Sugar daddies offer financial bailout, but at what cost?

"market research" on sugar-daddy bailout has identified the three most lucrative sugar-daddy/sugar-baby arrangements:

1. "Hello, Mr. Sugar Daddy's Office" — In the role of "personal assistant" or "employee," the sugar baby is traditionally paid by the company, not the man behind it. This is often chosen as a way to maintain privacy while having an excuse to stay in close contact with each other.

But beware. This type of arrangement, if exposed, can lead to potentially severe consequences. Just ask John Edwards!

2. Ms. Buddy Pass — Pack your bags and get your passport ready, you've just been added to the itinerary as his "traveling companion." The sugar daddy who travels regularly for work will often seek a sugar baby who can accompany him on his private jet, stay at a posh hotel during a weekend business trip or fly across the world at a moment's notice.

Just make sure you realize nothing is ever really a free trip. Don't let your luggage become major baggage.

3. Ms. Girl's Gotta Eat (and get mani-pedis) — This type of arrangement is simplistic. Many sugar daddies love playing the role of provider. In addition to feeding you, he may take you shoe shopping, buy your groceries, fill your car's gasoline tank or pay your rent every now and then.

His help can be a bit sporadic and is nothing to bank on. So don't count on him to come up with the cash every time the bills come in.

A wealthy man may like to play the role of provider, facilitator and world traveler, especially in these dire economic times, but that role has a limit. Just like your credit card.

For men, there is apparently a fine line between embracing you with the endearing term "sugar baby" or pegging you with the pejorative "gold digger" tag. In other words, a damsel in distress is attractive. A digging damsel isn't.

Ladies, if you are planning on making alternative arrangements for your faltering fiscal situations, listen up! The pricey pejorative of "gold digger" has adopted many iterations including: Metal detector, Finance finder, Barracuda, Investor, SEC (Sex Exchanged for Coin), IRS (She audits your finances) and Black Card Baby (That is, a woman who looks to see if you have an AmEx Black card).