Updated: 15:16 EDT

Three quarters of Americans report leaving gratuity which is at least 10% higher when

Americans are increasingly being presented with requests for a tip - with prompts spilling out from bars and restaurants and into stores, take-out chains and even self-service machines. So-called 'tipflation' has been in part sparked by the mass-adoption of iPad checkout screens which offer customers the chance to add gratuity. Such systems boomed in popularity during the pandemic when retailers stopped accepting cash due to fears notes could spread Covid-19.

Even millionaires are afraid they will outlive their retirement savings - as experts weigh

A third of millionaires fear they could outlive their retirement savings, according to a new survey. Millionaires on average thought they would need $3 million to retire comfortably, according to the latest findings from financial services company Northwestern Mutual. And of those millionaires - people with more than $1 million in investable assets - 33 percent were afraid of running out of money in later life and 47 percent said they needed to improve their financial planning.

Majority of Americans are concerned about bank branch closures - which are hitting poorer

An exclusive survey has found that 51 percent of Americans are concerned about the impact of dwindling outlets, which disproportionately affect poorer households. According to the analysis by research agency Opinium, 10 percent of Americans with a household income less than $50,000 said they do not have a local bank branch. Growing numbers of people are being left without access to basic financial services, as big-name banks have axed more than 1,000 branches already this year. Data from S&P Global Market Intelligence shows a total of 1,144 national and regional banks were closed between January 1 and July 31 across 49 states - with firms pulling out of some areas at a faster rate than others.

Americans are taking out home insurance polices with increasingly large deductibles in a bid to mitigate rocketing premiums.

More than 95 percent of NFTs created are now worthless, according to a new study -  and many of the most hyped are down more than 95 percent on last year.


Your Money

Is $1 million REALLY enough to retire on? Number of 401(K) millionaires is rising - but

A $1 million pot may have once been considered the benchmark of a comfortable retirement. But amid rampant inflation and rising interest rates, is it really enough to see a saver through their twilight years? The number of Americans with the seven-figure sum in their 401(K)s shot up by 25 percent this year, according to analysis by Fidelity. Assuming somebody retires at 65 - and has a life expectancy of 90 - this would give them just $40,000 a year to live on. Yet figures from the Bureau of Labor Statistics suggest the average US citizen aged 65 and older actually spends $52,141 per year. Certified financial planner Marissa Reale told '$40,000 a year is not going to be enough for most people to live on. 'I always advise my clients to keep some of the money invested in equities too. So it's not like you will have the full figure in cash. 'If you really want the money to last, most people will need more than $1million.'

Florida is considered by many to be the quintessential retirement state but experts suggest it may not be the best place to pitch up for your later years.

Four in ten investors say inflation is killing their dreams of retirement, a landmark new survey lays bare.

Certified financial planner Rachael Burns says that anyone earning over a certain income threshold should be contributing the full amount to guarantee a good quality of life in retirement.

'Our Tesla insurance is DOUBLE what we pay for our gas car!' Married couple is shocked to

Brent Shreve and his wife bought electric and gas-powered cars for around the same price but found that the EV cost twice as much to insure. analyzed data from insurance comparison site The Zebra and found that in various scenarios the approximate cost of insuring an electric car was more than the gas alternative.

As of September 5, the national average for a gallon of gasoline stands at $3.811, data from the AAA shows - topping fuel costs from this time last year by a full three cents.

America's used car market is finally cooling after sales reached unprecedented highs over the last few years.

Motorists are facing a car insurance lottery with premiums ranging by as much as $1,500 a year, fresh analysis reveals.

Here's how the United Auto Workers strike will affect YOU if you're trying to buy a car -

The United Auto Workers union launched a strike on Friday, shutting down factories affecting Detroit's three largest automakers and rocking the American car market. The stoppage has seen almost 13,000 workers, around 10 percent of the union's membership, walk off - causing GM, Ford and Stellantis production lines to grind to a halt.

Why are Americans snapping up Scotland's most expensive homes? Number of US buyers has

According to British real estate firm Savills, US buyers now represent 4 percent of total transactions in the country - four times more than the 1 percent quota they held in 2019. Agents in the UK are reporting an uptick in interest from buyers across the pond - particularly for luxury properties at the top of the market. According to experts, the demand in buyers picked up after the pound plunged last year to its weakest level on record, putting it on near parity with the US dollar.

Homeowners in a neighborhood of Rio Grande City in Texas are forecast to see their properties appreciate by 12.3 percent over the next year.

Rumors of a house price crash have been rife for months yet property prices are remaining buoyant against the odds.

As mortgage rates and house prices skyrocket, one couple has found a novel way to own a home debt-free.

Should unmarried couples ever buy a house together? Experts warn it could be a costly

Figures from the National Association of Realtors (NAR) show that 18 percent of first-time buyers last year were unmarried couples, up from 4 percent in 1985. Lexi Taub and her partner Erik (pictured left) took the decision to buy a home in Upstate New York before getting married. She told ''It made sense for us to buy first, we were paying so much money in rent otherwise. I have heard of a bunch of people doing the same thing. I think people feel less tied to the traditional ideas of marriage.' The average cost of a wedding has sky-rocketed to $30,000, according to The Knot , while nationwide housing affordability is worse than it was in 2006.

New York City's red-hot rental market appears to have reached breaking point as rents in Manhattan plateaued in August after climbing to record highs earlier in the year.

America's aging population is keeping house prices high, a Wall Street economist has warned in a research note titled 'Blame the Boomers.'

Since 2018, the average home has shrunk to 2,420 square feet, according to Livabl by Zonda, a listing platform for new construction homes.

Wall Street has become too complacent over the risk of a recession, a veteran technical analyst has warned as he predicted the S&P 500 could plunge to lows not seen since the pandemic. Milton Berg, who has worked in the financial services since 1978, said the collapse of Silicon Valley Bank (SVB) earlier this year was 'just the tip of the iceberg' and speculated more firms could fail. His comments come after Goldman Sachs economists slashed the chances of America entering a recession in the next 12 months from 20 to 15 percent. The bank said it had 'confidence' the Federal Reserve 's policy to tame inflation by hiking interest rates from near-zero to a 22-year high.

Average American household now has $10,170 credit card debt - here are the states where

American households now have an average of $10,170 credit card debt, as record numbers say they are worried about being cut off from access to loans. Data from the New York Federal Reserve shows nationwide credit card debt swelled by $43 billion in the second quarter of the year - the second largest increase on record. Meanwhile a separate survey by the Fed revealed 60 percent of respondents found it more difficult to access credit - the highest level since the data series began in June 2013. But some states are faring much worse than others as households in Hawaii have the highest debt currently, according to fresh analysis by WalletHub . Families in the Aloha state have $10,637 in credit card loans on average.

Investment in money market mutual funds is soaring to new highs as the value of many bonds and stocks has been crushed by the Fed's relentless interest rate hikes.

The bank said it was aware that some customers began having problems on Thursday night, with users still complaining of outages this morning.

The Treasury Department noted that debt reached $33.04 trillion on Monday, meaning it has spiked by $1.58 trillion since the debt ceiling was lifted in early June.

Wells Fargo has confirmed it will axe three more branches by November amidst a widespread 'banking bloodbath.'

Macy's executives have warned of a spike in customers failing to make credit card payments thanks to unprecedented pressures on household finances.

A 'debanking' row has broken out after an ultra-conservative Christian charity which helps Ugandan orphans had its account shut down by Bank of America.

How much money would it take to make YOU happy? The price of happiness in each US city

Santa Barbara, California , is the city with the highest cost of happiness in the US, with residents there needing a salary of $162,721 to feel content, a survey has revealed. Happiness is most affordable in Knoxville, Tennessee , where people claim to need an income of just $88,032 - some 85 percent lower. Research from foreign exchange provider S Money claims to have found the optimum sum of money that citizens in America - and in 173 countries worldwide - need each year to be happy. It found that Iran is the most expensive country to be happy - with residents requiring a salary of $239,700 - while those living in Sierra Leone only need an income of $8,658 to feel satisfied.

Money guru Patrick Di Cesare has revealed the four things Americans should not say in a salary negotiation 'if you want to get paid what you are worth.'

Some 15 percent of engaged respondents had signed one, up from 3 percent in 2010. Financial planner Rachael Burns, left, says every couple should consider one.

If you've ever found yourself obsessed with searching for the cheapest flight deal before splurging all your money on the booze on-board, you might be guilty of 'split brain spending.'

Investing money doesn't have to be intimidating or confusing, according to Liz Claman, who has made it her mission 'to democratize investment' through her popular TikTok. 

The US airlines with the highest junk fees revealed: How Spirit Airlines adds 736 PERCENT

Spirit Airlines has the highest hidden fees of any US airline - making the flight 736 percent more expensive, a new study has revealed. The budget airline adds an average of $161.12 on top of an airfare of just $21.89, according to analysis by discount code website NetVoucherCodes, the highest of any airline in the world. Volaris, a Mexican low-cost airline, has the second highest hidden fees, according to the study. The hidden costs are 626 percent of the original airfare, asking customers to pay $82.20 on top of a $13.13 flight. It comes after the Government pledged to crack down on hidden 'junk' fees in February, which the White House estimates cost Americans around $65 billion every year. Customers are routinely promised a headline sum, only to find the true cost is much more expensive once they taken into account the price of baggage, seat selection and insurance - which often costs more than the flight itself.

Premium American Express cardholders will only be able to visit the Delta lounge six times a year to enjoy access to free meals and drinks and a space to relax before their flight.

With her sights set on reliable infrastructure, crime, homelessness and creating more public parks, Mayor Mattie Parker is focusing on expansion without losing the Fort Worth's character.

Unfortunately, airline delays and cancelations are not unusual across the US, so it is crucial to know where you stand if you do find yourself stranded in the terminal or left waiting on the tarmac for hours.

The true cost of influencer culture: Americans spent $71 BILLION on social media impulse

Americans spent $71 billion in the last year on impulse buys inspired by what they saw on social media, a new survey reveals. Some 39 percent of Americans said they made such impulse purchases in the last year. Of those, 57 percent of those people say they went on to regret least one of their purchases, according to a new Bankrate survey. The urge to make rash online purchases was much more prevalent among millennials and Gen Zers - around 60 percent of both groups said they make purchases based on what they see on social media.

A California restaurant has sparked controversy after it was revealed that all of their customers receive an 18% service charge - even for parties of one.

A federal watchdog has warned that tuition fee payment plans offered by many colleges prey on vulnerable students by lumping them with hidden fees.

Health insurance companies that own pharmacies are charging themselves more than 20 times the market value for certain drugs.

Michael Holloway, a 62-year-old real estate agent from New Jersey, was conned out of $500,000 by fraudsters, who lured him in for months before persuading him to drain his entire retirement pot.

Analysis of hoax calls by BeenVerified has uncovered the top phone scam area code number for each state across the US.