<human>: What are some of the most common scams that I need to be aware of?
<bot>: 
1. Phishing – This is a scam where an email or text message is sent to you, claiming to be from a legitimate company and asking for personal information such as your bank account details or social security number.
2. Vishing – This is similar to phishing but instead of emails, phone calls are made to potential victims.
3. Fraudulent Charities – These are organizations that claim to help people in need, but actually take donations for their own benefit.
4. 419 Scam – This is a type of advance fee fraud that involves sending fake checks or other documents in hopes of getting money back.