### Comment:
What are some common online fraud schemes to be aware of?

### REPLY:
A common online fraud scheme to be aware of is a specific phishing scam called "spear phishing." In spear phishing, fraudsters target specific individuals or organizations by sending personalized emails that appear to come from a trusted source, such as a colleague or a bank, to trick them into revealing confidential information, including passwords, social security numbers, and financial details. This information can then be used for illegal activities, such as identity theft or financial fraud.