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What is Euro €500 Bills and How Can Use It? 

Euro €500 Bills is a large denomination in a widely circulated and easily convertible currency. In the United States, the largest denomination is $100, after the Federal Reserve discontinued the $500, $1,000, $5,000 and $10,000 bills in 1969. Switzerland has a 1,000-franc note, worth about $1,050, but its supply is limited.

Is there a $500 dollar bill?

The €500 note is also more compact and convenient for evading the gaze of authorities. The equivalent of $1 million, in that high euro note, weighs about five pounds and fits in a small bag, according to a Harvard University study this year.

After the European Central Bank phases out the €500 note by the end of 2018, the next highest denomination will be €200. That same $1 million would weigh roughly two and half times.

The purple coloured 500 Euro note has a pretty infamous nickname, “Bin Laden”, as everyone knows it’s in circulation but rarely does someone come across it. It is estimated that there are around 53,00,64,413 Five-Hundred Euro notes going around, about 3% of the total Euro banknotes.

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[seat-safety-switch]

Now that it's no longer winter in my part of the world, it's time to start thinking about buying winter clothing for next year. During the glorious four-and-a-half weeks we get before the snow falls again, the stores put out all their new ski gear for us to sample.

In Canada, it is critically important for your survival that you select only the finest things. A gap in a parka could mean a slow, icy death while waiting for the bus. Mittens that don't fit right will cost you a finger when you try to fumble for your keys to the mailbox. And the balaclava is the most problematic garment of all.

Don't believe me? Maybe you don't know what a balaclava is. It's Polish or French or something, for "ski mask." Balaclavae actually predate the existence of skiing, as they were discovered back in the stone age when cavemen needed to rob banks. And it's that aspect of their history that makes them so troubling nowadays.

While you don't need to go to a bank quite as often now as you used to, the tellers will still get a little on edge when you go in there to cash your pogey cheque while also wearing the classic uniform of a masked bank robber. I'm usually pretty good at remembering to remove them, but sometimes it's just a big hassle. A thin layer of ice covering it means that you'll get snow up your nostrils, and then you'll sound really stupid when you go to talk to the pretty bank teller at the end of the row. Plus your hair will be all fucked up. A non-starter. Better to just risk it, and keep the thing on.

What Canadian civilization needs is a way to separate effective weather gear from a criminal's disguise. Many have proposed alternative kinds of facial covering, ranging from balaclavas that are just brightly coloured, to a plastic mask with lifeless eyes saying "NOT A CROOK" even though it was clearly modelled after Brian Mulroney. These are half-measures, at best, and not enough to fix our broken society.

Here's what I propose: a ski mask licensing scheme. Everyone pays me a bunch of money when they wear their ski masks, fills out a little form, and I give them either a green (good person) or red (bad person) sticker. Then you just show your sticker to the teller, and everything is either fine or you suffer a brutal assault by the security guards. Sure, they could be counterfeit, but that would be illegal, and also why I would like to propose a companion red-and-green sticker licensing scheme.

[literary-illuminati]

Book Review 39 – Lying for Money: How Legendary Frauds Reveal the Workings of the World

This is one of those books I’d heard mentioned in a dozen different places before I finally decided to read it. I think it was the review in Thing of Things that finally pushed me over the edge and convinced me to read it myself? Very happy I did, even if I had a severe case of deja vu reading a few particular passages (and even if it does suffer from a few of the usual pop nonfiction issues at times).

The title gets across the substance of the book clearly enough; this is, to paraphrase the author, a work of counter-economics. That is, an attempt to illuminate the workings of an advanced capitalist economy by showcasing the sorts of crimes that take advantage of its complexity and parsitize it. It’s nowhere near as dry or academic as all that, of course (Davies keeps up a chatty, conversational sort of tone throughout, and takes every chance to dunk on academic economics as a discipline that presents itself); most of the meat of the book is case studies and anecdotes of particularly famous or illuminating frauds, which are all great reading. Honestly reading about con artists is so fun I should really feel guiltier about how hypocritical my disdain for more traditional true crime is.

The books, if not central thesis, then definitely on of the main things it keeps coming back to, is that the optimal level of fraud in an economy is higher than zero. Fraud is fundamentally an abuse of trust, after all, and if no one’s trust is getting abused, then that probably means that an unjustifiable amount of resources are being spent checking up on every possible thing, and a great deal of productive work isn’t getting done because people are too paranoid to work with each other.

The term Davies uses is the Canadian Paradox. Which is the fact (anecdote, popular wisdom, whatever) that Canada, with its mostly trustworthy institutions and rule of law and developed financial system, has vastly more fraud than, say, Greek shipping (I don’t know why specifically Greek and specifically shipping. Specifically Canada because in the ‘90s the Vancouver Stock Exchange was apparently the most full of scams and fakes in the world). The reason for this being that Canadian investors more or less assume that anyone with a stock listing is probably on the level, because they’re usually right; Greek shipowners, by contrast, absolutely expect to get screwed over if they leave themselves vulnerable, and so do business exclusively with people who they have strong relationships and embedded social ties with. The overwhelmingly intended takeaway being that the Canadian equilibrium is the one to aspire to.

The book’s organized around Davies’ own taxonomy of fraud – he divides the broader category into four distinct (if overlapping) types based on the trust they abuse and so (in a broad sense) are crimes against. Those types being: 1) the Long Firm (neither of the words mean what you think they do here), which is just lying and defrauding someone, buying on credit, reselling and skipping town before the first bill comes due, etc 2) Counterfeiting, of currency yes, but also legal documentation, audited account books, hell even mining samples, providing forged documentation that people trust so they accept your lies 3) Control Frauds, when employees or trustees take advantage of their control over assets to juice the books and manipulate returns in ways that maximize ‘legitimate’ profits for themselves (distinct from embezzlement, which is just taking advantage of control over assets to, well, take them) and 4) Market Crimes, which intuitively might not seem like crimes at all, at least in a moral sense, but are regulated or criminalized or made taboo because people engaging in them damages the wider structure society or the market or capitalism or whatever relies upon.

The types of fraud, you’ll notice, get steadily more abstract and conceptual as you go on – the only thing that distinguishes most control fraud from managerial incompetence and over-optimism is a paper trail showing they knew what they were doing. The only thing that distinguishes a market crime form just, being good at business, is the opinion of whatever jurisdiction your in’s regulatory authorities. One gets the sense that these sorts of tricky conceptual crimes interest Davies more than more straightforward sorts of fraud, and his discussions of them certainly get more philosophical than the mostly technical descriptions of long firms and counterfeiting.

Of course, you don’t really read a book like this for the theorizing – I mean, I didn’t, anyway – but for the interesting and absurd case studies of historical frauds. Of which the book delivers in spades; everything from the ‘salad oil king’ of New Jersey with with his vats of water with a layer of oil floating on top, to Ponzi and his original scheme, to the counterfeiter who destabilized the Portuguese economy sufficiently to pave the way for a reactionary military coup, to the first actually comprehensible explanation of the whole Savings&Loans crisis in ‘80s America that I’ve ever read to, of course, the 2008 Mortgage Crisis.

One trait of historical frauds that gets more salient the more of them you read is that, because many of them involve taking advantage of some since-patched loophole in law or regulation, in retrospect it seems positively absurd that they could ever have worked. The book cautions against this point of view – given how bewilderingly complex the modern economy is, there are doubtless more absurd loopholes and abuses of what people will take on trust now than there have ever been. People just haven't written books about them yet.

Anyways, speaking of 2008 - the financial crisis was a generation-defining event for the people who got fucked over by it, but it clearly did a number on the paradigms of guys like Davies too. It gets a chapter to itself as an ‘innocent’ control fraud. That is, an institutional setup and incentive set that inevitably causes massive amounts of crime even though the people at the top actually profiting from it all are, technically speaking, innocent (and most of the low-level employees doing the crimes are mostly just trying to meet aggressive sales targets and keep their jobs. Which, hardly justifies a lot of the conduct, but they weren't profiting from the enterprise like the managers and executives.) The term Davies uses is ‘crimogenic’ – as in, an environment that incentivizes and will almost inevitably lead to the commission of crimes.

A note on the author – Davies was a regulator and then a market analyst in the UK for much of the early 21st century, and whatever the specifics is clearly someone with an insider’s view of financial markets and investment banking. Not really an apologist – or I mean, he is, to the extent that he clearly considers them useful institutions that do more good than harm for the world at large, and considers the present regulatory setup governing the markets if not just, then at least pragmatically useful. But about the culture and foibles of the financial services industry itself he’s pretty cynical. In any event, as the book goes on he starts peppering in personal anecdotes about how he was personally involved with some event on the periphery of the frauds he’s discussing or saw them happen live, which I mostly found charming but I can see how it would grate.

In any event, it’s a very chatty, casually written book, by a centre-left pro-regulation but incredibly finance-brained guy. So, you know, caveat lector if you’re going to find that totally insufferable. For myself I found it a fun, casual read, and a more educational one that I really expected.

[marshallpupfan]

Marshall Merchandise Update!

I sometimes wonder if I should number these merchandise update posts, but I'm honestly not sure how many I've made since I first started doing this. Let's just pick a number at random and say it's #23.

In any case, I managed to add a few new items to my Marshall collection today. Nothing too big, but they're still pretty cool, imo.

Okay, so... I made a post last night about how I was lamenting the lack of holiday-themed PAW Patrol merchandise this year. Well, as it turns out... I'm a dummy, because I completely forgot about buying this thing a few weeks ago. I didn't show it off at the time because I wanted to have a few other items to show off with it.

Actually, when I first seen this thing on Ebay, I thought it was an older ornament. I'd never seen one like it before, and when I Google-searched it, the results came up empty. I thought I found another rare ornament, so I quickly snatched it up! You can imagine my surprise when I got it and, upon inspecting the tag... it said "2023". Oops. lol

In any case, this ornament's from "Primark". The tag even says it's hand-painted (you can kind of tell, honestly). Strangely, it's not listed on their site, unless I'm just looking in the wrong place. Only one has appeared on Ebay so far, and I haven't seen it anywhere else at all yet. Well, there's some store out there selling them, but I know not which one... all I know is I'm happy to have one. :)

Next, a "Slow-Rise Squishies". They also come in Chase and Skye, too.

Unless I'm mistaken, you can't find these in the USA right now. Yup, this is another imported item! From Canada, in fact (thankfully, the shipping was low). Admittedly, the likeness is pretty spot on, not to mention it's bigger than I expected it to be. I think it's pretty cool!

Last.... er... this thing. It's just something I randomly found on Ebay one day, so I decided to bid on it. Admittedly, it's also bigger than I expected (around 4 inches tall - the Squishies is slightly taller, at 4.75). Sadly, it's not in the best condition, but I can't say I'm too surprised. I'm honestly lucky to find any previously-owned item in good condition, especially given the age group these toys are meant for.

I'm not sure, but I suspect this thing may not be official. Typically, each item, even if it's a small piece in a set, has some sort of number or information on it. I've posted a few examples above, just to show you what I mean. This item, however, doesn't seem to have any such thing. Maybe there are exceptions, but chances are, it's an imitation you can find cheap somewhere. Despite that, I think it matches the character close enough, so I've no problem including it in my collection. It wouldn't be the first counterfeit in there (and likely won't be the last, since I still have my eye on a few I'd like to buy someday).

That's all for now! I can't say if I'll find too much more by the end of the year, so this'll probably be it for 2023. Chances are, the next items I show off will be the Jungle Pups toys, unless something unexpected pops up between then. Maybe I'll get lucky and find some of those Canadian-exclusive items... but I wouldn't bet money on that. lol

[pocketvenuslux]

I discovered Champagne Socialist quite some time ago when I was browsing a list of vendors at a local market. It's a Canadian company offering perfume oils that dupe luxury scents from big corporate houses like Tom Ford, Kilian, Le Labo. The website claims they are produced in France.

Given that the price for luxury niche fragrances have rapidly inflated, the existence of a company like this doesn't surprize me. In fact, I've since learned there are other better known companies specializing in dupes just like this one. Luxury copies have always existed but the current time seems especially ripe for perfume dupes. If luxury beauty executives actually wanted fragrance enthusiasts to buy their products, they would not have so rapidly raised prices from $200 to $300+ per 50 ml during a cost of living crisis while also tamping down on artistry. In my view, their insatiable demand for more profits and reducing creative risk has basically killed the golden age of niche fragrance.

I'm used to thinking about cosmetic dupes where the copying is never explicit or perhaps so close. And to be clear, I am only referencing dupes, not counterfeits trying to pass as originals. In a way, these fragrance dupes feel more honest when they name their source right on the bottle label unlike derivative copycat scents being marketed as original. But this post isn't about the ethics of dupes, so I'll just say that I'm not terribly concerned about a small business like this barely making a dent in the profits being raked in by the likes of Estee Lauder though I would not support knocking off indie houses.

Anyway, I finally had a chance to test some Champagne Socialist fragrances now that they're being sold in Kensington Market. To be honest, I was expecting to be pretty unimpressed. Actually, I found some scents to be fairly accurate, although this is only based on first sniff and not a skin-based dry down. Some dupes like A Scholar & A Gentleman for Tom Ford's Tuscan Leather, Afropolitan for Byredo's Bal d'Afrique, Halong Bay for Diptyque's Do Son, were quite close. Others however, were not. Dark Money and Fabulous Party, Darling were perhaps in the same vicinity, but different enough that I wouldn't consider them dupes. More like cousins. Maybe cousins twice removed. It doesn't surprize me as these scents, dupes for Black Orchid and Fucking Fabulous respectively, are more complex.

Civil Unrest, a dupe of Intoxicated, was one of the most faithful scents I tried, so I bought it to test side by side with the original juice. The openings are definitely different with Intoxicated being darker and more bitter as well as more distinct from the dry down. But in the dry down, they are shockingly similar, near identical, even in projection and lasting power.

Overall, the Champagne Socialist dupes were hit and miss with more hits than misses. I'd advise trying a sample first, though at CA$24 for 10ml, you're not risking much with a blind buy. Personally, I'm not interested in smelling "rich" or to catch a trend like BR540 or Lost Cherry on the cheap. I'd rather keep looking for those unique, boundary pushing scents out there. It's a shame we can't find these so easily anymore.

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Granted, but there's a point past which an 'exploit' moves from "this thing done by rich people that you can do too and they hate that" to "this is not something anyone does", and the whole writing yourself a check and withdrawing the money due to failure to enforce a hold period is the latter. The people who actually did this could have stopped, mentally walked through what was actually going on before doing it, and realized the process couldn't possibly work because the initial tender of a deposit would be done using an invalid form of payment.

To draw an analogy, you wouldn't go on Craigslist and buy something from someone using counterfeit currency, because you're presenting an invalid form of payment and if done with knowledge beforehand that the money is counterfeit, renders that a fraudulent transaction. At the very least, because the seller has now suffered a loss, it can become a civil tort of fraud and they can sue you to get the money. (and can be a criminal charge as well)

Also, this? "No other developed money uses checks anymore in the way that the US does, specifically because the system is too vulnerable." is not true. Canada's financial system is similar in a few ways to the USA's, and one of them is that we also still use checks, and to be frank, our system could suffer the same issue if a bank neglected to enforce the four-day hold on ATM deposits as permitted by Canadian law.

Hey has tumblr heard about the Chase “Infinite Money glitch” debacle from tiktok yet because

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