As soon as they say who they are and who they represent I just say no thanks I'm not interested.Then If they continue with their speil, in a harsher voice I again say I'm not interested but as the word 'interested" finishes I just hang up. Same as the front door 1 chance and one chance only. Easy,polite, no arguments no stress no guilt.
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igodabigblackshinycar and I relented and allowed a BMW into the garage. 
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