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

### REPLY:
One common online fraud scheme involves phishing, where scammers send emails pretending to be from a trustworthy source, such as a bank or government agency, and ask for personal information, such as passwords or social security numbers. Another scheme is identity theft, where scammers steal a person's personal information to apply for credit cards or loans in their name. Additionally, investment fraud schemes promise high returns on investments but are actually fraudulent, leading to financial losses for victims. It's important to protect yourself by never sharing personal information online and being cautious of any offers that seem too good to be true.