Hacking Business Reply Mail
denis.papathanasiou.org
denis.papathanasiou.org
About a month after we moved, I got a package in the mail - a cardboard mailing tube, containing a poster, that I'd bought online a couple of years before but never gotten around to putting up. But how did it end up back in the mail?
It turns out that during one of our move trips, the poster was left leaning against the outside wall on the front porch at the Austin house, next to the mailbox.
Our mailman saw it, assumed that it had been (recently) delivered by another postman on his day off, and he knew that we had a forwarding order in place. So he put the poster back in the system with our Houston address on it (being properly packaged and all) and I got it a few days later.
Even yelling "Thank you!" through my front window (near my computer desk) when the UPS guy drops-and-runs a package can make a big difference.
Say please and thank you as a matter of habit, to show people in service industries that you appreciate the work they do, that saves time and effort on your part.
1. Wrap a cinderblock in brown paper
2. Tape a business reply envelope to the top of the package
3. Drop off the package at a mailbox or post office
4. Recipient pays first-class postage
I don't know if it's true, but I heard of people mailing used truck tires and big boxes of rocks or bricks this way.
Probably wouldn't work today, since anti-terror regulations require identification for packages above given dimensions.
A related hack (and/or fraud?) - every month, the company that manages the apartment I rent sends me a bill in the mail. They send it to me in an envelope with a stamp, but they always place the stamp a couple inches below the top-right corner. This way, the cancellation machine misses the stamp, leaving it unmarked, allowing me to pry it off and use it to mail my rent check back to them! They must have gotten tired of the "I couldn't find a stamp!" excuse for late rent payments. Though perhaps if they took the time to invest in a modern e-payment system it wouldn't be an issue in the first place...
http://www.straightdope.com/columns/read/566/can-i-mail-a-br...
http://www.buzzfeed.com/jimwaterson/people-are-wasting-ukips...
And in Utah, 80,000 bricks were sent through the mail to build a bank.
http://www.stampsofdistinction.com/2008/07/bank-that-was-sen...
I had to take this tack with Good Sam (an RV "services" company, insurance and maintenance and such) who wouldn't get lost. Once after about 3 or 4 instances of being told to GTFO, they sent me this large manilla-envelope thing with a similarly sized reply envelope.
I shredded everything but the reply envelope into confetti, emptied my shredder (few days worth of stuff) into the envelope, threw a few pennies in there to increase the weight, and wrote on a sheet of paper "TAKE ME OFF YOUR LIST".
Haven't received anything since then. Perhaps coincidental, perhaps not, but so very satisfying.
Only Fidelity might complain, but they created these postage-free envelopes so customers like me would send them deposits, so they probably don't care, either.
It was a just a fun thing to try, and great to see that it worked!
I suspect like most non-Internet things, it's just not worth being dishonest. And if you implemented it to the point where it became lucrative, they would get wise and come after you.
This differs from European systems where businesses post incoming bank account numbers and customers "push" it from their banks to the business via a transfer form (which, if I recall correctly, you need to fill and deliver to the bank or post online, correct?)
One in particular set all his bills up on auto-pay such that he didn't have to pay terribly close attention. His government-backed student loan payment took out something like 5x what it was supposed to and as a result he missed two months worth of payments (again because he didn't check regularly) and got quite a few other companies rather pissed off. And he had no recourse with the student loan folks.
After hearing about that kind of bullshit (I too am mostly setup for auto-pay) I got a second account with a totally separate bank which I occasionally deposit a few grand in for the companies that won't accept credit card payment for their services. This way even if one of them goes rogue and siphons the account dry they can't take me for more much more than is in the account. It doesn't protect me against someone going after my other accounts using judicial means, but it does provide a substantially higher barrier and gives me some peace of mind.
http://wnep.com/2014/03/07/auto-pay-bills-hide-womans-death-...
There's a great podcast about this issue here: http://www.npr.org/blogs/money/2013/10/04/229224964/episode-...
The permit number corresponds to a specific address.
I don't think my bank even has checks - at least they're not a standard enough feature that they mention them.
Thinking about it though, they did let me deposit a check from the u.s. once. It took about three works for it to go through. Wire transfers to anywhere in the world (I regularly send money to the u.s. and India) go through in two or three days.
In fact, the check I deposited was about $50K, so it's understandable it took awhile, but a wire transfer I received from the u.s. for the same exact amount only took two days.
So, why use checks?
We have a system where every bill is payable by bank transfer, and the bill you receive only contains the bank transfer information.
I think the advantage is similar to cash, which is that you don't need to know anything about someone (except their name) to write and give them a check in person.
OTOH, that kind of delay on check cashing is only for very large amounts like you mentioned. I receive reimbursement checks from work because I never told them my bank account number for direct deposit, and I can take a picture of the check with my phone and have the whole quantity deposited in my account available for use immediately. Of course you also have to consider the time it takes for me to receive the physical check, so it's still much slower than a direct deposit.