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Because of all the subsidized new car programs going on over the summer, used cars are overflowing on car lots. That means the deals on used cars are getting better and better. Pricing guides are off as much as 5- to 10- percent, especially on American branded vehicles. In other words, you may pay more than you need to if you’re going by Kelly Blue Book or Edmunds standards. Don’t miss out on this deal, which will probably go on up until the holidays.

A lot of people have been asking Clark about airline stocks lately, especially the stocks of companies that are in jeopardy of going bankrupt. For stockholders, the picture is pretty grim. If a company files for bankruptcy, the stockholders get nothing. That’s what you need to remember. Employees also are in for a tough time if an airline files for bankruptcy. They could end up making a lot less money because the bankruptcy proceedings eat into a company’s profits. For customers, a bankruptcy doesn’t mean anything negative, and could, in fact, mean something good. The deals could be tremendous. Just remember not to buy tickets with a debit card, or fake Visa or Mastercard, as Clark likes to call them. If a company goes under, you have no chargeback rights to get your money back.

One of the most unfair institutions of our capitalist system is arbitration. Cable, phone, insurance, travel and insurance companies are all establishing arbitration panels as a way to limit the rights of customers. In arbitration, customers are not allowed to take a company to court for any reason. Instead, an arbitration company comes in and there is another kind of “hearing” that determines whether the company did anything wrong. The problem is that the company picks the arbitration company. And if that arbitration outfit doesn’t find for the company, the outfit is fired. So, of course the arbitrators will find for the company. Arbitration procedures are always one-sided, and it’s wrong of the U.S. Congress not to pass a new law preventing them. California and Arizona have their own laws regarding arbitration. Arizona uses something called “alternative dispute resolution,” which is voluntary. It allows people to try to work out problems with companies first, and then they can go to court if necessary. California has banned arbitration all together. Clark would like the federal government to catch on and pass a law nationwide.

Cardweb.com recently learned the highest interest rates from the ten largest credit card companies. These are the rates companies impose based on “cross default clauses.” Cross default clauses are any negative marks on your credit report that allow credit card companies to raise your interest rate. Here are the rates: Chase – 30%; Citibank – 30%; Bank of America – 30%; MBNA – 20%; Discover – 26%; Capital One – 27%; American Express – 28%; HSBC – 28%; Providian – 30% and Wells Fargo – 24%. So, if you have a credit card with one of these cards and you carry a balance, you run the risk of paying a 30 percent interest rate. In addition, there is no appeals process to the cross default clauses. If it’s an error on your credit report, credit card companies don’t care. They can still charge that rate. The only power you have is to pay your bills in full and on time. If you do that, you will never be charged these exorbitant rates.

The British government is experimenting with putting RFID tags in driver’s license plates. As people move along the streets, the government will be able to track the car with this tag. It’s in an effort to track potential terrorists or “persons of interest,” as they’re often called. The idea has the U.S. government interested, according Wired News. But it’s still pretty creepy. What do you think about it? Tell us in our weekly poll. Clark thinks that if we were going to do something with this, we’d need very strict control of the system.