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

### REPLY:
One common online fraud scheme is phishing, where scammers send fraudulent emails pretending to be a reputable organization, such as a bank, and ask for personal information like account numbers and passwords. Another is identity theft, where scammers gain access to personal information and use it to open accounts, apply for credit cards, or make unauthorized purchases. Lastly, investment scams are prevalent, with scammers promising high returns on investments and then disappearing with the money. Protect yourself by never sharing personal information online and being cautious about who you trust with your financial information.