Many of us have lost significant others in one way or another, and inside many of us is a yearning to establish a new relationship. But how? And where? Let's face it, no matter how badly we want romance in our lives, it ain't going to find us while doing dishes in our kitchen. So, many of us turn to our computers to search for love in our spare time and in the comfort of our home.

When you meet people online it is especially important to trust your instincts and use sound judgment to protect your heart and your money from fraudsters. There is no substitute for acting with caution when communicating with someone you are just getting to know. Many dating sites do not conduct criminal background checks, and it is always possible for people to misrepresent themselves. Assessing a match's truthfulness and honesty is ultimately your responsibility. Don't ignore any facts that seem inconsistent or "off." It is ultimately your responsibility to assess a potential match's truthfulness and honesty. Remember that you have control over the situation.

Here are some essential 'rules-of-the-road' to help you safely navigate online relationships.

1. Know the RED FLAGS.

   Watch out for someone who:  

• Immediately requests to talk or chat on an outside email or messaging service
• Claims to be from the U.S. but is currently living, working, or traveling abroad
• Asks for money, goods or any type of assistance, especially if you have never met in person