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"The saddest thing to me would be two people, with the same sexual fantasies, who went through 20 years of marriage and never managed to tell each other," says Lloyd. "So you should resolve to open the lines of communication with your partner."

Too bashful to blurt out your desires? Lloyd suggests opening the lines of communication by sharing some erotica with your partner. For example, if a romance novel includes a passionate beach scene that leaves you breathless, bookmark the page and ask your man to read it sometime when you're not around.

"This sends a message to your partner that it's something you'd like to try," explains Lloyd. "As well, you've allowed your partner to react in private, to think about the suggestion and get turned on by your fantasy." Or, if he really doesn't want to roll around in the sand, maybe he'll suggest a tryst at a beach house instead.

The key is to approach sexual communication in a positive way, says Lloyd. You don't want him to think you're saying your sex life is unfulfilling. Instead, you need to pique his interest and together introduce a new dimension into your sex life. Your ultimate fantasy may require elaborate medieval costumes or access to an airplane washroom. But you should start slow with our second resolution.