FInding a Safe Dating Site
by: Leif Croonquist
Seems like everywhere we surf on the Internet nowadays we run across this little advertisement: ‘Free online personals’. They are everywhere, they are dating sites, and more are opening up shop every day.
Welcome to the newest internet gold rush. More and more people are signing up to these new and “free” dating sites. What they are really getting is a place on the web where they can post their profile and let strangers contact them. As more and more dating sites pile up on the web, more people are ending up with very distasteful experiences because of this. Why? 99% of today’s (and tomorrow’s) dating sites do not screen their members at all. This means there are sex offenders, predators, scam artists mixed in with genuine people who are looking to find a match. Dating services need to be very discretionary and much safer, until that time comes here are some important things to consider when thinking about joining a dating site.
1). Examine the site’s physical properties. Is it poorly constructed with missing graphics or jagged fonts, mis-aligned sections? If so, this indicates a lack of attention to detail in the construction and layout of the site. It may have been pre purchased and the owner does not have the skill to alter it correctly. Why would you care? Well, a site in a state like this gives a clue that the back end program probably is also in a state of disarray or disregard. If the webmaster cannot construct the face of the site, then it is likely they cannot also construct important safety features behind the site. A hacker then could easily penetrate it and get your personal information including your photo. If you eventually pay this site, your credit information could be stolen as well! A nicely designed site means careful construction and a better chance of good quality code running the site in the background.
2). Look at some sample profiles on the site before you sign up by running a quick search. Do the profiles look a little bogus? A lot of them are. Many sites (especially new ones that have just started up) pad their membership database with photos of models or random (usually good-looking people) to attract new members. Do the profiles have a lot of jibberish characters or nonsensical phrases in the descriptions? That means the dating site you are at does NOT screen the people who sign up. This welcomes people with ill-intent. You should get out of there immediately and go to one that does.
3). Does the site have a privacy link? Look at the bottom of the site’s main page. If they have a privacy link, click it and examine. Make sure they specifically state that they do NOT sell your information to anyone. This is an invitation to a spam and junk-mail nightmare. Also look for some sort of a web site rules page or a terms of use page. Check to see if they screen their profiles or somehow disallow racial, hate or overly sexual material. If they don’t state this than, anything goes for this site, another reason to leave.
4). Does the site have a links page? If so click and examine. See who they are affiliated with. Usually, there will be graphical banners or icons next to the names of their associations. Are they sex-sites? Spam sites? Even a quick glance in this area could tell you what kind of a dating site you are at.
5). What is the copyright date at the bottom? This could indicate the age of the site. If it is very young, this could help you determine if the site has worked out all the kinks (program bugs) and how many members they have accumulated.
6). Be wary of statements like “You are the 4697th member to join today.” and “Search through millions of profiles.” these statements are usually false. Major sites, which have been running for YEARS usually can support these statements. look for a “whos online” link. If you are the only person (1 guest online means JUST you are there) then you know these claims are false. A site with millions or even thousands of members will always have a bunch of people currently online. If you detect this in a dating site, it is better to leave than to take a chance with a dishonest site.
This is just a short list of ideas to help keep you safe when dating online. Be leary, be safe. More information can be found at www.cupidsblackbook.com.
About The Author
Leif Croonquist is 34 year old writer from Portland, Oregon. He currently writes for www.cupidsblackbook.com.
If you’ve been keeping up with my blog posts lately you’ll know I’ve come to adding a few news posts from around the web on this subject. I’ve got a couple more today that are new and updated, so let me know what you think of em…
National Flood Insurance Program (NFIP) has lapsed – Only private flood …
If you are looking for a home to purchase, be sure to have your real estate agent verify if the property is located in a flood zone before you make an offer … Read More…
Hayden Island condo developer Salpare Bay files for bankruptcy, avoids auction
Salpare Bay, like dozens of other Portland area developments, got squeezed by a lack of financing when the real estate boom came to a screeching halt in … Read More…
Great Portland Portfolio Gains; Unveils Purchases
Great Portland, which already owns about GBP1.1 billion of real estate in central London and has worked with joint-venture partners in the past, … Read More…
That’s all the news for today guys, so until next time, thanks for stopping by.
Portland Home Loans- Jumbo Loans
Good day friends, and TODAY WILL SOMEONE PLEASE do something about the Portland home jumbo loan market?
The jumbo real estate loan market is defined as a loan on a single family residence where the loan is above $417,000. These loans are all but dead around the country, and if something doesn’t change soon… the economists, mortgage bankers and real estate professionals say it will have a significant impact on the entire housing industry and overall economy.
More than four months after the Obama administration launched its housing rescue plan, most lenders are still focused on re-writing mortgage loans to make them more affordable or refinancing conforming loans (Under 417k) to a better rate.
However, one demographic is being largely ignored by the administration, bankers and wall street: homeowners with higher loan balances. Jumbo Loans!
They don’t qualify for mortgage modifications under the housing rescue plan. They can’t get today’s low interest rates if they try to refinance, and to add insult to injury with the newly “cautious lenders” extra careful about who they lend to, just try to sell a home that costs $500,000 to $900,000 or more these days.
In many cases, finding a buyer in the Portland home loan jumbo market takes far longer than for lower-price homes, because banks want as much as 30% down and six months of mortgage payments in reserve. Yes, I agree there were those who took out Jumbo loans over the last few years that couldn’t afford them. When credit was very loose, the borrower just had to state their income without proving it. That is a big reason we are here today, but those folks are all but gone from the landscape through foreclosure and who is left ? The responsible ones that actually make enough money and did qualify for a larger loan but now are stuck at a high rate.
The Portland home loan market was flooded with higher jumbo loans a few years ago due to the rapidly raising home prices. Borrowers who wanted the 3000 sq ft granite counter tops had to pay upwards of 450k to 900k. The availability of these loans in the market was so plentiful that a lot of people took advantage of them and are now in an tough situation.
Nationally- troubled jumbo home loans in 370 metro areas are just now being felt. The result is a housing market in which sales and purchases of higher-price homes
1000
have come almost to a standstill, and it’s a predicament that could undermine the housing recovery. Move-up buyers (homeowners who want to buy larger, pricier homes) are getting locked out by lack of financing. Too many unsold homes in the top tier of the market also can push down prices for homes in the mid price range. The domino effect slows down every price point.
We need to have a market recovery in all segments of the Portland home loan market. If the high-end market continues to weaken, those in the middle market have to reduce prices.
It is time for the banks to wake up and realize that most of the Portland jumbo home loan borrowers are very creditworthy with high credit scores, good income and plenty of assets based on responsibility of saving. Let’s actually give the responsible ones a break for once in this mortgage crisis.
Until next time,
Scott
By: MR LOAN GUY
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