Junk Mail

I just realized that the only pieces of mail I get everyday now are junk mail. I guess no one sends things in the mail anymore. E-cards, E-mail, E-bills, E-this, and E-that. Everything is electronic nowadays. I actually don't mind getting junk mail. Well, maybe only certain kinds. I like the colorful and full print advertisements for upcoming sales and discount coupons. Even restaurant menus are Ok. Those especially come in handy when ordering take-out.

What I hate the most of all junk mail are those annoying re-finance interest rate notices I get day in and day out. First of all, they usually have on the envelope the words, "IMPORTANT: DATED MATERIAL," underlined. They try to make the letter more important than it really is. Inside the letter, the typical words:

"We can save you hundreds on your current mortgage from ABC Bank! 30-year fixed interest rate is only 6.8%, blah blah blah. "

I guess it would have been important to me if I can actually save a few hundred bucks for the next 30 years. But the truth of the matter is that I've already re-fied multiple times since I took out a loan with ABC Bank. Since then I have had loans with DEF Bank, GHI Bank, all the way down to XYZ Bank already. And why would I refinance against a 6.8% rate if I currently have a 5.3% rate??

I suppose that the word, "dated," on the envelope refers to how dated the information they actually have on their records! My two cents to those people sending me those junk mail is that if you really want to extract business from me, get your numbers straight!! Get your records current!! It's nothing more embarrassing than to have your customers think that you are stupid. Or outright incompetent. So unless you can get your records straight, it's best to divert your investment from buying stamps for junk mail to upgrading your system instead. Now, that's the smart thing to do.