Just A Mulligan Stew
 

Dear Mull,

First things first. I hear from Bruno that you are relatively obsessed with money. I'm sure you've been told that social work was the wrong profession to get rich at. I want you to know you are also on my payroll and that I had a chat with your bank manager. Your Visa bill is clear and she now sends you her best. Ha, ha . . . when I was cruising the net for these hobo signs, I found  little phrases that reminded me of you. A hobo is a person who travels to work. A tramp is a person who travels and wont work. A bum is a person who will neither travel nor work. 

I love your wit and good manners.
a.t.b. (all the best in elingual)
mb