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    The World is Your Oyster Nowadays, many people avoid settling down until they are much older. Everyone loves the freedom of the single life; the ability to come and go as they please. No one likes to be tied down and there is nothing more freeing or liberating than being single.

    Singles can go out, meet people, and take advantage of everything life has to offer. They live life unabashedly and without worries. The allure of the single life is strong, enticing many people to put life on hold and enjoy the freedom of being single. Meet Market Adventures caters specifically to singles, specializing in a variety of fun and enjoyable services designed to make single life adventurous and exciting. When bars and clubs become tiring, all singles should log on to Meet Market Adventures to find interesting activities, events, and trips planned exclusively for singles.

    Meet Market Adventures makes it easy for singles to get in touch and have fun with lively and free spirited people in their city or across the world. Back to top Speed Dating: If you are single and have been looking for a partner then you may have contemplated going on a speed date at some point of time. Speed dating is a great concept that has been around for about 14 years now. Although it did not become popular until early s yet over the last decade, speed dating has been welcomed by various sections of the society and by men and women of all adult age groups.

    We shall look at some benefits of speed dating and why going on a speed date is better than trying to meet someone in a bar or a pub. The foremost benefit of speed dating is that the sole purpose of every man and woman participating in the speed date is to meet someone and commence on a relationship. This is better than settings at a bar when you do not know for sure if the person you intend to approach would be single or is willing to look for someone.

    Normal dates often tend to focus on the appearances of a person and there is a steady buildup of information prior to meeting. Unless it is a blind date there are a lot of details that people already know about each other which helps them to form a judgment or have some presumptions even before catching up. This aspect is ruled out if you are on a speed date. You do not know the people you would be meeting nor have any idea about their contact details.

    The focus is entirely on compatibility which is a good thing to signify the start of a relationship. A speed date is short hence it is not demandingly time consuming. It does not lead to any discomfort for any participant since in most cases speed dating is organized in finely controlled circumstances. Men and women can feel entirely safe on a speed date and can be sure that unless there is a hint of common interest for each other following the speed date, there is no requirement to reject someone or avoid someone's consistent persuasion.

    Specific speed dating or themed speed dating is ideal for people who want to meet likeminded people. There are very no major options if you would like to meet people who have an inclination to academics or research, books or films, art or religion. A themed speed dating event can offer such possibilities. Everyone is Looking for the Experience of a Lifetime Traveling when single can be an exciting and incredibly liberating experience. Single people possess a level of freedom and independence unknown to couples, allowing them to enjoy their vacation to the fullest.

    Being single pushes them to do more, see more, and experience everything their vacation has to offer. Singles vacations make it possible for people to embark on fun and exciting vacations around the world. Everyone will love exploring European cities or lounging on beautiful white sand beaches in the company of adventurous and fun loving singles. Meet Market Adventures offers a variety of exciting singles-only vacation packages.

    Offering singles vacations to some of the most exotic and uncharted areas of the world, all travelers will enjoy their truly eye opening and memorable Meet Market Adventure excursions. Not only will they garner independence and strength, but they will also be able to meet interesting people from around the world.

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    By traveling alone, all singles will make life long friendships and potentially lasting and meaningful relationships. Meet Market Adventures makes it easy for singles to meet interesting and fun people. Specializing in singles travel, their trips garner a wide variety of the most eligible bachelors and bachelorettes from around the world. While exploring China, skiing in Colorado, or lounging on a luxurious tropical beach, singles may find the man or woman of their dreams.

    The Keys to Successful Dating for Singles: As the saying goes, there are many fish in the sea. There are tons of women looking for men out there and vice versa.

    The key to finding them is making yourself available online and offline. Free Online Dating Site Use These Tips to Find the Right Free Online Dating Site Free online dating services are definitely a medium that people should consider if they are looking for a successful way to find that perfect partner in their lives.

    In order to get the best out of these free services, it is crucial that you keep the following points in mind: One of the benefits of free online dating is that they generally have a large client base compared to other "pay to use" dating sites.

    This of course does heavily depend on how popular the online dating site is. Because of this large client base, it is essential that you keep your personal safety in mind when communicating with other potential partners. Keep in mind that the reason why these sites have such a big client base is because they are free, which in turn means that people do not have to give out any type of credit card information.

    This in turn allows virtually anyone to join these free online dating sites without worrying about giving out any true information, such as their real names and addresses, as well as their age.

    The potential problem with this is that spammers and minors are usually attracted to this membership model.

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    However, this does not mean that you should never join a free online dating site. You just have to know the right way of doing it. The first thing you should look for is the free online dating site's overall reputation. The only way that you can find this out is by doing research on the Internet. Go to online forums where people discuss subjects of online dating and find out what people think is the best free online dating site to be a member of.

    In addition, look for independent reviews that talk about the sites. By gaining such information, it will make it easier for you to find the right free online dating site to use. The next thing you need to consider is whether or not that site has a good customer service department. A dating site with an active customer service department will ensure that good screening is practiced as well. This in turn will ensure that they keep unwanted members within the free online dating site out, thus making it a better environment for everybody who are trying to find their perfect partner.

    The last thing you need to look for is the type of members that are joining the free online dating site. By type, I am referring to their overall geographical locations compared to where you live. While it can be a romantic thought dating people internationally, in most cases this is impractical. You would need to be able to finally date that person face to face without having to go through too much trouble. Imagine having to date someone in a totally different continent just to get to know them.

    By keeping these points in mind, you will be able to find the right free online dating site, which in turn will help you to find the perfect partner to share your life with. Meeting singles is easy with online dating, which allows you to connect with potential lovers around the world.

    If you would prefer to find singles in your local area, join sports teams, organizations, or any recreational activities you enjoy. By doing so, you can meet singles who share the same interests as you.

    Back to top Single Men and Single Women: Who is Your Ideal Partner? For example, single guys whose looks are painfully average are better off not aiming to date the most beautiful and glamorous single women on the block.

    Single men who do that are setting themselves up for failure and disappointment. On the opposite end of the spectrum are singles who aim too low. Single ladies and single men with low self-esteem may assume that they are not worthy of the kind of partner they truly desire. Single Girls and Single Guys: If you feel unattractive, other singles will sense it. Give yourself a makeover by buying some stylish clothes, getting a new haircut, and going to the gym to improve your physique.

    At the very least, your date will appreciate the fact that you take good care of your appearance. Are you looking for a life partner or just someone to have a few nights of fun with? In the vast world of single datingyou are bound to find someone with the same expectations as you but you need to be clear about what you want from the beginning.

    Think of dating as a fun way to meet new people and make friends. Singles who take dating too seriously end up getting depressed and discouraged because they see each unsuccessful date as a failure. In order to avoid dating burnout, take periodic breaks from the dating scene. This will help you revamp and regain the optimism you need to give off a good impression when meeting singles.

    If you start to feel like giving up, take a short break until you feel pumped up enough to re-enter the dating world. A common mistake is not being able to keep up stimulating conversations on dates.

    When the conversation goes dry, you can pick from one of those topics to spice things up again. Single females find it uncomfortable to sit in silence with a total stranger. Singles who are successful in the dating arena also take the time to listen to their dates. Actively listen to your dates in order to show them that you are genuinely interested in what they have to say. Another common mistake made in dating happens when single men and single women tell white lies to try to appear more attractive to their dates.

    Whether you are meeting singles online or in person, be upfront and honest from the beginning. If you tell little lies about yourself, they will start to accumulate and eventually your date will find out who you really are. It may seem harmless to order a drink or two in order to calm your nerves and grease the social wheels but if you take it too far you will end up a drunk, blathering mess. Single ladies and single guys alike have complained of potentially wonderful dates being ruined after the introduction of alcohol.

    If you are known to drink excessively, stay away from alcohol when meeting singles. Singles who know their limits may benefit from a drink or two just to relax and ease tension during a date.
    Death is the only thing that is certain in this world.

    Since we live in a society, the first thought that comes to our mind is how to protect those who are dependent on us. Life insurance is about providing protection to the dependents. At the same time, it also provides peace of mind to the living person.

    In most cases, the dependents include the spouse, children, and parents. However, a person may make anybody the beneficiary of the policy. The insurance policy is a legal contract between the insurer and the insured. However, having a life insurance policy does not mean that you will get life cover for all kinds of deaths.

    Policy owner and the insured person Do keep in mind that the insured and the policy owner can be the same person or two different persons depending on the situation. For example, if you buy a policy for yourself, you are both the owner and the insured. However, if you buy a policy for your spouse, you are the policy owner while your spouse is the insured person. In simple words, the person who pays the premiums is the policy owner while the person who is covered by the policy is the insured person.

    Which is not covered? Most of the life insurance policies do not cover deaths due to man-made events.

    These include riots, commotion, suicide and many other similar things. The objective of this limitation is to prevent misuse of the policy and give insurance cover only to the deserving parties. Types of insurance policies Though there are many types of life insurance policies available on the market, most of them can be broadly classified into two categories.

    One is for the sole purpose of protection so that the dependents of a person can be supported after the demise of the insured person. Such policies are known as term insurance policies. The other type of policy is bought from an investment perspective. These can be called by different names like Universal, Permanent or Whole Life insurance. Term Insurance Term insurance is a kind of temporary insurance that would provide a death benefit for a certain period of time.

    There is no money accumulation for the insured. Term insurance is not as costly as permanent insurance. There is an accumulation of money in these types of policies and there is a minimum sum assured to the beneficiary at the maturity of the policy.

    Are insurance companies doing social work? Prima facie, they are doing a good work by insuring people against any untoward incident. This way, they help the dependents live a normal life despite the demise of the concerning person. At the same time, there is a bit of commerce involved in this. The insurance companies insure a person in exchange for regular premiums.

    Insurance certainly eases the pressure on a common person who depends on regular earnings to support his or her family. The insurer has the right to deny selling a policy to an insurance seeker on various grounds.

    Further, the insurance premiums vary from person to person depending on his or her age, smoking habits, medical history, driving record, job profile and other things. Taxation Taxation in the context of insurance is a complicated matter especially when you think of it from a global perspective. However, if you go country-wise, the system would be simple to understand. In Australia, premiums paid through superannuation fund are taxable. In many other cases, premiums do not come under the ambit of taxation laws.

    In the US and the UK, by and large, premiums paid for life insurance are not tax deductible. Governments around the world encourage people to go for insurance. Many countries give incentives in different forms to encourage this practice. Despite this, a large number of people on this planet lead an uninsured life. How to claim the death benefit?

    To receive the death proceeds from the insurance company, the beneficiaries need to produce a death certificate of the insured person and proof of their own identity.

    The insurance company may demand more documents to ascertain the identity of the beneficiary or the cause of death of the insured. The insurer may get the matter investigated if it finds any kind of discrepancy in the claim or the cause of death of the insured person.

    The other side You may be surprised to know that there have been cases in the past when life insurance policies were misused. The large sum of money that is owed to the beneficiaries becomes an incentive for getting rid of the insured. Insurance companies and governments have been finding ways to prevent these and many other kinds of situations.

    Insurance is a complicated matter and you should consult an expert to understand things from a legal point of view. This is why most of the employees, entrepreneurs, directors, CEOs and businessmen hire tax and insurance experts.

    There are different schools of thought regarding the utility and effectiveness of insurance policies.

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    I do not smoke. Smokers do not bother me Body build: Large and lovely Other information: Hi my friend xxxxx. I am pleased to read your letter, thanks, which you write to me!

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    Now in me length of a hair is long, I think you, all this sees on My photos. I shall send certainly you even a lot of my photos. Please, send to me your photos, WELL? I shall be very pleased to see them.

    I am single, and I have no children. My favorite The colour is red. You know, unfortunately, that I have no the telephone of a house, for this reason you could To not invoke produce to name me. And nevertheles Letter 3: Hi my dear friend xxxxx. I was very glad to receive from you the letter. Excuse, that has forced you to wait with the answer, I was very much engaged on a Summer residence.

    At us warm weather only was adjusted. I live in an average strip of Russia, from Moscow approximately kms. I not so for a long time rest on a coast Volga, there very beautiful places, was very many people, but I was one with the mum, on this was not so cheerfully.

    I hope, that when be we could together lead carry out remarkable target day off. What you think in this occasion? It is a little about itself. I love to prepare food, I like home businesses, is especial if I shall do make this all for favourite the man.

    My favourite colour red. This scammer contacted me initially through their email service. The scammer wrote once per week for about 6 weeks. Then the scammer requested money for airfare to visit me in the US.

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    I never could get the scammer's phone number, but eventually I did manage to get the scammer's "passport. My Height Is 5'8'', weight is lbs. I was never married and do not have children. I teach English at school, so my English is not that bad. I will wait for your reply. And thanks for a photo! I've always lived here. Odessians - are very cheerful, intelligent people, very friendly, with a special sense of humor.

    Summers are usually hot and pleasant for swimming in the Sea, sunbathing and other outdoor activities. Many people say our city is smiling! My eyes are brown. I don't have brothers or sisters. I am an honest and quiet person.

    It is now almost summer, so I enjoy going to a beach. But it is cold to swim in the sea yet. In general I enjoy living life to it's fullest. I graduated from a pedagogical college and I am currently working in secondary school, teaching English to children ages They will go to summer holidays, so I will have a vacation from June 1st till September 1st.

    I hope to visit your country during this period. I won't take up all of your time. I'm on my vacation already. I hope to hear from you very soon.

    It is an afternoon for you now. Do you have a nice mood this afternoon? As for me, I'm not in a good mood, I am really tired of sitting in Odessa. It is a mid of summer now, and I began to lose a hope to meet you. Please give me an answer to this question: I am really not into being pen-pals, I want a real meeting.

    Yesterday my friends Natasha and Vitalik dropped at my place and in a short while we all went out to Deribasovskaya Street. This is the main and one of the most magnificent streets of our city. We went to McDonald's and there we ran into five of my friends and co-workers in the same time.

    By the way, did you know that sandwich was a last name of a person who finally decided to cut roll in two pieces and put beef cutlet inside? Before that Americans had to bite rolls and then cutlet separately. After a cup of coffee we all decided that we needed some active kind of rest. A disco is the best place for it, we concluded. And today I wasn't left alone either.

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    We sat to drink coffee and remembered our common acquaintances and friends. Well, I am sorry my letters is short, but I need to get ready to go to a movie hall. Please respond to my question about a meeting. If we can't meet this summer, you may not respond, I do not see the sense in these writings. I want real relations. I, of course, have no problem sending you my passport page and my address.

    But you should to sent money in the mail, you will need my address just for filling in the form at Western Union. Sending money in the mail is very unreliable. If we meet you will see I'm the woman that likes to experience all sorts of fun things that life has to offer.

    We are only here for a short time that and we need to make the most of it. You sound like a good person to spend my vacation with, I know I will overcome these 's miles to be with you in your country. I believe that a woman should be a friend and a monogamous lover to her man. A man should be the same to a woman. It's an outdated practice here as people tend to want convenience over a real relationship.

    I'm still of the old school and I believe that I am to be there in every way for my man. We have hot days in Odessa now, and I get to spend much time at a beach and swim in the Black sea. Well, have a good day and I hope to email you some more soon. I want to start this out by saying I should have purchased the anti-scam guide as this woman fits everything Elena stated in the category Gold Digger. Julia is a very intelligent woman and she does use the Internet, and many agencies, she also has a new computer that I purchased for her so that when she arrived in America she can correspond with her mother.

    I asked her specifically how long she had known about this and she told me for many months. Her bio indicates she is Christian, smokes only sometimes, is a normal woman looking for a father for her son. I can tell you for a fact, Julia smokes on the average of two packs of cigarettes a day.

    She has had four lesbian relationships, one with a sailor's wife for three and one half years, one with the school friend for a lengthy time, two more encounters at those specific clubs and many man to numerous to mention, but when I demanded to know she told me over I will send copies of paragraphs where she has asked me for money rather than sending the entire letter as it would be boring.

    Julia's main tactic is not to ask for money through correspondence of letters, but over the phone as she speaks English well. I have documented everything so I can back up everything that I have said and all money that I sent.

    She now wears a new hairstyle as she had her hair corn rowed and much hair added in to lengthen her hair. Another gift from me. Except for pleasant news I have as well unpleasant news.
    After a rough divorce the year before, she was thrilled to meet a man who shared her religion, interests, and love of children and animals. Then one day Eric called in a panic, saying his passport had been stolen.

    Candace wired him the small sum without hesitation — but when he contacted her a few weeks later saying he needed a much bigger sum to pay legal bills, she realized she was being scammed. Her whole relationship with Eric was a scheme to get money out of her. This story is fictional, but the scenario is all too real. More than 14, Americans fell victim to this kind of scam inup from fewer than 6, in And that number may only represent a fraction of the real total.

    Some catfishers use these fake identities to annoy or harass others online, or just to flirt without commitment. They lure their victims into an online relationship and use it to get money out of them — sometimes thousands of dollars. How Romance Scammers Operate Romance scammers work by setting up fake profiles on dating sites and social media. They usually claim to have jobs that keep them outside the country for long periods of time, such as working on an oil rig, serving in the military, or working for a nonprofit.

    Next, they seek out victims — usually people who are lonely and vulnerable — and work to build up relationships with them. They can spend months winning over their victims with regular conversations, long e-mails, poetry, gifts, and declarations of love — everything except face-to-face meetings.

    Often, they rely on pre-written scripts that tell them exactly what to say at what point in the relationship. Next, the scammers start asking for money. Once they know the victim is hooked, they pretend to go through some kind of crisis that requires a large amount of cash to fix, such as a robbery, a medical or legal problem, a frozen bank account, or a business opportunity.

    Often, they work with accomplices who pose as friends, doctors, lawyers, or other people who can back up their story. The victims are often happy to pay because they think helping out their love interest will make it easier for them to finally meet in person. Instead, the scammer continues to string the victim along with more requests for money, sometimes keeping up the fraud for years. When the victim finally wises up — or runs out of money — the scammer disappears.

    In a few cases, the scam continues even after the victim catches on. Then they use their emotional hold over the victim to lure them into helping them with their crimes — sometimes even turning them into accomplices in other scams. Profile of a Scammer Many romance scammers operate outside the United States.

    According to HuffPost, most of them are located in Ghana and Nigeria, but an increasing number originate in communities of West African immigrants in Canada, Malaysia, and Britain.

    To make this kind of money, romance scammers often have multiple victims on the hook at once. HuffPost cites a case in which a single person was working 25 online romance scams at once, posing as both men and women. Some of the most successful scammers have extracted tens or even hundreds of thousands of dollars from a single victim. Profile of a Victim Romance scams can affect anyone. Barb Sluppik, who runs the watchdog site RomanceScams. However, some people are more likely to be targeted than others.

    Most victims of romance scams are women. Residents of Developed Nations. Scammers find their victims all over the world. However, they tend to target people living in developed nations, who are more likely to have money to spare. However, in the area of relationships, they tend to be impulsive and open to persuasion from others. Examples include job loss, divorce, the death of a loved one, or a medical crisis in the family.

    During this experience, they lived in denial, finding ways to excuse the abusive behavior or even blocking out all memory of it. Thus, they were more likely to turn a blind eye to the warning signs of a romance scam, coming up with excuses for the suspicious behavior like they had done in the past. Victims of Previous Scams. Romance scammers also like to prey on people who have been victimized before. You might think that being scammed once would make people more cautious in the future, but often, their response is just the opposite.

    The University of Exeter study found that people who have fallen for one scam are consistently more likely to show interest in another.

    Scammers can also cause a lot of trouble for the people — usually men — whose images they steal to create their fake identities. Also, the image of a strong soldier protecting his country tends to appeal to women seeking love online.

    HuffPost reports that General John F. Campbell had his image used in more than fake profiles in the space of six months after assuming control of the U. Jones, had not only his image but his entire identity stolen by scammers. Jones now runs an entire Facebook group dedicated to exposing scammers who have used his image to defraud women. However, because so many of these crimes go unreported, this is probably only a fraction of the real total.

    These devastating financial losses are far from the only dangers romance scams pose to their victims. Victims of romance scams often end up abetting the scammers in other crimes. Scammers may use their victims to launder stolen money, transport drugs or stolen goods, or even help them scam others. In other cases, the victims are so emotionally dependent on the scammers that they willingly enter into a life of crime to help them.

    In other cases, they simply demand money from the victims in exchange for a promise to keep the photos private. Sunmola extracted money from at least two of his victims by blackmail and then posted their nude photos online anyway.

    Scammers living overseas sometimes lure their victims out of the country, where they can face all kinds of dangers. Some, like Armstrong, end up in foreign prisons, while others are kidnapped and held for ransom. Some even end up dead. A study in Criminology and Criminal Justice found that for most victims, the loss of a relationship they thought was genuine is more devastating than the financial loss. Many victims described the experience as traumatic, and most reported that friends and family showed little understanding or support.

    HuffPost reports that some romance scam victims have attempted or committed suicide. Becoming a Repeat Target. They then sell those lists to other criminals, exposing their victims to additional scams. However, for people who know what to look for, there are often red flags that reveal something is amiss.

    Here are some warning signs that your online flame could be a scammer: Scammers go out of their way to make themselves appealing to their victims. Their Profiles Are Scanty.

    Building a consistent fake identity from scratch is tricky, so many scammers keep their online profiles to a bare minimum. The few friends they have are usually accomplices in the con — people you might hear from later when your new love starts asking for money. Their English Is Limited. Because most romance scammers operate in foreign countries, their English skills are often limited.

    Romance scammers try to move the online romance forward as fast as possible. They declare their love for the victim quickly, sometimes after just one or two conversations. They Move the Conversation to Another Site.

    Although scammers typically meet their victims through dating sites or social media, they prefer not to pursue the relationship through these channels. Instead, they persuade their victims to communicate through e-mail or messaging apps. This makes it easier for them to keep their real identity hidden and also allows them to organize all their communications with their various victims.

    They usually claim to be living outside the country — traveling, working abroad, or stationed overseas as part of the military. They Forget Important Details. Because online romance scammers often have multiple victims on the hook at once, they sometimes have trouble keeping all their stories straight.

    Scammers often ask their victims for intimate photos or videos, which they later use as blackmail. The biggest, brightest red flag of all is that your online lover keeps asking you for money to deal with one emergency or another.

    They have health problems, emergency travel expenses, losses from a robbery or other crime, family emergencies, and so on. Protect Yourself From Online Romance Scams None of this means that finding love online is impossible; however, it pays to be careful.

    How to Avoid Being Scammed Here are a few tips experts recommend to protect yourself when meeting people online: Check Out Their Story. When you first meet someone, do a little digging to see if they are who they claim to be. Run their name through a search engine and see what pops up. Do an Image Search. Ask lots of questions and learn as much as you can about them. Meet in Real Life. Lay out the whole situation to a family member or friend and ask whether it seems suspicious to them.

    Those images you thought were private could be used to blackmail you later. However, be aware that if the person on the other end really is a scammer using a false name, enforcing the agreement could be difficult or even impossible.

    Free vs Paid Dating Sites

    Steve Jones, the New York man who had his image stolen for hundreds of fraudulent profiles, has posted a public service announcement on YouTube about how to protect yourself from this form of identity theft. Check out their profiles to see how many friends they have, and especially how many friends they have in common with you. Another way to protect yourself is to run periodic reverse-image searches for your own photos. Search online to find instructions for doing this on different dating and social media sites.

    However, there are a few things you can do to improve the odds of recovering your cash, catching the criminal, and protecting yourself in the future:

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