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  • SERAP Gives Fashola Seven-Day Ultimatum On Supply Of Pre-Paid Meters

    Socio-Economic Rights and Accountability Project (SERAP) has given a seven-day ultimatum to the Minister of Power, Works and Housing, Babatunde Fashola, SAN to direct electricity distribution companies to provide free prepaid meters to Nigerians or face legal action.

    In an open letter to Fashola, SERAP requested him to use his “good offices and leadership position to urgently enforce your directives to electricity distribution companies (DISCOs) to provide free pre-paid meters to Nigerians, and end the use of patently illegal and inordinate estimated billing across the country.”

    The organization asked Fashola to “take this step within 7 days of the receipt and/or publication of this letter, failing which SERAP will institute appropriate legal proceedings to compel the discharge of your ministerial and statutory duty in this matter in order to ensure completion of metering of unmetered customers and total abolition of estimated billing in the country.”

    In the letter dated 22 May 2017 and signed by SERAP executive director Adetokunbo Mumuni, the organization expressed “concern that while countries like Zambia are subsidising electricity payments to enable consumption by socially and economically vulnerable groups, this government is implicitly promoting the use of unjustifiable estimated billing, and increasing consumer costs. The use of estimated billing is marginalizing Nigerians living in extreme poverty, disproportionately affecting women, children and the elderly, and increasing their vulnerability to discrimination.”

    According to the organization, “Excessive billing of customers is arbitrary, unfair, unjust, unreasonable and exploitative of millions of socially and economically vulnerable groups. SERAP is concerned that the apparent failure of your office to exercise due diligence and effective regulatory oversight on DISCOs to ensure full compliance with your directives to provide free pre-paid meters to Nigerians has denied millions of customers regular and uninterrupted access to electricity.”

    The letter read in part: “It’s the responsibility of this government and your ministry to ensure that the privatisation of the power sector does not impair in any way, shape, or form access of Nigerians to regular and uninterrupted electricity supply by among others actively promoting the provision of pre-paid meters to all Nigerians particularly the socially and economically vulnerable groups. Nigerians should not be penalized by disconnection or denial of access to electricity because they cannot pay unwarranted estimated bills.”

    “It’s unlawful for DISCOs to disconnect electricity supplies on the basis of unpaid estimated bills. This government and your ministry bear responsibility for the failure and/or refusal of DISCOs to provide free pre-paid meters to millions of Nigerians.

    “Several years after the country’s power sector was privatized, millions of Nigerian households particularly the socially and economically vulnerable sectors of the population continue to complain about outrageous bills for electricity not consumed, and poor power supply from distribution firms. Despite several directives and deadlines by both your office and the Nigerian Electricity Regulatory Commission for DISCOs to provide free pre-paid meters to customers, our information reveals that millions of electricity users across the country remain unmetered.”

    “SERAP is concerned that diminished power infrastructure and your ministry’s inability to enforce your directives and regulations on provision of pre-paid meters to Nigerians means that millions of customers continue to be exploited through the use of patently illegal estimated billing by DISCOs.”

    “SERAP continues to receive complaints through our helpline against corruption in the electricity sector that majority of consumers still get estimated bills. While electricity supply is for the most part declining, estimated bills continue to go up. In several parts of the country, consumers pay more for electricity than they pay for house rent. The feedbacks we have regularly received suggest that unreliable, inefficient and poor quality of electricity in several parts of the country is majorly responsible for the deplorable living conditions of millions of Nigerians.”

    “SERAP argues that access to regular electricity supply is a prerequisite for satisfying basic human needs, improving living standards, maintaining good human health, alleviating poverty and facilitating sustainable development. SERAP notes that Article 14(2)(h) of the Convention on the Elimination of All Forms of Discrimination Against Women (CEDAW) to which Nigeria is a state party explicitly recognises electricity as a human right.”

    “Similarly, the UN Commission on Sustainable Development has argued that sustainable development is attainable through universal access to cost-effective energy sources. Moreover, the African Commission on Human and Peoples’ Rights has adjudged the failure of States to provide basic services such as electricity as violating the right to health.”

    “SERAP believes that electricity provides a safe means of cooking (through electric stoves) and food preservation (refrigeration). Electricity is therefore essential to agriculture and a prerequisite for food security. Electricity can also be employed to realise the human right to access clean water. Electric power operates pumps and sanitation systems so that drinking water is within the safe physical reach of all individuals and accessible by households, educational institutions and workplaces.”

    “SERAP therefore urges you to act diligently and swiftly to enforce your directives, deadlines and regulations on the provision of free pre-paid meters to Nigerians and end the use of patently illegal estimated billing across the country. We also urge to establish independent monitoring teams to regularly monitor the proportion of households across the country with pre-paid meters.”

    “Should you fail and/or neglect to act as requested within seven days after the receipt and/or publication of this letter, SERAP will be compelled to pursue appropriate legal action against your ministry to ensure strict enforcement of your directives, deadlines and regulations on provision of free pre-paid meters to Nigerians and an end to estimated billing across the country.”

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  • Personal finance

    Personal finance

    Questions in personal finance revolve around

        Protection against unforeseen personal events, as well as events in the wider economy
        Transference of family across generations (bequests and inheritance)
        Effects of tax policies (tax subsidies and/or penalties) on management of personal finances
        Effects of credit on individual financial standing
        Planning a secure financial future in an environment of economic instability

    Personal finance may involve paying for education, financing durable goods such as real estate and cars, buying insurance, e.g. health and property insurance, investing and saving for retirement.

    Personal finance may also involve paying for a loan, or debt obligations. The six key areas of personal financial planning, as suggested by the Financial Planning Standards Board, are:

        Financial position: is concerned with understanding the personal resources available by examining net worth and household cash flow. Net worth is a person's balance sheet, calculated by adding up all assets under that person's control, minus all liabilities of the household, at one point in time. Household cash flow totals up all the expected sources of income within a year, minus all expected expenses within the same year. From this analysis, the financial planner can determine to what degree and in what time the personal goals can be accomplished.
        Adequate protection: the analysis of how to protect a household from unforeseen risks. These risks can be divided into liability, property, death, disability, health and long term care. Some of these risks may be self-insurable, while most will require the purchase of an insurance contract. Determining how much insurance to get, at the most cost effective terms requires knowledge of the market for personal insurance. Business owners, professionals, athletes and entertainers require specialized insurance professionals to adequately protect themselves. Since insurance also enjoys some tax benefits, utilizing insurance investment products may be a critical piece of the overall investment planning.
        Tax planning: typically the income tax is the single largest expense in a household. Managing taxes is not a question of if you will pay taxes, but when and how much. Government gives many incentives in the form of tax deductions and credits, which can be used to reduce the lifetime tax burden. Most modern governments use a progressive tax. Typically, as one's income grows, a higher marginal rate of tax must be paid. Understanding how to take advantage of the myriad tax breaks when planning one's personal finances can make a significant impact.
        Investment and accumulation goals: planning how to accumulate enough money – for large purchases and life events – is what most people consider to be financial planning. Major reasons to accumulate assets include, purchasing a house or car, starting a business, paying for education expenses, and saving for retirement. Achieving these goals requires projecting what they will cost, and when you need to withdraw funds. A major risk to the household in achieving their accumulation goal is the rate of price increases over time, or inflation. Using net present value calculators, the financial planner will suggest a combination of asset earmarking and regular savings to be invested in a variety of investments. In order to overcome the rate of inflation, the investment portfolio has to get a higher rate of return, which typically will subject the portfolio to a number of risks. Managing these portfolio risks is most often accomplished using asset allocation, which seeks to diversify investment risk and opportunity. This asset allocation will prescribe a percentage allocation to be invested in stocks, bonds, cash and alternative investments. The allocation should also take into consideration the personal risk profile of every investor, since risk attitudes vary from person to person.
        Retirement planning is the process of understanding how much it costs to live at retirement, and coming up with a plan to distribute assets to meet any income shortfall. Methods for retirement plan include taking advantage of government allowed structures to manage tax liability including: individual (IRA) structures, or employer sponsored retirement plans.
        Estate planning involves planning for the disposition of one's assets after death. Typically, there is a tax due to the state or federal government at one's death. Avoiding these taxes means that more of one's assets will be distributed to one's heirs. One can leave one's assets to family, friends or charitable groups.

     

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  • Best Jobs

    Employers have said that they are more likely to be 12 percent more graduates this year than last year. It is the first projected increase since the year 2000.

    In another study, a projected 60 percent of US business plan to employ the same number of graduates this year as with last year. That is an increase of fifty-five percent from last year, according to the CERI (Collegiate Employment Research Institute) at MSU.

    According to recent studies, US Corporations and businesses will employ more graduates with a bachelor’s degree in business, biological and physical sciences. Those with construction management, engineering degrees, health care and accounting will also experience an increase in hiring. Other fields will have a slight decline.

    On the average, companies are hiring forty three percent of its interns to fulltime and regular status. The expected increase in the hiring of graduates coincides with an expected growth forecast of the economy next year according to a recent survey by the Federal Reserve Bank.

    A lot of companies are coming out of a slump and are now hiring their interns and looking for more. A lot of companies are posting jobs and coming into different campuses.

    Most experts advise that during the holidays, whether you’re looking for permanent employment or internship, it is time to step up your search.

    Take advantage of the holiday events you’re going to, discuss what you’re looking for and your goals. Businesses don’t want to be flooded with calls and faxes of resumes. They will probably rely on word-of-mouth to get a handful of candidates The holidays are a perfect time to network.

    What to expect:

    Companies will hire more students earning bachelor’s degree in business and management, physical and biological sciences. Engineering, health care and accounting degrees also would experience an increase. Other degrees will experience a decrease in hiring

    Businesses expect to employ about the same volume of MBAs this year as last year. Businesses have found employees with bachelor's degrees being able to do some work being done by MBAs.

    It will be harder for graduates with computer science degrees to find work.


    Companies are more likely to employ students who have undergone internships. The work experience, they say, makes a lot of difference. Federal agencies will employ more graduates but not nearly enough to offset the decrease in hiring by the state and local government agencies.


    On average, starting salaries will increase by 1 to 2 percent.

     

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  • What Beauty Products You May Find in a Beauty Supply Store

    Are you interested in buying new beauty products or beauty supplies?  If you are, your first thought may be to head down to your local beauty supply store and start shopping.  While this is more than possible to do, you may want to think about taking the time to first decide what you want or what you need to buy. This will lessen the chances of you spending more money than you have or more money than you wanted to spend.

    When it comes to making a beauty product or beauty supply list, you will want to first familiarize yourself with some of the many products that are sold at beauty supply stores.  If you are an avid beauty supply store shopper, you may already have an idea of what type of products are sold at beauty supply stores, but if not, you will want to take the time to familiarize yourself with those items.

    Before examining a few of the many products that are sold at beauty supply stores, it is important to remember that not all beauty supply stores are the same.  There are some beauty supply stores that offer products for just about anyone of any gender or any age.  On the other hand, there are beauty supply stores that cater towards a specific group of individuals, such as African American women.  The type of store that you are interested in shopping at will have a significant impact on the type of beauty products that you can find for sale there.

    Despite the possibility of a variance, one of the most commonly sold items at a beauty supply store is makeup.  Makeup is an important part of beauty, as it is makeup that often hides some of the skin’s common flaws.  Makeup comes in a number of different formats.  At a beauty supply store, you are likely to find liquid foundation, powdered cover-up, lipstick, lip gloss, mascara, eye liner, eye shadow, and so on.What Beauty Products You May Find in a Beauty Supply Store

    Aside from makeup, the other most popular items sold at beauty stores are those of skincare products.  Skin care products are often defined as beauty products that are used to improve the appearance or health of a person’s skin.  Skin care products regularly include lotions, age defying creams, stretch mark reducers, and so forth.  Out of all of the products sold beauty supply stores, skin care products are usually the most expensive, but the cost typically depends on the brand in question.

    Hair care products are other items that are almost always found for sale inside a beauty supply store.  Hair care products are also popular because everyone, even if they don’t wear makeup, is usually concerned about the appearance of their hair.  Hair care products can include simple items like shampoo, conditioner, and hairspray, but other items like hair coloring kits or highlight kits and hair extensions can also be found for sale at many beauty supply stores.

    Nail care products are also regularly sold at many beauty supply stores.  As for the type of nail care products that you are likely to find, it is important to remember that not all beauty stores carry the same types of products.  What that in mind though, you should be able to find a large selection nail polishes, nail polish removers, and other nail care products, like clippers and nail files.

    The above mentioned beauty products are just a few of the many that you should be able to find available for sale at a beauty supply store.  In addition to one of your local beauty supply stores, you should be able to find some of the above mentioned beauty products, as well as many more online.  If you decide to shop locally, you may want to think about contacting the beauty store in question to see if they have what you want or need. This may be able to save you a considerable amount of time and a wasted trip.

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  • Avoid Dieting Make Positive Changes Instead

    Avoid Dieting Make Positive Changes Instead

    Why is it that merely saying the "D" word, you know "diet" brings immediate thoughts of failure to the minds of many men and women around the world? Could it be that we have all learned through trial and error that diets simply do not work? I know many of you are sitting back with jaws dropped at the moment. After all, this is an article about dieting, right? It is and it isn't. Dieting is the kiss of death for many while a new phase in your life or lifestyle adjustment may be just the thing that will mean success for you and your fitness and health goals.

    Eating for some is an addiction. Unfortunately, you can't exactly give up eating all together as a smoker can give up cigarettes. I'm not applying by any means that giving up cigarettes is easy but how much more difficult would it be if you were forced to have three a day? At that point you may as well enjoy them every time the urge hits right? The same holds true for food. You must eat in order to survive. You cannot live without eating. This means that if food is a problem in your life, you must find a healthier way of viewing food.

    Isn't this where diets generally come in handy? The short answer is no. This is where diets often fail. Diets do very little to change how we view food. In fact, most diets only serve to tell us which foods are good, which foods are bad, and which foods (typically most of the foods we enjoy most) are strictly taboo. Diets begin by forcing people to feel deprived or punished. And no one likes to feel either of these things.

    Even worse however, is that we punish ourselves further when we slip along the straight and very narrow pathways upon which our diets place us. This means that we are going to wallow in guilt over every little misstep we make until we give up all together and decide to over indulge once again and ignore the guilt all together.

    In order to have real success you must make a lifestyle change. This is the only way that you will be able to shed those unwanted pounds without experiencing the horrible guilt that so many dieters go through each and every step of the way with their diets. Set goals for yourself. Keep them aggressive but realistic for fitness, dropping pounds, and eating new healthy foods. Even if your goal is as simple as eating  5 vegetable servings a day it is a great place to start.

    Change your way of eating. Then change your way of seeing food and you will experience amazing changes in your attitudes toward your health, your body, and even your fitness level. As the first pounds begin to drop you will begin to experience more energy and less pain when exercising. This should help keep you motivated to do even more as time goes by.

    Do not think that long term weight loss goals will be as easy to achieve as the first five or ten pounds. Consistency is vitally important when making these lifestyle changes. Take each day as it comes and begin again the very next day. This means that even if you fall completely "off the wagon" today, you can start over tomorrow. The trick is in staying the course more days than not and learning moderation and balance when it comes to straying from the straight and narrow.

    There are many ways to fail when it comes to dieting and I know people who have failed in almost every one I can possibly imagine. There is no way to fail, however, when you are making positive changes in your life that are getting positive results. It may take weeks, months, or even years to reach your goal. As long as you are making steady and continuous efforts and progress, you are doing many great things for your health and well being.

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  • Humor Turns E-Mail Viral

    Humor Turns E-Mail Viral

    A study by Sharpe Partners, an interactive marketing agency, revealed that 89% of adult Internet users in America share content with others via e-mail. This is excellent news for those companies who use self-propelling word-of-mouse” e-mail techniques to sell their products.

    The study generated some interesting results regarding the type of content that is most often forwarded, as well.  The most popular content is humorous material.

    The second most popular category is news, followed by healthcare and medical information, religious and spiritual material, games, business and personal finance information and sports/hobbies… in that order. So it is easy to see that humor is the best content for your viral e-mail campaign.  

    Cartoons, jokes and funny video clips are among the things that can be added to an e-mail to insure that it will go viral. People will want to pass along something that makes them laugh.

    They are a lot more likely to hit the forward button and send your email to their friends and relatives if it is an “advertainment” rather than an advertisement.  

    Not along ago, about 35 million people got an e-mail containing a picture taken in Disneyland. It took a minute to see it but there was Donald Duck lying prone in front of the famous Cinderella Castle.  The title of the picture was “Bird Flu has hit Disneyland”. It was a viral e-mail advertising Disneyland and used the edgy strategy of making light of what’s serious… and it works.

    I’d guess that most people who own a computer have seen that picture… and thus the advertisement for Disneyland.  The bird flu epidemic is newsworthy and has the potential to attract an enormous amount of attention to any brand that might, for whatever reason, associate itself with it.

    Remember that people are much more likely to share a joke or a funny picture than anything else so you would be well advised to include humor in your e-mail campaign.

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  • Smart Secrets to Budgeting

    A Little Goes a Long Way: Smart Secrets to Budgeting

    There’s nothing more we want than to be able to efficiently manage our money. After all, the money that we want to manage is money that is oftentimes, hard earned. This is where a budget comes in. A budget executed properly, should help you see where your money is going, get more utility out of every buck, and help you save some extra for future use.

    The first smart secret to a budget is to set a goal. What do you want to achieve? Do you want to correctly appropriate your income into bills payments? Do you want to put an amount aside for a big purchase or a huge investment? By having a goal, you will be able to shape your budget to best serve your interests.

    Secondly, you would want to take note of where your money usually goes. This includes bills, major but regular purchases (like grocery costs, healthcare costs, and the like), and everyday miscellaneous purchases. Only when you list down where you know your money usually goes will you be able to identify which expenses you can do without. Once you’ve identified these regular expenditures, take into consideration what you can cut back on. How much do you spend on your daily caffeine fix in the morning? How much do you spend on newspaper deliveries to your front door? The measly $2 or $5 of these small purchases cumulatively translates to more than $3600 a year! Instead of buying your expensive latte or reading the newspaper on print, put aside the amount you would usually pay for these small routine purchases in a small container. You will be surprised at how much you’re saving out of your older budget.

    Being indebted is a vicious cycle on its own. You’re talking about continuous payments, not to mention huge interest rates. The best way to deal with this is to pay the minimum on all of your debts in order to avoid paying extraneous late fees. Whatever cash excesses you may have, you can opt to add on to the payments you make in your biggest debt. This way, you are concentrated on getting the biggest debts first that cost you the greatest interest rates. Doing this progressively, you’ll be amazed at how much you’ll get off your huge debts.

    The last and most important step is to jot down the amount you earn the sum you spend. You can make use of computer cash management programs, or make database sheets of your own. Make a system that works for you and will help you keep track of your monthly budgeting progress.

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  • Can Losing Weight Help Improve Your Sex Life?

    Are you a woman who is unhappy in the bedroom?  If you are, there are likely a number of reasons for your unhappiness.  Despite the possibility of a number of causes, do you think that your weight may be to blame?  If you are overweight or obese, it may be.

    Since you now know that your weight may have an impact on your sex life, you may be curious what weight loss can do for you.  It is really possible to improve your intimacy with weight loss?  Unfortunately, the answer isn’t always the same, as it tends to vary.  Weight loss and its impact on your sex life will honestly all depend on you and your own personal situation.

    For starters, many women make the mistake of believing that their lost weight resulted in better sex.  It can, but did you know that many women are just deceiving themselves?  Being intimate with your partner may feel better and result in more pleasure, but it honestly may be due to an increase your self-confidence levels.  Women who lose weight do see an increase in self-confidence.  This extra confidence often allows women to enjoy it better.  What does this mean?  It means that the sex may be the sale ole sex you have been receiving for years, but it just feels better now.

    Another impact that your ability to lose weight may have on your sex life is your ability to experiment in the bedroom.  Experimentation is a key to keeping your relationship “hot.”  One type of experimentation that you may want to try is a new sex position.  Has your weight previously kept you from being creative?  If so, now is your time to shine.  Show your partner that you now have moves that you never even thought of trying before.

    In keeping with experimenting in the bedroom, it is important to know that experimentation comes in a number of different formats.  One other format is that of role playing.  As previously stated, weight loss gives may women confidence.  You may now have the confidence to have sex with the lights on, wear sexy lingerie, or a full-blown costume.  These large steps can do wonders for your relationship, both inside and outside of the bedroom.

    It is also important to take your partner into consideration.  Unfortunately, this is not something that many women take into consideration.  If you were to lose weight, there is a good chance your partner will like the improvement.  Yes, your husband most likely loves and worships you now, but there is still something attractive about women who take steps to better themselves, especially in terms of appearance.  If you do decide to lose weight, let your husband know that you lost the weight for them and to better your sex life.  They will not only be proud of you, but they may also be turned on.

    Since there is a good chance that your sex life will improve with weight loss, you may be interested in starting a weight loss plan today.  If so, go ahead and do so.  Use your need for improved intimacy in the bedroom as a source of motivation.  When you can envision yourself thin and in the bedroom having an amazing time with your husband, you may find it much easier to lose weight, as well as exciting.  Speaking of which, remember that a healthy diet and a strong exercise plan are needed.

    The more weight you have to lose, the more your sex life may improve.  With that said, be sure to use your best judgment.  If you are average or thin, weight loss is not needed and can be dangerous.  If you are seriously overweight, consider talking to your doctor before starting a new diet or exercise plan.  Losing weight to improve your sex life is important, but don’t put your body at risk just receive extra satisfaction in the bedroom.

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  • Can Yoga Really Help You Have Better Sex?

    Are you a woman who is looking to improve your sex life?  If you are, you may automatically start thinking of new ways for you to experiment in the bedroom.  Of course, trying new things will likely prove to be successful, but did you also know that there is a much easier and much more relaxing approach that you can take?  There is and that approach is called yoga.

    So yoga and sex?  If you are wondering what the connection is, you are not alone.  Many women automatically think that there can’t be a connection there.  This is because exercise and sex often aren’t too activities that are used in the same sentence.  But, it is important for you to know that yoga can help you have better sex.

    In fact, do you have any idea how many people recommend yoga for improved intimacy?  A lot of people do.  These people include women, just like you, their sex partners, fitness instructors, and medical professionals.  If all of these people say there is a connection between better intimacy and sex, they must be right.

    What it is important to remember is that being fit in general is likely to give you more self-confidence.  When your self-confidence levels are high, your satisfaction in the bedroom will automatically increase.  It will still actually increase even if the sex doesn’t change at all!  How amazing is that?

    Practicing yoga and exercising in general can also give you a better awareness of your body.  This is important to having a good sex life.  You may notice things about your body when you do aerobics, yoga, or just stretch.  You can begin to better understand your body, its flexibility, and your limits.  This alone can help to improve your sex life.

    The art of yoga relies on body awareness, body movement, and breathing.  Many experts claim that these three components are important to having healthy intimacy levels.  In fact, did you know that your sex life with yoga will improve even if it wasn’t your goal or the main purpose for you taking up yoga?  That is also pretty neat.

    As previously stated, when you have better body awareness, you are more likely to enjoy sex.  Body awareness is one of the many foundations that yoga is built on.  Being aware of your body can help to give you a better image of yourself, which can, in turn, increase your sex drive and ignite passion.

    As for the breathing of yoga, it is so much more than just taking a breath while sitting on the couch at home.  The breathing that yoga calls for actually helps to make your spine and your pelvis stronger.  What does this mean for intimacy?  It can result in better action and movement.  You may find yourself being able to have sex longer. Your ability to try new sex positions successfully also improves.

    Despite the fact that yoga is often referred to as a “woman’s workout,” it isn’t.  More men are starting to enjoy yoga now than before.  Why?  Perhaps, it has to do with what yoga can do for your sex life.  After all, all men and women want to achieve maximum pleasure in the bedroom.  If your boyfriend or husband is one of those men, and they should be, convince them to try yoga with you.  You may very will find yourself going at it in the shower or heading to the bedroom immediately following a yoga session.

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  • Are Prescription Medications a good Option For Enjoying Sex when you are in your 60’s?

    While a person’s mind may still want to have a strong and active sex life the body may not always be able to comply. There are some prescription medications out there that have proven to offer those over 60 help with such issues. For example those with diabetes or arthritis may find that they are in too much pain or don’t have enough energy for sex.

    However, with medication to control their diabetes and a good diet their energy levels increase. There are medications for arthritis too that can prevent the joints from swelling up. This means a person can go about activities including sex and not be in constant pain. It may be something that younger generations take for granted, but when you are physically in pain it can be almost impossible to enjoy the pleasures of sex.

    One of the most common types of prescription drugs that men use to help them enjoy sex is Viagra. This is a type of pill that a man takes when he is mentally excited to have sex but the penis isn’t getting or maintaining an erection. Many men have found Viagra and similar products have allowed them to have a very enjoyable sex life once again. Their age hasn’t been able to stop them from making this important element part of their normal lifestyle.

    The pill known as Cialis has also become very popular. This is because a man can take it and then be able to maintain erections when he is ready over the course of the next 36 hours. This means you don’t have to plan the act of lovemaking such as you do with Viagra and similar types of prescription medications. It allows the process to be more natural and many men really enjoy having that control over their sexual activities.

    There are similar types of prescription medication for women as well. One huge problem for them after menopause is a decrease in the hormone estrogen. As a result they may find they have very little interest in sex. Even if they engage in the act, they just aren’t getting the level of pleasure out of it as they once did. Estrogen pills can be prescribed to help a woman gain her libido back.

    Prescription medications may be a good option for you if you are older and you really want to improve your sex life. You will need to talk to your doctor about it so a complete assessment can be performed. Identifying the true reasons why you struggle to get an erection or why you aren’t enjoying sexual activity is important so be honest with your answers.

    There are certainly plenty of prescription medications offered today to help those over 60 be able to continue with a healthy and satisfying sex life. Keep in mind that some of them are a quite expensive though. There are also some side effects associated with each of them to be ready for. You may have to experiment with a variety of different types of prescription medications before you find the one that helps you get to the level of sexual activity you want in your life.

    Prescription medications aren’t the answer for everyone though. There many be too many health issues for you to consider using them. You may also find that the various side effects also make it difficult for you to enjoy sex. Never use prescription medications for someone else because you are too embarrassed to talk to your doctor about it.

    You do owe it to yourself though to see if there is medication that can significantly improve your sex life into your 60’s and beyond. There are plenty of people out there in this age group and beyond that find sex more enjoyable now than any other time in their life. Being able to continue engaging in the activity helps to keep them both healthy and happy.

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