So I've been reading quite a bit.  I haven't yet found a clear answer to a few questions.  I have found partial answers but nothing specific.

With that said, my questions:
I know there is a verification process with the ladies I'd like to possibly meet.  I have no problem with that in general.  However, I am currently unemployed and looking for work.  I have no references as this would be the first time.  Can the lady or agency verify by calling a former company as if she were an employer looking for references?  Might they do that?  Am I SoL until I have steady work?  Money is not an issue for this purpose but really only budgeted for one lady at the moment.  I have a short list and would really want to meet with one of them, of course after getting VIP and reading the full reviews.

If it's considered bad etiquette to ask rates, what does a hobbyist do when a lady only has an ad on eros and it does not disclose the value of her time?  

For a GFE, in general, is it straight to the bedroom or is it like you chat for a little bit and then whatever?  I know each lady is different, I'm speaking in general terms.

I apologize for asking some of the same most common questions.  I try not to do that.  Sometimes this board is hard for me to read since I am used to in-line thread displays.  I very well could have missed the answer.  But thanks in advance for any answers that can be provided.

Don't ask her what "services" she will, or won't do on the phone, or in writing. That's what your TER homework is for. If you ask her for instance if she swallows, she may hang up on you.

FP is right on.

Talk to your potential provider as you would a potential date, which is what it is, of course. You might be providing compensation for a person's time, but whatever chemistry sparks during that date is up to the two of you.

And besides, if you're a VIP member, you don't need to ask about rates. You'll already know.

You will likely find an agency that is willing to work with you. You may have less success with independent providers. They will need to verify somehow, but i doubt they'll want to call a previous employer. They don't take that much trouble. Perhaps they can confirm by calling you on a home land line.

The ladies all differ as to how they start a session, but in a lot of cases you'll find they are a little nervous, just like you are. They like to spend a few minutes chatting to build a comfort level. OTOH every once in a while, you find a lady who would chat away the whole session if allowed to. In those cases, you need to be a little forward. But I would anticipate a little time for chatting. This also depends on how long you have booked. If you just book sixty minutes, you'll get down to business more quickly.

Good luck. It can't be stressed enough how important it is to let the reviews guide you. Don't worry so much about the photos on the Eros website. They are often doctored to show a provider in the best light.

I've never used an agency but, after being a VIP member here, the general view are less picky about screening. I've only used independent ladies and am self employed. I got to see an well reviewed independent the 1st time and she became a great lady I visit still but, a great reference too. I have now seen over 20 differnt ladies so references are no longer a problem for me.

My advise is to first get VIP membership here. Then you can search your local regional boards and read (everything!) the lady will do and has done to other lucky hobbiest. Times are tight right now so I don't think with some personal info from you they will turn you down.

As for the GFE there are loads of discussion threads recently on that and to be honest it's used like the word in food "all natural" way too much. You need to do your homework and read reviews to see how the lady treated the men and then you can pick out a good one from there. Also chose about 3 of your favorites because lots of times they will not return your emails or calls. I have yet to figure out why they are that way but it's just the ropes.

Good luck and when you are successful write a review to help us out like we are helping you now!

with a warm passionate kiss..At least for me I find it a great introduction for things to come..

You may ask my rates anytime since I know that other websites pickup our info and never have the rates right..Please never talk about what you will recieve for you donation..As soon as sex of any type is mentioned your on your own.

Don't ask a lady if you should bring condoms..never mention how nervous you are about catching something and please don't mention performance problems..These could be bait questions from LE..

Kisses Haley

tell you all you need to know about a lady's service level.

If you have conflicting information about rates, it is OK to ask her if her TER rate, Preferred411 rate, or whatever rate is the correct amount for her time.

I recently saw my first provider. When I asked her for an appointment, I had no references because it was my first time; and being retired, I had no employment to verify. I nonetheless got an appointment, without any problem, with the very first provider I contacted.

I can't promise that you will have the same good luck as I did, but it will help if you pick the right provider and if, in approaching her, you make it obvious that you are a gentle and trustworthy man.

As to the first, you need to get VIP and read the reviews. It's a good idea to narrow your choices to providers with multiple reviews and overwhelmingly favorable reviews at that. Even more important, read between the lines of those reviews; try to spot a lady who is intelligent and understanding.

Then write her an email in which you make it clear that you understand her need to feel safe and comfortable in meeting you. Offer to give her any information that she needs in order to feel good about seeing you. (If the lady makes demands that you think unreasonable, you can always move on.) In my case, following the good advice I got on this board, I offered to meet her -- just to talk and get acquainted -- in a  public place if she thought it necessary. The email was all that she needed. She offered me an appointment with no further verification. I saw her two weeks ago and had a wonderful time.

VIP membership is a requirement for anyone serious about researching for a provider that is a good match for your tastes; however, I would never count on the rates listed in a TER profile to be accurate or current.  I would always confirm with the provider's website, or if the info is not available on her website, perhaps ask discretely in an email if her profile page information is correct.  It would be bad form to show up with the wrong amount in your envelope the first time meeting a new provider.