As I got yet another SPAM offering me a mortgage, I realized they wouldn’t bother with this shit unless some people actually got their mortgages this way. I know it’s nearly free to send these messages, but they wouldn’t waste their time unless there was loser or two who bit the hook.
I wouldn’t get a ten dollar toy from SPAM, let alone possibly the most important financial transaction of my life. Hell, somebody I know just got kinda screwed from a big-name bank in these parts, and I’m supposed to trust some URL I never heard of before?
I never thought of that – that people must respond to these e-mails. Good lord. Do you suppose most of the mortgages are equity loans, and the people who respond might be in desperate financial trouble?
I guess it’s the same folks who already shelled out for the elongated penis, the viagra and the Russian bisexual teen nympho virgins who are always e-mailing me
I am of the opinion that a desperate company will try anything, and that a 0% response rate is no obstacle.
I used to think that the 2% of people responding to these e-mails were keeping them alive. Now I think they stay alive because of bad management. Disorganized companys who don’t bother to halt the free spamming they started back when they thought it might work.
I’m pretty sure a certain percentage of these emails are sent from compromised computers, ones that have been infected by a worm that is programmed to spread like kudzu and spew spam like a freshman at a kegger.
There are a lot of idiots sitting behind fat pipes these days.
But there are some simple economics you aren’t getting. It costs a fraction of a cent for the spammer to send ten thousand emails. If a tenth of a percent of the emails result in sales, that’s ten dupes sending the asshole money. Which will more than cover the spammer’s costs.
Of course, the spammer doesn’t give a fuck about the machines he slowed to a crawl under the weight of his email DoS (Denial of Service, or flood) attack, or the cost incurred by ISPs that have to buy new machines to cope with the volume of spam sent by a rather small percentage of the total Internet population. The costs absorbed by the rest of the community are simply ignored by the twatrags getting rich.
Well, they keep telling me that **I applied for these things ** - either online or by phone. Maybe, just maybe, theyre hoping to catch some poor sucker who has applied for a loan or mortgage online and is too thick, or too desperate, to check that it’s the same company.
I work in the mortgage industry, and at a company I previously worked for (totally legit and ethical company) we used to get spam faxes from people offering to sell us emails so we could spam people. Gee, thanks! No, that’s the difference between you and us - we don’t spam people.
As Derleth said, it’s all statistics. We wouldn’t do any advertising that didn’t have already researched response rates. If we did a mailer (snail), there was a percentage of people we needed to get in order for the boss to be happy because he recouped costs, and then made profit. We never did emailing, but he definitely told me some stories about how back in the day they would do advertising that totally pissed off 95% of the people that were subjected to it… but boy did they make a killing on that remaining 5%. I think here he was referring to cleverly worded telemarketing.
Anywho, I quit that job. Loved the numbers games, hated the used car salesman tactics the boss would try to cram down your throat.
Do you know how the teens can still be virgins if they are nymphos? I’ve wondered about that!
Teen virgins are out of favour here at the moment - about 6 months ago I got tons of those e-mails - now it is ‘bored suburban housewives in your area who want to play’ I think these things go in cycles - ‘viagra - keep going all night’ seems to have been replaced with ‘cialis’ and ‘congratulations, your loan has been approved’ and, of course, these damn bored housewives.
I’ve never once been offered a ‘bored suburban husband’ to play with, though. I feel cheated!
A guy saw a gorgeous, well-built, scantiluy clad girl crying at a bar, and approached her, asking why she was so sad.
“My life is terrible,” she said. “I’m a nymphomaniac, but I’m still a virgin.”
The guy was intrigued, and asked how that was possible.
“Because,” she said, “I need sex desperately, but my liobido is too selective. I can’t get turnmed on by most men. I’m only turned on by Jewish Indians. Er, I shouldn’t be telling you this. I don’t even know your name, Mr…?”
I don’t get the mortgages, but I do get fraud alerts from the bank issuing my credit card. Strangely, the first six or eight e-mails alerting me of an account suspension/update/unauthorized access were from banks and companies that I didn’t have accounts with.
