You folks want meto say "Hello" so here it is... I found this site 'coz the no user dictionary in Pages is a bloody hassle. Yes, the workaround, putting words into Contacts (they must be part of the first name, last name or compay, and one must shutdown and re-start - neither notion was mentioned, by the way)... BUT although that stops the red underlining thing, it DOESN'T make those words available to the Pages dictionary.
Okay, none of us are meant to be using our iPads for actual real work - we're suposed to be wasting our lives watching lite bier porno or shopping or plugged into music, but in case the IT universe hasn't worked it out yet, we folks are the future of computing, at least 'til we have a chip in our heads, so pleeeeese, where's our User Dictionary!!!