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"He said he was going to pay me back double," she laughs.

We suggest contacting the money transfer office or your credit card company/bank to ascertain their policies in such cases.

Do your fellow legitimate members a favor and be sure to report abusers. Budgyk, 56, doesn't suffer for a lack of confidence, but he also knows something is amiss when a model half his age just can't get enough of him.

"When some 25-year-old girl is telling you that she's in love with you, you have to wonder why," he says. If a 25-year-old model is contacting a 50-year-old man, there's something wrong." Scammers look for vulnerable populations -- women and men in their 50s and 60s who are divorced or widowed and may feel rejected or past their prime.

If the victim doesn't figure out the con after the first request for cash, the crook will keep milking the relationship for as much as he or she can get.

When the victim gets wise, the con artist gets scarce. But the increasing popularity of online dating gives them the perfect conditions to proliferate.

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