Razor Pro - Extends the life of razor blades and saves you money.

Have you ever wondered about the best credit card in the country? The October issue of Consumer Reports turned its attention to a survey of this all-important industry. The single best card to have in your wallet is USAA Federal Savings Bank of San Antonio's MasterCard. This card is exclusively for members of the military, their families and in some cases certain retirees. This little piece of plastic was singled out because of its reasonable interest rates and cash back earnings. USAA also delivers the best focus on customers and problem resolution, according to the report. But what about a good card for those of us who aren't in the military? A card issued by Navy Federal Credit Union came in second, while cards issues by credit unions in general took third place. Credit unions offer their cardholders good problem resolution and better interest rates than a typical bank-issued card. Overall, the only big issuers who got decent scores were American Express and Discover. The other major companies, meanwhile, were in the toilet. Providian was named the single worst card issuer. Following right behind at the bottom were Capital One, Bank of America's MBNA division and JP Morgan Chase.

Earlier this week, Clark told you about a security breach at Monster.com where hackers stole the names, addresses, phone numbers and e-mail addresses of 1.3 million people. There have been so many breaches over the years that we're almost numb to news about them. But now there's reason to believe that the Monster breach could affect more than just a million people. Nobody knows the exact number -- it's just larger than previously thought. So if you've ever posted your information on Monster.com, you need to be aware that criminals are calling people up and pretending to be potential employers or banks to get additional personal information. Once they get your additional info, they have all they need to take your identity or empty your bank account. You should only divulge sensitive information in person at a potential place of employment or a bank. The web is too anonymous and dangerous of a place to share your info via e-mail.

In February 2006, a gentleman called the show and spoke about using the same razor for a year. He revealed that blades don't degrade from shaving, but rather they corrode from the moisture that collects on them once you're done shaving.

He went on to explain his ritual of using a blow dryer to dry his razor after use. His call prompted others to speak up and share their tricks and tips for maximizing a razor's life.

Clark got inspired by the whole discussion (and the expense of shaving blades!) and decided to take a single 17-cent razor and make it last for one year.

He didn't dry his razor with a hair dryer, but instead took the lazy man's approach of just blotting it dry on a towel. It lasted for a whole year and he was very pleased to not have to throw money away on blades anymore.

Recently Clark got a letter from another man who heard the on-air talk about drying your razor and invented a device to do it easily. His invention -- the Razor Pro -- has been sold on QVC and through a drugstore chain.

The Razor Pro looks like a battery-operated pencil sharpener and dries your razor in two minutes. Clark's executive producer, Christa, thinks it can double really nicely as a fingernail polish dryer for girls.

Check it out if you're looking for a way to cut down on one of those smaller expenses that really adds up over time.

Clark recently spoke on the show about how what happens on Wall Street affects what happens on Main Street in America. One way you may feel a pinch is in the credit card field. Dow Jones recently reported that credit card companies are starting to tighten their standards. This will happen in a number of ways: Credit limit increases won't be so common; potential customers who may have previously qualified for a card may no longer qualify; and you'll probably be seeing less balance transfer offers.

Credit card companies have historically borrowed money short-term at very low interest rates. Then they turned around to lend that money to you via your credit card at an average interest rate of about 16 percent. But now their ability to borrow at ultra cheap rates -- what's known as commercial paper -- is being squeezed. Since they don't have such easy access to money anymore they can't offer their deals to you. The credit card companies are also worried about people's ability to pay their debts. A Dow Jones survey found that a number of banks are tightening their standards one by one. This is not being done across the board, it's more of an industry trend -- so you still may see some low-interest transfer offers in your mail.

The car loan field will also be clamping down too. You may be expected to have higher credit score, pay a higher interest rate or come in with a down payment on your vehicle if you want to qualify. All of these trends are signs that the pendulum is swinging back in the business world. For years we've had very low terms for borrowers. Now things are changing and some us are going to get pinched in the process.