Paperwork. 11/12/2008
Checks piss me off. I hate writing them, and I hate dealing with them. Before I moved out of my parents' house, I had probably written about three checks ever. And I liked it that way.

Probably the thing that gets me most pissed about checks is the fact that it's paper. It's a stupid scrap of paper saying that you'll pay X dollars to Y for Z reason. And you verify the paper by signing it, which I also take issue with. It seems to me that a signature isn't that hard to forge. I mean, you could probably get some handwriting analyst to notice some differences, but the whole idea of authenticating something via an easily duplicated method seems worthless to me.

Another thing that bugs me is that checks take so long to clear. If I worked at a bank and needed to cash a check, I'd look in the account of the person paying. Does it have enough money to pay the check? Yes. BAM! Done. But instead, it takes several days. My roommate (who works at a large bank) offered the explanation that banks do this with checks because they closely monitor how much money they have at the end of each day and waiting on cashing checks helps control this. I don't know if that is the only reason for this, but it still gets me pissed regardless.

A few months ago, I set up my roommate as a payee on my bank account so that I'd never have to write any more checks for rent. I paid him online, but instead of simply transferring the money like we expected, the bank sent him a stupid horking check in the mail. I was pissed, and so was he. I'm surprised we haven't gotten to the point of being able to easily transfer money between people online yet without the use of a third-party (PayPal).

Another thing I don't like is mail, for mostly the same reasons - it's paper, it's slow and cumbersome, and it's a pain. I can say with complete honesty that I have probably sent under ten things in the mail in my entire life, and it's already too many. Plus, dealing with stupid horking stamps is a pain. Why do we still have those?

As you can probably guess, I had to mail a check last night, which combined two of my least favorite things into one annoyance. You know who writes checks and mails junk? Old people. That's enough reason not to right there.


7 responses to "Paperwork."

    11/12/2008 11:30:34 AM
Haha, agreed about checks. Something else that makes them a pain is that a ton of banks aren't open during a time when people can actually use them. Thanks for being open 8-5, right during my work day. What the hork is up with that? I thought banks were in the service industry, why wouldn't they stay open later so working people can actually use their services? Itz ridiculous. Yes, they are open on Saturdays but who wants to go to a bank on a Saturday morning? Not me.
    11/12/2008 3:09:42 PM
Bard - Some banks are getting better at that. Greg - what did you have to write a check for? I have been able to exclusively use credit, but I guess I did have to write a check to send money to a friend (not a commercial entity). I'm also thinking about getting rid of NetFlix. That uses the slow crappy mail too. I should be able to download these things whenever I want, and I started doing that with torrents even though I don't believe that its legal. While I'm on the subject, the movie and music industries need to find a better way to embrace the internet and filesharing rather that trying to fight it. I think music is coming around with online music stores, but the movie industry doesn't seem to have budged. I guess it must cost more to make a movie than it does an album.
    11/12/2008 9:48:27 PM
IDK what Fergblog is talking about, torrents are DEFINITELY legal.
    11/13/2008 9:40:08 AM
Luke - use a bank that actually has ATMs and you won't ever have to go inside one again. Glenn - I agree with you on Netflix and downloading rather than mailing, although it kind of defeats the idea of renting the movie, since there's nothing forcing you to delete it.
    11/13/2008 11:15:51 AM
Oh, and I forgot. Nate - Pissed.
    11/13/2008 3:24:40 PM
I've heard of some companies that are offering movies in this way and the file locks itself after a certain time period. I know that for every lock there is some kind of hack but it is still a pain to have to hack them and would prevent a lot of it.
    11/20/2008 11:47:44 AM
I think you're not thinking about the advantages of checks. For one thing, it is an advantage that its a scrap of paper, because if you lose it, it gets damaged, or it gets stolen then you're really haven't lost any money. That's why its good to mail checks because if someone tears your envelope open, they wont be able to cash it. As far as forgery goes, there are various methods in which you can utilize to prevent your money from being lost. You could put a block on a particular check number or all of your checks to prevent a thief from gaining anything. I can think of maybe three reasons why snail mail should never be eliminated. #1 to transfer something small that cannot retain its value by being copied or digitized... this could be a birth certificate, a playing card, or a small sentimental item. #2 To have an ability to communicate to those who don't have access to the net... examples are the soldier in the battlefield who is stuck in a hole in the ground and his/her only pleasure is re-reading a letter from a loved one, or a friend or family member who is currently located in a place like a third-world country where things like power and the internet are unreliable and expensive. #3 to retain the established institution of manual messaging in the event that its needed in a crisis. Also, I’m sure there is a way to digitize your rent payments, I’ve just been too lazy to look it up.

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