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TO TIP OR NOT TO TIP?

Kiplinger's Personal Finance

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December 2025

If you're weary of widespread prompts to leave a gratuity, follow these guidelines on when it's customary—and when you can skip it.

- BY EMMA PATCH

TO TIP OR NOT TO TIP?

FEELING fed up with proliferating requests for tips? You’re far from alone. Most Americans—63%—have at least one negative view toward tipping, according to a survey earlier this year from Bankrate, up from 59% from the year before. And 41% of survey respondents said that tipping culture has gotten out of control.

Kiplinger's Personal Finance'den DAHA FAZLA HİKAYE

Kiplinger's Personal Finance

Kiplinger's Personal Finance

Same Story, Different Year

WHAT does the Federal Reserve's rate-reduction initiative mean in the short run for your fixed-income holdings? You'll recall that one year ago, the Fed cut three times, starting by hacking its benchmark overnight funds rate by 0.50 percentage point in September. The year ended with bond markets and fund returns in retreat. It's wishful thinking that cheaper short-term credit and falling money market yields will spark a general bond-buying binge and propel your 2025 total returns toward 10% by year-end.

time to read

2 mins

December 2025

Kiplinger's Personal Finance

Kiplinger's Personal Finance

WHEN HELPING MOM AND DAD HURTS YOUR WALLET

New research shows how assisting an aging parent with expenses can strain your own finances.

time to read

3 mins

December 2025

Kiplinger's Personal Finance

Kiplinger's Personal Finance

WHAT'S AHEAD FOR SOCIAL SECURITY

Bipartisan collaboration on a mix of reforms will likely be needed to keep the system solvent and benefits intact.

time to read

3 mins

December 2025

Kiplinger's Personal Finance

Kiplinger's Personal Finance

WHAT TO MAKE OF A HOT IPO MARKET

This year's crop of initial public offerings could be even dicier than usual because of a skew toward tech and crypto.

time to read

5 mins

December 2025

Kiplinger's Personal Finance

Kiplinger's Personal Finance

Grab a Deal on a Winter Getaway

In the early months of the year, travel demand dips-and so do prices.

time to read

5 mins

December 2025

Kiplinger's Personal Finance

Kiplinger's Personal Finance

8 DIVIDEND FUNDS TO CONSIDER NOW

Our picks deliver a diversified portfolio of dividend stocks.

time to read

6 mins

December 2025

Kiplinger's Personal Finance

A NEW WAVE OF ETFS IS ON THE WAY

A long-expected decision from the Securities and Exchange Commission is close to being official, and it could mean more exchange-traded fund options for investors.

time to read

1 mins

December 2025

Kiplinger's Personal Finance

Kiplinger's Personal Finance

CHECKING IN ON THE KIPLINGER DIVIDEND 15

Our favorite dividend payers have had a good year on average, beating the market and yielding twice as much.

time to read

14 mins

December 2025

Kiplinger's Personal Finance

THIS FUND FERRETS OUT HIGH-QUALITY STOCKS

THE U.S. stock market has been notching new highs, which tends to kick up the likelihood of a market pullback (defined as a drop of 5% to 10%) or even a correction (a 10% to 20% selloff). That's where JPMorgan U.S. Quality Factor comes in.

time to read

1 mins

December 2025

Kiplinger's Personal Finance

Kiplinger's Personal Finance

New Ways to Use 529 Funds

Tax-free withdrawals from these plans could help you sharpen your job skills.

time to read

2 mins

December 2025

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