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

### REPLY:
The most effective online fraud schemes to be aware of are phishing scams that target individuals by sending fraudulent emails pretending to be from trusted organizations, such as banks or government agencies. These emails often contain links or attachments that can install malware on your device or direct you to fake websites where your personal information can be stolen. Additionally, identity theft can be carried out through various methods, including hacking into databases and using stolen information to commit financial fraud. Online auction fraud is another common scheme, where scammers post fake listings and trick unsuspecting buyers into sending money without receiving the promised goods or services.