### Comment:
What are some common online fraud schemes that individuals should be aware of?

### REPLY:
One common online fraud scheme is phishing, where scammers send emails or messages pretending to be from trusted organizations like banks or government agencies and ask for sensitive information like passwords and credit card details. Another scheme is identity theft, where scammers steal someone's personal information and use it for fraudulent activities. Additionally, there are schemes like pyramid schemes and investment fraud, where scammers promise high returns on investments but ultimately defraud individuals of their money.