celebrate #NationalSnackFoodMonth with these top 3 ways to step up your snacking via @southernrecipe https://bit.ly/2eMLr1L https://ctt.ec/acd_d
Pork Rind Nachos: Add a tasty twist to a traditional nacho recipe by swapping out corn chips for Southern Recipe pork rinds. Layer on your favorite toppings for a tasty snack with some massive crunch!
Jalapeno Poppers: Jalapeno poppers are a classic snack food. Next time you're craving this spicy snack, go for a low carb recipe using pork rinds instead of bread crumbs. Southern Recipe Hot and Spicy pork rinds work perfectly in this snack food recipe!
Pork Rinds and Queso Dip: You heard us right … pork rinds and queso. We can't think of a better combination than Southern Recipe pork rinds and cheesy queso dip. Make this snack even more hearty by adding ground beef to your recipe!
Craving more crunch? Check out our Pinterest page for a little inspiration on how to elevate your favorite snacks!
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Posted on: February 15th, 2017 | By: Rudolph's Pork Rinds
With 2017 approaching, it's time for all of us to plan our New Year's resolutions. Whether you keep them or break them, we all start the New Year off with the best intentions. This year, we want to help you keep your resolution.
New Year … new you. But your favorite pork rinds don't have to change! via @RudolphFoods! https://bit.ly/2eMLr1L https://ctt.ec/aI3dv
Many of you will be able to relate to our New Year's resolution. This year we want to get healthier. But we don't want to completely deprive ourselves of the snacks and foods that we love.
If you're in the same boat as us, you're in luck! Rudolph's Pork Rinds have always been a delicious, low carb snack. One serving of our pork rinds has 0 carbs, 9 grams of protein, and only 5 grams of fat. Go ahead and crunch on those numbers!
This year, we're going to help you keep your get fit resolution. Add some delicious crunch to your recipes with Rudolph's Pork Rinds. We've got some down-home southern specialties that are delicious with our pork rinds, you have to try to believe!
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Posted on: December 27th, 2016 | By: Rudolph's Pork Rinds
The holidays are a time to enjoy the ones you love. For us, there's no better way to do that than with a good ol' family dinner.
Gather round the table with these pork rind approved holiday recipes via @RudolphFoods! https://bit.ly/2eMLr1L https://ctt.ec/fqr88
This year, we're taking our love of pork rinds and creating some delicious holiday recipes that'll turn up your traditional family dinner.
Stuffing: Ditch the bread and use Rudolph's Original Pork Rinds as the base of your holiday stuffing. Toss sautéed onions and celery with crushed pork rinds, mix in your beaten eggs and chicken broth, and then pop it in the bird to bake. After trying this stuffing you'll be wondering why you hadn't made it sooner!
Green Bean Casserole: Pump up this staple holiday side by mixing a 1/3 cup of Rudolph's Hot and Spicy Pork Rinds with sautéed garlic, salt and olive oil for a crunchy topping.
Pecan Pie in a Pork Rind Crust: And now for dessert, pecan pie anyone? Make a simple pork rinds crust by grinding up a bag of Rudolph's Original Pork Rinds and mixing flour and eggs until it forms a dough. Place the dough in a pie pan and fill with your go-to pecan pie recipe.
These surprising twists will have your friends ad family clamoring for more! Craving more down home meals? Head over to our Pinterest board with all the meals inspired by your Mama's cooking!
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Posted on: December 14th, 2016 | By: Rudolph's Pork Rinds
Calling all football fans! The Big Game (and Pork Rind Appreciation Day) is approaching and we think this year, you should win big!
Huddle up and play "Guess The Great" and win $2,500 via @RudolphFoods! https://bit.ly/2eMLr1L https://ctt.ec/Du0bf
We've teamed up with the Gridiron Greats Assistance Fund to bring you the Pork Rind Appreciation Day game "Guess The Great." Each time you play, you'll be entered to win $2,500! Plus, a donation will be made to Gridiron Greats so they can continue to help the football legends we know and love.
The game is simple, just match 'em and win! Everyday you play, your chance of winning it all increases! So next time you're cheering on your favorite team, go to porkrindday.com during the commercial break and play to win.
Huddle up and play "Guess The Great" today!
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Posted on: December 7th, 2016 | By: Rudolph's Pork Rinds
We're celebrating Pork Rind Appreciation Day with the Gridiron Greats Assistance Fund and you can WIN $2,500 too!
Play Guess The Great for the chance to win $2,500 via @RudolphFoods! https://bit.ly/2f9zIuu https://ctt.ec/lfWew
For those who have never heard of the organization, Gridiron Greats Assistance Fund is Mike Ditka's personal charity that provides medical and financial assistance to former National Football League (NFL) players in dire need. This year you can join Da' Coach.
Concussions and head injuries have had devastating effects on some of our favorite football greats. To bring awareness to the ailments affecting so many, we created the memory game, "Guess The Great," to help raise awareness and also support Gridiron Greats.
Each time you play "Guess The Great", you'll have a chance to win $2,500 and a donation will be made to Gridiron Greats. Play each day to increase your chances of being the grand champ.
Test your memory, and play "Guess The Great" today!
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Posted on: November 23rd, 2016 | By: Rudolph's Pork Rinds
There's no better way to enjoy fall sports than with a cold drink and some of the best tasting rinds around.
Spice up your brew with this hot and spicy beer cocktail via @RudolphFoods! https://ctt.ec/Ykzae
Take a break from a basic brew and try out our Bloody Good Beer. It's easy to make, and it combines the best parts of a Bloody Mary with your favorite beer. Nothing fancy, just been made better.
Bloody Good Beer:
8 lime wedges
2 cups tomato juice
8 Tbsp. fresh lime juice
Hot sauce
Worcestershire sauce
8 12-oz cans light lager
1/4 cup ground Rudolph's Hot and Spicy Pork Rinds
- Rub the rims of 8 pint glasses with a lime wedge
- Dip in the ground pork rinds and fill each with ice
- Add 1/4 cup tomato juice, 1 Tsp. lime juice, a dash of hot sauce & Worcestershire sauce and a 12 oz lager to each glass.
- Garnish with lime wedges.
Wondering what to make with this delicious drink? Add these pork rind recipes to your next tailgate to make it even better.
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Posted on: November 16th, 2016 | By: Rudolph's Pork Rinds
Who doesn't love a little competition? Well we're pitting two monstrous nacho recipes against each other to find out which one will reign supreme. Let your gut guide you.
Two recipes, one winner … which one will be crowned the champ? #recipes via @RudolphFoods https://bit.ly/2f9zIuu https://ctt.ec/bB2Kf
Loaded Shredded Beef Nachos: In a skillet, layer Rudolph's Pork Rinds with shredded beef, black beans, Pico de Gallo and cheddar and pepper jack cheeses. Place in the oven and bake until the cheese is melted. Serve with the toppings of your choice (though we suggest sour cream, jalapeños and guacamole).
Arrange BBQ flavored Nachos in a dish. Top them with pulled pork cheddar cheese and barbeque sauce. Bake in the oven until the cheese is melted. Top them with jalapeños, cilantro and additional barbeque sauce.
Go ahead and grab your rinds and whip up both of these man-sized nacho recipes. Remember, the messier the better. Let us know which one you think deserves to be crowned the champion!
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Posted on: November 9th, 2016 | By: Rudolph's Pork Rinds
Our sixth annual Pork Rind Appreciation Day campaign in partnership with the Gridiron Greats Assistance Fund is officially underway! And this year, it's bigger than ever.
This #PorkRindDay, you could be $2,500 richer. Here's how: https://ow.ly/5oZs3055hYd https://ctt.ec/G45U2
Celebrated on the biggest football day of the year, Super Bowl Sunday, Pork Rind Appreciation Day was cemented as an annual food holiday after you – our trusted pork rind fans – secured hundreds of thousands of votes back in 2010.
Now through the "big game" on February 5, 2017, you're invited to play Guess the Great, our newest memory game, at PorkRindDay.com. There, you can click and flip tiles until you find the tile with a matching Gridiron Great on the reverse side.
Play Guess the Great as many times as you'd like! Each win will queue us to make a donation to the Gridiron Greats Assistance Fund. As well, a portion of the sale of each purchase of all Rudolph Foods' products during the Pork Rind Appreciation Day season, including Southern Recipe, Southern Recipe Small Batch, Pepe's Snacks and Lee's Pig Skins, will support the Gridiron Greats Assistance Fund.
But the biggest news for you? Each game win enters you to win $2,500 and a year's supply of pork rinds from Southern Recipe. Four runners up will also win $500 and free pork rinds! How's that for going big or going home? Play here. Play now. Play often and you could be $2,500 richer by February 5th!
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Posted on: October 28th, 2016 | By: Rudolph's Pork Rinds
Whether you've been hunting on the same plot your whole life or you're exploring some new territory, make this a season to remember. Just remember, when you come home pork rinds make a snack to unwind with and plan your next hunt!
Time to man up! See how we hunt wild boar and other big game! https://ow.ly/QiAGi https://ctt.ec/8az9H
This season, we want to hear: What does hunting season mean to you? One of our very own here at Rudolph's shares why he loves this time of year:
"This year marks the 52nd anniversary I will be going deer hunting with my dad and the 29th year with my kids. We have been hunting on the same lease in south Texas for more than 30 years. As my mom says, we are "making memories".
We hunt about 11,000 acres of some of the finest whitetail country in Texas. We also have over a dozen Asian and African species. We get to share lots of deer, food and campfire stories. My dream hunt? Cape Buffalo. I would love to hunt something so powerful! We have been hunting wild boars with knives for the last ten years or so and I would love to turn it up a notch."
Find us on Facebook or Twitter to share your favorite hunting season memories!
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Posted on: October 21st, 2016 | By: Rudolph's Pork Rinds


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His teaching and research interests are in political sociology and American politics. He has published extensively on Latinos and American politics; his research has focused on Mexican American social movement organizations. He is currently the Director of the Chicano/Latino Studies Program. He published research on political mobilization in South El Paso, Texas, Albuquerque, Los Angeles, Phoenix and several communities in Texas. His latest book, Democratizing Texas Politics: Race, Identity, and Mexican American Empowerment, 1945-2002, was published by the University of Texas Press in 2014. His current project is a book on the Mexican American Legal Defense and Educational Fund (MALDEF).
University Housing Honored Instructor
University Housing Honored Instructor
Race, Ethnicity, and Indigeneity Faculty Fellow, 2014-15, UW-Madison Institute for Research in the Humanities
Alpha Phi Professor Recognition Award, UW-Madison chapter


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The turn-lock closure secures the top while ensuring quick access to your essentials in this simple but chic bag. The strap adjusts for cross-body or shoulder carry, increasing your styling options.
Shipping and Handling Time
FREE SHIPPING FOR ORDERS OVER $75.00. US, UK, EU & AU orders placed with our complimentary shipping option should arrive in 5-10 business days. Others take 7-18 business days.


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DIRECTOR: Roger Spottiswoode
CAST: Luke Treadaway, Ruta Gedmintas, Joanne Froggatt, Anthony Head, Beth Goddard, Darren Evans, Caroline Goodall, Ruth Sheen, Nina Wadia, Franc Ashman, Lorraine Ashbourne
RUNNING TIME: 103 mins
BASICALLY…: A recovering drug addict (Treadaway) finds and befriends a stray cat that he names Bob, and their friendship begins to have positive effects on his life…
Of all the breakthrough tales of life on the streets of London, perhaps one of the more unlikely ones was that of James Bowen and his cat Bob. Their partnership became an instant hit with passers-by and soon that of the rest of the nation, with a bestselling series of books written by Bowen based on his own experiences, and now a feature film based on these books, taking its title from the first book A Street Cat Named Bob.
But is the heart-warming true story represented well enough on the big screen for more people to become interested in its humbling themes of homelessness and addiction? That's for me to write, and for you to read… starting now.
The film tells us the humble origins of this unlikely partnership, and specifically of their unfortunate early circumstances. We first meet Bowen (played by Luke Treadaway) when he was a homeless drug addict, busking in Covent Garden for change from members of the public, and failing to impress his rehabilitation sponsor (Joanne Froggatt) with his inconsistent behaviour. Things change when he is given a residence in a rundown flat, and one night comes across a stray ginger cat that has snuck in through the window. The two soon become inseparable, with the cat – now named Bob – proving to be a hospitable influence with helping Bowen to overcome his addiction, reconnect with his estranged father (Anthony Head), and be a better person than he was before he crossed paths with his new feline friend.
Cat lovers will undoubtedly eat this up, and as more of a cat person myself I can definitely see the appeal. Bob the cat is played by the real-life Bob the cat for a majority of the film, and he has an adorable feline that seems very well trained and even quite the professional actor in certain scenes. Director Roger Spottiswoode has, across his long and extended film career, worked with all types of animals – most notably the Tom Hanks and dog team-up Turner & Hooch – and here brings Bob's on-screen charm to life as efficiently as he did previously, even incorporating several shots from the cat's point-of-view, which at first comes across as rather gimmicky, but becomes more natural as the film goes on. If you are into cats yourself – though perhaps on a more severe level than I am – then this is absolutely your type of catnip.
As for the rest of the film, it's honestly just okay. Nothing more, nothing less, it's just okay. The way that the film is structured is very much like a standard tale of atonement and rehabilitation that a lot of films about recovering drug addicts tend to be, and it hits a lot of very familiar notes that more often than not remind you that you are just watching a film in a cinema rather than experiencing a truly harrowing real-life tale. You have the moment(s) where everything has gone to pot, including a late-second-act "liar revealed" situation, and predictable scenes of mayhem and misunderstandings designed to add more drama for drama's sake, and they just come across as being rather forced. It's understandable, since when you take away the more dramatic moments it's a very lightweight narrative, but even so it doesn't excuse the familiarity of this script and how it rubs off onto the (human) performers, who honestly do fine with what they've been given.
There were a few characters I had problems with – particularly a love interest played by Ruta Gedmintas, who I honestly found to be rather unlikeable with her pretentious habits and irritating free-spiritedness, she was more of a nuisance than actually endearing – but not enough for me to really ruin this movie for me. Mostly, it was just a case of a very familiar script being worked around a story which probably could have been portrayed just a little better, if only for the sake of raising more awareness for its good-natured causes. Topics such as homelessness, drug addiction and even social standards regarding working class citizens or people just looking for alternate means of finding an income – at one point, Bowen and Bob end up working for The Big Issue, an outlet that specifically benefits those types of people – are brought up, but aren't fully examined because it's more interested in a very sub-standard rehabilitation story that we've seen many times before.
I wouldn't say that A Street Cat Named Bob is a complete failure, but it's probably just best to have on in the background while you tend to your cats.
A Street Cat Named Bob is merely an okay representation of a heart-warming true story, relying on way too many familiar plot beats and problematic characters to fully work, and is probably best watched surrounded by your own feline friend.


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E3 2015 Ubisoft Press Conference Live Stream
E3 2015 has arrived and the Ubisoft E3 2015 Briefing is here! Welcome to the E3 2015 Ubisoft Press Conference LIVE streamed right here on YouTube! Join hosts Albert Perkins host of The Weekly Wrap Up and Twitch streamer Justin "SwiftSh0t" Brunelle as they discuss and react to the latest news from Ubisoft at E3 LIVE!


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Kim Kardashian and Kanye Watch Lakers Smash Cavs, Khloe's Ex Tristan Thompson
8:54 AM PT — Sources tell us Kim and Kanye were at the game to support Tristan. There's a video on social media of Kim "boo'ing" Tristan during free throws, but we're told it was simply in good fun. As for their courtside seats, our sources say Kim and Kanye got those independently, they weren't a hookup from TT.
Think Kim Kardashian takes pleasure in watching her sister's ex take an L in public??? HELL YEAH, SHE DOES!
Check out the smiles on Kim and Kanye's faces during the Lakers game Monday night — grinning from ear to ear as LeBron and company put a beatdown on Tristan Thompson's Cleveland Cavaliers in a 128 to 99 shellacking!
Kim even posted a pic of Tristan on the court on her IG.
For the record, Tristan and Khloe Kardashian seem to be on decent terms these days — but with all the drama he put her through, it must still be fun to watch him get wrecked on the court.
There were a TON of stars at Monday's game — from Halsey and Courteney Cox to Judge Mathis and Emily Ratajkowski … even Lily Collins and boxing star Gervonta Davis.
Oh, and if you were worried about how LeBron was feeling after that bout with the flu — he's better!!! In fact, King James dropped 31 points, 8 assists and 2 rebounds in the Lakers win!
The Lakers are currently in 1st place in the Western Conference with a 33-7 record — the hottest team in the NBA.
In fact, it's just like old times at Staples Center — with stars buying up all the seats … even Jack Nicholson was sitting courtside again after taking some time away from his favorite team.
Oh, and if you're wondering why everyone in the front row had pink bags — the Lakers partnered up with clothing brand PrettyLittleThing which hooked up the celebs with free stuff. In exchange, the company made a donation to the Lakers Youth Foundation.
Originally Published — 6:29 AM PT


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If you send your child to daycare of preschool one daunting task most parents don't look forward to is packing school lunches. The problem with sending meals for you child to school or daycare is they typically don't have the means for warming up or reheating their food. So how do you keep from sending the same old boring sandwiches every day? Here are a few fresh ideas I've shared that make lunch time more exciting for kids and packed with the nutrition they need.
Bento Boxes
I had never heard of a bento box before my kids started eating solids. These are really clever ways to serve up sandwiches in a new, untraditional manner that is fun. Mind you they do take some time to prepare and require certain tools which you can buy from Amazon to mold and shape food into fun characters.
There are a number of ways you can prepare these. I turned to Pinterest for ideas that are simple to make without getting to detailed. It's basically taking sandwiches to an art form. You can turn a simple ham and cheese sandwich into a majestic butterfly with sandwich cutters that shape them while cutting it into kid-friendly bite-sizes without the crust. Create various colorful arrays of fruits like grapes (cut in half) and veggies like carrots to make different themes. You can also use small stainless-steel cookie cutters for shaping vegetables like cucumber stars.
Wrap It Up
If you prefer sticking to something simple that doesn't require much creativity wraps are a great way to go. I would prepare these in many different variations which I'll mention three favorites here.
Chicken Sandwich
- Whole wheat tortillas
- Chicken salad
- boiled egg
- Carrots, cut up into cubes or shredded
- Avocado
- Celery, cut up
When I make my chicken salad I add chopped pieces of carrots, celery and a boiled egg and mix them up in my bullet blender but these are completely optional. And instead of cutting up carrots, which can be a little tricky, you could also just add in shredded pieces. I take half of an avocado and mash it in a bowl using a fork then spread it onto the tortilla leaving a little space (apprx 1/2″ to 3/4″) from the edge . Next, spoon the chicken salad on top and spread into an even layer. You can sprinkle extras like shredded carrots or cheese as well. You're going to fold in the edges of the tortilla on the right and left side and fold over by about an inch. Roll it up and cut in half. You can use cute little food picks like those from the bento box ideas to keep the wrap closed until your child is ready to eat.
*You can do this for a tuna fish wrap as well instead of using chicken salad!
Turkey Wrap
- Whole wheat tortilla
- Low-fat plain cream cheese
- Deli cut turkey
- Cucumber – sliced thin
- Carrots – shredded
Start by spreading a thin layer of cream cheese over the tortilla. Add pieces of thinly-sliced turkey (I like to get deli cuts) and add the sliced cucumber and shredded pieces of carrots on top. For the cucumber and the carrots I just use the peeler (after peeling them of course) and make thin slices length-wise along the vegetable for my thin slices. You can also add a layer of other veggies your child may like such as lettuce, spinach leaves, or alfalfa on top. Same as above, I fold in the left and right edges of the tortilla and fold down. For this wrap you will need to spread a thin strip of cream cheese along the tortilla as you roll it up. This helps it stick together better. When you're done you can either cut it in half or into smaller pieces to make pinwheels.
Classic PB & J
I know that some schools don't allow peanut butter to be packed as a lunch because of the risk to children with allergies, however if your school is ok with it then you can pack this up for an easy lunch. Simply mix peanut butter with grape jelly together in a bowl and spread onto the tortilla. You're going to fold in the right and left sides same as previously mentioned and roll the wrap up. I like to add something slightly salty to off set the sweetness of the peanut butter and jelly so I'll add pretzels as a side.
Pasta Salad
If there is one staple that most kids love it's pasta. You can make a healthy lunch for school that is packed full of nutrition and your kids will like. For this you can use pasta shells, elbow macaroni, bowtie pasta or spiral pasta. We like the multi-colored spiral pasta. I will make this the night before as a side to go with supper and pack the leftovers for my daughter's lunch.
- Pasta (cooked and drained)
- Mozzarella cheese
- Peas and carrots (cooked and drained)
- Boiled egg
- Cubed pieces of ham
- Salad dressing
Add your pasta, peas and carrots, cut up pieces of boiled egg, and cubed ham into a large bowl. You can also add in cherry/grape tomatoes cut in half if your child likes them. My daughter won't eat them (yet she'll eat spaghetti in a tomato sauce!) so I just omit them from the recipe. Sprinkle on mozzarella cheese and combine together well. Pack it up with dressing in a separate container for your child to take to lunch the next day without having to worry about preparing their lunch in the morning.
Soups On
During the cooler winter months you can pack a hearty soup in a thermos for your child to take with them to school. A homemade vegetable soup is always a favorite along with some cheese crackers to go with it or classic chicken noodle with some butter crackers. Just make sure you have a good-quality thermos that will keep it warm and seals well. We liked the Thermos Foogo Leak-Proof Jar.
When it comes to packing school lunches these are some kid-friendly favorites they'll like that you will both love.


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Photography can really be a fulfilling recreational activity for you. You will need some knowledge about photography to take pictures properly though. Read this article to get some new ideas and learn the basics of photography.
Don't take pictures that feature a gray, overcast sky if you can help it. Capturing an excess of gray sky in your image can cause your pictures to look washed-out and muted. If you really want or need a shot in overcast conditions, try a black and white picture to maximize contrast and improve the overall picture. A clear blue sky is always lovely in a photo, but adjust your settings to account for bright light.
Truly unique pictures are often the result of trying new ideas and experimenting. That's the best way to develop your own style and allow others to see the world from your perspective. Try your best to not take stereotypical pictures; you want to be as unique as you can. Try new, unique angles, and be creative.
Look at other photographers' work for inspiration. By taking the time to view the art created by other photographers, you will be inspired and reminded of all the different ways a subject can be shown in one single shot.
You want the background to be slightly blurred when taking photographs of people. Having a sharply focused background can detract from your subject matter, making it difficult for any viewers of your photo to focus the way you intend them to. If you put some distance between your background and your subject, it helps viewers focus on the subject of your photograph.
Photography does actually require effort on your part and some research in order to achieve optimized results. Although some of this advice will help you immediately, there are others that you must practice in order to see the best results. Make sure you continue to enjoy your hobby while learning more about it. As long as you remember what you've learned here, you're on the road to becoming a successful photographer.


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They are leaving university owing more than £20,000 each after spending huge sums on Marks & Spencer food, Ipods and flat-screen TVs, it was claimed.
Kevin Sharpe, professor of Renaissance studies at Queen Mary, University of London, said typical student flats were now more like the trendy apartments seen in Friends, the Manhattan-based sitcom, than grimy bed-sits from The Young Ones.
The comments were branded "extraordinary" by the National Union of Students.
It follows concerns that students are being saddled with decades of debt following an increase in university tuition fees coupled with a significant rise in the cost of accommodation.
But Prof Sharpe said too many students lived an "upper-middle-class lifestyle" that they could not afford.
"In the town where I live at weekends, students pour not from Aldi but from Waitrose, with bottles of wine and champagne as well as bottled water, expensive foods and snacks," he said. "Taxi drivers lament the vacations, when their trade is depressed and whole parts of the city lose their bar and restaurant customers (I can hardly remember going out for dinner as a student).
"Student homes are often equipped with large LCD TVs, Sky boxes and, as burglars have been quick to spot, several high-end laptops per dwelling, offering richer pickings than normal domestic residences."
He added: "I queue behind students who often spend more than £5 on a snack lunch at Marks & Spencer before boarding the bus. On the journey to campus, some are plugged into the latest and fanciest iPods, while many more spend the half-hour on mobile calls at peak times."
Research suggests that the average student already leaves with debts of up to £23,000, although some analysts claim the figure could be as high as £40,000.
It is feared debt levels will rise in the future. Ministers are about to launch an independent review of the student loans system and tuition fees. Vice-chancellors are pressing for a significant increase in the existing £3,200-a-year fee.
A study last month by the Confederation of British Industry recommended hitting undergraduates with a "triple whammy" of significantly higher fees, more expensive loans and an increasingly stringent system of grants.
But writing in Times Higher Education magazine, Prof Sharpe insisted that many students did not help the situation by squandering money on "a luxurious lifestyle".
He said the old-fashioned stereotype of students living in houses "held together by accumulated grim" had been replaced by "posh pads".
He added: "While for many that is doubtless ?nanced by the bank of mum and dad, for those less well off but understandably anxious to keep up with their peers, the inevitable consequence is debt – and substantial debt at that."
Wes Streeting, NUS president, said: "I think it is frankly extraordinary that he's under the impression that students are graduating with £23,000 debts because they're spending their time quaffing champagne and living luxurious lifestyles.
"The fact of the matter is that the vast majority of students are having to work longer hours in low paid jobs or dip in to already overstretched family finances just to get by. This is not a good time for students on campus and I think Professor Sharpe needs a reality check."


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About Michaela Uren
With over 10 years of experience in work-based hospitality training, Michaela is extremely well known in the ACT hospitality industry. She has built up long and lasting relationships with many local hospitality establishments. Michaela knows how to get the best out of her students. She is very approachable, caring and considerate and will do everything in her power to improve the learning and education outcomes for her students.
Michaela has an excellent understanding of training packages and how they should be interpreted and applied in the workplace. She is a true Vocational Education and Training professional, committed to quality, continuous improvement and achieving positive outcomes for all stakeholders.
Michaela can be contacted through the contact us portal on this website.


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Campaign Case Statement
This piece tells the story of amazing things happening at UWM and lists opportunities to support our student success, research excellence, and community engagement.
College of Engineering & Applied Science
With more than 100 corporations actively recruiting our engineering and computer science students for internships, co-ops, and full-time employment, UWM has become a driver of economic vitality for our region and beyond.
College of Health Sciences
A national leader in educating health professionals and conducting research, the College of Health Sciences is a vital resource for our region's health care industry.
College of Letters & Science
Nearly every UWM student, regardless of major, takes classes in the College of Letters & Science. Home to the university's liberal arts disciplines, the College of Letters & Science is at the core of UWM.
College of Nursing
UWM educates more nursing students than any other nursing school in the state, and we consistently rank in the top 10 percent of graduate nursing programs in the U.S. Read how donors are helping to keep this program strong.
Freshwater Research Vessel
It's time to replace our 63-year-old Neeskay with a new research vessel and floating classroom specifically designed for our region's most important water resource.
Helen Bader School of Social Welfare
Our students have a passion for service and a dream of making a difference in the lives of individuals and in their communities. Support for the Helen Bader School of Social welfare helps our alumni, faculty, and students make their mark on the world by addressing some of society's most pressing issues.
Honors College
Outstanding students from each of UWM's undergraduate schools have found a home within the Honors College. Support for this program gives our most exceptional students the tools they need to realize their incredible potential.
Lubar Entrepreneurship Center
Entrepreneurial thinking is critical to a healthy economy. Read how UWM is leading the way by creating strong business partnerships and encouraging student engagement in innovation and entrepreneurship.
Lubar School of Business
UWM educates more business students than any other school in Wisconsin. Read why business leaders and alumni are passionate about preserving the school's role as a pipeline for talent.
Milwaukee Athletics
The success of UWM's Athletics program brings recognition to the entire university at the local, state, and national levels. Learn why our donors believe support for Athletics is critically important to the health of UWM.
Peck School of the Arts
As Wisconsin's only comprehensive arts school, the Peck School of the Arts is an amazing cultural resource for students and the community. Learn why this school is making student success its number-one priority of this campaign.
Scholarships are vitally important to the success of our students. This brochure paints a picture of the financial need of UWM students and shines a spotlight on two alumni who have benefited from scholarship support.
School of Architecture & Urban Planning
Our students, alumni, and faculty are literally shaping Milwaukee and neighborhoods throughout the world. Learn how donor support is taking this school's excellent programs to new levels.
School of Education
Our focus on urban education grounds students in the theory and practice of helping youth overcome achievement gaps and educational disparities. Donor support provides our students with opportunities, advances our research, and builds community partnerships.
School of Freshwater Sciences
The School of Freshwater Sciences is working diligently to protect our world's most important asset. Donors are helping this happen through their support for students, faculty, programs, and more.
School of Information Studies
The School of Information Studies is on a mission to advance knowledge and prepare students from diverse backgrounds to be successful information professionals. Read how the school is empowering a new generation to disseminate knowledge and share ideas.
UWM Facts and Impact – 2016
Did you know that nearly 40% of UWM undergraduates are first-generation college students? The data presented in UWM Facts and Impact – 2016 might surprise you.
UWM Libraries
With 5.4 million cataloged items, the UWM Libraries support every one of the university's colleges, schools, institutes, and centers. The Libraries play a critical role in research at UWM, and support for this area benefits the entire UWM community.


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About DADA stores
DADA stores is the retail division of Design And Dream Arts (DADA) Enterprises, established in 2011. We engage in the production and retail of books, arts and crafts, gift and personal items. We offer quality craftsmanship through unique designing and production of affordable eco-friendly and ethnic items such as bags, wallets, clutches, bangles, mats, pen holders etc. using eco-friendly and ethnic materials, available for personal use or promotional purposes.
DADA Stores also engages in sales events, promotions, marketing communications and other activities geared at filling the retail gap in cultural production and creative enterprise.
Established in 2008, DADA is an enterprise with interests in film, publishing and other related media, promoting research and development in design and the arts, advancing creative production along innovative lines and bringing more Nigerian artists and designers and their works to global reckoning.
Our publishing imprint (DADA books) publishes literary titles while our design consultancy (DADA studios) offers design solutions in architecture, set design and graphic design....welcome to our world!


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David Anzueto
Vice President
571-437-4625 mobile
703-883-9582 office
703-564-4672 fax
About David
David will provide to you:
- Customized print-outs detailing your Closing Costs and Mortgage Payments
- Competitive and innovative financing products tailored to meet your specific needs
- Best in Class Processing, Underwriting and Closing all done in our office
- Prompt responses with knowledgeable service utilizing our technology to have your loan approved as quickly as possible
- Personalized service offered anytime and any day of the week
David specializes in all areas of Mortgage Finance:
- Jumbo
- Conventional
- VA and FHA
- Low down payment options (VHDA/USDA)
- Bridge and Construction
Most of his business is generated from referrals from realtors, the building community and past clients; he is constantly motivated to make every transaction a smooth one by offering personalized financing in a fast and accurate manner.
Call anytime to discuss any options and receive estimates detailing financing alternatives.
Mortgage Calculator
Tysons Office8444 Westpark Drive
The Fourth Floor
McLean, VA 22102


text: Entertainment Lake Mainstay's 8th annual Car & Bike Show and After Party set for April 15 March 31, 2017 All roads will lead to Lake Mainstay resort, Mainstay/Whyaka Village, Essequibo, for its 8th annual Car and Bike Show and After Party on April 15. The event, which has been quite a success every year, is expected to be bigger and better with a number of categories added. This year, vehicles will compete in 18 categories in five groups. In the Overall group, judging will be done for the best car, best SUV/bus, best bike (small) and best superbike. In the Artwork group, prizes will be given for the best car, bus/SUV and best bike, while in the Auto Internal group, prizes will be awarded for the best sound car, best sound SUV/bus, loudest sound car and loudest sound SUV/bus. There will also be the Audio External group which will determine the best and loudest sound among the cars, SUVs and buses. The final group will be the Extreme Sound and will determine best sound, loudest sound and classis. However after the judging, there will be the after party with Pream's Mega Sounds. Other attractions include food courts and beverage bars along with a children's fun park. Registration fees for each category will cost $4000 and can be uplifted at Lake Mainstay Resort Offices – Georgetown and Essequibo; Gutty's Variety Stall – Charity; G&P Jaigobin and Sons Supermarket – Henrietta; Cellular Plus Store – Anna Regina; Anil Cellphone Store – Anna Regina Market; Derick Photocopy Shop – Anna Regina Post Office and Universal Pharmacy – Suddie. The registrationform can also be downloaded from the resort's facebook page @ www.facebook.com/lakemainstay. Registration closes on April 12. Over $1 million in cash prizes and trophies will be up for grabs. Admission to the event cost $1000 and $500 for children under 10 years old. Gates open at 16:00h but the action starts at 18:00h. The event is sponsored by Castrol Oil, Banks Beer and Stag Beer.


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Items where Person is "O'Neill-P"
Group by: Date | Item Type | First Author | No Grouping
Jump to: 2006
Number of items: 1.
O'Neill, Patrick and Rothemund, Paul W. K. and Kumar, Ashish et al. (2006) Sturdier DNA nanotubes via ligation. Nano Letters, 6 (7). pp. 1379-1383. ISSN 1530-6984. https://resolver.caltech.edu/CaltechAUTHORS:20111021-085304090


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As I sit in my cubicle, wearing a dark green t-shirt that I picked exclusively for Earth Day, my green tea mug, placed towards the left of my table, offering the fresh aroma of Basil, I am reminded of my school days, where we planted trees and plants around the campus on this special day. Taking an oath to save and serve Mother Earth and to keep it clean; and going around creating awareness about its importance in our neighbourhood and amongst the people we meet. Oh! How excited we used be, how responsible we felt, the Saviour of the World types, you know. But then, time started to fly and it took away many of our dreams and thoughts along with it. We all began to focus on our careers, on our personal lives and making preparation for making our tomorrow bright; gradually our childhood ideologies and principles were replaced by hectic schedules and unhealthy life. The great pride that we took in of assuming ourselves as World Saviours was replaced by the stress of performing well in our future assignments, which could be grand meeting. Where have we flown to? Why are we unable to reach the shore no matter how hard we swim or sail? Do you think cutting ourselves from nature has resulted in this? Well, in the deepest corners of my heart, I believe so.
Do you remember Teacher's Day, when we carried gifts to school for our beloved teacher and on our way we would pick a beautiful flower for her as a complimentary gift? And we can recall the happiness on our favourite teacher's face when we handed over her the gift? She would accept the gift and always say the same thing, "Thank you, but you shouldn't have got the gift; the flower is more than enough". We didn't realize it then but today it makes complete sense; nature is the perfect example of care, love and sacrifice. It is diverse, it is versatile and it is caring. We may have ignored nature in leading our modern ways of life but nature has stayed determined and made its presence known everywhere; be it flowers that we present to our beloved ones or a trip that we wish to embark on in order to clear our head. Nature has always remained close; we only have been too ignorant.
Our Earth today is depleting, bleeding from the scars of careless industry operations, global warming, population increase, deforestation and the usage of polythenes but what is hurting it the most is our ignorance and our selfishness. We seem to have lost our sense of responsibility when it comes to differentiating between need and greed. Yes, WWF and other organizations are certainly working to save our environment but the task is impossible until and unless each one of us consider saving the environment as our responsibility. We certainly have too many issues in our lives to resolve but what we need to understand is that NO Earth means NO Life, which means if we do not have any planet to live on, then everything that we do is in vain and is vague. It is because we are certain that we shall see tomorrow then only we can hope for it to be a better one.
So, let us take an oath today, just like the one we took in our school days (only this time we will not let them be replaced by other things) that we will do our bit to protect our Mother Earth. Just like charity begins at home, so does our mission to save our planet will begin from our own home. Let us reduce the use of polythenes and let us promote recycling. Keep the surroundings clean and save electricity as much as possible. On this Earth Day 2015, let us give our Earth a hope for better tomorrow. REMEMBER: NO EARTH means NO LIFE!


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The seventh regular season editions of the USA Today Coaches' Poll and Associated Press Top 25 were released on Sunday with the Alabama Crimson Tide remaining the No. 1-ranked team in the country in both polls. Alabama received 58-of-62 first-place votes from the coaches and picked up 55-of-60 first-place votes from the AP voters.
The Florida Gators (4-2, 3-1 SEC), fresh off a tough 17-6 road loss at LSU, fell five spots in both polls. The Gators were listed at No. 22 in both the USA Today rankings and AP top 25. Florida checked in with 240 (-354) and 249 points (-287), losing major ground in the respective rankings.[table "23" not found /]
UF's 2013 opponents in italics.
This Week 1-5: Alabama (58), Oregon (3), Ohio State, Clemson (1), Florida State
6-10: Louisville, Texas A&M, LSU, South Carolina, UCLA
11-15: Miami, Baylor, Stanford, Missouri, Texas Tech
16-20: Georgia, Oklahoma State, Oklahoma, Fresno State, Virginia Tech
21-25: Nebraska, Florida, Northern Illinois, Michigan, Washington
Last Week 1-5: Alabama (57), Oregon (6), Ohio State, Clemson (1), Stanford
6-10: Florida State, Georgia, Louisville, Texas A&M, Oklahoma
11-15: LSU, South Carolina, UCLA, Miami, Baylor
16-20: Michigan, Florida, Northwestern, Washington, Oklahoma State
21-25: Texas Tech, Fresno State, Northern Illinois, Nebraska, Virginia Tech
This Week 1-5: Alabama (55), Oregon (5), Clemson, Ohio State, Florida State
6-10: LSU, Texas A&M, Louisville, UCLA, Miami
11-15: South Carolina, Baylor, Stanford, Missouri, Georgia
16-20: Texas Tech, Fresno State, Oklahoma, Virginia Tech, Washington
21-25: Oklahoma State, Florida, Northern Illinois, Wisconsin
Last Week 1-5: Alabama (55), Oregon (5), Clemson (3), Ohio State, Stanford
6-10: Florida State, Georgia, Louisville, Texas A&M, LSU
11-15: UCLA, Oklahoma, Miami, South Carolina, Baylor
16-20: Washington, Florida, Michigan, Northwestern, Texas Tech
21-25: Fresno State, Oklahoma State, Northern Illinois, Virginia Tech, Missouri
we are over rated at 22.
We've lost to a top 15 and a top 10 team on the road. I'm comfortable with #22. This weekend will decide if we can hover in the rankings or if we drop out.
Seems about right…
Wow, SEC love to keep us ranked at all…
We are a top 25 team easy


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Will you top the list?
It's that time of year to pull out your financial figures and prepare them for the annual Top 100 consultancy survey.
The survey is an annual trawl of the design community's financial performance resulting in a listing of UK design groups according to their fee-income.
After a couple of years in the doldrums, last years results were rattled by the recession with an unprecedented reluctance to enter from many groups within the design industry. This year will hopefully show that the industry's fortunes have been restored, with a number of groups in the 2010 survey predicting an increase of 20 per cent or more.
We want the design industry to be out and proud about their success, therefore it is open to all consultancies including UK groups with offices overseas. Completed entry forms need to be accompanied by an independent auditors statement, signed off by a consultancy director and sent via email to firstname.lastname@example.com. The deadline for submission for the 2011 survey is Wednesday 2 March.
To download the form, please click here.
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Good application performance, Good maintenance and upgrade options
All metal construction is lightweight, durable, and suitably stylish
Affordable price, Good preinstalled software
Good screen and input ergonomics
Solid, affordable business laptop
Good performance for price, Multiple color options
Above Average Hard Drive Capacity, Better Integrated Graphics
Good performance, Graphics power
Good mix of performance as well as value-for-money
Simple and elegant design
Comfortable keyboard and touchpad
A sturdy, versatile laptop
Advanced security features
Spill proof keyboard, Touchpad can be disabled
High performance, Ample RAM, Not very power hungry
Decent battery life, Large touchpad
Good performance for the price
Very affordable price point
'the HP Pavilion dm4-1060us is great for most people, you can use it to do anything you want, and it is also very convenient to take it anywhere with you, so you won't miss a thing, even during the journey.'
'Lightest in its class.'
'The brushed aluminium surface is also scratch resistant and can withstand a few knocks, which is perfect for regular commuters.'
'1366 x 768-resolution display is plenty bright, yet incredibly glossy.'
Intel Core i3 processor
Appealing design with different color options to fit various tastes
ReviewGist helps you find the best products to buy by making sense of online reviews.
We are currently aggregating 376,500 reviews
covering over 29,474 products.
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LINTHICUM, Md. (WJZ) — We all know the feeling: the frantic search for something lost.
As Alex DeMetrick reports, when it comes to traveling, a lot of it gets found by the TSA.
At the TSA checkpoint at BWI-Marshall, people lose things every day.
"Laptops are surprisingly common, and cell phones. Here's one with a big screen. Here's a flip top. Here's another one with a big screen. Here's an iPhone," said Lisa Farbstein, TSA spokesperson.
And there are trays of keys, one for each day of the month.
"Licenses, IDs, credit cars, Social Security cards," said Farbstein.
Almost all the items are found left inside the bins people use at the X-ray stations.
TSA officers who find the items say there's a common reason.
"Most of the time they're in a hurry and they just forget that they took their ring or their watch off and left it in a bin," said Ron Hill, TSA officer.
But what about canes and walkers?
"It is kind of baffling. How does someone use one of these to get to a checkpoint and suddenly didn't need it when they're leaving?" said Farbstein.
Whatever is found at a checkpoint — regardless of value — is stored at TSA's lost and found at the airport and kept for 30 days.
If an item has identification attached, say a business card in a laptap or a driver's license, TSA will try to contact the person.
Neil Peters reclaimed his license on his own after he discovered it missing.
"I found out I lost it when I tried to check in at the hotel and didn't have it anymore. And I figured I must have left it at the TSA checkpoint," Peters said.
If property isn't reclaimed after 30 days, it goes to a facility in Virginia where it is eventually sold or junked.
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