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BARCELONA, SPAIN - FEBRUARY 26: A cook prepares sweet 'Tapas' on the new restaurant 'Tickets' created by Ferran Andria and his brother Albert Adria on February 26, 2011 in Barcelona, Spain. Ferran Adria and his brother Albert Adria will open a new 'Tapas' restaurant under the name of 'Tickets' on March 1 in downtown Barcelona. (Photo by David Ramos/Getty Images)
BARCELONA, SPAIN - FEBRUARY 26: A cook prepares sweet 'Tapas' on the new restaurant 'Tickets' created by Ferran Andria and his brother Albert Adria on February 26, 2011 in Barcelona, Spain. Ferran Adria and his brother Albert Adria will open a new 'Tapas' restaurant under the name of 'Tickets' on March 1 in downtown Barcelona. (Photo by David Ramos/Getty Images)
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What Happens To That Tip You Give A Waiter?

Both Department of Labor and the Fair Labor Standards Act regulate tipped employees and their employers.

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SAN DIEGO - AUGUST 29: Jimmie Johnson with the 'hole-in-one' prize Corvette at the first annual Jimmie Johnson Foundation Charity Golf tournament raising money for Habitat for Humanity Wednesday, August 29, 2007, at the River Walk golf course in San Diego, California (Photo by Kent Horner/Getty Images)
SAN DIEGO - AUGUST 29: Jimmie Johnson with the 'hole-in-one' prize Corvette at the first annual Jimmie Johnson Foundation Charity Golf tournament raising money for Habitat for Humanity Wednesday, August 29, 2007, at the River Walk golf course in San Diego, California (Photo by Kent Horner/Getty Images)
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Why Do You Buy The Things You Buy?

Have you ever seen someone wearing something and you wonder to yourself, “Why on earth did they buy that?”

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SEPTEMBER 16: Traders work the floor of the New York Stock Exchange on September 16, 2013 in New York City. The Dow Jones Industrial Average traded up 119 points, closing at 15,495. Five years after the beginning of the financlial crisis, Wall Street has more than recovered its losses, although unemployment nationwide remains high. (Photo by John Moore/Getty Images)
SEPTEMBER 16: Traders work the floor of the New York Stock Exchange on September 16, 2013 in New York City. The Dow Jones Industrial Average traded up 119 points, closing at 15,495. Five years after the beginning of the financlial crisis, Wall Street has more than recovered its losses, although unemployment nationwide remains high. (Photo by John Moore/Getty Images)
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Are You Financially Healthy?

Americans are not great savers; they don’t always handle credit responsibly, and often live beyond their means. The good news is all is not lost.

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CHICAGO, IL - NOVEMBER 02: A trader signals an offer in the Eurodollar pit at the CME Group prior to the Federal Reserve's announcement that interest rates would remain unchanged November 2, 2011 in Chicago, Illinois. The Federal Reserve announced that interest rates would remain unchanged. (Photo by Scott Olson/Getty Images)
CHICAGO, IL - NOVEMBER 02: A trader signals an offer in the Eurodollar pit at the CME Group prior to the Federal Reserve's announcement that interest rates would remain unchanged November 2, 2011 in Chicago, Illinois. The Federal Reserve announced that interest rates would remain unchanged. (Photo by Scott Olson/Getty Images)
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Are You Financially Healthy?

Americans are not great savers; they don’t always handle credit responsibly, and often live beyond their means.

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NEW YORK, NY - SEPTEMBER 04: Protesters demanding higher wages and unionization for fast food workers march near Times Square on September 4, 2014 in New York City. Protests are planned in more than 100 cities throughout the U.S. today, as workers demand higher wages. (Photo by Andrew Burton/Getty Images)
NEW YORK, NY - SEPTEMBER 04: Protesters demanding higher wages and unionization for fast food workers march near Times Square on September 4, 2014 in New York City. Protests are planned in more than 100 cities throughout the U.S. today, as workers demand higher wages. (Photo by Andrew Burton/Getty Images)
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Are You Really Sure You Want A $15.00 Minimum Wage?

So if there is a $15 minimum wage, how much more are you willing to pay to enjoy your favorite McDonald’s, Wendy’s, Taco Bell, or Subway delicacies?

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WOLFSBURG, GERMANY - MARCH 07: Employees walk below automated conveyors moving partially-assembled Volkswagen Touran and Tiguan cars at the Volkswagen factory on March 7, 2012 in Wolfsburg, Germany. In 2011 Volkswagen achieved record results, with profits of EUR 15.8 million and production of over 8 million cars worldwide. (Photo by Sean Gallup/Getty Images)
WOLFSBURG, GERMANY - MARCH 07: Employees walk below automated conveyors moving partially-assembled Volkswagen Touran and Tiguan cars at the Volkswagen factory on March 7, 2012 in Wolfsburg, Germany. In 2011 Volkswagen achieved record results, with profits of EUR 15.8 million and production of over 8 million cars worldwide. (Photo by Sean Gallup/Getty Images)
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If Automation Reduces Payroll, Why Aren’t Things Cheaper?

A single farmer can till and plant several times the acreage of a farmer 20 ago. But consider the cost of the equipment making that possible.

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WASHINGTON - NOVEMBER 19: (L-R) Acting U.S. Comptroller General Gene Dodaro of the Government Accountability Office; Earl Devaney, chairman of the Recovery Accountability and Transparency Board; Deputy Education Secretary Anthony Wilder Miller and Deputy Transportation Secretary John Porcari are sworn in before the House Oversight and Government Reform Committee November 19, 2009 in Washington, DC. The committee held a hearing on 'Tracking the Money: How Recovery Act Recipients Account for their Use of Stimulus Dollars. (Photo by Win McNamee/Getty Images)
WASHINGTON - NOVEMBER 19: (L-R) Acting U.S. Comptroller General Gene Dodaro of the Government Accountability Office; Earl Devaney, chairman of the Recovery Accountability and Transparency Board; Deputy Education Secretary Anthony Wilder Miller and Deputy Transportation Secretary John Porcari are sworn in before the House Oversight and Government Reform Committee November 19, 2009 in Washington, DC. The committee held a hearing on 'Tracking the Money: How Recovery Act Recipients Account for their Use of Stimulus Dollars. (Photo by Win McNamee/Getty Images)
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Transparency? Are You Kidding Me?

What exactly is transparency? In government and business terms it means you can only see through the parts we want you to see through.

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LOS ANGELES, CA - NOVEMBER 5: Former U.S. Secretary of Labor Robert Reich awaits his introduction to speak to Occupy Los Angeles protesters after the Move Your Money March through the downtown financial district during what is being called Bank Transfer Day, on November 5, 2011 in Los Angeles, California. Occupy movement members are calling for people to move their money from banks to credit unions today in support of the 99% movement. (Photo by David McNew/Getty Images)
LOS ANGELES, CA - NOVEMBER 5: Former U.S. Secretary of Labor Robert Reich awaits his introduction to speak to Occupy Los Angeles protesters after the Move Your Money March through the downtown financial district during what is being called Bank Transfer Day, on November 5, 2011 in Los Angeles, California. Occupy movement members are calling for people to move their money from banks to credit unions today in support of the 99% movement. (Photo by David McNew/Getty Images)
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Do You See A Pattern Here?

Robert Reich is fighting a so-called war he perceives that conservatives (I guess that would be Republicans) have on the middle class and poor.

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ALBANY, CA - MAY 15: Customers shop at a Target store May 15, 2006 in Albany, California. Target announced a 12 percent rise in profit in its quarterly earnings report, falling short of market expectations. Target stock closed at $50.02, down $2.19. (Photo by Justin Sullivan/Getty Images)
ALBANY, CA - MAY 15: Customers shop at a Target store May 15, 2006 in Albany, California. Target announced a 12 percent rise in profit in its quarterly earnings report, falling short of market expectations. Target stock closed at $50.02, down $2.19. (Photo by Justin Sullivan/Getty Images)
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Stop Living Paycheck to Paycheck

Money is nothing more than a tool. It can be used against you, or it can be used to better your life.

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mike-mccormick
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Mike McCormick With Cascade Financial And His Weekly Money Talk [AUDIO]

Mike stops by again this week to deliver financial advice.

Did you know it only takes 20 stocks to create a diversified portfolio?  Then how come many of the most popular mutual funds hold more than 150? These days as high fees get more in focus, it pays to make sure that you are invested in something that can efficiently deliver the results you desire

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