Those are very good points. I wonder, what would be some questions I could ask to test the waters so to speak, to see if someone is legit, or red flags that would indicate to stay away from a particular lady; if you don't mind my asking. I'm fairly new to this, and I don't want to make a newbie mistake if I can avoid it.
and thanks for the advice DefenseDave, it's much appreciated.
As for why that particular ad; I dunno. I guess simply because she posted her gift/donation requests for her time.