kremlint:

“This event ends the moment you write us a check, and it better not bounce, or you’re a dead motherfucker”
–Big Bill Hell

There was a time when you’d see little old ladies paying for the groceries with a hand-written personal check, holding up the line, causing an immediately-forgiven slight sense of annoyance with those behind her. Buddy. Those days are over. They’ve been over. What, did you think you were going to just pop a couple extra zeroes on the end of your paycheck there? Maybe scan your paycheck, open it in photoshop, make a template, print em out all nice? You think you’re the first to think of that, dipshit?

It takes the law a long time to catch up with the state of the art. You’re reading this on the internet, which means you never use checks. The law has caught up. Your ass will be going to prison immediately and you will see zero return.

You can’t even kite checks anymore, and hell, nobody under 40 will even know what that means, due to the blazing fast, two day settlement on all ACH transactions. Let me paint you a picture.

You get paid on Friday, but it is Monday, and bills are due on Tuesday. And you’re broke: $0 in the bank. Goose egg. Pop open your checkbook, go to a store, “buy” some things, write a check for the amount. The cashier takes it!

Now take those things you “bought”, across town, to another store location, and return them for cold hard cash. Sweet. Bills paid. Friday rolls around, and you just make it to the bank to deposit your paycheck before it closes. After the weekend, the checks you wrote finally post, and they don’t bounce! You’ve kited a check. You’ve surreptitiously taken a zero-interest loan. And we know your broke ass. The interest rate on that short-term payday loan should have been straight up usurious. We’re talking 29%. That makes predatory fuckers like us horny for sex. We’re so mad. Now you are going to Federal Prison. For a good minute. Fuckface.

COST: $0.10 (With banks offering free checking accounts + Bic pen)

“Neither snow nor rain nor heat nor sleet, if you fuck with the mail, we’ll rip your nuts off”
– Ronald Mail (Inventor of Mail)

Many people have this misnomer that the most powerful people in politics are democratically elected. The president, of the United States, of America, is a stupid cartoon hotdog. All of them, I don’t care. Way less clout than you’d think. Brilliantly, it is the people that the hotdog president appoints who are actually doing anything significant. The director of the CIA. The fucking chairman of the Federal Reserve. Probably the, like, most senior, uh, general of the military, and shit too. I don’t know, we don’t “do” army here at Bloomberg. You probably don’t even know their names! I don’t! These are the ones you should be seeing in your sleep.

There’s another position like that. Appointed directly by the hotdog. The Postmaster General. That’s a real title. He’s the CEO of the mail, and buddy, what he may lack in political power relative to the director of the CEO, he makes up in raw sexual energy. Total Tom Selleck energy. Like an airline pilot. We’re talking Donald Sutherland in Invasion of the Body Snatchers. I’m tentpoling in my black business slacks just writing this, and all my Bloomberg newsroom bros are peering over my shoulder and also tent-poling. We’re not gay though, and especially me, I’m probably the least gay, but sometimes I just lay awake for hours at night what that mustache would feel like pressed against my lips, the unbelievable and utter, total sense of security I’d feel burying my head into his hard chest.

You get it. He’s your dad. And if you fuck with the mail, you’ve fucked with the tools in your dad’s garage. And dad’s been drinking. You’re in for it, bucko, you are in trouble. Do you think the United States Postal Service actually makes any money? Hell no. It costs like five bucks to mail a box basically anywhere I can think of and they give you the boxes for free. You can just walk in the post office and take them. I do that, and then just throw them away, I don’t know why, some kind of compulsion. Being able to move shit around like this, quickly, cheaply – Jesus H, I’ve got a huge amount of money in my bank account, probably tens of trillions of dollars (due to financial knowledge gained from reading Bloomberg articles) and I could probably mail every single person ever something and still come out in the black.

No way pal. They’ve thought of that already. The Postmaster General is going to know every time, and he’s going to grab you by the shirt collar, wearing his cool as fuck hat, and you’re going to get your pants pulled down, and your bare ass spanke…I need to go use the restroom real quick.

We rely on the mail system to get important shit done. It’s not something to be taken lightly, and it isn’t. Trust me. This is why, like almost every other person who receives mail in this year 2023, I just fucking put a wastebasket under my mail slot. I don’t even shred that shit anymore. I just burn it. Takes less time.

COST: $0.63 (Postal stamp)

“Can call all you want, but there’s no one home //
And you’re not gonna reach my telephone //
Out in the club, and I’m sipping that bubb //
And you’re not gonna reach my telephone”
–Lady Gaga

I read something wild that the children of today do not know what a dial tone is, because of how fucked up and stupid they are. Isn’t that super fucked up?

While it’s not really our style, allow me to fill you in on some ancient, arcane knowledge about the telephone. You can turn it on, and then you can punch in numbers. Any numbers. Random ones, or maybe not random ones. If the ten numbers you punch in are the same as the numbers in someone else’s telephone number, their phone will ring, and then you are talking to them. This is called “Phreaking”.

Here’s the kicker: You can tell that jackass anything you want. “Oh, Hi, Yes, I am Reginald Sumpter calling from Avalon Consulting LLC, we are just following up on the invoice we sent you. Please remit to ###### routing ###### account.”

BOOM! Your name isn’t Reginald whatever and that company doesn’t exist, but you just received a deposit. It’s fucking beautiful. What have you done wrong? It isn’t your responsibility to handle who your business’ clients/etc are, it’s their’s. If they want to just pay you money for no real reason, well, that’s kind of on them, isn’t it? I haven’t stuck a pistol in your face and demanded everything in the register.

Well, it’s too clever. It’s too slick. This is the United States of America. It’s one thing to commit a felony like armed robbery, it’s another thing to piss off someone in charge of the accounting division who uses a special bathroom you need a key to get into.

You can do it on the computer too, I use a PC Computer at work and send email, so you can see how it’d work there. You can make a document that is indifferentiable from a real invoice and, straight up, 1/3 of the time they will pay that shit. Lmfao.

It’s called wire fraud because, uhh, duhhhh, there’s wires. What do you think that thing is strung between the telephone receiver and the dialer? And computers? Give me a break. There’s so many wires with those.

COST: $0.25 (Coin for payphone)

“People calculate too much and think too little.”
– Charlie Munger

It is insane how dumb the common man can be when it comes to our world of expertise. I hear this same sentiment, like, ALL THE TIME:

“Durr hurr I will buy an insurance policy for my car or house or whatever so that in case something happens to it I will get money”. And then that same person proceeds to drive safely or not burn their house down. Dumbest crap imaginable.

Let me break it down for you. Insurance is a two player competitive game. There is a winner and there is a loser. Go take out an expensive insurance policy on your American sports car. Buy a neck brace, a football helmet, and pack that bitch with throw pillows. Then get in the left lane of a major highway at like noonish, let it rip and then SLAM on your brakes. Hit from behind! Your fault! Congratulations. You have won insurance. How this gets past people is beyond me.

You can only do this once or twice before the insurance companies catch on. Then they don’t want to fuck with you. It is also..I don’t know man…something feels off about taking a car or a house, which like, some guy had to build and just destroying it, but that is only a weird emotional thing, since you’re making money, more than whatever the destroyed thing is worth, so in reality you’ve built that house plus some extra. You’ve contributed.

COST: $106.00 (Average monthly car insurance payment)

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SUBSCRIBE TO MY WHATEVER FOR PART TWO, COMING SOON. i’ll post it later today probably. whatever time frame will juice the numbers. have a sneaky peaky

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#anything that makes me laugh this much deserves a reblog #adventures in human capitalism #unreality cw #nsfw text? #this probably deserves some other warning tag but I am not sure what #this post was queued because my to-reblog list is too long and I didn’t want to dump it on you all at once