### Comment:
What are some common online fraud schemes that individuals should be aware of?

### REPLY:
One common online fraud scheme is known as the "Nigerian Prince" scam, where scammers claim to be a wealthy individual in need of help to transfer a large sum of money out of their country. They often ask for personal information, including bank account details, to facilitate the transfer. Another scheme is the "pharming" attack, where scammers redirect users to fake websites that mimic legitimate ones, aiming to collect their login credentials or financial information. It's important to be cautious and not fall for these scams, as they can result in financial loss and identity theft.