This letter really did come in the mail today. That’s crazy to me. I don’t get as many credit card solicitations per week as I used to when I had a job, or even when I didn’t have a job but the economy was great, but I still get a lot. Random companies just offering me a one time loan at 38% APR is a new one for me. These terms seem not good, but I guess they’re so favorable to the lender that they can afford to send out 1000s of these letters on the chance that 1 person with credit that’s not good enough for a credit card but still good enough for these people will consider this a good way to get some fast cash.
The other thing I get in the mail a lot, besides people offering to loan me money I don’t want to borrow, is people asking me to give to charitable causes. I do donate money to charity, but some of these places, while highly rated for spending responsibly, seem to waste a lot of resources asking me for *more* money. But I’m gonna give when I’m gonna give, and your dead tree missives have no effect on that. I don’t need 3 pleas a week; save that money and use it in lieu of a donation.
On the plus side, that means my name is on the list for a lot of poorly managed charities, by which I mean organizations to which I have never and will never send money, but who nonetheless send me free “gifts,” primarily saccharine greeting cards and flashy address labels.
I should do a post displaying my collection of free address labels. It’s pretty extensive at this point. I’ve never bought address labels. I actually don’t think it really takes that much effort to write my name and address. But, hey, everyone want to give them to me for free.
What a weird world. It seems like there’s more than enough for everyone, and yet we have really pervasive distribution issues.