It was late afternoon when the telephone rang. At that time of the afternoon, there were several possibilities. It might be my son, needing a babysitter at the last minute. Although not likely, it has been known to happen. Most probable was that it was an unsolicited call.

Unsolicited calls fall into several categories. The worst of these are the scams, those intended to illegally part you from your money. Some are threatening, and some hope that your greed will entice you to respond.