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b'This summer came reports that cell phone carriers have been tracking and selling consumer location info. Lawsuits have been filed against AT&T for this practice, selling to 2 partners without consumers\\u2019 knowledge. But AT&T is hiding behind the arbitration clause buried inside consumer contracts, even though they\\u2019ve engaged in\\xa0 illegal activity. Clark is diametrically opposed to mandatory arbitration. If both parties are for it, fine. But ALL \\u2013 100% of arbitration forums between a business and consumer or employee are rigged in the company\\u2019s favor. The U.S. House just last Friday approved a bill outlawing mandatory arbitration \\u2013 which is fantastic. The Senate remains a question mark. We live in a society where the deck is stacked with unfair rules against consumers and employees. The bigs have too much power and use it to our detriment. Kangaroo court arbitration is a manifestation of that. Hopefully, the Senate will follow the House lead. AT&T broke the law and it\\u2019s reprehensible they hide behind arbitration.\\xa0\\nArstechnica reports the hack of city & state government payment portals, compromising people\\u2019s credit cards in all 50 states. If you use such a government portal \\u2013 do NOT use a debit or enter your checking account info. If you pay on a gov portal, use a credit card. Credit cards have protections debits do not. Yahoo mail had a massive data breach and settlement info is now coming out for those with Yahoo email between 2013-2016. Watch for your class action notice and make a claim if this affects you.\\nThis data is based on the scarcity of buyers post Labor Day, while the number of homes available isn\\u2019t much less than the peak season from March to May. In many areas, an agent listing agreement runs for 6 months. Clark sees a more important bargain window November thru mid-January. That 11 week period is potentially the ultimate bargain week for buyers. It\\u2019s true there are fewer properties listed for that time period.\\xa0 They may be listed for many reasons \\u2013 estate sales, job transfers, divorce \\u2013 people problem sales, which put the seller in a weakened position, outside normal cycles. During the holidays, the number of people looking to buy drops dramatically. But there are still wounded duck properties on the market. Clark believes the greatest opportunity to get a deal is late fall through early winter. That\\u2019s when a buyer looking for a bargain will find it.\\nLearn more about your ad choices. Visit megaphone.fm/adchoices'