And cutting coupons at supermarkets. And a guide to holiday wine no matter how much or how little you want to spend. On the money starts right now. Announcer this is on the money your life, your future. The dining tradition could be changing. More and more restaurants are experimenting with eliminating tips entirely. Its is a steady diet of no tipping a good deal or will it cost you more . Thats our cover story this week. Tipping may soon be coming off menu. Joes crab shack announced its testing a notipping policy but they plan to raise prices 12 to 15 to pay for an increase in wages. Other restaurants are experimenting with tipfree at lunch. The move is similar to the model fond in europe where the employees are paid a regular wage and tipping is rare. U. S. Dining tradition. Workers who receive tips are only required by the federal government to be paid 2. 13 an hour. Thats an amount that hasnt been increased in 24 years. But some states have a higher tips minimum wage and seven even require tipped workers to be paid the full minimum wage. The average wage for wait staff is just over 18,000. Generally theres a big difference between the wait staff and those working in the baonck of the house earn because tips dont make their way to the back of the house to cooks. What do the people who will actually pay for it think . I kind of like the idea of tipping frankly. It seems to be a little more personal relationship with a service. You keep thinking why arent people just paying these people . They should be on a normal wage, not just waiting for me to do a good turn. The question becomes will more restaurants make the move to no tipping . Kraft in new york city. Tom colicio is the founder of the restaurant. As a former waitress, ive thought through all of this, hadnt liked it initially. Why are restaurants doing this . Well, for me im doing it because i think that i should be able to control or at least compensate my staff. We know that studies at Cornell University say the amount tipped has very little to do with service. It has more to do with your accent, your race and your gender. As a server . As a server. I would prefer to compensate my staff. Do you think your staff is tipped fairly . Sometimes its different when people come over from europe. Usually the money youre leaving as a gratuity is the majority of their pay. When you tell people theres no tipping for lunch service, do you raise the prices . We raise the prices about 20 . At lunch it was a new service. We werent open for lunch. It wasnt as though i had a customer coming in and a week later they were seeing a 20 increase. Thats part of the reason i did it for lunch. But, no, its just increasing the menu price. We actually remove the line on the credit card voucher for a gratuity. Whats happened when you tried this out . Do people understand . Do the diners in the restaurant like it . Its fine. We have little pushback. We have hospital free, gratuity not necessary. Everybody understands it. But there is that person who feels how can they punish the server . My feeling is punish the restaurant. Receiving bad service. If you leave a bad tip because of bad service, as a restauranture, i dont know about that. If its a tip pool, its going to have negligible effect on that waiter. If you want to punish the waiter, tell a manager. Are you thinking about doing this for dinner as well . Thats a bigger ship if you have to raise the prices. We are. And so to the consumer, if we raise price business 20 percent and the average person tips 20 . The only real negative is youre also paying sales tack x on the increase . You have gotten pushback from your servers who said i worked making great money. I know exactly what they makes in tips is recorded. The days of putting the cash in your pocket is gone. Our servers get paid in pay check. So we report everything. Is that the difference maybe between a highend restaurant and maybe a fast casual . All restaurants are required to disclose how much money people are making. But if somebodys paying in cash, its a lot harder to track that. It is harder to track but we keep track of the cash, too. How americans are feeling these days on the economy, does that show up on whether theyre willing to spend more on wine and dessert . Its showing up. A friend of mine collects data on customer spending habits. Theres no additional money going into dining but there are a lot of restaurants open and theyre feeling pinch. Thank you. I think you may have changed my mind on it. And then you. Thank you, tom colicio. And now, americas consumers may be turning a little bit cautious. Retail sales in october rose 1 10 of a percent, less than expected. Auto sales were not strong. Retail sales are closely watched because consumers make up more than twothirds of the u. S. Economy. It was an ugly week for stocks. The dow, s p and nasdaq had their worst day since september on thursday. Thats due in part to jitters by the consumer. Walmart is rethinking its Holiday Shopping strategy, ditching its door buster promotion where it put different items on sale by the hour. Now all deals will be both online and in stores with no deadlines. Walmart said its trying to make thing easier and less confusing for its customers. And one of facebooks newest members is a familiar face. President obama has a personal page. Up next, from the farm to kitchen classroom. Well look at how some City School Kids are making the grade by getting a green thumb. And later, dont get lost in the supermarket. We have tips on how to save. What works best . And a look at the stock market market and how it ended the week why let someone else have all the fun . The sometimes haphazard, never boring fun. The why cant it smell like this all the time fun. The learning the virtue of sharing fun. Why let someone else have all the fun . Thats no fun. Unleash the power of dough. Give it a pop. The garden is a half acre. We have eight chickens, perennial vegetable, its completely organic. The kids are involved in every part of the process. A lot of people in urban settings are disconnected from their food. This teaches them the importance of eating fresh fruits and vegetables. Theyre better for you. Theyre delicious number one. Try to eat more organic. Were teaching them skills, teaching them knowledge and it introduces them to the cooking concept and makes them feel individual and successful every class. My favorite part is growing the vegetable. We pick them and incorporate them in kitchen dishes. One time i was doing a saute. It was fun. I got to eat, even though it wasnt lunch . I feel proud because i get to eat with my other classmates. We try the things that the students are learning with us. I usually do bagging and cashiering. I like to grow food instead of doing junk food. Sounds of edible schoolyard, a nationwide Classroom Program trying to teach kids in school in urban areas to grow Healthy Habits that start on the farm and go to the table. According to the centers for disease control, nearly 13 of kids are obese. Kate, its great to have you here. Thank you so much. This program started out 20 years ago in berkeley. Makes sense in berkeley. Now you have it all over the country. Explain how you do it in an urban area in new york city. New york is the Biggest School did district in the country, about 1. 1 million kid. We took the program from berkeley, translated that into an urban setting, really thinking about the kid who doesnt have a very strong connection with food and thinking about what they need, how can we connect them with food from the garden to the plate. And so our program is taking looking at schools, which building gardens, kitsching classrooms, working with the School Communities to teach kid about having a healthier relationship with food. How many kid and schools involved . Were in six kids in new york city at the moment reaching about 3,000 kids and we do a Teacher Training Program as well where we work with about 200 teachers a year, reaching about 25,000 kids through that. Kid can be pretty finicky eaters. Does this help in getting them to try food they wouldnt try otherwise . Absolutely. If kid grow food, theyll eat it. Imagine a tomato on the vine you pluck that you grew yourself. When they have agency and pride in what theyre doing, they will eat it. Do you think it lasts outside of the classroom, too . How successful is it in changing their overalld, i habits . Thats our ultimate school. We are seeing change. Families tell us their kid are asking to cook at home, that theyre going shopping with their kid, their kid are making salads. We really do see it going outside of the classroom. We know obesity in children has been a focus for a long time. If you look at some of the most recent numbers according to the cdc, it looks like we might be making progress. I was looking at kids 2 to 5. 13. 9 in 2009 were obese, by 2011, 2012 it was down to 8 . Michelle ob a has worked hard. The Elementary School level are those kids are going to be the agents of change. How much of it goes hand in hand with getting kid active and moving around . A lot of obesity goes back to food. Movement is important, too, but teaching them about food and changing their attitude and getting them excited to eat healthy food and know it delicious. It not that you have to do this because it will be better for you. Its like t s is great. Why wouldnt you want this . I still need a little help with kale myself. Come to the schooly d and help you out a little bit. Coming up next, do you really need all those paper towels . Buying in bulk might not be the best way to save at the market. And tiz the season to wine and why let someone else have all the fun . The sometimes haphazard, never boring fun. The why cant it smell like this all the time fun. The learning the virtue of sharing fun. Yowhy let someone else ha ive all the fun . Thats no fun. Unleash the power of dou h. Hether its building the next satellite, at boeing one thing never cha pres. Our passion to make it real. Every insurance policy has a numberh busot not every Insurance Company understands themmife behind it. For those who have served and the families who supported them, we offer our best serve in return. Usaa, we know what it means to rve. Get an insurance quote a hsee whway 92 of our numbers phan it stay for life. Groceries can take a big bite of your pay check. Food is the Third Largest expense. How can you manage these costs . Joining us is Haron Epperson on how to save on your grocery bill because of course, is your money, your future. Itaron,la whereldo we start when it comes to groceries . Lets start with what we end. For a family of for, its 600 to 1,200 a week a week . A month rather. And thats according to the usda. So thats the average. So you know theres a lot of people that spend even more than that. 25 of that stuff will go bad because you dont necessarily use it all. You want to figure out how you can save as much as you can at the outset when shopping and building up the coupon savings can be one way. The best thing to do is hite them on your smartphone as youre going around and doing your shopping. There are interesting apps you can use that can help you manage your shopping and also save money. Any list is one that helps you figure out what kind f list you want o have, what items you need to have and share that with yo liur friend and family, have them add stuff. Grocery iq has some coupons on it so you can sdop and figure out what can you get a discount on. And one i recently found, copaton allows you to buy an item, reminds you youre in the store where you buy that item. Part of itar admit is just staying organized, which is not easy to do in this day and age. The thing thats important for people to understand, when you look at how to save money, its not always goingehere the sale items tae. Yor u would want to use coupons and sale items. Price for every item. Yo geu know what youre paying for the amount youre buying. Buying in bulk is not the st bet . No. Te, n cans might be bigger than that big vat but when you look at the unit price, its credit back. 6 cash back on groceries on some cards, if you really want that cash back and you do a lot of shopping, thats something to consider. Can you get cash back for your gasoline and youre filling up but the thing i really like are those fuel rewards car where you get cashback sorry, you build up points based on how much gas you use. You can uin that at the Grocery Store or vice versa. Those two rewards cards can be very helpful. Sure. Up next, a look at the news in the week ahead. And bottoms up. We l show you some of the for more, you can go to our web site and follow us on twitter on the money. Monday marks the 101st anniversary of the federal reserve. Index or october is out, an important measure of inflation. On wednesday well get the minutes from last months federal open Market Committee meeting. And happy birthday mickey. Disney disneys mickey mouse will be turning 87 years old. You look good, my friend. The u. S. Has the largest wine market in the world with sales hitting a record 36. 6 billion in 2014. Joining us is our friend food and wine magazine executive ray isle. Its agreed to have you. You always bring some good things. We know the holidays here. Its tricky. Youre dealing with what your budget is and youre dealing with who youre serving it to. My thanksgiving im serving to my fatherinlaw, who only wants chardonnay on the table and maybe some dewers or Something Like that. And to the food. Thanksgiving is turkey plus about 70,000 side dishes. What goes with cranberry and stuffing and marked potatoes . My answer this year is im fighting the fight and saying you dont have to stop drinking rose at the end of summer. Dry rose is a fantastic wine its 15 a bottle, not bad at all. It kind of gets some of the white wine characteristics, goes great with turkey, great with richer things like stuffing. Lets see. Oh, thats good. That fruit is almost like cranberry sauce. Its easy. Its loveable. And another option, this is going up a little in price, if youre going to do a white wine, this is a riesling but its a dry riesling. I think of it as really the easy rules with riesling, you stick to as, australia, and youll get a sweet wine. Oh, thats not what i expected. Its dry and crisp and citrus citrusy and wakes you up. This is 25 a bottle. And then pino noir. If youre going to pick one red thats going to go with everything, pino noir is the answer. Its thanksgiving. Why not have an american wine. Sonoma makes fantastic noirs. This is from benovia. You can drink it with a heavy meal at thanksgiving and not feel like youre weighed down as well. Its that cherry cola kind of taste. How much is that . 38. If im feeling like i want to splurge if you want to splurge and youre a bond fan its in this package which is meant to look like the handle of the his favorite gun. But its also insulated so it will keep the champagne cold for two hours, which is neat. Nice for traveling. This is a vintage champagne. How much . 229 a bottle. This is in the gift for somebody you really love. Or for yourself. Or tell someone else to buy it for you. Bollingers is good, as well. I like the goofy bond packaging. Im convinced there will be a wine out in time for star wars. Im all for that. Ray, always great having you here. Thank you for the tips before the holidays. Such a pleasure. Im becky quick. Thank you so much for joining us. Next week with prescription glasses for under 100, they disrupted the coming up next in paris, an arrest in belgium. What we now know about the attackers. Plus mourning continues across the world for those lost in the attacks. We have live team coverage. And well check the sunday forecast. Im gus rosendale. And im pat battle. Today in new york sunday