1. If they want to loan आप money, tell them आप just filed for bankruptcy and आप could sure use some money.
2. If they start out with, "How are आप today?" say, "Why do आप want to know?" Alternately, आप can tell them, "I'm so glad आप asked, because no one these days seems to care, and I have all these problems; my sciatica is अभिनय up, my eyelashes are sore, my dog just died..." When they try to get to the sell, just keep talking about your "problems."
3. If they say they're Joe Doe from the XYZ Company, ask them to spell their name. Then ask them to spell the company name. Then ask them...
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