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Nashville Personal Injury Lawyers

The Higgins Law Firm fights relentlessly for the justice their clients deserve, no matter how complex the case or how high the stakes.

Are you looking for the right Nashville personal injury lawyer? Whether you have a case involving an auto accident. nursing home abuse. workplace injury, drug company that did you harm or the lack of adequate security against crime, the law offices of The Higgins Firm have the staff, legal resources, and experience to take on even the most serious of cases anywhere in Tennessee or throughout the country. Let the Higgins Law Firm’s national reputation and decades of experience work for you.

About the FirmThe Higgins Firm was established by Jim Higgins

Mr. Higgins began his career in Nashville representing insurance companies and large corporations in serious injury cases. This included defense of serious car accident lawsuits. catastrophic personal injury cases, workers compensation cases, trucking accidents and wrongful death claims. Now Mr. Higgins and his only firm represent victims in serious injury and employment law cases. To best serve our clients, the firm is broken down into specific litigation divisions that focus on particular types of cases.

These teams include lawyers and staff that focus on nursing home neglect claims. medical malpractice claims, workers compensation, automobile accidents, product liability, probate law and employment law cases. By having a legal team that focuses on particular areas of the law, the client can be better served and given every possible advantage when presenting their claim in court.

In addition to a focused legal team, The Higgins Firm has the resources and experience to pursue complicated and high stakes litigation. Over the years, The Higgins Firm has created relationships with experts all over the country in a variety of different fields.

These experts include vocational disability experts, physicians, defective product experts, construction site experts, economists and animation experts for trial. In order to obtain the maximum results for their clients, it is often necessary to assemble an extensive team of lawyers, staff and experts. This team approach allows a comprehensive, focused strategy as we work together throughout the case in order to present to the judge or jury a true picture of our client’s losses and the defendant’s wrongful acts.

The Higgins Firm has obtained millions of dollars in verdicts and settlements for their clients. In recognition of the firm s success, Jim Higgins is a member of the Million Dollar Advocate forum and The National Top 100 Trial Lawyers. We limit our cases to those with significant damages because we want the courts and insurance companies to know that if our firm is involved in a case then the matter needs to be taken seriously. We believe by earning a reputation as a law firm that handles only catastrophic cases all of our clients will benefit and be taken more seriously.

Most of our clients have never hired a lawyer before they retain our firm and they are not the kind of people that take filing a lawsuit lightly. As such, our Nashville personal injury lawyers understand that it is important that our firm maintain the respect of everyone in the legal community. We realize that our representation is important to our clients and we do not take the trust they have placed in us for granted. As such, we do not take frivolous cases in hopes of a quick settlement.

A large portion of our cases come from other lawyers and former clients. We believe this is a reflection of the results we have obtained over the years. If you are a lawyer and have a case that is outside your practice field, please feel free to contact us to see how The Higgins Firm can help you and your client.

Judge Bill Higgins Public Service Scholarship

The Higgins Firm is proud to announce the creation of the Judge Bill Higgins Public Service Scholarship for a student who possesses an interest in public service. To learn more about the requirements or how to apply, visit our scholarship page here.

“I’ve used lots of local attorneys. Mr. Higgins was quite different, his attention to detail and prompt follow up clearly showed me that all of his clients are important, big and small! Not to mention he won my case.”

G. Chad Baker – Client

  • Mr. Higgins really knew his stuff, and He was always quick to handle any of my concerns. If your seeking fast acting knowledgeable representation look no further. Call The Higgins Firm today!
  • Jim made a unsure situation comfortable. He always returned calls, answered all questions no matter how dumb. It turnefd out, the last half to be an enjoyable experience. I would highly reccommend Jim to all I know.
  • Go to Testimonials


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    Life Insurance-Ottawa.ca

    Why we are different and better

    We represent a wide range of companies that specialize in insuring people with different “risks”. If you’re a pilot, diabetic or scuba diver, for instance, we’ve got you covered. As a result, the companies we represent are often able to insure Ottawa residents who could not get term insurance other places.

    No one else has our experience in finding your “best buy” from the insurance companies that we represent or in making the entire buying process customer friendly. That’s why we are by far the most experienced independent brokers for Mortgage Protection and Term Life Insurance in Ottawa, Ontario, Canada.

    Experienced

    Licensed Life Insurance Broker and CFP since 2007.

    Customer Service

    Recommendations are always in your best interest period. Our priority is to make sure your family is properly protected and be in the best financial position possible.

    Transperancy

    We take the time to clearly explain the recommendations so you can make an informed decision.

    Independent Broker

    We find the products and services that meet or exceed your needs at the lowest cost. There is no conflict of interest or company bias with our recommendations.

    Advice you can trust

    In the event of your death, improper financial planning could result in your family being faced with economic hardship, debts struggles and an inadequate income. We offer strong, reliable and affordable ways to protect your family’s financial well-being after you’re gone.

    We’re committed to helping Ottawa families prepare for the future. Our trustworthy life insurance specialists can help you achieve financial protection with reliable, secure, and affordable insurance planning and policy structuring that works for you. If you have further questions, don’t hesitate to contact us immediately – we’re here to help.

    Ottawa No Medical Life Insurance Quotes – Free online instant Ottawa no medical life insurance quotes from Life Insurance-Ottawa.ca, a life insurance broker licenced in Ontario, your online source for the best accurate, competitive and affordable life insurance rates in Ottawa, Ontario and surrounding areas

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    Our business model is built on providing fast life insurance quotes and utilizing technology to get policies issued & delivered quickly.

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    Online and Mobile Banking #online #banking #with #no #opening #deposit


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    Banking options for your busy lifestyle

    Access your account anytime, anywhere with RBFCU s online and mobile banking services. To access your account, go to the home page. and enter your username and password to log in.

    Logging in for the first time? Enter the username or member number provided during the account opening process and your temporary password.

    In addition to online and mobile account access, RBFCU also offers services that make it easier for you to deposit checks, review statements, pay bills and more.

    Stay up-to-date on account information

    Monitor your account and transactions with customized email and text alerts.

    • Receive alerts by text or email
    • Schedule alerts for loan payments, deposits, balance thresholds and more
    • Add or adjust alerts as often as you like to monitor your account thoroughly

    To set up alerts: Access your online account, select My Profile at the top right of your account homepage, click Member Services, then select the option to enable/update alerts.

    Pay your bills on the go

    Instead of logging in to multiple sites or paying for stamps to send by mail, you can make the process easier with our online and mobile bill pay options.

    • Free online and mobile bill pay
    • Same Day payment options for selected billers

    To enroll in bill pay: Log in to your online banking account, select the Payments ePay tab, then use the enroll link located in the ePay box.

    Make deposits from your device

    Deposit checks remotely from a mobile phone or tablet, a scanner or a digital camera. Make deposits anywhere and save time instead of visiting a branch.

    • Take photos and submit your check all in one step
    • Deposit through the RBFCU Mobile application to save time and trips to the branch

    To use online deposits: Access your online account, select the I want to drop-down menu, then click on eDeposits.

    Receive your statements online

    Make viewing your monthly or quarterly statements easier and more environmentally-friendly by maintaining your statements within your online account.

    • Review past statements all in one place
    • Decrease clutter and protect your information

    To enroll in online statements: Access your online account, then select Statements and choose to Enroll in eDocuments.

    FAQs

    Log into your online banking account. then choose My Profile. Select Manage eAlerts from the subsequent menu. From there, you ll have the option to edit any alerts you currently have on your accounts.

    To enroll in electronic bill pay service, access your online banking account and click the Payments ePay tab. Choose the Enroll link located in the ePay box.

    No, it is a free service.

    To enroll in RBFCU online statements:

    On the eDocuments Preference page you will see a listing of documents associated with eDocuments, including online statements. Once you accept the service terms and conditions and are enrolled, an email notification will inform you when statements or documents are available to view.

    Members must have their savings or checking account open for a minimum of 60 days and not have any derogatory information on their account (e.g. delinquent payments) to be eligible for mobile deposits. Members who meet the product requirements will have Make eDeposit in the I want to drop-down menu on the Account Summary page. Members can also see if they qualify by going to their My Profile link in the top right corner of the page. There members will select the Member Services link. Under the eDeposits section, members will see whether or not they are eligible to make deposits online.

    With high-value products and services, Randolph-Brooks Federal Credit Union (RBFCU) is a trusted financial partner for thousands of members in Texas, as well as around the world. RBFCU offers all the banking services you would expect from a leading credit union, and we’ve also made it our mission to help improve our members’ economic well-being and quality of life. Our commitment to personalized service makes RBFCU membership the smarter banking choice.

    Any alternate website that you visit by a link from RBFCU’s website is solely the responsibility of that entity. Third-party links accessed from this site are provided for the convenience of RBFCU members. RBFCU is not responsible for the content of the alternate web site and does not represent either the third party or the member if the two enter into a transaction. Privacy and security policies on the third-party site may differ from those practiced by RBFCU.

    Contact us today or stop by a local branch to find out how you can become a member.

    Federally Insured by NCUA. Equal Housing Lender.

    Randolph-Brooks Federal Credit Union 2017.


    Alcohol center #alcohol, #drinking, #booze, #keg, #beer, #liquor, #drugs, #alcoholic, #drinking #problem, #pressure #to #drink, #peer #pressure, #drunk, #intoxication, #intoxicated, #alcohol #poisoning, #legal #drinking #age, #alcoholics #anonymous, #support #groups, #hotlines, #hangover, #my #parents #don’t #want #me #to #drink, #why #teens #drink, #no #inhibitions, #blackouts, #i #can’t #control #my #drinking


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    Alcohol

    Getting the Facts

    Just about everyone knows that the legal drinking age throughout the United States is 21. But according to the National Center on Addiction and Substance Abuse, almost 80% of high school students have tried alcohol.

    Deciding whether to drink is a personal decision that we each eventually have to make. This article provides some information on alcohol, including how it affects your body, so you can make an educated choice.

    What Is Alcohol?

    Alcohol is created when grains, fruits, or vegetables are fermented. Fermentation is a process that uses yeast or bacteria to change the sugars in the food into alcohol. Fermentation is used to produce many necessary items everything from cheese to medications. Alcohol has different forms and can be used as a cleaner, an antiseptic, or a sedative.

    So if alcohol is a natural product, why do teens need to be concerned about drinking it? When people drink alcohol, it’s absorbed into their bloodstream. From there, it affects the central nervous system (the brain and spinal cord), which controls virtually all body functions. Because experts now know that the human brain is still developing during our teens, scientists are researching the effects drinking alcohol can have on the teen brain.

    How Does It Affect the Body?

    Alcohol is a depressant. which means it slows the function of the central nervous system. Alcohol actually blocks some of the messages trying to get to the brain. This alters a person’s perceptions, emotions, movement, vision, and hearing.

    In very small amounts, alcohol can help a person feel more relaxed or less anxious. More alcohol causes greater changes in the brain, resulting in intoxication. People who have overused alcohol may stagger, lose their coordination, and slur their speech. They will probably be confused and disoriented. Depending on the person, intoxication can make someone very friendly and talkative or very aggressive and angry. Reaction times are slowed dramatically which is why people are told not to drink and drive. People who are intoxicated may think they’re moving properly when they’re not. They may act totally out of character.

    When large amounts of alcohol are consumed in a short period of time, alcohol poisoning can result. Alcohol poisoning is exactly what it sounds like the body has become poisoned by large amounts of alcohol. Violent vomiting is usually the first symptom of alcohol poisoning. Extreme sleepiness, unconsciousness, difficulty breathing, dangerously low blood sugar, seizures, and even death may result.

    Why Do Teens Drink?

    Experimentation with alcohol during the teen years is common. Some reasons that teens use alcohol and other drugs are:

    • curiosity
    • to feel good, reduce stress, and relax
    • to fit in
    • to feel older

    From a very young age, kids see advertising messages showing beautiful people enjoying life and alcohol. And because many parents and other adults use alcohol socially having beer or wine with dinner, for example alcohol seems harmless to many teens.

    Why Shouldn’t I Drink?

    Although it’s illegal to buy alcohol in the United States until the age of 21, most teens can get access to it. It’s therefore up to you to make a decision about drinking. In addition to the possibility of becoming addicted, there are some downsides to drinking:

    The punishment is severe. Teens who drink put themselves at risk for obvious problems with the law (it’s illegal; you can get arrested). Teens who drink are also more likely to get into fights and commit crimes than those who don’t.

    People who drink regularly also often have problems with school. Drinking can damage a student’s ability to study well and get decent grades, as well as affect sports performance (the coordination thing).

    You can look really stupid. The impression is that drinking is cool, but the nervous system changes that come from drinking alcohol can make people do stupid or embarrassing things, like throwing up or peeing on themselves. Drinking also gives people bad breath, and no one enjoys a hangover.

    Alcohol puts your health at risk. Teens who drink are more likely to be sexually active and to have unsafe, unprotected sex. Resulting pregnancies and sexually transmitted diseases can change or even end lives. The risk of injuring yourself, maybe even fatally, is higher when you’re under the influence, too. One half of all drowning deaths among teen guys are related to alcohol use. Use of alcohol greatly increases the chance that a teen will be involved in a car crash, homicide, or suicide.

    Teen drinkers are more likely to get fat or have health problems, too. One study by the University of Washington found that people who regularly had five or more drinks in a row starting at age 13 were much more likely to be overweight or have high blood pressure by age 24 than their nondrinking peers. People who continue drinking heavily well into adulthood risk damaging their organs, such as the liver, heart, and brain.

    How Can I Avoid Drinking?

    If all your friends drink and you don’t want to, it can be hard to say “no, thanks.” No one wants to risk feeling rejected or left out. Different strategies for turning down alcohol work for different people. Some people find it helps to say no without giving an explanation, others think offering their reasons works better (“I’m not into drinking,” “I have a game tomorrow,” or “my uncle died from drinking,” for example).

    If saying no to alcohol makes you feel uncomfortable in front of people you know, blame your parents or another adult for your refusal. Saying, “My parents are coming to pick me up soon,” “I already got in major trouble for drinking once, I can’t do it again,” or “my coach would kill me,” can make saying no a bit easier for some.

    If you’re going to a party and you know there will be alcohol, plan your strategy in advance. You and a friend can develop a signal for when it’s time to leave, for example. You can also make sure that you have plans to do something besides just hanging out in someone’s basement drinking beer all night. Plan a trip to the movies, the mall, a concert, or a sports event. You might also organize your friends into a volleyball, bowling, or softball team any activity that gets you moving.

    Girls or guys who have strong self-esteem are less likely to become problem drinkers than people with low self-esteem.

    Where Can I Get Help?

    If you think you have a drinking problem, get help as soon as possible. The best approach is to talk to an adult you trust. If you can’t approach your parents, talk to your doctor, school counselor, clergy member, aunt, or uncle. It can be hard for some people to talk to adults about these issues, but a supportive person in a position to help can refer students to a drug and alcohol counselor for evaluation and treatment.

    In some states, this treatment is completely confidential. After assessing a teen’s problem, a counselor may recommend a brief stay in rehab or outpatient treatment. These treatment centers help a person gradually overcome the physical and psychological dependence on alcohol.

    What If I’m Concerned About Someone Else’s Drinking?

    Sometimes people live in homes where a parent or other family member drinks too much. This may make you angry, scared, and depressed. Many people can’t control their drinking without help. This doesn’t mean that they love or care about you any less. Alcoholism is an illness that needs to be treated just like other illnesses.

    People with drinking problems can’t stop drinking until they are ready to admit they have a problem and get help. This can leave family members and loved ones feeling helpless. The good news is there are many places to turn for help: a supportive adult, such as your guidance counselor, or a relative or older sibling will understand what you’re going through. Also, professional organizations like Alateen can help.

    If you have a friend whose drinking concerns you, make sure he or she stays safe. Don’t let your friend drink and drive, for example. If you can, try to keep friends who have been drinking from doing anything dangerous, such as trying to walk home at night alone or starting a fight. And protect yourself, too. Don’t get in a car with someone who’s been drinking, even if that person is your ride home. Ask a sober adult to drive you instead or call a cab.

    Everyone makes decisions about whether to drink and how much even adults. It’s possible to enjoy a party or other event just as much, if not more so, when you don’t drink. And with your central nervous system working as it’s supposed to, you’ll remember more about the great time you had!

    Date reviewed: September 2016


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    Date and chat with singles

    Everybody knows about online matchmakers and much people have had a date themselves. Internet dating is not a taboo anymore these days, a date website is one of the best ways to meet a partner online. Why? Because it simply works. Because of using profiles you know what a single man or single woman wants. It’s very easy to sent a message and start communicating with each other. Sending mails, chatting and webcamming you wil notice if you can get along with that person who you are trying to get to know.

    Create a profile with many photos

    The first thing you need to do is to create a profile with your definition about dating, personality and what you seek. Of course you will need to add good photos, at least a few! Don’t look cantankerous on the pictures, but smile. You need to sell yourself on some kind of way, showing yourself is absolutely the best way on a new or popular website! Also try to describe youself on a positive way and tell what you do in real life and what you seek. People who tell much about themselves also have more chance to meet someone with the same hobbies and way of life.

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    Buying Term Life Insurance with No Medical Exam

    Buying term life insurance with no medical exam is an attractive option for people who don’t want to go through the time-consuming hassle of getting checked out by an unfamiliar health care professional. (Most insurance companies do not accept a medical exam from your primary physician.)

    Others seek out term life insurance without a medical exam requirement because they know they’re not in the best of health and may end up paying a higher rate as a consequence of the medical report. But this route isn’t for everybody and will even limit your life insurance options.

    So, with this in mind, here’s what you need to know about buying term life insurance with no medical exam and whether it’s right for you.

    How to qualify for term life insurance with no medical exam

    First, you need to know that if you buy term life insurance without a medical exam –commonly known as guaranteed issue life insurance –you will have limits on the death benefit offered in the policy.

    Many companies put a $100,000 or $250,000 cap on life insurance policies issued without a medical exam. Moreover, the shorter the term of your life insurance policy, the better the odds that can get away without taking one of these exams.

    Needless to say, insurance companies don’t really care much about your risk of getting lung cancer when you’re 55, if your term life insurance policy expires when you’re 45.

    Term life insurance: No medical exam

    Buying term life insurance with no medical exam can sound like a great idea, but if you’re not careful it can easily backfire. Many insurance companies will offer life insurance policies without a medical exam if you at least fill out a medical history form.

    If your family has a history of heart disease, but you’ve done cardio-exercises religiously for ten years, a medical history will raise red flags that a healthy medical exam report might mitigate somewhat. Likewise, many people who seek life insurance policies without a medical exam, know that they’re not in the best of health, and insurance companies aren’t exactly ignorant of the trend, either.

    By forgoing a medical exam as a healthy adult, you could be costing yourself a good chunk of money with higher premium rates.

    Term life insurance: No health questions

    Some insurance companies truly take the hassle out of buying term life insurance by allowing you to skip the medical exam and asking no health questions. Other companies dispatch with a formal medical history but still ask a few basic questions, such as any pre-existing major illnesses and relatives with a history of cancer or heart disease.

    Even these questions will only a minimal effect on your rates, given low benefit coverage and a short term length. Beware, however, that there are potential drawbacks to opting out of either the medical exam or a more detailed medical history. Once your term life insurance policy expires, you may not be able to renew the policy if a major medical condition has presented itself in the meantime.

    To avoid this problem, you can choose a term life insurance with an automatic renewal option, but these policies usually require a medical exam.

    Advice for life insurance medical exams

    First, if you don’t have any spare time, it’s worth noting that most insurance companies are willing to send their paramedics to your home to conduct the medical exam. That said, if you decide it’s best to go ahead and take the medical exam, there are several things you can and should do to get the best results possible.

    Focus on eating a healthy diet the week before the exam, paying particular attention to eliminate salt and fatty foods. Three days ahead of the exam, cut out alcoholic beverages and nonessential medications that can elevate liver enzymes.

    The day before, completely eliminate stimulants as the will elevate blood pressure.

    And, as counterintuitive as it seems, refrain from strenuous activities the day before the exam to avoid elevating proteins in the urine. This may sound like cheating to some, but you better believe your life insurance company will peruse the medical report to identify any areas of elevated risk that you present. Every little bit helps.

    Finding online quotes for term life insurance

    No matter what choice you make or policy you need, finding quotes for term life insurance is the easy part. Simply fill out a brief online form, and we’ll start matching you with the insurance companies in your area that best fit your insurance needs.

    Buying term life insurance is a hassle in the best of circumstances, and, at NetQuote. we try to minimize this hassle by affording you the opportunity to review reliable quotes from several different companies from the comfort of your own home.


    Does online dating work? Let – s be honest: We have no idea #dating #websites


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    Does online dating work? Let s be honest: We have no idea.

    Does online dating actually work?

    It’s a simple question and a common one — one whose answer could determine the fates of both a multi-billion dollar industry and millions of lonely hearts. It’s a question that seems distinctly answerable: we have user data, surveys, clear metrics for success or failure, entire books full of colorful charts.

    And yet, just this week, a new analysis from Michigan State University found that online dating leads to fewer committed relationships than offline dating does — that it doesn’t work, in other words. That, in the words of its own author, contradicts a pile of studies that have come before it. In fact, this latest proclamation on the state of modern love joins a 2010 study that found more couples meet online than at schools, bars or parties. And a 2012 study that found dating site algorithms aren’t effective. And a 2013 paper that suggested Internet access is boosting marriage rates. Plus a whole host of dubious statistics, surveys and case studies from dating giants like eHarmony and Match.com, who claim — insist. even. — that online dating “works.”

    This much should be obvious: We don’t actually know.

    Some of the reasons for that ambiguity are clear in this latest study. For starters, there’s this greater cultural issue of how we define relationship success: Is it marriage? Is it monogamy, a la Patti Stanger? Is it what OkCupid’s data team calls a “fourway” — four messages back and forth between two semi-interested parties? That’s a tough one to parse, and different studies have defined it different ways. (This one, for the record, looked at marriages and other long-term relationships; if you’re not looking to tie the knot, its conclusions aren’t for you.)

    Then there’s a sort of secondary issue in how we define a site’s actual function, because despite the marketing hype, that isn’t clear. Most paid sites claim, for instance, that it’s their highly scientific matching algorithms that lead people to serious relationships; in his 2013 book on the subject. however, the journalist Dan Slater concludes that most of those claims are bunk. (“Everyone knows that all personality profiling is bull****,” a former Match executive told him. “As a marketing hook, it works great.”)

    In reality, dating sites are most effective as a kind of virtual town square — a place where random people whose paths wouldn’t otherwise cross bump into each other and start talking. That’s not much different from your neighborhood bar, except in its scale, ease of use and demographics. But in terms of actual function, the things we think of as uniquely “online” in online dating — the algorithms, the personality profiles, the “29 dimensions of compatibility” — don’t appear to make too much of a difference in how the enterprise “works.”

    Meanwhile, all this is happening during a time of enormous revolution in the way we conceive of relationships and commitment. A record number of Americans have never been married. and only a scant majority — 53 percent — want to be. Americans get married later every year, if they choose to get married at all. Women habitually stay single into their 30s and 40s, a tidal shift in how they viewed commitment even one or two generations ago. And while reliable data on sexual partners is hard to come by, there’s some suggestion that modern singles get around more than they used to.

    Surely online dating has fed this trend in part, providing the constant buffet of alternative options that sociologists say plays a large part in determining whether a relationship fails; but at the same time, apps like Tinder could never have caught on if people weren’t already approaching sex and dating more casually. It’s a bit of a chicken-or-egg problem: maybe online dating has made us more cavalier, or maybe our growing casualness fed online dating, or maybe these things both exist together in a miasma of hook-ups and right-swipes and shifting social standards.

    “On Tinder everything’s disposable, there’s always more, you move on fast,” one Tinder-user told the Guardian Monday. explaining how the app had single-handedly transformed her from a serial monogamist to a hook-up artiste. And yet, by the end of the interview, she’s off Tinder and in a relationship with a guy she met on the app. Who really had the agency there: the dating app, or the dater?

    It’s a question that applies equally well to offline dating, too: When a relationship fails, what or who is ultimately responsible? The place where the couple met? The length of time they took getting to know each other? Or something squishier, something less precise — a factor not captured in charts and telephone surveys?

    After all, 2.1 million people get married in the U.S. every year, and half of those couples will divorce. If we parsed their fates according to the exact venue in which they met, or any other number of arbitrary factors, we would probably turn up the same kind of confusing, self-contradicting results that research into online dating perennially seems to.

    But those contradictions wouldn’t be blamed on the Internet — we’d credit the vagaries of the human heart. For some reason, no one’s content to see online dating that same way.


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    Online Dating Etiquette: Five Tips No One Will Tell You #date


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    Online Dating Etiquette: Five Tips No One Will Tell You

    Click here to watch the TEDTalk that inspired this post.

    When I saw that Gary had called, I was thrilled. Since going on one Match.com date, I’d awaited his missives. Usually, these were sporadic and at odd hours. I should have stopped responding, but I was physically attracted to him⎯something that didn’t happen often. With heart palpitating, I played his voicemail message. It said: “Do you want to go to lunch and a movie tomorrow? My mother’s in town. She’ll pay.”

    Watching Amy Webb’s TED talk (in which she details her online dating frustrations⎯until she got all her algorithms right), I was reminded of my own internet adventures before finally meeting my husband on Match in 2006. Prior to that, I spent five years having odd, incomprehensible, maddening, and deeply disheartening encounters like the one with Gary. I’d like to blame this on a bunch of assholes, but that’s not the case. Aside from Gary (including him?), I mostly met good guys who acted badly. Sometimes I’d get an email from someone who was exasperated by my own flaky behavior. Apparently, I was just as careless! With no agreed-upon etiquette, all of us did what we could get away with, or we emulated others. If my loved ones currently in the digital dating world are any measure, things have gotten no better since I took myself off these sites. To help my friends, and anyone else, I’ve come up with a handful of tips regarding web romance decorum. Is my advice subjective? Sure. But in doing research for a book on sex, I’ve also learned a lot about the mating habits of our species. Another inspiration for these recommendations is the way I was courted by my husband, which was exemplary. Then again, he teaches ethics.

    1. Be Credit Card Sexy

    I think we can agree that the person paying on a date should not be your mother. But if not her, who? Should it be one individual, or do you go Dutch? My opinion is this: If a same-sex couple is meeting for the first time, one of you should assume full financial responsibility. In similar hetero situations, the man should pay. “What?” say my female sisters. To them I reply, “If you’re offended by this old-fashioned custom, then don’t be shy about whipping out your wallet instead.” In truth, it doesn’t matter who forks over the cash as long as someone does it⎯fully. Tip and all. Taking someone out, being taken out. a rendezvous like this is sexy. Calculating debt based on who had caramel in their frappuccino is not. It’s a sex repellent. Mating is delicate business. There’s a reason horny manakin birds do a moon dance and hippos spray their lovers with wet feces. Rituals matter. Be happy you’re not one of those female mites who kills her mother and brother while breeding. You’ll need no such fortitude. Just an unexpired Visa.

    Recently, a friend had a five-hour date with a woman he’d met on J-Date. They laughed and talked their heads off. Afterward, she wouldn’t return his calls. “What happened?” he asked me. Truthfully, I have no idea why this woman dumped my buddy. I’d venture to say⎯barring a nasty diagnosis or a death in her immediate family⎯she wasn’t attracted, even though she liked him. A lot. In other words, she was either avoiding an act of rejection, or she was using him for his brain. If you don’t want hot monkey love with a particular human, you need to communicate that. ASAP. I mean, now.

    3. Get Your All Your Duck Fetishes in a Row

    “I hurt myself last night, but I can’t say what I did,” confessed one potential paramour over Pad Thai. I was blindsided. We’d been hanging out for six weeks, and I thought there was potential. Now I was being tested on a subject I knew nothing about. I’m really vanilla (not into fetishes or scenes). If you don’t want someone like me, please let your freak flag fly right away. That way both of us can cut our losses and move on.

    Lately a buddy told me that 70% of the men she meets online yap the entire time they’re together, never attaining even basic information about her. This habit, I imagine, is due to social anxiety, narcissism, or some combination. I throw no stones. If you think you might be a Chatty Cathy or Charlie, here’s a test: Do you love the interplay of bass and treble in your own voice? Does silence freak you out more than cancer? Did you raise your hand in third grade even before the teacher asked anything? If you answered yes to any of these, you might need a list of polite questions you can bring along on your dates. Then dare yourself to get though them all before coffee stains become visible in the cup.

    5. Be Exactly Who You are, Though This Means You’ll Get Rejected

    After a slew of emails, Chris and I agreed to meet in front of a museum. Approaching in the bright orange jacket I’d “borrowed” from a costume shop, I sported a hippy-fringe purse. But something was off. Chris felt it too, awkwardly standing there in his loafers, pressed slacks, and white oxford. At first I thought we both had on the wrong outfits. Then I realized we were the wrong person⎯for each other. We never saw each other again. This taught me that the more you express your true nature, the greater the risk someone will reject you. We all need to take that chance. If etiquette is a form of civility, the first one we should extend this to is ourselves. I tried to be myself on that first date with my husband, wearing my favorite summer outfit, cat-eye glasses and all. He was reading a French-African play⎯upside down (meant as an obscure joke). Throughout our relationship, I’ve learned a lot about setting boundaries and being more verbal when it comes to my needs. A main reason our marriage works is because we are so mindful when it comes to courtesy and respect. Though it’s not always easy.

    I’m probably not the only person with tips about improved online dating behavior. We all have this knowledge when we remember that in the pursuit of love, caring should be part of the equation.