Payday Loans No Credit Check

The Payday Loans No Credit Check | Payday Loans Online Same Day is a popular financial product prepared for applicants who want to get the necessary finances from the comfort of their home. To do this, use a simple online form on the internet, including a practical calculator for calculating the number of installments. All necessary documents will be scanned and submitted online. Without delay, visits to the banking institution and any other obstructions.

Taking the loan within 15 minutes

The loan from Kramer is processed as soon as you have read the terms and conditions that you agree to. Money is paid by wire transfer, within 15 minutes. You can actually make a real amount of money on your account.

No unnecessary charges

The Loan without papers from Kramer will make you not only unnecessary paperwork but also other associated fees. You will not pay, for example, for free processing. You do not even pay fees for keeping a credit account. An advantageous paperless loan is above all about comfort, convenience, and tempting interest rates.

Payout table

  The amount of the loan Repayment period Monthly payment Interest* RPSN * Total *    
  50 000 CZK 24 months 5.9% 6.2% I am interested in  
  100 000 CZK 48 months 5.9% 6.2% I am interested in  
  250 000 CZK 60 months 5.9% 6.2% I am interested in  
  350 000 CZK 83 months 5.9% 6.2% I am interested in  
  400 000 CZK 108 months 5.9% 6.2% I am interested in  

Loan amount: 50 000 CZK Repayment time: 24 months Fee: – Interest *: 5.9% RPSN *: 6.2% Total *: – I am interested in Loan amount: 100 000 CZK Repayment time: 48 months Fee: – Interest *: 5.9% RPSN *: 6.2% Total *: – I am interested in Loan amount: 250 000 CZK Repayment time: 60 months Fee: – Interest *: 5.9% RPSN *: 6.2% Total *: – I am interested in Loan amount: CZK 350,000 Repayment time: 83 months Fee: – Interest *: 5.9% RPSN *: 6.2% Total *: – I am interested in Loan amount: 400,000 CZK Repayment time: 108 months Fee: – Interest *: 5.9% RPSN *: 6.2% Total *: – I am interested in

The Loan without papers from Kramer can offer you a loan of up to CZK 200,000 with a maturity of 108 months. Upon request, you will not be charged for the settlement or subsequent maintenance of your credit account. The interest rate will be set at 11.6% and the APRC will be 12.4%. The amount of the monthly installment is then set at CZK 3,030. Total you pay 327 240 CZK. Upon regular repayment, up to 15 monthly installments may be waived. Then you would only repay 93 months with interest 9.1% and APR 9.6%. Together you would pay 281 790 CZK.

frequent questions

Are there any limitations on proof of income? Yes, you should not be in probation or notice period. Such confirmation can not be accepted. How long does it take to pay the bill? Loan without papers from Kramer has quickly processed thanks to the online request, so you can get money in 15 minutes. What is needed to get a paperless loan? First, you need to fill in your personal information in the online application. Then you upload the scanned documents and, after reading the terms of the contract, you make the contract online. Loan Amount 20,000 – 400,000 CZK Maturity 6 – 108 months Interest from 5.9% RPSN from 6.2%.

Storm damage: Which insurance pays for the consequences of a storm

Whether Kyrill, Lothar or Jeanett: Again and again heavy storms or hurricanes sweep over Germany. Devastating storm damage is the result: covered roofs, trees fallen into walls, flooded places, damage to buildings and household effects. Affected are homeowners and tenants.

The storm damage is regulated by various insurance policies – depending on the situation: household insurance, homeowners insurance, natural hazard insurance , vehicle comprehensive insurance and liability insurance.

Storm damage: when does the insurance pay?

Top speeds up to 225 kilometers per hour, property damage in the amount of two billion euros in Germany alone – Kyrill was a huge and heavy storm. More specifically, Cyril was a hurricane that easily reached the wind force 12 on the Beaufort scale. This is at 118 kilometers per hour. So Kyrill was almost twice as fast in the lead.

The limit, from which wind speed storm damages are taken over by the insurance, lies with wind force 8 . On the one hand, the insurers base their claims settlement on the information and observations of the German Weather Service. On the other hand, typical storm damage in the neighborhood is taken into account as an indicator for the assessment of storm strength.

Effects of winds of magnitude 8 to 12 on land

wind strength
designation wind speed Effect on land
8th Stormy wind 62-74 km / h Large trees move, shutters are opened, branches break from trees, pedestrians are severely handicapped.
9 Storm 75-88 km / h Branches break from trees, minor damage to houses possible, roof tiles and chimney covers are raised, garden furniture is overturned and blown away, pedestrians are significantly hampered.
10 Heavy storm 89-102 km / h Trees are overturned or uprooted, causing major damage to homes.
11 Hurricane storm 103-117 km / h Violent gusts, extensively uprooted or bent trees, heavy storm damage to houses, covered roofs, cars are thrown off the track, walking is no longer possible.
12 hurricane from 118 km / h Heaviest, long-range devastation in forests and on houses.
  • Source: Wikipedia / Deutscher Wetterdienst

Who pays for storm damage?

Storm damage can occur on and in buildings, as well as on cars. But which insurance is responsible and when? We explain who pays. In particular, three insurance policies (homeowners, household contents insurance and comprehensive insurance) apply in case of storm damage, but under certain circumstances extra protection through liability or supplementary insurance is necessary.

When the building is affected

The most and most expensive storm damage occurs on buildings: the roof is partially or completely covered, the chimney falls over, a nearby tree collapses and falls through the large windowpane in the living room. Such damage covers the homeowners insurance. Storm and hail damage is usually included in the insurance coverage. Outbuildings such as a garage or garden shed are also secured. If the storm causes hail damage to the house, it is also secured.

Floods and backwater are different: If water enters the building in heavy rain and floods the basement, the damage is not covered by the residential building insurance but by the natural disaster insurance. You can not take out this insurance separately; it is available as an add-on module to homeowners insurance and home contents insurance. In addition to landslides or avalanches, the loss event that is caused by heavy rainfall in the sewer system, which continues through the sewer pipe into your building, is also covered.

A shell-built building is particularly susceptible to storm damage. Walls, scaffolding or rafters can easily be knocked down by the wind, as well as any material that is stored on site and not properly secured. Damaged or destroyed components and building materials replace a bodyshell insurance . You can also take out this insurance as an additional component to the homeowners insurance.

When the car is affected

The comprehensive insurance is responsible for storm damage to the car and the motorcycle. However only at wind force 8 and higher. In fully comprehensive insurance , damage is often secured by lower wind speeds. Damage caused by flying branches or roof tiles. However, if you cause an accident during the storm, all-inclusive insurance will cover all damage to your car.

If you cause harm to others

As a tenant, you are also responsible: If a flower box is blown from your balcony and meets a pedestrian, you can be held liable for all damages that arise. This ranges from destroyed briefcases to treatment costs and life-long pensions – if the passer-by was miserably hit in the head and then can no longer work. Without private liability insurance you bear the costs in full – the financial ruin threatens.

For homeowners and terraced house owners, the conclusion of a homeowners liability insurance is strongly advised. This takes over the costs if, for example, during the storm, a roof tile hits a car parked next to the property. The same applies to personal injury caused by flying objects originating from your property.

Fallen Tree: What kind of insurance is available for the costs?

Heavy storms usually mean that many trees are overturned or uprooted. Roads are blocked, houses and gardens are damaged. Of course, those who are affected want to know who pays for the damage caused by a fallen tree. Which insurance is responsible, depends on whether it is the own tree or that of the neighbor and in which direction the tree is overturned.

  Own property Land of the neighbor
Own tree crashes
  • Own homeowners insurance
  • Own house and landowner’s liability
Strange tree crashes
  • Own homeowners insurance


  • Property and landowner’s liability of the neighbor
  • Residential property insurance of the neighbor

If a fallen tree causes damage to your own home, homeowners insurance usually covers the costs of repair and maintenance. However, the insurance cover also includes all expenses related to the removal and disposal of uprooted or folded trees. This means that you should inform the homeowners insurance even if the tree has left no direct damage to the residential building, but “only” devastated the front yard.

The liability insurance , however, jumps in when the homeowner has caused a storm damage to others – so if the tree has fallen on the neighboring property and there, for example, tore down part of the roof. But before she pays, the insurance first checks whether the tree owner can really be held liable. Storms are considered to be “force majeure”, which means that the tree owner does not have to pay, provided that he has fulfilled his legal duty of public safety.

Example: If the landowner has not secured or felled a rotten tree and this damages the neighboring building during a storm, this is a case for liability insurance. If it is a healthy tree that did not give rise to safety measures, the tree owner can not be held responsible.

The legal duty of public safety

Homeowners are subject to a legal duty of care. In the legal sense, this is understood as an obligation. This means you have to make sure that your house and property are in a safe condition . Structural deficiencies that could endanger pedestrians must be remedied immediately. Therefore, all trees on the property should also be checked regularly. The GDV recommends carrying out a tree inspection twice a year: once in leafy, once in non-leafy state.

At visual inspection you should be aware of suspicious clues: Is the strain infested with rot? Have roots lifted? Are there branches that protrude too far over the property? Do you need to remove dry branches from the tree crown? Even if a tree gets too old, safety may not be there anymore. Then the tree has to be felled. If you as a homeowner can not assess the condition yourself, you should consult a professional arborist or another specialist.

Avoid storm damage: What homeowners can do before a hurricane

If the German Weather Service issues a severe weather or hurricane warning, homeowners should take it seriously. This means in particular to properly prepare the house for the storm and eliminate potential sources of danger that can cause a storm damage . Therefore, you should fix all loose items in the garden and on the terrace in good time before the storm. Chairs and tables should be safely placed or tethered. Flower pots and decorative elements – for example, lanterns in summer or fairy lights in winter – belong in the house.

Close all windows in the house . This is the only way to avoid sudden draft, which can cause damage to the windows and the living spaces. Temporarily you should also close cellar and roof windows. This is especially important in winter: In heavy storms, temperatures can drop abruptly. If the basement window is still open, there is a risk that lines freeze and burst.

Your awnings are best used completely. For roller shutters, the rule is: completely or not at all. Either lower them completely or pull them up high. But if the shutters are halfway up, the wind can easily reach underneath and push the roller shutter out of the guide. The same applies to folding shutters: These too should either be completely closed or completely opened and then fastened properly.

You should definitely do that before a storm:

  • Fix loose objects
  • Close the window
  • Shutters up or down completely
  • Check downpipes and gutters
  • Check the backflow flap

Storm damage on or in the house: What should I do?

Once the storm has cleared, tidying up begins: An inspection tour over the terrain shows you whether the storm has caused any damage. If you notice storm damage, be sure to act. You then expect several tasks:

  • Report damage: You must report storm damage to your insurance immediately: by telephone, e-mail or contact form. You do not have to enter detailed information yet, this will happen later.
  • Keep damage low: You are subject to a loss reduction obligation. That means you have to keep the damage as small as possible. If the storm has destroyed a window, you must cover it with a tarpaulin to prevent the ingress of moisture. Otherwise, the insurance may not cover the costs of consequential damage. Even the household items that are in the affected areas, you should bring to safety. You must clear away any surrounding branches or broken gutters in order to reduce the risk of injury to yourself and others. However, your safety has priority: you do not take too risky actions – even for the sake of your health.
  • Documenting Damage: In the event of a storm, your insurance company will usually send a surveyor to assess the extent and extent of the damage. Until then you should not change the location of the damage. If this is not possible, keep everything on photos, if possible from different perspectives. This way, your insurance company can later come up with its own image. Damaged items should also be stored until the damage has been regulated – or the insurance company has no objection to disposal.
  • Damage repaired: But not without consultation with the insurer. Only after receiving a written approval should you assign repair orders to craftsmen or other service providers or buy new damaged items. Should a comprehensive assessment be necessary, the storm damage will not be immediately replaced by the insurance. First, it checks the obligation and damage amount. But four weeks after the claim, you can claim a discount – for all storm damage, which is beyond dispute.

Conclusion: Insurance against storm damage will become more important in the future

The GDV warns against the serious consequences of climate change in a study that was developed in cooperation with climate researchers. Thus, not only the damage caused by floods, comparable to the “flood of the century” of 1997, 2002 or 2013, will increase. The number and impact of extreme storms will also increase . So far, every 50 years, hurricanes such as Christian, Xaver or Felix threaten every 10 years in Germany. Therefore, it is even more important in the future to hedge against storm damage with the right insurance . Already in advance you should take a closer look at your insurance policy: Is the insurance coverage sufficient? In older policies, for example, garden sheds or garages are not necessarily secured. Votes price and performance? Compare your insurance with other providers: There may be an insurer offering the same (or more) services at the same (or lower) price.

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For the vacation of a lifetime, rent our luxury beachside four bedroom villa in Akumal, Mexico

Latest news about Akumal Mexico
Scuba Diving in Akumal Mexico

Whether you’re an experienced diver or wanting to learn the art, Akumal provides the perfect ecological setting to view amazing specimens of natural beauty underwater. Akumal is a tourist resort community located 62 miles south of Cancun, between Playa del Carmen and Tulum, with a tiny local population of 1,198.
The name “Akumal” means “place of the turtles” in the Mayan language. Surrounding bodies of water and fine, white sandy beaches provide the perfect setting for many sea turtles’ breeding grounds.
Akumal was founded in 1958 specifically as a community for scuba divers to experience the many species and types of turtles which call the area “home”. Akumal Bay and Half Moon Bay provide optimal opportunities to survey the land and underwater life via diving tours and expeditions.
For experienced divers, local dive shops offer a variety of exciting diving trips to the 30 reef sites which include shipwrecks, cenotes and caverns and a breathtaking amount of marine life that you can look. The dive store makes every the arrangement and you can rent a tank, mask, flippers and anything else you need. You can book an everyday diving excursion or if you are more adventurous, you can dive the caves, caverns, and cenotes that make Akumal famous. People from every over the world arrive to explore the cenotes and caves of Akumal and this tiny village is truly a diver’s paradise.
Dive shops also tutor courses so you can receive certified to dive in open water. They tutor at every levels from a resort course to advanced cave diving. And what better place to learn to dive than Akumal, one of the best places in the world to go diving? These PADI Certified Instructors will guide you through the process of certification so you can like exploring the wonders of the reef that awaits you in Akumal.
Cavern and cave diving is a popular activity for tourists. These caves are called “cenote”, which means “sacred well” in Mayan. Dive packages offer several destinations and different depths of diving, group packages, equipment rental and instruction to fit varying diver needs.
One of the shallow diving sites which are very popular is Cuevas de Tiburones. This site features reef overhangs which provide an optimum sleeping spot for nurse sharks. Las Redes offers an abundance of marine life, schools of fish, barracudas, stingrays, lobsters and sea turtles. Yal-Ku is a popular feeding site chock full of Elkhorn coral structures, tunnels and lobster.
Other shallow dives are found at Dick’s Reef and Motorcycle Reef. Motorcycle Reef is named so for the 15-year-old motorcycle which is now covered with live coral and plankton that nourishes local ocean life.
Deep divers like an afternoon at Tzimin-Ha, which features ruins from a 20-foot fishing boat wreck. Dives up to 100’ deep are found at Trigger Fish, which is a favorite deep dive spot for locals. Here, widespread patches of coral contrast with the sandy white beaches among various forms of tropical fish for a colorful array of rare surroundings.
Xaar Beach and Gonzalo’s Reef offer various types of feeding grounds for several different species of sea turtles for a once-in-a-lifetime diving experience. Xaar features reef fingers reaching 30’ up from the ocean floor, as well as turtles, nurse sharks, and stingrays. Gonzalo’s Reef is famous for its big and vivid reef fingers; visitors are virtually guaranteed a view of Hawksbill, Green, or Loggerhead turtles which use the area for feeding and play time.

Spend a Day at Mexico’s Xel-Ha

Xel-Ha is known as a unique eco-park located south of Playa del Carmen, about 15 minutes from our villa in Akumal. It lies on the eastern coastline of the Yucatan Peninsula, the archaeological site of the Mayans in pre-Columbian Mesoamerica.
Multiple leisure, ecological and natural attractions offer ٩◔̯◔۶ loans for bad credit direct lenders I like it~ activities for the entire family to like themselves. The unique open-sea aquarium allows visitors to view ocean life in their natural habitats unaltered and not disturbed.
Swimming with trained dolphins is also a popular activity for tourists, which is not found easily in surrounding areas. Animal and nature lovers like spending time in the water with these gentle creatures, and have a wonderful story to bring home to their family and friends!
Snorkeling is also ideal in the local lagoon. The coral is dead there, but regular feeding keeps the many types of colorful fish returning for more. Some snorkelers will have another party feed the fish while they view the swimming visitors from below.
There is a river which starts in a natural spring, and inner tubes are available to float to the end. This provides a relaxing complement to an afternoon nap in a hammock on one of the local beaches as well.
More adventurous spirits like climbing and diving from the local cliffs in Xel-Ha, exploring the Mayan cave, and touring the local Xel-Ha ruins. These ruins are largely untouched and totally original, with a unique look into past centuries and architectural contributions.
Hammock Island, Xpa, Bay of Caprices and The Beach are popular hotspots for those who wish to lounge and experience the leisurely activities at Xel-Ha. Chacah Garden, the Mayan Wall, the Apiary and Plant Nursery provide unique ecological attractions for plant life lovers. Natural wonders are also seen at the Inlet, El Dorado Cavern, Ixchel’s Gulf, the Mayan Cave, Chaac Mangal, and many Cenotes.
When visiting Akumal, Xen-Ha is an easy day trip that will please the entire family and offer plenty of varying activities. Reasonably priced and unique to the area, activities middle around relaxation, fun and exploring historical and natural wonders.
Water sports lovers will like the inner tube ride, cliff diving and snorkeling in the lagoon. Nature lovers like swimming with the dolphins and exploring the multiple forms of plant and animal life in the area and those curious of the historical roots of the Peninsula have plenty of opportunities to explore Mayan ruins and advanced architectural influences for that era.
Our kids and grandchildren always plan to spend the whole day at Xel-Ha every time they visit Akumal. There is so much to do they never receive sleepy of returning year after year. They like riding a bicycle through a path in the jungle, jumping off cliffs into the limpid blue sea, swimming with the dolphins, and walking through stingrays on the bottom of the sea.
This year for the first time they signed up for the Sea Trek. They wore a technologically advanced helmet that looks like deep-sea diving equipment. Sea trek required no previous training, diving or otherwise. Experts will be close at hand at every time during the walk, aiding them in every way and satisfying every curiosity concerning the aquatic walk of a lifetime. They every said it was a walk they would never forget!
We highly recommend you visit Xel-Ha on your next trip to the Yucatan.

Visit Mexico
Mexico is one of the most desired tourism places to visit in the world among most people. This city is huge and has many tourist spots that are fantastic tourist spots and also very popular as tourist destinations in the world. Mexico is one place that suits any nice of visit, be it with your family, with your friends, alone or even a romantic honeymoon. The place has many wonderful landmarks and many beaches which steer a number of tourists from every over the world.
Mexico also has a billion dollar industry which is dedicated strictly to please the visitors and tourists with full dedication in making them have a great time in the city. However, the experience of a tour is best experienced if you have a pre-packaged tour from a good tour company. These tourism companies in Mexico would be surely dedicated and to make sure that the visitors have a great time on vacation in the city and go home with a complete satisfaction and memorable time and also with lots of wonderful images and videos of the amazing sights in the city.
Every year, millions and billions of people turn over to this place from every over the world for holidays, making this place so special and famous. This is why it is obvious to say that Mexico is a stunning country where anyone would and should go to in their life to experience the ultimate tourism experience. This place is a very wealthy and diverse country, so you will surely have a lot in the stake to look even on the end of your trip if you go to the place with few days in hand. For this reason, to have the best time in Mexico, visit the pace with lots of time in hand. You will surely adore the place and the experience of being to such a fascinating city.


Mexico is the best at providing a friendly atmosphere and offers the best culture inherited from ancient times. The city also offers a great variety of food, a number of cultures that one would adore to witness and also architectures and impressive and influencing traditions that are so unique that it would be a remarkable experience for someone who would visit the place for the first time.
Mexico has a number of places to visit but what makes it harder is choosing what every places to visit when you are in short of time or when you would expect to look the best part of the city. So here is a list of the best places that one must visit when they are in Mexico to look the most fascinating side of Mexico.
Along the coast of the Sea of Cortez: in this part, you can find a number of beautiful beaches, ports, and villages where it would be best to spend the holiday with the best moments.
• La Paz: La Paz is typically the true Mexico. It gives you an old world charisma with a primitive lifestyle of the place making it a place with a preserved culture of Mexico. This place is stunning in its beauty.
• Isla Partida: This place is a wonderful island and one of the most beautiful places in Mexico which cannot be missed at any cost. Many water sports and adventures can be experienced and also scuba diving is allowed to explore the blue deep water and have a thrilling experience.
• Puerto Vallarta: Said to be the liveliest and most sophisticated towns of Mexico which are encircled by wooded hills and a stunning bay on either side of the place.
• Acapulco: This is a party pace in Mexico. The most vibrant places of the city can be found in this place and the beaches give an exuberant effect to the party place with their golden sand and the posh cafes and pubs to chill and like your time
• Manzanillo: This part of the city is a very busy port town. The place is best to spend time along the beach in the sun and also to have a great time in nightclubs and restaurants to witness the energetic nightlife.
• Mazatlan: Mazatlan is a destination that is one of its kinds in the world. It is also a historic town and the beach here is very popular. The town has marvelous cobbled streets and alleys that guide to the historic buildings. There are also tiny hotels that serve the best food in Mexico and the town also has museums that preserve the ancient culture of Mexico and displaying the wealthy cultural heritage of Mexico.