Guten morgen! (That's "good morning" in German.) Bundle got some source love in US News and World Report's breakdown of America's high-debt cities. Denver, Seattle, and Dallas are the top three cities with the most indebted citizens, according to an analysis by the credit reporting agency Experian. The average debt per person is over $26,000 in those areas, so US News asked Bundle's Janet Paskin: What gives? Find out at USN&WR.

When mail went electronic, we got used to sending digital messages to each other, and we traded our fancy monogrammed stationary for Gmail, Yahoo! Mail, and Microsoft Outlook. No wonder the Post Office is in trouble. But wait! Kate Shellnutt still spends $28.40 a month to write to her penpals, and she's not alone. Greg Spielberg sends postcards all the time. "Environmental schmenvironmental - letters are wonderful," declares Justin Brown. Dear Kate, Greg and Justin: Can we be penpals?

Hot tipping tips! Presh Talwalkar shared three instances where tipping upfront will get you better service. Oh, so that's how you tip a bathroom attendant. If you've got your own smooth tipping operation, please share.

Kristen Hawley, fruit purist, sounded off on the disgustingly sweet, stealthily fatty, fruit-macerating treat that is a smoothie. "You're taking a whole piece of (delicious!) fruit and smashing it up until it's nothing more than glorified juice!" she unhappily observed. Well, yes, Kristen, that's true. But here's what you're missing: Smoothies are delicious. And if you make them yourself: super cheap!

It's the end of an era for sneaky fees, because Greg Spielberg, like Batman watching over Gotham City, is looking out for consumers at Feewatch on Bundle and Twitter. Yesterday, he gave us a mighty good roundup of the all the new fees affecting how we travel by car, bike and taxicab. Thanks for looking out for us, Greg!

And now, your Question of the Day: Lizzie Post from the Emily Post Institute says that it's rude not to leave a tip at all for a bad server. Not tipping can lead to some nasty situations. What are your most mortifying tipping stories? Comment or tweet #badtip

Related Links:

Three places to tip before getting service

My employees what to put out a tip jar. Am I wrong to say no?