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

### REPLY:
A common online fraud scheme to be aware of is called "phishing." This involves sending emails or messages that appear to be from trusted sources, such as banks or government agencies, asking for personal information such as passwords or social security numbers. Another scheme is "card skimming," where criminals attach devices to ATMs or payment terminals to steal credit card information. To protect yourself from these scams, never click on suspicious links, regularly monitor your bank statements, and avoid using public Wi-Fi networks for financial transactions.