Summary: this is the 4th story about a young girl who loved being naked in the cold and snow and a teen boy who admired her. This is a work of fiction, make – believe, and sexual fantasy. The author does not condone any sexual activity of persons under 18 in real life.

This happened to me many years ago. My family moved to Kansas City in January of 2003. I met with the unusual teen neighbor girl Nina and her family. I told the beginning of the story in the episodes 1 – 3.

Nina was a sweet teenage girl, with blue eyes and long blonde hair. She had a slightly plump complexion, with a chubby thighs and sweet round face with cute freckles. A few things I learned soon about her: She loved sweets, especially candies and Ice cream. And Nina loved cold and snow. She went outside often dressed in just a summer dress or a top and shorts, even in winter.

I watched her through her window when she changed her clothes, and I had my first sex with Nina. It was first time for her too. We had crazy sex in the snow, behind the bushes and the fence of her backyard. It was totally awesome. I was dressed, but Nina went totally naked. (I told about that in the episode 2. )

I saw Nina and her family doing cold water bucket training in their backyard. They all walked outside in the early morning, her father and mother, her older brother (I think he was 19), then Nina, and then her younger sister Paula. Paula was only 6 at that time. They all wore just swim suits or trousers. Paula could not lift a bucket of water, so their farther lifted a bucket and poured water on her. Paula yelped, and screamed and ran inside. They all just smiled. Then they repeated the procedure, pouring water buckets on Nina and her brother, then her parents themselves. Her parents believed that made them and their children hardened and protected them from colds and viruses.

Once Nina invited me and my younger brother Tom to join the water bucket procedure with her family. We agreed. First I undressed to the trousers, and they poured a bucket of water on me. It was cold beyond words. I screamed and jumped like crazy. They laughed. Then they poured a bucket of water on my younger brother Tom. He yelped, jumped, and ran into our house.

I was fine after that, just had a bit chills and runny nose. But Tom got sick with a bronchitis and was in bed for few days. After that, our mom prohibited us to participate in that “mad winter training” again.

Nina just laughed when we told her about that. She said “You will always catch colds until you learn to harden yourself. ”

We saw Nina often and played with her outside during that winter. Most of the time she was outside dressed in light clothes, in a dress or in a tank top and shorts. Only one or two times during that winter we saw her dressed in a warm jacket, in the particularly cold and windy days.

One day we arranged to go the woods for a play after the school. We often played in that woods. It was in one of the coldest days of the year. I was sure that she would dress in warm clothes because of that.

She came outside dressed in a winter coat and boots. I teased her about that.

“Wow! What a surprise! You are wearing a coat today.. ” I smiled.

“Yes, it is quite chilly today, ” she replied seriously. “I’d like to wear my coat. ” She sighed and shivered playfully.

But she was ready for some cold play. She knew by that time how much I admired her cold resilience and how I liked seeing her running undressed. As soon as we got in the woods, she unbuttoned her coat and dropped it on the snow. She giggled playfully.

She was dressed in a blouse and a pleated skirt. She wore white knit tights on her chubby legs.

“Aren’t you cold?” I asked surprised. “It’s below 8° Fahrenheit today. ”

(* 8° Fahrenheit is about – 13° Celsius. )

“I am not feeling cold at all!” she replied laughing. “I totally like it. I wish it will be colder and more snow!”

“Can you take even more cold?” I challenged her for the rough play.

“I can take any cold in the world, easy!” she boasted to me bravely. “Even the Antarctic!”

What a foolish bragging, I thought. I decided to teach her a lesson.

“Let’s make a bet, ” I offered to her slyly. “You will stand in place and I will test you with the cold. If you stand and do as I say, you’ll win. ”

“And what would I get if I win?” she asked curiously.

“I’ll buy you a bag of candies and ten ice cream cones, ” I promised. I knew that she loved candies and ice cream cones. She could not resist the sweet taste.

“Deal!” she screamed laughing. She thought she was up for that challenge.

She was foolish enough to take that bet with me, I thought. She could not possibly win. We shook our hands to seal the bet.

“Take off your skirt and blouse, ” I commanded.

She unbuttoned and took off her blouse first. Then she pulled up her skirt and took it of. She stood in her knit tights and a bra. She looked at me, expecting my next command.

“Now, take off you bra, ” I ordered to her, smiling.

“You are crazy, ” she protested. “I won’t do that. ” She was still a little shy.

“Then you loose the bet, ” I said triumphantly.

“On the second thought, ” she said, “I can undress if you want to see me. ” She glanced around to make sure that no one looked. Then she unzipped her little cotton bra and dropped it on the snow.

Her adolescent breasts were round and slightly puffy. Her nipples stood up tight from the cold air.

“Like what you see?” she asked playfully. She tilted her head and smiled.

“Wow, that’s awesome, ” I said awkwardly. “Now take off your tights. ”

She laughed.

I thought she would stop, but she continued stripping her clothes. She bent down and unzipped her boots. She pulled down her tights and took them off and stood in the snow barefooted. I looked at her in awe – she was practically naked, just in her cotton panties.

“It’s so much fun!” she screamed, “I always dreamed to run naked in the woods in snow. It’s so cool! Look... ” she jumped and waved her hands.

“Did I win your bet?” she asked.

“Not yet, ” I replied. “There is one more test. ”

I touched her chubby cute breasts. She giggled. I picked some snow from the ground and rubbed it on her hot naked skin. She yelped and laughed. Then I rubbed snow on her breasts and belly. She protested and pushed my hands at first. Then she started shaking and laughing loudly. “Oh! Oh yes! Oh no, it cold!” she exclaimed, trying to wiggle away from my hands. But I continued my experiment. Needless to say my own cock has got very hard when I did that.

I rubbed more snow on her chubby thighs and butt cheeks until her skin became pink from the cold. She laughed and jerked, but she did not tell me to stop doing that. I continued until my own hands become completely numb from the cold snow which I rubbed on her hot body.

My own hands become so cold that I hardly felt my fingers. I lifted my hands to my face and breathed at my numb fingers trying to warm them up, while she giggled and shook the rest of the snow from her body.

“Wooh, ” exclaimed Nina. “It was something!”

Nina shivered slightly and her skin became pink. But she smiled and looked triumphantly.

“Did I win the bet this time?” she cried.

“Yes’ you did!” I screamed excitedly. “You may dress now!”

“But No, I want you to do it more!” she exclaimed, “I totally love that!”

She lay on the snow and rolled in it, waving her hands and making a snow bunnies. Then she stood up, laughing, and shook snow from her hair.

I took more snow and started rubbing it onto her body, her breasts, and butt cheeks and her belly. Her belly button hole filled with snow. She tried to wiggle away from my hands. She jerked and giggled. “Oh! No! Stop it!” she screamed laughing and giggling all the time. Our play made her totally excited, despite the cold. I think she enjoyed that dearly.

I was a horny teenager and such activity and touching her hot naked body caused my cock’s hard erection. I was so excited that it cum and I felt the sperm running inside my pants.

Then I took a large lump of snow and shoved it in her panties onto her groins. This time she couldn’t hold it still. “Oh! Wow! What are you doing! Its crazy!” She screamed and jumped, then she pulled her panties down and shook her them, trying to shake the snow.

Nina kept yelling and laughing hysterically. Suddenly she sat down, butt naked in the snow, with her legs wide apart, put her hand inside the panties and started fingering her clit wildly, screaming and moaning, and closing her eyes in ecstasy. “Wow! Oh!” She exclaimed. She masturbated in front of me. She could not stop herself.

I looked at her in total disbelieve. I never saw a girl masturbating. She closed her eyes and cried and then moaned. Then she opened her eyes and glanced at me embarrassed.

She sat naked with her butt and legs in the snow, panting heavily.

“You won’t say to anyone about that, aren’t you?” she asked.

“Not a soul, ” I said.

Then she sighed and stood up tiredly, some snow stuck to the skin on her butt and legs. She shook it off with her hands and looked around nervously. Her skin got pink on her butt cheeks and legs from the contact with the snow. She rubbed her body with her hands to restore blood circulation.

“Wow, it was so cold, ” she said, shivering. “But it was totally worth that. ” She sniffled and wiped her nose with the back of her hand.

She picked up her clothes and dressed. I saw that she really shivered and trembled. Her fingers shook from the cold when she dressed. Her skin looked pale and covered with goosebumps. Her hands shook so much that she could hardly put tights on her legs.

Finally she dressed, put boots of her feet and the coat on her shoulders. She buttoned up her coat and smiled to me.

“Wow, you are one crazy winter girl, ” I said to her when we walked back. “You proved that you can take any cold on Earth. ”

“I am not crazy. I can stay naked in winter, if I want to, ” she said. “But, I dress in my coat when it gets too cold. ”

On our way back, she sneezed a few times. I guess the cold was too much even for her that time. I escorted her to her home. She waved her hand to me and went inside.

I came to visit her at home in the evening. I brought her a bag of candies and ten Ice cream cones, as I promised when made our bet.

Nina opened the door in her pajama and home slippers. She sniffled and wiped her nose. Nina looked gloomy and her eyes were red and puffy. She has caught a cold after our wild play. She smiled, nevertheless. We walked with her to the kitchen. She sat at the table and ate three ice cream cones in an instant.

“That’s great, ” she said, panting, “Ice cream is just what I needed. ”

She took a deep breath a few times. Then she smiled happily and ate the rest of the ice cream cones. Her eyes shined and her mood was jubilant.