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#Project report Preparation
setupfiling · 2 months
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Class 3 DSC (Digital Signature Certificate)
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financesevaloan · 1 year
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Project Report Preparation
A project report preparation is an important document when applying for a loan. Preparing a project report is not easy for a business owner. It is prepared by a professional in terms of their qualifications and experience.
Therefore, it formed by the expertise such as Chartered Accountants, Ex-bankers, and other finance professionals.
Summary of a project – About business needs & requirements, funds, and possibilities, etc.
Scope of a project – Describe the scope of the project, whether you are providing any product or service.
Information about the promoters – Details such as profile, key personnel, education qualifications, and experience of the promoters.
Necessary resources – About the infrastructure and technical requirements of the project.
Information on plant & machinery – Includes information regarding plant & machinery used.
Location – Where you are starting and its specialty.  
Product and services – Information regarding products and services that you are going to provide and their features.
Cost of the project – The amount required for the completion of the project like expenditure, estimated how to apply project cost, and financial obligation.
Employee details – Details of employees, their work experience & educational qualifications.
Application of funds – Write all the information related to the usage of funds.
General ratio – Analysis of the financial statement with their key ratio such as quick ratio, debt-equity ratio, cash ratio, current ratio.
Analysis of break-even point – Also known as financial calculation. It includes a fixed cost, variable cost, and contribution.
Market potential – Game plan for reaching targeted customers.
Means of financing – Financing for an organization may form a financial corporation.
Cash flow statement – It gives information related to the inflow & outflow of cash for the business.
Balance sheet - Involves bank deposits, current assets, cash, reserve& surplus of the company.
Interest schedule – Interest, principal, and Installments.
Fund flow statement – About the borrowers that includes funds.
Conclusion – About project, its weakness, threats, opportunities & strengths.
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ereborne · 21 days
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Song of the Day: May 3
"Life Less Frightening" by Rise Against
#song of the day#'I don't ask for much / truth be told I'd settle / for a life less frightening'#another song that when I sing it alone it doesn't sound much like the original but I do so like to sing it#check me stirring my roux humming 'these lives we live test negative for happiness' sweetly to myself#today was Friday and I'm still trying to decide if I'm satisfied with the amount of work I got done this week#I suppose I'll have to be#I had my weekly report meeting and again the updates my boss asked for in the meeting were not the ones she asked me to prepare#so I split-screened her and delivered the prepared updates as I frantically opened and updated the new request#and then when she finished making politely falsely interested sounds (I'm not bitter I'm not I'm not) she asked again for the new update#and by then I had it ready! saved it as I brought up the share-screen and showed it to her#too frustrated in the moment to be properly proud of myself but now it's hours later and I'm feeling a little smug about it#little back-pats for me#I have something like a project timeline worked out for the idiot project#and I did some good work in the garden (nasturtium growing up the post under the bird feeder. very pleased it took the transplant so well)#and I sooooort of sorted the freezer stuff. kind of. mostly we ate the things I wanted to rearrange but I've got a plan for moving forward#the last non-work thing I'd really wanted to accomplish this week was getting my queue set up again here#I've gone through my drafts and done some prep but as you can see the queue isn't actually running again yet#hopefully I'll do that tomorrow. we'll see how it goes#the queue may have to wait until Sunday because I must confess if I can accomplish only one single solitary thing tomorrow#I would like it to be six hours of uninterrupted sleep. may it please the gods I shall rest tomorrow. blessed weekend#edit: wait wait I'm a fool I'm a fool I just typed 'May 3' and still I am a fool#it's May the Fourth!!#happy star wars day my loves if I don't get the queue up today after all#it's because I'm reshuffling everything because I've got a new influx of SW posts to distribute!!
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tolerateit · 10 months
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dykehayleywilliams · 1 year
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FUCK im finally watching paramore’s TIME discography interview and the interviewer is SOMEONE I FUCKING WENT TO COLLEGE WITH
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steampoweredskeleton · 5 months
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Tomorrow I am going to buy baldurs gate as soon as I've finished work and I am BUZZING WITH EXCITEMENT
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2030kamenriders · 2 years
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About to write half a thousand words about my cursed trips to the forest for a 5% of my total grade
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finlender · 2 days
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The project report is a basic record required at each stage while applying for Project Finance, Land acquisitions, Permits, and Licenses for setting up the industry in India."
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infotechs · 4 days
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setupfiling · 2 months
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Income Tax Return Filing for the Last 3 Years under Section 139(8A)
Setupfiling.in is an online leading platform that provide #Business Registration, #GST Registration, #Trademark Registration, #DPIIT Recognition, #Project report Preparation, #Income Tax Return Filing and Other #tax compliance services. At setupfiling.in, Entrepreneurs and their Families can avail all CA, CS and Legal work under one platform. Visit us www.setupfiling.in or Contact Us +91 9818209246
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carservice · 18 days
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shaitaani · 7 months
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Hi how are you doing
im fine but i have so much to do
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orangerainforest · 8 months
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bankloan · 9 months
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Crucial Need for CMA Reports in Business Management
In the dynamic landscape of modern business, making informed decisions is paramount for sustainable growth and profitability. The Cost Management Accounting (CMA) report stands as an invaluable tool that equips businesses with essential insights into their financial operations. This comprehensive document not only aids in understanding costs but also plays a pivotal role in strategic planning, resource allocation, and performance evaluation.
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Understanding CMA Reports
The CMA report is a detailed analysis that delves into a company's cost structure, revenue streams, and overall financial health. Unlike traditional financial statements, which focus on historical data, CMA reports provide real-time and forward-looking information. This enables business leaders to make proactive decisions that can positively impact the company's future.
The Need for CMA Reports
Effective Cost Management: In a competitive market, optimizing costs is essential for maintaining profitability. A CMA report identifies cost drivers, analyzes cost behavior, and pinpoints areas where expenses can be minimized without compromising product or service quality.
Strategic Decision-making: Businesses must adapt to changing market conditions swiftly. A CMA report aids decision-makers by providing accurate data on costs, revenue trends, and market dynamics. This empowers them to adjust strategies and seize opportunities effectively.
Performance Evaluation: Evaluating the performance of various departments or product lines is critical for identifying strengths and weaknesses. CMA reports provide insights into which areas are contributing the most to the company's bottom line and which might need improvement.
Resource Allocation: Efficient resource allocation ensures optimal utilization of assets. CMA reports assist in determining where resources are most effective and how to allocate them strategically for maximum returns.
Budgeting and Forecasting: Planning budgets and forecasts becomes more accurate with CMA reports. These reports provide a clear understanding of expected costs, revenues, and profitability, enabling businesses to plan ahead effectively.
Pricing Strategies: Determining the right price for products or services requires a deep understanding of costs. CMA reports help in setting competitive prices that cover costs and maintain profitability.
Risk Management: Businesses operate in an environment fraught with risks. By analyzing costs and revenue patterns, CMA reports enable businesses to identify potential financial risks and take preventive measures.
Creating a CMA Report
Constructing a comprehensive CMA report involves various steps:
Data Collection: Gather accurate data on costs, revenues, production volumes, and other relevant factors.
Cost Classification: Categorize costs into fixed, variable, and semi-variable, as well as direct and indirect costs.
Cost Analysis: Analyze cost behavior, break down costs by department or product line, and assess cost-volume-profit relationships.
Variance Analysis: Compare actual costs with budgeted costs to identify variations and their underlying causes.
Trend Analysis: Examine historical data to identify patterns and trends that can guide future decisions.
Conclusion
The world of business demands precision, adaptability, and informed decision-making. In this context, CMA reports emerge as a critical tool for success. By offering insights into cost structures, revenue streams, and overall financial performance, these reports empower businesses to navigate challenges, capitalize on opportunities, and pave the way for sustained growth in a competitive landscape
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financesevaloan · 1 year
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What Is Credit Monitoring Arrangement (CMA) And How to Prepare CMA Data
What Is CMA Data?
Credit Monitoring Data is the financial report of the business that gives complete information about the leading institution about their past performance and an analysis of their future growth.  what is credit monitoring arrangement (cma) and how to prepare cma data report has been in operation since 1988 and is the key to control credit. The Reserve Bank of India has mandated all banks to prepare CMA data before lending loans to large borrowers. CMA data is required for all types of loans i.e., project loans, term loans, and for all types of finances.
If the CMA report is not properly made, then the maximum chances are that your CMA report may get rejected. Let's talk about the necessary documents required to prepare a credit monitoring arrangement report so that your bank loan can’t be rejected.
Documents To Be Present at Hand to Prepare CMA Data
- Income tax return and complete information about the owner
- financial statement of last two years audit report
- provisional financial statement of the year in which CMA data is prepared
- cost sheet of direct and indirect expanses
- comparative financial statements of 5 years
- fund flow statements
Things To Keep in Mind While Preparing CMA Data
-  restrain yourself from providing any false information
- all assumptions should be reasonable
- company must have all valid proofs of business growth
-  attach the profit and loss account and balance sheet  
-  all provisions should be made about future profit and loss
-   CMA report should be based on facts and the actual business  
By providing a CMA report your chances of getting a loan approved will increase. The bank will verify all the facts and your loan should be provided according to that only.  
If you are interested in saving your time and increasing your chances of getting a loan approved contact us. Get your CMA report by using our online service.
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strang3lov3 · 8 months
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VS
Summary: Yours and Joel’s newest patrol task is exploring the old mall not far from Jackson. You learn what Victoria’s Secret really is. (She was NOT having an affair with former president of the United States Colonel Sanders) AKA grumpy cranky joel and you get down and dirty in an old Victoria’s Secret.
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This is part 1 of my new series “Mall Rats”
Warnings: smut, fingering, unprotected piv, creampie, doin it in front of a mirror (thanks gracie!), reverse cowgirl, joel is a dick, joel is condescending, reader is charming just like me, Joel does all the work because reader is a lady and Joel is an asshole.
W/C: 4.7k
“Weird looking stairs,” you mumble as you take in the unique environment. Beneath your feet are metallic steps with deep lined grooves, in front of you is Joel, stepping down the staircase. In the enclosed building, the walls are lined with different shops, there’s a few different seating areas. Old posters, advertisements. Colorfully painted walls are overgrown with roots and vines. 
“S’cause they’re not regular stairs,” Joel says with a gruff voice. “S’called an escalator. Didn’t have to walk up and down the steps, you could stay stationary and it’d move ya up an’ down.”
“Sounds cool.”
“No,” Joel mutters. “Not cool.”
None of this is cool to Joel. In fact, it’s the opposite. 
Tommy and his crew had stumbled across this mall while on patrol. Of course they couldn’t be one hundred percent sure, but they deemed it largely safe of infected. He wasn’t sure how picked over it was, but he figured it would be a good task for you and your curious mind. Comb it through for supplies, clothing, entertainment. Take notes and report back to him. 
So what was Joel there for?
To chaperone you, of course. Keep you out of trouble, keep you safe, answer your million and one questions. 
It was Tommy’s sick and twisted idea of a joke. Joel’s new patrol project involved two of the things he disdained the most: Malls, and you.
 Comedy gold.
“No,” you mock his tone with a silly face, “Not cool.”
Joel rolls his eyes and ignores you. When you reach the bottom of the steps, he looks at his surroundings as he reaches in his bag for his flashlight. Turning it on he says, “We’ll start down here and work our way up. Scope everything out, get familiar. Then you can start combing through the stores for supplies and what have you. You stick by me. No wanderin’.”
“Don’t you mean we?” you ask. “We comb through the stores.”
“No, sweetheart, I don’t. S’your job, not mine. I’m just here to keep ya from gettin’ killed.”
Whatever. Joel can bitch and moan about this all he wants, but you’re grateful for the opportunity to explore the infinite wonders of the mall. It’s not like you’ve got much else to do. You’re indoors, safe from the elements and infected. You’re not complaining. 
You reach into your own bag and pull out your flashlight. You turn it on, and the light flickers dimly. You smack it with your palm a couple times before the light finally goes out, then turn to Joel with a sweet smile on your face. “You wouldn’t happen to have a couple extra–”
“You’re lucky I do,” Joel glares at you as he digs through his belongings to find a couple of double A batteries in his pack. You hold out your hand and he begrudgingly drops the batteries in your palm. “Quit fuckin’ around. Be prepared next time.” He’s certainly jolly today. 
You replace the batteries and turn your flashlight on, and begin to make your way through the bottom level of the mall. Joel’s said nothing since giving you the batteries. 
“So what did you do here? Or, not here specifically. Just like, malls in general,” you ask as you make your way through tables and chairs. A big sign on a nearby wall informs you that this area is called the food court. 
“I did nothing. Malls were always packed with people, way too busy. Too many teenagers. Expensive too,” Joel scrunches his nose as he catches a whiff of something foul at an old hot dog stand. “But other people, they’d come here and shop for clothes, get somethin’ to eat. Could catch a movie f’ya wanted.”
“So where’d you get your clothes from?”
Joel shrugs. “Dunno. Just kinda always had them in my dresser, I guess.”
Sounds like Joel. 
There’s a Panda Express, something called Auntie Anne’s that you and Joel are looking through together. He’s eyeing the cooking equipment and you’re baffled as you stare at a five gallon drum of nacho cheese on the floor.
“That cheese is probably still good,” Joel comments. 
“You’re joking.”
“It ain’t the real cheese like we got back in Jackson. Auntie Anne’s was a pretzel shop, lotta people would dip ‘em in that cheese.”
Auntie Anne’s doesn’t have much to offer, so you and Joel move right along. Next stop is Kentucky Fried Chicken. You point to the man on the logo. “Who’s that?”
“Colonel Sanders. He was the president way back when.”
You know better. “No, he wasn’t.”
“Sure he was,” Joel says. “You weren’t there. You don’t know.”
He’s such a dick. You roll your eyes and leave him and Colonel Sanders to their own devices as you walk through the rest of the food court. 
Joel doesn’t realize you’d left. He tells you another Kentucky Fried Fun Fact and when he’s met with no answer, he looks up to find you at Cinnabon at the end of the food court. 
He makes his way to you then kicks you with his boot. “Didn’t I tell you to stay next to me?”
You ignore his question and ask him your own. “What’s Cinnabon?”
“M’serious,” he says. “No more wanderin’.”
“Yeah, yeah. No wanderin’.” you mock his Southern accent once more. But more importantly, you demand answers. “Tell me about Cinnabon.” 
“They’re just cinnamon rolls. Cinnamon. Bun. S’in the name, genius.”
“I’m guessing you didn’t like those much either, then.”
“Actually, they were pretty good. Big and gooey, covered in icing. You were supposed to split ‘em with someone but I never did.”
“Ah, right. You and your sweet tooth,” You smile. 
“I don’t have a sweet tooth,” Joel lies. “Keep movin’.”
So you do. There’s a lemonade stand here and there, but mostly shops now. A bookstore, jewelry stores. Something called “Wet Seal”. You ask Joel what it is, to which he replies “Fuck if I know.”
A shoe store has piqued Joel’s interest. He’s looking for a new pair of boots as you stare out the window of the shop, wondering who the hell Victoria is and what secret she’s hiding. Joel taps you on the arm to tell you to follow him as he leaves the shoe store.
“What’s Victoria’s Secret?”
“Oh,” Joel says. “Nothin’. We don’t need to go there.”
Oof. Bad move, Joel. Now you have to find out what the deal is with Victoria’s Secret. You take off for the store, ignoring Joel’s orders to stick by his side. “Did she have a secret affair with President Colonel Sanders?”
“No, god dammit. Get back here. We ain’t goin’.”
“Why not?”
“I just don’t wanna.”
But you do. So you ignore his bitching and approach the store, stopping when you realize exactly what kind of store it is. “Oh.”
Joel catches up to you. “Mhm,” he mumbles. “S’just underwear. Now c’mon, I’m tired of chasin’ ya.”
“No way,” you argue. “I need new underwear. I’m actually going commando right now, so this is perfect.”
 Joel makes a face like he’s in pain and pinches the bridge of his nose. “Jesus Christ. Boundaries.”
You don’t believe in TMI. 
You enter the store, entranced by the women in the photos and the black sparkly floor. There’s a big table with panties laid on top, drawers underneath that indicate sizing. You open the drawers with your size and begin sifting through the underwear. All different styles, patterns, colors. Way cuter than the few you have back in Jackson. 
You pick out a few different pairs. Brown with pink polka dots, pink with red roses. Some bikini styles, some boyshorts. You hold up a white pair with lace and a little blue flower sewn on the center of the waistband. “Joel, look! Aren’t these cute?”
“Just adorable,” he mumbles without bothering to actually look. If his voice were any more full of sarcasm he’d choke. Joel keeps his eyes firm on the ground, like he’s being intimidated by the mannequins and their threatening panties. You giggle and he shoots you a warning look. 
You look for a few more pairs, then find a few pairs that look a little different. You hold one up, trying to figure out which side you put your legs through. When you look at the nearly bare-assed woman in the advertisement that reads 5 for $20 above you, you realize how it’s meant to be worn. Oh, you think. Neato. You stuff a few of the thongs in your bag. Could be fun. 
Joel’s still behind you, eyes still focused on the floor, off in his own, prudish little world. You wonder what he’s thinking. There’s a fire engine red thong in the drawer, with sparkles and lace. You know, the works. And you know it’ll be just perfect for a special someone. “Hey, Joel. Found some for you.”
“Not interested.”
You loop the thong over your index finger and pull back with your other hand, then shoot it at Joel like it’s a hair tie. It hits him square on his nose and he catches it in his hand, then throws it on the ground as he pouts. “Alright, enough. You’re done. We’re leavin’.”
You shake your head. “Tommy said I’m in charge.”
Joel groans. “Oh, for the love of god. In charge, my ass.”
You know better than to keep arguing. So you just walk towards the bras, ignoring Joel’s voice in the background telling you to get back here. He hates it when you walk away from him when he’s speaking, so he always follows you so that you hear every last word. It works out, though. You get to do what you want, and Joel gets to give you his stern talking-to. How’s that for a compromise?
The bras are set up similarly to the panties, with different drawers for different sizes. Joel’s still going off about how you never follow orders, how you probably don’t even need any of this, you’re just doing it to get under his skin. And it’s working. Something about how when we get back to Jackson, I’m telling Tommy to take me off of patrol with y–
You interrupt. “The fuck?”
“What?”
“What does any of this mean? 30A, 30B, 32A, 34C, 34DD?” You hold up different bras and show him the tags. 
“Those are sizes, sweetheart.” 
“Yeah, I gathered that, thanks. But what’s my size?”
“Why’re ya askin’ me? Just grab one so we can go. Christ almighty.” 
Men. No help at all. 
Surely a store that specializes in bras must have some sort of sizing chart or something. There’s end caps with different beauty products, you stuff a strawberry flavored lipgloss in your pocket as you search. The register might have something, you guess. And lucky you, you’re right. Under the counter are a few measuring tapes and charts. 
Predictable Joel follows you, of course. He says nothing as you read through the instructions. First wrap around your back, under your armpits and just above your bust. That’s your band size. Then do the same with your bust, and subtract the band size from the bust. There’s your A, B, C, D and so on.
You take off your hoodie and stand in just a tank top, no bra. When you said commando, you meant it. Joel watches you as you wrap the measuring tape around yourself. 
“Sweetheart,” Joel interrupts, and he sounds exhausted. “What are you doin’.”
“Making you a Cinnabon, what’s it look like?” you mumble with your chin smushed into your neck as you try to read the numbers on the tape. 
And Joel thought Ellie was annoying. 
You’ve got the measuring tape twisted and tangled behind you, and you don’t even realize it. The inner contractor in Joel can’t bear to watch any more of this fuckery. “Give me that,” he spits, yanking the measuring tape away from your body. “You’re useless.”
Joel looks over the directions for a moment before tapping your arms. You lift up, he wraps the measuring tape properly around your body. There’s a nearby pen and he scribbles the number down, then lowers the measuring tape, his thumbs skating over the clothed flesh of your breasts. Your nipples harden as his fingers brush them accidentally. 
And you thought the thong you shot at Joel was red. It doesn’t even begin to compare to the shade of crimson Joel’s face turns as he realizes what he’s done. Quickly, he drops the measuring tape and writes down the second number and your bra size. “Ther-” his voice cracks and he clears his throat. “There. Go find your bra. Then we’re leavin’, and I’m not arguin’ this time.”
You smirk at his vocal mishap. “Okay. But I have to try them on first.”
“You never make things easy for me, do you?”
Joel follows you as you look for a few different bras in your size. You pick out a few that match your panties, and a few others. There’s a silky black bra with so much memory foam padding that it rivals your pillow at home. Again, perfect for your special someone. 
Joel’s smelling different perfumes when you sidle up to him and lay the bra on his head, the large cups sitting on either side of his scalp. “Mickey Mouse,” you tell him.
Joel glares at you as he removes the bra and drops it on the floor. “You are giving me a fuckin’ aneurysm.” 
You look pleased with yourself, which only makes him more pissed off. But the table next to Joel catches your eye. There’s a pretty satin babydoll dress, with a matching pair of panties. It’s a nice light pink color, with pretty floral lace. “Hmm.” you mumble, thinking to yourself.
Joel watches your eyes leave his face as you become distracted. “What?” he turns his attention toward where your vision is focused. “Oh. Nope. You don’t need that.”
 “Why not?”
“You said you needed underwear. S’lingerie. All them frills and lace…” Joel trails off.
“I think it’d be nice for a date night.”
Joel’s jaw clenches slightly. “I do not envy the poor bastard who takes you home,” he says. He’s probably just annoyed, at his wit’s end with you. Probably not jealous. Definitely not jealous. “But guys don’t give a shit what you’re wearin’, honey. Just wanna get what’s underneath. S’a waste of time.”
You shrug and grab your size in the lingerie anyway. Then you take off towards the dressing rooms to try everything on. You enter the first room on the right, and Joel sits at a bench directly across, just a few feet away from you. 
You try on a couple of bras and feel pleased when they fit and support you. They make the girls sit pretty, too.
You take off the bra and eye the pretty babydoll and its matching bottom. So you try it on, and it’s gorgeous. It frames you nicely, sits right above your ass to show off the panties. You admire yourself in the mirror for a while before deciding you’ll save it for a date night. Fuck what Joel says. Maybe he doesn’t like lingerie, but that doesn’t mean you can’t. 
Things are going smoothly until you try to unhook the babydoll in the back. It’s stuck or something. You fidget with it for a second, accidentally smacking your elbow against one of the dressing room walls in the process. 
“Y’alright in there?” Joel calls out to you.
“Fine, just uh…” You step out of the dressing room. “Need your help with the hook in the back. It’s stuck.”
Joel looks like a deer in the headlights when you stand before him, clad in your pink satin babydoll and matching panties. You leave the changing room door open, Joel stares at your ass on the mirror attached to it. He’s all flustered, eyes wide and mouth agape. “Lord have mercy.”
“Yeah, I know. You’re not a lingerie guy.”
Joel swallows thickly. “I don’t know about that, exactly.”
“No?” You raise an eyebrow. Joel, suddenly a man of few words. How much nicer he is when he’s quiet, you think. “How about you unhook it so I can change?”
“Yeah I could uh…do that.” Joel stands up, then carefully holds the straps of your dress between his fingers. His featherlight touch leaves goosebumps on your shoulders. “Shouldn’t be wearin’ this. It’s very impractical.” 
“I know, Joel. You mentioned that.”
His hands trail lower down the straps, his fingers resting against your skin. “Uh huh. Cheap material…could get torn very easily f’ya aren’t careful.”
And then his fingers are moving up the straps again. He places two hands on your hips and turns you around, fingers skating across your ass cheeks. You feel his body step closer to yours, his hot breath on your neck as he whispers, “M’sure it's not stitched too good. Probably not easy to clean, either.” He catches you off guard when you look at yourself in the mirror. He’s staring intently at the reflection of your body, then his eyes flicker to yours.
“Right,” you agree. 
Joel’s scanning your body again, observing how the fabric falls around your curves just so. He looks hungry, like the moment you peel your eyes from him he’ll devour you.
“Are you gonna take it off of me?” He ignores your question as he pinches the bottom of your babydoll between his fingers, the soft satin tickling your skin as he moves the fabric. “Joel?”
“Yeah, hon. I’m gettin’ there. Be patient f’me, now.” Your stomach flutters at the low timbre of his voice, the way he purrs in your ear. Joel absolutely does not like lingerie. Not one bit, god dammit.
His eyes are darkened with lust as he sucks in a breath, admiring the way your breasts sit beneath the clothing, the way it drapes over your stomach and rests on your hips. One of the straps falls off your shoulder and he clicks his tongue. “See? S’no good.”
“Guess so,” you agree, and he places the strap back on your shoulder, his fingers lingering for a moment too long as he contemplates his next move.
“Closer,” he pulls your hand towards himself, and you step backward. He lets his hands slide down your body over the lingerie and you watch him frown in the mirror, his hands stopping when he reaches the bottom of your dress. “N’it covers up all these pretty curves…” Joel lifts up the fabric, inspecting the craftsmanship of your panties. He takes note of the way they’re darkened beneath your core, sticky with your arousal. “These panties…thin, huh?” He traces a finger delicately over the strap on your hip, pulling it back and snapping on your skin. 
Your breath hitches in your throat. “Joel,” you breathe shakily, “You’re teasing me.”
“M’sorry, darlin’. Just tryna show ya somethin’.” You watch as he trails a finger over your mound, dragging it across the damp cloth and finding your clit over the fabric. He rubs steady circles as he whispers, “See, now look at that. You’re stainin’ em. Makin’ a big fuckin’ mess of yourself.”
You bite back a moan. “Joel, what are you doing?”
“What’s it look like, I’m makin’ a Cinnabon.” Joel mocks you from earlier, but you don’t catch his snide teasing. You’re foggy headed and lost in this moment. “I just said I’m tryna show ya somethin’. Now hush while I’m speakin’.” He pushes your panties to the side, smirking when he feels how soaked your soft folds are as he drags his fingers up and down your slit. Your knees weaken and wobble, and Joel wraps an arm around your waist to guide you back some more. He sits on the bench with you on his lap, tapping a foot in between yours. You spread your legs and your stomach flutters feeling his hardness press against you. You watch him through the mirror as he speaks quietly into your ear, his breath tickling you as two of his thick fingers breach your entrance and push inside. “You said this lil’ number would be nice for a date, right?”
You nod while whimpering, turning your face into his neck. With his other strong hand, he holds your jaw and turns your attention back to the mirror in front of you. “S’matter? Don’t be gettin’ all bashful on me now,” he murmurs.  He’s curling his fingers, swirling them inside you and memorizing every inch of your walls. “Watch how I touch ya.”
You watch his fingers twitch and dance under your pretty pink panties. You peel your eyes away to look at his face, and he’s focused on his hand between your thighs. 
“S’pose it could be nice for a date,” Joel breathes. “You’d wear this, what, under a pretty dress or somethin’?”
You nod again.
“And then when that pretty dress comes off that evenin’, then what happens?”
“I-I dunno, Joel.”
“I know you don’t, sweetheart. I’ll tell you what happens. Your gentleman's gonna take one look at this little getup and rip it right off. Leave it in shreds on the floor and break your poor heart.”
You’re waiting for Joel to do just that. But he doesn’t, he just keeps fingering you under your panties. Two fingers deep inside you, thumb painting circles into your clit. There’s a heat building in your stomach, tickling you from the inside. Joel takes a moment to lift you up, undo his jeans and pull himself out before he begins to rock against you. His head nudges between your cheeks, warm and smooth and hard. How you wish you could see it, hold it in your hand, feel him with your tongue. You squirm against him and find his free arm, hugging it tight to steady yourself on him. Joel chuckles in a low tone.
“But I know you feel pretty,” Joel continues, “M’gonna work around it for ya, baby, but only if you’re good t’me. You know what that means?”
You’re irritated as you shake your head no. Joel’s using his fingers to taunt you, tease you. He knows just how he’s working you up, giving you just enough to keep you squirming but not enough to send you over the edge.
“It means–” Joel pulls his fingers away from your core and you groan. “Shush. Quit your whinin’.” He pushes you up by your hips so he can pull his pants down a little further, then sits you on his lap again, this time with his cock sitting between your folds and your panties pulled as far to the side as he could get them. With his hands still on your hips, he guides you up and down, up and down, coating himself in your arousal. You can just barely make out the shape as his tip rubs against your clit. He continues, “Means no more wanderin’,” he pulls the top of the babydoll down and watches your tits fall out, his both hands leaving your hips and sliding up to play with your breasts. “Y’come prepared for patrol,” he notches his stiff cock at your dripping entrance, “And I’m in charge. Not you. We clear?”
You nod. You’re not sure how he did it, but with Joel’s teasing, he’s seemingly melted away every bit of attitude in you.
“Good girl. Now don’t say I don’t do nothin’ for ya.”
With that, he thrusts up into you, parting your insides. You watch his cock disappear inside of you before throwing your head back on his shoulder with a moan. Joel smirks before using a firm yet gentle hand to guide your head back where he wants it. “Watch,” he coos, reminding you. “You’re pretty like this.”
Joel uses his hands on your hips to bounce you on his cock, then lets them glide up your body. He palms your breasts, squeezing and watching your flesh move and bulge under his fingers. He gropes you a couple of times while pinching and twisting your nipples, enjoying the way your moans change pitch with the action. 
While Joel plays with your nipples, you ride him. Your thighs ache and tremble, knees shaking. You bounce yourself on him a little longer before letting yourself go limp. 
Joel takes the hint, drops his hands to your hips and picks up where you left off. You lean back and let him do his thing. “Gonna make me do all the work for ya, huh?”
You say nothing, just let those sweet sounds fall from your lips as he fucks you. You reach between your thighs and touch what you can of him, unsatisfied with the way you didn’t get to before. Joel makes a noise, seemingly enjoying it.
He kneads your ass as he uses his strong arms to move you up and down, snapping his hips against yours. “Fuck,” he hisses. He lets out breathy sounds, grunts and growls tickling your ear and making the hair on your neck stand straight up. He’s sweating, soaking through his shirt and making your back feel damp. You’ll take what you can get of Joel right now, but you’re wishing you could see him better. Feel him more, his skin, watch his muscles twitch under you. Or above you. You don’t have a preference at the moment.
“Joel,” you moan. “Oh, Joel.”
He smirks, pleased with the noises you make. Pleased with your lack of words, your lack of attitude. How docile for him you are. He would have fucked you long ago if he knew you’d be like this. So well behaved. 
He turns his face into your neck and bites down. Hard. He soothes the marks over with his tongue, whispering nothings into your skin. You find your clit with your hand and begin circling it while Joel fucks into you. You think you have the right. Joel, however, disagrees.
“Hey,” he smacks your hand away. “What’d we talk about? Who’s in charge?” You move your hand between your thighs again, and Joel circles your wrist with his fingers and holds it away from you. “I asked you a question.”
“You are, Joel,” you breathe. 
“S’right. Means I take care of ya,” In the mirror, you watch Joel let go of your wrist and find your clit himself. “Thought you’d know better. Just sit pretty. S’all ya gotta do.”
“Joel,” you whisper, “Let me come,” 
“What’s the magic word, hon?”
“Please,” you beg. “Please. Make me come for you, I want–I wanna come on your cock, please. Please, Joel.”
“Wrong,”
You huff, exasperated and frustrated. 
 “It’s Cinnabon.”
Joel shifts himself on the bench, finding the perfect angle. He continues fucking you, effortlessly finding that sweet spot inside you. He pulls back the hood of your clit, fingers painting the sensitive nub as he begins his work. Your thighs tremble and shake, he keeps you pressed tight to his chest. 
He’s magic. You’re moaning with abandon, eyes darting between the picture between your thighs and his face, and he’s playing with you like he owns you. 
“Right there,” you tell him. “Right there, Joel.”
Soon enough, your moans become breathier and broken, spread out between a medley of curse words and Joel’s name. 
“Yeah,” he says. “Look at you, comin’ so nice on my cock.”
You squeeze Joel’s working arm as you come, nails digging into his hot skin, feeling his tendons and muscles twitch under your fingertips. Your walls pulse and contract with your orgasm, the pleasure built up deep inside you spilling over and coursing through your veins. 
You’re limp against Joel, letting him use you as he chases his own release. He sits you straight up, bounces you harshly for a moment before breathing through his gritted teeth. You pull your attention from the mirror in front of you and focus your vision on your lap, watching as he comes inside you. Watching yourself soak his cock. He keeps you moving, his spend spilling out of you and over your pink panties. 
Joel pulls your body off of him and sits you back down. His spend continues dripping out of you, spilling onto the bench. He gets your clothes out of the dressing room and places them next to you, then stands you up and unclips your babydoll dress in the back. You forgot about that. But he did say he was getting to it, after all. 
He pulls the garment off of you, then helps you out of your stained panties. He helps you into a new pair of panties, the white pair with the little blue flower on the waistband. “So you’re not goin’ commando anymore,” he says. Then he dresses you in one of your new bras, your shirt and your pants. The lingerie lays crumpled on the floor. 
“So you still don’t like lingerie?” you ask.
Joel shrugs. “Keep it. I don’t care,” He presses a kiss to your forehead. “You tried your shit on, we’re leavin’.”
That’s fine by you. Next stop is Bath and Body Works. You spotted it earlier, and you actually know what that store is. You’re low on body sprays and you’re gonna make Joel help you pick out some new ones, even if you have to drag him kicking and screaming. 
‘Cause Tommy said you’re in charge. 
Part two here
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