You shouldn't be made to feel bad for asking, simply because this can be a confusing issue, and as you see some of the advice you receive may tend to further muddle the issue. My rule of thumb: if a food item is listed on the menu for a certain price (let's say $20), and I'm charged that amount, then I tip as I would at home. If I'm charged $23 for the same item because of a "service" charge, then that is my tip. By definition, a service charge is for service. If that amount is added, and the bill states that the tip is not included, then that is a red flag not to return to that establishment. I follow this same line of thinking on either side of the island.

Bottom line: Do what [color:"red"]you [color:"black"]feel is right, and enjoy [color:"red"]your [color:"black"]vacation.[/color][/color][/color][/color]