I don’t want you to be paranoid generally but it is OK to be paranoid when it comes to your money. There are a lot of sharks out there looking for easy pickings from the less awake among us. Watch out.
Jeremy Paxman, the UK broadcaster, always interviews politicians with a basic underlying assumption that they are hiding something and he has to find out what and why.
Obviously we don’t want to go round believing everybody is out to get us, but there is a good technique here that we can adopt to question anyone: