Emergency online payday loans – The best online payday loan company


Online Application with the best online payday loan company

Wondering about the loan at Lakeshia, but you still can not make a final decision? Perhaps in taking a step forward, you will find the following article in which we reveal the advantages and disadvantages of this lender. See, then, when it pays to borrow in this company!

The Lakeshia offer is a suitable proposition for those who are looking for an offer with a longer repayment date. In this company, the repayment of the obligation can be spread even for 24 installments, thanks to which the repayment of the borrowed capital should not be too heavy for the household budget.

A loan application for payday loans is made online, use PaydayLoanHelpers. However, if you do not feel confident in the internet world, you can use the help of a company consultant. 

Lakeshia is also very flexible when it comes to the form of cash withdrawal. You can get money from the company in the form of a transfer to your account or withdraw it at the post office using the GIRO check. So if for what reasons you do not want the loaned funds to reach your account, you have a parallel solution to choose from.

The pros and cons of the loan at Lakeshia

Help us to complete this list! We collect opinions about Lakeshia and complete them on the basis of the list below. Describe your experience with Lakeshia in the comments below. All customer reviews and stories are read and taken into account by us.

The advantages of a loan at Lakeshia

  • offer including both payday and installment loans,
  • the possibility of spreading repayment even for 24 months,
  • option to submit an application online or by phone,
  • two forms of payday loans: by bank transfer or in the form of a GIRO check,
  • no upper age limit for the borrower,
  • the option to extend the repayment of the loan,
  • no costs related to repayment ahead of schedule,
  • the possibility of taking another loan before paying off the current liability,

Loans disadvantages at Lakeshia

  • the loan is available only for people over 21,
  • the need to provide documents confirming income and a bank account statement,
  • customer control in virtually all debtors’ databases,
  • low amount of installment loan,
  • no free offer for new customers.

The Public Liability Insurance – Protection and Security for Businesses


We all know Murphy’s Law: Everything that can go wrong eventually goes awry! This also applies to company activities, services or products. And the company or the entrepreneur is personally liable for all damages that arise as a result. No matter whether people, assets or property are damaged – without a corresponding insurance cover the company or its owner is liable. That can quickly go into the tens of thousands of euros, if for example personal injury arose.

Here is an example from the files of a large German insurance company: A child crashes through a damaged stair railing that had built a craft business in the home. The child is disabled for life. The amount of compensation to be paid by the company amounts to a total of 950,000 euros, which consists of compensation for pain, house remodeling costs, medical treatment costs, etc.

Companies are liable like private persons – without liability limits


Businesses or entrepreneurs are liable like private persons without liability limits. This is what the Civil Code (§ 823 BGB) provides. Thus, with a large amount of damage, the entire company can easily be at risk – up to bankruptcy with all consequential damages for the owner himself as well as his employees who lose their jobs.

A public liability insurance is thus part of professional risk management by the management. It therefore belongs to every insurance company in its insurance portfolio. After all, insurance coverage does not only include the company as a legal entity, but also owners and employees are protected against compensation for their business activities.

What does a public liability insurance (BHV) do?

What does a public liability insurance (BHV) do?

A lot can happen when you are doing business. The damage totals can quickly go into the hundreds of thousands of euros, such as environmental or personal injury. This applies to start-up companies as well as established companies with several branches and a few hundred employees.

The BHV acts in the event of damage as a combined legal expenses and liability insurance. It first checks the claim for damages for its legality. If their experts come to the conclusion that these claims are justified, they will reimburse the claimant or the injured party up to the agreed insured sum. This may be personal, material or pecuniary damage suffered by third parties as a result of operational activities, services or products.

If the insurance company does not consider the claims for damages justified, it rejects the claims of the alleged victims. It takes over the costs for lawyers, appraisers or courts in case of litigation and thus offers the company the protection of a classic legal protection insurance.

Regular checks give security

Regular checks give security

Risk situations in companies change. In order to ensure that no false or underinsurance can develop over time, the following aspects should be considered:

  • Old contracts should be regularly checked for accuracy of fit. An adjustment of the public liability insurance by updating the insured risks with the previous insurance company can save considerable sums without reducing the insurance cover.
  • New contracts can not only provide tailor-made insurance protection but also significant cost optimization. A list of all insured risks also prevents conflicts with the insurance company in the event of a claim.
  • Sums insured must always be determined in such a way that all costs can be covered in case of damage without having to resort to own resources. This is especially true for start-ups and companies with high risk of damage.

During the consultation, management and insurance consultants jointly analyze the risk profile of the company and then determine the optimal sum insured. A professional insurance broker makes sure that the company gets its optimal insurance cover at the lowest possible price.


Teachers’ loans: benefits for state employees

The INPDAP loans for teachers are now provided by the Public Employee Management of the INPS, the National Social Security Institute, which took over the credit services provided to the state by the former INPDAP, now closed. The transfer of responsibilities to the INPS implies that today teachers, like all other workers in the public sector , can apply to the Institute for funding. The advantage compared to loans available on the market is often constituted by convenient interest rates and more streamlined methods of accessing credit, such as the sale of the fifth.

This rate repayment formula provides for payment to be made directly through a deduction on salary or pension


Which can never exceed the threshold of one fifth of the monthly amount. This means that at any time during the loan term, the installment can never exceed 20% of a teacher’s salary . The advantage of this rate calculation mechanism is that the teacher will always know with certainty how much the payment will be, with the certainty that this will be sustainable compared to his monthly income.

The teacher who requests financing from the former management must present the last two pay slips


the CUD model and a copy of an identity document and tax code. The main requirement to be able to access the loan for state employees is to hold a permanent chair for at least two years . With this type of loan, a teacher can reach an amount of up to 60,000 euros, if his guarantees are solid. In this regard, the funding is also open to teachers who are approaching the threshold of retirement age.

As with all public employees , INPS also offers various financing solutions to teachers. In particular, there are two INPDAP loans for teachers that directly provide the INPS: the small loan , which works like a traditional personal loan and can last up to 5 years, and the multi-year loan, which instead is a finalized loan, ie requires that the amount is used for a specific purpose, specified at the time of signing the contract.