Robert Kirby: Your money and those mysterious cold calls

It’s generally understood that I’m not a smart person. At the very least, I am a reckless one.I figured this out by the time I was in third grade. It was then that whatever is still wrong with me took over in a big way.Hint: If you have a kid you even remotely suspect might be capable of peeing in a teacher’s purse while doing a timeout in a coat closet, act now.Here’s the thing: Despite a low IQ and towering impulsiveness, I’ve never sent money to anyone who contac