Flip ’em off

Flip ’em off October 27, 2003

Let me say, first of all, that giving "the finger" is extremely rude. (I prefer, in traffic, instead to give people the hand — this exasperated, "What the …?!?" gesture conveys a broader displeasure that I think makes its point without the phallic imagery.)

One should never, ever, "flip the bird." Unless, that is, it's really necessary. For example —

The Motley Fool offers a helpful guide to the world of ATM service fees. These are charges that banks levy on customers seeking access to their own money.

ATM fees range from $1 to $3, charges that can double if you're using an ATM that does not belong to the bank where you keep your account. If you use the popular "fast cash" option to withdraw $60 at an ATM, you may pay as much as 5 percent for the privilege. This isn't a loan, mind you, it's your own money.

The good Fool's advice is to avoid using any ATM where you may be forced to pay such a fee. And as usual, the Fool is right. But sometimes you may find yourself — due to bad planning or sudden circumstances — facing an ATM screen informing you that you will be charged $1 or $1.50 or $3 to complete this transaction. This message is, in effect, the bank(s) flipping you off. The message couldn't be any clearer if the screen showed you an actual extended middle finger.

Again, it is best if we all maintain civility and politeness whenever possible. But when confronted with ATM fees, we really don't have a civil option. When you are greeted with the BOHICA screen informing you that an ATM is actually a digital loan shark, reciprocate with a gesture that reflects the same degree of civility that you are being shown.

Somewhere on that ATM there is a security camera. Find this camera, look directly into it, and give it the finger.

The security video is not equipped with sound, so if you have anything additional you'd like to tell the bank, be sure to enunciate clearly so that those reading your lips later will be sure to understand you. How long you address the camera and maintain the gesture is entirely up to you, however long it takes for you to feel you've gotten your full $3 worth.


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