While most adults in the U.S. receive large amounts of junk mail, the biggest target tends to be seniors over age 65. If youd like to avoid these invasions, try these tips.
Junk Mail
To help you scrub your name and address from marketers mailing lists start with the Direct Marketing Association, whicho offers a consumer opt-out service at www.dmachoice.org/mps.
This wont eliminate your junk mail (because many direct mailers arent association members) but it will reduce it. The fee for this service is $1. If youre willing to pay a little more try Greendimes.com, a savvy resource that for $20 promises to reduce your junk mail up to 90 percent and will plant 10 trees on your behalf. Also see 41pounds.org which charges $41 for a five-year anti-junk mail plan.
De-catalogue
To reduce or eliminate the paper catalogs you receive go to Catalogchoice.org, a free new service that does the work for you. Stopthejunkmail.com is another good service but charges a $20 fee.
Other options include calling the catalogs toll-free number and asking to be taken off its list have the customer number from your mailing label handy when you call. Or you can tear off the page with the mailing label and mail it to the retailer with a request to be removed from its mailing list.
Credit Card Offers
Are credit card offers clogging your mailbox? You can shut them down with the opt-out service run by the major credit bureaus at www.optoutprescreen.com or call 888-567-8688. Be prepared to key in your Social Security number and date of birth.
Youll have the option of removing your name either for five years or permanently from pre-screened marketing lists sold to credit card companies and insurers.
You can also prevent financial institutions and other companies from sharing or selling information about you. Look for the privacy notices (sent once a year) that should come with your statements and follow their instructions. You should have to opt out only once with each institution.
Can the Spam
To cut down on the junk e-mail you receive, register your e-mail addresses at www.dmachoice.org/EMPS. And check your e-mail account to see if it provides a tool to filter out potential spam or a way to channel spam into a bulk e-mail folder. Also see www.ftc.gov/spam for more tips.
Telemarketing Protection
Youre probably already aware of the National Do Not Call Registry, which has helped millions of Americans reduce their telemarketing calls.
If not, you can sign up at www.donotcall.gov or by calling 888-382-1222. If you already signed up, you dont need to reregister. Sign-ups were supposed to expire after five years, but the FTC expects to make registration permanent. The registry however will not stop calls by charities, politicians, survey takers or companies that have a prior business relationship with you.
In addition to the national registry, many states operate their own do-not-call program. Go here for a list of state programs.
Be Stingy
Be very picky about sharing your information. Every time you order something online, check the sites privacy policy and avoid sites that dont let you opt out of advertising or ones that are looking to share or sell your information to others.
Also, be wary about signing up for freebies, sweepstakes or contests, online or off, because many are simply ploys to collect contact information for marketing purposes. And always write no mailing list on product warranties or rebates you send in.
Savvy Tips: Another good resource on this topic is the World Privacy Forum, a nonprofit group that offers a top 10 list of opt-outs. And if identity theft concerns you, you can freeze your credit files by mailing a certified letter to the three credit bureaus. See www.financialprivacynow.org for more information.
---Jim Miller is a contributor to the NBC Today show and author of The Savvy Senior books.
