What do the salespeople say? “You’ve been specially selected to hear this offer.” “You’ll get a wonderful free bonus if you buy our product.” “You’ve won a valuable free prize.” “You’ve won big money in a foreign lottery.” “This investment is low-risk and provides a higher return than you can get anywhere else.” “You have to make up your mind right away.” “You can put the shipping and handling charges on your credit card.” Callers may use well-rehearsed sales pitches designed to sound believable. You may be transferred from person to person, so it sounds like a genuine business setting. A “vice president” may even call you back to try to convince you to buy. Beware of high-pressure pitches that require immediate decisions! Legitimate firms will always give you time to think an offer over.