Buddy, Can You Spare A Byte?
Don't confuse panhandlers with hobos by the way. Hobos have their own code, and their own handchalked version of email. Not to mention their own national convention.
(Many writers are fascinated by tramps and hobos, possibly because most have a lurking dread about ending up on the streets. This is one of my favourite novels about falling from the world above into the world below. There are of course many others, although I'm hard-pressed to think of an SF example. Maybe William Gibson's Virtual Light fits the bill, although its protagonists really inhabit a kind of pirate utopia.)