1. SAFETY FIRST
Before your relationship don't divulge personal information such as your last name or address until you've built a solid rapport. "This person may seem like Prince or Princess Charming, but for all you know, your "pal" could be romancing you from a prison cell," says Lisa Daily, author of "Stop Getting Dumped!"

2. SHORT & SNAPPY
Lisa also suggests that It's better to leave them wanting to know more than to bore them with your life story. "Stick to the high points — no more than three paragraphs."

3. TELL THE TRUTH
Be honest, and you'll be more likely to meet someone who likes you just the way you are. And you won't have to explain the years and/or pounds you forgot to mention.
Melanie, a publicist said, "One bloke sent me a picture, but when we met, it was obvious that the photo was of someone else. The fact that he sent me a fake picture was so incredibly stupid that I decided to never talk him again."

4. USE A PERSONALIZED EMAIL
Don't send the same generic "cover letter" to every possible match. "Anyone can spot a cut and paste email instantly," says Melanie. "They all read something like this: 'Hi, my name is Dave. I am in management consulting and would like to meet some friends. I read your profile. You sound like fun.' It's obvious that this message is going to a load of girls."

5. NOT SO FAST
In real life, you wouldn't introduce yourself and immediately start unzipping the other person's jeans. Neither should you send suggestive emails.
"One bloke sent me an email saying that he wanted to lay his head on my soft breast," says Roxanne. "I never wrote back to him, but I did forward his message to all of my friends to get a good laugh out of him.

6. DON'T BOMBARD THEM
Hit send. Then wait for a response before writing again. Kim, a writer, remembers one guy who wrote her 10 or more times a day. "He seemed like a catch until he began swamping me with emails. He was so full on he scared me," she says.
A hail of uninvited instant messages is particularly invasive. Ron, a project manager, was turned off by a woman who deluged him with IMs at work. "I hadn't even given her my IM name," he says.


7. TAKE THE NEXT STEP
If the two of you click online, go to the next step. Exchange phone numbers; have a real conversation; make a date. "Isn't that why we're on Smart-Wallet Dating in the first place?

INSURANCE

HEALTH & DENTAL

HOME

AUTO

LIFE

LOANS

CONSOLIDATION

HOME EQUITY

PERSONAL

PAYDAY

CREDIT CARDS

FAST APPROVAL

LOW INTEREST

CARD SERVICES

UK CREDIT CARDS

TELEPHONE RATES

LONG DISTANCE

FLAT RATE

SCAMS & STINGS