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    Right, now let's get onto those essential, top tips. Engage with the person you're interested in over a good month or two before arranging a meet.

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    This gives you time to be confident that they are who they say they are. Never send money to someone you have never met, no matter the excuse they give. There are scammers in every country, and Thailand is no exception. How to Avoid Bargirls on Thai Dating Sites Like any other single woman, many bar girls — both those having sex for money and those solely working in the entertainment industry as a dancer or hostess — are looking for a partner.

    Be aware that many of these girls are serial daters, and probably have a man in every port, so to speak. Such women are also likely to have children from previous relationships. Start off on the right foot and seek a woman that shares your interests, values and intentions. Though you could check out the last recommendation in my list below.

    That said, these experiences will vary by site, as you can find out in the reviews below. Operated by Cupidmedia, a company that owns many other dating sites in a broad range of ethnic niches, TC is probably the most well known dating site for foreign men seeking Thai women. If you want a broad selection of genuine women with a decent job, years old, this site is a good place to begin. On my most recent sign-in I found 2, people online, and over 1, active profiles for the aforementioned age group.

    Like all dating sites, functionality is restricted to the membership you have. Thai Cupid is free to join, but with free you can only send 1 message every 15 minutes and you won't be able to message all members some have restricted profiles that only paid members can view. This is a tad frustrating because you have to wait for the response too.

    But hey, it's free! Send a message, make a cup of tea. Free membership won't get you video chat either, which is a great feature to use once you've established a connection with someone. The better your membership level also determines how far up in the search results your profile will appear; so bear in mind that those extra few dollars can make a big difference to your success.

    This translates messages for both parties, preventing cross wires and assisting in breaking down the language barrier. For an extra few dollars I'd say it's worth it to be able to communicate face-to-face with a potential dream date!

    Click on the image above to visit the ThaiCupid website. The site is popular because it caters for a slightly different crowd to ThaiCupid. I always think approaching dating too seriously can land you in as much hot water as going in too loosely, so to speak. Searching around I got the distinct feeling a few of the profiles I saw were women playing away from home, which may well appeal to some.

    One potential downside, depending on your preference, is the prevalence of ladyboys using the site. It's a very active community and lots of fun. ThaiFriendly is free to register and there's no obligation for a paid membership. You can begin sending messages straight away, but bear in mind that to begin chatting on instant messenger and have live chats you'll need to upgrade. The pricing structure hasn't changed much in the last 5 years. If you are seeking to start a long-distance relationship, you might also do well to consider Asian Dating because you are location-independent, so to speak — you might meet an Asian lady in your home country, or a country other than Thailand.

    By nature, this makes AsianDating a place with a diverse membership and some fantastic single women to chat with. The membership pricing and functions unlocked by upgrading from free to a paid plan is essentially the same as ThaiCupid but a bit cheaper.
    We may receive compensation when you click on links to those products or services.

    This step raises two important questions. And second, why invest in after-tax Roth retirement accounts rather than pre-tax k s and IRAs?

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    The more savings and time you have, the more powerful the effect of compound interest. There are several important observations to make here. Second, notice that the chart is broken into three colors: The yellow represents the actual amount of money invested.

    The blue represents the amount earned directly from the money invested called simple interest. And the purple represents the amount earned from the simple interest called compound interest. All of these numbers are adjusted for inflation. Given enough time, the compound interest earned will far exceed the amount invested or even the simple interest. Notice that you still get the benefit of compounding. But of course, the more you invest, the more you end up with.

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    You may get Social Security benefits to make up some of this shortfall. In making your own decision on retirement savings, you may want to consider these additional factors: When you start saving for retirement: So when it comes to retirement savings, one of the most critical success factors is to start saving as soon as you can. Just start saving now. Change it to just 9. In addition, here are two great books that have helped me a lot in formulating my investment plan: Making your own calculations: If so, here is the investment calculator I used in this article.

    Invest Retirement Savings in Roth Accounts I believe that for most people most of the time, Roth retirement accounts are best. The Roth k beats the traditional k. But this test is unfair. Now which is best? The difference in these two account balances represents the taxes you pay on the earnings from your taxable account.

    If you could invest the tax savings from the traditional k into a Roth IRA, the two account balances would be identical. Now, what if your tax rate goes down during retirement? The balances get closer, but the Roth still edges out the traditional k. Again, it goes back to the fact that the tax savings from the traditional k are invested in a taxable account, where taxes must be paid on all earnings. If your tax rate goes up during retirement, the choice in favor of a Roth k becomes even more clear.

    Future tax rates are unknown: Many argue that they have only one way to go—up. Maybe, although the government can increase taxes without increasing the income tax rate. For my retirement investing decisions, I make no assumptions about future tax rates. How then, you may ask, do I make a decision between Roth and traditional retirement accounts? You can pick both: I invest in both Roth and traditional retirement accounts. Like so much in life, this is not an all or nothing choice.

    My employer matches k contributions, and these matches must go into a traditional k. Roth accounts bring certainty to retirement planning: One of the things I like about Roth accounts is that you know exactly what you have saved for retirement.

    With traditional retirement accounts, you have to make a guesstimate about taxes to know how much money you have to fund your retirement. Conversion to Roth IRAs: Roth k retirement accounts can be converted to Roth IRAs without any tax liability. I like this feature because Roth IRAs offer a distinct advantage over deductible IRAs and k s—no required minimum distribution during retirement.

    You can hold onto your Roth IRA for as long as want. The Retirement Savings Time Bomb. Taking Your Money Out. You'll also get instant access to my interview of a husband and father who retired at the ripe old age of. What others are saying: I'm at Day 26 in your 31 day money challenge podcast. Thank you, thank you, thank you! I've been looking for a comprehensive guide to all-things-money and this has been so informative.
    Ekaterina Novosibirsk, Russia I am a single business owner.

    She sent me a message on Match. And even though I had never thought about getting a Russian wife, she was too pretty to ignore. We've exchanged emails for about 2 weeks.

    She got very serious very quickly, and she also expressed an interest in coming to see me. Luckily I found this site and saw her picture under a different name. I never sent her any money. Thank you very much! I have been divorced for 4 years and am the father of 2 great kids.

    I wish to let everyone know about a scammer I have been corresponding with. She was very smooth and waited about 4 weeks and wrote 10 letter before asking for money to purchase a visa to come and visit me here in the US. I became suspicious after 4 or 5 letter when I asked her about airports near her town and said there were no airports and that it took 3 days of train travel if I wanted to visit her in her town of Surgut.

    The last picture she sent me, I noticed a wedding ring on her finger and asked about it. She said it was just ornamental ring. The following day she sent me the letter asking for money and the name and address of the bank where to send it to.

    Needless to say, I never sent her any. Elena first contacted me, saying she saw a personal ad I had placed with an agency. This agency distributed men's ads to different agencies through out Ukraine and Russia. Well, as for the rest, I will let her letters speak for themselves. Pete Her letter of introduction. I have read your profile. It has liked me. I would like to correspond with you. Earlier I did not use dating sites. Therefore I bring to you the apologies if I have made something not so.

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    I shall answer you letter and I shall send the photo. I shall wait for your letter. Once again I bring to you the apologies if I have made something not so. Letter 2 Hi, Peter. I have got your letter and was very glad.

    I thank you very much that you have answered me. As I promised you I will write in this letter more about myself. And I send you a photo with this letter. My full name is Elena Fefelova. I am 26 years old. On 5 of February I will be I live in town Surgut, Russia. I think you don't know where it is situated.

    It is situated km from Moscow. I don't know what the difference in time is with you, buty the difference with Moscow is 2 hours. Next letter I will try to find a map of the town and send it to you. I live in my one-room flat, which it is left after my parent's death.

    My father was a police officer. He was always an example for me. From childhood he taught me to the labour, because my mother was often ill and I had to do all the housework.

    That's why I learnt to cook very well. My father's name was Vladimir. When he was young he served in army in town Tbilisi now it is territory of Georgia He loved spicy food there. That's why most of all he liked when I cooked georgian pilaw with cranberry. He called it pilaw for Vaska, because nobody cooked pilaw with cranberry yet.

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    His battalion was sent to military trips often. In they were send to Chechnya. There was an antiterrorist operation in Chechnya at that time. It was a great greive for me and my mother because we father most of all in the world.

    After the father's death my mother weakened very much, the father's death became a great breakdown for her. He couldn't overlive it. My mother's name was Anastasiya.

    She was a very beautiful woman and she could sew and knit very well. And she taught me too. Now I prefer to make clothes myself. The doctors said that if the father was alive she would live longer.

    But I think that the doctors simply calmed me. After my mother's death I devoted myself to work. At the present time I work as an accountant. I like my job though I get tired. Lately I was taught how to use Internet. I am not well at it yet but I am trying to learn. I use Internet after the work because my boss doesn't let use the computer in privit purposes.

    But you shouldn't worry. I staied after the work when there is nobody and I am writing the letter. I can write you from Monday to Friday because we work on these days.

    But if you want I can write you from Internet-cafe on weekends.

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    But I will have to pay for the time I use Internet. And I use free Internet at the work. But if you want I can write you. I usually spend weekends on fresh air at nature.

    We have got very beautiful places here and we with my girl-friends often go skiing. Only it's a pity that we haven't got specialy made places for skiing. But we have got large icy grounds, where a lot of people gather to skate. I like skating very much though I can't skate as a figure-skater. But any way it is very funny.

    In summer I like hiking with friends. We take tents, a rubber boat and go for several days to nature. Most of all I like shish kebabs. I don't know if you know what it is, but beleive me that there is nothing taster than meat cooked on coals and impregnated with smoke. On this I am finishing my letter, because it is late already and I have to go home. Next letter I will write you about myself more.

    And then I would like to learn more about you Peter. Elena Letter 3 Hi, Peter. As I promised you last letter I will continue to tell you about myself. I recalled that I didn't tell you Peter about my education. I am correcting my mistake. In year I went to school. I studied there for 10 years. After succesful finishing school I entered a business college, where I got a profession of accountant. But it is difficult to find a job in our town if you haven't got a higher education.

    That's why in I entered Surgut State University. In I graduated and got a status of a specialist with a diploma. Now as you know I am working as an accountant.

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