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That means you end up with just one loan to pay and in most cases at a lower fixed interest rate.Plus, this loan has a set end date meaning that you’ll know exactly when it will be paid back by.Beyond saying, "You're really cute and you live near me," you can add that like the woman you're contacting, you also play tennis and enjoy jazz.All in all it was not too different from being back in 7th grade again, summoning the gumption to ask Nancy Morris to dance for the very first time.

Tell everyone you know that you're interested in dating.

If you feel like the person across the table is patronizing you — if, for example, he or she suggests you're wasting your life teaching school when the "real" money's in business — simply say, "Thanks for the coffee date" and head for the door.

Use the classic dating strategies: introductions through friends, blind dates, meeting through activities (work, recreation, religious, etc.), and plain old serendipity.

And while you're at it, make sure your Facebook page won't raise eyebrows.

Daters who are 50 and older tend to be less impulsive — and that's a good thing.

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