The golden rules to avoid online or phone scams are:
1. Ignore any advertisement or unsolicited advice on how to invest or make money .
2. Ignore all incoming messages or phone calls involving money issues.
3. Ignore all sales offers with huge discounts.
4. Never install any app required by an online seller.
5. Go to your bank personally to check if someone claims he sent money to your account by mistake.
6. Only make online purchases from established and well known online apps or websites.
7. Do you have anything to add to the above rules?
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