If a horse or handsome stranger approaches you near a body of water and their hair is wet, BEWARE! There is a chance that a kelpie is about to drag you to a watery grave. 

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Sources:

http://ynysseamaiderp.blogspot.com/p/merrows.html

https://www.scotclans.com/scotland/scottish-myths/scottish-monsters/kelpie/

https://clan.com/blog/folklore-friday-the-kelpie

https://www.poetryfoundation.org/poems/43797/address-to-the-devil

https://en.wikipedia.org/wiki/Kelpie