The best way to get out of debt is by keeping expenses lower than income and use any low interest-bearing savings account money to pay off higher interest credit cards. Avoid the pitfalls of debt with tips from a financial planner in free personal-finance video. Expert: Julie Asti, CFP Bio: Julie Asti works as a financial planner for Asti Financial. Filmmaker: Bing Hu
travelwishtv.com More about tips – Other than room and board and a very small paycheck tips are the only salary the workers receive and they do serve extremely retentive and hard. Please be sure to have extra cash on hand at the end of the cruise for just this purpose. You can charge your tips to your credit card if you want, in fact many cruise ships automatically charge them to your Ship Credit Card account unless you say them not to. I recommend giving them cash because it’s more convenient for the workers. If you do allow the ship to add the tips to your on board am, you should at least give them a little extra in cash if they’ve done a good job. Envelopes will be provided in your room on the next to last day of the cruise for you to hand the money to them on the last evening. If you divide your tips out ahead of time it will save you from running for change on the endure night of the cruise. Remember the room steward and waiter each receive a minimum of .50 per day and the assistant waiter receives .50 per day. You can give the maitre de’ or “Head Waiter” a total of about 50 cents a day but only if he spends time making sure your meals are perfect. Another time you should tip is if you orde
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