### Comment:
What are some common online fraud schemes and how can I avoid falling victim to them?

### REPLY:
One common online fraud scheme is phishing, where scammers send emails pretending to be from a legitimate organization to trick individuals into revealing their personal and financial information. Another scheme is identity theft, where scammers steal personal information to commit fraud. Fake online shopping websites are also used to lure unsuspecting customers into making purchases, only to never receive the products. Investment scams involve fraudulent individuals or companies promising high returns on investments, only to disappear with the funds. It's important to be cautious and protect your personal and financial information to avoid falling victim to these schemes.