{questions}

Spouse swapping is a no go zone for the reserved in our society. If you were born in the 1950’s i will excuse your thinking. Nowadays, everyone is mad about sex and it does matter whether they are married or not. It is against the religious teachings but everyone including the clergies are running sex mad like drunken farm animals. Sex is everywhere from the workplace to the church and it so confusing to the older generation. What is used as the yardstick to measure the sex IQ? The old, young and the learned have different ideas about sex. Is sex bad or good? Is it a naughty and dirty venture? To see where you stand in the social-sexual psychology take the following quiz whether you are a professional or a civilian. If you are in the military, is it wrong to have sex with a civilian? This means that you will have to lie around and sneak out to go see your partner. Is it right to have sex for money? I know your first answer will be no but think about it. Anything that produces revenue above $100,000 is business and money has no color. Would you admit to having sex if you were caught red handed? It is sheer stupidity to admit having a moral lapse as it might cost you more than you are prepared to lose. Sex is always directly related to business that is what everybody with a high sex IQ should be thinking. Do you think if you are caught having sex you are funny? This means that the people who are caught at the act are not qualified and are less organized. If you are smart at having sex you are a good leader and a businessman. Is it wrong to seduce someone in order to have sex with him/her? There is a sports and media icon by the name Frank Gifford who was lured into having sex and ended up paying $100,000. It was so good that the woman in question was given a contract to do the job for around six months. I find this woman’s sex IQ very high because she used it to better her life. I am sure you also find her ambition very reprehensible. Do you think that people who have sex for money have anything better to do? Most people have sex and end up with huge troubles. Most people who use sex to get promoted are usually unqualified. They simply have nothing else important to do to earn themselves some revenue. Is it wrong to have sex with a subordinate stuff? People might say all manner of things but it is absolutely disgraceful to use power to try and impose intimate relationships on another person. People get abhorrent for using their position to abuse the subordinates probably even in your office but we only get to know the reported cases. Add up your score after every correct answer and pinch your yourself for every wrong answer. Public relations is the fastest growing sector in companies due to there being high sex IQs in the department.

{questions}

{questions}

{questions}

{questions}

{questions}

{questions}

Shopping for a life insurance policy can be confusing and frustrating. There are many different types of policies with different rules and privileges. Premiums vary significantly across providers and product types. One of the most popular types of life insurance is term life. Term life is straight life insurance without any of the bells and whistles. Whole life, on the other hand, usually carries an investment portion which grows in value and can be cashed out over time. Term life pays the face value of the policy at the time of death of the insured. Term life insurance has both positives and negatives in comparison to whole life. On the positive side, the premiums are usually significantly lower than whole life premiums because there is no investment portion. Many individuals with term life insurance find that having a separate investment account allows them to have more control over both their insurance and investments. The major downside of term life is that it has a limited life or “term”. It must be renewed at intervals, usually every 5 or 10 years. As you are older at every renewal date and may have increasing health issues, the renewal rates are generally progressively higher. Whole life policies last for just that- the whole life of the insured without having to re-qualify. The amount of term life insurance you need depends on your circumstances and your family’s financial goals. Think about what income your spouse would have to replace if you died. How many liabilities do you have right now including your mortgage, credit cards and car loans? Would it make your spouse’s life easier to have those obligations paid off on your death? You also may choose to include college funds in your term insurance face value but a better option is to set up an education fund separately an contribute to it regularly. Term life insurance makes sense for many families who need an economical way to protect themselves financially against the risk of death. Speak with your independent financial advisor about the type and amount of insurance that’s right for your situation.

Sex involves two people who are intimately related. It involves touch and eye contact, but here comes phone sex with a partner who is thousands of miles away. Phone sex compensates for the now impossible physical sex. Partners are separated by careers with deployments far away from the home environment. Many couples live far apart because of jobs, schooling, military posting and many others. It denies couples the opportunity for personal intimacy. In order to have safe phone sex, your relationship must have developed to the sexual stage. It is dogged by shyness at first but as time goes by both of you get to learn the ropes for a more pleasurable lovemaking on the phone. Many couples have confessed that phone sex is no laughing matter. You have to overcome the initial difficulties and teething problems in order to have safe phone sex.

Safe phone sex is always adventurous. Venturing into the unknown always comes with a lot of anxiety and gives you a good dose adrenaline wash. Phone sex is something you had never had before leave alone practicing it. But here comes a time when desperate situations call for desperate measures. Your partner has to answer to a call of duty. But does it mean it is the end of your sex life? Of course no. Experience the adventure of phone sex. At first it may feel like navigating through uncharted waters but if practiced safely you will take command and nothing will feel more pleasurable than phone sex. It feels so real sometimes. Just like your partner were there with you. It becomes a ritual that you always long for. It creates so much excitement in you. It is lovemaking done in a different style. Sex reloaded.

It needs prior preparation just like normal physical sex. You have to set the mood very straight before starting phone sex which means getting naked. You could even re-establish contact with yourself with a move akin to masturbation. Your mind must be psychologically prepared and tuned in order to achieve the desired height of pleasure. Their is no eye contact unless you have equipped yourself with a video cam. Remember safe phone sex is non sexual. It is all in the mind. A game of the mind which is the most versatile sex organ. Critics have labelled it as foolery but tele-fooling has the capacity of saving a relationship. It keeps couples in touch, it makes them feel more closer after a love making session on the phone. Safe phone sex ensures that the fire keeps on burning.

Dim the lights and heighten the theme of the night by putting some sexy music in your player. You are going to have sex with your partner and it is no mean joke. It could do with a little tele foreplay just to get things straight and flowing. Sex has never been better. Safe phone sex allows the creativity of the mind and body which makes you to identify with your body. You might discover what turns you on or some new erogenous zone you didn’t know. Imagine making a phone sex date with your partner. It keeps you in the right sex mood as you wait with anticipation for a physical meeting.