TLDR: I followed the advice given by the members of this board, met a beautiful young woman and had an extended sexual encounter, for less than the cost of an escort.
Rather than offer a 'blow by blow', I thought that it would be more helpful to offer advice on what had worked for me. But, I realized that I'd simply be regurgitating the great advice that is already here. So, here is what I'd learned, from this site. And, trial and error. Followed by a summary of my first encounter:
1) Know precisely what you can offer (budget, gifts, outings, travel, advice, connections, etc. - coincidentally, a POT, with whom I'd had a failed first meeting, gave me this same advice)
2) Know what you want in an arrangement (besides hot, toe-curling sex - frequency of visits, dates, travel, confidant, pen pal, etc.)
3) Be your best self. But, always be true to yourself.
4) On your profile, and in on-site communication, be non-explicit, funny, engaged, honest and clear.
5) And maybe most important, when discussing allowance, always discuss it in terms of your budget, not her "worth". Keep in mind that your budget may need to cover date expenses (dinner, drinks, gifts, hotel, travel, etc.)
About 10 years ago, long before becoming a hobbyist, a friend shared his sugar bowl experience. He claimed that he was hooking up with an array of willing young things. At the time, it all sounded like bullshit. I was mistaken.
As a rule, on the site, I no longer message first. Mostly because most of the messages that I did initiate never received a response. Also because, I hoped that by waiting for POTs to contact me, they would have reviewed my profile, and "self-selected" after learning a little bit of what I offered and wanted. In many cases though, they did not read my profile. The other reason that I don't message first is because, I am a low volume SD. I don't have the means or schedule to juggle multiple SBs.
In this, my first arrangement, she contacted me, and right off the bat, offered PPM. I of course, thanked her for her directness and looked at her profile. I did not see any of my show-stoppers or red-flags (you'll have your own). I followed up by asking if she would be interested in getting lunch (a public coffee date is standard, but I like going out to eat). She accepted my invitation.
Up until this point, I kept all communication on the site (despite her asking for my number). On the day of, we kept in contact as the time approached. She got a little lost, so arrived late. Once we were seated, and exchanged pleasantries, I shared my number with her (I wanted to be sure that she matched her profile, and would actually show up). Over lunch I asked about her, her interests and plans and answered her questions about me. After we'd finished lunch, I asked whether she had had previous arrangements from the site. She indicated that she had, which lead me to ask what she had received for allowance. The number she stated was well within my budget (there might have been an opportunity to negotiate here, but the rate was very reasonable and I took it as an opportunity to appear 'generous'). I then made clear that our dates might include some combination of dinner, drinks, dancing, shows, etc. and the occasional gift. And that they would also include some "intimate one on one" time. She signaled that she understood and agreed. After a bit more chit-chat, I paid the bill and let her know that I had to leave. We parted, but both agreed that we'd like see one another again, on a formal date. A few minutes later, I sent her a text, thanking her for a lovely lunch. A couple of days after, I texted her, asking whether she might be available to meet for 6 hours on the coming weekend. She was, but then there was a bit of scheduling drama. We finally settled on a date that worked for both of us.
On the planned date, based on advice I'd received here, I proposed that we meet first for coffee. I got there early. I wanted to watch her arrival, to make sure that she was alone. We got our drinks and sat someplace discreet, so that I could lay out the plan for the day (one-on-one time to "explore our connection" and lunch). We went to our respective vehicles and she followed me to the room that I had secured. There, I gave her a gift that I had bought. I then initiated a discussion about expectations and limitations. I asked whether she thought of her self as sexual. I gave her the opportunity to talk about what she liked and what was out of bounds. I also shared what I enjoyed. I had planned the "one on one" time first, in the event that there was zero chemistry, we could both go our separate ways, with no harm done. But, the conversation when well, and the fun began. After a short while, she sheepishly asked about how we'd handle the "money", and I immediately handed over her allowance, plus a little extra for gas, etc. I let her know that she did not have to be reluctant about asking. And that it was my wish that we both be very clear and direct in communication about everything, including her allowance.
Throughout our time together, I was careful to always keep checking in with her, to make sure that she was comfortable with, and enjoying what was going on. All in all, our time together was great. But, it did lack the enthusiasm and initiative that I had become accustom to with escorts. I attribute this to the fact that she is young. However, she is also fit, beautiful, willing and tolerant of my awkward banter (iow - I was in heaven). After a couple of hours of "adult fun", we agreed that it was time for lunch. We drove together to lunch, had a lovely meal and there our date ended.
In all, we were together for 5 hours. My total investment being less than any of my two hour escort dates. As soon as my schedule allows, I look forward to seeing her again.
All in all, I feel as though the entire exchange went very smoothly. That is due to the excellent advice and support provided here. Thank you all (especially Herb).