Did you ever notice how when you move and submit one of those change-of-address forms, your new mailbox is automatically inundated with tons of ads for unnecessary crap?
Entreaties to sign up for services like the Gravel of the Month Club or the Build Your Own Roof Shingles Club or Plastic Potted Plants R Us, things you’ve clearly never expressed any interest in in your entire life.
It’s just the machine cranking into gear. They know where you live, so it’s an excuse to sell you things. And as we all know, if they are advertising something, you don’t need it.
(This also highlights a good reason why I use a PO Box, although it didn’t totally help me in this situation.)
A different kind of machine cranked into gear with me recently, since I am the proud owner a new
mortgage home. Since I’ve just spent hundreds of thousands of dollars (or at least promised to pay as much), I guess companies smelled fresh blood or something.
I got a letter in the mail the other day with the heading in both bold, underline, and what I call “inconsistent caps case”. It read:
Eliminate Years and Save Thousands of Dollars in Interest on your loan
Oh give me a break. Really.
It was, as I had expected, the venerable accelerated payment plan. Which I already knew was a bad move, but hear me out to learn why.