A chick sitting on the steps of my school in downtown got robbed a few weeks ago in a situation very similar to yours.
Here's what she wrote about it...
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Mystery solved...I am the student who was mugged about a week ago in front of the library. [...]
It was 3:30 in the afternoon and I was sitting on the steps of the library talking on my cell phone and smoking. A man walked by and was looking at me as if he wanted to say something. I did what I have always been told to do if someone is lurking, I addressed him to let him know I was aware that he was looking at me. I asked him if he needed something and he asked if he could buy a cigarette from me. He had two quarters in his hands. He was also wearing fairly nice clothes (a white polo style shirt and khaki colored pants) that were clean. He was not unshaven, etc. To tell you the truth, until I noticed his hands later on in the interaction, he could have been another student for all I knew. It is not uncommon for other students to bum cigarettes or even offer to buy one. [...]
I told him not to worry about it, he didn't have to pay for one, I would just give him one. I handed him a cigarette and went back to talking on the phone. I noticed that he was still standing there looking in his pockets and I assumed he needed a lighter. I asked and he said he did so I handed him my cigarette instead of a lighter. As he was using the cigarette to light his own I noticed that his hands were dirty. This was when I realized he was probably homeless because it wasn't obvious from the way he was dressed. He handed me back my cigarette which I immediately put out. I was concerned about putting it in my mouth after he touched it. He started walking away and as he was doing so I opened my purse to get myself another cigarette. As I did so he lunged towards me, reached into my purse and grabbed my wallet out of my open purse. I was in a seated position with my purse basically in my lap.
He took off running west on [X street] and then south on [Y street]. I stood up and started screaming at him. [etc, he wasn't caught.]
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Pop Quiz: how many things did this girl do wrong in this situation?
Here's what she wrote about it...
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Mystery solved...I am the student who was mugged about a week ago in front of the library. [...]
It was 3:30 in the afternoon and I was sitting on the steps of the library talking on my cell phone and smoking. A man walked by and was looking at me as if he wanted to say something. I did what I have always been told to do if someone is lurking, I addressed him to let him know I was aware that he was looking at me. I asked him if he needed something and he asked if he could buy a cigarette from me. He had two quarters in his hands. He was also wearing fairly nice clothes (a white polo style shirt and khaki colored pants) that were clean. He was not unshaven, etc. To tell you the truth, until I noticed his hands later on in the interaction, he could have been another student for all I knew. It is not uncommon for other students to bum cigarettes or even offer to buy one. [...]
I told him not to worry about it, he didn't have to pay for one, I would just give him one. I handed him a cigarette and went back to talking on the phone. I noticed that he was still standing there looking in his pockets and I assumed he needed a lighter. I asked and he said he did so I handed him my cigarette instead of a lighter. As he was using the cigarette to light his own I noticed that his hands were dirty. This was when I realized he was probably homeless because it wasn't obvious from the way he was dressed. He handed me back my cigarette which I immediately put out. I was concerned about putting it in my mouth after he touched it. He started walking away and as he was doing so I opened my purse to get myself another cigarette. As I did so he lunged towards me, reached into my purse and grabbed my wallet out of my open purse. I was in a seated position with my purse basically in my lap.
He took off running west on [X street] and then south on [Y street]. I stood up and started screaming at him. [etc, he wasn't caught.]
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Pop Quiz: how many things did this girl do wrong in this situation?