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

### REPLY:
One common online fraud scheme is the "advance-fee fraud" or "419 scam" where scammers promise large sums of money in exchange for a small upfront fee. They may pose as a wealthy individual or representative of a company or government agency. Once the victim pays the fee, the scammer disappears, leaving the victim without the promised money. Another scheme is "identity theft" where scammers steal personal information such as social security numbers or credit card details to commit fraud or make unauthorized transactions.