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CNN Money has a list of service providers it says you're expected to tip. See if you agree with these.

By MSN Money Partner 3 hours ago

This post comes from Krystal Steinmetz at partner site Money Talks News.


Money Talks News on MSN MoneyTo tip or not to tip: It's hard to know these days. You might be surprised to learn that you've unknowingly stiffed a hardworking professional.


Cable technician installing equipment on the side of a house © Huntstock, Huntstock, Getty ImagesBut don't feel too bad; you're not alone.


According to CNN Money, it can be difficult to know when a gratuity is warranted.

"The reason why we tip is to show respect to the service provider," said Diane Gottsman, an etiquette expert.
"Part of our responsibility is to be a respectful community member and give to those who deserve a tip, without going overboard."
She suggested that a good rule of thumb is "when in doubt, do."

CNN Money said there's a handful of folks you likely don't think of when considering tipping, but you should:

 

In the market for a cash-back card? Read on to determine which one is right for you.

By Credit.com 4 hours ago
This post comes from Jason Steele at partner site Credit.com.

Credit.com on MSN MoneyAs airlines and hotels continue to decrease the value of the points and miles they offer through their co-branded credit cards, cash back remains the reward of choice for many cardholders. And credit card issuers understand their customers' need for a simple program that offers the one reward that no one will likely ever have trouble redeeming.


Woman with mobile phone and credit card, smiling © Pando Hall, PhotographerWhen looking for the best cash-back credit cards for this month's Best Credit Cards in America, we weighed several factors. First, we looked at the rate of return as a percentage of spending. The problem is that some cards offer a fixed rate of return on all purchases, while others offer bonus rewards for purchases from certain categories of merchants.


Individual cardholders can find the best cards by estimating how much of their purchases will qualify for the bonus, or they can maximize their returns by using one card at some merchants, and another card at others.


Next, we looked at fees. The biggest one that cardholders may face is the annual fee, as some of the most rewarding cash-back credit cards will have this charge. Nevertheless, there are still plenty of competitive products without this fee. Also, we considered all of the other perks that a credit card may offer. This can include travel insurance and purchase protection policies, along with some new, innovative benefits.

 

If you're worried your C student will never win a scholarship, it may be time to learn a little duck calling. Here are 12 unusual scholarships being offered this year -- no 4.0 required.

By MSN Money Partner 4 hours ago

This post comes from Maryalene LaPonsie at partner site Money Talks News.


Money Talks News on MSN MoneyNot every college scholarship is intended for the high school valedictorian.


In fact, there are a whole slew of scholarships out there with specific and strange requirements that have nothing to do with great grades or financial need. If your name is Edna and you can ride a unicycle while singing "The Star-Spangled Banner," chances are there is a scholarship program custom-made for you.


OK, that may be an exaggeration. But here are 12 scholarships that run off the beaten path.

 

You could greatly improve your financial outlook in half a year by paying more than the minimum balance on debts.

By Credit.com 4 hours ago
This post comes from Gerri Detweiler at partner site Credit.com.

Credit.com on MSN MoneyLike flossing your teeth or regular exercise, paying more than the minimum payment on your debt is one of those habits we know is good for us, but is easy to let slide. Let’s face it: it’s hard to stay motivated when you are trying to chip away at a large balance  and there are always other things you can spend your money on.


But what if paying more than the minimum means that you can not only see improvement in the amount you owe, but also know you are helping your credit scores as well? Perhaps that double dose of incentive will be enough to keep you on track!


Office worker marking calendar with red pen © Image Source, Image Source, Getty ImagesWhen it comes to your credit scores, paying just the minimum due on time is sufficient -- at least when it comes to the payment history portion of your credit scores. But the debt you carry is the second most important factor used to calculate credit scores, and here paying the minimum might not cut it.

 

A new survey reveals Americans are most embarrassed to admit their amount of credit card debt.

By MSN Money Partner Wed 12:35 PM

This post comes from Krystal Steinmetz at partner site Money Talks News.


Money Talks News on MSN MoneyWould you rather tell people your weight or your credit card balance?


A recent survey by the National Foundation for Credit Counseling found that nearly 40 percent of Americans are more embarrassed about their credit card debt than their age, weight, credit score or bank balance. Credit score came in a close second, with 30 percent of the vote.


Overweight © ULTRA.F/Getty ImagesJust 12 percent of respondents said their weight was the most embarrassing. And only 10 percent indicated their bank balance was humiliating.


The results of the NFCC survey are telling, according to Gail Cunningham, NFCC spokesperson.


"Since consumers revealed that the two facts they'd be most embarrassed to admit are related to credit, it is obvious that they are not comfortable with how they are currently managing their money," she said in a statement.


CBS MoneyWatch said credit card debt is still a conversational taboo, likely because of the amount of credit card debt people rack up.

 

Investing in a printer is worthwhile for anyone who prints fairly often. Save photo printing for providers with the right equipment.

By Cheapism.com Wed 12:20 PM
This post comes from Louis DeNicola at partner site Cheapism.com.

Cheapism.com on MSN MoneyWhether you have a project that needs to be printed or two tickets to the biggest show in town, access to a reliable printer is a must. But if you use a printer only occasionally, is it worth the space and the expense when you could head to an office supply store instead?

Man using a printer © Stephan Zabel/Getty Images

To understand the economics behind this dilemma, we compared the cost of printing at home to the prices charged by two national chains. The frugal-wise choice was quickly apparent.
 

Wondering how many credit cards you should carry? Can't figure how whether to close that old account? We have answers to these and other burning questions.

By MSN Money Partner Wed 12:10 PM

This post comes from Maryalene LaPonsie at partner site Money Talks News.


Money Talks News on MSN MoneyJudging from our inbox, there seems to be a lot of credit confusion out there.


Whether you want to know how many credit cards to carry or when Junior should get his own card, you've got questions. Lucky for you, we've got answers!

 

The day has finally come -- your teen asked for a card 'to establish my credit.' One expert says it might be a good idea to wait a while.

By Credit.com Wed 12:04 PM
This post comes from Gerri Detweiler at partner site Credit.com.

Credit.com on MSN MoneyShould high school seniors get a credit card to build credit? For these young adults and their parents, the question isn’t academic. They face this question as soon as they turn 18.


Father and son © Bill Cannon, Photodisc Red, Getty ImagesThe benefits of building good credit are numerous; lower interest rates when you borrow and lower insurance premiums are just two of them. If that’s the case, then wouldn’t establishing credit as soon as possible be a smart move? After all, the age of your credit accounts is one of the five main factors that go into credit scores, and the older your accounts, the better.


Not so fast, says Janet Bodnar, editor of Kiplinger’s Personal Finance magazine and author of the "Money-Smart Kids" column on Kiplinger.com. "I don’t think that high school seniors need to start thinking about building credit as soon as they turn 18 -- at least by getting a credit card. I don’t think young people that age have the maturity or real-world experience to manage credit, and it’s too much responsibility to put on their shoulders -- or their parents'."


Bodnar thinks kids should establish credit more gradually. She says:

 

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