How much and who on your cruise should be tipped? When and how should tips be given? The whole custom can be the source of considerable anxiety.

Generally, you should plan to tip your room Steward and dinning room Head waiter, $3.50 per person, per day and the Assistant waiter $2.00 per person per day.

On most ships, tip the maitre d' or dining room captain only if you ask for special favors or table-side service; $5 to $10 is normal. Bartenders and wine stewards are tipped 10 to 15 percent, but many cruise lines will automatically add this gratuity to your bar or beverage bill. Check the bill to see how it is handled. Also, tips for special services such as salon & spa treatments and room service are left to the discretion of the guest, depending on services rendered.

Individual ship guidelines for tipping can usually be found in the back of most Cruise Line Brochures. Guidelines will be repeated onboard, probably by your ship's cruise director. Gratuities are usually placed in envelopes from your cabin's stationery supply. Generally, passengers on cruises of 10 days or less will tip at the end of the cruise. On longer voyages, tipping weekly may be the norm.

As part of a new trend that seems likely to grow, Carnival, Holland America, Norwegian, Princess and Cunard now charge gratuities to your account automatically. Norwegian, for example, charges $10 per day, per guest, to cover service in the various dining rooms and your room steward. If you feel this amount needs to be adjusted, whether increased or decreased, arrangements can be made onboard the ship, generally at the end of your cruise.

A few lines do not encourage tipping, including Radisson Seven Seas, Seabourn, Silversea and Windstar. Crew members are reportedly higher paid and not tip dependent. Many passengers tip anyway for outstanding service or special favors.