I am tracking Fall in PA this year by taking photos of the same subject over the entire season. This is the first of the set taken last Sunday, the 28th of August, 2005.
Tuesday, August 30, 2005
Fall Tracker: 08-28-2005
I am tracking Fall in PA this year by taking photos of the same subject over the entire season. This is the first of the set taken last Sunday, the 28th of August, 2005.
Monday, August 08, 2005
No hassle or too much hassle
If you live in the US, you probably are groaning even thinking about it. If you work in India as a software engineer or as a professional in a big city, you pretty much know what I am talking about. Why do the credit card companies torture us with the unending mailers for pre-approved credit card offerings?. I have had days when I got 4 of them. On an average I get about 10 pre-approved card applications a month. And that doesnt include the ancillary credit card offerings like magazine subscriptions and credit protector schemes and what not. I have cursed them so many times, and still fallen short of how many preapproved applications I have received from them.
The bad news is that it never gets better. As your credit improves, the offers pour in more and more. The good news is that you can actually stop this mail bombardment. The credit bureaus offer you a choice of phone in (1-888-5-OPTOUT), mail in or an online mechanism of opting out of receiving the applications. All methods come with a big caveat- revealing your social security number. While there is no obvious threat to doing so, such a move needs to be done judiciously. Here are some websites to help in the decision making process.
http://www.kuro5hin.org/story/2004/3/1/13940/79585
http://www.privacyrights.org/fs/fs24a-optout.htm
http://www.privacyrights.org/fs/fs24-finpriv.htm
https://www.optoutprescreen.com/?rf=t
Hope this helps. And as a friend told me, never trash your preapproved card offers as is. Shred them to avoid any possibility of privacy theft.
Update: As per a legal ruling, the preapproved ads I have been getting since August last week (after the time of this posting) give me the option of opting out from the ads. The notice bears the aforementioned number and website for the same.
To opt out of telemarketing calls, please use www.donotcall.gov. Its very effective.
The bad news is that it never gets better. As your credit improves, the offers pour in more and more. The good news is that you can actually stop this mail bombardment. The credit bureaus offer you a choice of phone in (1-888-5-OPTOUT), mail in or an online mechanism of opting out of receiving the applications. All methods come with a big caveat- revealing your social security number. While there is no obvious threat to doing so, such a move needs to be done judiciously. Here are some websites to help in the decision making process.
http://www.kuro5hin.org/story/2004/3/1/13940/79585
http://www.privacyrights.org/fs/fs24a-optout.htm
http://www.privacyrights.org/fs/fs24-finpriv.htm
https://www.optoutprescreen.com/?rf=t
Hope this helps. And as a friend told me, never trash your preapproved card offers as is. Shred them to avoid any possibility of privacy theft.
Update: As per a legal ruling, the preapproved ads I have been getting since August last week (after the time of this posting) give me the option of opting out from the ads. The notice bears the aforementioned number and website for the same.
To opt out of telemarketing calls, please use www.donotcall.gov. Its very effective.
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