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Home » Computers And Internet Articles » Agree To Be Spamfree

Agree To Be Spam-Free

Spending on commercial email ballooned to $7.3 billion in 2005 from $164 million in 1999." - Jupiter Communications

The use of email is an important tool in maintaining positive client relationships. Some emails are sent individually and personally, however some are sent in bulk and that's when difficulties show up for business interests.

Many simply mass email systems are immediately sent to many spam folders. The truth is very few people take the time to review the emails in their spam folder and these emails are often deleted without a second look.

Due to the over-abuse of spam emails by less than trustworthy interests spam blocking applications are making it more difficult for legitimate online business interests to use bulk emailing effectively.

What can you do?

Whitelists: This function is simply the most effective way to assist you in reaching your customer base in a timely fashion. The premise behind this approach is to visit directly with the ISP's you deliver through and explain that you are involved in bulk mailing to individuals that have either opted in to your email list or are present customers.

Most ISP's will have a few conditions that you must follow, but once a positive relationship is developed with the various ISP's you are dealing with it will be much easier to pass along bulk emails.

"74% of customers believe that their ISPs should be responsible for fixing spam problems." - Gartner Group

Slow Things Down: You probably don't want to wait to get your message out, however you can, and perhaps should, slow your delivery down. There is a method that is useful to legitimate business called 'tarpitting'. Pcmag.com describes this procedure as, "Adding a delay between e-mail messages in order to thwart spammers. A mail server can be set up to insert delays between messages when a single e-mail has a large number of recipients. It could start delaying after the first 25 messages were sent, which would have little effect on legitimate users, but would considerably slow down the spammer. For example, if a five-second delay were added to a million messages, it would take 60 days to release them from the mail server."

By demonstrating a willingness to slow down the delivery of your email, you have made strides in proving your legitimacy.

"250,000 spam-related complaints reported every day at AOL alone." - PC Magazine

If you are an online business make sure you respect your clients by mailing information they truly expect from you, make it professional and go the extra mile to ensure your willingness to comply with applicable ISP's. When you care enough about your client you will take the steps needed to ensure you are doing everything you can do gain the highest reputation for spam-free email delivery.

And here is another random article you might be interested in...

Option ARM Mortgages - How they Work and Pros and Cons

In the world of mortgages and complex financial arrangements for housing, you need to be armed with the facts. Not knowing what you are getting into when you sign on the dotted line(s) could end up hurting you more than helping you. In the case of option ARM mortgages, this is especially the case. Not only are they extremely complicated, but when you're not sure what they can do for you, they can be a painful learning experience.

The basic appeal of an option ARM mortgage is that you don't have to make large payments in the beginning. These are the loans you may have seen on website banners advertising $200,000 loans for only $500 a month. This does sound good when money is tight and you want to conserve the bills you have. But in actuality, you will still be borrowing a certain amount of money that needs to be paid off. And while the bills are low in the beginning, they will begin to increase over the duration of your loan period.

Another thing to consider with option ARM mortgages is that the interest rates can soar or they can plummet, depending on the market and the terms of your loan. Though you might be only paying $500 a month, your loan amount may be increasing without you even realizing it. And once you're out of that initial low payment period, you may need to double or even triple the amount you are paying every month.

You can choose between several different payment plans each month with an option ARM mortgage. You might pay typical payments that include both interest and the principle, or just payments that are interest. You might also choose to limit your payments so that you're paying the least amount possible - however, this is not going to help with the overall amount as interest will continue to be added to your loan amount.

In the beginning months, you will also generally be offered a low interest rate, which will be appealing and cause your payments to be lower. But while this introductory interest period seems appealing, it is not going to last. Be sure to ask how long this low rate is going to last, if you hear that it's only a month or two, it might not be worth it to you. After the introductory period, the interest will rise to the normal rates.

When you pay monthly and only pay the minimum payment, you will not necessarily be paying down your overall loan because the interest rate will continue to add money to the balance. After a while, your payments may not be covering any interest that you have accrued or even helping with the principle, adding up to a large sum that you now have to pay down.

Another thing to consider is that after five years or so, the loan can be recalculated, which can lead to substantial increases in your monthly payment. This can be shocking to the borrower, but it will be clearly outlined in the option ARM payment fine print.

So, the question becomes - are the option ARM mortgages good for anyone? If you don't have a lot of money now, but you can be certain that you will in the future, this might be a good option for you. But if you're not going to keep up with your current low payments and aren't adding any additional money that you could to the payment plan, you might be setting yourself up for a financial disaster.

But the main concern is that those that do not do their homework on the loan will end up being 'surprised' when it comes time to pay off their larger bill. Do yourself a favor and make sure that you are reading the fine print and that you understand what is expected of you.