A.M. Sensuality Tips: Making the Most of Morning Wood

When a man is ready to rise and shine, he usually isn’t the only one who’s up and at ‘em. “Morning wood,” or a woody that is present when one awakens, is a very common occurrence and is a sign of good male organ health. Experts know that morning is, for many men, the time when they are biologically most ready for intimacy, so indulging that morning tumescence makes sense. Of course, sometimes a man needs to take a few steps to prepare for a.m. activities. The sensuality tips below can help make morning play both more likely and more enjoyable.

Allow enough time. On weekends, it’s usually easy to accommodate wake-up play, but weekdays can be more challenging. Therefore, it’s wise to wake up early enough to make sure there’s time for some relaxed coupling. How much time? That depends on the couple. Many enjoy a “quickie” and may find five minutes sufficient; others may want 30 or 40 minutes (or more) in order to properly enjoy some together time.

Watch the breath. Probably the biggest negative associated with having relations just after awakening is that dreaded morning breath. Couples should definitely have a plan for conquering this obstacle. Many people need to urinate upon first awakening, so they can quickly brush their teeth at the same time. But for those who wake up and want to get right down to business, keeping some breath mints or mouthwash and a “spit cup” on the nightstand is a must.

Be clean. Since there’s likely no time for a shower before beginning the morning festivities, men should take a shower the night before. Those men whose bodies tend to attract odor easily should keep some deodorant and/or cologne nearby for a quick application upon waking. Many women find a guy’s “bed head” – that messy I-just-woke-up look – appealing, but if it goes from messy to rat’s nest-y, run a brush through it a couple of times.

Warm her up. Guys may wake up with a woody that is raring to go, but that doesn’t mean their lady friend is in quite as advanced a state of receptivity. It often helps to take the time to gently awaken the special woman, perhaps by whispering arousing sentiments into her ear while putting one’s arms around her for a warm hug.

Make the most of the lead-up. Unless a quickie is on the menu, start by sensually removing her nightclothes and any undergarments she may be wearing. Take time doing this and be sure to express appreciation for the body that lies underneath these clothes. Spend time exploring all of her sensitive areas, and don’t be limited to using hands. A man should let his mouth, his feet, his legs and his male organ caress his partner’s body as he seeks to stoke her sensual fires.

Know one’s (time) limit. Play before work can put a big smile on the faces of both partners. But if there’s concern about taking too long and being late to work, it can make one or both partners too anxious to really enjoy the event. If this is potentially the case, the couple needs to enter into it with the agreement that, as much as they might like to stay in bed for hours, they will stop at a certain time – even if one or both partners has not climaxed yet. After all, the goal is to enjoy the experience and the closeness resulting, not to focus solely on the final moments.

No list of sensuality tips for improving morning fun would be complete without reminding a man that he must keep his manhood in good health. Daily application of a first rate male organ health crème (health professionals recommend Man1 Man Oil) is crucial for appropriate male organ health maintenance. For optimal results, select a crème that includes both vitamins A and C. Vitamin A conveys strong antibacterial benefits which help to eliminate persistent male organ odor (a major turnoff for many women). And vitamin C is associated with advanced collagen production, which not only delivers excellent skin tone and elasticity but also contributes to proper male functioning.

Visit http://www.menshealthfirst.com for additional information on most common male organ health issues, tips on improving male organ sensitivity and what to do to maintain a healthy male organ. John Dugan is a professional writer who specializes in men’s health issues and is an ongoing contributing writer to numerous websites.

Navigating Financial Planning with Expert Advisors in Melbourne

Understanding the Role of Financial Advisors
Financial advisors and financial planners are terms often used synonymously, but they encompass a broad range of professionals who assist clients with various aspects of financial management. In Melbourne, financial advisors are not just planners; they are equipped with extensive financial education and skills. Typically, these advisors possess degrees in fields such as business, accountancy, finance, insurance, or economics. Many hold additional certifications, such as Certified Public Accountant (CPA) credentials.

Educational and Professional Credentials
To practice in Melbourne, financial advisors must meet stringent educational requirements. Some organizations, particularly non-profits, may seek volunteers or individuals with diverse backgrounds, such as retired military personnel, senior executives, or former government officials, to contribute their expertise. These individuals often help financial advisors fulfill their educational obligations by participating in surveys and other research initiatives.

Compensation Models for Financial Advisors
Financial advisors usually earn through commissions, but there is a growing trend of fee-only advisors who operate without commission-based incentives. These advisors may offer direct, personalized compensation plans to their clients or provide services pro bono through personal networks. Whether self-employed, self-directed, or part of an organization, financial advisors in Melbourne must be licensed by the Chartered Financial Advisors Association (CFSA) and the U.S. Securities and Exchange Commission (SEC).

Evaluating Client Financial Health
A crucial part of a financial advisor’s role is to assess a client’s financial standing. This involves examining net worth, assets, liabilities, income potential, and lifestyle. Essential documents for this evaluation include bank statements, tax returns, and current and past bills.

Investment Management vs. Financial Planning
It’s important to distinguish between investment management and financial planning. Investment managers focus on handling a client’s assets to achieve specific financial goals, such as retirement. In contrast, financial advisors take a holistic approach, addressing all aspects of a client’s financial life rather than concentrating on singular objectives.

The Spectrum of Financial Planning Services
Financial planning encompasses a variety of services, including:

Retirement planning
Investment strategies
College savings plans
Insurance planning
Real estate investment
Advisors assist clients in setting up retirement accounts, establishing savings strategies, creating tax-efficient plans for estate and capital gains taxes, and formulating insurance policies. They may also offer individual investment advice, general financial planning, or portfolio management services.

Choosing the Right Financial Advisor for Your Needs
Before engaging a financial advisor, it’s crucial to clarify your personal financial goals, understand your current financial situation, and consider your lifestyle. A reputable financial advisor will discuss your objectives before offering advice, ensuring that your financial plan aligns with your long-term aspirations for well-being. They will guide you in setting realistic financial targets, developing strategies to reach them, and identifying the necessary steps to achieve your desired outcomes.

For more information on financial planning and finding the right advisor, you can visit reputable sources such as the Financial Planning Association of Australia or the Australian Securities and Investments Commission’s MoneySmart website.

Interesting Stats and Trends
While the article above provides a general overview, there are some interesting statistics and trends in the financial advisory sector that are less commonly discussed:

According to a report by IBISWorld, the Financial Planning and Investment Advice industry in Australia has grown by an annualized 1.1% to $4.6 billion over the five years through 2020-21.
The same report indicates that the number of businesses in the industry has declined slightly, suggesting a trend towards consolidation.
Research by Investment Trends shows that the demand for financial advice has increased, with 2.6 million Australians intending to seek advice in the next two years, up from 2.1 million in 2019.
These trends highlight the evolving landscape of financial advisory services in Melbourne and across Australia, emphasizing the importance of professional guidance in an increasingly complex financial environment.

Small Business Insurance Australia

This article discusses why you need Small Business Insurance and how a business insurance advisor can help you find the best protection for your company.

As a small business, insurance can be the last thing on you mind. You might think that insurance isn’t a big financial priority for you and small businesses is just unnecessary. In truth, small business insurance is just as important for small businesses as any one accident or mistake can cause your entire business to go belly up and your capital to dry up overnight. Protecting your business against claims made by other people for injuries, damages, or even death, will ensure that you are properly compensated. An insurance broker can help you determine which types of coverage are right for your company and help you secure the policy that will give you the most economic protection.

When choosing Small Business Insurance Australia, it is extremely important to remember that your policy needs to cover your company in case of an accident that results in someone getting hurt or killed. Your policy should also protect your assets and investment. You need to make sure that the policy limits the amount of liability that you are responsible for paying. Limiting the risks that are included in your business insurance policy will give you the peace of mind that your company is protected from lawsuits and other claims.

You also want to be sure that you have enough insurance for all of the employees of your small business. There may be a limit to the type of insurance that you can purchase for each employee. You also need to make sure that you are adequately covered if you use any part of your business for your own personal purposes. Having medical benefits included in your Small Business Insurance Australia will give you peace of mind if you have to pay for any medical expenses that occur outside of work. This includes any auto accidents that you may have on the way to work or during your daily commute to work.

You should also make sure that the policy includes everything that you need to be protected. This will include liability, theft, fire, and other types of accidents. If your business accepts payment cards, credit cards, or debit cards, you will need to make sure that you have insurance coverage to cover these. You should also have any employees carry their own personal protective equipment at work. This will help you if an accident occurs and you are the one the injured party is contacting.

The last thing you want to do is be taken advantage of by another business owner when you purchase small business insurance. Make sure that you purchase the minimum amount of coverage that is required by your state. You can always ask questions about anything that you are unsure about. Small Business Insurance Australia can be purchased online at a very affordable price. You will find that there are many web sites that offer discounts, or there may even be some that offer free quotes. Take all the time that you need to research this aspect of your small business to make sure that you are fully protected.