Carrick on money: The tipping point -a guide to gratuities The tipping point: A guide to gratuities An etiquette experts tells you how much to tip in a restaurant, at the hair salon and in a taxi. Ask a mortgage broker A broker lists the Top10 most common questions she's asked by clients. Your TV is costing you money Up to 10 per cent of the electricity used in your home could be "phantom power," which is to say power drawn by electronic devices that are switched off. Prime example: Your television. How to save money on diapers No, not using cloth diapers instead of disposable ones. We're talking much more radical stuff here.