I am preparing the first mailing to my farm neighborhood (300 homes). I've read that it is better to personalize so I am handwriting all of these. I am finding that handwriting is time consuming but I also see another problem.

If I mail to a person who no longer lives there, the post office will forward or return my mailing. The object is to get the mail piece into the hands of the homeowner. So my question is...is it better to personalize and risk a forward or return or is it better to address to "Homeowner" and have a better chance of the mail getting to the address I am targeting? Thanks