We get lots of 'phone calls from people and organisations who are trying to persuade us to hand over money. Most of these calls are scams. It is better not to get involved in conversation as the person will try to bully you into giving them your hard earned cash. There is no such thing as a free lunch and if it sound iffy, then it probably is. We've got a 'phone with Caller Display and if we don't recognise the number, we never answer it. After all, the caller can leave a Voice Mail and if they don't, then it's not a genuine call!