Snake oil and other must-have offers

Is this a sales call?” I always ask this question when I get a phone call from an insurance firm or a bank. Usually there is a brief silence before the person at the other end responds. In India, I have never had the person who made the call respond by saying, “Yes, this is a sales call.” Their responses have ranged from “I’d like to tell you about this really great retirement plan we have” to “I just need a few minutes of your time”. Why can’t they respond with a simple, “Yes, this is a sales call, and...” and then say what they want to say?

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