How to Get Financing For Your Small Business In the current unfavorable economic climate, access to capital is an important factor in distinguishing companies that can grow and gain market share from companies that experience significant declines in revenue. This is because many small companies have seen a significant decline in sales and cash flows, while many companies have closed their doors and many large U.S. companies have been able to increase sales and open new sales operations. Retail and increase yield per share. This is because small companies have always relied on traditional commercial bank financing, such as SBA loans and unsecured loans, while large state-owned companies have access to capital in the stock market or public markets. Bond market. Prior to the 2008 financial crisis and the Great Depression, the largest commercial bank in the United States simplified monetary policy and provided public credit to small businesses with good credit ratings and industry experience. Many of these business loans are unsecured loans and unsecured installments. Often, these loans are fully supported by the employer's personal guarantee. This is why you need a good personal loan to get an approved business loan. During this period, thousands of small business owners used loans and business loans to access finance capital for their working capital needs. Relationship. Easy access to these capital resources allows many small businesses to develop and manage their cash flow needs. However, many business owners are overly optimistic and many create strong growth forecasts and risk segments. As a result, many business owners have begun to expand their businesses and take out large loans from small business lenders, which expect to be able to repay higher loans due to future growth and increased profits. As long as banks follow the "easy money" policy, asset values will continue to rise, consumers will continue to buy, and business owners will continue to jump. But in the end this party will end soon. As the 2008 financial crisis began with the sudden collapse of Lehman Brothers, one of the oldest and most well-known banking institutions on Wall Street, financial panic and epidemics spread through the credit market. Subsequent credit market freezing caused the US financial system to stall. Banks stopped lending yesterday and suddenly ran out of easy cash, which pushed the value of assets, especially house prices, to rise in recent years, which has now led to a sharp decline in the value of similar assets. When the value of an asset increases sharply, the balance sheets of commercial banks decline and stock prices fall. Gone are the days when you could easily make money. The party is officially over. After the financial crisis, the global economic crisis has created imbalances in the capital market. The only commercial bank that easily and conveniently provides money to small businesses and small business owners who have no capital on the balance sheet. Bank threatens their life. Many commercial banks have blocked access to company lines of credit and inquire about outstanding business loan balances. Small businesses that rely on this line of working capital credit cannot meet their cash flow and credit needs. Many small businesses have been unable to cope with sharp and dramatic declines in revenue and profits. Since many of these small businesses create millions of jobs, the unemployment rate rises every time one of these businesses collapses. As the financial crisis intensifies, commercial banks are nearing their final starting point and are in danger of bankruptcy of the entire financial system. Congress and the Federal Reserve are urging taxpayers to finance the entire banking system, but the damage has been done. Billions of dollars are invested in the banking system to compensate for inefficient institutions. However, in the process, these banks do not have loan arrangements for private customers or companies. Part of the tax is that instead of supporting small businesses and preventing unnecessary business clashes and rising unemployment, thousands of commercial banks are denying business access. Small and small business owners. In the past, even after receiving savings accounts from taxpayers, commercial banks maintained an all-in-one approach and restricted access to credit and lines of credit. Enter a credit rating or payment on time. Small business bankruptcies are on the rise and unemployment is high. At the same time, the lack of capital by commercial banks means that SMEs do not exist, so large government owned companies can survive and grow businesses. More importantly, they can increase their equity by lending through the bond market or by issuing shares through the stock market. Banks have appropriated thousands of small businesses, paid off existing commercial loans and refused to offer new loans to small businesses, and large companies raised billions of dollars in capital. new. Even in mid-2012, four years after the financial crisis began, most SMEs were unable to access capital. Commercial banks continued to promote unsecured loans for most small business households. To have the opportunity to get a small business loan or a business loan, a small business must have collateral that banks can easily sell for a business loan or an amount equivalent to a business loan. For small businesses with collateral, even through SBA, there is little chance of getting a loan without the necessary collateral, such as equipment or supplies. Where the small business cannot provide collateral for a small business loan, the commercial bank will require the owner of the small business to borrow with his own property or personal property such as home ownership or money face. Check, Savings or Retirement Account as a 401K or IRA. The second puts a business bankruptcy that puts the personal property of its owner at risk. Additionally, almost all small business loans require personal credit and excellent FICO scores, but also a personal guarantee. Finally, the financial statements, including the corporate tax return, highlight the need to ensure sustainable returns in most small business loan applications. If you fail or do not meet any of these strict requirements, applications for most small business loans or commercial credit lines may be denied immediately. In most cases, business loan proposals are issued to applicants who meet all of these requirements. Therefore, there is no guarantee that a business loan application will be approved in the post-financial environment if you qualify with a good personal credit history, collateral, reliable financial reports and tax return. Access to capital for small businesses and small business owners is harder than ever. As a result of this constant capital vacuum, small businesses and small business owners began to look for alternative sources of business capital and business loans. Many small business owners looking for cash flow to fund existing operations or funds have found alternative business financing using credit card loans for cash trading and small business loans offered by private investors. Merchants who have these cash advances have a significant advantage over small businesses and small businesses over traditional commercial bank loans. Cash loans, sometimes called factoring loans, are based on the average amount of credit cards processed by a merchant or store over a period of three to six months. Virtually guaranteed credit card prepayment is accepted by any merchant or retailer who accepts credit cards as a customer payment, including Visa, MasterCard, American Express, or Discover. The total cash advance owed to the trader is determined on average over those three to six months, and the amounts are usually credited to the company's current account within seven to ten days of approval. The fixed amount is maintained and the advance and interest are determined after the advance payment has been approved by the lender. For example, if a merchant or reseller processes consumer credit cards on a daily basis, the average credit card is $ 30,000 per month. If the customer receives a prepayment of $ 30,000 and a multiplier of $ 1.20, the total refund is $ 30,000 plus a 20% discount of $ 30,000 or $ 6,000 for a full refund of $ 36,000. Thus, the merchant has $ 30,000 in the checking account and $ 36,000 will be refunded. Refunds are made with some deduction from the potential credit card seller's daily sales - typically up to 20% of the credit cards processed that day. Therefore, the seller does not have to write a check or send money. A fixed interest rate can be easily deducted from the sale of a future loan until $ 36,000 is paid. The advantage of financing these types of commercial bank loans is that the seller's financial process is not reflected in the business owner's personal credit report. It effectively separates the small business owner's personal economy from small business financing. Another benefit of improving business credit cards is that approval does not require a personal guarantee from the business owner. If the business is unable to repay the loan in full, the business owner is not personally liable and may not be required to provide a personal guarantee for the development of the business. Owners, cancellers and business managers of commercial debt financial transactions of banking companies that require personal guarantees are still forced into personal bankruptcy if the business goes bankrupt and the remaining debt is not paid. . .. A third unique feature is that prepaid credit card sellers do not need additional collateral as additional credit insurance. The following credit card lenders lose money, so there is no additional collateral. This type of financing is another attractive option for buyers, as most small businesses do not have any tangible assets other than the traditional promises of traditional bank loans. Thousands of online shops are trying to get to the capital. These companies as creditors are not well supported and are automatically rejected by ordinary loans. Finally, the granting of a prepayment by credit card is not based on a high personal or absolute debt of the owner of the company. In fact, an employer's debt can be daunting and a FICO score can be low, which doesn't stop a business from accepting payments. The credit of business owners is generally only examined for the purpose of determining the level of participation in loan repayments. However, a business owner who has just suffered a personal loss is also eligible for a secured credit card loan. Business credit card development loans are offered by a network of retail investors, so these lenders are not dominated by the new capital requirements that limit the industry. Commercial bank. The prior agreement of the seller is determined on the basis of the directives given to the network by the private lenders. Each loan application will be reviewed and monitored on a case-by-case basis and approval will be issued within 24-48 hours of receipt of a complete application, including 3-6 months. Previous debt report. Credit card seller.
/

Casting Film

Ditulis oleh Jumat, 21 Mei 2021 Tambah Komentar Edit
Pagi hari di kantor mewah sebuah perusahaan film nasional. Seorang gadis cantik sedang diwawancara oleh manajer casting perusahaan tersebut. Pewawancara adalah seorang pria bernama Toni berumur 28 tahun keturunan India.

"Namanya siapa?" kata Toni lalu duduk dan mengambil setumpuk kertas di mejanya.
"Santi, lengkapnya Beznifa Santi Putridewi." jawab gadis itu.
Toni lalu mencari file gadis itu di tumpukan kertas yang dipegangnya.

"Tinggi 170 cm, berat 50 kg, umur 20 tahun," Toni mengguman sendiri membaca data di depannya.
"Pernah main Sinetron atau pementasan sebelumnya?"
"Belum pernah."
"Kamu tahu bakat kamu apa?"
"Saya bisa menyanyi, tenis dan bakat yang terbesar menurut saya adalah akting."

"Kok tahu bakatnya akting?"
"Saya ahli mempermainkan perasaan orang Pak," jawab Santi sambil tersenyum malu mengakui jika dia sering mempermainkan orang.
"Bapak bisa buktikan sendiri," tambahnya.
"Mempermainkan bagaimana maksudnya?"
"Saya bisa pura-pura menangis, sampai keluar air mata. Saya juga bisa marah atau membentak-bentak orang padahal dalam hati sih biasa aja."

"Oke.. saya ingin lihat itu, tapi nanti saja..!"
"Oh ya, Kamu panggil saja aku Toni. Tidak usah terlalu formal OK..!" tambah Toni.
"Iya Pak."
"Tu kan..!"
"Oh iya." tersipu Santi, ternyata dia masih memanggil Toni dengan Pak.
"Baik Ton.!" kata Santi terlihat canggung waktu mengucapkannya.
"Ha.. ha.. ha.. ha..!" berderai tawa Toni melihat keimutan gadis di depannya.

"Cantik juga gadis ini, seksi, lugu, kulitnya putih. Wajahnya sangat keibuan, mirip Nia Daniati. Tubuhnya memang langsing tapi susunya montok juga. Andai saja dia istriku, pasti aku sarungan terus. Ha.. ha.. ha.. ha.. ha.. Kira-kira dia mau nggak ya?" Toni berkata dalam hatinya sambil tersenyum-senyum.

"Coba aja ah..!"
"Ya Ton?" Santi memajukan kepalanya, disangka Toni berkata padanya.
"Oh nggak..!"

"Kamu benar-benar ingin peran ini?" tanya Toni.
"Sangat ingin Ton.."
"Kamu tahu peran utama di film ini?"
"Tahu, yaitu seorang Gadis yang mengandung karena diperkosa, lalu memilih untuk membesarkan anaknya sendiri," jawab Santi.

"Pada adegan perkosaan, kamu mau memerankan sendiri tanpa pemain pengganti?" Toni ingin mengetahui keberanian gadis itu.
"Mau Ton."
"Tidak pa-pa sama keluarga?"
"Nggak.." Santi memang dari keluarga liberal. Dia mengabiskan masa SMA-nya di USA mengikuti ayahnya dinas.
"Ternyata kamu memang ingin sekali peran ini ya?"
"Iya Ton, aku mau peran ini sebagai awal dari karirku di dunia film."

"Apakah kamu tahu pendatang baru di dunia film mau melakukan apa saja untuk dapat peran?"
"Aku tahu Ton, Aku juga mau melakukan apa saja agar diterima."
"Aahhh..! Benar kamu mau?"
Santi mengangguk.

"Kamu bersedia jika diminta berhubungan seks?"
"Bersedia Ton."
"Jika diminta mengulum penis, sorry nih ya, apakah mau juga?" tanya Toni sambil tersenyum. Toni merasa penisnya mulai berdenyut-denyut.
"Mau Ton.."
"Kok mau?"
"Habis Toni ganteng sih, Ha.. ha.. ha.. ha.. ha.." tawa Santi berderai mendengar jawabannya sendiri. Toni pun tertawa mendengarnya.

"Entar kamu lapor polisi."
"Kok lapor polisi, kan dua-duanya senang," jawab Santi sambil tersenyum.
"Apakah kamu pernah melakukan sebelumnya?"
"Dua-duanya pernah Ton."
"Maksudnya?"
"Ya melakukan seks pernah, mengulum penis juga pernah."
"Ooohh.. dengan siapa?"
"Dengan pacar," jawab Santi.
"Di mana?" Toni tertarik untuk mengetahui lebih banyak tentang kisah seks Santi.
"Di rumah, 2 tahun yang lalu waktu semuanya lagi pergi."
"Awalnya gimana?" lanjut Toni lebih semangat.

"Waktu itu kami ganti baju untuk berenang, tapi karena ganti bajunya bareng satu kamar, kami jadi sama-sama terangsang. Terus mulai deh kami bercumbu dan akhirnya kami berhubungan seks."
Toni merasakan penisnya semakin keras. Ingin rasanya menyelipkan penisnya dalam vagina milik gadis cantik di depannya.

"Kamu mau nggak menceritakan secara lengkap?"
"Kok gitu Ton?"
"Kok gitu gimana?"
"Kenapa... kenapa nggak kita aja yang melakukannya?" kata Santi. Santi merasa dengan begitu maka peran itu pasti jatuh ke tangannya.
"Ooohh, aku ingin dengar cerita kamu dulu aja deh."
"Diringkas aja ya Ton?"
"Iya..!" jawab Toni tidak sabar.

"Kami waktu itu akan berenang, rencananya mau ganti baju renang di kamarku. Setelah masuk kamar, kami mulai membuka baju. Aku membuka lemari pakaian, lalu membuka kaos dan celana pendekku. Sehingga aku tinggal memakai baju dalam saja. Risih juga berpakaian seperti itu di depan orang lain. Tapi ini kan pacarku, jadi ya kupikir tidak apa-apalah. Aku melirik ke samping, terlihat pacarku sudah membuka seluruh pakaiannya dan tinggal mengenakan celana dalam saja. Berdesir juga tubuhku. Aku merasa bibir kemaluanku mulai berdenyut, "Santi menggigit bibirnya.

"Kalau tidak ingat aku ini perempuan pasti langsung kudatangi dia. Kuputuskan untuk lanjut mencari baju renang. Ketika sedang memilih baju renang yang merah atau yang biru, kudengar pacarku melangkah mendekat. Makin dekat dan makin dekat, lalu terasa hembusan nafasnya di leher ini. Waktu itu aku merasa tegang sekali, menduga-duga apa yang akan dia lakukan. Jantungku berdetak kencang dan vagina ini sepertinya berdenyut-denyut," kata Santi sambil memegang rok bawahnya.

"Tiba-tiba dia menelusupkan tangannya di antara pinggang, memelukku dan merapatkan badannya, sehingga punggungku dan dadanya bersentuhan. Dia mencium telingaku, gelii banget.." Santi berkata sambil mengangkat pundaknya seakan dia sedang kegelian di bagian telinga.

"Dia mempererat pelukannya sehingga dadanya makin rapat ke punggungku. Ciumannya lalu turun ke leher, rongga vaginaku rasanya makin berdenyut dan rasanya agak basah di bibirnya. Lalu pantatnya mulai bergerak-gerak digesekkan naik turun ke pantatku. Terasa benjolan penisnya di antara belahan pantatku. Selama itu aku diam saja karena tidak tahu harus bagaimana. Setelah beberapa menit dia membalikkan badanku sehingga kami saling berhadapan."

"Diciumnya bibir ini, kami saling berpagutan. Lidah kami saling bersentuhan, kadang bibirku disedot, kadang digigit. Nikmat sekali rasanya. Tidak pernah saya merasa sesenang itu. Tiba-tiba dia melepaskan ciumannya dan membopong tubuh ini. Digendong ke arah tempat tidur. Aku direbahkan, sebenarnya malu juga terlihat dalam keadaan seperti ini dari depan tapi karena aku juga sudah terangsang aku mau aja," Santi berhenti sebentar. Tak lama dia melanjutkan lagi.

"Pacarku lalu membuka bra-ku dilanjutkan dengan celana dalam. Pada saat dibuka gesekan antara tangannya dan kulitku menimbulkan perasaan yang nikmat sekujur tubuh. Aku merapatkan pahaku karena aku benar-benar malu. Melihat itu pacarku lalu memegang pahaku dan membuka secara perlahan lalu dia bilang jangan tutupi keindahan tubuhmu, selain itu aku kan pacarmu," Santi berhenti sejenak lalu melanjutkan lagi ceritanya.

"Pahaku membuka begitu juga vaginaku, aku mencoba melihat apa yang terjadi pada kemaluanku saat terangsang. Kulihat warnanya menjadi lebih merah, bibir luarnya telah membuka dan kurasa vaginaku lebih tebal dari biasanya. Terlihat ada lendir yang menetes keluar," Santi lalu menyilangkan kakinya.

"Setelah itu, dia pegang bahuku. Dia pegang dan belai rambutku yang terurai di bahu. Perlahan-lahan dilepaskan celana renang dan celana dalamnya. Kulihat tubuh pacarku yang telanjang di depanku. Dia lingkarkan tangan di pinggang dan mulai mendekapku lembut. Kami berpelukan dan bertautan bibir sambil jari-jarinya meraba dan menggosok seluruh badan."
"Kok lama amat sih pemanasannya? Kapan penisnya masuk ke vaginamu?" Toni sudah tidak sabar.
"Ceritanya lebih cepet dong..!" tambahnya lagi.
"Tuh kan, nggak sabar. Sudah penis kamu aja yang diselipkan. Setelah itu terima aku main di film," kata Santi. Selain dia ingin kepastian dapat peran, dia juga merasa terangsang mendengar ceritanya sendiri. Terasa vaginanya sudah lembab.

"Oooh nggak.. nggak..! Lanjutin aja. Aku pengen tahu bagian vaginamu meremas-remas penis pacarmu."
"Kalau itu yang kamu mau!" Santi membenarkan letak duduknya dan melanjutkan ceritanya.

"Setelah itu dia mengusap kedua susuku. Diremas dan dipermainkan putingnya sambil menggesek-gesekan batang penisnya ke perutku. Lalu dia mencium payudaraku, perlahan diturunkan ciumannya ke bawah. Bibir kemaluanku dijilat, dijulurkan lidah dan menusuk ke dalam lubang vaginaku. Dijilat, terus jilat dan dijilat sambil tangannya meremas-remas puting payudaraku. Aku terus melihat ke bawah mengamati perubahan yang terjadi di kemaluan ini. Setiap lidahnya dijulurkan ke dalam, maka vaginaku makin terbuka. Bibir vaginaku ditarik oleh giginya, rasanya sakit tapi nikmat maka vaginaku akan monyong ikut tertarik. Kelihatan vaginaku berdenyut setiap lidahnya mengusap permukaan klitorisku.."

"Setelah sekian menit dalam posisi ini, ada rasa yang tidak pernah aku alami sebelumnya. Sangat nikmat. Otot vaginaku seperti tersedot-sedot. Rasanya aku ingin menjerit-jerit dan berteriak untuk melampiaskan nikmatnya. Aku baru tahu kalau itu yang namanya orgasme," lalu Santi terdiam seperti mengenang saat-saat itu.

"Jangan bilang kalau ceritanya sudah selesai, mana cerita kalian berhubungan seks dan kamu mengulum penisnya?" Toni curiga cerita Santi telah selesai melihat Santi diam.
"Kok kamu diam sih..? Dia kan belum orgasme. Mana mau dia cuma muasin kamu aja. Dia pasti ingin juga ngerasain orgasme," lanjut Toni agar Santi melanjutkan ceritanya.
"Itu kamu tahu. Kamu aja deh yang ngelanjutin," sahut Santi sambil tersenyum.
"Waduh..! Kamu ngerjain saya ya? Ya nggak mau dong..!" jawab Toni ikut tersenyum.

"Hi.. hi.. hi.. hi.. hi.." berderai tawa Santi melihat reaksi Toni. Lalu Santi menarik napas sebentar dan melanjutkan ceritanya.

"Lalu dia merebahkan badanku ke kasur. Didekatkan pinggulnya ke selangkanganku. Pahanya berada di bawah pahaku. Aku tahu dia akan memasukkan penisnya. Sesungguhnya aku tidak tahu apakah aku juga menginginkan hal itu. Terasa kepala penisnya sudah menempel di bibir vaginaku. Geli juga rasanya. Tiba-tiba aku tersentak karena rongga vaginaku terasa penuh. Tidak jelas rasanya, antara perih dan nikmat.."

"Vagina kamu memijat-mijat penisnya tidak?" tanya Toni bersemangat. Dia membayangkan nikmat yang dirasakan pacar Santi.
"Ya nggak tahu dong. Kan dia yang rasain," jawab Santi.
"Kalau yang saya rasain, vagina saya berdenyut-denyut, dan hangat sekali. Aku mencoba mendongakkan kepala melihat ke vaginaku, kemaluanku lebih menggelembung dan tebal. Kulihat juga pacarku memaju-mundurkan penisnya ke dalam vaginaku. Vaginaku akan monyong setiap dia menarik penisnya dan akan ikut masuk setiap dia menekan penisnya."

"Pacarku mendongakkan kepala dan memejamkan matanya. Peluh membasahi seluruh tubuh dan wajahnya. Makin lama rasa perih di kemaluanku makin hilang, yang tersisa hanyalah rasa nikmat yang luar biasa. Aku pun ikut menaik-turunkan pantatku berkebalikan arah dengan gerakan pacarku. Setiap permukaan vagina dan klitorisku menyentuh pangkal penisnya rasanya indah sekali.."

"Setelah itu yang kutahu aku memejamkan mataku, lalu aku merancau tak menentu. Hingga kurasakan rasa yang tadi kualami, vaginaku kembali seperti disedot-sedot. Aku berteriak dan menggigit bibirku. Rasanya lebih nikmat dari orgasme pertamaku. Tidak lama pacarku juga berteriak. Ouughh katanya," Santi tersenyum ketika dia menirukan ucapan pacarnya.

"Terasa hentakan di vaginaku. Pacarku menekan penisnya sedalam mungkin ke vaginaku, sambil badannya terhentak-hentak. Terasa tembakan sperma di ujung dalam kemaluanku sekitar 7 kali. Hangat sekali"

"Untuk berapa lama, penisnya tetap terselip di vaginaku. Sepertinya kami berdua tidak mau memisahkan kemaluan kami, kalau kata pacarku sih. Spermanya dan cairanku telah jadi lem. Ha.. ha.. ha.. Pacarku memang garing Ton," berderai tawa Santi.

"Lalu cerita aku mengulum penisnya terjadi setelah kami selesai bereng.." belum selesai Santi bicara Toni memotong ucapannya.
"Cukup.. cukup.. Aku sudah nggak kuat nih. Bagian kamu mengulum penis dipraktekin aja. Aku janji deh kamu bakal dapat peran itu."

Mata Santi langsung berbinar. Daripada mulut ini capek dipakai untuk bicara lebih baik dipakai untuk bekerja. Ternyata mulut seorang wanita bisa membantu kariernya.

"Ayo kita mulai," lanjut Toni.
"Bagaimana awal ceritanya?" Toni berdiri mendekat ke arah Santi. Celananya tidak bisa menutupi penisnya yang ereksi, sehingga terlihat tonjolan di situ.

"Kami waktu itu berenang tidak memakai baju. Jadi.." Santi berkata sambil jarinya memberi kode agar Toni membuka bajunya.
"Oh ya.. tentu saja," jawab Toni sambil membuka kancing baju lalu reitsleting celananya. Dilepas semuanya. Setelah itu celana dalamnya. Penisnya sudah penuh, keras dan tegak menunjuk ke arah Santi. Santi lalu membuka bajunya. Dilepas satu-satu seluruh kain yang melepas di badannya.

"Santi..! vaginamu tebal sekali." Toni terkejut melihat montoknya vagina Santi.
"Nggak pernah saya lihat yang seperti kamu.."
"Santi..! Enggak usah dikulum deh. Kita ngeseks aja yuk.."
"Kamu mau dong..! Aku nggak tahan melihat itumu. Sudah pengen nyelipin penis ke situ nih," kata Toni sambil mengusap-usap penisnya.

"Tentu aku setuju Ton. Dua-duanya kan jadi ngerasain nikmat."
"Sekarang kamu naik ke atas sofa," perintah Toni sambil membuang semua benda yang ada di sofa ruang kantornya.
Santi melangkah ke arah sofa. Direbahkan badannya perlahan, posisinya kini terlentang menghadap ke Toni. Pahanya dibuka mempertunjukan seluruh alat kemaluannya. Bibir vaginanya telah membuka, merekah sehingga bagian dalam dari vaginanya terlihat jelas. Merah, basah dan berdenyut. Tentu nikmat sekali merasakan pijitan otot-otot di vagina itu.

"Uoogh..." tanpa terasa mulut Toni mendesah takjub menyaksikan keindahan bukit kemaluan yang tebal itu. Belahan bibir kemaluannya yang sedikit kecoklatan terlihat sangat tebal membentuk sebuah bukit kecil. Bibir luarnya masih terbuka seakan memanggil-manggil Toni untuk menikmati.

Melihat hal itu, Penis Toni semakin tegang. Dia ingin sekali memasukkan kemaluannya ke lubang vagina yang ada di depannya, merasakan jepitan dan pijitannya. Jelas sekali Toni melihat vagina itu berdenyut-denyut. "Terbayang betapa nikmatnya jika penisku bisa masuk ke situ," guman Toni dalam hatinya.

Toni mendekat dan berlutut di selangkangan Santi. Lalu tangan kirinya merekahkan bibir kemaluan Santi, sedangkan tangan kanannya mengarahkan penisnya agar arahnya tepat. Dengan lembut Toni menyelipkan penisnya ke dalam kemaluan Santi yang basah. Toni berhenti sejenak ketika kepala penisnya masuk 1/4. Dia memejamkan matanya menahan nikmatnya perasaan saat itu.

"Uughh..." ujar Toni.
Perasaan luar biasa ketika kepala penisnya menggesek bibir vagina Santi. Santi mungkin mengira batang penis itu akan dimasukkan seluruhnya, karena begitu kepala penis menyelip di antara bibir kemaluannya terlihat ia membuka kedua pahanya lebar-lebar. Tapi ternyata Toni menghentikan gerakannya.

"Lagi Ton, masukin lagi..!" Santi merengek ketika mengetahui Toni menahan gerakannya.
"Jangan berhenti Ton.. masukin semuanya," Santi merengek lagi karena Toni masih memejamkan mata menikmati 1/4 penisnya yang sedang diremas-remas oleh otot vagina Santi.

Toni yang memang ingin seluruh bagian penisnya menikmati pijitan tentu saja mengikuti permintaan itu, dia lalu menekan penisnya lebih dalam perlahan-lahan sampai akhirnya semuanya masuk.

"Ouugghh..!" Toni melenguh ketika pangkal penisnya menyentuh lubang kewanitaan Santi. Terasa seluruh penisnya digenggam erat oleh vagina Santi.
"Ahhkkk..! Tekan Ton, tekan yang keras..!" rengek Santi sambil menggigit bibirnya.
"Kayak gini bukan?" lalu Toni menghentakkan pantatnya ke depan, sehingga mulut vagina Santi terdorong dengan keras.
"Oughh.." teriak Toni.
"Aaahhkkk..! Gila Ton..! Lagi Ton..!" rintih Santi merasakan nikmat.

Toni lalu menarik penisnya, vagina Santi terlihat monyong. Setelah tertarik setengah didorongnya lagi pantatnya seperti tadi.
"Aaahkkkk..!" bersamaan mereka berteriak.

Toni lalu memaju-mundurkan pantatnya. Dia menarik sampai sekitar 50 persen panjangnya, lalu menekan lagi hingga masuk semuanya. Toni terus melakukan itu. Sementara itu Santi tetap merancau tidak karuan. Sedangkan Toni lebih banyak diam.

"Aahhkk.. Toni.. enaak.. hiks.. hiks.. hikss ooohh.."
"Yaahh.. tusuk yang keras.. hmm.. Oughh.. yaa.. terus Ton.."
"Sshhh.. ssshhh.. oughh.. enak Ton, terus.. terus.. tarik dorong yang keras Ton..!"
"Oougghh.. oh.. oh.. oh.. oh.." Santi terus menjerit-jerit. Vaginanya menjepit keras penis Toni.
"Ough.. terus Ton..!" Santi menggelepar-gelepar sambil menggeleng-gelengkan kepalanya. Lubang vagina Santi semakin basah, dan meremas-remas batang kemaluan Toni.
"Uhh.. hu.. hu.. huu.." terdengar suara Santi seperti merintih, menahan nikmatnya sodokan penis Toni. Santi makin membuka kakinya. Ditariknya kakinya ke atas, sehingga lututnya menyentuh dadanya. Hal ini membuat Toni makin leluasa memasukkan penisnya.

"Ton.. bentar lagi Ton.. aku mau dapat.!" teriak Santi ketika merasakan orgasmenya akan datang, rongga kewanitaannya menjadi lebih berdenyut, seperti menggigit lembut penis Toni. Santi menaikkan pantatnya agar penis Toni makin dalam mengisi vaginanya.

"Ouughhh... Ton.. hiks.. hiks.. hu.. hu.." Santi kembali merintih kenikmatan. Kedua tangannya meremas-remas pundak Toni.

Sesaat sebelum Santi mencapai orgasme. Toni tiba-tiba merenggut pantat Santi, mencengkeramnya. Dihentak-hentakkan pantatnya ke bawah lebih cepat. Hal ini membuat gesekan antara penis dan rongga vagina makin cepat. Toni terus melakukannya hingga pada hentakan terakhir ditekannya pantat lama sekali ke bawah.

Santi merasakan senjata Toni semakin besar, vagina Santi terasa semakin penuh, Toni mencapai orgasmenya.
"Ooouughh.." lenguh Toni.

Santi merasakan ada tembakan hangat di dalam ujung vaginanya. Lembut dan mesra. Semprotannya kencang sekali dan berkali-kali. Kira-kira tujuh atau delapan tembakan, badan Toni mengejang, dan lalu lemas, lunglai, jatuh ke depan, menindih Santi.

Toni lalu mencium bibir Santi.
"Terima kasih San.."
Santi mencium balik. Mereka berpagutan beberapa saat. Tubuh mereka berkeringat, basah sekali.

Setelah agak lama Toni menjauhkan bibirnya dan mencabut penisnya. Terdengar bunyi, "Plop..!" ketika kedua alat kenikmatan itu dipisahkan.

"Kamu aktris berbakat San..! kamu akan dapat peran di film itu, tapi bukan sebagai peran utama. Kamu jadi teman SMA si pemeran utama," kata Toni sambil memakai celananya.
"Lhoo..! Ton.. katamu.." belum selesai Santi bicara Toni sudah bicara.
"Aku memang bilang kamu akan dapat peran. Tapi aku tidak bilang kalau itu peran utama. Kalau tidak mau ya udah. Kalau mau peran utama, nanti tunggu film yang baru lagi, kamu casting lagi sama saya. Kita lihat kamu serius tidak menjalani kariermu."

"Sekarang kamu mau nggak peran tadi?" lanjut Toni bertanya.
"Mau dong, tapi kiraiinn.!"
"Mau nggak?" tanya Toni lagi.
"Iya.. iya.. mau..!" jawab Santi sambil memakai bajunya.

Wawancara pun selesai, Santi pergi meninggalkan ruangan dan kehidupan di kantor sang manajer berlangsung lagi seperti biasa.

Belum ada Komentar untuk "Casting Film"

Posting Komentar

Langganan: Posting Komentar (Atom)

Iklan Atas Artikel

How to Get Financing For Your Small Business In today's hostile economic environment, access to capital is the primary differentiating factor between those businesses which have been able to expand and gain market share versus those that have experienced enormous drops in revenue. The reason many small businesses have seen their sales and cash flow drop dramatically, many to the point of closing their doors, while many large U.S. corporations have managed to increase sales, open new retail operations, and grow earnings per share is that a small business almost always relies exclusively on traditional commercial bank financing, such as SBA loans and unsecured lines of credit, while large publicly traded corporations have access to the public markets, such as the stock market or bond market, for access to capital. Prior to the onset of the financial crises of 2008 and the ensuing Great Recession, many of the largest U.S. commercial banks were engaging in an easy money policy and openly lending to small businesses, whose owners had good credit scores and some industry experience. Many of these business loans consisted of unsecured commercial lines of credit and installment loans that required no collateral. These loans were almost always exclusively backed by a personal guaranty from the business owner. This is why good personal credit was all that was required to virtually guarantee a business loan approval. During this period, thousands of small business owners used these business loans and lines of credit to access the capital they needed to fund working capital needs that included payroll expenses, equipment purchases, maintenance, repairs, marketing, tax obligations, and expansion opportunities. Easy access to these capital resources allowed many small businesses to flourish and to manage cash flow needs as they arose. Yet, many business owners grew overly optimistic and many made aggressive growth forecasts and took on increasingly risky bets. As a result, many ambitious business owners began to expand their business operations and borrowed heavily from small business loans and lines of credit, with the anticipation of being able to pay back these heavy debt loads through future growth and increased profits. As long as banks maintained this 'easy money' policy, asset values continued to rise, consumers continued to spend, and business owners continued to expand through the use of increased leverage. But, eventually, this party, would come to an abrupt ending. When the financial crisis of 2008 began with the sudden collapse of Lehman Brothers, one of the oldest and most renowned banking institutions on Wall Street, a financial panic and contagion spread throughout the credit markets. The ensuing freeze of the credit markets caused the gears of the U.S. financial system to come to a grinding halt. Banks stopped lending overnight and the sudden lack of easy money which had caused asset values, especially home prices, to increase in recent years, now cause those very same asset values to plummet. As asset values imploded, commercial bank balance sheets deteriorated and stock prices collapsed. The days of easy money had ended. The party was officially over. In the aftermath of the financial crisis, the Great Recession that followed created a vacuum in the capital markets. The very same commercial banks that had freely and easily lent money to small businesses and small business owners, now suffered from a lack of capital on their balance sheets - one that threatened their very own existence. Almost overnight, many commercial banks closed off further access to business lines of credit and called due the outstanding balances on business loans. Small businesses, which relied on the working capital from these business lines of credit, could no longer meet their cash flow needs and debt obligations. Unable to cope with a sudden and dramatic drop in sales and revenue, many small businesses failed. Since many of these same small businesses were responsible for having created millions of jobs, every time one of these enterprises failed the unemployment rate increased. As the financial crisis deepened, commercial banks went into a tailspin that eventually threatened the collapse of the entire financial system. Although Congress and Federal Reserve Bank led a tax payer funded bailout of the entire banking system, the damage had been done. Hundreds of billions of dollars were injected into the banking system to prop up the balance sheets of what were effectively defunct institutions. Yet, during this process, no provision was ever made that required these banks to loan money out to consumers or private businesses. Instead of using a portion of these taxpayer funds to support small businesses and avert unnecessary business failures and increased unemployment, commercial banks chose to continue to deny access to capital to thousands of small businesses and small business owners. Even after receiving a historic taxpayer funded bailout, the commercial banks embraced an 'every man for himself' attitude and continue to cut off access to business lines of credit and commercial loans, regardless of the credit history or timely payments on such lines and loans. Small business bankruptcies skyrocketed and high unemployment persisted. During this same period, when small businesses were being choked into non-existence, as a result of the lack of capital which was created by commercial banks, large publicly-traded corporations managed to survive and even grow their businesses. They were mainly able to do so by issuing debt, through the bond markets, or raising equity, by issuing shares through the equity markets. While large public companies were raising hundreds of millions of dollars in fresh capital, thousands of small businesses were being put under by banks that closed off existing commercial lines of credit and refused to issue new small business loans. Even now, in mid 2012, more than four years since the onset of the financial crisis, the vast majority of small businesses have no means of access to capital. Commercial banks continue to refuse to lend on an unsecured basis to almost all small businesses. To even have a minute chance of being approved for a small business loan or business line of credit, a small business must possess tangible collateral that a bank could easily sell for an amount equal to the value of the business loan or line of credit. Any small business without collateral has virtually no chance at attaining a loan approval, even through the SBA, without significant collateral such as equipment or inventory. When a small business cannot demonstrate collateral to provide security for the small business loan, the commercial bank will ask for the small business owner to secure the loan with his or her own personal assets or equity, such as equity in a house or cash in a checking, savings, or retirement account, such as a 401k or IRA. This latter situation places the personal assets of the owner at risk in the event of a small business failure. Additionally, virtually all small business loans will require the business owner to have excellent personal credit and FICO scores, as well as require a personal guaranty. Finally, multiple years of financial statements, including tax returns for the business, demonstrated sustained profitability will be required in just about every small business loan application. A failure or lack of ability to provide any of these stringent requirements will often result in an immediate denial in the application for almost all small business loans or commercial lines of credit. In many instances, denials for business loans are being issued to applicants which have provided each of these requirements. Therefore, being able to qualify with good personal credit, collateral, and strong financial statements and tax returns still does not guarantee approval of a business loan request in the post financial crisis economic climate. Access to capital for small businesses and small business owners is more difficult than ever. As a result of this persistent capital vacuum, small businesses and small business owners have begun to seek out alternative sources of business capital and business loans. Many small business owners seeking cash flow for existing business operations or funds to finance expansion have discovered alternative business financing through the use of merchant credit card cash advance loans and small business installment loans offered by private investors. These merchant cash advance loans offer significant advantages to small businesses and small business owners when compared to traditional commercial bank loans. Merchant cash advance loans, sometimes referred to as factoring loans, are based on the amount of average credit card volume a merchant or retail outlet, processes over a three to six month period. Any merchant or retail operator that accepts credit cards as payment from customers, including Visa, MasterCard, American Express, or Discover, is virtually guaranteed an approval for a merchant credit card advance. The total amount of cash advance that a merchant qualifies for is determined by this three to six month average and the funds are generally deposited in the business checking account of the small business within a seven to ten day period from the time of approval. A set repayment amount is fixed and the repayment of the cash advance plus interest is predetermined at the time the advance is approved by the lender. For instance, if a merchant or retailer processes approximately $1,000 per day in credit cards from its customers, the monthly average of total credit cards processed equals $30,000. If the merchant qualifies for $30,000 for a cash advance and the factoring rate is 1.20, the total that would need to be repaid is $30,000 - plus 20% of $30,000 which equals $6,000 - for a total repayment amount of $36,000. Therefore, the merchant would receive a lump sum of $30,000 cash, deposited in the business checking account, and a total of $36,000 would need to be repaid. The repayment is made by automatically deducting a pre-determined amount of each of the merchant's daily future credit card sales - usually at a rate of 20% of total daily credit cards processed. Thus, the merchant does not have to write checks or send payments. The fixed percent is simply deducted from future credit sales until the total sum due of $36,000 is paid off. The advantage to this type of financing versus a commercial bank loan is that a merchant cash advance is not reported on the personal credit report of the business owner. This effectively separates the personal financial affairs of the small business owner from the financial affairs of the small business entity. A second advantage to a merchant credit card cash advance is that an approval does not require a personal guaranty from the business owner. If the business is unable to repay the merchant cash advance loan in full, the business owner is not held personally responsible and cannot be forced to post personal collateral as security for the merchant advance. The owner removes the financial consequences that often accompany a commercial bank business loan that requires a personal guaranty and often forces business owners into personal bankruptcy in the even that their business venture fails and cannot repay the outstanding loan balance. A third, and distinct advantage, is that a merchant credit card cash advance loan does not require any collateral as additional security for the loan. The future credit card receivables are the security for the cash advance repayment, thus no additional collateral requirements exist. Since the majority of small businesses do not have physical equipment or inventory that can be posted as collateral for a traditional bank loan, this type of financing is a phenomenal alternative for thousands of retail businesses, merchants, sole proprietorships, and online stores seeking access to capital. Such businesses would be denied automatically for a traditional business loan simply because of the lack of collateral to serve as added security for the bank or lender. Finally, a merchant credit card advance loan approval does not depend upon the strong or perfect personal credit of the business owner. In fact, the business owner's personal credit can be quite poor and have a low FICO score, and this will not disqualify the business from being approved for the cash advance. The business owner's personal credit is usually checked only for the purpose of helping to determine that factoring rate at which the total loan repayment will be made. However, even a business owner with a recently discharged personal bankruptcy can qualify for a merchant credit card cash advance loan. Since the cash funds being lent on merchant credit card advances is provided by a network of private investors, these lenders are not regulated or affected by the new capital requirements that have placed a constraint on the commercial banking industry. The merchant cash advance approvals are determined by internal underwriting guidelines developed by the private lenders in the network. Each loan application is reviewed and processed on a case-by-case basis and approvals are issued within 24 to 48 hours from receipt of a complete application, including the previous three to six months of merchant credit statements. Merchant credit card.

Iklan Tengah Artikel 1

Iklan Tengah Artikel 2

Iklan Bawah Artikel