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Several high-profile methods include the following: Frequent instances of Internet fraud include business fraud, credit card fraud, internet auction fraud, investment schemes, Nigerian letter fraud, and non-delivery of merchandise.

For information on the most common complaints and scams, see the annual reports of the Internet Crime Complaint Center (IC3), a partnership of the FBI and the National White Collar Crime Center.

The typical affair used to start in the office and move to a seedy motel room, but the vast reach of the Internet has brought infidelity into many couples’ homes over the past decade.

The growth in steamy chat room conversations and cybersex also has triggered a rethinking of the meaning of infidelity.

With the burgeoning use of the Internet, many practitioners are seeing more couples because of online affairs and are addressing new issues in therapy, psychologists say.

“It starts in the home, which is very different than most affairs.

Every time you walk by, you’re asking yourself if he or she is using it for an affair.” While most relationships are hampered by such workday realities as household chores and paying the bills, online relationships exist in an electronic nether world where strangers can construct their own identities, Hertlein says.

“On the Internet, you can be whoever you want to be. You don’t have to be this constrained person you think you should be.” Fantasy also is a huge factor in online affairs, and fantasy always trumps reality.

“The excuses are, ‘I didn’t have sex with this person.While men traditionally have been the more unfaithful sex, gender roles are reversing in some cases as more women experience cybersex.“I think there is this bias that women don’t cheat for sexual reasons at all,” Hertlein says.Several studies have focused on the “AAA engine” that drives online affairs, namely accessibility, affordability and anonymity.“The Internet is extremely accessible no matter where you are,” Hertlein says.

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