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You're more than just a landlord. Consider landlord and rental property insurance.
Landlord and rental property insurance to protect your assets and your future.
Properties can vary greatly in many ways, so an off-the-shelf rental property insurance package won't likely be the right fit. Your location, building specifics, and the number of dwelling units all may factor into your insurance policies. It's important to understand the unique nature of your risks based on the type of property you are insuring.
Their rent is your income.
Even with the most thorough credit and background checks, a tenant can default on their rent. YouIt can take months or longer to take the legal action necessary to remove them and secure a new tenant. The whole time, however, you'll still need to make your mortgage payments.
Consider landlord an insurance for your rental property policy that protects you if your resident defaults, dies, or is deployed, and cannot or does not pay their rent. Such a policy may also cover legal fees related to eviction proceedings.
Click it. Read it. Cover it.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
As with any building you rent out, you face risks like fire, lightning, wind and more, but if you have a single-family property like a house or a duplex you're renting out, your coverage needs are different from those who rent out condos or own large apartment buildings.
Rental dwelling insurance provides the coverage you need for renting out a single-family structure like a house or duplex. This coverage provides protection from losses caused by fire, lightning, wind, hail, and more to the structure of your dwelling, as well as anything permanently affixed to the dwelling like kitchen cabinets, bathtubs, and more. This can also cover other structures on the property such as detached garages, barns, and sheds.
You own a condo or an apartment in a large building that you want to rent out. You may not be responsible for insuring the entire building and the rest of its units, but you are responsible for insuring your own. You'll need the right coverage to protect yourself from financial losses caused by covered damage to your unit.
Fire, wind, hail, lightning, and more all pose a threat to condos and apartments, which is why having building property coverage for individual units in an apartment or condo building is important. This can cover the costs of repair and replacement to your unit if damage is caused by a covered event.
You own an apartment or condo building, and you're renting the units out to families and individuals alike. Your property risks are similar to someone renting out a single unit or a single-family home, but your coverage needs are much different. While you face fire, lightning, wind, and more, you may need higher limits due to the nature of having a building full of units.
Apartment/condo building property coverage is key to protecting your building and your units. This coverage not only protects the building itself from covered perils, but it also protects other structures you may own on the premise—this can include swimming pools, parking garages, maintenance buildings, fences, and more.
What if you live in your home and you want to rent out a spare room or the in-law suite above your garage? In many cases, a standard homeowners policy does not cover home-sharing. And because you live in your home most of the time, you don't qualify for a landlord policy. The coverage you can get through a rental app platform is also probably inadequate. If someone is hurt or the property is damaged, you could be left with high out-of-pocket costs.
Home-sharing coverage often provides a combination of property and liability protection for people who share their homes, both as short-term rentals and long-term rentals. However, in most cases, this coverage is only offered for spaces located in primary residences. If you're renting out a secondary home, you may need different coverage.
As a landlord, you want to make life easier on your tenants to encourage them to stay. That might mean providing a lawnmower or snowblower so they don't have to purchase one or even furnishing the space. What happens if that property gets damaged? Without the right coverage, you could be faced with replacing it on your own.
It's important to have personal property coverage if you leave any major property behind for your tenants to use. Whether it's property rented with the unit or left to be used in its maintenance, this coverage can protect you financially in the event of covered damage.
Fire is a covered peril in your property coverage which means your repairs to your property are covered, but what about your rental income? If your property is uninhabitable while repairs are underway, that could mean months of lost income because you can't rent out your property.
Lost rental income, also known as loss of use, coverage can help provide financial protection for you if your rental property becomes uninhabitable due to a covered loss through temporary rent reimbursement. Usually, this policy will have a designated time frame during which the reimbursements are provided.
Lawsuits are costly, and just about any accident can set one off. Real or unfounded, the costs of defending yourself in a liability suit and potentially paying damages can be steep and leave you in financial trouble.
Having comprehensive landlord liability insurance can help protect you in the event you are sued due to an accident that occurred on your rental property. It can help cover the costs of your defense, and in the worst case, possibly help cover damage payout. This coverage may also cover suits related to wrongful eviction, depending on your policy.
On average, it's estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, you can limit the costs of defending a legal claim with proper insurance coverage.
If you employ anyone—from property managers to maintenance workers to landscapers and more—obtain employment practice liability insurance (EPLI) to protect your business from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment.
There's always a risk when renting out your property that tenants will stop paying their rent. The eviction process can be a lengthy and costly one, all the while you're losing out on rental income because your current tenant won't or can't pay.
Some insurance companies offer coverage for guaranteed income. Similar to loss of rental income insurance, guaranteed income provides rent reimbursements in the event that a tenant stops making their rent payment.
As a landlord, you have a responsibility to your tenants. If they encounter an emergency, such as being locked out of the property or an urgent maintenance issue, you need to be there to help. If you are your own maintenance person or you're running your rental property on the side, it could mean dropping everything to go help your tenant.
Emergency coverage can help you if you find yourself in a situation where you have to suddenly go help a tenant. These policies can cover most, if not all, of the costs related to traveling to your property and resolving your tenant's issue.
Your rental property has been damaged and it just seems like one thing after another when it comes to the repair. You've just learned that not only do you have to fix the property, you also have to upgrade it to meet new building codes that were put into place after your structure was built—and these upgrades could cost more than you anticipated.
If you're informed during a repair of your property that you need to bring your building up to code, ordinance and law coverage can help cover the associated expenses. Even if your property was to code when it was constructed, building codes can change. Therefore, it's important to consider this coverage in the event your property does get damaged.
If there's one word landlords fear more than others, it's eviction. When a tenant stops paying their rent, you may have no choice but to evict them. It's a long process though, and it's often costly as well. The costs of attorney fees, filing fees, and more can add up fast.
Eviction insurance can help you cover the costs associated with the eviction process. It can cover things such as attorney fees, court fees, filing fees, and more. Similar to guaranteed income insurance, some policies may also cover the amount of your tenant's missing rent payments.
If you own an apartment or condo building, condo, or a single-family home, it's possible that your property could be vacant for an extended period of time—whether that's because of renovations or a transition between tenants. Your normal property insurance may not cover your building while it's vacant, which could leave you in a tricky financial situation if damage were to happen to your property.
If you know your rental property will be uninhabited for some time, it's important to find out if it will be covered under your existing policies. If not, consider obtaining a vacant property policy to cover you until a tenant moves in.
The forces of nature are strong, and you know what kind of damage they can do to a property. From floods to hurricanes to earthquakes, it's important to have the right coverage in place in case you face a loss due to these perils.
If your rental property is located in an area prone to natural disasters, be sure to look into specific natural disaster insurance coverage as they often aren't covered by your standard property insurance policy. Some insurance companies offer bundled coverage for natural disasters while others offer individual policies for flood insurance, hurricane insurance, earthquake insurance, and more.
Damage to your property is usually an accident, but sometimes it's intentional—and not all property insurance policies cover vandalism. That means you could be paying the costs to repair your property out of pocket.
Check your property insurance policy to see if it covers losses from vandalism. If not, consider investing in vandalism coverage to provide financial protection for yourself and your property.
Your rental property was damaged, but now it's repaired and ready for your tenants to move back in. This can be a costly process, so it's important to make sure you aren't on the hook for the expenses.
Tenant move back covers the costs of moving your tenants back into your building who were forced to relocate from your rental property after it was made uninhabitable due to a covered peril. This coverage often works in tandem with your rental property and loss of rental income insurance policies.
The equipment required to run a rental property and make it comfortable is often large and expensive, especially if you're running a condo or apartment building. Mechanical appliances like water heaters, boilers, and HVAC systems can run you a pretty penny in repair and replacement if they break down.
More often than not, rental property insurance doesn't cover the breakdown of large equipment like HVAC systems, boilers, hot water heaters, and more. If that's the case with your policy, consider looking into equipment breakdown coverage. This coverage provides financial protection for losses associated with the damaged equipment and can help cover the costs of repairing or replacing it.
Is your property covered when no one lives there?
From time to time, your rental property may be vacant. This could be due to tenant transition or renovations. Regardless of the reason, you need to make sure the property is covered appropriately.
If you know your rental property will be uninhabited for some time, it's important to find out if it will be covered under your existing rental property insurance policies. If not, consider obtaining a vacant property policy to cover you until a tenant moves in.
How much does rental property insurance cost?
The cost of coverage may vary depending on a variety of factors. Insurance for a rental property costs, include the size of your building, locate on, when it was constructed, and the types of possible risks in your region.
Why do you need insurance for rental property as a landlord?
Rental property insurance goes beyond what home insurance can offer. Insurance for landlords which is especially important for liability issues when renting out your property to others.
Your rental property itself requires specialized coverage.
Of course, you'll need to insure your building. But, to really be protected, you must be sure to consider each of your options. If your property needs extensive repairs or a full rebuild after a covered loss, you'll want to have coverage. This could includes the additional cost of making sure it's up to the current building codes.
Most business owners and rental property insurance policies won't provide coverage in case of a flood., Landlords may need to considerso flood insurance separately. If your property is in an area prone to hurricanes or earthquakes, you may wish to obtain these policies as well.
Finally, you should also insure against common business concerns, such as employment practices liability, cyber liability, and more.
To review your rental property insurance needs and to learn more about your coverage options, contact us. Fill out the form below to get a landlord insurance quote today.
Get Started Today
As an independent agency, we are here to help you find the right Landlord and Rental Property Insurance coverage.
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Pink Glitter Flowers - Sugar Free Kosher Certified Edible Decoration
Product Code : 0960
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Product Life : 18 months
Storage :
Store in a cool and dry place. Avoid high temperatures, humidity , sunlight exposure, chemicals and strong odors.Must be kept on pallets and never be in direct contact with the floor and/or walls.
Edible Pink Glitter Flowers
You will fall in love with these super tiny edible GLITTER flowers ! metallic PINK, 6 mm size,How could something so small add so much magic to your delicious desserts and Drink.
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text: May 16 – Shaman Drumming: on Thursday, May 16 at 6:30 PM, Shaman Drumming at Books, ETC. Reverend Beverly Owen will lead participants in drumming and finding their animal guide. She will also lead in a meditation. Come and enjoy this special "magic." This group is free and open to the public at Books, ETC. 78 W. Main St., Macedon NY. For more information call John Cieslinski at 585-474-4116 or email email@example.com.


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This section contains 421 words (approx. 2 pages at 300 words per page) |
Beacham's Encyclopedia of Popular Fiction
Kirk H. Beetz, Ph.D.
Cover Design
Amanda Mott
Cover Art is "Pierrot," 1947, by William Baziotes Oil on Canvas, 42 1/8 x 36 Donated by the Alisa Mellon Bruce Fund, ©, 1996 Reproduced with Permission from the Board of Trustees, National Gallery of Art, Washington, D.C.
Library of Congress Cataloging-in-Publication Data Beacham's Encyclopedia of Popular Fiction
Includes bibliographical references and index
Summary: A multi-volume compilation of analytical essays on and study activities for the works of authors of popular fiction. Includes biography data, publishing history, and resources for the author of each analyzed work.
ISBN 0-933833-41-5 (Volumes 1-3, Biography Series)
ISBN 0-933833-42-3 (Volumes 1-8, Analyses Series)
ISBN 0-933833-38-5 (Entire set, 11 volumes)
1. Popular literatureBio-bibliography. 2. Fiction19th centuryBio-bibliography. 3. Fiction20th centuryBio-bibliography. I. Beetz, Kirk H., 1952-
Z6514.P7B43 1996[PN56.P55]809.3dc20 96-20771 CIP
Copyright ©...
This section contains 421 words (approx. 2 pages at 300 words per page) |


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Monday, October 5, 2009
Barmbrack - Irish Halloween Bread - Blue Monday
The landmark Campanile, Trinity College Dublin. The college, established in 1592, is home to scholars and men of letters some famous, some forgotten. Among the blessed are Jonathan Swift, Oliver Goldsmith, Oscar Wilde and Samuel Beckett. Trinity College has a deservedly proud heritage. While it's not well known, the Irish, including some matriculating at Trinity, revel in the celebration of Somhain, a Halloween festival that includes a parade and boisterous bonhomie to mark the end of summer and All Saint's Eve. All holidays have special trappings and this one is no exception. The zealous celebrate with costumes and special food. Some of the foods associated with the Somhain are colcannon, a potato dish, and barmbrack, a confection sweeter than a bread but less rich than cake.
Both Van Morrison and James Joyce mention barmbrack, a yeasted sweet bread that's traditionally served on Halloween in Ireland. The Irish sometimes called it Báirín (top) Breac (dirty or speckled). Years ago the yeast to raise the bread dough was skimmed from the top of a vat of fermenting beer, the Bairin. The dried fruit was the Breac. It is the custom in Ireland to place trinkets into the bread dough. The charms determine if luck in the coming year will be good or bad. If a pea is found, the finder will not marry. If a coin is found, good fortune and wealth can be anticipated. A small stick indicates a bad or violent marriage, a piece of cloth poverty and a ring an impending marriage. Some cakes contain all these objects and fate is determined by what's in the slice of cake you receive. For the superstitious it's not unlike a crap shoot. Like many women, I seed my bread in such a way that only good luck is bestowed on any who are at my table. The bread is not difficult to make and I'm a bit surprised that the tradition has faded in so many Irish-American families. Soda bread is still made for St.Patrick's day but there are precious few families that still make barmbrack for Halloween. I have a pointer that will make your bread exceptional. In Ireland, the raisins and currants are steeped in tea for 24 hours before baking. At Chez Mary, they bathe in Jameson's Irish Whiskey. I have the happiest raisins in the Pacific Northwest. This is a lovely sweet bread. I hope you'll try it. Here's the recipe.
Irish Barmbrack...from the kitchen of One Perfect Bite
1 cup milk
4-1/2 teaspoons active dry yeast
1/2 cup warm water
4 cups all-purpose flour, sifted, divided use
3/4 cup granulated sugar
3 teaspoons salt
1 teaspoon ground allspice
1/3 cup butter, room temperature
1/2 cup currants
3/4 cup seedless raisins
1/2 cup candied lemon peel
2 tablespoons sugar
1 tablespoon water
1) Scald the milk or heat it on HIGH power for 1 minute in a microwave oven. Sprinkle yeast over warm water in a small bowl. Let sit for 5 minutes to soften.
2) In the bowl of an electric mixer, combine 2 cups sifted flour, sugar, salt and allspice. Whisk to combine. Add yeast, milk and butter. Beat with paddle attachment for 2 minutes at medium speed. Cover and let sit in a warm spot for 30 minutes. When it has doubled in size, add 1 cup of reserved flour and beat with electric mixer on low speed until flour is well blended, about 1 minute. Repeat with the last cup of flour.
3) Turn onto a lightly floured work surface. Knead for 8 minutes, gradually working in currants, raisins and lemon peel. Place dough in a greased bowl, cover and allow to rise until double in bulk, about 90 minutes. Punch dough down. If you wish to add trinkets to dough, add them now. Shape the dough into a round loaf and set it on a greased baking sheet. Cover and let rise again until double in bulk, about 90 minutes.
4) Preheat oven to 350 degrees F. Bake loaf for 45 to 50 minutes. Combine sugar with water and brush over loaf. Cook for an additional 5 minutes. Remove from oven. Let sit for 5 minutes before transferring to a wire rack to cool. Yield: 1 loaf.
This post is being linked to:
Smiling Sally - Blue Monday
Wild Yeast - Yeast Spotting
49 comments :
- The Quintessential Magpie said...
Lovely post, Mary, and while I love the blue skies, my magpie eye has fallen on that bread! Oh, it looks divine and so cute against that blue check cloth.
Sheila :-) - October 5, 2009 at 1:09 AM
- Unknown said...
1592 - there could be a few spirits hanging around that lovely old spot. Wow that bread looks like another "perfect bite" and I love the story.
Happy Twirls - October 5, 2009 at 1:54 AM
- Deborah said...
The bread looks wonderful and I sure could use some good luck around here.
- October 5, 2009 at 5:24 AM
- Hootin Anni said...
That one photo of the tower framed in the arch is just stupendous. So pretty, and calming and serene.
- October 5, 2009 at 5:45 AM
- Kat said...
I love this post Mary! My grandmother used to make this and I could not for the life of me remember what it was called. I'm not too handy with yeast breads, but this looks relatively simple. Thanks so much for bringing back some wonderful memories. Kathy
- October 5, 2009 at 6:06 AM
- My Little Space said...
Such a lovely bake, Mary! Juz perfect for the coming Halloween festive season.
- October 5, 2009 at 6:13 AM
- Cindy said...
Boy that looks good. Nice post.
cindy - October 5, 2009 at 7:33 AM
Good morning Mary, I had never heard of Barmbrack bread until now. I am so excited to share this wonderful tradition with my family. What kinds of trinkets do you use? Thank you so much for this recipe and for sharing the tradition with all of us. Happy Blue Monday ♥
- October 5, 2009 at 7:34 AM
- bj said...
I always love the info or stories you tell us ....this one, too.
The bread looks marvelous and so pretty with the blue.
Your lovely mosaic would be perfect at Mosaic Monday at the Little Red House... - October 5, 2009 at 7:51 AM
- Inspired by eRecipeCards said...
a beautiful bread and thanks for the excellent stories behind the recipe.
- October 5, 2009 at 8:40 AM
- Chocolate Shavings said...
That bread looks so yummy!
- October 5, 2009 at 8:53 AM
- SmilingSally said...
You've brought some interesting facts along with your BLUES to show us today. I like the idea of placing only "good" items inside the bread. Happy Blue Monday.
- October 5, 2009 at 9:08 AM
- Selba said...
What a lovely bread being served during halloween in Ireland. Good to know it :)
- October 5, 2009 at 9:11 AM
- Knitty said...
Hmmm, Australian goodies yesterday, Irish today. Are you trying to spread the calories around the world for us? They will all end up my hips anyway you know. :)
- October 5, 2009 at 9:19 AM
- Boo-Bah AKA Iris said...
The bread looks wonderful. I think fresh break baking in the oven makes the kitchen smell heavenly.
Thank you for visiting my Blue Monday post.
Iris - October 5, 2009 at 10:01 AM
- LV said...
I am going to have stop visiting your post. You are killing me with all that great food and I cannot have any. I visit just to see what you have prepared for the day.
- October 5, 2009 at 10:09 AM
- George Gaston said...
Mary... there is nothing like a bit of history to keep a recipe tradition going. But when the spirits of All Saint's Eve are part of that history; there is always intrigue & mischief, too! Your bread looks fantastic and I bet it taste even better. Thanks for passing along this story & recipe.
- October 5, 2009 at 10:14 AM
- Mary Bergfeld said...
Carol, I wrap dimes in aluminum foil and bake a few into my loaves of bread.
- October 5, 2009 at 10:18 AM
- Alyssa said...
Beautiful bread, Mary! Thanks for sharing it. After falling in love with a Greek fruit and nut bread a few weeks ago, I think this one will be a hit, as well.
- October 5, 2009 at 10:54 AM
- Neabear said...
What a bright blue in tne sign there! And the bread looks yummy nestled in the blue checked towel.
Thanks for visiting me. I try to keep my hands busy. :-)
~Linnea - October 5, 2009 at 11:03 AM
- Art Siegel said...
[Whistling on the corner next door where
He kept johnny mack brown�s horse.
O solo mio by mcgimsey
And the man who played the saw
Outside the city hall.
Pastie suppers down at davey�s chipper
Gravy rings, barmbracks
Wagon wheels, snowballs. ]
Van Morrison-A Sense of Wonder
Thanks, Mary.
How about recipes for the whole lot? - October 5, 2009 at 11:04 AM
- Mary Bergfeld said...
Art, please be patient with me. We'll eventually get to them all :-). I'm so glad you stopped by to visit. I hope you'll come often. It's such a treat to know someone who knows the words to the song. Now I'll be humming it all morning long. Take care....Mary
- October 5, 2009 at 11:12 AM
Wow, Mary - that bread looks absolutely tasty!!!
- October 5, 2009 at 11:14 AM
- MaR said...
What wonderful blue collage of Trinity College! Love reading about barmbrack and the trinkets!!
- October 5, 2009 at 11:40 AM
- Gaby said...
I could go for some of this right now for a quick breakfast! yummm
- October 5, 2009 at 11:47 AM
- Ms. Bake-it said...
Hello Mary,
Great mosaic of Trinity College but I must admit, the bread caught and held my attention. My grandmother and mother have always made soda bread and now I also make it. I did not know about Barmbrack. I hope to make it this coming weekend.
Thank you for sharing the history and recipe.
~ Tracy - October 5, 2009 at 11:50 AM
- shy said...
The cake is so yummm, nice post. thanks for sharing again the recipe. Happy Blue Monday!
- October 5, 2009 at 12:02 PM
- viridian said...
Thanks for visting my blog!
- October 5, 2009 at 12:38 PM
- Historical sites with charmine said...
Enjoyed this post.Thank you for the recipe,I must try this sometime.Great blue monday post.Happy blue monday Mary.Are you Irish?Just curious.
- October 5, 2009 at 12:47 PM
- Pam said...
Another great post Mary. I really need to try baking bread - you make it look so easy.
- October 5, 2009 at 12:53 PM
- storyteller said...
Lovely blue mosaic and delicious looking bread! Thanks for your visit to my blue mosaic at Sacred Ruminations. Hope YOU'RE having a delightful day too ;--)
Hugs and blessings, - October 5, 2009 at 1:28 PM
- aspiritofsimplicity said...
I am going to link this post to my blog so that I can make the bread later on. I hope you don't mind. It looks delish!
- October 5, 2009 at 1:42 PM
I love trying new breads. This is one I hope to make in the next few weeks....hopefully for Halloween.
You always have such a great story to go along with the photo and then you give a recipe to boot. You are spoiling us. - October 5, 2009 at 1:46 PM
- NKP said...
I have heard of barmbrack but never knew what it was.
Looks tasty - I love the drunken raisins! - October 5, 2009 at 1:58 PM
- Mary Bergfeld said...
Charmine, I'm of Scotch -Irish extraction, but learned to cook in German, Scandinavian and Italian kitchens. Go figure.
- October 5, 2009 at 1:59 PM
- KathyB. said...
I love baking bread and I love the background information you gave about this bread. I think I will need to bake it. Besides, happy raisins might do a body good!
- October 5, 2009 at 2:43 PM
- Ginger said...
I am happy to be back at my blogging because that means see all your wonderful photos and recipes. I really like the bread and will definitely give my hand a try at it. I can only hope that it turns out as good as your Barmbrack!! Have a great week Mary!!
- October 5, 2009 at 2:49 PM
- JG said...
Barmbrack Bread is a new bread to me. It sounds delicious! Thanks for the background and for the recipe.
- October 5, 2009 at 3:50 PM
- The Blonde Duck said...
I'm not Irish, but I'd love this!
- October 5, 2009 at 5:06 PM
- Susan/Wild Yeast said...
I love your posts because I know I;ll always find not only great bread but a good story or piece of lore as well. And now happy raisins too!
- October 5, 2009 at 6:15 PM
Hi Mary! Beautiful blue mosaic! Oh, and your bread looks so delicious! Thanks for popping in to see me.
Be a sweetie,
Shelia ;) - October 5, 2009 at 7:09 PM
- Katy ~ said...
My niece attended Trinity for a semester on the foreign student exchange program and loved it there.
And boy does that Irish bread look good. It's gorgeous! - October 5, 2009 at 7:19 PM
- Lori said...
This looks like tastey bread.
- October 5, 2009 at 8:52 PM
- Donna-FFW said...
This was such a charming post. I love the sound of the bread, and the blue check pattern meshes so perfectly.
- October 5, 2009 at 9:57 PM
- Mumzie said...
Mary, What a wonderful post and recipe. In June we visited Trinity College and saw the "Book of Kells" which is so full of history. I'm going to make this bread, it looks wonderful! Thanks for the history and the tip on soaking the raisins....we also toured the Jamison Distillery in Dublin. Tasty Bits! Thanks,Mumzie
- October 6, 2009 at 12:43 AM
- eveamp said...
I am Irish (and attend Trinity College)...just came across this but thought Id comment anyway! Traditionally the brack would contain lots of objects but now its more usually just a ring (which of course symbolises love!). Also, we have it every year but I would be more familiar with a version that is more of a "tea" cake than a soda bread!
- October 7, 2009 at 4:36 PM
- Deb in Hawaii said...
What a delicious-looking bread and fun post.
- October 7, 2009 at 11:24 PM
- Elle said...
Nice fruited bread and a great post. The whole All Hallows Eve thing was mostly the Christians taking the ancient Celtic Samhain tradition and dressing it up in a Christian Halloween costume.Guess this one will be baked this month...with some Irish whiskey soaked fruit!
- October 11, 2009 at 12:24 AM
- Baked, By Anna said...
I absolutely love traditional Irish baking--can't have enough recipes like these. Looks amazing, I may make it for Samhain this year!
- October 28, 2009 at 3:05 AM


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Concho County Marriage License, TX
Local Officiants
Concho County
Marriage License Requirements
Marriage License Fees:
$82.00 – wo/ Premarital Course Certificate
$22.00 – w/ Premarital Course Certificate
$47.00 – Informal Marriage (Common Law)
152 N. Roberts Paint Rock,
Texas 76866
8 am – 5 pm / M – F
(except for Court Approved Holidays)
Texas Wedding Officiants for your wedding or vow renewal ceremony. Submit one form to top-rated marriage officiants in your locality. You choose the best Wedding Officiant.
Ask a Lawyer Online Now! 24 Lawyers Are Online. Ask a Question, Get an Answer ASAP.
Marriage Application Requirement Texas: Formal | Informal
There are two different types of marriage licenses in Texas, and basic requirements are the same for both types of marriage:
A "Formal marriage license" A formal marriage license can be obtained from any county in Texas and the marriage can be performed anywhere. If the marriage takes place outside of Texas, contact the appropriate state office, consulate or embassy to learn the marriage requirements for that state or country.
A "Declaration And Registration Of An Informal Marriage (Common Law)" An informal marriage license can be obtained and recorded by a couple who agree to be married, and after the agreement, they lived together in this state as a couple and represented to others that they were married.
The following information is required on a marriage license application of both spouses, or party A and party B, the information needed for marriage license requirements is below:
Both parties must appear in person.
Both parties must be 18 and older, or court-emancipated minors 16 and over.
Submit proof of identity and age.
Must know Social Security number.
Must Know city, county, and state where you were born.
Effective September 1, 2013 – A person who is incarcerated may not apply for a marriage license.
Marriage ID Requirement Texas:
Must have a valid, government-issued picture identification:
Driver's license
State ID
Military ID
Certified copy of birth certificate and valid photo ID
Marriage license requirements are always subject to change so it's best to check with your County Clerk's office to verify information and documents needed to obtain your license.
Marriage Waiting Period Texas:
There is a 72-hour waiting period to get married.
The 72-hour waiting period may be waived by court order.
Active duty military are exempt from the waiting period.
Marriage Residency Requirement Texas:
You do not have to be a resident of Texas.
Previous Marriages: ✔ Search Marriage | Divorce Records
If either applicant has been recently divorced, the state requires a 30-day waiting period from the date of the filed divorce decree, unless waived by the court. Female applicants are required to submit a certified copy of final decree showing their restored maiden name if different from current identification.
Marriage License Fees Texas:
The marriage license fees varies from Texas county to county, so call ahead to your local County Clerk's office to find out the fee and ask what form of payment is accepted. In some cases, you may need to bring cash.
Couples completing the State Approved Pre-marital Education Course, Twogether in Texas, may have the formal license fee reduced to the County fee (up to $22) and the 72-hour waiting period waived by presenting the state-issued course completion certificate when applying for the license. Please visit www.twogetherintexas.com to locate classes in your area.
Proxy Marriages Texas:
Yes, but marriage by proxy in Texas is limited to individuals serving in the military and stationed outside of the country.
Cousin Marriages Texas:
Common Law Marriages Texas:
Blood Test Requirement Texas:
No. Blood tests or medical examinations are not required in Texas.
Name Change:
Getting a marriage license with your new name on it does not mean your name has automatically changed. If you need to change your last name, you can use an online marriage name change kit.
Marriage Age Requirements Texas: ✔ Get Copy Of Birth Certificate
Applicants must be 18 and older, or court-emancipated minors 16 and over. A minor must have a certified copy of birth certificate, photo I.D. and Social Security card or proof of social security number. Please contact your local County Clerk office for additional information.
Absent Applicant:
All applicants must be present for the ceremony unless: (a) the absent applicant is a member of the armed forces of the United States stationed in another country in support of combat or another military operation; and unable to attend the ceremony. All other applicants will have to be present for the ceremony. Absent Applicant Affidavit Application
Declaration And Registration Of An Informal Marriage (Common Law):
An informal marriage license can be obtained and recorded by a couple who agree to be married, and after the agreement, they lived together in this state as a couple and represented to others that they were married.
Both parties must be present. An absentee affidavit cannot be used for an informal marriage license.
A person under 18 years of age may not obtain an informal marriage license.
A person may not obtain an informal marriage license if presently married to someone else.
The fee varies from Texas county to county, so call ahead to your local County Clerk's office to find out the current fee and ask what form of payment is accepted. In some cases, you may need to bring cash.
Online Applications (if applicable):
Marriage license applications may be filled out and saved online. However, applicants must appear in person to sign and purchase the marriage license. Please note: additional information will be required of each applicant when the marriage license is issued.
Marriage Officiants Texas:
Persons authorized to perform weddings in Texas include licensed or ordained Christian ministers, priests, Jewish rabbis, officers authorized by religious organizations, justices of the supreme court, judges of the court of criminal appeals, justices of the courts of appeals, judges of the district, county, and probate courts, judges of the county courts at law, judges of the courts of domestic relations, judges of the juvenile courts, retired justices or judges, justices of the peace, retired justices of the peace, and judges or magistrates of a federal court of Texas.
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Copy of Certificate of Marriage License
Bureau of Vital Statistics
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P.O. Box 12040
Austin, TX 78711-2040
Ph: 512.458.7111
Please Note: State and county marriage license requirements often change. The above information is for guidance only and should not be regarded as legal advice. For more information regarding Texas marriage license laws and records please visit www.dshs.state.tx.us.


text:
Are We Through With Chew Yet?
As many as 20 percent of high school boys and two percent of high school girls continue to use smokeless tobacco, according to the Centers for Disease Control and Prevention. Despite public education campaigns sponsored by medical societies, organized baseball, and individuals, 12 to 14 million American users, one third are under age 21, and more than half of those developed the habit before they were 13. Peer pressure is just one of the reasons for starting the habit. Serious users often graduate from brands that deliver less nicotine to stronger ones. With each use, you need a little more of the drug to get the same feeling.
There has been some progress. The organizer of America's fastest growing sport, National Association for Stock Car Auto Racing (NASCAR) has dropped its long-time affiliation with Winston tobacco. NASCAR president Mike Helton says a total tobacco ban is "an issue that's on our radar for next year."
And there have been setbacks in the fight against smoking tobacco. New marketing campaigns that feature flavored smokeless products have won over new young users. Journalistic coverage of Dr. Brad Rodu and his support of smokeless tobacco as a substitute for cigarettes has diluted the Academy's "No Smokeless Tobacco Use" message that has been an official campaign for this Academy since 1989. In a November 10, 2005 study; "New Cigarette Brands with Flavors That Appeal to Youth: Tobacco Marketing Strategies; Health Affairs, November/December 2005, Volume 24, number 6, funded by the American Legacy Foundation and the National Cancer Institute noted that candy flavors were also added to smokeless tobacco products, cigars and cigarette rolling papers. "
Gregory Connolly, senior author of the study and a professor of the practice of public health at the Harvard School of Pubic Health noted, "Tobacco companies are using candy-like flavors and high tech delivery devices to turn a blowtorch into a flavored popsicle, misleading millions of youngsters to try a deadly product. Although the study focuses primarily on cigarettes, it noted that the addiction to smokeless tobacco or "chew" is as strong if not stronger than to cigarettes. Additional research has shown that there continues to be substantial evidence that smokeless tobacco is deadly. A December 18, 2003 study by Patricia Richter, Ph.D and Francis Spierto, Ph.D, two CDC researchers released by the Center for the Advancement of Health reported that the most popular brands of smokeless tobacco contain the highest amounts of nicotine that can be readily absorbed by the body. According to Richter, "Consumers need to know that smokeless tobacco products, including loose-leaf and moist snuff, are not safe alternatives to smoking," Richter says. "The amount of nicotine absorbed per dose from using smokeless tobacco is greater than the amount of nicotine absorbed from smoking one cigarette.
Kicking Tobacco Means Kicking It All
In November 11, 2005 Reuters story, "Oral Tocacco Not Safe Sbustiute for Smoking," Dr. Stephen Hecht and colleagues from the University of Minnesota Cancer Center in Minneapolis related data from their current research that compared the levels of cancer-causing nitrosamines in popular smokeless tobacco products and medicinal nicotine products such as the nicotine patch, nicotine gum, and nicotine lozenges.
The results "clearly showed that the levels of cancer-causing nitrosamines are far higher in smokeless tobacco products than they are in medicinal nicotine products," Hecht said during a press briefing. While smokeless tobacco has "demonstrably less carcinogens and toxins than cigarette smoke," said Hecht, smokeless tobacco still has "remarkably high levels of carcinogenic tobacco-specific nitrosamines — levels that are 100 to 1,000 times higher than in any other consumer product that is designed for oral consumption." In a separate study, the team evaluated carcinogen biomarker levels in individuals using these products. They had 54 users of popular US smokeless tobacco products use their usual brand for two weeks and then had them switch to either Swedish snus or a nicotine patch for four weeks.
The team found that carcinogen levels in urine were statistically significantly lower after the switch from US-made smokeless tobacco brands to snus or to the nicotine patch. When comparing snus users to patch users, levels of cancer- causing compounds were significantly lower in patch users, indicating that medicinal nicotine is safer than snus, Hecht said. These results conflict with some prior studies that suggested that smokeless tobacco including moist snuff may be a less harmful habit than cigarette smoking because many of the carcinogens in cigarette smoke are either reduced or absent in smokeless tobacco. The bottom line, Dr.Hecht said, is that "smokeless tobacco products are dangerous."
"The evidence suggests," he continued, "that smokeless products are in fact a cause of oral cancer and pancreatic cancer in humans. The current evidence does not support smokeless tobacco as a substitute for cigarette smoking."


text:
Privacy Policy
Last revised: 11.12.2022
The purpose of this Privacy Policy is to inform you of how Paradise Foreign Women ("Company" or "we" or "our" or "us") processes, collects, uses, and discloses the personal data that we collect from you when you visit mailorderbrides.org.uk (the "Website"), how such data will be used by the Company (as defined below), its Advertising Partners, and/or other persons or entities with whom such data may be shared, as well as your choices regarding the processing, collection, use, and distribution of such data and the security measures that we have implemented to protect your privacy. Please read this Privacy Policy carefully to understand our policies and procedures regarding your personal data and how it will be processed.
BY CONTINUING TO USE THE WEBSITE, YOU PROMISE US THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THIS PRIVACY POLICY, AS AMENDED FROM TIME TO TIME BY THE COMPANY AT ITS SOLE AND ABSOLUTE DISCRETION. You further agree to regularly review this Privacy Policy to ensure that you are familiar with Company's most-current policies and procedures. Your continued use of the Website after we make changes is deemed to accept those changes. If you do not agree or are unable to make this promise, you must not use the Website.
If required by law, we will make reasonable efforts to contact you about material changes or updates to this Privacy Policy; if you have provided us with an email address, you agree that we may email you a notice regarding such changes or updates; if you have not provided us with an email address, you agree to view this page periodically and when our site informs you that this Privacy Policy has been updated.
Types of personal data collected
- Personal data provided by you through the Website
If you voluntarily contact us by sending an email at or any other request or notification, you may be required to provide us with specific personal data such as your name and email address.
- Usage Data
Usage Data has collected automatically when using the Website.Usage Data may include information such as your Device's Internet Protocol address (e.g., IP address), browser type, browser version, the pages of our Website that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
- Cookies
We use cookies to track the activity on our Website and store certain information.
How do we use your personal data
- When you request us to contact you
Via our Website, if you voluntarily contact us by sending an email at or any other request or notification regarding questions, queries, comments, or complaints. When you do so, we will collect the data you fill out, including your name and email address. Therefore, we use this data for our legitimate interest in conducting business with you or establishing our future contract with you.
- Data we collect automatically when you use this Website
When you access the Website, we may collect certain data automatically, including Usage Data, cookies, and similar tracking technologies. This data is collected for our legitimate interest in improving and administering our Website, including data analysis, troubleshooting, and statistical and survey purposes.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may be unable to use some parts of our Website.
With whom we may share your personal data
- With Service providers
If necessary, we may share your personal data with Service providers to monitor and analyze the use of our Website, store the personal data, show advertisements to you, help support and maintain our Website, contact you, etc. We have concluded agreements with our Service providers to protect your personal data.
- For business transfers
If the Company is involved in a merger, acquisition, reorganization, assignment, transfer, change of control, or asset sale, your personal data may be transferred to third parties in connection with such transaction. We will provide notice before your personal data is transferred and becomes subject to a different Privacy Policy.
- With business partners
We may share your personal data with our business partners to offer you certain products, services, or promotions.
- Law enforcement
Under certain circumstances, the Company may be required to disclose your personal data if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).
- Other legal requirements
The Company may disclose your personal data in the good faith belief that such action is necessary to comply with a legal obligation, to protect and defend the rights or property of the Company, to prevent or investigate possible wrongdoing in connection with the Website, to protect the personal safety of users of the Website or the public, to protect against legal liability.
Сookies and similar tracking technologies
When you access the Website, we may use "cookies" (or similar tracking technologies). The use of cookies is a standard industry-wide practice. A "cookie" is a small piece of information that a website assigns and stores on your computer while you are viewing a website. Cookies are very helpful and can be used for various different purposes. These purposes include allowing you to navigate between pages efficiently, automatically activating certain features, remembering your preferences, and making the interaction between you and our Website quicker and easier. Cookies are also used to help customize your experience.
There are several types of cookies, among others:
- Essential, Functionality, Operation & Security cookies. These cookies are essential for enabling user movement around the website, for the website to function properly, and for security purposes (i.e., used to authenticate users, prevent fraudulent use, and protect user data from unauthorized parties). This category of cookies either cannot be disabled or, if disabled, certain features of the Website may not work.
- Analytic, Measurement & Performance cookies. These cookies are used to collect data about how users use our Website to improve their and the way we offer them, as well as assess the performance of the Website. These cookies enable us, for example, to assess the number of users who have viewed a specific article as well as their country of origin. It enables our Website to remember data that changes how it behaves or looks, such as your preferred language.
- Preference, Targeting & Advertising cookies. These cookies are used to advertise across the Internet and to display relevant ads tailored to users based on the parts of the website they have (e.g., the cookie will indicate you have visited a certain webpage and will show you ads relating to that webpage).
Most browsers will allow you to erase cookies from your computer's hard drive, block the acceptance of cookies, or receive a warning before a cookie is stored. You may remove our cookies by following the instructions of your device preferences. However, if you block or erase cookies, some features of the Website may not operate properly, and your online experience may be limited.
Сhildren's privacy
The Website is not intended for individuals under the age of eighteen (18); accordingly, we do not use the Website to knowingly solicit data from or market to children defined under applicable law (e.g., thirteen (13) regarding US individuals and sixteen (16) regarding European Economic Area ("EEA") individuals). We request that such individuals do not provide personal data through our Website. We reserve the right to request proof of age at any stage to verify that children under the age of eighteen (18) are not using the Website. If you become aware or have any reason to believe that a child has shared with us, please contact us at , and we will take reasonable steps to ensure that such data is deleted from our files.
How long do we keep your personal data
We will retain your personal data only for as long as is necessary for the purposes set out in this Privacy Policy. For example, we will retain and use your personal data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Website, or we are legally obligated to retain this data for more extended time periods.
Transfer of personal data
We may store or process your personal data in the EEA or in other countries. If you visit our Website from locations outside of the EEA, please note that any data you provide to us through your use of our Website may be transferred to and processed in countries other than the country from which you accessed our Website. If you are a resident of the EEA, we will take appropriate measures to ensure that your personal data receives adequate data protection upon its transfer outside of the EEA. If you are a resident of a jurisdiction where the transfer of your personal data requires consent, then your consent to this Privacy Policy includes your express consent for such data transfer.
Security of the personal data
We take great care in implementing and maintaining the security measures of the Website and your personal data. We employ industry standard procedures and policies and implement technical and administrative security measures to ensure the safety of our user's personal data and prevent unauthorized access or use of any such personal data. However, no data transmission over the internet or any wireless network can be guaranteed to be 100% secure, and we can not be responsible for the acts of those who gain unauthorized access or abuse our Website, and we make no warranty, express, implied or otherwise, that we will prevent such access.
We may adopt what we believe are appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access to such data and according to applicable law requirements. If you feel that your privacy was treated not in accordance with our Privacy Policy, or if any person attempted to abuse our Website or acted in an appropriate manner, please contact us directly at .
Changes to Privacy Policy
We reserve the right to amend this Privacy Policy at our sole discretion and at any time. If we make changes to this Privacy Policy, we will immediately post the updated Privacy Policy on our Website and update the relevant, effective date. Any such changes will be effective immediately upon being posted unless otherwise stated in the change. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.
Terms related to EU/EEA users
Legal basis for processing personal data (for EU/EEA users)
If you are an individual in the European Union or European Economic Area (EEA), we collect and process data about you only where we have a legal basis for doing so under applicable EU laws, including the General Data Protection Regulation (GDPR). The legal basis depends on how you use the Website. This means we collect and use your data only where:
- It is necessary for the performance of a contract, such as to provide you with the services you requested, including operating the services, providing customer support and personalized features, and protecting the safety and security of the services, including all processing necessary for the performance of our contract(s) with you;
- It satisfies a legitimate interest that is not outweighed by your data protection rights and interests, such as for research and development, to market and promote our services, and protect our legal rights and interests;
- You give us consent to do so for a specific purpose; or
- We need to process your data to comply with a legal obligation.
In any case, we will gladly help clarify the specific legal basis that applies to the processing, mainly whether the provision of personal data is a statutory or contractual requirement or a requirement necessary to enter into a contract.
Your rights as a data subject
We respect the confidentiality of your personal data and guarantee you can exercise your rights. You have the right under this Privacy Policy, and by law, if you are within the EU/EEA, to:
- Request access to your personal data. The right to access, update or delete the data we have on you. Whenever made possible, you can access, update or request the deletion of your personal data directly by contacting us at . This also enables you to receive a copy of the personal data we hold about you.
- Request correction of the personal data that we hold about you. You have the right to have incomplete or inaccurate information we hold about you corrected.
- Object to processing of your personal data. This right exists where we rely on legitimate interest as the legal basis for our processing, and there is something about your particular situation that makes you want to object to our processing of your personal data on this ground. You also have the right to object to where we are processing your personal data for direct marketing purposes.
- Request the erasure of your personal data. You have the right to ask us to delete or remove personal data when there is no good reason for us to continue processing it.
- Request the transfer of your personal data. We will provide to you, or to a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Please note that this right only applies to automated data which you initially provided consent for us to use or where we used the information to perform a contract with you.
- Withdraw your consent. You have the right to withdraw your consent to use your personal data. If you withdraw your consent, we may not be able to provide you with access to certain specific functionalities of the Website.
If you wish to exercise any of the rights set out above, please contact us at .
No fee is usually required
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive, or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
Timeframe for responding to a request
We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
Disclosure of your personal data
We may disclose aggregated data about our users and information that does not identify any individual without restriction. We may disclose personal data that we collect or you provide as described in this Privacy Policy:
- To our subsidiaries and affiliates;
- To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal data confidential and use it only for the purposes for which we disclose it to them;
- To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all Company's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal data held by Company about our Website users is among the assets transferred;
- To fulfill the purpose for which you provide it;
- With your consent.
We may also disclose your personal data:
- To comply with any court order, law, or legal process, including responding to any government or regulatory request;
- To enforce or apply our Terms and conditions of use or Privacy Policy and other agreements; and
- If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers, or others. This includes exchanging data with other companies and organizations for the purposes of fraud protection and credit risk reduction.
Third-party links
The Website contains links to websites operated and maintained by third parties over which Company has no control. Any data you provide to third-party websites will be governed under the terms of use or privacy policy of those respective third parties. Accordingly, we strongly encourage you to investigate and ask questions before disclosing any data to the operators of third-party websites and to familiarise yourself with their privacy practices by reviewing their privacy notices and privacy policies.
The inclusion of third-party websites on or through our Website in no way constitutes an express or implied endorsement of such websites' policies or notices.
Privacy Policy for California and Virginia residents
Types of personal data collected
We collect data that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device. The following is a list of categories of personal data that we may have collected from California residents within the last twelve (12) months.
Please be aware that the categories and examples provided in the list below are those defined in the California Consumer Privacy Act ("CCPA") and California Privacy Rights Act ("CPRA"). This does not mean that all examples of that category of personal data were, in fact, collected by us but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been collected. For example, certain categories of personal data would only be collected if you provided such personal data directly to us.
- Category A. Identifiers
Examples: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, driver's license number, passport number, or other similar identifiers.
Collected: Yes.
- Category B. Personal data categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))
Examples: A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.
Collected: Yes.
- Category C. Protected classification characteristics under California or federal law
Examples: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
Collected: No.
- Category D. Commercial data
Examples: Records and history of products or services purchased or considered.
Collected: Yes.
- Category E. Biometric data
Examples: Genetic, physiological, behavioral, and biological characteristics or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.
Collected: No.
- Category F. Internet or other similar network activity
Examples: Interaction with our Website.
Collected: Yes.
- Category G. Geolocation data
Examples: Approximate physical location.
Collected: No.
- Category H. Sensory data
Examples: Audio, electronic, visual, thermal, olfactory, or similar information.
Collected: No.
- Category I: Professional or employment-related data
Examples: Current or past job history or performance evaluations.
Collected: No.
- Category J. Non-public education data (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99))
Examples: Education records directly related to a student maintained by an educational institution or party acting on its behalfs, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
Collected: No.
- Category K. Inferences are drawn from other personal data
Examples: Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
Collected: No.
- Category L. Sensitive personal data
Examples: social security, driver's license, state identification card, or passport number; account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; precise geolocation; racial or ethnic origin, religious or philosophical beliefs, or union membership; the contents of the email, email, and text messages unless the business is the intended recipient of the communication; genetic data; the processing of biometric information for the purpose of uniquely identifying; personal data collected and analyzed concerning health; personal information collected and analyzed concerning sex life or sexual orientation.
Collected: No.
Under CCPA and CPRA, personal data does not include:
- Publicly available information from government records;
- Deidentified or aggregated consumer information;
- Information excluded from the CCPA's scope, like:
- Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
- Personal Information is covered by specific sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.
Use of personal data
We may use or disclose personal data we collect for "business purposes" or "commercial purposes" (as defined under the CCPA and CPRA), which may include the following examples:
- To operate our Website.
- To provide you with support and to respond to your inquiries, including investigating and addressing your concerns and monitoring and improving our Website.
- To fulfill or meet the reason you provided the data. For example, if you share your contact data to ask questions about our Website, we will use that personal data to respond to your inquiry.
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
- As described to you when collecting your personal data or as otherwise set forth in the CCPA and CPRA.
- For internal administrative and auditing purposes.
- To detect security incidents and protect against malicious, deceptive, fraudulent, or illegal activity, including, when necessary, prosecuting those responsible for such activities.
- To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal data held by us about our Website users is among the assets transferred.
If we decide to collect additional categories of personal data or use the personal data we collected for materially different, unrelated, or incompatible purposes, we will update this Privacy Policy.
Sharing of personal data
We may disclose your personal data to a third party for business purposes or sell your personal data, subject to your right to opt out of those sales. When we disclose personal data for a business purpose, we enter a contract that describes the purpose and requires the recipient to keep that personal data confidential and not use it for any purpose except the contract. The CCPA, CPRA, and Virginia Consumer Data Protection Act ("VCDPA") prohibit third parties who purchase the personal data we hold from reselling it unless you have received explicit notice and an opportunity to opt out of further sales.
We may share your personal data with the following categories of third parties:
- Service providers;
- Data aggregators;
- Third-party vendors to whom you or your agents authorize us to disclose your personal data in connection with products or services we provide to you.
Disclosure of personal data for business purposes
We may use or disclose and may have used or disclosed in the last twelve (12) months the following categories of personal data for business or commercial purposes:
- Category A. Identifiers.
- Category B. Personal data categories are listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
- Category D. Commercial data.
- Category F. Internet or other similar network activity.
Please note that the categories listed above are those defined in the CCPA and CPRA. This does not mean that all examples of that category of personal information were, in fact, disclosed but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been disclosed.
Sale of personal data
As defined in the CCPA, "sell" and "sale" mean selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a consumer's personal data by the business to a third party for monetary or other valuable consideration. This means that we may have received some kind of benefit for sharing personal data, but not necessarily a monetary benefit.
Please note that the categories listed below are those defined in the CCPA. This does not mean that all examples of that category of personal data were, in fact, sold but it reflects our good faith belief, to the best of our knowledge, that some of that data from the applicable category may be and may have been shared for value in return.
We may sell and may have sold in the last twelve (12) months the following categories of personal data:
- Category A. Identifiers.
- Category B. Personal data categories are listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
- Category D. Commercial data.
- Category F. Internet or other similar network activity.
Sale of personal data of minors under 16 years of age
We do not knowingly collect personal data from minors under the age of 16 through our Website, although certain third-party websites that we link to may do so. These third-party websites have their own terms of use and privacy policies, and we encourage parents and legal guardians to monitor their children's Internet usage and instruct their children never to provide data on other websites without their permission.
We do not sell the personal data of consumers we know less than 16 years of age unless we receive affirmative authorization (the "right to opt-in") from either the consumer who is between 13 and 16 years of age or the parent or guardian of a consumer less than 13 years of age. Consumers who opt in to the sale of personal data may opt-out of future sales at any time. To exercise the right to opt out, you (or your authorized representative) may submit a request to us at .
If you have reason to believe that a child under the age of 13 (or 16) has provided us with personal data, please contact us with sufficient detail to enable us to delete that data.
Your rights under the CPPA, CPRA, and VCDPA
The CCPA and CPRA provide California residents, and VCDPA provides Virginia residents with specific rights regarding their personal data. If you are a resident of California and/or Virginia, you have the following rights:
- The right to notice. You have the right to be notified of which categories of personal data are being collected and the purposes for which the personal data is being used.
- The right to request. Under CCPA, CPRA, and VCDPA, you have the right to request that we disclose data to you about our collection, use, sale, disclosure for business purposes, and sharing of personal data. Once we receive and confirm your request, we will disclose to you:
- The categories of personal data we collected about you.
- The categories of sources for the personal data we collected about you.
- Our business or commercial purpose for collecting or selling that personal data.
- The categories of third parties with whom we share that personal data.
- The specific pieces of personal data we collected about you.
- If we sold your personal data or disclose your personal data for a business purpose, we will disclose to you:
- a) The categories of personal data sold;
- b) The categories of personal data disclosed.
- The right to say no to the sale or sharing of personal data (opt out) for California residents You have the right to direct us not to sell or share your personal data. To submit an opt-out request, please contact us at .
- The right to opt out of the processing of the personal data for Virginia residents for purposes of (i) targeted advertising, (ii) the sale of personal data, or (iii) profiling in furtherance of decisions that produce legal or similarly significant effects concerning the consumer. To submit an opt out request, please contact us at .
- The right to correct inaccuracies. Under CCPA, CPRA, and VCDPA, you have the right to request us to correct the inaccurate personal data that we maintain about you, taking into account the nature of the personal data and the purposes of the processing of the personal data.
- The right to limit the use and disclosure of sensitive personal data. Under CPRA, you have the right to direct us to limit our use of your sensitive personal data to that use which is necessary to perform the services. To submit such a request, please contact us at .
- The right to delete personal data. You have the right to request the deletion of your personal data, subject to certain exceptions. Once we receive and confirm your request, we will delete your personal data from our records unless an exception applies. We may deny your deletion request if retaining the data is necessary for our service providers or us:
- To complete the transaction for which we collected the personal data, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
- To detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
- To debug products to identify and repair errors that impair existing intended functionality.
- To exercise free speech, ensure the right of another consumer to exercise their free speech rights or exercise another right provided for by law.
- To comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
- To engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws when the data's deletion may likely render impossible or seriously impair the research's achievement if you previously provided informed consent.
- To enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
- To comply with a legal obligation
- To make other internal and lawful uses of that data that are compatible with the context in which you provided it.
- The right not to be discriminated against. You have the right not to be discriminated against for exercising any of your consumer rights, including by:
- Denying goods or services to you.
- Charging different prices or rates for goods or services, including the use of discounts or other benefits or imposing penalties.
- Providing a different level or quality of goods or services to you.
- Suggesting that you will receive a different price or rate for goods or services or a different level or quality of goods or services.
The right to opt out
For California residents
If you are 16 years of age or older, you have the right to direct us not to sell or share your personal data at any time (the "right to opt-out"). We do not sell or share the personal data of consumers we know less than 16 years of age unless we receive affirmative authorization (the "right to opt-in") from either the consumer who is between 13 and 16 years of age or the parent or guardian of a consumer less than 13 years of age. Consumers who opt in to personal data sales or sharing may opt out of future sales at any time.
To exercise the right to opt-out, you (or your authorized representative) may submit a request to us at .
For Virginia residents
Virginia residents have the right to opt out of the processing of personal data for purposes of (i) targeted advertising, (ii) the sale of personal data, or (iii) profiling in furtherance of decisions that produce legal or similarly significant effects concerning the consumer.
To exercise the right to opt out, you may submit a request to us at .
"Do not track" policy is required by California Online Privacy Protection Act (CalOPPA)
Our Website does not respond to do not track ("DNT") signals.
However, some third-party websites do keep track of your browsing activities. If you are visiting such websites, you can set your preferences in your web browser to inform websites that you do not want to be tracked. You can enable or disable DNT by visiting the preferences or settings page of your web browser.
Children's Privacy
Our Website does not address anyone under the age of 13. We do not knowingly collect personally identifiable data from anyone under the age of 13. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us. If we become aware that we have collected personal data from anyone under the age of 13 without verification of parental consent, we take the necessary steps to remove that data from our servers.
If we need to rely on consent as a legal basis for processing your data and your country requires consent from a parent, we may require your parent's consent before we collect and use that data.
Other California privacy rights
California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal data to third parties for their direct marketing purposes. To make such a request, please contact us at .


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- In stock, ready to ship
- Inventory on the way - Request for delivery date
PSR Parts strives to ship within the shortest amount of time possible.
When you have questions regarding delivery times, please don't hesitate to contact us.
- We offer Tax-Free shopping for non-EU countries. Please note that purchasing from outside the EU might be charged with additional tax and customs charges.
Every Milltek system is designed, developed and hand-finished here in the UK by time-served craftsmen, each one produced in aerospace grade type 304, non-magnetic stainless steel. This superior material is less susceptible to discolouration, lasts almost indefinitely and is used throughout the entire construction of our pipework, silencers and associated hardware.
Mandrel bending ensures constant radius bends for optimised gasflow, and bore diameters are carefully enlarged over stock to ensure ultimate performance without the loss of mid-range torque. All of the Milltek exhaust systems endure a comprehensive acoustic development process to deliver a tone that is sporty and crisp, without ever inducing NVH, drone or cabin resonance.
Technical Details:
Milltek Cat-back - Audi S8 D4 4.0 TFSI quattro Tiptronic 2013-2018 - SSXAU467
Non-resonated (louder). Titanium Tips Quad 100mm GT100 - PIPE Ø (MM) 70x2,76
EC-Approved: No
Race-System: No
Valvesonic: No


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Information and useful links are listed below regarding work permits and longer residence, relocation, buying property or land, withholding tax, social insurance, family reunification and foreign nationals living but not working in Switzerland.
Living in Switzerland
Residence permits
Anyone who works during his/her stay in Switzerland or who remains in Switzerland for longer than three months requires a permit. Residence permits are issued by the Cantonal Migration Offices. A distinction is made between short-term residence permits (less than one year), annual residence permits (limited) and permanent residence permits (unlimited).
The authorisations required for a stay of over three months in Switzerland are dependent on the applicant's nationality
State Secretariat for Migration SEM – Cantonal immigration authorities
Family reunification
You live in Switzerland and your family lives abroad. Here you will find information on the requirements that must be met in order to bring family members to Switzerland. You will also find information on the services available to help your children enter the Swiss school system.
Foreign nationals without gainful employment
Switzerland's migration policy makes a clear distinction: On the one hand, the Agreement on the Free Movement of Persons makes it much easier for EU and EFTA citizens to enter and stay in Switzerland. However, conditions are more restrictive for third-country nationals.
Living in Switzerland as a foreign national
Living in Switzerland as a foreign national: everything you need to know about entry, residence and employment. Information about changing residence, land purchases, withholding tax, social insurance, visa requirements for travel to EU member states and special courses for foreign children.
Living in Switzerland as a foreign national


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Fabrica Carpets – Savant
Fabrica Carpets
Fulfilling the promise of our corporate mission of "Quality without Compromise" Fabrica manufactures carpets and rugs for the most demanding segments of the high-end style residential market. Our distinctive broadloom carpet, custom area rugs and hand-tufted rugs have earned Fabrica an international reputation for exquisite style and exceptional performance.
At Fabrica, our passion is to be "Best in Class" – blending exquisite style and uncompromising performance in every carpet and rug we produce.


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Homes for Rent in East Providence, RI
36 Homes ListedHomeRentListings.com is a free resource for East Providence, RI Rental home listings.
We offer property listing search for rental homes, owner homes, houses for rent, town-homes/condos for rent, multi family homes for rent and commercial property for rental home listings in East Providence, RI.
If you are looking for a rental home in East Providence, our website can supply you with the most updated and free real estate listings information in East Providence, RI.
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