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6 Month CD Interest Rate Forecast (Certificate of Deposit) #interest #certificate #of #deposit, #6 #month #cd #rate #forecast


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Market Commentary 19273
April, 2015 Data:

12 MONTH FORECAST
The 12 month forecast for the 6 Month CD Interest Rate is in the table at the
top of this page. Forecast-Chart.com is forecasting that 6 month Certificate of
Deposit Rates will be roughly 0.13% in one year. The table shows a HDTFA of
0.04% which suggests that the May, 2016 rate could easily fall between 0.17%
and 0.09%. Forecasts for many other interest rates may be found by clicking
INTEREST RATE FORECAST at the top of this page.

5 YEAR FORECAST
Will the 6 Month Certificate of Deposit Interest Rate be higher or lower 5 years
from now?

Look at the table immediately below this paragraph. Forecast-Chart.com is
forecasting a probability of 31.0% that the 6 Month CD Interest Rate will be
higher in 5 years. The table shows a probability of 69.0% that the rate will be
lower in 5 years. (April, 2020 rate compared to the April, 2015 rate). 41 YEARS
of historical data were use to calculate probabilities for Forecast-Chart.com’s 5
Year Forecast. Check this page each month for updates to the 5 Year
Forecast for the 6 Month Certificate of Deposit Interest Rate. The forecast may
change substantially as a result of movement in the indicators used in the
forecasting model.

Forecast Probability
Up 31%
Down 69%
Unchanged 0%

5 YEAR FORECAST: Various Rates
In 5 years, how high or how low is the 6 Month CD Rate likely to be?

The first line of the table below indicates that the probability of 6 Month CD
Interest Rates being ABOVE .17% in April, 2020 is 20%. The probability of 6
month Certificate of Deposit Rates being BELOW .17% in April, 2020 is 80%.
Probabilities for various other rates are shown as well.

HISTORICAL 6 MONTH CD RATE
Average (Last 12 Months) 0.13%.
Average (Last 10 Years) 1.88%
High (Last 12 Months) 0.13%
Low (Last 12 Months) 0.13%
High (Since June, 1964) 17.98% (August, 1981)
Low (Since June, 1964) 0.13% (April, 2015)

MONTHLY 6 MONTH CD RATE
May, 2014 0.13%
Jun, 2014 0.13%
Jul, 2014 0.13%
Aug, 2014 0.13%
Sep, 2014 0.13%
Oct, 2014 0.13%
Nov, 2014 0.13%
Dec, 2014 0.13%
Jan, 2015 0.13%
Feb, 2015 0.13%
Mar, 2015 0.13%
Apr, 2015 0.13%

HIGHLIGHTS
The 6 Month CD Interest Rate for April, 2015 averaged 0.13%. That’s the same
as the March, 2015 rate, and the same as the April, 2014 rate, The stability of
rates from March to April indicates that the short term rate trend has been flat. If
that market trend continues, we should see an average daily rate in May, 2015
that is close to 0.13%.

The average 6 Month CD Rate for the last 12 months was 0.13%. The average
rate over the last 10 years was 1.88%. Lower rates over the last 12 months
compared to the average rates over the last 10 years serve as an indicator that
the long term rate trend in 6 Month CD Rates is down.

The highest annual rate over the last 12 months was 0.13%. The lowest was
0.13%. The high annual rate was attained in May, 2014. The market low was
achieved in April, 2015.

Forecast-Chart.com’s historical research covers 6 Month CD Rate data back to
June, 1964. The average annual rate during that period of history was 5.80%.
The highest rate was 17.98%. The lowest rate was 0.13%. The market high
was attained in August of 1981. The market low was achieved in April of 2015.
Recent rates experienced in April of 2015 are low relative to the historical
5.80% average.

This page provides a five year chart and a forecast for 6 Month CD Interest
Rates. For links to longer term charts, look at the links under the five year chart
(above). One link opens a ten year chart. Another opens our longest term
graph on 6 month Certificate of Deposit Rates. Just one glance at our long term
charts can provide tremendous insight into the historical trends of the financial
markets. The data table above presents the history of the 6 Month Certificate of
Deposit Interest Rate in numerical format.


6 red flags for online dating scams – CBS News #dating #sites #app


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6 red flags for online dating scams

Sh’reen Morrison had been on an online dating site for only a few weeks before she realized that something was seriously wrong with the man who had been actively pursuing her by text message and email. They’d hit it off right away, and he said he lived just outside of Phoenix, which seemed relatively proximate to a woman in remote Yuma, Ariz.

But meeting in person was always a problem. First, he was traveling through India with his daughter. Then the daughter became ill and had to be hospitalized.

Online dating dangers

A new study has raised concern, as more children are talking to and meeting people they meet online, with dangerous consequences. CBS News contri.

When Morrison suggested that her suitor put his daughter on a plane to get better medical attention at home — and even offered to pick the girl up at the airport — a new crisis struck. By then, Morrison knew she was dealing with a scammer.

“The story was getting more and more bizarre,” she says. “But I hung on and kept communicating because I wanted to see the end of the movie.”

The ending came as no surprise to experts on romance scams. Morrison’s erstwhile Romeo claimed he needed her to “lend” him $18,000 to deal with one of the many crises he had fabricated. “He said he was going to pay me back double,” she laughs.

Though the amounts and details of the scam vary from victim to victim, when it comes to romance scams, the con is almost always the same: The crook wants to get a besotted victim to wire money or provide access to a credit card.

If the victim doesn’t figure out the con after the first request for cash, the crook will keep milking the relationship for as much as he or she can get. When the victim gets wise, the con artist gets scarce.

To be sure, these scams aren’t new. But the increasing popularity of online dating gives them the perfect conditions to proliferate. There are no statistics saying just how common scammers are on dating sites. But individuals who frequent them say scams are pervasive.

Indeed, many sites warn their customers to beware. Match.com, for instance, includes a disclaimer at the bottom of every onsite email between members, warning not to send money or provide credit card information to anyone you’ve met on the site.

“I probably hear from five scammers a night,” says Marko Budgyk, a Los Angeles financier who has frequented several online dating sites over the past 10 years. “After a while, it becomes really easy to spot them.”

Here are six red flags to help detect and sidestep romance scams.

Let’s leave the site: Online dating sites have the ability to monitor and boot members who exhibit problematic behavior or are perpetrating scams, so con artists want to quickly move their victims elsewhere. Beth Kipps, who has experimented with several dating sites, says the men who have attempted to con her almost always have a reason why they shouldn’t continue to communicate via Match.com or eHarmony. Most commonly, the excuse is “My membership on this site is almost up. How about if we text or communicate though our personal phone/email?”

Moving off-site before launching a scam reduces the chance that you’ll report the crook to the relevant site. That’s important to the con artist, who’ll want to troll the site again for future victims when done with you. Do your fellow legitimate members a favor and be sure to report abusers.

May-December. Budgyk, 56, doesn’t suffer for a lack of confidence, but he also knows something is amiss when a model half his age just can’t get enough of him. “When some 25-year-old girl is telling you that she’s in love with you, you have to wonder why,” he says. “You see this communication and think, ‘Oh my gosh, I must be more attractive than I thought!’ No you’re not. Be realistic. If a 25-year-old model is contacting a 50-year-old man, there’s something wrong.”

Scammers look for vulnerable populations — women and men in their 50s and 60s who are divorced or widowed and may feel rejected or past their prime. They’re also likely to target people with weight problems and those recovering from illnesses.

Why? Any of these issues might make you a bit more anxious about your ability to find love and potentially more receptive to the con. The crook will then lavish you with attention and flattery. The idea is to get you to suspend good sense and become enamored with someone you’ve known online for just a few weeks and have never met in person.

Trappings of wealth. Kipps has decided that another tip-off is photographs that show all the trappings of wealth — exotic cars, mansions, pictures in romantic foreign settings. Of course, real people sometimes have nice things and go to great places, but these visual cues are key to scammers who want to get your guard down for their future bid for cash.

By fabricating an illusion of their own wealth, scammers may be able to convince you that you’re simply “loaning” them money that, for some weird reason, they can’t immediately access.

Where do the scammers get photos of themselves in these exotic locations and with these costly products? They don’t. They troll other sites and steal other people’s photos.

Budgyk knows this from experience: A Nigerian scammer lifted photos from Budgyk’s profile. He found out when he discovered his photos were on a romance scam site warning about the same Nigerian crook who had stolen his photos.

Morrison says she realizes that photos posted by her one-time suitor were also fakes. She now examines photos of everyone who contacts her to see if she can match them in Google images to a real person. She’s often surprised at what she finds. “One guy stole photos of a male model,” she says.

Linguistic anomalies: Bad grammar, strange word choices and linguistic gymnastics are other signs of a foreign scammer, experts say. When reading an email, ask yourself whether the sentence structure strikes you as strange. If it does, ask lots of questions. Where are you from? Where were you educated?

If a profile indicates your match has a college degree, but he or she can’t string a sentence together, you have reason to be suspicious.

Geographic challenge. It’s rare for a scammer to meet you in person. The reasons are varied but practical. Many are operating out of foreign countries, despite profiles saying they live nearby. Their photographs are also likely of someone else, and that would be tough to explain in person.

Commonly, when the victim proposes an in-person meeting, they’ll come up with some excuse for why it can’t happen: They’re traveling, stationed overseas or have some long-distance emergency.

Kipps says her worst experience was with a man who claimed to be a widower raising his five-year-old daughter. Just as they were about to meet, he had a sudden emergency and had to fly to the Philippines, where his daughter was supposedly staying with a relative.

Disaster strikes. Immediately after Kipps’ date left for Manila, she started getting text messages about the emergency that sent him overseas. He was at the hospital. His daughter had been in an accident, he said. Distraught, he said he left his wallet in the cab. He needed money for a hotel. Could she help?

When she declined, the messages got more desperate. He sent heart-wrenching photos of a young girl, who appeared to be his daughter’s age, hooked to a raft of medical monitors.

Uncertain of whether she should believe the man, Kipps Googled “photos of sick children.” And of course, the photographs she’d been getting via text message were public images posted online. Says Kipps: “What kind of horrible person does something like that?”

2014 CBS Interactive Inc. All Rights Reserved.


6 Tips For Writing The Perfect Online Dating Profile #dating #men


#online dating tips

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6 Tips For Writing The Perfect Online Dating Profile

If you are looking for love online, a great profile is key. Of course you need compelling photos, but those who are looking for a real relationship will look beyond a pretty face to find out what you are about. It would be nice if everyone could give you the benefit of the doubt and magically see what a fascinating, unique, loving person you are, but that’s not how online dating works.

A generic profile that doesn’t say much or says the wrong things will be overlooked by the very people you truly hope to connect with. There are lots of quality singles online. If you hope to meet one of them, speak to them, not the masses!

Imagine that your ideal partner is going to read your profile. How will he or she recognize you as their perfect match?

Follow these crucial tips to make sure you are attracting the right people online!

1. Give a snapshot of who you are, how you live your life and the relationship you are seeking.

Your profile should start out by describing your most prominent and positive character traits. Are you funny? Outgoing? Creative? Loyal? Affectionate? Intellectually curious? Choose 3 or 4 adjectives that best describe your personality. If you’re at a loss, ask your friends for help describing you. How would they describe you to someone they were setting you up with?

Be sure to also include what you care about. Don’t use the crutch of describing your job and moving on. It’s not a resume, and your job should get little focus. If you love your job, say so. But more importantly, what are you passionate about?Do you care most about making music? Helping others? Winning a pro surfing competition or rescuing stray dogs? If you care about learning new languages and taking trips to test your skills, say so! The right people are going to think that’s awesome.

Lastly, be honest about what you are seeking. Don’t hedge and downplay you desire to be in a committed relationship, or your desire for the opposite! Remember – you want to attract the people who are looking for what you are looking for. If you want a relationship, say so!

2. Who you want to meet – the character, not the characteristics.

I can’t emphasize this enough. Please be sure to say who you want to meet in your profile, without sounding overly specific as to their characteristics. Avoid listing your ideal partner’s hobbies, height, body type, education and interests.

When you focus on character, you are being specific as to your values, which will resonate with like-minded people. If you focus on characteristics you risk sounding superficial, rigid, or overly picky. These are not attractive qualities!

For example, rather than specifying the characteristic of “having a fit body,” you should state the character trait of “active” or “valuing health and fitness.” The first example is about an outcome (fit body), the latter is about a way of life (being active and taking care of yourself). The former excludes people who don’t want someone who is overly concerned with appearances (even if they themselves are fit), and the latter includes those fit people who care about more than the superficial.

Remember – you have already started your profile by saying who you are and what you’re into – if someone is still reading, they’re already intrigued by you and what you care about. If you really want to meet someone who loves sailing because sailing is your passion, that person who also loves sailing is already hooked as soon as they read that sailing is your passion! If they hate sailing, hate the water and hate sailors, they’re already gone.

When you are writing about who you are and how your live your life, be sure to show the reader what that looks like in action. You are trying to attract the right people to you, and to do that you need to be specific.

For example, many people say in their profiles they like to travel. “Travel” could mean anything from a trip to Disneyworld to hiking the Appalachian Trail to a Mediterranean cruise to a luxury safari in Kenya. Don’t assume that the reader is going to know which of these you’d be into!

Talk about your favorite travel destinations, your dream vacation or the best trip you ever took – the person who loves your kind of travel – or is intrigued by it – will take note!

Rather than saying “I love to have fun” say “I love having fun – my ideal weekend includes bowling, a Netflix binge and a pancake brunch.” That’s not everyone’s idea of fun, but if it’s yours – own it!

If one of your defining values is loyalty, show what that looks like in your life. When you are in love, are you your partner’s biggest cheerleader? Have you stood by your beloved losing baseball team? Or your childhood best friends? Look to your life for actual examples!

The added bonus of specificity is it gives people who want to reach out to you a “hook” to mention in a message to you.

4. Leave out the negative and the snarky.

It amazes me how many people use their precious profile real estate to talk about what they don’t want or about their cynicism, bitterness or pessimism.

Negativity is so not sexy!

Not only do you come across as negative, but you also give the impression that you are the very thing you claim not to want. If you say “drama queens need not apply” I will assume that you have tons of relationship drama, which means you don’t have the self-awareness to see how much of it you create!

The better you are at attracting the right people, the more the wrong ones won’t be attracted to you. Besides – you can’t avoid being contacted online by some people you don’t want to date – that’s par for the course. Your focus instead should be on being contacted by those you do want to date!

It is more effective to focus on attracting the right people than repelling the wrong ones.

Another common pitfall is sarcasm in the profile. You might be sarcastic, and that might be what people who know you love about you. But sarcasm doesn’t translate well in an online profile, especially if you are a woman! Women might be more forgiving, but very few men will be instantly drawn to a woman who leads with sarcasm.

5. Decide the story you want to tell.

Your profile tells a story. It shouldn’t be a novel (consider this a bonus tip!), but a short story that captures your personality. It might tell the story of an athletic, ambitious world traveler, or a geeky, sincere introvert. Or it could tell the story of a bitter, demanding perfectionist. Review your profile, photos and text together and ask yourself:

Who am I showing up as? What story am I telling of my life?

Your story is dictating who is attracted to you, so make sure you are grabbing the attention of the right people. If you aren’t able to be objective about your profile, ask someone you trust to read it for you. Is it highlighting your best qualities? What are you saying between the lines? Is it what your ideal partner wants to hear?

Are you expressing what is both unique to you and what is attractive to who you want to date? If you can do that, you are winning! And you just might meet the perfect person for you online.

6. Check your spelling and grammar.

Since we’re talking about writing a profile, I have to mention spelling and grammar. There is a lot of bad spelling and grammar out there. And there are a lot of online profiles that list spelling mistakes and bad grammar as a pet peeve. And some of those same people have spelling mistakes and bad grammar in their profiles!

Plenty of people will be forgiving of typos, but don’t risk turning off someone just because you didn’t use spellcheck.

The thoughtfulness and care you put into your profile will show and be appreciated by others. So make the effort to clean up your mistakes!

Francesca is a professional dating coach and matchmaker. You can catch her as a regular expert guest on NBC’s The Today Show, and on The Hoda Kotb Show on SIriusXM. Get more free dating advice, including a guide to your perfect online photos at www.francescahogi.com !

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6 Online Dating Mistakes to Avoid #dating #chat #rooms


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Mashable

6 Online Dating Mistakes to Avoid

So, you’d like to meet someone and have decided to go online. That’s a good move — proactive and forward-thinking. But be careful not to be lulled into habits that will undermine your online dating experience.

Here are some tips to keep in mind as you peruse the seemingly endless stream of profiles from prospective partners.

1. Don’t go crazy over the pictures.

On the Internet, it’s easy to feel nitpicky and maintain high expectations. With apps like Tinder, you snap-judge users as if you were scrolling Amazon for the best pair of speakers.

This sense of being in the driver’s seat, of choosing, can be appealing. It makes you feel powerful. Fight it.

If what you want is a real connection — a relationship with a person you hope to love and who will love you — you will have to bring your most mature and empathetic self to the project.

That means not saying, “Eh, she’s cute — but I prefer brunettes to blondes. Next!” You’d never behave this way in person, so don’t do it online.

2. Don’t obsess about the details.

Don’t worry too much about the particulars: which restaurants, bars, movies or books a potential date likes. (“Oh, he lives in Queens” or “She prefers Six Feet Under to The Sopranos .”)

Instead, take in the broad strokes — does he live in the same city? Is she a reader? Does he seem intelligent? Don’t become consumed with the idea that someone out there corresponds exactly to all your tastes and preferences.

After all, chances are many of your exes didn’t share your exact tastes, and nine times out of 10, it isn’t why you two broke up. If you obsess about the little things (this guy shares my passion for both dim sum and Noah Baumbach flicks!) you are likely to pass over the profiles of people who might actually make you happy.

3. Evaluate the tone of the profile.

What’s actually important in evaluating a profile is its tone. You want to try and get a sense of what the person is like, which can be truly difficult.

It’s a challenge as a novelist to convey characters in meaningful ways — it’s no less demanding for a person writing, or reading, dating profiles. It’s key to read between the lines to get a sense of whether the person seems well-adjusted — pleasant, friendly and reasonable, someone you would be drawn to if you met him or her in person, even if you didn’t know her top five favorite movies.

Look closely for signs of boastfulness, snideness or bitterness. Also, insincerity: the person who claims over and over again to “absolutely love” his or her life just the way it is, to be “completely and totally” satisfied with everything in it. These people claim to have joined said dating site on a lark (“my friend suggested it and I figured why not?”). These behaviors suggest this person might have trouble being honest about his or her vulnerability or true motives.

Attention to tone when you read profiles will help you to ferret some of those qualities no one admits to (we often don’t even know we have them, sadly).

4. Ignore claims about personality.

Ignore most of the person’s explicit claims about his or her personality — for example, “I have a sense of humor about myself” or “I’m an optimist.” People are very unreliable self-reporters.

That’s not just because they lie (although that’s a possibility, too), but because the way we see ourselves often bears little relation to how others see us. And only external events provoke our negative reactions, right? (We humans are expert self-justifiers.)

It means nothing. The only explicit claims worth taking at face value are factual — job, age, education and location. When it comes to less tangible qualities, people are just too biased.

On the other hand, it’s worth paying attention to what is implicit in a profile — e.g. a sense of humor that rises to the surface. (A friend of mine answered a question about his strengths this way: “I am responsible about refilling the Brita pitcher.” This says more about what he’s like in conversation than any claim of being a “funny person.”)

5. Don’t get attached based on a profile.

Image: Dave M. Benett/Getty Images

No matter how much of an expert you’ve become at reading profiles, and no matter how well this girl or guy corresponds to your dream match, there’s still a lot you won’t be able to glean until you sit across from him or her at a coffee shop.

It doesn’t matter how many delightfully winning asides he has included in profile about his cute devotion to his 96-year-old grandmother. Think her passion for hot dogs and minor league baseball suggests just the kind of chill, fun-loving girl you’ve fantasized about dating?

You learn so much more from a person’s manner and demeanor — whether he makes eye contact, her tone when she speaks, how often she smiles. You also recognize social niceties; that is, what sort of effort he makes to ask you questions, whether she is constantly checking her phone, etc.

So much vital information is only disclosed in person. The goal shouldn’t be to find your perfect match but merely to winnow down the possibilities to a reasonable number, and then to meet those people IRL.

6. Don’t construct a fantasy after two dates.

You shouldn’t do this offline either, of course, but the temptation to fantasize can be even greater when you’ve met someone online. After all, in his profile he claimed to be looking for a relationship (and why would he be online unless he really wanted to meet someone?) What more do you need? Answer: a lot.

Sometimes we get so tired of dating that we just want to be done with it, rush into the next thing: the relationship. But getting too attached too soon is often the worst thing that can happen to a budding connection. It tends to dampen flirtation or scares off your counterpart. After a few dates, you are still getting to know each other, no matter how perfect he or she seems. To become too attached suggests that you are projecting a fantasy onto the other person.

It can be hard, when you so badly want to find “the one,” but getting to know another person, truly, takes time and patience.

What are some other tips you have for evaluating online profiles for compatibility? Let us know in the comments.

Homepage Image: Michael Tercha/Chicago Tribune/MCT via Getty Images

BONUS: The Overly Attached Girlfriend’s Guide to Looking Creepy

Adelle Waldman’s first novel, The Love Affairs of Nathaniel P.. has recently been published. Her writing has also appeared in Slate. The New York Times Book Review. The Wall Street Journal and The New Republic. More


6 Lessons Men Can Take From Brazilian Men When It Comes To Women #singles #online #dating #free


#brazilian dating

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6 Lessons Men Can Take From Brazilian Men When It Comes To Women

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He gazes at her with such intensity and desire; when he locks eyes with her, he doesn’t let go. He is seductive. Charming. Passionate. Flattering. Persistent. Affectionate.

He will sweep her off of her feet. This is the powerful, irresistible lure of the “Brasileiro” (Brazilian man).

I admit that a fair share of Brazilian men have entranced me. There is just something about them that always seems to pull me in — can you blame me?

Irresistible lure aside, after spending nine months in Brazil, I came to really appreciate certain facets of romance and dating there that tend to be lackluster stateside.

So, American guys, listen up: While the Brazilian society is far from perfect, there are definitely a few things that you could all stand to learn from your South American counterparts when it comes to wooing a girl.

1. Be expressive; tell women how you feel.

With unbridled passion comes expressiveness. One thing I love about Brazilian guys is that they don’t beat around the bush. If a Brazilian finds a girl beautiful, he will tell her. None of this, “you’re kinda cute” or “you look nice” business.

I’m talking real compliments, like “voce é muito linda” (you are so beautiful). In Brazil, it is not unusual for a man to bombard a woman with compliments as she walks down the street. “Linda” (beautiful), they will often blurt out, with infatuation and fervor.

It is almost as if it’s in their DNA to flatter women; they just can’t help it. They really seem to know exactly what to say to make a girl feel special, like she is the only girl who exists.

Even when I first started dating my Brazilian boyfriend, he would always tell me how much he missed me when I was gone. He would rave about how beautiful he found me to be, send me romantic song lyrics and just weeks after we started dating, he told me he loved me.

From then on, he made sure to remind me of that constantly. He made it clear from the start that he felt strongly about me, so I never once doubted his feelings. For me, such effusiveness was a refreshing change from the many tight-lipped Americans guys I have met in the past!

2. Show affection, and don’t be afraid of a little PDA.

Why is it that we Americans are so afraid to show affection in public? Not that I encourage couples to make out for hours in front of me on the subway, but since when did it become a crime to kiss your partner or be publically in love?

I find it interesting that in the US, we have a term for publicly showing affection (“PDA”). There is no word for this in Portuguese because this type of behavior happens constantly; it’s expected.

Furthermore, being “carinhoso” (affectionate) is integral to Brazilian relationships and the lack of “carinho” (affection) in many American relationships is probably one reason why Brazilians have labeled Americans as “cold.”

From the start, my Brazilian boyfriend was super “carinhoso” with me, regardless of whether we were alone or in front of his friends and family. His actions made me feel loved and desired – at all times.

However, boyfriends are not the only ones to show affection. Even after just meeting a girl, I’ve found that the typical Brazilian man will be very touchy-feely with his new love interest. With American guys, the lack of affection has often left me wondering what is going on and whether or not he even likes me.

Don’t get me wrong; I am by no means a needy person. Speaking on behalf of the majority of women, however, it is so much more gratifying to be with a guy who is affectionate and not afraid to display that affection in (gasp!) public.

3. Forget all of this DTR stuff.

Everything is much more relaxed in Brazil, including dating. The pressure to establish and label relationships is not as prevalent as it is in the US.

Think about this: In the US, we have actually invented a word for defining the relationship status (“DTR”). Once again, such a word does not exist in the Portuguese language because Brazilians do not make such a big deal out of dating.

In the US, dating is often a long, drawn-out process that can get pretty messy. In Brazil, it’s so much simpler: If two people like each other and are spending time together, they will normally start to “namorar” (date exclusively) shortly after.

My Brazilian boyfriend and I only waited 10 days after meeting to become an official couple. We both liked each other and did not want to be with anyone else, so we didn’t bother to delay something we both wanted.

When recently talking to a Brazilian friend who lives in the US, she told me she had to make it clear to the American guy she had just started seeing that she was not going to tolerate the typical pre-relationship BS.

If they continued to see one another, she would expect there to be a boyfriend-girlfriend title on their relationship, soon. She was frustrated by the fact that Americans wait for what feels like an eternity to DTR (whoops, there I said it again).

In Brazilian culture, things move along much faster.

4. Be a little spontaneous.

Brazilian guys are a spontaneous bunch, which means that dates are rarely planned in advance and always seem to be last minute.

I, personally, prefer to be asked out at least a few days in advance (it shows that a guy is making time for you in his busy schedule and treating you like a priority, not an option); however, spontaneity in moderation can be nice.

5. Don’t be afraid to introduce a girl to your family.

Familial ties are huge in Brazil, so it makes sense that meeting the parents is nothing close to the hyped-up, stressful ordeal that it is in the US. In Brazil, this sort of thing happens very early in a relationship.

My Brazilian boyfriend was dying to introduce me to his family only a week or so after we met. It made me wonder why we dramatize this so much in the US. It is not as if you have to marry the person you introduce to your parents!

Meeting someone’s family helps you learn more about the person you are dating. Plus, getting a family’s opinion on your partner can help you determine if he or she is a good fit for you.

6. Be forward.

I admire how ballsy Brazilian men are. They’re confident, charming and totally tough to resist. The typical Brazilian guy wastes no time.

If at a bar (or other social setting), here is how it generally works: The guy will approach a girl he has been eying, introduce himself and then wrap his arm around her.

He will shower her with compliments, tell her how beautiful she is and soon after, try to kiss her. One Brazilian guy once told me that five minutes after meeting is a long time to wait to kiss a girl. If the girl refuses to kiss him, he will keep trying until she gives in… or until she gets rude and tells him off.

So guys, take note: Being forward and confident is good, but being intrusive and relentless to the point of obnoxious is not. The bottom line is that if you have your eye on a girl, pursue her and make her feel desired. Never, ever let her question how you feel about her.

It’s really as simple as that.

Photo Credit: Getty Images

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6 Ways To Meet Girls In College That Don – t Involve A Dating App – BroBible #christian #dating #service


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6 Ways To Meet Girls In College That Don t Involve A Dating App

Why would you want to approach a girl in real life / How would you go about it

There are two ways to meet girls in college.

There’s the old-fashioned method of introducing yourself to girls you meet through classes or mutual friend groups, and then there’s apps like Tinder, where you can sit in the comfort of your dorm room and swipe endlessly, hoping against hope that you’ll swipe right to someone who is both hot and also doesn’t totally suck.

So, given that your friend group is probably all but tapped out in terms of girls you would want to bang (or date, if that’s what you want), your options are Tinder, or risking your pride by saying “hi” to a good looking stranger. But knowing that a strange girl could potentially stab your pride with the knife of rejection, why would you even try since you know you can open an app which does essentially the same thing?

Because girls love it when they meet a guy with interests in common—even if you’re just looking to hook up, it will make the mandatory post-sex cuddle that much less awkward. If you’re both in a class together, or you play the same sport (IM, club, or pick up), or you both joined the same club, it makes sense to reach out to her and try and get to know her! Copping out because you’re nervous she’ll shut you down is a complete waste of time—at least half of the reason we are in college is to talk to people and develop social skills so we can be functioning adults, so relying on Tinder and on your roommate’s girlfriend to set you up are steps one and two to being That Guy Who Can’t Talk To Women.

Unfortunately, I can’t provide you with an encyclopedic list of Exactly Where To Talk To A Girl And What To Say, because there’s no “right” or “wrong” way to talk to a girl, but I can try to give you some advice for where to start:

At The Beginning Of Class/After Class .

It’s not weird to sit next a pretty girl in class if there’s an empty seat and say hi, or to talk to her as she is packing up her stuff. Don’t screw this up by being like, “you’re hot and that’s why I sat here” or by sitting next to her when there are 100 other empty seats. Instead, comment on the reading, or ask her if she’s also a ____ major. Those are perfectly good questions to get to know someone. If you’re in the same class, you probably have similar interests—you can’t ask for a much better foundation than that.

Introduce yourself to that pretty girl on the IM Frisbee team. If you saw her make a great goal/point/whatever, mention it to her. Compliments are great openers, and it’s a way to say, “I noticed you” while not saying “I stared at you the whole time.”

Take A Gym Class

Yoga or spinning are simply great workouts, plus they’re always full of pretty girls. First, you’ll stand out because you’ll be in the strong minority in the dudes-to-chicks ratio, plus there’s always plenty of time after the workout when everyone is pulling on their coats/sweats to say hi and make a joke about how you could only hold crow-pose for like 3 seconds.

I’ve had so many conversations with friends about how clubs/activities related to service to the community are always frantically recruiting dudes because for some reason they often don’t apply or participate. In the health education group I intern for at UVA, we shove flyers in boys’ faces between classes urging them to apply (“there are free condoms!”). Trust me on this, even if the rest of your friends aren’t into building houses for poor people or taking a service trip over spring break, they’ll be eating their words when you find yourself surrounded by cute, friendly babes sweating in the sun hammering homes together.

Open Mic Nights

Poetry isn’t just for ladies! One of the best spoken word poets I know slays every week at a local open mic night and oh by the way he’s a dude. You don’t even have to read anything! Just show up, introduce yourself, and meet interesting English majors who will, in all likelihood, be super friendly and really interested in talking about that indie group you looked up on Spotify 30 minutes before showing up.

Through the wonders of degrees of separation, it is incredibly likely some of your friends are friends with hot girls you have not yet met. Yes—it really can be that simple. If you see them sitting together at the Student Union, or on a bench between classes, go up and introduce yourself! I find that when I shake hands with friends of friends they look at me all surprised, like, “I’m not used to being noticed.” Don’t be that guy—pull together the ounce of courage you managed to hold on after high school and just say hello! I promise, you can do it, and no, the Earth will not explode.

I want a dollar for every missed opportunity I have screwed up because I was too shy to say something. Perfect example: I matched with a kid I had a gym class with on Tinder two semester later, and he was like, “Yeah I thought you were like so cute,” and I was like, well fuck—this would have gone a lot better if I hadn’t been such a coward and actually tried to talk to him during class.

So get out there and say, “Hi, how’s it going?” You can thank me when she says “Hi” back.


6 Dating Rules to Break #meet #women


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6 Dating Rules to Break

1/7 Ture Lillegraven

Do you really need another dating guide? In a word: Yep. Today, the average age of a woman’s first marriage is 27 (compared with 20 in 1960). That means the boy-meets-girl dating rules you learned from your mom and have been vaguely following since you were a teen need to be updated. And in a time of ever-changing social mores and social media, romance is more confusing than ever (“Is it weird if I tweet at him?”). WH spoke with psychologists, scientists, and dating experts to give you a truly modern love manual.

2/7 Ture Lillegraven

The Rule: Offer to pay.

Bend It: Insist on paying.

Unless, of course, you’re looking for a sugar daddy and don’t care about having an egalitarian relationship. OK, that’s a bit dramatic, but point is, you want to set the tone that you’re an equal partner and contributing financially does that, says Chiara Atik, an expert with online dating and relationship site HowAboutWe.com.

Still, most guys will want to pay on the first date (men have rules too). But after date numero uno, “it’s all about the ‘new fifty-fifty,'” says Atik. That doesn’t mean going Dutch (laying down two credit cards after a candlelit meal is about as romantic as flicking through your Instagram feed mid-date). Instead, find other ways to pony up. Did he buy dinner? Reciprocate by covering drinks and treating for the next meal out.

The Rule: Don t rush to contact him (you ll seem desperate).

Break It: Text within 24 hours.

The beauty of a speedy text: It’s efficient for making plans to see him again and a key to flirting for shy girls. Here, a few guidelines on the other forms of reaching out:

Call: After three or four dates.

E-mail: Skip it if you’re sending a “Hey, what’s up?” type of message (texting is better for this). But go for it if you want to send him a link to an article you think he’d like as soon as the day after the first date.

Instant message: Don’t. Once you start, it’s difficult to stop, and long conversations should be done in person while you’re getting to know each other.

Facebook: Friend him after two dates (after all, you’d be creeped out if he friended you the minute he got home from your first date). But don’t post on his wall until you’re in a few of his photos.

Tweet: Follow him, tweet at him, or reply to something funny he says after a few dates. Interacting on Twitter is less of a big deal than Facebook (and you can probably see his tweets without following him too).

The Rule: Don t have sex on the first date.

Bend It: Have sex when you both want the same thing from the relationship.

There is a reason for the no-sex-on-the-first-date rule, but it’s not to protect your chastity. Delaying sex gives you time to figure out if you’re both looking for the same type of relationship before you wind up physically entangled.

But it’s your brain and not a seemingly arbitrary date number that’s the best guide. A University of Iowa study found that a horizontal evening early on in a relationship doesn’t doom it, as long as both of you are looking for more than a FWB. (Likewise, if what you both want is a regular booty call, then by all means, get it on.)

The Rule: Never date a coworker.

Bend It: Date a coworker. at your own risk.

We get it: When you spend three-fourths of your life at work, your chances of meeting someone there just might be better than meeting him in the outside world. “Today, work and social lives blur together, so it’s less taboo to date in the office,” says Jeremy Nicholson, Ph.D. a psychologist who studies dating. (Proof: According to a Workplace Options survey, 84 percent of 18-to 29-year-olds say they would date a coworker; only 29 percent of 46-to 65-year-olds said the same.) Keep in mind that dating at work is one thing; running your own version of The Bachelorette is another. Also, check your company’s policies some don’t allow it.

The Rule: Living together before marriage is a good way to road-test the union.

Break It: If you want to get married, then shack up, but only if you’re engaged.

Even in the age of rampant shacking up, couples who lived together before marriage were more likely to divorce, but the research has changed. A study done at Bowling Green State University found that couples who lived together before marriage stayed married for as long as those who didn’t move in together before saying “I do.” Sociology professor and study coauthor Wendy Manning, Ph.D. says the key is not sliding into cohabitation. “Couples who have plans for marriage at the time they move in together usually end up being more successful,” she says. “But if neither of you wants to get married, that’s fine too. The important thing is that neither of you is disillusioned.”

The same is true of “stay over” relationships, where you spend most nights at one of your places (and keep items like a spare set of work clothes there) but haven’t officially moved in. You don’t want to think you’re doing so because it’s a stepping stone to a wedding, while he thinks it’s cool you have HBO.


6 Unspoken Rules Of Dating #college #dating


#rules of dating

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6 Unspoken Rules Of Dating

Dating is a complicated venture.

Much as we scoff at explicit dating rules — and with good reason — there’s a certain etiquette that comes with meeting new people in a romantic context. And often, it’s in everyone’s best interest to be aware of these things going into a date. Reddit user mertell asked users to share an “unspoken rule of dating” that no one wants to admit to, and people responded with a number of uncomfortable truths.

Here are six unspoken rules of the dating world:

1. Your standards shift based on how attracted you are to someone. Much as we would all like to think that a date’s looks don’t matter, they do (to an extent). Specifically, you’ll put up with more frustrating behavior from someone you are attracted to — physcially and otherwise — than someone you are not.

2. Dating success often comes down to dumb luck. As one user wrote: “A lot of people look at dating as a science. with calculations, and facts and figures. It’s not science, the probability of finding someone that is right for you bottles down a lot to luck and timing.” Timing really is everything.

3. Everybody “plays games,” whether it’s getting into a power struggle when the check comes or waiting to admit your feelings until the other person does first.

4. Dating will always suck at some point. Whether or not you’re happy being single, the process of dating is stressful and things rarely work out immediately. As one Redditor put it, it’s more than likely that you’ll encounter at least one of the following situations during the span of your dating life:

Falling hard for someone who doesn’t notice you, meeting someone wonderful who you click instantly with who is already taken, having someone lead you on only to use you for sex or attention with no intention of progressing the relationship the way you’d want to, investing in someone only to find out they’re a total asshole, having to reject someone who is a good person because there is no feelings on your part, being cheated on or getting dumped because your [partner] found someone they like better etc.

5. Race matters, particularly when online dating. Data from OKCupid has shown that a user’s race and the race of the people they are messaging affect the likelihood that he or she will receive a response. OKCupid specifically found that, compared to users of other races, black women write back most frequently and white men get the highest number of responses when they send messages.

6. Nobody is completely themselves on a first date. While it’s always best to be honest with a potential new partner, everyone has certain cards that they play close to the chest. Furthermore, being true to yourself doesn’t mean putting absolutely everything out there right away. As one user wrote, “You can be honest without giving a full 411 on every personal flaw you have. Being honest doesn’t mean reenacting your life story to everyone you meet.”

Also on HuffPost:

1. Don’t Talk Yourself Out Of What You Need

It’s too easy for us women to convince ourselves to settle for less. We’re so helpful and accommodating, so eager to please and afraid of rejection that we’re quick to give up the things we need, including when it comes to sex. What we need to see is that doing this will leave us chronically frustrated. While it’s true that every relationship requires a certain amount of compromise, going without the things that we really need just doesn’t work. We’ll end up unhappy in the relationship or resentful toward our partner. The bottom line is, we need to know what we can’t live without, sexually, and what we just can’t live with. We ignore these non-negotiables at the expense of a fulfilling sex life.

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6 Great Things About Dating Older Women #dating #for #singles


#dating older women

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6 Great Things About Dating Older Women

Thinking about dating older women? Well stop thinking and start doing it. Because there are a ton of fantastic advantages you can experience by dating older women. Don’t believe me? Here are just 6 (though there are many more) of the best things about dating older women.

  • Older women enjoy younger men

It’s pretty common for men to date younger women – which is exactly why dating older women is so enjoyable. It’s flattering for an older woman when a guy passes up on the younger girls in favor of her. This attention makes her feel sexy, and that feeling will instantly fuel your interactions with more passion and excitement.

Now while older women are often interested in (or at least open to) dating younger men, that doesn’t mean they’re interested in dating “boys”. They want strong, powerful men and you’ve got to show her you’re that kind of man – who just happens to be a bit younger. How do you do that? You can start with strong, confident body language and eye contact. Stand up straight and keep your movements controlled and purposeful (avoid fidgeting). When you make eye contact, show confidence by holding her gaze (let her look away first). This combination of confident body language and eye contact will get her to see that you’re the kind of powerful, self-assured man older women like.

  • Older women know what they want

Unlike a lot of younger women who are still exploring the dating world, older women have a much stronger idea of what they want. They’re less inclined to “play games” and more willing to go after exactly what it is they desire.

What this means is that you can be more direct and up-front with your own intentions and desires. For example, if there’s a lot of sexual tension and you want to bring her back to your place to get physical, you don’t need some cover like “let’s go back to my place and watch a movie”. She knows the real reason you’re inviting her over, and if she wants the same thing she won’t need an excuse to rationalize it.

  • Older women have more experience

Older women tend to have more experience in dating, relationships, and in the bedroom. So dating older women gives you a great opportunity to learn a thing or two in all these areas.

But in order to get to this point you’ve got to lead the way. If you want to see what she has to teach you in the bedroom for example, you can’t just sit back and wait for her to invite you to bed. You’ve got to take the lead and start building sexual tension. You can do this simply by using touch more and more during your interactions. When you touch her you build sexual tension, and when you pull your touch away that tension releases. If you continually build and release tension by making physical contact and then releasing that touch, it’ll strengthen the sexual intensity between you. It’ll just be a matter of time until things naturally spill over into the bedroom.

  • You gain a different perspective

If you’re used to dating younger women or women your age then dating women a few years older than you gives you a fantastic opportunity to grow. Relationships teach us a lot about ourselves so by dating a wide variety of women you open yourself up to learn more about who you are.

One of the best ways to learn and grow through a relationship comes through deep rapport. Rapport is essentially sharing your emotional world with one another. If you’re not sure how to do this, one method is to simply state how you feel right at the moment and let the girl know about the impact she has on you. For example, if you’re on a date and feel pressure to think of something interesting to say, then say something like “I feel like I need to come up with something clever to say…” Opening yourself up like this gives her a chance to feel closer to you and connect on a deeper level. It also helps her feel safe opening up, which is going to make the connection even stronger. As a result of this deeper connection you’ll be able to learn more about yourself, each other, and the nature of your relationship.

Women who have more life experience are going to be more emotionally mature. They’ve been through a lot more in their life so their going to be less reactive and have more control over their emotions and behaviors.

But don’t forget that just because older women are more mature doesn’t mean they don’t like having fun. The fact is the same playful, child-like banter that works with younger women is going to work with older women too. So if you’re chatting up an older woman, you may want to use a playful banter line like “this is never going to work out… you’re too young for me”. A line like that is great because not only does it get her laughing, but by joking about the age difference you show you’re not concerned about it. And if you’re not concerned about it, it’s easier for her to not worry about it either.

Older women are likely going to have different interests than their younger counterparts. The 22-year-old who goes clubbing every weekend is probably going to spend more nights in calmer environments (like a jazz bar, or home) by the time she hits 30. So if you’re interested in spending time in more low-key environments, then dating older women is a great way to go.

But even if you and the woman you’re dating don’t have the same taste in venues that can still be a good thing. After all some women may miss the wild party scene they were a part of when they were younger. So dating a younger guy is a great chance for her to reconnect with that lifestyle. You can be the guy who shakes up her new routine, and reminds her just how fun those other environments can be.

Dating tips and advice

For more tips and advice on dating women (be it older, younger, or women your age) click here .

First Impressions Mean Everything

First Impressions Mean Everything