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

### REPLY:
One common online fraud scheme is called "phishing," where scammers send emails pretending to be from trusted organizations, such as banks or government agencies, to trick individuals into revealing sensitive information like passwords or credit card details. Another scam is the "Nigerian prince scam," where individuals receive emails claiming that they have inherited a large sum of money but need to pay a fee in order to access it. Other scams include fake online shopping websites, where scammers take payment without delivering the purchased items, and Ponzi schemes, where individuals are promised high returns on their investments but are actually being paid with funds from new investors.