• zennioptical.com - $8 sunglasses
• myfico.com - credit scoring model
• American Council on Exercise - accredited personal training
• National Council on Strength and Fitness - accredited personal training
• National Strength and Conditioning Association - accredited personal training
• International Sports Sciences Association - accredited personal trainers
• visionsurgeryrehab.org - info on laser eye surgery

Clark gets a lot of calls about credit scores. A few different companies offer credit scores so figuring out which one really matters can be confusing. Just remember that you want your score from the company Fair Isaac. The company’s site is myfico.com and the score is known as your “FICO” score. Scores from Transunion and Experian are basically worthless, so be sure to ask from which company it's coming. You also need to know that the factors making up the score are about to change. The score will still go up to 850, but the rest of it is a mystery because Fair Isaac has refused to disclose most of the information. One item they did offer involves people with “thin histories,” meaning they haven’t had much credit. In the past, these people have had a default score of zero, which is not fair. So, that will change. Once we have more information, we will post it on Clark’s site. In the meantime, the two most important things are paying your bills on time and keeping cards with low credit limits as low as possible. You don’t want to use more than 30 percent of your available credit.

Clark hears a lot of small talk about gas prices these days. Some say they are devastated by the prices. But are gas prices really affecting you? For people who make an average family income of $50,000, gas makes up 4 cents of every dollar they make. That’s not a huge deal. For people with smaller incomes, it’s a dime of every dollar. That’s a much bigger chunk and it’s taking a toll. The other group getting crushed by gas prices is truck drivers and those who drive for a living. They may be in a service industry that requires them to drive to visit clients. Those who drive work trucks, which get 9 to 12 miles per gallon, are also feeling the impact. So, it’s a case-by-case basis. You may want to get rid of a used car that chugs gasoline and instead buy one that sips it.