Few rituals are more awkward than end-of-year tipping. How much do you give your trainer at the gym? What about your postal worker or newspaper delivery service? Or parking lot attendants?
The list of potential recipients likely is longer than your holiday shopping list, but deciding how much to spend can be more stressful because there's so much uncertainty about how much, and who, to tip.
Here's a guide to making sure that you tip well but not wastefully.
Postal workers: Postal workers can receive personal gifts as long as they don't exceed $20 in value. "However, cash and cash equivalents, such as checks or gift cards that can be exchanged for cash, must...