When Talking To Yourself Makes Sense

            We are constantly bombarded with information overload and endless questions about our business and personal lives. Whether in person, on the phone, or online, the intrusions into our private lives should be met with a healthy dose of skepticism. Before responding to any queries we need to ask ourselves three basic questions: Who, What, and Why?

WHO?

            Who is asking the questions? If you initiated a call and know who you are speaking with and why, then certain questions are inevitable. For example, calling your bank about a mortgage payment will require disclosure of certain account information. Someone calling you and asking for your credit card number is a different story. Hit delete on that email about your long-lost relative’s inheritance and move on. The who asking questions should be you.

WHAT?

            We’ve all received phone calls asking questions, but what are they inquiring about? Someone conducting a survey does not need your credit card information or your date of birth. The salesperson at your door does not need payment in full before the job is even begun. However, a new bank teller may request a verification of information while you are banking and that is for your protection. What someone is asking is what you need to ask yourself.

WHY?

            Why would someone randomly call or email you with a special offer to take a trip to a foreign locale within the next 48 hours with the requirement that you pay in full by wire transfer? Is there a reason why your answering machine is full of offers for reduced rates on your car loan, even if you don’t have one? Why would your credit card company call and ask if you just purchased a new stereo system and six laptops?  Chances are the fraud protection unit is hard at work and the why becomes apparent after you’ve discovered who did what with your personal information.

 You can see why talking to yourself  really pays off !