### Comment:
What are some common online fraud schemes to be aware of?

### REPLY:
One common online fraud scheme is phishing, where scammers send fraudulent emails pretending to be from legitimate institutions, such as banks or government agencies, in an attempt to gain access to personal information like passwords and credit card details. Another scheme is identity theft, where criminals steal personal information to commit fraud or other illegal activities. They may use this information to open credit card accounts or take out loans in the victim's name. Pyramid schemes are another form of online fraud, where individuals are encouraged to recruit others to invest money, promising high returns but ultimately leading to financial loss for most participants. Fake online stores are also prevalent, where scammers set up fake websites to sell products at low prices, but never deliver the goods or provide fake tracking numbers. Lastly, investment scams are common, where fraudsters promise high returns on investments or cryptocurrency schemes but ultimately disappear with the investors' money.