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To Tip or Not to Tip? Here’s What to Know About Tipping Etiquette

Let’s face it: No one always knows what they’re doing when it comes to tipping.

How much do you tip? When do you leave it? Do you even need to leave anything at all? The answers can vary widely based on who you are, who would receive the tip, where you live and about 10,000 other potential variables. That makes the whole tipping thing, quite frankly, a complete mess. Just ask Larry David, who has mined the awkwardness and confusion of tipping for comedy gold many, many times as the mastermind behind “Curb Your Enthusiasm” and “Seinfeld.”

[See: Check, Please: Paying the Bill in 6 Awkward Situations.]

Unfortunately, it may not be very funny when you’re in a possible tipping situation and you don’t know what to do. You can take heart, however, that you aren’t alone in your confusion. A recent CreditCards.com survey examined Americans’ tipping habits at restaurants, coffee shops, hotels and hair salons and found that in some ways, our tipping views seem as polarized as our political landscape. Here are some of the findings:

— 80 percent of Americans always tip at restaurants; 3 percent never do.

— 67 percent always tip their hair stylist/barber; 12 percent never do.

— 29 percent always tip their barista; 30 percent never do.

— 27 percent always tip their hotel housekeeper; 31 percent never do.

In short, there is rarely a one-size-fits-all answer to the tipping question. So how do you sort out what’s right for you? Here are a few things to consider.

[See: 12 Ways to Be a More Mindful Spender.]

Always, always, always tip your waiter or waitress: When it comes to tipping in restaurants, there is a universal answer. If you’re in a sit-down restaurant being served by a waiter or waitress, you tip them. Period. Those folks depend on tips for their livelihood, so unless your experience was just an absolute catastrophe, there’s virtually no excuse to fail to tip. Most tipping situations, however, aren’t so clear-cut.

Tip with caution when traveling abroad: Tipping is ingrained in American culture. We may not always know exactly when to do it, but we generally know that if we do decide to tip, the mere act of tipping won’t be viewed as an insult or offensive. That’s not always the case in other countries. Before you travel, be sure to do your homework to get a feel for the customs of the countries you’ll be visiting. It might help you steer clear of acting like an “Ugly American.”

[Read: 4 Outdated Financial Etiquette Rules That You Can Ignore.]

When you tip can really matter: Most of the consternation around tipping is about how much to tip and whether to tip at all. However, the timing of the tip can be very important. For example, most people don’t tip their hotel housekeeper, but many who do tend to do so at the end of their stay. That might be convenient and easy, but it might not work for the housekeeper. That’s because you might have had one housekeeper cleaning your room for the first several days of your stay, but a different one on the day you check out. If you only leave a tip on check-out day, the housekeeper who did most of the work during your stay might get shortchanged. To remedy this, instead of leaving $10 at the end of your stay, leave a few bucks each day.

Tipping helps establish a relationship: This may be the ultimate tiebreaker when it comes to deciding whether to tip. Consider whether you’re likely to interact with this person or business again. If the answer is yes, then when in doubt, tip. It’s amazing how even just a little extra tip can make a difference in establishing a relationship and getting you better service going forward. A few extra bucks might get you a beer more quickly at the neighborhood pub, an extra chocolate on your hotel pillow or a little more lo mein with your Chinese takeout order. It might even make you a new friend.

The bottom line: Tipping can be super confusing, but we also tend to overthink it. When in doubt, go ahead and tip. Chances are that extra dollar or two won’t make a major difference in your day, but if we all throw a little extra in, it can really make a major difference to those in the service industry who have a tough job that doesn’t pay as well as it should.

More from U.S. News

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How to Live on $13,000 a Year

To Tip or Not to Tip? Here’s What to Know About Tipping Etiquette originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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