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1
00:00:09,000 --> 00:00:11,100
- Come in.
- Hello, thank you.
2
00:00:11,100 --> 00:00:13,400
I want to start
a jewelry business.
3
00:00:13,400 --> 00:00:15,780
I’m interested in making
and selling jewelry.
4
00:00:15,780 --> 00:00:18,400
Let me help you
to get this loan.
5
00:00:18,700 --> 00:00:20,000
What is this?!
6
00:00:20,000 --> 00:00:22,200
Why did you put it there?
7
00:00:52,380 --> 00:00:53,500
One moment.
8
00:00:55,800 --> 00:00:57,900
- Come in.
- Hello, thanks.
9
00:00:58,060 --> 00:00:58,960
Hello.
10
00:00:59,800 --> 00:01:01,100
I am Vixi Rafi.
11
00:01:01,100 --> 00:01:03,100
- Stanley. Nice to meet you.
- Nice to meet you.
12
00:01:05,700 --> 00:01:06,700
Sit down, please.
13
00:01:06,700 --> 00:01:08,700
Thank you. So.
14
00:01:09,300 --> 00:01:12,300
I should have
come over at 12:00.
15
00:01:12,900 --> 00:01:15,900
It is regarding
my jewelry business.
16
00:01:15,900 --> 00:01:18,900
I’m interested in making
and selling jewelry.
17
00:01:19,600 --> 00:01:20,520
Okay, let me check it.
18
00:01:20,520 --> 00:01:23,700
- Have you sent me the form?
- Yes, via email.
19
00:01:24,080 --> 00:01:25,600
Vixi Rafi.
20
00:01:27,300 --> 00:01:28,900
Yeah, good.
21
00:01:29,400 --> 00:01:33,400
Okay, let me tell you
how our system works.
22
00:01:34,300 --> 00:01:37,300
There is a special form.
23
00:01:37,300 --> 00:01:39,600
I will ask you questions
and you will reply.
24
00:01:40,200 --> 00:01:42,180
- Yes. - Is it OK?
- Yes.
25
00:01:42,180 --> 00:01:45,700
Primarily we are
interested in basic things.
26
00:01:46,500 --> 00:01:47,700
Like your age.
27
00:01:49,800 --> 00:01:50,900
How old are you?
28
00:01:52,300 --> 00:01:53,700
Is it necessary?
29
00:01:53,700 --> 00:01:56,200
Yes, sure. Age is very important.
30
00:01:56,300 --> 00:01:58,800
- It is really important.
- Okay, I’m 18.
31
00:01:59,000 --> 00:02:00,400
Okay, 18.
32
00:02:02,500 --> 00:02:03,700
So.
33
00:02:03,700 --> 00:02:05,600
Do you work or study?
34
00:02:05,900 --> 00:02:08,000
Well, I do study.
35
00:02:09,900 --> 00:02:11,100
What do you study?
36
00:02:12,300 --> 00:02:17,000
I am studying
jewelry design sketches.
37
00:02:17,000 --> 00:02:19,000
I study in college.
38
00:02:19,000 --> 00:02:20,800
- So is this a creative design?
- Yes.
39
00:02:21,400 --> 00:02:24,400
- Is it a university or?
- College. - Okay.
40
00:02:24,400 --> 00:02:27,000
Yes, like a high school.
41
00:02:28,100 --> 00:02:29,300
Well, okay.
42
00:02:29,300 --> 00:02:31,800
Are you in a relationship?
43
00:02:31,800 --> 00:02:33,040
I have a boyfriend.
44
00:02:34,140 --> 00:02:35,800
- Do you live together?
- Yes.
45
00:02:36,340 --> 00:02:38,300
Okay, so let’s
46
00:02:39,200 --> 00:02:41,100
Tell me how much
money do you need?
47
00:02:41,100 --> 00:02:42,600
And the second thing is
48
00:02:42,900 --> 00:02:44,700
What kind of enterprise
it is going to be?
49
00:02:45,400 --> 00:02:47,700
- And so on.
- So
50
00:02:47,700 --> 00:02:53,520
In general I would
need 100 000 EUR.
51
00:02:53,600 --> 00:02:56,600
Jewelry is a
very precise field.
52
00:02:56,600 --> 00:03:00,440
The work of a jeweler and
the materials are expensive.
53
00:03:00,440 --> 00:03:04,900
Materials need to be
transported to the Czech Republic
54
00:03:05,000 --> 00:03:08,800
We will transport these
materials from Russia and Spain.
55
00:03:08,800 --> 00:03:11,900
Also from other different countries.
56
00:03:12,460 --> 00:03:18,100
I can project and work
on jewelry on my own.
57
00:03:18,400 --> 00:03:21,400
I will probably work alone
at the start of the business.
58
00:03:21,880 --> 00:03:25,400
And then I will only sketch.
59
00:03:25,900 --> 00:03:27,200
Well, okay.
60
00:03:27,200 --> 00:03:28,900
And my employees
61
00:03:29,360 --> 00:03:33,300
I’m going to pay salaries
and rent a space.
62
00:03:34,280 --> 00:03:37,580
And I would like to
renovate the space.
63
00:03:37,900 --> 00:03:40,900
It sounds really fascinating.
64
00:03:41,200 --> 00:03:44,960
I really like when young people
65
00:03:44,960 --> 00:03:46,500
Especially young girls
66
00:03:46,500 --> 00:03:51,000
who are ambitious and ask
money for a nice business.
67
00:03:51,900 --> 00:03:57,500
Because our institute supports
people who want to start a business.
68
00:03:57,500 --> 00:03:59,000
It’s great.
69
00:03:59,600 --> 00:04:02,600
Especially such cute
ladies like you are.
70
00:04:02,600 --> 00:04:06,600
A lot of people come
over and we help them.
71
00:04:06,740 --> 00:04:09,700
The only thing is
that our system
72
00:04:10,140 --> 00:04:17,200
We have a government system and
rules that we work according to.
73
00:04:18,200 --> 00:04:21,900
Also there are our own rules.
74
00:04:21,900 --> 00:04:25,300
So you just need to
prepare a business plan.
75
00:04:25,300 --> 00:04:27,200
What I’m interested in is
76
00:04:27,680 --> 00:04:32,020
The rent of a space
you’re going to work in.
77
00:04:32,900 --> 00:04:35,300
Your employees’ salaries.
78
00:04:36,500 --> 00:04:40,600
Expenses for utilities and equipment.
79
00:04:40,600 --> 00:04:45,200
And the most important
thing is profitability.
80
00:04:45,600 --> 00:04:48,600
In how many years you
expect to see the profit.
81
00:04:49,100 --> 00:04:52,760
And sales channels.
82
00:04:52,800 --> 00:04:56,400
Who will be your clientele,
because as it is known...
83
00:04:57,200 --> 00:04:59,100
Manufacturing is not
a problem. Selling is.
84
00:04:59,100 --> 00:05:02,800
I was counting on the fact that
the money I would take as a loan
85
00:05:02,800 --> 00:05:05,600
Some amount will also
go towards advertising.
86
00:05:05,700 --> 00:05:09,000
Okay, let me note it down.
87
00:05:09,000 --> 00:05:11,000
Yeah, let’s be more concrete.
88
00:05:14,200 --> 00:05:20,000
So, to rent the needed space,
89
00:05:20,000 --> 00:05:24,400
I will need around
2000 EUR per month.
90
00:05:26,060 --> 00:05:30,400
Renovating would cost
approximately 4000 EUR.
91
00:05:30,400 --> 00:05:37,400
Plus, the purchase of all
the machines and tools.
92
00:05:37,720 --> 00:05:39,300
Kind of.
93
00:05:40,160 --> 00:05:43,160
The next thing are employees.
94
00:05:43,160 --> 00:05:44,800
Jewelers, like me.
95
00:05:44,800 --> 00:05:48,500
I know this is
a very precise work.
96
00:05:49,000 --> 00:05:53,400
They should work hard, so
their salary will be around this amount.
97
00:05:53,780 --> 00:05:56,100
3000 EUR per month.
98
00:05:56,500 --> 00:05:57,180
Yeah.
99
00:05:57,180 --> 00:06:00,180
And special materials, of course.
100
00:06:00,180 --> 00:06:04,380
We will use expensive gemstones.
101
00:06:04,800 --> 00:06:08,820
That's why I think the monthly
purchases will be expensive.
102
00:06:08,900 --> 00:06:12,200
It is going to be
around 10 000 EUR.
103
00:06:14,900 --> 00:06:19,800
I am interested in one question,
aside from marketing ones.
104
00:06:20,180 --> 00:06:22,100
You profit before.
105
00:06:28,400 --> 00:06:32,800
Write what the profit
will be before taxes.
106
00:06:33,460 --> 00:06:35,700
We need 3 years
to become profitable.
107
00:06:35,700 --> 00:06:38,800
And this amount is
going to be profitable.
108
00:06:43,600 --> 00:06:45,200
Minimum per month.
109
00:06:45,900 --> 00:06:47,000
200 000 EUR?
110
00:06:47,000 --> 00:06:48,900
- Yes.
- Do you think this is real?
111
00:06:49,400 --> 00:06:52,400
Yes, I think this is real because
112
00:06:53,400 --> 00:06:56,400
Jewelry is beautiful and expensive.
113
00:06:56,400 --> 00:06:58,300
Look, we’ve got a problem.
114
00:06:59,300 --> 00:07:01,800
Young people your age
115
00:07:02,700 --> 00:07:06,300
I’m sorry, but what’s
the matter about my age?
116
00:07:06,700 --> 00:07:09,400
I know it might
be offensive for you,
117
00:07:09,700 --> 00:07:14,700
People your age often take out
loans based solely on emotions.
118
00:07:14,700 --> 00:07:16,900
Your business plan is great.
119
00:07:17,500 --> 00:07:18,600
But
120
00:07:19,100 --> 00:07:25,500
In this case, we need someone
who would guarantee the loan.
121
00:07:25,800 --> 00:07:32,900
For example, your parents,
who would help you if needed.
122
00:07:33,900 --> 00:07:36,400
In general, I really
like your business plan.
123
00:07:36,600 --> 00:07:37,800
It is really great.
124
00:07:38,180 --> 00:07:41,400
If I could, I would give you
the money from my own pocket.
125
00:07:41,800 --> 00:07:44,300
Well, but my pocket is empty.
126
00:07:45,400 --> 00:07:48,600
We need your boyfriend, maybe.
127
00:07:48,600 --> 00:07:51,160
No, he is also a student.
128
00:07:51,160 --> 00:07:52,520
I’m sorry, but
129
00:07:52,600 --> 00:07:54,200
we can’t give you a loan.
130
00:07:54,700 --> 00:07:57,700
No, but wait, please.
131
00:07:58,060 --> 00:08:00,400
I was relying on it so much.
132
00:08:00,600 --> 00:08:03,000
Let’s change the amount, maybe.
133
00:08:03,200 --> 00:08:04,800
I don’t know.
134
00:08:05,400 --> 00:08:06,900
Maybe
135
00:08:07,500 --> 00:08:10,120
50 000 EUR is enough, maybe.
136
00:08:10,200 --> 00:08:15,400
I’m sure this will be
enough for a year.
137
00:08:15,600 --> 00:08:21,100
And that in a year to a year and
a half, we will reach a high level of earnings.
138
00:08:21,100 --> 00:08:23,800
Maybe our profit won’t
be 200 000 EUR.
139
00:08:24,100 --> 00:08:27,620
Maybe it’s going to be twice
less, but it doesn’t matter.
140
00:08:28,380 --> 00:08:31,100
We can reduce something.
141
00:08:31,500 --> 00:08:35,520
I can rent cheaper instruments.
142
00:08:35,700 --> 00:08:39,360
I won’t hire people
and will work alone.
143
00:08:39,360 --> 00:08:40,400
Please!
144
00:08:43,600 --> 00:08:45,500
Okay, well.
145
00:08:45,960 --> 00:08:48,100
To work alone is
not a bad option.
146
00:08:49,200 --> 00:08:52,900
How much money
would you save then?
147
00:08:53,420 --> 00:08:54,600
Well
148
00:08:55,700 --> 00:08:58,300
- I’m confused.
- I’m trying to help you.
149
00:08:58,300 --> 00:09:01,160
If we save at least
half of the money
150
00:09:02,100 --> 00:09:04,800
It would be great.
But the only problem is
151
00:09:04,980 --> 00:09:06,500
the interest is really high.
152
00:09:06,880 --> 00:09:09,800
Let me help you
to get this loan.
153
00:09:10,400 --> 00:09:12,200
So, you will work alone.
154
00:09:12,200 --> 00:09:14,700
It means that you’re not
going to pay salaries.
155
00:09:14,800 --> 00:09:17,400
- Yes.
- Let’s reduce salaries.
156
00:09:18,000 --> 00:09:19,100
Great.
157
00:09:19,700 --> 00:09:21,500
Where else we can save here?
158
00:09:21,980 --> 00:09:27,500
Maybe not the 4000 EUR...
159
00:09:27,500 --> 00:09:33,260
Maybe I can borrow some
instruments from the school.
160
00:09:33,260 --> 00:09:35,600
So it’s going to be 2000 EUR.
161
00:09:36,400 --> 00:09:37,820
What else?
162
00:09:38,900 --> 00:09:40,300
I don’t know.
163
00:09:40,900 --> 00:09:42,300
Don’t be upset.
164
00:09:42,300 --> 00:09:44,600
- I’m trying to help you.
- I know.
165
00:09:45,500 --> 00:09:48,100
I really hoped to
get this loan.
166
00:09:48,200 --> 00:09:51,200
It is my dream.
167
00:09:52,460 --> 00:09:53,900
I understand.
168
00:09:54,200 --> 00:09:57,700
And what do you
think about this option?
169
00:10:01,880 --> 00:10:03,300
What is this?
170
00:10:04,060 --> 00:10:06,000
Who do you think I am?
171
00:10:06,000 --> 00:10:08,900
I came here just to ask a loan.
172
00:10:08,900 --> 00:10:09,800
Listen.
173
00:10:09,800 --> 00:10:12,600
You are lucky that I am here.
174
00:10:13,500 --> 00:10:17,440
- Because no one else...
- No, wait.
175
00:10:17,580 --> 00:10:19,500
You mean no one
else would do so?
176
00:10:19,500 --> 00:10:21,600
- No one else.
- Why did you put it there?!
177
00:10:21,600 --> 00:10:23,600
No one else would
approve your loan, darling.
178
00:10:24,560 --> 00:10:26,380
- So
- It’s up to you.
179
00:10:26,640 --> 00:10:29,200
Will you get at least
half of the loan or not.
180
00:10:37,180 --> 00:10:40,000
Do you think you can get it?
181
00:10:45,500 --> 00:10:46,600
Yes.
182
00:10:48,200 --> 00:10:50,500
Or maybe you are too shy.
183
00:10:50,860 --> 00:10:52,100
I’m not.
184
00:10:59,380 --> 00:11:02,380
This is cool, come on.
185
00:11:02,700 --> 00:11:04,160
You can start your business easily.
186
00:13:13,700 --> 00:13:15,300
It is really nice.
187
00:13:15,300 --> 00:13:16,700
Shut up.
188
00:13:28,100 --> 00:13:32,020
Why not to try such an option?
189
00:13:32,700 --> 00:13:34,300
You are doing it really well.
190
00:13:34,880 --> 00:13:35,920
You’re amazing.
191
00:13:36,400 --> 00:13:38,000
You are doing it so good.
192
00:13:43,000 --> 00:13:44,100
Continue.
193
00:14:12,900 --> 00:14:13,900
Deeper.
194
00:14:14,200 --> 00:14:15,400
You can do it.
195
00:14:22,600 --> 00:14:25,000
Do you still need
guarantors for me?
196
00:14:25,800 --> 00:14:29,800
Well, now we’re in the
phase of approving the loan.
197
00:14:29,800 --> 00:14:33,960
We have to finish this phase
and get to the next one.
198
00:14:35,420 --> 00:14:36,500
Don’t worry.
199
00:14:36,980 --> 00:14:38,900
I’m sure we will
have a nice deal.
200
00:15:24,800 --> 00:15:27,000
I really like your skirt.
201
00:15:29,100 --> 00:15:32,100
Do you want to
put it there too?
202
00:15:33,300 --> 00:15:34,700
Okay.
203
00:18:30,700 --> 00:18:35,300
I need to stick my fingers
inside you immediately.
204
00:19:31,700 --> 00:19:34,000
Let’s continue.
205
00:19:34,740 --> 00:19:36,200
I think it’s not
too comfortable here.
206
00:19:36,960 --> 00:19:39,000
Your business plan is really good.
207
00:19:40,180 --> 00:19:41,500
Let’s continue.
208
00:19:41,760 --> 00:19:43,440
I need to check other aspects
209
00:19:44,200 --> 00:19:46,500
of your finance plan.
210
00:19:48,460 --> 00:19:52,600
What are the further aspects?
211
00:19:55,000 --> 00:19:56,300
Do you wanna do it this way?
212
00:19:56,300 --> 00:19:57,400
Yes, I do.
213
00:20:01,900 --> 00:20:03,400
You know, when you came here,
214
00:20:04,200 --> 00:20:06,100
I didn’t expect this.
215
00:20:06,800 --> 00:20:08,900
I didn’t know
you’re such a hoe.
216
00:20:09,800 --> 00:20:11,200
Bounce on me.
217
00:20:13,600 --> 00:20:14,880
I like such girls.
218
00:20:18,500 --> 00:20:21,500
You’re so good
in getting loans.
219
00:20:21,900 --> 00:20:22,640
Yeah?
220
00:20:23,400 --> 00:20:26,400
Everyone has to do such
a procedure at least once.
221
00:20:49,200 --> 00:20:50,500
Don’t be shy.
222
00:21:53,700 --> 00:21:55,100
Take it off.
223
00:21:55,660 --> 00:21:57,400
Let’s take it all off, huh?
224
00:22:02,900 --> 00:22:05,000
Your pussy is really beautiful.
225
00:22:05,700 --> 00:22:07,000
Did you know that?
226
00:22:07,300 --> 00:22:08,500
Didn’t you?
227
00:22:13,000 --> 00:22:14,500
Let’s put it in.
228
00:22:16,800 --> 00:22:18,200
Nice and slow.
229
00:22:19,700 --> 00:22:21,100
That’s it, yeah.
230
00:22:23,800 --> 00:22:25,300
Do you want to
get this loan?
231
00:22:48,000 --> 00:22:49,900
Look at me.
232
00:23:19,500 --> 00:23:21,700
You have a lot of
potential, young lady.
233
00:23:23,700 --> 00:23:25,400
You have to get
loans more often.
234
00:23:27,500 --> 00:23:28,380
Yeah?
235
00:23:28,600 --> 00:23:29,820
Look at me.
236
00:23:35,900 --> 00:23:38,700
I’m always here for
such girls like you are.
237
00:23:40,000 --> 00:23:41,500
Look at me.
238
00:23:48,500 --> 00:23:49,800
Yeah, slowly.
239
00:23:50,200 --> 00:23:52,300
Do you like it slowly?
240
00:24:30,200 --> 00:24:31,800
Look at me.
241
00:24:41,500 --> 00:24:42,960
Never cut your hair.
242
00:24:43,480 --> 00:24:45,620
I like our procedure.
243
00:24:45,900 --> 00:24:47,900
- Do you really need it?
- Oh yes.
244
00:24:54,100 --> 00:24:56,000
Let’s take your panties off.
245
00:24:56,200 --> 00:24:58,400
They turn me on, but
disturb me a little bit.
246
00:24:59,300 --> 00:25:01,400
I’d like to see
you without panties.
247
00:25:02,380 --> 00:25:04,000
Let’s take this
one off too.
248
00:25:11,600 --> 00:25:12,920
You are gorgeous.
249
00:25:13,400 --> 00:25:15,900
What a gem in my collection.
250
00:25:18,300 --> 00:25:19,700
Yeah, that’s it.
251
00:25:21,800 --> 00:25:23,700
Let me undress too.
252
00:25:29,100 --> 00:25:31,100
Do you know that I’m
going to fuck you hard now?
253
00:25:32,200 --> 00:25:33,280
Really?
254
00:26:12,500 --> 00:26:13,500
Oh yes.
255
00:26:13,500 --> 00:26:15,100
Do you like our procedure?
256
00:26:15,100 --> 00:26:16,460
Of getting a loan.
257
00:26:16,460 --> 00:26:18,800
- Huh?
- I hope I’ll get it.
258
00:26:19,200 --> 00:26:20,500
We will see.
259
00:26:20,900 --> 00:26:22,000
Let’s see.
260
00:26:58,200 --> 00:27:00,900
Do you want to
get a loan, huh?
261
00:27:11,000 --> 00:27:13,300
Maybe you will give
me the whole amount?
262
00:27:13,740 --> 00:27:15,000
Not the half.
263
00:27:15,900 --> 00:27:17,800
We will see, young lady.
264
00:27:19,600 --> 00:27:22,100
Your terms are not the best.
265
00:27:24,800 --> 00:27:25,700
You know?
266
00:27:29,500 --> 00:27:31,800
So what? Oh fuck, yeah.
267
00:27:34,900 --> 00:27:36,200
Be a nice girl.
268
00:27:37,200 --> 00:27:38,600
You know what to do.
269
00:27:56,560 --> 00:27:57,800
I like it.
270
00:28:59,600 --> 00:29:00,900
Yes.
271
00:29:02,200 --> 00:29:05,000
Let’s turn around.
272
00:29:06,000 --> 00:29:08,000
- Like this?
- Yes.
273
00:29:08,700 --> 00:29:10,000
What a nice ass.
274
00:29:11,500 --> 00:29:12,800
Come on.
275
00:29:13,900 --> 00:29:16,000
Such girls like you love it.
276
00:29:19,200 --> 00:29:21,400
Don’t tell me you
don’t like hard sex.
277
00:31:49,500 --> 00:31:52,500
Let’s get to the last phase.
278
00:31:54,500 --> 00:31:56,600
Yes, come on.
279
00:32:16,600 --> 00:32:19,600
Let me cum in your mouth.
280
00:32:24,100 --> 00:32:26,700
- In the mouth?
- Yeah.
281
00:32:27,400 --> 00:32:29,300
- Really?
- Why not?
282
00:32:29,300 --> 00:32:30,900
Let’s finish it well.
283
00:32:33,080 --> 00:32:34,900
Come on, I know you want it.
284
00:32:34,900 --> 00:32:36,700
I never tasted cum.
285
00:32:36,700 --> 00:32:38,400
This is necessary.
286
00:32:39,000 --> 00:32:40,800
To proceed the loan well.
287
00:32:41,500 --> 00:32:43,200
So let’s do it.
288
00:32:43,200 --> 00:32:45,300
- I never tasted cum.
- Just suck a cock.
289
00:32:46,000 --> 00:32:47,400
Come on.
290
00:32:47,400 --> 00:32:49,600
I’m ready for a cumshot.
291
00:32:54,200 --> 00:32:55,500
Look at me.
292
00:33:01,800 --> 00:33:03,000
Use your both hands.
293
00:33:03,260 --> 00:33:04,200
Look at me.
294
00:34:00,280 --> 00:34:03,000
You learn really fast.
295
00:34:04,200 --> 00:34:05,600
I really like it.
296
00:34:05,800 --> 00:34:07,800
Your business plan
and cum swallowing.
297
00:34:08,300 --> 00:34:11,300
I think you’ll
have a great future.
298
00:34:12,200 --> 00:34:13,500
Yeah.
299
00:34:13,900 --> 00:34:15,600
But let’s
300
00:34:17,100 --> 00:34:19,800
Let’s discuss your loan tomorrow.
301
00:34:21,800 --> 00:34:24,200
Seriously?
302
00:34:25,000 --> 00:34:29,200
There are some complications
about your terms.
303
00:34:29,200 --> 00:34:32,400
But I’m sure that you
will come tomorrow.
304
00:34:38,200 --> 00:34:40,600
And if you’re not here tomorrow?
305
00:34:40,900 --> 00:34:42,300
I am always here.
306
00:34:42,460 --> 00:34:43,700
I'm irreplaceable.
20844
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