When you are out with a group and splitting the check, add your items up, then add 25% on top to cover the cost of tax and tip.

So if you ordered the $14 entree and $6 drink, take your $20 and divide by 4, add another $5, and $25 should cover the food, tax and gratuity.

This would be especially helpful at FT Do's, where it seems so often that whoever kindly offers to tally the check ends up with a huge shortage at the end of the night.

The 25% will never leave you short and might actually account for a few pennies overage on the total tab.