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And other ways to keep your money safe…   Last Monday, Bill’s cell phone rings, and he picks up… Recording (with our commentary): “This call is officially a final notice from IRS (not “the” IRS?), Internal Revenue Service. The reason of this call is to inform you that IRS (again) is filling (not filing? maybe it was the accent) a lawsuit on your name because you have tried to do a fraud (someone skipped grammar class in 4th grade) with the IRS and we are taking a legal action, and we are issuing an arrest warrant on your name (a …