Podcasts about Tipping

Tipping has gotten out of hand and we have had it. B*tch this my money! Listen in as we exchange our own personal afflictions of tipping.SegmentsThe Root: Why do we not tell our partner how much we make?You Had To Be There: Lovers & Friends by Usher feat. Lil John & Ludacris YouTube:https://www.youtube.com/issablackthingInstagram:https://www.instagram.com/issablackthingTwitter: https://twitter.com/IssaBlackThingTikTok: https://www.tiktok.com/@issablackthing

Mayor Brandon Johnson's administration is defending the decision to sign a one-year, nearly $30 million contract with controversial private security firm GardaWorld Federal Services for the construction and operation of Chicago's migrant “base camps.” These are a network of tent encampments expected to house nearly 1,600 asylum seekers-currently living at police stations and airports. We sit down with South Side Weekly's Alma Campos and Block Club Chicago's Manny Ramos to break down some of the contract details and the firm's past controversies. We are also discussing the push to end the subminimum wage for tipped workers, a sit down with three environmental justice organizers, and a soccer-packed weekend at Soldier Field. Want some more City Cast Chicago news? Then make sure to sign up for our Hey Chicago newsletter.  Follow us @citycastchicago You can also text us or leave a voicemail at: 773 780-0246 Interested in advertising with City Cast? Find more info HERE  Learn more about your ad choices. Visit megaphone.fm/adchoices

Hosts Robert Land & Shaun Bijani (with Sports Radio 610) preview the Texans vs. the Jacksonville Jaguars with Bleav in Jaguars podcast Host Justin Dunk. Plus, Bijani on whether Pitre, Jimmie Ward & Tunsil will play Sunday, CJ Stroud's Top 5 passing stats, whether the Texans WR's are legit and is Ryan Pressly tipping his pitches.:47 - Do Jags think Texans are rivals?2:30 - Jags mentality after Chiefs loss4:30 - How can Texans take advantage of Jags?6:37 - Questions over Jags offensive play calling?8:14 - What does Trevor Lawrence need to show this yr?9:45 - How can Jags get signature win?11:07 - Do Jags need to send a message against Texans?15:33 - How has Calvin Ridley looked?17:18 - Jags running game vs. Texans19:10 - Will this be a blowout or close?21:52 - Will Jalen Pitre, Jimmie Ward or Laremy Tunsil play?25:10 - Does it mean anything that Stroud is #4 in passing yds?28:30 - Are Texans receivers' stats real?39:50 - Astros starting pitching mess40:34 - Ryan Pressly struggling?42:22 - Is Pressly tipping pitches?45:47 - Latest Dusty Baker gripeSubscribe on Youtube, Spotify, Apple, iHeart & Google Tiktok @HoustonSportsTalkRobert Twitter @HSTPodcast @ShaunBijani #texans #cjstroud #ryanpressly

The sneaky way restaurants get you to overtip.

You see it in pretty much every store/restaurant you go to... tipping. Whether it's 15%, 18%, 20%... Wherever you go to try to purchase something, they ask you to tip. Are you tired of "tipflation"? Dave and Debbie discuss and take listener calls. See omnystudio.com/listener for privacy information.

Welcome to Restaurant (R)evolution, our new miniseries dedicated to those doing things differently in the industry. Over the next few weeks, Radio Cherry Bombe host Kerry Diamond will be talking to folks changing and challenging the rules of the restaurant world to learn what they're doing and why.Today, Tracy Malechek-Ezekiel, the chef and co-owner of Birdie's in Austin, joins Kerry to talk about their “fine casual” concept, offering their employees paid family leave, health insurance, four weeks of planned and paid vacation, and more. Thank you to OpenTable and FOH for supporting this episode. Stay tuned for details on the Cherry Bombe + OpenTable “Sit With Us” series. And visit frontofthehouse.com to learn more about their dinnerware and tableware collections for the food service and hospitality industries. Hosted by Kerry DiamondProduced by Catherine Baker and Jenna SadhuEdited by Jenna SadhuEditorial Assistant Londyn CrenshawMusic by Tralala, “All Fired Up”Radio Cherry Bombe is a production of The Cherry Bombe Podcast Network. Subscribe to our newsletter and check out past episodes and transcripts here. More on Tracy: Instagram, Birdie's

(00:00) Intro (0:13) Weed stigma (1:55) Hair loss/gray hairs (6:19) Eminem talk (11:43) Tipping etiquette (14:43) Telemarketers/scammers (24:49) Changing phone numbers (26:18) Cancel cable? (30:09) House designs (37:19) Barefoot talk (42:01) Outro Chief and Danny join the show for a free swim. We get into Eddie's thoughts on people smoking weed, the different stages of hair loss, the proper etiquette for tipping, and more.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/thedogwalk

In this second hour of the show, join Ryan Wrecker as he discusses the potential strategy for Republican candidates to gain support among black voters in the future with nationally syndicated columnist and Fox News contributor, Deroy Murdock. They delve into the significant increase in black voter support for Donald Trump since 2016, the importance of opening dialogue with the black community, and the cultural issues that could sway voters away from the Democratic Party. Deroy Murdock highlights Trump's achievements in criminal justice reform and his willingness to engage with historically black colleges and universities.  Then, Ryan Wiggins takes a look at polling, discussing Americans' trust in the political system hitting new lows. He humorously ponders the state of tipping, suggesting it might be at an all-time low. To wrap up the hour, the show dives into the topic of oil prices, which are approaching $100 a barrel again, and questions whether the Federal Reserve is ignoring signs of another financial collapse.

Eric Zorn, Publisher of The Picayune Sentinel and Mincing Rascals regular, joins John Williams to talk about the traffic congestion during the Mexican Independence Day festivities, the city of Chicago’s effort to abolish the “subminimum wage” for tipped workers, and Alderman Ray Lopez’s proposed ordinance that would outlaw Little Free Libraries. John and Eric also revisit […]

Eric Zorn, Publisher of The Picayune Sentinel and Mincing Rascals regular, joins John Williams to talk about the traffic congestion during the Mexican Independence Day festivities, the city of Chicago’s effort to abolish the “subminimum wage” for tipped workers, and Alderman Ray Lopez’s proposed ordinance that would outlaw Little Free Libraries. John and Eric also revisit […]

Eric Zorn, Publisher of The Picayune Sentinel and Mincing Rascals regular, joins John Williams to talk about the traffic congestion during the Mexican Independence Day festivities, the city of Chicago’s effort to abolish the “subminimum wage” for tipped workers, and Alderman Ray Lopez’s proposed ordinance that would outlaw Little Free Libraries. John and Eric also revisit […]

When you want to give a tip at Chickfila.. Texans CB Steven Nelson sheds a tear after becoming a captain for Houston's squad.

The guys think the Steelers have to start dictating terms when they have the football. The players have to answer the call, but there need to be concepts that actually help the 11 guys on offense. 93.7 The Fan Sports Director Jeff Hathhorn joined the show. Jeff had some news regarding the Steelers as they added Diontae Johnson and Anthony McFarland to IR, meaning they will miss at least the next 4 games. Jeff thinks the Steelers receivers room has some versatility and would expect to see Calvin Austin a lot tonight. Jeff thinks DeMarvin Leal and Keeanu Benton will see a big uptick in snaps with the injury to Cam Heyward. Jeff reiterated that there is no panic within the building heading into a big game in week two. Jeff thinks it is a strength of Mike Tomlin to always have his guys up after a game they lose by 20+ points. Jeff gave 3 guys that are arrow up and arrow down heading into tonight. Jeff noted that he would give Nick Herbig more snaps if one of the top edge rushers need a breather. He questioned the love Tomlin showed the offensive line after last week's game. Jeff got into what the role is for Joey Porter Jr. right now.  Black & Gold Bets.  Mike Tomlin said the Steelers are going to fight fire with fire tonight with the Browns secondary. Does that mean Kenny Pickett will be throwing the ball? Should the Steelers open the game in tempo? 

Episode 99. You know how sometimes when there's some kind of big numerical milestone looming on a podcast, the episode just before it is a lackluster placeholder type of episode? Well, we were going to do that but Gaby was unavailable, so instead Dan and I come to you with this episode that is chock full of spicy, saucy, sassy, succulent, spectacular content. Also, lots of poop talk.   Tune in to hear... A BRAND NEW game that Dan actually prepared beforehand! A new segment called, "Talkin' Beer Here with Dan Hughes" Where Dan formulates his ideas. Duty Free Shops, and their infringement on our freedoms. TONS of discussion about Ireland: Dan's recent trip there, and his thoughts on prices. More thoughts on prices. Museums. Prices. Amphibious boats. Tipping in Dublin. Or lack thereof. Prices. Why everyone in the UK dips their chips in Guinness beer. Some game talk! A Few Acres of Rubbish.

Tip? No Tip? If you are wondering how much do you tip and where, we have got some answers. On this episode of Eight Frugal Minutes, we offer tips on how to tip within your budget and feel good about what you leave for service. Plus, we share why we refuse to tip when a business uses a digital point of sale to embarrass us into tipping random employees we've never met. --- Send in a voice message: https://podcasters.spotify.com/pod/show/eight-frugal-minutes/message

Today's episode is very funny and you will enjoy it,  or will you?????   https://www.bettyinthesky.net/

Jalen Hurts' path to stardom was unconventional l Aaron Rodgers goes full Batman on his IG post / Tipping for things has gotten out of control l BasketBill: Giannis' not so subtle hints.

Thursday's 7am hour of Mac & Cube started off with them saying what Alabama needs to fix and clean up; then, the boys look into whether or not the Tide was telegraphing plays in the Texas game; later, Chris Hatcher, head coach at Samford, says how he hopes to make Auburn uncomfortable and why self-scouting is important; and finally, the guys give their Top-3 albums (or what Greg considers albums).  "McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!!See omnystudio.com/listener for privacy information.

Orny Adams fills in for an absent Tim; MGM gets hacked by Russian hackers, and Caeser's Palace pays the ransom! // The weather is crazy; Marriage counselors are trustworthy, but renewing your vows… BOGUS!! // Scientists unveil alien mummies from Peru to the Mexican Congress.; There is something out there, but have aliens really landed on Earth? // Trevors…Travers… Traverse City, Michigan!; Tipping fatigue, enough is enough!

Join Chris Kaminski & Hao Dang as they discuss the how tipping is everywhere, even at self-checkout, have you noticed this too? Regional banks are forced to raise reserves. And The Great Resignation appears to be over. To learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

If you've left the house recently then you probably know that tipping culture is changing quickly. But what's a fair tip and what's just tipflation? Join us for a millennial moment as the ladies discuss how to tip right and everything you're doing wrong. If you like what you heard make sure to rate, review, […] The post You’re Not Wrong: You're Not Tipping Right appeared first on Radio Influence.

If you've left the house recently then you probably know that tipping culture is changing quickly. But what's a fair tip and what's just tipflation? Join us for a millennial moment as the ladies discuss how to tip right and everything you're doing wrong. If you like what you heard make sure to rate, review, […] The post You're Not Wrong: You're Not Tipping Right appeared first on Radio Influence.

I've stayed in my share of castles, but tonight is my first time in a palace. I'm at Cashel Palace and my Garden View Suite has an incredible view of the Rock of Cashel. Before I tell you about this amazing property, let me share a great question from Michael O'Connor. How do you tip […] The post Tipping in Ireland | Traveling in Ireland Podcast Episode 166 appeared first on Ireland Family Vacations.

The Gospel Coalition seems to have an opinion, as evidenced by a recent article: Generous Tipping to Honor the King. Then, can Christians vote for Democrats?, do we really need to do good works?, and, via Christianity Today, the ministry of staying put.  Follow The Common Good on Facebook, Twitter and Instagram Hosted by Aubrey Sampson and Brian From Produced by Laura Finch and Keith ConradSee omnystudio.com/listener for privacy information.

On today's shortened episode we discuss Vegas News    https://www.bettyinthesky.net/

After all the feedback on Part 1 of the tipping episode of #theroundup, we decided to do another one. In this episode Nick announces their new concept in Lebanon, and we discuss his tipping policy, and discuss feedback from the previous episode. Jason Ellis from SuperSource joins the show toward the end, and helps us answer some questions around tipping at sporting events. --- Send in a voice message: https://podcasters.spotify.com/pod/show/brandon-styll/message

FOOTBALL IS BACK BABY!!!! Shawne Merriman joins the show to preview the Dolphins vs Chargers. DBJ gets his lines for Saturday's UM broadcast vs Texas A&M. Plus, a serious conversation about how out of control tipping has become. 

In hour two, we go over game props for tonight's Chiefs vs Lions game. After, a discussion about how tipping culture has gotten out of hand and Hoch hears a loud crash in his house during the show. Then, Don Bailey Jr joins the show for his lines to work into Saturday's UM - Texas A&M game. 

CC & Skills discuss how they feel about their last kid going into his senior year of high school. The couple share a story of a not so perfect tip at a local restaurant and how the situation made them feel and what they did to make it right. 

Highlights: The Guardians fell 6 games behind the Twins on Monday night with a 20-6 loss. Terry has thoughts with what was the deal with Lucas Giolito; Terry's take on what he's seeing from up-and-comers Gabriel Arias and Bo Naylor; Are Chris Antonetti and Mike Chernoff regretting any of the deals they made at the deadline and wishing they'd given this team more of a chance to win the division? Some Terry's Talkin' fan questions on Myles Straw's future in center field; whether Josh Bell is producing again because he's a "National League" hitter; and what the Guardians are getting from Kole Calhoun; Was it right for Deshaun Watson to predict "fireworks" when the Browns open the season against the Bengals on Sunday; Why the Browns should be like "sparklers" on Sunday; Terry talks about new Browns special teams coordinator Bubba Ventrone and what things will look like under his direction; We pick our X-factors for the season -- players who aren't headliners but could make the difference in the Browns being good or bad; Our 2023 Browns season predictions; and Terry shares his thoughts on Jimmy Buffett, who passed away over the weekend. Learn more about your ad choices. Visit megaphone.fm/adchoices

America Emboldened with Greg Boulden – Inflation is being felt throughout every household. The cost of living has increased faster than wages. Since the pandemic, every transaction feels like it comes at a premium cost. There is nothing worse than hearing the seven most annoying words at the point of retail, “Would you like to add a tip?” Tipping was once reserved for the service industry. Servers would be paid by the gratuities of...

Do you hate hidden hotel, housing, airline, ticketing, banking, and other corporate fees? Do you want Congress to do something about them? In this episode, learn about the wide range of unreasonable fees being reported to Congress during hearings and examine what proposals could have bipartisan support. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank's online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Recommended Congressional Dish Episodes FTC Authority Ronald Mann. Apr 23, 2021. SCOTUSblog. Supreme Court of the United States. April 22, 2021. Junk Fee Overview Ashish A. Pradhan. May 19, 2023. The National Law Review. Will Kenton. January 24, 2023. Investopedia. Brian Deese et al. October 26, 2022. White House Briefing Room Blog. October 20, 2022. Federal Trade Commission. Brian Canfield et al. July 7, 2021. Institute for Policy Integrity, NYU School of Law. Internet *Federal Communications Commission Healthcare August 8, 2022. Federal Trade Commission. Banking/Payments Lindsey D. Johnson. July 26, 2023. Consumer Bankers Association. July 11, 2023. Consumer Financial Protection Bureau Newsroom. Offices of Consumer Populations and Markets. May 23, 2023. Consumer Financial Protection Bureau. October 26, 2022. Consumer Financial Protection Bureau Newsroom. September 28, 2022. Consumer Financial Protection Bureau Newsroom. August 16, 2022. Pennsylvania Office of Attorney General. August 16, 2022. U.S. District Court for the Eastern District of Pennsylvania. Joe Valenti. March 30, 2022. * Consumer Financial Protection Bureau Blog. January 26, 2022. Consumer Financial Protection Bureau Newsroom. December 7, 2020. Consumer Financial Protection Bureau Newsroom. December 28, 2018. Pennsylvania Office of Attorney General. Housing July 19, 2023. White House Briefing Room. March 14, 2023. National Consumer Law Center. Jennifer Ludden. January 13, 2023. WBUR. Airlines Reid Bramblett. Frommer's. Suzanne Rowan Kelleher. Mar 7, 2023. Forbes. U.S. Department of Transportation. U.S. Department of Transportation. December 13, 2022. U.S. Department of Transportation. November 2022. Statista. Rosie Spinks. June 1, 2018. Quartz. May 2011. Jones Day. Hotels November 17, 2021. Pennsylvania Office of Attorney General. Christina Jelski. Mar 12, 2021. Travel Weekly. November 28, 2012. The Federal Trade Commission. Ticketing June 20, 2018. U.S. House of Representatives. Anne Bucher. June 13, 2018. Top Class Actions. “Susan Wang and Rene' Lee v. StubHub, Inc. Case” [No. CGC-18-564120]. The Superior Court of the State of California, County of San Francisco. Cars June 23, 2022. Federal Trade Commission. Laws Bills Audio Sources July 26, 2023 Senate Committee on Banking, Housing, and Urban Affairs, Subcommittee on Financial Institutions and Consumer Protection Witnesses: Attorney General, Commonwealth of Pennsylvania Director of Housing Advocacy, Atlanta Legal Aid Society Manager Director, Patomak Global Partners Clips Michelle Henry: In the consumer finance space, we recently filed a multi-state lawsuit against Mariner Finance, a Wall Street private equity-owned installment lender. Our lawsuit alleges that Mariner charged consumers junk fees for hidden add-on products that consumers either did not know about or did not agree to buy. These hidden add-on products, such as credit insurance and auto clubs, are typically low- or no-value products. Consumers left Mariner believing that they had entered into an agreement to borrow and repay over time a certain amount of money. In reality, because of these hidden junk fees, Mariner added hundreds to thousands of dollars to the total amount a consumer owed. The cost of the junk fees is staggering. For a random sample of loans originated in Pennsylvania in December of 2020, Mariner charged each consumer an average of $1,085 in junk fees for an average of $3,394 in cash borrowed. Michelle Henry: We also had a significant junk fee settlement in 2018 with Wells Fargo. This settlement stemmed from Wells charging its auto finance customers millions in junk fees. Despite evidence that many customers already had the required car insurance, Wells improperly charged more than 2 million accounts for force-placed insurance. To resolve the multi-state action, Wells agreed to pay states $575 million. Michelle Henry: In 2021, we announced the landmark junk fee settlement with Marriott International. For many years, travelers had been misled by the published rates offered by hotels for a night stay, only later to be hit with the mandatory resort fees when they were checking in. Thanks to our settlement, Marriott now has a policy in place to be upfront and transparent in the disclosure of mandatory fees, including resort fees, as part of the total price of a hotel stay, allowing consumers to compare total costs for hotels and find the one that is the best fit for them. Marriott was the first hotel chain to formally commit to the upfront disclosure of resort fees as part of the initial advertised price. We hope others will follow. Michelle Henry: In the end, what we are fighting here for is basic fairness and transparency. When consumers are shopping online or in person, they deserve to understand what a loan, a house, or a vacation will cost and exactly what key terms they're agreeing to. At the same time, all businesses deserve to compete on an even playing field, where the price is the price with no hidden surprise fees. Lindsey Siegel: My name is Lindsay Siegel and I'm the Director of Housing Advocacy at Atlanta Legal Aid, which provides free civil legal services to families with low incomes in the metro Atlanta area. Today, I will focus on the rental housing market and how predatory and hidden rental fees gouge families living in poverty and make their rent even more unaffordable than it already is. Miss Dixon is a single mother who found an online listing for an apartment in the fall of 2020. The advertisement said it rented for $1,400 per month. It did not list any other monthly fees she would be required to pay. She applied and paid $525 through the landlord's online portal, which covered her $50 application fee, a $175 moving fee, and a $300 screening fee, all of which were non-refundable. She was not able to see the lease or the apartment she'd be renting, but she knew if she did not pay sight unseen she would lose the apartment. And when her application was approved a few weeks later, the landlord charged her another $200 approval fee. She finally received and signed a copy of her lease just two days before she was slated to move in. It was 50 pages long and contained to eight different addenda. She had expected to pay her rent and for water. She didn't expect to be responsible for a package locker fee, a trash removal fee, a separate valet trash fee, a pest control fee, a technology package fee, an insurance fee, and a credit reporting fee. When the fees added up, $83 had been tacked on to her monthly rent. And to make matters worse, Miss Dixon's landlord did not accept the rent by cash, check, or money order. When she paid through the landlord's online portal she was charged another $72-per-payment convenience fee. The low income renters Atlanta Legal Aid represents have an extreme power imbalance with their landlords. The high demand for rental housing, especially at the more affordable end of the market, makes some landlords believe they can easily get away with unfair and deceptive lease terms and rental practices. The bait and switch Miss Dixon experienced where the landlord advertise the rent as one price only to raise it much higher with junk fees after she had spent hundreds of dollars up front is a far too common practice of many investor landlords in the Atlanta area. Low income renters like Miss Dixon become trapped. She couldn't afford to walk away from a predatory lease two days before she was supposed to move in, even if she realized it would be unaffordable. Of particular concern are the use of high application fees. They often far exceed the cost of running a report, and most renters have to pay them several times before finding a home to rent. We've heard reports that some institutional landlords even collect application fees after they've found a renter for an available home. Brian Johnson: The focus of the President's initiative has been on applying political pressure to companies to induce them to change their fee disclosure practices. In the process, the White House and supporting agencies have dismissed broad categories of fees as junk without ever providing any consistent definition of the term, which has created uncertainty as to which fees can be assessed by institutions without undue reputational or regulatory risk. Brian Johnson: The CFPB has been the most enthusiastic among regulators in heeding the President's call, indiscriminately attacking a growing list of common financial service fees, no matter that they are lawful and fully disclosed. Brian Johnson: The agency has publicly hectored companies about deposit account fees and used the implied threat of investigation to induce such companies to abandon these legal fees. Further, in addressing other fees, the CFPB appears appears to have violated its own regulations and laws governing how agencies proffer rules by disguising interpretive rules as policy statements in bulletins and issuing circulars that function as legislative rules. In another instance, under the guise of interpretation, the CFPB read a word into a statute to achieve its desired policy outcome. In still another, the agency treats the rulemaking process as a foregone conclusion, acting as though a still proposed rule has already taken effect, signaling that the agency has no interest in considering public comments, establishing an adequate evidentiary basis to support its conclusions, or considering potential changes to improve the rule. These examples demonstrate an abuse of power and the agency's disregard for process and the limits placed on it. Moreover, the CFPB's behavior subverts the authority of Congress to oversee the agency and legislate the legality of fees in our financial marketplace. Simply put, it's not playing by the rules. Lindsey Siegel: So I think the federal government does have a role to play. The CFPB could create best practices, investigate junk fees further -- especially those being charged for tenant screening reports -- could bring enforcement actions against debt collectors that engage in collection practices that violate the Fair Debt Collection Practices Act in their collection of rental debt especially includes collection of junk fees. And certainly, you know, HUD could further study and address the disproportionate impact of these practices on renters and rental applicants of color. Lindsey Siegel: Tenants living in Atlanta have a very hard time finding a rental, finding a home, that's not owned by a corporate landlord at this point. They have bought up many properties in the Atlanta area and they always seem to be working in lockstep so that once one institutional landlord is charging a certain kind of fee then another one tends to charge it as well. Just one example of this is the proliferation of landlords charging for insurance fees, and often tenants will think that these are renters insurance because they're often called renter's insurance. But it's not like traditional renter's insurance that protects the renter and their property if it's destroyed. What it does is protect the landlord and doesn't really provide a benefit to tenants at all. And we've seen that proliferate with investor landlords in particular. Sen. Thom Tillis (R-NC): I can't imagine any reasonable member of Congress not saying, "I want the person to know what their financial obligation is when they sign an instrument, not after they read page 10 in the fine print." Sen. Thom Tillis (R-NC): I'm less caught up in whether or not a trash collection fee is appropriate or not, and more caught up in, does that renter know at the point in time they're signing a lease what they're expected to pay every month? Michelle Henry: We often see things bleed over state lines and boundaries, as you are well aware, and so it's important that we work together to enforce these matters. Sen. Raphael Warnock (D-GA): How often do these kinds of cases cross state lines? And would having federal standards against these types of hidden fees make these cases easier to bring? Michelle Henry: Almost always. And I think that's critical. Where we have been most successful is joining with our fellow states, other attorneys general, partnering with them, and including the CFPB. In December of 2020, the CFPB, with all 50 states and the District of Columbia, filed enforcement action against Nationstar mortgage, again for deceptive practices, for not being transparent when they were servicing borrowers mortgages, and as a result of that joint effort we were able to obtain a settlement of $73 million and brought aid to 40,000 borrowers. Michelle Henry: You know, the reality is a lot of times consumers get misled. So they start, they're looking on the internet, they're trying to do due diligence and look for the best price, whether it's for a hotel, a vacation, and they're in there examining it, and they get led to a certain area of a certain website thinking that's the best price. And they go down this rabbit hole where they have no idea at the end of it that the price they thought they were going to pay for a hotel stay with their family is actually far larger because of fees that they weren't prepared, were not properly advised of, and at that point, they're so far in or they never discover it. So no, I don't think they understand exactly what to be aware of. We're trying to do our best to educate but far more work needs to be done, and I applaud this committee for working on it. Sen. Raphael Warnock (D-GA): If more federal agencies had the authority to address these hidden fees, how would that affect your office's capacity? Michelle Henry: It would help tremendously. Sen. Raphael Warnock (D-GA): Thank you so very much. Michelle Henry: If history is any lesson, we know that they can't be trusted to act in the best interest of consumers on their own. Look, they're in the business of making money for their shareholders and we need robust consumer protection rules and enforcement to ensure that. Sen. Thom Tillis (R-NC): So what we're talking about here is not the "what," it's the "how." And I for one do not think that the regulator's who have demonstrated pushing the boundaries of their authority, giving them more authority is a good idea if we're coming up with a real bipartisan sustainable solution. Sen. Thom Tillis (R-NC): The problem we have here too, when we transfer power out of Congress to another branch, yes, that changes every four years or so. So you may be thrilled with a regulatory regimen that comes out from the CFBP today, but because of the way they behaved, it'd be one of the first things I would work to repeal if the administration changed and withdraw it. Sen. Thom Tillis (R-NC): I'd like to submit for the record a letter from the Consumer Bankers Association on the subject. Sen. Thom Tillis (R-NC): Mr. Johnson, can you talk about the effect of the method that the CFPB is using to go after this and the impact that it can have, the negative implications that has? Is the CFPB's tendency to name and shame business institutions to avoid certain practices or adopt new ones effective regulation? They're not really thinking through the full impact and all the potential unintended consequences. Can you think of any example under this current leadership of the CFPB where they have taken that into consideration? Can you speak a little bit about the efforts and the length the CFPB goes in an effort to avoid judicial review and skirt the APA process? June 8, 2023 Senate Committee on Commerce, Science, and Transportation: Subcommittee on Consumer Protection, Product Safety, and Data Security Witnesses: Chief Executive Officer, National Consumers League Bruce Greenwald Professor of Business, Marketing Division, Columbia Business School George Mason University Foundation Professor of Law, Antonin Scalia School of Law, George Mason University Clips 21:35 Sen. John Hickenlooper (D-CO): Simply put, these are fees that are disclosed to a consumer midway through or at the end of a transaction, or they're fees that serve no tangible purpose for a consumer, like a processing fee, and that they are mandatory or unavoidable. 28:00 Sen. Marsha Blackburn (R-TN): The way I look at this issue, and the way many Tennesseans look at it, is this is another way for the FTC, the CFPB, DoT, and all these regulators to clamp down on businesses and try to micro manage businesses. 30:42 Dr. Vicki Morwitz: as a strategy where firms decide to divide a product's price into two or more mandatory parts, a base price for the main product and one or more mandatory surcharges, rather than charging a single all-inclusive price. For example, many hotels have a mandatory fee on top of the daily room rate. These are sometimes called resort fees, or facility fees, or destination fees and can range from $20 to over $50 a night. And many rental car agencies assess several mandatory fees on top of the daily rental rate, such as concession recovery fees, customer facility fees, energy recovery fees, and vehicle licensing fees. 31:20 Dr. Vicki Morwitz: In general, what research on partition pricing has shown is that when firms separate out mandatory surcharges consumers tend to underestimate the total price they'll have to pay and they're often more likely to complete the purchase. 31:50 Dr. Vicki Morwitz: With drip pricing, firms advertise only part of our products' price upfront and reveal other charges later, as shoppers go through the buying process. Drip fees can be mandatory or can be for optional items, but for today's testimony I'll focus on the dripping of mandatory surcharges. Drip pricing is commonly used in industries like the cable TV and the ticketing industries. When a consumer shops for a TV-Internet bundle from a cable television provider, they may first see an attractive base price offer for the bundle, but later learn there are also broadcast TV fees, set top box fees, regional sports fees, and TV connection fees that raise the price considerably. And a consumer shopping for a ticket for a live event, like a concert, a play, or a baseball game, typically first sees the price for different seats in the venue. After selecting a seat, as the consumer clicks through more webpages, they may come to learn there's also a mandatory booking fee, ticketing fee, venue fee, and delivery fee, even when the tickets are delivered electronically. Eventually, they see a total price that may be much higher than the first price they saw and they may be under time pressure to complete the purchase, as there might be a countdown clock that indicates they have to complete their purchase in just a few minutes. Or they may be told there's only two seats left at that price. 33:00 Dr. Vicki Morwitz: What research has shown is that when surcharges are dripped, consumers end up being more likely to buy a product that appears cheaper upfront based only on the base price, but that's more expensive and total given the drip fees. Consumers also tend to buy more expensive products than they otherwise would, such as a seat closer to the stage for a live event. 35:00 Dr. Vicki Morwitz: These policies will benefit consumers if they require that upfront stated prices must be all-inclusive. In other words, all mandatory fees must be included in the total price and that the total price should be seen upfront. This is what academic research suggests will be most beneficial to consumers. 39:20 Dr. Todd Zywicki: Everybody knows bags fly free on Southwest, everybody knows bags don't fly free on the legacy airlines, everybody knows there's going to be a fee for for bags on the other airlines and the like. Maybe there's ways you can disclose it, but nobody's fooled at this point. 42:45 Sally Greenberg: If consumers hate junk fees so much, why do companies large and small increasingly impose them? The answer is, unsurprisingly, because they are a substantial profit center. 43:20 Sally Greenberg: Late payment fees charged by banks and credit cards cost American families an estimated $12 billion annually. These fees, which can be as much as $41 for each Late Fee Payment, far exceed the cost to the issuer for processing and do little to deter future delinquent payments. 43:40 Sally Greenberg: Airlines are also poster children for junk fees. Globally, revenue from junk fees, ancillary fees in airline speak, brought in $102.8 billion in 2022. To put this in perspective, junk fees last year made up 15% of global airline revenues, compared to 6% only 10 years ago. 44:00 Sally Greenberg: Anyone who buys tickets to a concert or sporting event is well acquainted with the myriad fees. They're added at the end of the ticket buying process. We have the example that you showed, Senator Hickenlooper. Primary and secondary market ticketing companies charge service fees, order processing fees, delivery fees and other charges that increased ticket prices on average 27% for the primary market and 31% for the secondary market. 45:05 Sally Greenberg: Junk fees themselves are anti-competitive. They make comparing prices more difficult, distorting well functioning marketplaces. Honest entrepreneurs who invest in their businesses, innovate, and strive to create better value for their customers lose business. Action to address the consumer and competitive harm created by junk fees is urgently needed. 45:30 Sally Greenberg: First, we would urge you to support S. 916. It's the Junk Fee Prevention Act, which would require some of the worst abusers of junk fees to display the full price of services upfront, and they would bar excessive fees and ensure transparency. Second, we ask that Congress restore the FTC's ability to obtain strong financial penalties from wrongdoers. The Supreme Court, in 2021, overturned AMG Capital Management v. FTC, wiping out a critical enforcement tool for the commission. S. 4145, which is the Consumer Protection Remedies Act, would restore that ability to impose monetary relief to the commission. And finally, Congress must not allow businesses that trap consumers with unfair and deceptive fees to escape accountability through fine print in their contracts. To that end, we're proud to support S. 1376, the Forced Arbitration Injustice Repeal Act, which would prohibit pre-dispute arbitration agreements from being enforceable if they require arbitration in employment, consumer, antitrust, or civil rights disputes 44:35 Sally Greenberg: Renters, for example, tend to have lower incomes than those who own their homes. These consumers are also some of the most preyed upon by abusive junk fees. A 2022 survey conducted by Consumer and Housing Advocates found that 89% of landlords imposed some rental application fees[[ clare, 8/7/2023 2:09 PM couldn't find this specific survey]], nearly as many renters paid excessive late fees and they also get hit with utility, administrative, convenience, insurance, and notice fees. 51:30 Sen. Marsha Blackburn (R-TN): I'm not hearing from Tennesseans about junk fees. They're just not talking about. They are talking about real economic harm. And I think for some it's been kind of perplexing that we would focus on this issue. I even had one Tennessean say, "Well, what exactly is a junk fee? And what are the economic harms that come to people for fees for discretionary services?" 53:20 Dr. Todd Zywicki: I can't see any reason why people who pay their credit cards on time should have to subsidize people who pay their credit cards late. The evidence is clear on this from the that if you reduce late fees, more people pay late. The makes clear that if you reduce late fees, everybody ends up paying higher interest rates and, and lower income and higher risk borrowers get less access to credit. So most of what we see in the market is efficient. It prevents cross consumer subsidies and a lot of these things that are labeled as junk fees are actually just efficient multi-part pricing. 1:00:30 Dr. Vicki Morwitz: When a larger firm, or really any firm, uses hidden fees or surcharges, it doesn't only hurt consumers, but it hurts well intentioned, honest competitors like many of our country's small businesses that you're talking about. So when a larger firm makes salient a lower base price and only puts in small print or only reveals at the end of the shopping process that there are additional mandatory fees, their product offerings may appear, at least at first, to be cheaper than those of say a small business, an honest competitor who uses all inclusive prices, whose prices at least at first then, will appear more expensive, even if they're actually cheaper in total when the hidden fees of the large firm are added in. Now, research shows this is going to lead consumers to be more likely to even first consider the products and services of the larger firm who uses hidden surcharges because their products seem cheaper. In other words, their supposed low prices draw consumers in. But then having first consider their products consumers will also be more likely to stick with that firm and ultimately purchase their products, even when they're more expensive in total with the fees. So these hidden fees, they don't only hurt consumers by leading them to make purchases that are against their own self interest, but it also hurts honest competitors who are using transparent pricing practices. 1:04:10 Sen. Amy Klobuchar (D-MN): One area of this high excessive fees is ticketing. We had the hearing earlier this year with the president of Live Nation/ Ticketmaster, and other witnesses and as you are aware, the facts are quite startling. It's being reviewed by the Justice Department, including 90% monopoly on ticketing for major NFL, NHL events, 80% for major arena events, and 70% monopoly when it comes to all ticketing. In addition to that, Ticketmaster now owns a number of venues and also locks in a number of other venues that they don't own with their services for in excess of seven years, which is a subject of a bill that Senator Blumenthal and I have introduced, because this locking in makes for even less competition. And then finally, Live Nation promotes the act. So it's like a three cornered monopoly. 1:12:30 Sally Greenberg: Yes, you may know that you have a baggage fee, but there are many people who are older, who have disabilities, who may have children with them; they cannot be carrying their bags onto the airplane. So they are forced to eat the cost of a $35 fee, something that used to be free before, and has jammed our airplanes full of luggage up top, creating hazards for flight attendants as well. 1:13:55 Sally Greenberg: We certainly support the Good Jobs for Airports Act. I think many consumers had no idea that a lot of these workers were not making minimum wage[[ clare, 8/7/2023 2:08 PM couldn't find a source for this.]], were relying on tips. And many people who use the wheelchairs and the curbside baggage services did not know that people were living on tip wages and many people don't tip, as some of us who've been tipped workers know. Tipping is very up and down and certainly not a reliable source of income. So yes, we very much appreciate that legislation and it's long overdue. 1:21:20 Dr. Todd Zywicki: Junk fees is a meaningless term, but it's worse than meaningless. It's actually pernicious, which is that by sort of using this blanket conclusory label, it obscures the complexity of this, the difference between trip pricing, risk based pricing, multipart pricing, partition pricing, and that sort of thing, and it kind of sweeps into one bucket things that are legitimate, things that are aren't, things that might be partially legitimate. And now it's even got more confusing because if you look at the FTC rule, for example, on auto dealers, they take things like nitrogen filled tires, they charge more money for a claim that's a junk fee. The problem with that is not that it's a separate price for nitrogen filled tires. The problem, if there's a problem, is that nitrogen filled tires are garbage, right? There's nothing there. It doesn't matter whether it's disclosed separately or bundled in the price if it's a worthless product. And so when we talk about junk fees, we can end up confusing ourselves, lumping in things because we want to just apply this label to it, whereas I think it'd be much better to understand risk based pricing. What are things where they're pricing for something that you get no value from? What are the things where they're pricing things simply to extract wealth from consumers and the like? Executive Producer Recommended Sources Music by Editing Production Assistance

What goes through the mind of a killer when they commit murder? Based on the massively successful Netflix documentary series of the same name, this book features ten of the most compelling cases from the first two series and is full of exclusive never-seen-before material.The authors, Ned Parker and Danny Tipping secured exceptional access to high-security prisons across America. The majority of the killers will die in prison – either by serving their sentence of life without parole or they are on Death Row, waiting to be executed. In each of the cases the inmate speaks openly about themselves and reflects on their life and their crimes. To gain a complete picture of the impact of the murders the authors spoke to both the families of both the perpetrators and the victims, and those in law enforcement who were involved in the case, leaving it up to the reader to make up their own mind about the killers and their crimes.The book draws on handwritten letters from the inmates and full transcripts of the interviews to tell each story, and features exclusive material including personal pictures, crime scene images, and original police and court documents, this is a fascinating and detailed look at some of America's most gripping murder cases. I AM A KILLER: What makes a murderer, their shocking stories in their own words-Danny Tipping and Ned ParkerRitual.com/MurderThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/3269715/advertisement

Doug joins us on today's very funny episode.  We discuss Vegas news and our views.   https://www.bettyinthesky.net/

Some people argue for tipping. Some people argue against. But the one thing that unites most people with an opinion on the topic is a lack of understanding of where the practice came from in the first place.In this episode, Cal and Steph walk through the history of tip culture, how that led to vastly different norms around the world, and the confusing place we're left in today – especially in an era of Square terminals and where tipping seems to be infiltrating the unexpected.Has tip culture gone too far? Listen in to find out.This episode is not affiliated with Steph's work at a16z and is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. For more details please see a16z.com/disclosures.

As "tipping culture" gets even more out of control. If it meant a shorter wait...would you tip?See omnystudio.com/listener for privacy information.

Kellie thinks tipping has gone too far, and J-Si's daughter wants a big big birthday present.

Hour 1 of the Adam and Jordana Show features a fair question of the day about tipping, conversations about working moms and a discussion with our state fair roving reporter Sam Salem.

A Daily "Buzz 24/7" feature from Greg & The Morning Buzz

Hear the WHOLE show for the first time anytime of day with The Morning Buzz On Demand.

Tipping mastermind (and premiership player) Libby Birch joins Andrew Wu and Peter Ryan to talk strategy, bluffing and dodgy play. Plus, tips for round one of AFLW season eight, how clubs are starting to share game style between their men's and women's teams and much more.   Got a question about your club? Send it to realfootypod@theage.com.au for our hosts to answer. Follow us on Twitter and Facebook. And if you value independent, quality journalism, please subscribe to The Age today. Thanks for listening and don't forget to check out more great podcasts from The Age & SMH. Support the show: https://subscribe.theage.com.au/Support the show: https://subscribe.theage.com.au/See omnystudio.com/listener for privacy information.

To tip or not to tip, and how much to tip, that is something one needs to find out when visiting a foreign country. And if you happen to be paying a visit to North America, the answers might not be so straightforward anymore? Do self-checkout machines deserve a tip too? / What have you stopped buying after 35 (18:51)? On the show: Heyang, Gao Junya & Josh Cotterill

Have you ever wondered about the origins of tipping and how the culture of tipping evolved? If so, this episode is for you. I've personally never been a fan of tipping. From trying to figure out what is a good tip, to making sure to have small bills (and sometimes large ones) and then having to keep cash on hand, there's a lot to think about around tipping. The only time I have enjoyed tipping is when giving something to someone who didn't expect anything at all, and saw it as a blessing to receive it. In this episode, I go a bit into the history of tipping, how it creates inequity, the movement to move away from tipping, but how tipping is unlikely to go away in the U.S. Please subscribe and leave a review on your favorite Podcasting platform.  If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbookYou can learn more about Elisa at her website or follow her on social media.Website: https://ww.GrowYourWealthyMindset.comInstagram https://www.instagram.com/GrowYourWealthyMindsetFacebook https://www.facebook.com/ElisaChianghttps://www.facebook.com/GrowYourWealthyMindsetYouTube: https://www.youtube.com/c/WealthyMindsetMDLinked In: www.linkedin.com/in/ElisaChiang  

1. Tipping culture sparks controversy among Koreans 기사 요약: 늘어나는 '팁 문화'에 한국서 상반된 반응 나타나 [1] A popular Seoul-based bagel shop recently became a lightning rod when a photo from the shop went viral online. Sitting next to the cash register was a tip jar -- a sight that touched the nerves of many Koreans who feel store owners are shifting the burden of rising operating costs to consumers by attempting to introduce gratuities. *rod: (쇠)막대기, lightening rod: 피뢰침, 논란의 대상 *touch the nerve of ~: ~의 반응을 불러 일으키다 *gratuity: (=tip) 팁 [2] Tipping is not expected or practiced by customers in South Korea, but over the years, a few local businesses have started asking for tips. The bagel place in question is famous for having a London theme -- the irony being that tipping is not essential in the UK, particularly in shops like that one where customers pick out their own products and walk up to the cashier to pay for them. *in question: 문제의/ 얘기, 논의가 되고 있는 *essential: 필수적인, 필요한 [3] Much of the general population remains negative toward the practice of tipping. Kakao Mobility Corp., the operator of the nation's biggest taxi-hailing service Kakao T, introduced a system last month where users can choose to add a tip to their fare when service was satisfactory. A recent survey by local pollster Open Survey showed that 71.7 percent of respondents said they are against the taxi platform's tip function, with only 17.2 percent saying they are for it. *hailing: (택시,버스 등을) 신호를 보내다, 부르다/ 우박, 쏟아붓는 *satisfactory: 만족스러운, 충분한 기사 원문: http://www.koreaherald.com/view.php?ud=20230824000832   2. Seoul to help women freeze their eggs 기사 요약: 서울 사는 20~49세 여성을 대상으로 난자 냉동 시술비 200만원 지원 나선 정부   [1] The Seoul Metropolitan Government said Thursday that it will provide up to 2 million won ($1,511) to 300 women who wish to freeze their eggs via cryopreservation from Sept. 1, as a part of the city government‘s measure to tackle the falling birth rate. *cryopreservation: 냉동 보존, 저장 [2] All women of Korean nationality residing in Seoul who are of childbearing age -- between ages 20 and 49 -- are eligible to apply if they have resided in Seoul for more than six months and are looking to have children now or sometime in the future. Some applicants may be selected based on their household income and Anti-Mullerian Hormone results, which should be proven through documents that must be submitted during the application process. Applications must be made retroactively within a year after the cryopreservation process has been completed, and the process must begin after Sept. 1 to be eligible for the support. *eligible: ~를 가질 수/ 할 수 있는 * retroactively: 소급적으로 [3] According to a survey conducted by CHA Fertility Center, 69.8 percent of unmarried women and 64 percent of married women are willing to preserve their eggs. However, the majority of women have not been able to do so as each cryopreservation procedure costs from 2.5 million won to 5 million won per session and is not covered by national health insurance. *covered by: 보험이 적용되는/ cover: 표지, 이야기를 다루다, 덮다 기사 원문 : http://www.koreaherald.com/view.php?ud=20230824000714 [코리아헤럴드 팟캐스트 구독] 아이튠즈(아이폰):https://itunes.apple.com/kr/podcast/koliaheleoldeu-paskaeseuteu/id686406253?mt=2 네이버 오디오 클립(아이폰, 안드로이드 겸용): https://audioclip.naver.com/channels/5404 팟빵 (안드로이드): http://www.podbbang.com/ch/6638 위 팟캐스트 에피소드에는 스포티파이의 후원광고를 포함하고 있습니다. 지금 바로 스포티파이 포 팟캐스터에서 팟캐스트를 만들어보세요! http://podcasters.spotify.com

In this episode, Anna explains how to tip in Italy, and how Italians approach this tricky topic. You can read an interactive transcript of this episode (which highlights the words as they're spoken) whilst listening: https://languatalk.com/blog/podcast/italian?via=italianpod. Looking to learn Italian fast with a tutor? Meet a tutor (like Anna) for a trial session here: https://languatalk.com/italian-tutors-online?via=italianpod

Editorial Cartoonists Ted Rall (from the political Left) and Scott Stantis (from the political Right) discuss breaking news and politics. Former New York City mayor and Trump attorney, Rudy Giuliani, loses his anti-SLAPP motion against Georgia election workers whom he libeled during the 2020 election controversy. Ted and Scott discuss the ramifications on the upcoming Trump RICO trial in Georgia. Plus, we discuss Ted's recent birthday and his getting closer to Medicare and thus death. In the second segment, more and more commentators from the left and the right are saying that President Joe Biden should not run for reelection in 2024. Citing the enthusiasm gap, which Biden can't seem to close, leads many in his own party to hope for a big convention surprise. The last segment finds Scott and Ted discussing the deep ramifications of the tipping epidemic. Besides being super annoying, are there deeper, more nefarious reasons for this? Ted and Scott dig deep and give you even better reasons to be pissed off the next time you're asked to add 30% to the barista handing you a latte. 

When do you tip and how much?

Hour 1: The studio smells like feet and Max Scherzer returned to Citi Field last night. Scherzer was awful in big spots for the Mets. He received a video tribute and was booed by the crowd. Edwin Diaz wants to return this season. Is that a smart idea? Luis Severino looked really good last night. Jerry is kind of over Hard Knocks because One Jets Drive has been so good. Boomer figured out why the Jets don't want to show players being cut. It has to do with Joe Douglas's past. Peter Schwartz is in for Jerry today and has a gift for Boomer after Boomer updates us on the MSG vote. Corey Davis didn't retire, he just stepped away. Peter has audio from last night's episode of One Jets Drive. Is Dak Prescott annoyed that the Cowboys traded for Trey Lance? The Cardinals are openly tanking. The Yankees beat the Tigers and the Mets blew it in the 9th. Fans ran onto the field and made contact with Ronald Acuna. In the final segment of the hour, Jerry asks Boomer how to rectify a tipping snafu. What do you tip and when?

A quick roundup on some of the most interesting articles this month... - How Americans attitude toward tipping has soured in the last few years - Politics is big money and that's not changing any time soon - Why new home buyers are opting for newly constructed homes - The slow death of cable tv

Paige and Hannah expose their Uber rating and producer Chris is getting sassy. Hosted on Acast. See acast.com/privacy for more information.