I just use my ISP email as they are so lame they have no filtering at all. They offer POP3 and I use Thunderbird as the email client and have all the emails on my home computer and NOT stored in the cloud.
Of course, the downside is if I move where I cannot keep my ISP, I will have to log in and change the emails for every company.
I have every job offer sorted into folders and every company sign up saved. If a cloud based email is locked out, hacked, or goes out of business, your screwed!
Dspeaks has the best solution, but it's too cumbersome for non geeks to use. Looking back, I would have done what Dspeaks did as I have several domain names and mail services on the VPN servers, yet I wanted to keep this separate from those, as I am paid to maintain them and they are not really mine.