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The global development community has largely welcomed the move, praising Gates for both his financial

Financial Shifts  – European banks and investors are prioritizing ESG (Environmental, Social, and Governance From supply chains to finance, the ripple effects are reshaping industries worldwide.

Bookkeeping & Finance – Invoice processing, expense tracking, and financial reporting.

The Roots: A Non-Tipping Culture Traditionally, Vietnamese culture did not include tipping . Service was seen as part of one’s duty or job, not something that required extra payment. Hospitality — especially in rural areas — was rooted in respect, kindness, and community spirit. A guest was often treated like family, and offering extra money could even be seen as awkward or offensive. The phrase “Không cần đâu”  (No need) reflected this modest attitude. However, over the past two decades, Vietnam’s economy and tourism industry have transformed dramatically — and so has its service mindset. Tourism’s Influence: The Western Effect Vietnam welcomed over 12 million international visitors in 2023, many from tipping cultures such as the U.S., Europe, and Australia. Tourists often leave small gratuities — not out of obligation, but as a gesture of appreciation. For local workers, especially in tourist-heavy areas like Hanoi, Ho Chi Minh City, and Da Nang, this behavior set new expectations . What began as a kind token soon became an informal norm. Drivers, tour guides, massage therapists, and hotel staff gradually began expecting small tips because of their exposure to global practices — not because it’s inherently Vietnamese. Economic Realities Behind the Ask Beyond cultural influence, economics plays a major role .  Service industry wages in Vietnam are often modest, with many workers relying on tips as an unofficial income supplement. For example: A restaurant worker may earn around 5–7 million VND/month  (USD 200–280). A tour guide might rely on tips to double their income. In this context, asking for a tip isn’t rudeness — it’s practicality. It reflects the gap between rising living costs and stagnant wages, especially in sectors tied to tourism. Changing Perceptions: From Awkward to Appreciated Among younger generations, tipping is no longer taboo. Many see it as a fair exchange for extra effort, friendliness, or attention to detail.  Restaurants in urban areas even add “service charges” to bills — something rare 10 years ago. Still, outside major cities, tipping remains uncommon. A smile, polite words, or simple “thank you” ( cảm ơn bạn ) often means more than cash. When & How to Tip in Vietnam If you’re visiting or living in Vietnam, here’s what’s respectful and appreciated: ✅ Restaurants:  Small cafes or local spots — no tip expected. Upscale restaurants — 5–10% if service is good.  ✅ Hotels:  Bellboys (10,000–20,000 VND), housekeeping (similar amount for extended stays).  ✅ Taxi/Grab drivers:  Rounding up the fare is fine.  ✅ Massage/Beauty services:  10–15% for quality service.  ✅ Street vendors:  Tipping is unnecessary — a friendly chat means more. "The key? Offer tips voluntarily, not out of pressure". A Blend of Culture and Modern Economy The growing tipping culture in Vietnam  isn’t just about money — it’s about globalization, exposure, and adaptation. As Vietnam continues to blend tradition with modernity, small tips serve as a bridge between the old values of humility and the new reality of economic survival. Vietnam’s tipping behavior reflects a nation in transition — balancing cultural pride with global habits.  So, when someone asks for a little extra after service, it’s not always greed; sometimes, it’s gratitude for a rapidly changing world where every small gesture of appreciation still carries great meaning. #VietnamDestination _ Daily Growth Insights

If you’re looking for guidance on startup planning and financial management for your coffee business

September 8–14 , the stars are stirring powerful energies that touch every corner of life— love, health, finances days Insights for love & relationships  (for singles and couples) Key advice on health and wellbeing Financial Couple;  Communication flows better—perfect time to solve small misunderstandings. 💰 Finance:  A minor Plan a cozy date. 💰 Finance:  Collaboration brings unexpected financial opportunities. 💚 Health:  Watch Couple;  A deep, heart-to-heart conversation renews intimacy. 💰 Finance:  Investments look positive,

loan model across diverse economies will require strong government cooperation, policy reform, and financial

to more meaningful connections, couples may strengthen their bonds through honesty, while career and financial Couple;  Establish practical routines and mutual support that deepen your bond. 💰 Finance:  You’re in “boss mode”—a time to manage finances with precision and polished strategy. 💚 Health:  Recalibrate Couple;  Use creativity and self-expression to renew spark and connection. 💰 Finance:  Romance and finances your value translates into recognition—financial or otherwise. 💚 Health:  Let radiant self-expression

In the fast-moving world of technology, startups that can demonstrate scalability and global relevance are catching the attention of major investors. The latest funding news proves that the appetite for innovation is stronger than ever, as companies like GigaML and Atomicwork secure substantial early-stage investments from top-tier venture capital firms. Startups such as GigaML  and Atomicwork  have recently made headlines by attracting significant early-stage funding from global investment leaders, including Redpoint Ventures  and Khosla Ventures . This influx of capital not only validates their business models but also underscores the growing investor confidence in the scalability and international appeal of AI-driven and automation-focused companies. For GigaML , the investment is poised to accelerate product development and expand its reach into untapped markets. Specializing in machine learning infrastructure, GigaML has positioned itself as a key player in enabling enterprises to build, deploy, and scale advanced AI systems efficiently. Atomicwork , on the other hand, focuses on transforming workplace operations through automation and intelligent workflows. The company's innovative approach to streamlining processes for businesses across industries has captured the interest of global investors looking for scalable solutions with long-term impact. Industry analysts suggest that this funding wave reflects a broader shift toward supporting companies that combine technical expertise with clear market applications. With such backing, both GigaML and Atomicwork are poised to not only grow rapidly but also influence the next generation of enterprise solutions worldwide. _ Daily Growth Insights

Amazon's financial windfall from this equity conversion is just the beginning.

If Apple succeeds in its lawsuit, Oppo could face financial penalties, product development delays, or

Whether you're seeking clarity in love, trying to get your finances aligned, or simply need a nudge from A financial gift or bonus might come your way. 💚 Health:  Keep stress in check with mindfulness practices Couple;  Make time for intimacy and shared goals. 💰 Finance:  A great week for long-term financial planning Couple;  A playful approach keeps things exciting. 💰 Finance:  Watch impulsive spending. Couple;  Cozy, meaningful moments bring you closer. 💰 Finance:  Good week for saving.