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This is great, and I'll add:

3) Never, ever, ever tell anyone anything if they contacted you. If it's the bank calling, or the government, or insurance, or the power company, or anyone else, say "Thanks, I'll call you back". Hang up the phone, wait an hour then find the phone number yourself (look on your bank card or whatever) and initiate contact with the company.

Same goes for emails. DON'T click links in emails. Delete the email. Wait an hour or two then research the phone number to call and initiate contact.

I will never even have a phone conversation with someone that called me (other than friends, of course)




You could just use thunderbird as your email client and don't click the links in the emails. No 2 hour wait required.

Unless you are in England I don't believe they can hold up your line for minutes after you hang up.


and don't "google" for the phone number. Get it from the back of the bank card or your statement.




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