Things to believe:

* There ain't no such thing as a free lunch (TANSTAFL)
* If it looks too good to be true, it probably is.
* You have not won big bucks from an unknown benefactor or a grant from the government  <<<<<<<<<<<
* The tooth fairy really does not exist
* Everything you read on the internet is not necessarily true.
* It is illegal to pay money for a loan, BEFORE getting the loan!
* "Free Trips" are loaded with mandatory & costly extras, and you usually must give them your card number after listening to a loooong spiel at a hotel.
* Microsoft did NOT call you to fix your computer.
* The moon is not made of green cheese.
* The IRS will snailmail you, rather than phone you, if there is a problem.
* Jackalope milk is not an aphrodisiac.
* If you "green dot" or Western Union money to a scammer, the money is gone.

Call saying that I have a 2.5mil grant dat was approved... to send in $120 to have it delivered....

Call from someone named "Jonathan" claiming I'd won a Powerball jackpot and needed to send $450 to get it delivered.