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HOW TO STOP JUNK MAIL/JUNK CALLS

DO IT YOURSELF--STOP JUNK MAIL!!!

The volume of paper junk mail sent each year in the USA is staggering.

ü  The average person gets 1 personal letter each week, and 11 pieces of junk mail. 

ü  44% of all junk mail is thrown in the trash, unopened and unread.

ü  Each person will receive almost 560 pieces of junk mail this year--that's 4.5 million tons of junk mail produced each year!

ü  Approximately 40% of the solid waste in landfills is paper and paperboard waste; by the year 2010, it is predicted to make up about 48%.

ü  100 million trees are ground up each year to produce junk mail.

The world’s forests (and the critters that live in them) are feeling the strain.  According to World Watch Institute, 80% of all natural forests in the world have vanished, at the same time that up to 50% of all landfill waste is wood and paper. Junk mail transforms standing forests into landfill waste. Even if you recycle junk mail, there are still huge environmental costs such as ink, the energy to produce and deliver it, and forest loss. 

With just a few minutes of your time, you can immediately take the following actions to dramatically reduce the junk mail you receive, and thereby reduce your impact on the earth.  Taking the first four steps alone will reduce your junk mail load by up to 80% within six months.  Additional steps are provided that will reduce your load even further.

STEP ONE:  WRITE TO DIRECT MARKETING ASSOCIATION

Send a letter to: Direct Marketing Association, Mail Preference Service, P.O. Box 9008, Farmingdale, NY  11735-9008.  Request that they “activate the mail preference service.”  List your complete name, address and zip code. Junk mail may reach your home with several variations of your name and address, so be sure to list every variation. It helps to throw all the junk mail you receive into a file folder for two weeks to see how many different ways junk mail is reaching you.

This is a powerful action: listing with mail preference service will stop 75% of all national mailings.  DMA processes 50,000 requests a month, and requests are kept active for five years.  It may take up to six months before you notice a reduction in the junk mail you receive from taking this action, so DO IT NOW and be patient. 

STEP TWO: STOP UNWANTED CREDIT CARD OFFERS

Credit card companies may get the award for sending the most unwanted junk mail.  Stopping this is one phone call away.  Call toll-free, 24 hours a day:  888/5OPT-OUT (888/567-8688) to get your name off the lists of the major credit bureaus. You will be prompted by a computerized system and will be asked to supply your current address, former address within two years, and your social security number. You can choose to have your name removed from their mailing list service for two years or permanently.

STEP THREE: TAKE DIRECT ACTION

First Class?  Send it Back Unopened!  If you did not request the mail and don’t want it, DON’T OPEN IT! Pencil out your address and bar code, circle the first class postage and write on the envelope: "refused: return to sender.” Do not add any additional postage. Drop in any mailbox and it will be returned to the sender, forcing them to pay return postage, which provides them with a clear incentive to get you off their list.  This technique only works with unopened first class mail.

Send it Back Using the Postage Paid Envelope Inside:  If you’ve already opened the letter and there is a postage-paid return envelope enclosed, circle your name and bar code on the enclosed return form, write next to your name and address:  “stop junk mail; remove from list.”  Put the return form in the postage-paid envelope they’ve included and drop it in the mail.

Bulk Junk Mail:  The post office throws away bulk mail it can't deliver, so returning it does no good. However, if "address correction requested" is written on the label, circle "address correction requested" and treat it like first class mail by writing “refused: return to sender” and drop in a mailbox. 

STEP FOUR:  STOP MAIL TO FORMER RESIDENTS

To eliminate mail that comes to former residents, take these two steps.

Bulk Mail:  Send another letter to DMA Mail Preference Service, PO Box 9008, Farmingdale NY 11735-9008.  Write: “please activate the mail preference service” and include the name of the former resident, and the address and zip code (yours) that the junk mail is being mailed to. 

First class and some bulk mail: If the former residents neglected to fill out a Post Office change of address card, you can fill one out for them. Fill out one card for each unique last name. Write: "Moved, Left No Forwarding Address" as the new address. Sign your own name and write: "Form filled in by current resident of the house, [Your Name], agent for the above". You must write "agent for the above". Hand this form directly to your carrier if possible, as your carrier must approve the form and see that it gets entered into the post service National Change of Address (NCOA) database. Entries remain active for a year and half. This is very effective.

These four steps will eliminate most of your junk mail, but unwanted may still slip through the cracks.  Follow the steps below to further reduce mail clutter.

GENERAL TECHNIQUES

Virtually all organizations sell your name unless you specifically ask them to stop. Here are some powerful ways to ask them to stop.

Be Clear:  Whenever you donate money, order a product, or fill out a warranty card, write in large letters, "Please do not sell my name or address."

Don’t Return Warranty Cards:  Product warranty cards are used to target direct mail to you. They are not required in most situations - avoid sending them. 

Donations by Telephone:  If you donate by telephone, say "Please mark my account so that my name is not traded or sold to other companies."

Call Your Credit Card Company:  Ask them to stop selling your name.

Avoid Filling out “Contest” Entry Forms:  "Contests" where you fill in a little entry blank are almost always fishing expeditions for names. Avoid these.

Catalogs:  You can go to most companies’ website, click on customer service, and send them an email asking that you be removed from their catalog mailing list.  Or, call the company's 800 number and tell them to take you off their list. 

America Online Discs: These unwanted discs are particularly material intensive. Call 1-800-827-6364 to get off the list.

Publisher's Clearinghouse Sweepstakes:  Get the Clearinghouse to stop clogging your mailbox by calling customer service at 1-800-645-9242 (8:30 am to 8:30 EST), mailing to 101 Channel Drive, Port Washington, NY 11050, or send an email to pch@ant.net.   PCH will remove any number of names from a specific address, but you have to list each name exactly.

Local Business & Supermarket Fliers: Postal regulations mandate that all mailings be identified. Locate the address card -- the cards usually have an advertisement and a photograph of a missing child. Call directory assistance to get the phone number of the sender, and call to get off the list.

Val-Pak Coupons:  Val-Pak may be contacted at 1-800-676-6878, or by snail mail at 1661 Worcester Rd, Framingham MA 01701.

ADVO:  Get off this junk mail list by sending a signed letter to ADVO Consumer Assistance, P.O. Box 249, Windsor, CT, 06095.  Ask to be deleted from their mailing list, and then list your name and address.  Takes 6-8 weeks to activate.  www.advo.com; 1-888-241-6760.

STOP UNWANTED PHONE SOLICITATIONS

Write to DMA Telephone Preference Service:  You ca decrease the number of annoying telephone solicitations by sending a postcard or letter with your complete telephone number including area code, address, and names of people receiving calls to DMA Telephone Preference Service, PO Box 9014, Farmingdale NY 11735-9014.  Ask them to ”activate the telephone preference service.”

You can interrupt an unwanted telephone marketing call at any time by simply saying, “Please permanently remove me from your calling list." This one statement will almost always stop a telemarketer in their tracks.  If they call back, they are violating the law. Ask them for their company name, supervisor name and phone number and tell them you will be submitting a complaint to the Federal Trade Commission.

 

The Trees Will Thank You For Reducing Your Environmental Impact!!!

Information sources for this guide:

Brown, et.al., State of the World 1998, World Watch Institute, Washington, D.C.  www.worldwatch.org

http://www.obviously.com/junkmail/

http://www.nativeforest.org/campaigns/recode/junkmail.html

http://www.newdream.org/

This Stop Junk Mail guide prepared by Carol Misseldine, Sustainability Consultant, Mill Valley, CA.  Your comments, success stories and questions are welcome.  cmisseldine@mindspring.com. 

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All I want for New Years is a New Front Porch... and maybe a house to go with it...

The weather outside may be frightful, but that doesn't mean home shopping at this busy time has to be.

Fewer homes may be on the market around the holidays as sellers take some time off to enjoy the season with their family, and fewer open houses are held during the often freezing, messy weather.

But shopping for a home at this overlooked time of year has a few perks, says a past president of the National Association of Realtors.

• Sellers who keep their homes on the market at this time are very motivated.
• You have less competition from other buyers than you would in the spring.
• Lenders, agents and others have more time to work with you.
• Interest rates are typically lower than in the spring.
• Right now home prices and interest rates have never been lower! Plus, did you know that if interest rates go up 1%, your monthly payments increase 10%?
  

And best of all, although moving during the dead of winter might pose some other challenges, relaxing on the porch of your completely unpacked home when the weather warms up is priceless.

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Are You Pre-Qualified or Pre-Approved? | REALTOR.com® Blogs

Are You Pre-Qualified or Pre-Approved? | REALTOR.com® Blogs: "- Sent using Google Toolbar"

Check Out this Great Article from Realtor.com

Are You Pre-Qualified or Pre-Approved?

New buyers often confuse the two terms, but they are not the same and not knowing the difference can result in losing out on your dream house, says REALTOR® Karen Weldin of Lake Eufaula, Oklahoma.

“Often times when I am working with a buyer (and sometimes in my communication with other real estate professionals) I hear the words ‘pre-qualified’ and ‘pre-approved’ interchangeably. Do you know the difference between the two? It is very important before you start looking at houses or contact a real estate professional that you get at least pre-qualifed and better if you will get pre-approved.

Being pre-Qualified means that you have talked to a lender or mortgage broker and verbally given them some information that allows them to make an informal determination of the amount of mortgage you can afford. The decision is based on the information you tell them.

Being pre-approved is a guarantee in writing from a lender or mortgage broker that you will be granted a loan up to a specified amount based on information you have told them and based on information they have requested from you as proof to your financial situation.

There are advantages to you being pre-approved for a loan prior to looking at houses: 1) Many Realtors will not show you property without a pre-qualification letter. 2) Sellers will find your offer on a home much more inviting if they know you are already pre-qualified. 3) The length of time between signing and contract and closing on the transaction can be shortened if you are already pre-approved. ”

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Have a Rental Property? Here's information you NEED to know.

Dec5 - 1099s Required for 2011 Payments

Small Business Jobs Act enacts new provision: 1099s will be required for 2011 payments
The recently enacted Small Business Jobs Act includes a provision related to reporting requirements of rental property expense payments. After Dec. 31, 2010, the new law requires those who receive rental income from real property to file 1099s with the IRS for service providers such as plumbers, painters and accountants, who receive more than $600 in payments over the course of the year. Even though the 1099 forms will not need to be issued until early in 2012, it will be necessary to begin keeping track of payment information on Jan. 1, 2011, and to collect completed w-9 forms from service providers to obtain their names, addresses and taxpayer identification numbers.   Exceptions are provided for individuals renting their principal residences (including active members of the military), taxpayers whose rental income doesn't exceed an IRS-determined minimal amount, and those for whom the reporting requirement would create a hardship (under IRS regulations). 
Included in the provision is an increase in penalties for failure to file 1099s with the IRS. For further information, contact your tax accountant


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Featured Mortgage Rates

Featured Mortgage Rates: "- Sent using Google Toolbar"


Today's Mortgage Rates show that a 30 year fixed loan has gone UP to 5%. If you are someone who has been thinking about whether or not to get into the housing market for either a home purchase or for an investment property, don't delay. Monthly payments rise with every partial % point.


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REALTOR® Magazine-Daily News-New Lending Guidelines Benefit Young Borrowers

REALTOR® Magazine-Daily News-New Lending Guidelines Benefit Young Borrowers: "- Sent using Google Toolbar"

New Lending Guidelines Benefit Young Borrowers
Under Fannie Mae's new lending guidelines, which will take effect Dec. 13, securing a mortgage will become easier for some borrowers and more difficult for others.

These new rules will allow buyers to use gifts and grants from nonprofit groups for their minimum 5 percent down payment. Freddie Mac is also considering similar new guidelines, according to spokesman Brad German. Borrowers previously were required to contribute a minimum 5 percent down payment from their own funds, with additional down payment money permitted from a gift.

These new rules are "definitely going to help upgrade buyers and young couples who for whatever reason don’t have enough money and are getting some from their families," said Edward Ades, the owner of broker Universal Mortgage. The gift rules apply only to single-family principal residences and cover mortgage amounts in excess of 80 percent of the property’s value. The loan balance also has a limit of $729,000 in high-cost areas like New York City and $417,000 in other areas.

At the same time, Fannie Mae is cracking down on debt-to-income ratios, with the maximum ratio for those seeking a conventional mortgage set to drop from 55 percent to 45 percent under the new guidelines. Fannie Mae is also increasing its scrutiny of payment histories on revolving debt, and buyers who have missed a payment will have 5 percent of the total balance added to their ratios.

Under the new rules, borrowers who have gone through foreclosure will be excluded from obtaining a Fannie-backed loan for seven years, an increase from the previous limit of four years.

Source: The New York Times, Lynnley Browning (11/21/10)

© Copyright 2010 Information Inc.

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