Article: Tipping tips / Wallet-size card lists who to tip and how much.(VARIETY)

Here are some guidelines for tipping:

- You don't have to tip the Federal Express delivery person or a strolling musician in a restaurant.

- It's a federal crime to tip your postal carrier.

- For caddies, the proper tip is $10 for nine holes.

- For a hairdresser, tip a lower percentage for high-cost services (coloring, 10 to 15 percent), higher for low-cost services (up to 25 percent for set, style or cut).

- You shouldn't tip golf or tennis pros or trainers, but you should give them Christmas gifts.

- A baby sitter who's asked to do chores or to stay after midnight should be tipped up to 15 percent.

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