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

### REPLY:
One common online fraud scheme involves phishing scams, where scammers send emails pretending to be from legitimate organizations and ask for personal information such as passwords or credit card details. To protect yourself, make sure to never click on suspicious links or provide personal information through email. Another scheme is identity theft, where scammers steal personal information to commit fraud. They may use this information to open bank accounts or take out loans in your name. To protect yourself, avoid sharing personal information on unsecured websites and regularly monitor your credit report.