### Comment:
What are common online fraud schemes I should be aware of?

### REPLY:
One common online fraud scheme is the "Nigerian Prince" scam, where individuals receive an email from someone claiming to be a Nigerian prince or government official who needs help transferring a large sum of money out of the country. They typically ask for personal information and financial assistance in exchange for a share of the funds. Another scheme is identity theft, where fraudsters steal personal information, such as social security numbers, to commit financial fraud. They may use this information to open credit cards or take out loans in someone else's name.