when you call someone

whom you've never spoken to (I'm not talking about telemarketing here, but it applies too), please, PLEASE, start with your name and what company you are from, and THEN, state your business.

I have taken so many calls from random folks who just barged straight into the topic before you can say 'Who are you again?'. Folks, basic politeness will get you very far indeed.

On a slightly related incident, a particular incident still burns in my mind - a telemarketer called and asked me if I wanted to take up an insurance that comes with the credit card. I said NO, thank you very much and he got upset with me, and kept questioning why I do not want to have this very good package (to him maybe). What's this? I'm not allowed to say no? Ridiculous.

Anyway, the worst of the callers I've got from? BANKS. You guys really need to brush up on your phone etiquette.