Local Dating Online

Many local newspapers had online personals in the mid 1990s but were bought out by these big dating sites. From some of the comments it really shows how desperate dating sites are for money that they even advertise in comment sections. You have a much better chance going to local events and you will probably spend less than what you would spend on an online dating site.

Other apps have indicated that they might actually move closer to Facebook. For example, Bumble, founded by a former Tinder executive, said they had already reached out to Facebook regarding how to collaborate. And, “One thing everyone seems to agree on is that Facebook’s effectively endorsing online dating will be a huge legitimization event for the industry,” says Jefferies Internet analyst Brent Thill. According to Amanda Bradford, chief executive of The League, an elite dating app, “Facebook is validating that dating is a high-tech industry with really interesting and hard problems to solve. Still, Facebook could face some obstacles in building enough separation between the dating service and the legacy social network; some users might not like having both activities live on one app.

After giving him some time to cope with his cat passing away, he made plans to see her again and she was thrilled. He canceled the date last minute again because he said his grandma had died. Although this seemed too tragic to be true, she gave him the benefit of the doubt that he was telling the truth. Additionally, if someone is giving you a checklist right away of all of the things they want in a future partner, this may be a red flag for some controlling behaviors. It’s one thing if they express their non-negotiables but it’s another thing entirely if they are listing required traits. If you feel like someone is already trying to change things about you to suit their needs, that’s not okay. How someone initiates a conversation with you will say a lot about how they view you as a person and how they might treat you as a partner.

Online dating users are more likely to describe their overall experience with using dating sites or apps in positive, rather than negative, terms. Some 57% of Americans who have ever used a dating site or app say their own personal experiences with these platforms have been very or somewhat positive. Still, about four-in-ten online daters (42%) describe their personal experience with dating sites or apps as at least somewhat negative. Happily, there are some dating services that are looking to overcome the vanity. For example, Hinge matches people based on personality and preferences and lets you create a more interesting and rounded profile to draw people in. One of the few dating sites designed for affairs, Ashley Madison connects users for discreet encounters.

Basically all a guy like you has to do is instantly grab her attention in a memorable way with both your profile and your messages, then spend the least amount of time possible convincing her to meet you in person. For those who are hesitant to enter the online dating world for reasons related to safety or awkward conversation lulls, Double aims to take the pressure off with Double dates as opposed to one-on-one.

State things that are really important to you and be done with it. Connor turned an attempt at small talk into a rant about “gold-digging whores,” and the dating app was not having it. Matt- But what about when you said you would meet me in real life and we would lose our virginity together. One Love educates young people about healthy and unhealthy relationships, empowering them to identify and avoid abuse and learn how to love better. If you are going somewhere that serves alcoholic beverages, most bartenders are using secret codes to help customers signal, privately, when they need help if they’re getting harassed or feeling unsafe on a bad date.

With no financial requirement, free sites will naturally attract a greater proportion of people who are not really committed to finding a genuine relationship. Memberships you gain additional features such as being able to send more messages and receiving event discounts.

Paying for College Without Going Broke

A single father writes, “I work two jobs. My first job starts at 7:00 AM and ends at 3:00 PM. Then I have a lawn-care business in the afternoon—all to pay for college for my daughter. And now I’m wondering how I’m going to be able to save enough for my retirement.”

A mom wrote, “My oldest child will be ready for college before I know it, and my second child isn’t far behind. How will I handle the expense? I mean, $10,000 per year—per child—doesn’t grow on trees.”

Finding the money for a college education can be a daunting prospect. For too many parents, it means paying for college with money that should go to finance their retirement.
It’s a choice no parent should have to make:

  • Will you rob your retirement account, and risk that someday you’ll end up depending on your children to pay for your care?
  • Or will you let your kids go forward on their own, knowing they’ll be saddled with student loans they may need decades to pay off?

“I’m from the government, and I’m here to help”

Right. Over the years, the government has come up with scads of ways to pay for college—all the while ignoring a powerful solution that’s been available for more than a century. Beware, because government plans all have strings attached. They have “Gotchas!” galore.

Government “help” comes in three main flavors:

  1. 529 Plans are named after a section of the tax code. Once you put money in a 529 account, it grows tax-free. When the money is withdrawn for college, it’s not taxed at the federal level, and most states don’t tax withdrawals either. But every dollar in a 529 account reduces your child’s potential grant of federal student aid. And there are six other “Gotchas!” to watch out for.
  2. UGMAs and UTMAs let you contribute to an account in a minor’s name without setting up a trust. You can buy and sell securities in the child’s name, and any growth is taxed at the child’s rate— which is undoubtedly lower than yours. But all that liquid cash in Junior’s name again means your child may be eligible for less federal student aid. And because the money legally belongs to your child, they can spend it however they want when they turn 18. In addition, there are five other traps to be aware of.
  3. Loans¸ such as Parent PLUS Loans and Federal Stafford Loans, charge interest rates as high as nearly 7%, plus an origination fee that may exceed 4% of the amount you’re borrowing. And too many borrowers end up like Diana Jackson, who had no student debt when she got her bachelor’s degree in 1982. But when her daughter graduated some 30 years later, Diana was stuck with $33,000 in parent loans. “I’ll be in my mid-seventies before I get that paid off,” says the part-time college professor. That kind of predicament, plus six other pitfalls, make traditional loans something to avoid.

Enter Bank On Yourself Plans

The Bank On Yourself method relies on a specially designed, little-known type of dividend-paying whole life insurance policy with specific riders added to it that grow your cash value significantly faster than a traditionally-designed policy. These policies have increased in value by guaranteed and predictable amounts every single year for more than 160 years.

In contrast with traditional college savings plans, your Bank On Yourself plan lets you know the minimum guaranteed value of your plan on the day your child plans to start and graduate from college. You’ll never lose sleep wondering what the stock market will do next and whether you’ll have enough when the big day comes. Using Bank On Yourself to finance a college education gives you flexibility, plus advantages you won’t find elsewhere, including:

  • You don’t have the risk of loss due to market fluctuations
  • You can make your cash value do double duty. Take a policy loan to pay each year’s tuition, and your policy continues to grow just as if you never touched a dime of it—if it’s from the right company
  • As you pay back your loan, you’re recapturing the money into your policy, to set yourself up for a comfortable retirement—or anything else you want!
  • And the interest you pay on your loans benefits you

Ask These Seven Vital Questions

This chart lists seven vitally important questions you should ask when considering how to pay for college:


Seven questions to ask when paying for college

Where to Get the Answers and Help You Need

I can help you get all your questions answered and find out if a Bank On Yourself plan makes sense for your college-bound kids. Click here to request a FREE, no-obligation College Funding Analysis.

Welcome to the newly designed KISFinancial.net web page!

Welcome everyone to the newly designed kisfinancial.net web page.  I am excited to introduce you to alternative strategies that will help you and your family though all phases of life.

Two of the options I would like to highlight are guaranteed to earn you money annually, as well as assist you in reducing your out of pocket expenses for your children’s education.

  1. College Planning – I help my clients lower their expected family contribution (EFC).  When a family lowers their EFC they will receive more need-based aid.  I have a team of experts who will complete the FAFSA and CSS Profile.  This team will also provide SAT & ACT prep course to assist your child in increasing his/her test scores.   My team will negotiate with the college(s) of choice to maximize the aid and grants you are eligible to receive.  Upon receipt of a college offer, the team will review it and in turn will know when it is in your best interest to accept or appeal.   Please contact me if you are interested in attending an upcoming workshop.
  2. Alternative Wealth Building Strategies, such as Bank On Yourself, are guaranteed.  Bank On Yourself is a 100% liquid, secure and reliable.  This strategy has been around for over 150 years and was utilized by well known companies such as Walt Disney and J.C. Penney when they were not able to obtain a loan from a traditional bank during the great depression.  When positioned properly, this will provide you a reliable tax-free income that you can utilize as your own bank.

Please take a moment to set up an account on my website, at the bottom of the KIS Financial home page, and click on the Free Special Report from Bank On Yourself.