junk mail http://www.wisebread.com/taxonomy/term/6667/all en-US What Does Your Junk Mail Say About You? http://www.wisebread.com/what-does-your-junk-mail-say-about-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-does-your-junk-mail-say-about-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/businesswoman_reading_a_letter_at_office.jpg" alt="Businesswoman reading a letter at office" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Since it costs money to produce and mail marketing materials, most of the junk mail you receive does not end up in your mailbox by accident. Marketing companies target customers with junk mail based on information that leads them to believe you would be a good candidate for their offers. The companies that send junk mail use information such as credit history, credit card balances, mortgage information, and public records to find targets for their marketing materials. They also buy lists of potential customers that have recently purchased a certain type of item or signed up for a catalog in a product category.</p> <p>What does the type of junk mail you receive say about you?</p> <h2>You have high net worth</h2> <p>If the information available to marketers such as home value in your neighborhood or length of your credit history indicates that you have significant net worth or may be nearing retirement, you may get offers related to investment and retirement planning offers, invitations to free dinner events to learn about investment services, and offers to subscribe to investment newsletters.</p> <h2>You have good credit</h2> <p>People with good credit scores tend to get the best credit offers. If you have a high credit score, you might receive offers for rewards and travel credit cards, preapproved credit card offers with favorable terms, and balance transfer offers with low fees. (See also: <a href="http://www.wisebread.com/10-questions-to-ask-before-accepting-a-credit-card-offer?ref=seealso" target="_blank">10 Questions to Ask Before Accepting a Credit Card Offer</a>)</p> <h2>You have poor credit or high debt</h2> <p>Credit offers with the least favorable terms are targeted to those with lower credit scores, since these people are more likely to take an offer with worse terms. Those with poor credit will typically get applications for credit cards with low &quot;teaser&quot; interest rates that go up, debt consolidation offers, and applications for credit cards with high interest rates, and high annual fees, as well.</p> <h2>You shop a lot</h2> <p>Many types of mail order purchases, online purchases, and orders from TV infomercials will get your name on catalog mailing lists that will be used to try to sell you related things, or even unrelated things.</p> <h2>You live in a good neighborhood</h2> <p>Some types of junk mail are sent to all residences in particular neighborhoods that are seen to be a good fit for what they are selling. You'll see lawn care and pest control services, high-end security alarm installation, and house cleaning deals addressed to you.</p> <h2>You're fixing up your house</h2> <p>Once you request information about one home improvement item, you'll likely start to get other offers as well, such as big ticket home improvement installations for doors, windows, siding, roofing, remodeling, and coupons from home improvement stores.</p> <h2>You bought a new car</h2> <p>If you buy a car from a dealer, your name can end up on a variety of mailing lists. Based on the date you purchased your car, you can get junk mail anticipating your next car purchase three or four years later. You'll get extended warranty offers, invitations for test drives, and contests you can enter if you stop by the car dealership.</p> <h2>You're an athlete or sports fan</h2> <p>If you buy sporting equipment by mail order or at a sporting goods store with delivery, your name and address can start to circulate on marketing lists for sporting goods, or fishing, hunting, and camping products.</p> <p>Or if you order tickets to watch your favorite sports team in action or sign up for a fan club, marketing companies will try to sell you other items related to your team, such as fan merchandise or event ticket offers.</p> <h2>You're a globe-trotter</h2> <p>Frequent travelers are a classic target for marketing via junk mail. If you're often seeing the world, once you get home you'll find vacation package offers, hotel club invitations, and frequent flyer program info in your mailbox. (See also: <a href="http://www.wisebread.com/the-best-credit-card-perks-beyond-points-and-miles?ref=seealso" target="_blank">The Best Travel Credit Card Perks Beyond Points and Miles</a>)</p> <h2>What are the best junk mail offers?</h2> <p>While most junk mail really is junk &mdash; either promotions for stuff you don't need, or offers that aren't a good deal anyway &mdash; sometimes the market research behind the junk mail works out, and you get an offer for a product you need at a price that makes sense, such as:</p> <ul> <li> <p>Credit card offers</p> </li> <li> <p>Balance transfer offers</p> </li> <li> <p>Loyalty programs</p> </li> <li> <p>Bank bonus offers</p> </li> <li> <p>Coupons for products that you buy regularly</p> </li> </ul> <h2>Can you sell your junk mail?</h2> <p>There is a lot of information that can be gleaned by studying junk mail, so much so that you can actually get paid to send in your junk mail for analysis. A company called Small Business Knowledge Center (<a href="http://www.sbkcenter.com/consumer.html" target="_blank">SBKC</a>) processes junk mail to identify marketing strategies and provide competitive intelligence to their corporate clients. (See also: <a href="http://www.wisebread.com/heres-how-to-earn-170-a-year-with-your-junk-mail?ref=seealso" target="_blank">Here's How to Earn $170 a Year With Your Junk Mail</a>)</p> <h2>How to get less junk mail</h2> <p>Many people don't find value in getting junk mail and would prefer not to waste the paper used to print it, or the time dealing with it. There are some actions you can take to cut down the amount of junk mail you receive.</p> <h3>OptOutPrescreen</h3> <p><a href="https://www.optoutprescreen.com/?rf=t" target="_blank">OptOutPrescreen</a> allows you to opt out of preapproved credit card offers. You will be asked to provide your social security number, but after you opt out, your name will not be reported in lists provided by the credit reporting companies to credit card marketers.</p> <h3>DMAchoice</h3> <p><a href="https://dmachoice.thedma.org/index.php" target="_blank">DMAchoice</a> is a service run by the Data &amp; Marketing Association (DMA) that allows you to cut down on the amount of direct mailings and catalogs you get. You can use their online tools to select which types of marketing materials you would like to receive &mdash; and which you don't want.</p> <h3>Catalog Choice</h3> <p>If you are plagued by too many catalogs filling your mailbox, <a href="https://www.catalogchoice.org/" target="_blank">Catalog Choice</a> is another resource to opt out of unwanted mailings. They will send opt out requests to merchants on your behalf for specific catalogs that you no longer want to get.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fwhat-does-your-junk-mail-say-about-you&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FWhat%2520Does%2520Your%2520Junk%2520Mail%2520Say%2520About%2520You-.jpg&amp;description=What%20Does%20Your%20Junk%20Mail%20Say%20About%20You%3F"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/What%20Does%20Your%20Junk%20Mail%20Say%20About%20You-.jpg" alt="What Does Your Junk Mail Say About You?" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/what-does-your-junk-mail-say-about-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-after-the-holidays-moves-your-credit-score-will-thank-you-for">5 After the Holidays Moves Your Credit Score Will Thank You For</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-reasons-i-still-dont-have-a-cellphone-plan-yet">6 Reasons I Still Don&#039;t Have a Cell Phone Plan (yet)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-the-fair-credit-reporting-act-protects-you">How the Fair Credit Reporting Act Protects You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/debit-or-credit-which-one-should-you-choose-at-the-checkout">Debit Or Credit? Which One Should You Choose At The Checkout?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-effortless-ways-to-prevent-budget-busting-impulse-buys">7 Effortless Ways to Prevent Budget-Busting Impulse Buys</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Consumer Affairs bills credit score junk mail mail paperwork shopping habits spending habits Wed, 04 Oct 2017 08:30:11 +0000 Dr Penny Pincher 2030769 at http://www.wisebread.com Here's How to Earn $170 a Year With Your Junk Mail http://www.wisebread.com/heres-how-to-earn-170-a-year-with-your-junk-mail <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/heres-how-to-earn-170-a-year-with-your-junk-mail" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_with_paperwork_000005210453.jpg" alt="Woman earning extra cash with junk mail" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Junk mail. It's the bane of my postal delivery existence. Chances are you hate it too, what with the insurance offers, vacation brochures, and more. It's a waste of paper, annoying, and you wish your mailbox had a chute that sent it directly to the recycle bin. That will all change, however, thanks to a company named&nbsp;<a href="http://www.sbkcenter.com/consumer.html">Small Business Knowledge Center (SBKC)</a>.</p> <p>Why? Because, SBKC will <em>pay you</em> for <a href="http://www.wisebread.com/how-to-remove-yourself-from-mailing-lists-and-eliminate-junk-mail">your junk mail</a>. You read that correctly. This company will pay you to send them your junk mail.</p> <p>Why would a company pay you to send them your most reviled pieces of mail? Because they conduct market research that focuses on direct marketing (junk mail) in an effort to spot trends and provide &quot;competitive intelligence&quot; to their clients. In other words, they need your mail to do their research and reconnaissance. That's great for people like you and me because it means that we can literally turn our junk mail into cash.</p> <p>Here's what you need to know.</p> <h2>What Kind of Junk Mail Does SBKC Want?</h2> <p>SBKC is looking for specific categories of junk mail. Lucky for most of us, what they want is very common and stuff we all probably receive multiple times per week.</p> <ul> <li>Insurance: Health Insurance, Life Insurance, Auto/Property Insurance, etc.<br /> &nbsp;</li> <li>Investments/Annuities: IRA/Rollovers, Mutual Funds, 401(k), Pensions, etc.<br /> &nbsp;</li> <li>Mortgage and Loans: Auto, Home Equity, Mortgage, Personal Loan, etc.<br /> &nbsp;</li> <li>Banking: Checking, Savings, Money Market, Certificates of Deposit, Rewards or Loyalty Programs, etc.<br /> &nbsp;</li> <li>Credit Cards: General Use Credit Cards and Charge Cards, Retail/Department Store Cards, Affinity/Rewards Cards such as Airline, Hotel, Alumni, Club/Association Cards, etc.<br /> &nbsp;</li> <li>Telecommunications: Wireless (network providers such as Verizon, AT&amp;T or manufacturers such as Samsung or Motorola), Wire-Line (Landline/Home Phone), TV/Cable, Satellite, Internet, IP/Internet Phone.<br /> &nbsp;</li> <li>Travel and Leisure: Hotels, Cruise Lines, Airlines, Car Rental Services.</li> </ul> <h2>How Does Someone Earn Money From Their Junk Mail?</h2> <p>SBKC members, called panelists, accrue points which are redeemed for rewards. Points are earned several different ways.</p> <ul> <li>Direct mail: Once accepted into their program, panelists will receive postage paid envelopes. Simply place the junk mail in an envelope and mail once a week.<br /> &nbsp;</li> <li>E-mail: Forward any qualifying e-mail to SBKC.<br /> &nbsp;</li> <li>Bonus opportunities: From time to time, SBKC will offer additional opportunities such as surveys and secret shopping.<br /> &nbsp;</li> <li>Referrals: Current members can earn additional points by referring others.</li> </ul> <h2>How Much Can You Earn From Junk Mail?</h2> <p>When panelists accrue 2,000 points, they can redeem those points for a $20 Visa prepaid gift card. SBKC sends out a monthly newsletter which includes point status and any bonus opportunities available. Each person's point accrual rate is different and depends on many factors, but according to SBKC's website, on average, panelists who participate frequently can expect to earn $20 worth of points every six to 10 weeks or so. That comes to about $100-$170 a year for junk mail.</p> <h2>How to Join SBKC</h2> <p>SBKC requires the completion of a short application. Applicants will first choose whether they want to apply as a consumer panelist or a business owner panelist (business owners have different opportunities to earn). The application, which is called a &quot;panelist profile,&quot; is simple and straight-forward. It asks for your name, address, date of birth, and income range.</p> <p>Applicants will receive a confirmation e-mail thanking them for submitting their panelist profile and a notice that SBKC will contact them once their application is processed, usually within one to two weeks (two to three weeks for Canadian residents). Once approved, new panelists will receive a welcome kit with program details and information to get them started.</p> <h2>What Else?</h2> <ul> <li>There is no limit to the number of qualified pieces that can be forwarded to SBKC to earn points.<br /> &nbsp;</li> <li>Not everyone is accepted into their program, so take the simple application process seriously. If they run out of space for applicants in certain geographic locations or they are at capacity for a specific demographic, you may be placed on a wait list.<br /> &nbsp;</li> <li>SBKC takes steps to protect the privacy of their panelists by scrubbing any identification from pieces that are forwarded, shredding documents when done, and promising no solicitation.</li> </ul> <p>This won't make you rich, but every dollar helps, especially when the money comes with such little effort. It looks like junk mail just became valuable.</p> <p><em>Are you a member of SBKC? What's your experience been like?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kim-owens">Kim Owens</a> of <a href="http://www.wisebread.com/heres-how-to-earn-170-a-year-with-your-junk-mail">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-money-recycling">Make Money Recycling: Get Paid to Recycle by 15 Websites</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/from-dumpster-diving-to-garage-sales-turning-trash-into-cash">From Dumpster Diving to Garage Sales, Turning Trash Into Cash</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-weird-things-to-sell-on-ebay-for-extra-cash">6 Weird Things to Sell on eBay for Extra Cash</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cash-for-trash-making-money-recycling">Cash for Trash: Making Money Recycling</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-ways-to-make-money-today">25 Ways to Make Money Today</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income junk mail postal recycling rewards program Fri, 08 May 2015 09:00:52 +0000 Kim Owens 1410185 at http://www.wisebread.com Eliminate Junk Mail With the Click of a Button http://www.wisebread.com/eliminate-junk-mail-with-the-click-of-a-button <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/eliminate-junk-mail-with-the-click-of-a-button" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/junk_mail.jpg" alt="Mailbox with junk mail" title="Mailbox with junk mail" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>On a good day, I&rsquo;ll see a postcard from my dentist, two magazines, and a freelance check in my mailbox. On a bad one, I&rsquo;ll be inundated with phone books, flyers, credit card offers, and even a fake certificate for 20% off a custom-made hearing aid. Generally, I&rsquo;ll dump the unwanted mailings &mdash; or &ldquo;junk&rdquo; mail &mdash; into my recycling bin before I even get into the house. But what if there was a way to easily access the mailing order for these items online and stop them before they get to me? (See also: <a href="http://www.wisebread.com/magazines-for-free-or-cheap">Magazines for Free or Cheap</a>)</p> <p>You might already know about some of the more basic tips for killing mailbox clutter, but did you know about all of them?</p> <h2>1. Sign Up to Get Less</h2> <p>Go to the <a href="https://www.dmachoice.org/">Direct Marketing Association&rsquo;s website</a> and sign up for their services. You could potentially reduce up to 80% of your junk mail by notifying them of each piece of mail you receive that you would rather not.</p> <h2>2. Opt Out</h2> <p>Be careful when you fill out forms for <a href="http://www.wisebread.com/sweeping-101-what-the-real-winners-know">sweepstakes</a>, <a href="http://www.wisebread.com/how-to-find-really-free-freebies">freebies</a>, or more information on products you know and love. Look for language on the form (usually at the bottom) that lets you know if you will be signing up for mailers, including emails. There should be a box to check or uncheck to remove yourself from further communications. Make sure you indicate your preferences.</p> <h2>3. Cut Credit Offers</h2> <p>Address issues with unsolicited &ldquo;preapproved&rdquo; credit offers by going directly to the company that could remove your name and credit info from the lists sent out to companies. <a href="https://www.optoutprescreen.com/">OptOutPrescreen.com</a> is the place to go to sign up for a five-year or even a lifetime halt to having your info circulated. While it will take time to see a reduction in offers, it can eventually put a dent in the junk mail.</p> <h2>4. Challenge Charities</h2> <p>Yes, they can do good things.They can also place a combined total of 2-10 phone calls a day to the average household! If charity request phone calls are driving you batty (and the accompanying solicitation mail pieces feel wasteful and intrusive), use this <a href="http://www.charitywatch.org/articles/fundraising.html">&ldquo;fundraising reduction notice&rdquo;</a> to alert charities that you will be glad to continue sending gifts (if you already do), but don&rsquo;t need the extra communication.</p> <h2>5. Cull Catalogs</h2> <p>Big, thick catalogs and those unnecessary phone book mailings are the worst offenders to your cramped mailbox (and the environment). Get proactive with the next batch of unwanted mailings by signing up with <a href="http://www.catalogchoice.org/">Catalog Choice</a>. They can do a search by ZIP code or company name to find out what mass mailings are being delivered to all the mailboxes in your area, then help you to say &ldquo;no.&rdquo; They can also give you the tools to reject future mailings from virtually any company as well. (Their efforts to reduce waste <a href="https://www.catalogchoice.org/communities">by community</a> are impressive.)</p> <p>While you&rsquo;re waiting around for your efforts to pay off &mdash; with a reduction in <a href="http://www.wisebread.com/capital-one-whats-in-your-envelope">unnecessary packaging</a> and a big break for the mail carrier &mdash; why not check out these additional resources? You can find more info on the process of cutting clutter in the mailbox at <a href="http://www.ecocycle.org/junkmail/index.cfm">Ecocycle.org</a> and revisit some ways to unsubscribe by the good, old-fashioned telephone and postal mail in Nora's take on <a href="http://www.wisebread.com/how-to-remove-yourself-from-mailing-lists-and-eliminate-junk-mail">reducing mailings</a>.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Feliminate-junk-mail-with-the-click-of-a-button&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FEliminate%2520Junk%2520Mail%2520With%2520the%2520Click%2520of%2520a%2520Button.jpg&amp;description=Eliminate%20Junk%20Mail%20With%20the%20Click%20of%20a%20Button"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Eliminate%20Junk%20Mail%20With%20the%20Click%20of%20a%20Button.jpg" alt="Eliminate Junk Mail With the Click of a Button" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/eliminate-junk-mail-with-the-click-of-a-button">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-ways-to-ban-spam-and-stop-junk">3 Ways to Ban Spam and Stop Junk</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/organize-8-key-areas-of-your-life-with-these-17-smart-apps">Organize 8 Key Areas of Your Life With These 17 Smart Apps</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-5-apps-will-help-you-finally-organize-your-money">These 5 Apps Will Help You Finally Organize Your Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-ssn-can-now-be-accurately-guessed-using-date-and-place-of-birth">Your SSN Can Now Be Accurately Guessed Using Date and Place of Birth</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-refill-an-ink-cartridge-with-a-small-piece-of-tape">How to refill an ink cartridge with a small piece of tape</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Organization Technology get rid of clutter junk mail postal service Mon, 27 Jun 2011 09:48:47 +0000 Linsey Knerl 592319 at http://www.wisebread.com 3 Ways to Ban Spam and Stop Junk http://www.wisebread.com/3-ways-to-ban-spam-and-stop-junk <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-ways-to-ban-spam-and-stop-junk" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/Junk Mail.JPG" alt="" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>&nbsp;</p> <p><embed width="480" height="300" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" src="http://blip.tv/play/kjqBq6gWAg%2Em4v"></embed></p> <p>I work at home,&nbsp;often under high pressure,&nbsp;so I'm not fond of&nbsp;interuptions. And yet they come constantly:&nbsp;spam emails&nbsp;that&nbsp;bury ones&nbsp;I need to see,&nbsp;stupid junk mail I have to sort through, people knocking at my door trying to sell me everything&nbsp;from steak&nbsp;to magazines and phone calls from people trying to sell me something.&nbsp;&nbsp;I'm mad as hell and not going to take it any more!&nbsp;How about you?&nbsp;</p> <p>On the phone front, we finally acheived a partial victory in September when&nbsp;the Federal Trade Commission finally passed a ban on &ldquo;Robo-calls.&rdquo; Telemarketers can be fined up to $16,000 for some of these exceedinly irritating solicitations. But not all robo-calls are banned. You can still&nbsp;get them from politicians, some non-profits and various others.</p> <p>But there are steps you can take to at least curtail&nbsp;live telemarketers on the phone, spam in your email box and junk in your&nbsp;mailbox.&nbsp;</p> <h2>Junk &quot;snail mail&quot;</h2> <p>To stop junk &ldquo;snail mail&rdquo; for redit or insurance, you either go to <a href="http://optoutprescreen.com/" target="_blank">optoutprescreen.com</a>, or call 888-5OPTOUT. That doesn&rsquo;t stop all junk: mainly just credit card solicitations. (And the economy has already stopped a lot of those.) But it will help.</p> <h2>Spam email</h2> <p>When it comes to email, sign up for a personal account to share with people you trust and a private account to use online when you shop or post. Then don&rsquo;t ever give out the private one. Ever.</p> <h2>Telemarketers</h2> <p>What about unsolicited phone calls? Your defense here&nbsp;is the &ldquo;do-not-call list.&rdquo; Put your name on it by going to <a href="http://donotcall.gov/" target="_blank">donotcall.gov</a> or calling 888-382-1222. And if someone does call you after your name is on that list, report them to the BBB or FTC.</p> <p>Also:&nbsp;once a year you&rsquo;re going to get mail from lenders and other companies you do business with, asking if it&rsquo;s ok for them to share your personal information with other companies. <strong>Don&rsquo;t throw these away unread</strong>: return them and to quote Nancy Reagan: &ldquo;just say no.&rdquo;</p> <p>As for people on the porch?&nbsp;Next time I'm at the hardware store, I'm investing in a &quot;No Soliciting&quot;&nbsp;sign. Pity the idiot who ignores it.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/stacy-johnson">Stacy Johnson</a> of <a href="http://www.wisebread.com/3-ways-to-ban-spam-and-stop-junk">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/eliminate-junk-mail-with-the-click-of-a-button">Eliminate Junk Mail With the Click of a Button</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/18-surprising-ways-your-identity-can-be-stolen">18 Surprising Ways Your Identity Can Be Stolen</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-ssn-can-now-be-accurately-guessed-using-date-and-place-of-birth">Your SSN Can Now Be Accurately Guessed Using Date and Place of Birth</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/stop-making-these-8-risky-password-mistakes">Stop Making These 8 Risky Password Mistakes</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/attempts-to-escape-the-clutches-of-online-data-aggregators">Attempts to Escape the Clutches of Online Data Aggregators</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Technology junk mail Robo-calls spam Fri, 20 Nov 2009 16:42:13 +0000 Stacy Johnson 3856 at http://www.wisebread.com Capital One: What’s In Your Envelope? http://www.wisebread.com/capital-one-whats-in-your-envelope <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/capital-one-whats-in-your-envelope" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/capital one waste.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="213" /></a> </div> </div> </div> <p class="MsoNormal">Just when I thought credit card companies couldn&rsquo;t get any more wasteful, I received the mother of all credit card offers in the mail.<span> </span>Excited by what I thought was something worthwhile in a rather thick envelope, I got duped.<span> </span>And the contents weren&rsquo;t even worth reusing&hellip;..</p> <p class="MsoNormal">Unlike many, I eagerly await my mail each day.<span> </span>Since most of my bills are paid online, if the postman is bringing it, I can expect it to be freshly-paid freelance invoices or the occasional trade mag.<span> </span>Of course, there is usually one or two credit card offers tossed into the mix (which I promptly discard, unopened, into the trash/recycle bin.)</p> <p class="MsoNormal">Yesterday, I received a rather unusual envelope from Capital One.<span> </span>It was standard yellow and almost passed through into the trash, until I took a moment to feel it.<span> </span>It was thick, a little squishy, and had me thinking that maybe (just maybe) there was something inside of interest.<span> </span>It <strong><em>was</em></strong> thick, after all.<span> </span>(Could it be a free mousepad?)</p> <p class="MsoNormal">I can&rsquo;t even believe I took the time to open it.<span> </span>Inside was the standard &ldquo;blah,blah,blah&rdquo; 0% for so many days credit balance transfer offer with return envelope.<span> </span>And one sheet of bubble wrap.</p> <p class="MsoNormal">The spendthrift in me immediately became irritated.<span> </span>Why waste the plastic this flimsy, worthless sheet of bubble wrap was made with to send me this?<span> </span>Did they really think that all I needed to do was see this offer to become swept away by their financing?<span> </span>Since I usually recycle any and all packing materials for my own mailings, I examined the barely usable piece of wrap (which couldn&rsquo;t protect a toothpick.)<span> </span>Not even the envelope could be used again.<span> </span></p> <p class="MsoNormal">Now that I&rsquo;m on to their scheme, what will they do next to get my attention?<span> </span>Skywriting?<span> </span>Messages in a bottle down the Missouri River? <span> </span>Tattoo placement on newborn babies?<span> </span>This left me considering one of Paul&rsquo;s unorthodox methods to let them know it was an unappreciated gesture.<span> </span>Sure, the 3 sheets of paper the offer was printed on made it to me unscathed (thanks to that trusty bubble wrap), but this is a big step backwards in practicing conservation and waste-reduction.</p> <p class="MsoNormal">I&rsquo;ll be opting out of future offers from now on, and maybe I should contact all my other card companies before they start getting any (really bad) ideas.<span> </span>What other wasteful things are you seeing in your mailbox?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/capital-one-whats-in-your-envelope">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/do-we-really-need-help-in-getting-more-debt">Do we really need help with getting more debt?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-the-fair-credit-reporting-act-protects-you">How the Fair Credit Reporting Act Protects You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/uk-banks-are-blocking-customers-credit-cards-will-the-usa-be-next">UK banks are blocking customers&#039; credit cards. Will the USA be next?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/new-credit-card-legislation-buzz-interview-wall-street-journal">New Credit Card Legislation Buzz: An Interview with Wall Street Journal’s Mary Pilon</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-cant-save-if-you-dont-try">You Can’t Save if You Don’t Try</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Consumer Affairs consumer affairs credit cards junk mail waste Fri, 11 Jul 2008 11:07:06 +0000 Linsey Knerl 2229 at http://www.wisebread.com Junk Mail revenge part 1 - Make fast cash reselling junk mail. http://www.wisebread.com/junk-mail-revenge-part-1-make-fast-cash-reselling-junk-mail <p>If you're anything like me, you hate opening your mailbox to see a whole pile of junk mail waiting for you. Credit Card offers (<a href="/junk-mail-revenge-part-2-its-war">more on those in part 2 of this series</a> ), fake checks from mortgage firms, endless reams of useless coupons and, of course, the trusty 1lb envelope of garbage from ValPak. But a friend recently told me of a hidden gem inside the ValPak envelope. A gem that's worth at least $20.</p> <p><strong>The voucher that's like Wonka's golden ticket. </strong><br /> Inside ValPak envelopes (depending on your zip code) is a voucher from Northwest Airlines. It looks something like the picture below (I apologize for the poor quality, it's the best pic I could find anywhere on the web).</p> <p><img width="343" height="127" title="NWA voucher" alt="NWA voucher" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/wisebread_imce/nwavoucher.jpg" /></p> <p>Now, what this voucher does is give the redeemer anywhere from $25 to $100 off of a Northwest Airlines flight. Great, if you happen to be in the market for a flight. If you're not, which is probably the case, you'll trash it. But using the mighty reach of eBay you can find hundreds of people who desperately want to save cash on a flight. And that means quick money for the smart eBayer.</p> <p><strong>M</strong><strong>aking the quick buck(s).</strong><br /> All you have to do is list your Northwest Airlines voucher on eBay. As you can see, completed listings (for eBay novices, those green prices are the final SOLD price for the item) are averaging $20-$25.</p> <p><img width="440" height="336" title="Compare listings" alt="Compare listings" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/wisebread_imce/Picture_5_1.png" /></p> <p>That's cold, hard cash for a voucher that was sent to you free in the mail. List the item for a starting price of around $18.99 and give FREE shipping (it's just the cost of a stamp anyway). You may also want to do a Buy It Now option for $19.99. It's all up to you.</p> <p><strong>Get vouchers from friends, make even more money.</strong><br /> Most people will be more than happy to give you their ValPak envelopes, if they haven't already dumped them in the garbage. You could get 5 or 6 NWA vouchers and sell them in seperate auctions, or list them as &quot;5 available&quot; in one auction. Either way, that's at least $100 lovely dollars from something that used to be a pain in your butt.</p> <p>Now, prepare for something you've never experienced before in your life. Get ready to be happy to see junk mail in your mail box. Next time, starting the Junk Mail war.</p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/junk-mail-revenge-part-1-make-fast-cash-reselling-junk-mail">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/22-reasons-to-write-a-letter">22 Reasons to Write a Letter</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-weird-things-to-sell-on-ebay-for-extra-cash">6 Weird Things to Sell on eBay for Extra Cash</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-does-your-junk-mail-say-about-you">What Does Your Junk Mail Say About You?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-rid-of-your-junk">How to Get Rid of Your Junk</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-awesome-art-of-getting-great-deals-online">The Awesome Art of Getting Great Deals Online</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Deals airlines codes coupon eBay junk junk mail mail NWA offers ValPak voucher Mon, 09 Jul 2007 20:13:14 +0000 Paul Michael 820 at http://www.wisebread.com