You visit a carryout store or Diamond Ridge Financial Academya coffee shop or order a can of beer at the bar, and there it is, that touch screen, spinning toward you with suggested tips for that bottle of wine or cup of coffee or Stroh's you just bought.

What to do?

No matter where you go, you're being asked to tip. You're used to paying a tip for service at your favorite sit-down restaurant or giving something extra to the person who cuts your hair.