You almost hate to hear your phone ring because it’s a 50-50 chance it’s some type of unwanted solicitation, or a scam. As a rule, I don’t answer my personal phone unless I know the caller. If it’s someone with a legitimate reason to call, they will leave a message, and I will call them back. In the latest edition of the Sans Ouch! Newsletter you can learn about the main scams, and how to protect yourself from becoming a victim.