Hi - I've called a few girls who are "independent" and I ask them if they're rate is an "all inclusive" one..  they've all reacted the same way by saying "no - i dont have sex, i dont do anything illegal"..  
can i assume they are just being cautious on the phone or is it really that they dont??  perhaps a dumb question but im new to this..  thanks

You are always paying for her time never sex.  If she is a TER reviewed provider with good reviews and no indications of upselling then you don't need to ask.  She will show you a good time.

If she is not a TER reviewed provider, perhaps you should not call her until you gain more experience.

I have never had a TER lady do me wrong.  Escorts reviewed on TER are good people and more honest than most professionals.

BTW, sometimes girls who work for agencies do require a tip but you indicate these are indepenent ladies.

You will find a wealth of information about hobbying protocol and etiquete.

Basically as far as the phone call, pretty much the only thing acceptible to talk about is when and where.

You can find everything else out on the provider's website and even better- in her TER reviews.  Not only will this allow you to know exactly what to expect in the way of service, it will allow you to assess via the reviews if that is the type of experience you are looking for.  But you need to get a TER VIP membership to take advantage of that- the best investment you can make for successful hobbying.

Of course she is going to say that, because until you prove otherwise, you are LE. Believe it or not, your kind, soothing voice over the phone is not enough. Do your research, visit websites and as GB22 said, read-read-read-read the vast information on the newbie link.

Please, please Goldenbear22, never tell a newbie
"to know exactly what to expect in the way of service" from a review. Please, on behalf of every provider, let the newbies know about YMMV. Even though it may not be a favorite acronym amongst the guys, it is the only thing we have in our favor to give us some wiggle room if a client is not clean etc. etc.

To tell a newb that what guy (A) got is what he'll get is asking for trouble....especially if he shows up less than well-groomed and wants his balls licked like the last guy got, but the smell would make a forensic pathologist retch. Or his date refuses to DFK, because he has more algae on his teeth than the Great Barrier Reef.

oh my god-- i think i could come up with a better screening process-- and after reading this-- so could you-- cant imagine how hard things like that must be on you!