What Is A Payor Rider For Life Insurance?

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Life insurance products can be confusing, but very important when protecting your families future and your personal estate. Attached to each life insurance policy are riders, options, exclusions, provisions and waivers. A rider is a separate document that “rides” or attaches to the main life insurance policy that gives special provisions that provide benefits or make adjustments to the policy.

In most cases with juvenile life insurance policies, a parent or guardian is the policy owner that pays the premium and coverage, while the child is the insured. A payor rider on a policy will cease premium payments of premium if the parent (policy owner) becomes disabled or dies. The payments will become waived by the insurance company until the child has reached a certain age, usually ages 21 or 25.

A payor rider will apply when the payor dies or becomes disabled before the insured has reached an age that is stated in the policy, the insurance policy will still remain in force. This can be applied to death only or death and disability.

The payor rider guarantees the possibility that the juvenile insurance policy will achieve what it’s policy owner wanted it to do, even if the parent/policy owner isn’t there to see it happen. If the parent isn’t able to pay premiums, it still guarantees that the child will have an insurance policy.

This rider does expose the life insurance company to a greater risk, so they must charge higher premiums for the payor rider. The insurance company will manage these risks and pool all their policies together and determine the proper amount to charge to add the rider on. As with any other business, the insurance company is trying to make money. They employ actuaries that complete complex algorithms to arrive at figures which minimize risk, make the company money and while still being competitive in pricing against other insurance companies.

When the policy owner applies for the payor rider, they must prove that they are qualified for the benefit of the rider. This is done in many aspects including medically, morally, and financially. Before the insurer will include a payor rider with the juvenile policy, the policy owner or payor, must provide proof of insurability.

When applying for life insurance policies, make sure that your insurance agent explains all aspects of the policy thoroughly. An applicant will also have a “free look” at all policies, in which it gives the policy owner a time to review the agreement. Many riders can be included to polices that can be beneficial which could be added on for free or have an additional charge.

Source by Patrick OShea

Four Steps to Satisfy All Your Cravings to Achieve Happiness and Bliss

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People are trying to achieve happiness at any cost. They are willing to pay any price to make themselves happy or buy happiness for the future. If you ask a young profession slogging 18 hours day as to why he is working so hard. He is likely to ascribe his toil to attain happiness. Even if his immediate goal may be to make money yet his ultimate goal is happiness and the money is merely a means to attain that goal. People who crave power too believe that power would give them happiness. The people who are craving for the physical and sensual pleasure do so to achieve happiness. Yet all wealth, power and pleasure is not sufficient to make a person happy as his desire becomes higher and higher. Gandhi has rightly said,

There is enough wealth in this world that can satisfy every person’s need. Yet the entire wealth is not enough to satisfy one person’s greed.

Are We Like This Fisherman?

It is, therefore, no wonder that no one seems to be happy in this world as no one has been able to satisfy his desire. We all seem to be like the fisherman of this story.

There was a poor fisherman who used to satisfy the basic need of his family by fishing. Once he was extremely hungry as, he could not catch a fish for many days. With great effort, he caught a big fish. He was extremely happy and planned to take the fish home to feed the self and his family. However, the fish requested the fisherman to show mercy on her and spare her life. The fisherman was kind, and he put the fish back to water.

Then he saw that the fish became a Goddess. She told the fisherman, that she was a Goddess who had become fish due to a curse. The effect of the curse was to be removed only if a kind man spares her life. So she thanked the fisherman for sparing her life and making her Goddess again. She asked the fisherman to ask for a boon.

The fisherman was a simple man. He simply thought what he needs and asked the Goddess to give him a decent house, good cloths to wear and sufficient food to eat. The Goddess granted his wish and promised that anytime he needs her help, he can always come to the same place near the sea and she will appear again to grant him another boon.

The fisherman on his return to his home found that the hut had disappeared and replaced with a beautiful house. He found his wife and children dressed in beautiful cloths. There was the best of the foods to eat. His happiness knew no bounds.

Many months passed. Once he was walking in the market, when suddenly he was asked to get out of the road as the king of the State was passing from the road. He was forcefully removed from the road. From a distance, he saw the king passing on the road on an elephant, full of grandeur. He felt humiliated by the men of the king. Then he remembered the Goddess and immediately went to the same place on the seashore and desired to see the Goddess.

Goddess appeared and asked him to seek another boon. He requested that she must make him the King of the State. The boon was granted. Now the man was too happy. He has all the power and wealth of the State.

After few years, once he was taking a tour of his State on the gold studded elephant in the month of summer. The weather was hot and humid. He was sweating profusely. He looked at the sky and found the sun to be shining like a hot iron. He wished for the cool breeze. Yet there was no wind. He felt frustrated and went straight to the seashore and asked the Goddess to appear.

Goddess asked, “What do you need now?” He said that he wants, that the sun must shine as per his direction and the wind must flow as per his wish. The Goddess got extremely angry and said contemptuously, “You fisherman! I made you a king. Still you are not satisfied. Go and become fisherman again.”

The Nature of Man

The author on conclusion of the stays asked the reader, “Whom do you think was wrong? Was it the fisherman or the Goddess?” He then concludes that the man was right as it is the nature of the man to seek more. So the fisherman behaved as any other man would have behaved in a similar situation. However, Goddess did not behave like Goddess as she kept on fulfilling the wishes of the man when it was within her power. But when the man asked for something which was beyond her power, instead of telling the man the truth of her limitation, preferred to punish him by making him poor again forgetting what he has done to give her new life.

While many of us would agree with the conclusion of the author that it is the natural desire of man to seek more and more in this world to fulfill his desire, yet in some corner of our heart we also feel that had we been in the place of the fisherman, we would not have committed such a blunder and would have not asked for such an outlandish boon. We also know that even if the Goddess would have satisfied his wish, he would have come back to her for still more wishes. Many of us have virtual control over sun and wind, thanks to the discovery of the Air conditioners. Yet we do not seem to have happiness despite of fulfillment of all possible physical comforts. While, it is true that man has unlimited desire, yet it would be incorrect to conclude that the desire of man is only material.

Jesus was the true judge of human nature and he rightly said, “Man will not for bread alone.” While bread is necessary to feed the body, yet no man can live merely to satisfy his body. While an animal may remain contented after its physical desires are satisfied, man moves to the next level of desire on satisfaction of physical desire.

What are the different levels of desire? We can classify the desires of man in four distinct categories viz.

(1) Desire of the Body

(2) Desire of the Mind

(3) Desire of the Soul

(4) Desire of Spirit

Thus while an animal can spent his entire life for the satisfaction of his physical desires man has to satisfy the cravings of the higher level, which may lie dormant only till the lower level desires are not fulfilled. The true happiness is realized only when man is able to satisfy the craving of all four levels of desire.

(1) Satisfying the Craving of Body

The first need of every human being, like any other animal, is to satisfy the craving of the body. The desires of the body can be satisfied by food, water, shelter, and clothing; and by the fulfillment of the sensual needs. However, the physical needs are satisfied only for a small time and the cravings return after some time. Therefore, we want to ensure the satisfaction of physical needs for future also by accumulation of wealth and by creation of rituals like marriages which takes care of sensual needs. All institutions of man are created with a view that man can ensure satisfaction f all his physical needs for life so that he can advance to the next level of craving.

(2) Satisfying the Craving of Mind

We all find that people acquires wealth much beyond their need. Often such people are called greedy or filthy rich. Yet the fact is that accumulation of wealth is not for the sake of the satisfaction of the physical need but for the mental need as wealth provides them recognition and respect in the society. People earn respect and honor which seems to be related to their salaries or wealth. Bill Gates was surely respected by many because he was the richest person of the world. Yet, in reality it is not the wealth that is respected in society but the respect is for the mind that created the wealth?

Imagine, that you have acquired a billion dollar by chance, say by lottery or inheritance. Or you have acquired wealth by killing a rich person or looting a country. Would you feel happy? Would you get the respect of people? The answer seems to be negative.

The fact is that people do not respect wealth or like the wealthy people for their wealth. After all only the owner of the wealth enjoys the wealth. Yet they like and respect the mind hat created that wealth. Wealth is merely a measurement of the mental or intellectual capability of a person in this material world. If in a company, different people are paid different salaries, the chances are that the person getting higher salary is likely to be more intelligent or wise than the person getting lower salary. Hence people respect the person getting higher salary as they believe that he would have higher mental capability. Many authors and leaders like Gandhi and Mother Teresa were respected even though they had no wealth at all. They too had the potential to create wealth, which they chose not to do.

Men seek respect of the people, once they become rich or powerful. This can be done only if the person satisfy his mental craving and evolve intellectually. Therefore a rich person has to prove his mental worth to the society. All self-made men have already done so. Others have to do so by making sound investment in the business and acquiring more wealth, thereby proving themselves to be smarter than the other. If they fail to do so, they also fail to realize happiness.

(3) Satisfying the Craving of Soul

Most people acquire their wealth or power by proving themselves to be smarter than others. Hence most successful people should be happy as they have been able to satisfy their body and mind. Yet they fail to get happiness as their next level of craving starts.

People realize late in their life that they are unique in this world having unique personalities and skill. It is a deliberate design of the nature as every person has been designed for a purpose. Thus every successful person seems to ask at some point of his life, when they fail to realize the happiness, “Who am I?”, “What is my Goal?”, “What is the purpose of my life?”

Identifying the self is the greatest secret for the person. Once a person realizes it, he understands the goal and purpose for his life. All great people like Gandhi, Buddha, Newton and Einstein understood their purpose of life and created a new world by satisfying their soul. There is no logic why they did the things which were quite offbeat for the “normal” people.

A man is able to satisfy his soul, only if he knows himself correctly and follows the voice of his conscious rather then the logic of the world.

(4) Satisfying the Craving of Spirit

The final destination of the man is to attain the divinity by recognizing the God within and without. Once a man has satisfied the craving of his soul, he realize that all the world is one and every one is connected to each other by the common spirit which we often call as God or Supreme Power . After this realization, the soul of the man becomes one with spirit. So the person works for the satisfaction for every creation of the world. All his wealth and power, instead of becoming a means to satisfy his desire, is used to satisfy the desire of the spirit or God by serving everyone in this universe.

Happiness- The Only Goal of Life

Not many people feel the craving of spirit as even their lower level needs is not satisfied. Yet it is only due to this craving that people like Bill Gates donated all their wealth for the benefit of the society. Buddha too left his kingdom for satisfying his craving of soul and spirit.

Indian philosophy believes that once a man satisfies his craving of spirit, he become one with God and become free from the bondage of life and death. He achieves his salvation by becoming one with God. However, one who fails to satisfy his craving of Spirit has to come back again and again to this world till he or her is able to satisfy all the desires. The state of satisfaction of all craving is also called Paramanada (Ultimate Happiness).

Thus, the natural desire of man is to progress from body to mind to soul to spirit. It is like a treasure hunt where, the clue of higher level desire is found after the satisfaction of the lower level desires. The reward for discovering each treasure is happiness. Moving in this direction is the source of happiness while moving in the opposite direction is the source of all unhappiness, pain and miserly.

Thus every man can achieve salvation or God or enter the kingdom of God not by suffering pain but simply by satisfying the cravings of his desires which rewards the person by the feeling of happiness.

Source by Dr Awdhesh Singh

Couples Making Love Positions – Positions For Better Love Making

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In the Kama Sutra manual, it has recorded different kinds of love making positions that couples can adopt during sex. Some of the love making positions provides higher stimulation than the others and it will be good for you to try them out with your lover.

1. The Clip. This position is very easy to execute and it brings a lot of pleasure to both partners. The man will lie down with his legs outstretched. The woman will sit astride him and lean back, so that the man can play with her clitoris while she controls the thrusting movement. The man can just relaxed and enjoy the intercourse.

2. The 90 Degree. This position is best to be performed on a table, with the woman lying on it and her buttock at the edge of the table. The man will then enter her in a standing position. This position is ideal for the man to caress both her breasts as well as her clitoris. The woman should wrap both her legs onto the man’s waist and pull him to towards her. This will cause the pressure to increase, giving both partners stimulating pleasures.

3. The Doggie. This is a classic making love position and it is highly stimulating for both partners. This position starts off with the woman going down on all fours, using her forearms to support herself. The man will enter her from the rear, controlling the thrusting movement with his hips. This position will give a lot of pleasures to both partners as the deep penetration will not only grind and stimulate against the vaginal wall, but also the G-Spot too.

You should explore more love making positions with your partner to spice things up as there may be some other positions that both of you find highly stimulating.

Do you need more lovemaking tips & ideas to enjoy better love making with your lover? Check out the kama sutra website below for more ideas now:

Source by Crid Lee

Top 10 Benefits of Male Chastity

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Many people find the concept of male chastity fun and exciting. This is particularly true if the male partner is somewhat submissive or the female partner is somewhat dominant. But, it’s not only for couples in those kinds of relationships. In fact, it can benefit almost any heterosexual relationship.

Male chastity is not just fun and games – there are real benefits to the male chastity lifestyle.

Because the topic is so personal, often those interested fear ridicule and embarrassment so, many of their questions go unasked. Just check out a forum or two where someone dared to ask a question about male chastity…”weirdo, whack job, pervert, sicko…” are often the unkind comments returned. It is a personal choice in life, like anything else and can be discussed sensibly like anything else. That’s why I want to take some time today to write about the top 10 benefits of male chastity – for those who are to shy to ask about being under loving lock and key.

1. It stops your man from wasting his time and libido masturbating. If you are in a relationship, all of his sexual energy should be directed at you. It should not be wasted on him touching himself and thinking about other women. As long as he can masturbate, he is psychologically cheating on you – and lying to you by default.

2. Your sex life will improve. Because he’ll have to please you in order to get his release, he’ll become a more experimental and better lover. You will have more orgasms per week than you’ve ever had before.

3. Your relationship will become stronger. Male chastity encourages open and honest communication about each other’s needs. This is an incredible benefit for any couple, and why male chastity can help any couple improve their natural bonding.

4. His orgasms will improve. As long as he can masturbate regularly, he is taking action that desensitizes his penis. Once he is on a more normal ejaculation schedule, his penis will become more sensitive and his orgasms will become stronger.

5. You will never have to worry about him cheating on you. Face it – most men, no matter how much they love their wives, can’t turn down an attractive, sexy woman. Male chastity makes it impossible for him to act on these urges, so you are helping him remain faithful.

6. The romance will come back into your relationship. As long as he knows he can have sex with you any time he wants, there’s no reason for him to romance you. That’s why the romance stopped after you got married. By limiting his sexual access to you, you’ll train him to be the romantic lover he was when you were still dating.

7. You’ll never have to perform oral sex on him again. Of course, you can if you want to; but he’ll be quite happy with any sort of release, and certainly never bother you to do it for him.

8. Your friends will compliment you on what a wonderful, attentive husband you have. They will be so jealous of your strong, committed relationship.

9. He’ll become much more helpful around the house. Knowing that the only way he can get the release his body craves so badly is by pleasing you, he’ll actually volunteer to do the dishes, clean the bathroom and make the bed every morning. Won’t that be nice?

10. He’ll feel better about himself. Most men are ashamed that they masturbate so often (usually seven to 15 times a weeks! Ewww!). But, they are slaves to their libido and can’t help themselves. It’s an addiction. Mostly it makes them feel like little boys who can’t control themselves. Once he no longer is able to give into the temptation to masturbate, he’ll feel proud of his self-control and behave more like a grown-up man who releases his sexuality into his wife, instead of down the shower drain.

Those are just the top 10 benefits of the male chastity lifestyle. While male chastity may not be for everyone – many couples find it to be the perfect solution to relationship woes and bedroom boredom!

Source by Sara L. Collins

Designed for a Purpose

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Purpose creates the existence of everything which we see. The things which are seen existing are in existence because of its purpose. Purpose must be fulfilled and so things are built to exist as a means through which purpose is fulfilled, that without purpose nothing will exist. Everything built was made with the purpose in mind which means that purpose makes the things which we see possible. This is quite a compelling understanding because with this understand we can fully be aware of the reason why things are made differently, why a shoe does not look like an airplane because of their difference in purpose which created the obtrusive difference in the invention.


Watching lives being lived without discovering purpose is one of the most disturbing views to watch. We live a confused life when we refuse to discover our purpose, denying ourselves the opportunity to live the life that is full of everything that is for us only. We exist to serve a purpose, it is in the serving of the purpose that we really are living and so to be unaware of purpose is to exist without living. Anything that lives outside of its purpose becomes useless to itself and others, like a shoe, if it goes outside of its purpose, it becomes useless, useless because its potential is not been used and it is in no way needful in a place outside of its purpose. Each one of us is created differently because of the different purpose we have to fulfill and so our innate potential differs. We are unique like it or not.


There is a visible struggle that is seen in the very eyes of the ones who are frantically seeking after the knowledge of their purpose. It has in a way landed some people down the plane of search, put off the fire that burns for coming into purpose. In this stage of life, it is not all that goes into the forest that comes out with the revelation of their purpose. It is in the same look we have as humans that make it difficult to discover our purpose. A car and a phone, the purpose is obtrusive because we see the difference between them and we understand that our unique purpose makes us different but looking from the outside of ourselves, we look alike and that has left us with the struggle that has led many to die without fulfilling their purpose.


It is imperative that we come quickly into the place of purpose to live our unique life more fully. Knowing your purpose is a solution to the confusion you encounter in your life, the mirror which you see the place you fit and the answer to why you are said to be unique.

The first step is to go to your creator. The purpose of an invention is in the mind of the inventor and so if you can’t see the purpose of a thing, you ask the one who made it. It is therefore compulsory to go to God the one who created us to find our purpose. The seeking of God’s face is the discovery of purpose and so to be in the inventors mind is to find your purpose. If you can get God to keep you in his mind by seeking him ravenously, he will reveal to you your purpose.

The second step is a form of self-analysis. Observing yourself from within to see how different you are from others because the differences is as a result of your purpose so the moment you look for how different you are from others, you open your eyes to discover your purpose. This leads me to a thought that your purpose is your true identity, that who you are is not in the similarities you have with others but in the differences, that is why when we try to fit in with others, we compromise the possibility of discovering who we are and denying ourselves the knowledge of our purpose. The ones, who really know who they are, behave differently and if not already living on purpose, can easily discern it. They are the most productive, impactful and effective individual in the world

To discover purpose is to be aware of who you are. It gives your life a sense of meaning and responsibility, a mission and vision. To live on purpose is to fulfill the objective of the one who made you.

Source by Michael Ajayi

Balancing Pregnancy, Life, and Work

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Have you ever walked into a room or sat at your desk and looked at the pile of crap that has to get done? As you’re standing there you wonder how in the world can two people, who feel like they are never home, accumulate that much laundry and dishes. I mean seriously. The amount of laundry that piles up in my house with just my husband and me is insane and I know it’s going to get worse when little Davie gets here. I’ve never been a superb house keeper but as I stared the third trimester in the face I knew I had to start changing habits now in order to make our lives easier once our lives get turned upside down with a newborn.

The first order of business? Catching up on all the housework I hadn’t done in the first trimester. For those that didn’t know the first trimester was rough. I was sick all the time and I had absolutely no energy. I was easily in bed by 7 and regularly took naps on my lunch break at work. The house was the absolute last thing on my radar and it showed. So here’s where I started putting my game plan together.

Step 1: De-clutter, Deep Clean, and Reorganize. I knew that I wanted to get rid of as much crap in the house as we possibly could but I also knew that if I didn’t break down the projects into more “bite-size” pieces that I wouldn’t get any of it done. So I made a “Nesting To Do List” where I broke down each room and what needed to be cleaned and/or replaced. I made a commitment to get one “big” project done a week. Whether it was going through my closet and dressers or decluttering our desk (that had become a catch all) I got something done each week. That has been such a tremendous help. Within a month my kitchen, laundry room, guest room, master bedroom and bathroom was gone through and cleaned. This included going through and getting rid of excess clothes, knick-knacks, pots, pans, dishes, shoes, bags, anything and everything I didn’t need or use often was donated. I washed down walls, cleaned ceiling fans, appliances, etc. This is Spring Cleaning on Crack. I swear to you it has made all the difference in the world and keeping it on the fridge helps keep it in the forefront of my mind. I’ll explain why here soon.

Step 2: Set a New Precedent. Start small don’t make your new “rule” CLEAN ALL THE THINGS EVERY DAY. You are setting yourself up for failure that way. I started by making sure dinner’s dishes did not sit in the sink over night. I made my sink of hot, soapy water before I started cooking and as I was finished with something I would put it in the sink. That way you avoid the “I’ll just let this soak here overnight.” Nope. No more of that Mama, it just creates more work for you tomorrow. The next thing I added was not allowing laundry to go more than one day without being folded and put away. This is so hard for me. I hate folding laundry with a passion but you know what I hate more? Spending 8+ hours cleaning and folding laundry. Yes, that has happened. Starting with smaller goals like those have made it easier to keep up with the overall picture.

Step 3: Take 15 minutes a day and pick-up the house. I’m able to go to each room and pick-up the clutter and put it where it needs to be. I move clothes to hampers, trash to the trash can, glasses to the sink, shoes to closets, etc. Now I have a smaller home so this may need to be adjusted for you. You may need to take 15 minutes a day and do one room, or one level. Any quick picker-uppers when you can will open up more time for you to enjoy on your actual days off.

Step 4: Become a Lister/Planner. I have a list for everything, especially right now. I invested in a Plum Paper planner and I absolutely love it. The fact that you can pick from a lot of pretty colors, add so many different options, personalize it, and choose your start month are all aspects that I love. I’ll be purchasing my second one next month. I got the vertical design which allows me to add notes to the left side of my planner. I keep calls I need to make, bills I need to pay that week, and any smaller tasks I need to handle by the end of the week on the left. I mark once I’ve paid a bill and it’s out of the account. I made the mistake of marking “paid” on a bill before it was out of the account and it threw us for a loop when it hit our account a couple days later. On the right side I have all of my appointments written down for the week or any other important meetings/dates. Every morning when I get to my desk I open that planner and see what needs to be handled. Even a reminder to return a Redbox comes in handy when prego brain decides to strike.

Step 5: Learn to say no. This has been so hard for me. I have always been go, go, go with roughly 10 different things going on at one time. Once you’re pregnant though you have to understand that you have new limitations on energy. Even on my best days so far I have a solid 3-4 hours of high productivity for house cleaning and then I’m done. I also have to keep this in mind in my work day. I am most productive first thing in the morning so if there is anything imperative that needs to happen I handle it as soon as I get in. Which brings me to my next point.

Step 6: Be honest. I am very lucky to work with a very family oriented company and in an office that strives to take exceptional care of their employees. Management knew about our fertility struggles and was very considerate as we maneuvered through diagnosis, doctors’ appointments, and the emotional roller coaster that followed. So when I found out I was pregnant I told them right away. I understand that many women are not afforded this luxury so as you navigate your own first trimester be sure and take care of your current responsibilities but I would suggest not taking on any new projects. I think it benefited me and my team greatly that everyone knew so early. They understood if I was feeling sick and would take care of the phone calls I had to jump off of in order to make it to the restroom. They also were considerate making sure that I got the early lunch if I needed my nap earlier or if I needed to eat sooner. Again, I’m very blessed with my work family.

Step 7: Remember to take a breath. This is going to be one of the most joyous and life changing events of your life. I know how it can overwhelm you. What needs to be done, what needs to be cleaned, what needs to be purchased, how your plans are being judged by other mothers, and everything in between. However, take the time to focus on the things you are most looking forward to as well. One thing I’m really excited about? Getting the car seat in my truck. It’s like an official “I’m a Mom” stamp.

Balancing being pregnant, house work, being a wife, and being a co-worker can become quite the circus act but with a little extra organization, planning, and elbow grease you’ll ease into the transition with only a couple bumps. Happy Pregnancy Mamas!



Source by Jenn Bays

Categories of Ethical Dilemmas in Business

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First published in Exchange, the magazine of the Brigham Young University School of Business, the following twelve categories were developed to cover the root or cause of most ethical business dilemmas that one might encounter in their jobs. I have summarized them to keep them short and simple.

1. Taking Things That Don’t Belong To You

Everything from taking highlighters from the storage room, to sending personal mail through the mailroom, to downloading unauthorized games to play on your work computer fall into this category. A CFO of a major corporation took a cab from the airport to his home in the city. When he asked the cabbie for receipt, he was handed a full book of blank receipts. Apparently this dilemma of accurately reporting business expenses involves more than just one employee.

2. Saying Things That You Know Are Not True

When a car salesperson insists to a customer that a used car has not been in a previous accident, when it has, an ethical breach has occurred. When a clerk in a store assures a customer that a product has a money-back guarantee, when only trade-ins are allowed, another ethical violation occurred (and perhaps a violation of the law).

3. Giving Or Allowing False Impressions

There is an urban legend in which 2 CD’s were being sold on a TV infomercial that claimed that that all the hits of the 1980’s were on the CDs. The infomercial emphasized over and over again that all songs were performed by the original artists. When they received the CDs, upon closer inspection, they found that all songs had been covered by a band called The Original Artists. While technically true, the impression given by the infomercial was false.

4. Buying Influence or Engaging in Conflict of Interest

When a company awards a construction contract to an organization owned by the brother of the attorney general, or when a county committee who is charged with choosing a new road construction company is traveling around the state looking at roads at the expense of one of the bidders, a conflict of interest arises which might affect the results of that choice.

5. Hiding or Divulging Information

Failing to divulge information from the results of a study on the safety of a new product, or choosing to take your companies proprietary product information to a new job are examples that fall into this category.

6. Taking Unfair Advantage

Have you ever wondered why there seem to be so many product safety rules and procedures? It is primarily the result of laws passed by government institutions to protect the consumer from companies that previously took unfair advantage of them because of their lack of knowledge or through complex contractual obligations.

7. Committing Acts of Personal Decadence

Over time, it has become increasing clear that the acts of employees outside of work can have a negative effect on a businesses image. This is one of the primary reasons companies are minimizing social interactions or events, outside of the office, so that drug or alcohol related events can not be tracked back to the company.

8. Perpetuating Interpersonal Abuse

At the heart of this category of ethical misbehavior is the abuse of employees through sexual harassment, verbal lashing, or public humiliation by a company leader.

9. Permitting Organizational Abuse

When an organization chooses to operate in another country, it sometimes butts up against social culture in which child labor, demeaning work environments or excessive hours are required. It is at this point that the leaders of the company have a choice…whether to perpetuate that abuse or alleviate it.

10. Violating Rules

In some cases, people or organizations violate rules to expedite a process or decision. In many of these cases, the results would have been the same regardless, but by violating the rules or required procedures for that outcome, they can potentially scar the reputation of the organization they work for.

11. Condoning Unethical Actions

Suppose you are at work one day and you notice that a colleague of yours is using petty cash for personal purchases and fail to report it. Perhaps you know that a new product in development has safety issues, but you don’t speak out. In these examples, failing to do right creates a wrong.

12. Balancing Ethical Dilemmas

What about a situation that would be considered neither right, nor wrong? What should be done here? Should Google or Microsoft do business in China when human rights violations are committed daily? Sometimes an organization must balance the need to do business with any ethical dilemmas that might arise from doing business.

Source by John Bascom

10 Hot Text Messages to Send Your Boyfriend

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Want to send some hot and sexy texts to your guy?

You should because guys love it and it gives you power!

Imagine the power you have to get your guy excited at just the sound of his phone knowing a hot and sexy text from you is waiting for his eyes only.

Use these 10 hot text message ideas to get a guy thinking about you all day and nicely “warmed up” for more sexy fun when he gets home to you.

10 Hot Text Message Ideas

1. I want to feel those sweet lips all over me 2nite

2. Get over here, big boy. Show me what ur packin

3. Maybe you should spank me 2nite. I’ve been very, very bad

4. I love the way you kiss me… especially when you kiss my xxxxx!

5. UR so damn sexy and gorgeous!

6. IM free 2nite. Come over and take it off… slowly

7. UR my fav sex toy. When can you cum play?

8. UR tight jeans really show off your assets. They need further inspection 2nite

9. Want to see what I really want to do to U? Come over 2nite

10. IM going to control U 2nite with a blindfold, cuffs and my tongue

This Is Just The Start Of What Kind Of Sexy Texts You Can Send

Hot and sexy texts are made up of words that create vivid sexual images in your guy’s mind about all the things you want to do to him or that he likes to do to you that will get him turned on.

Send these kinds of texts to your guy and revel in the response you’ll get. It’s wicked fun to be able to turn on your guy by sending him hot and sexy texts he can read anytime and anywhere. He’ll be totally distracted thinking lusty thoughts about you.

Source by Natalie Monroe

What’s the Average Speed of Male Ejaculation?

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When a man is ready to ejaculate his body will undergo a series of events.

He will see an increase in the size of the head of the penis and the head may also change to a purplish color. His Cowper’s gland will secrete ‘pre-cum’ fluid which dribbles out of his urethra. His testes will move in towards his body, and increase in size. As well, he may experience a body flush, muscle tension, increase in heart rate and rising blood pressure.

Just before ejaculation he will feel contractions in his vas deferens, seminal vesicles, and the prostate, causing seminal fluid (ejaculate) to collect in a pool at the base of his penis. He will feel a ‘tickling’ type sensation. When ready to ejaculate, he will feel a “throbbing” around his urethra.

Ejaculate will leave his penis at roughly the same rate of travel as a city bus, about 28 miles per hour. But can reach speeds of 43 miles per hour depending how long since the last time he came. (It’s all fun and games until somebody loses an eye!!)

Once he has ejaculated, his scrotum and testes will return to normal their size. He will have a general feeling of relaxation and experience a refractory period (where a he is physically incapable of getting another erection). This period may be from a few minutes to much longer depending on his age.

Sex Tip: Unless he is at the point of no return, you can stop him from ejaculating by firmly (yet very gently) squeezing on the tip of the penis.

Source by Trina Read

2 Thrusting Techniques That Drive Her Wild in Bed

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This probably won’t come as a surprise to you, but almost no guys take the time to think about the thrusting techniques they use during sex.

I remember when I was having sex, before I learned all the “cool tricks” and ways to give women multiple orgasms, I never used to think about my thrusting techniques.

And if I did somehow think about how I was thrusting I just assumed “it probably doesn’t matter how i’m thrusting anyway”…

How wrong I was.

One of the things I discovered on my “journey” to becoming a great lover is that the thrusting techniques you use during sex can make the difference between her orgasming 3+ times or her feeling nothing.

So if you take nothing away from reading this but one thing then let it be this.

Experiment with different thrusting techniques every time you have sex.

As soon as you start consistently experimenting, suddenly you’ll be shocked when you come across a few different thrusting techniques that drive her wild.

And as you keep experimenting you’ll discover more and more great thrusting techniques, and eventually you’ll have a nice collection of thrusting techniques you can pick from every time you have sex that you know will get her to orgasm.

Now let me get a bit clearer about what exactly I mean by “thrusting techniques that drive her wild”.

Thrusting techniques are how you thrust your penis in and out during sex.

Most men opt for the fast, all in and all out approach with no change of rhythm, speed, depth or timing.

Here’s where you can be different.

Start mixing up the rhythm, speed, depth and timing of your thrusting.

Go fast for a bit, then go slow for a bit.

Go deep for a bit, then shallow for a bit.

You get the idea.

But you can also get a bit more advanced than this…

So here are two examples of some slightly more advanced thrusting techniques you can try out or get ideas from…

1 – slowly increasing depth and speed

women love build-up, teasing and anticipation.

You sticking your “thing” in full depth as soon as you start sex is not any woman’s idea of a good time (unless you’ve already got a history of raw physical attraction and exceptional pleasure giving, in which case you can break the rules now and again).

Like I said, women like to be teased.

So one great thrusting technique for this is to start off sex by entering your penis into her vagina at an absolute minimal depth and very slowly.

Then take it out again.

Then next time enter very slightly deeper and very slightly faster.

Then take it out again.

And repeat the process getting gradually deeper and faster.

Overall it’s a fairly slow process and it should take several minutes until you’re in full depth.

And because of all the teasing and anticipation you created, she’ll appreciate your deep thrusting 10x more than if you started full depth straight away.

2 – slow and shallow with the occasional slow deep thrust

this is another great thrusting technique for getting her to appreciate your deep thrust.

If you do this right you can experience her gasp when you go in deep.

How this one works is pretty simple.

Most of the time you’ll be thrusting very shallow, roughly an inch or two in depth.

Then every now and again, like once for every 10 shallow thrusts, perform a very slow thrust to full depth.

Because of the contrast to all the shallow thrusts she’s just experienced she will love the feeling of you going in all the way.

It works great.

And remember to just go in deep once and then return to doing 10 or so shallow thrusts before going deep again.

So there you have it.

Two examples of different thrusting techniques.

There’s an endless amount of ways you can vary your rhythm, speed, depth and timing while thrusting to create an incredible experience for her.

So get experimenting now.

Source by Jack Grave

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