Unlocking Car Secrets: Extracting Data From Black Box Telematics The Expert podcast

3:19

You're Not Alone: Many victims of pig butchering scams feel ashamed or blame themselves, but even professionals like retired law enforcement officers, attorneys, CEOs, and accountants have fallen victim to these sophisticated frauds. Scammer Tactics: Scammers use highly calculated psychological manipulation, often with the help of psychiatrists and psychologists. They build trust over time, sometimes weeks or months, without ever directly asking for money at first. Steps to Take if You've Been Scammed: Don’t Blame Yourself – These scams are designed to be deceptive and are not a reflection of your intelligence or character. Try to Recover Your Money – Report the fraud immediately to your bank, though recovery depends on timing and the bank’s policies. Explore Third-Party Liability – Some external entities may hold responsibility and can be pursued for financial recovery. Utilize Digital Forensics & Open-Source Intelligence – These methods can help trace the flow of stolen funds. Additional Resources: Click the link below for more detailed guidance on fund recovery from Ponzi schemes and online scams. Take Action: Don’t hide in shame. These scammers are calculated and manipulative—seeking help and exploring recovery options is the best step forward. More Helpful Content: Check out our other videos for insights on scams, fraud recovery, and financial protection.…

The Expert Podcast

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Bad Car Loans: The Hidden Trap Hurting Consumers 2:14

21 hours ago2:14

2:14

Episode Show Notes / Description Topic: Negative Equity on Car Loans – A Growing Problem Source: Auto Blog reports that negative equity in car loans is worsening. Issue: Many vehicle owners owe more than their car is worth—by a significant amount. Expert Advice: Avoid rolling negative equity into a new car loan; it only worsens your financial situation. Consider a car short sale or other solutions to eliminate negative equity. Click the link below for more details or to arrange a consultation with a certified title agent. Need Expert Help? ActualHuman.com offers live one-on-one private video consultations with industry professionals, including: Licensed investigators Insurance brokers Mortgage brokers Real estate brokers Certified real estate title examiners Certified civil court mediators Get expert advice on vehicle financing, real estate, insurance, and more. Book Your Consultation Today: Use the link below to schedule a private session with a professional. Thank You for Watching! Stay tuned for more insights from Actual Human Advisory on Describe TV.…

The Expert Podcast

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Smart Car Financing: Avoiding Negative Equity in Your Loan 7:17

21 hours ago7:17

7:17

Episode Show Notes / Description 🔹 Troubling Trends in the Auto Market 25% of trade-ins toward new car purchases have more than $10,000 in negative equity (according to Edmunds). Negative equity means you owe more than your car is worth —a growing issue for car owners. 🔹 How Negative Equity Adds Up Historically, negative equity was around $1,000 - $2,000 but has now skyrocketed. If you owe $30,000 on a car only worth $20,000 , the $10,000 negative equity rolls into your next car loan. This makes new car payments even higher and adds more financial strain. 🔹 Options to Escape Negative Equity ✅ Avoid trading in with negative equity – It adds debt to your new loan. ✅ Avoid voluntary repossession – This leads to a deficiency judgment . ✅ Consider a car short sale – A method to sell your car for less than you owe with lender approval . 🔹 How a Car Short Sale Works Work with your lender to file necessary documents (e.g., evaluation report, sale affidavit ). Many lenders prefer short sales over repossessions as they recover more value. Some lenders may waive part of the negative equity or allow you to pay off a smaller portion in installments. 🔹 The Cost of Carrying Negative Equity If you roll $10,000 of negative equity into a new loan at 10% interest , you’ll pay $1,000 extra per year in interest alone. A short sale can help you avoid paying full interest on negative equity . 🔹 Need Help? 📌 Click the link below to start the car short sale process . 📌 Book a live consultation with a certified title expert for personalized advice. 📌 Have questions? Drop them in the comments! 🎥 Watch more videos at ActualHum.com & Describe.tv!…

The Expert Podcast

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Escaping Car Loan Debt: Strategies for Negative Equity 7:16

22 hours ago7:16

7:16

🔹 The Growing Issue of Negative Equity in the Auto Market A troubling trend: More vehicle owners now have higher negative equity than ever before. Edmunds, a respected automotive publication, reports that 25% of trade-ins have over $10,000 in negative equity. 🔹 What is Negative Equity? It means you owe more on your car loan than the car is worth. In the past, negative equity was around $1,000-$2,000, but now it’s skyrocketing. 🔹 Why This Matters If you trade in a car with negative equity, the debt rolls into your new car loan , increasing your financial burden. Depreciation on your new car makes the situation worse, leading to even deeper negative equity over time. Voluntary repossession isn’t a good option—it results in a deficiency judgment , leaving you liable for the remaining balance. 🔹 The Solution: Car Short Sale A car short sale allows you to sell your vehicle for less than you owe, with lender approval . This process helps you avoid repossession, limit financial damage, and move on to a more affordable vehicle. You can sell the car privately or through a dealer. 🔹 How Does a Car Short Sale Work? You file a package with your lender, including a valuation report, sale affidavit, and financial documents. Lenders may waive part of the negative equity or offer a manageable repayment plan. Unlike a trade-in, a short sale prevents your negative equity from getting added to a new loan with high interest 🔹 Need Expert Help? 📌 Live one-on-one consultation available —speak with a certified title expert about your options. 📌 Get assistance with auto loans, real estate records, civil court mediation, business development, and more. 🔹 Want to Learn More? Click the link below to start your car short sale process. Leave your questions and comments below! Subscribe for more expert advice on financial and legal matters. 🚗 Don’t let negative equity hold you back—take control of your auto finances today!…

The Expert Podcast

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Future-Proofing Your Career: Thriving in the Age of AI Business 4:37

22 hours ago4:37

4:37

Episode Description: In this episode, we explore how artificial intelligence (AI) is infiltrating industries that were once thought to be immune to automation, including scientific research and business management. Key Takeaways: AI in Scientific Research: A new startup has developed a lab where AI runs all experiments. AI sets parameters, creates variables, and manages the entire process. This highlights AI’s expanding role in project management and complex tasks. The Future of AI in Business & Careers: AI agents can now model, plan, and even manage teams. No industry is truly immune—businesses must adapt. To stay ahead, professionals must learn to integrate AI into their work. How to Stay Competitive in the AI Era: Get in the game: Start using AI tools now, even at a basic level. Experiment with AI applications: Find ways to enhance your business. Think long-term: Early adopters gain a competitive edge over future rivals. AI & Entrepreneurship: Businesses that leverage AI early will have a strategic advantage. Waiting too long could leave you behind competitors—both current and future. Adaptation and continuous learning are key to thriving in an AI-driven world. 📢 Need Expert Advice? Book a one-on-one consultation with an expert at ActualHuman.com . Get insights from licensed professionals in business, real estate, insurance, and more. 🔔 Subscribe for More AI & Business Insights!…

The Expert Podcast

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Why You Should Consider a Used EV (Even If You Hate EVs) 4:54

22 hours ago4:54

4:54

Why Used Electric Vehicles Are a Great Deal A large supply of used EVs is available due to lifestyle buyers selling their vehicles. Many original EV buyers used them as secondary cars rather than primary vehicles. Used car buyers tend to be more practical, focusing on affordability over sustainability. Significant Depreciation in Used EV Prices Some Tesla Model S cars are selling for as low as $9,000. Many Teslas are available in the $12,000–$15,000 range. Compared to gas cars, finding a 2–3-year-old vehicle under $20,000 with 50,000–60,000 miles is rare. EV Ownership Considerations Perfect for city commuting and short-range travel (200–300 miles). Possible incentives from local governments and electric companies can lower costs further. Battery degradation is often minimal, with some vehicles maintaining 85% capacity. EV Battery Replacement: Is It Worth It? Even if a new battery is needed, replacing it for around $5,000 still makes the total cost attractive. EV motors and drivetrains are highly reliable, lasting hundreds of thousands of miles. Some used EVs may still have warranty coverage on their batteries. Financial Advantages Over Gasoline Cars Finding a good gasoline car under $20,000 is difficult, with most costing in the mid-$20,000s. Saving $10,000 or more on an EV can put buyers in a better financial position. Expert Consultation Available Get one-on-one expert advice on topics like investigations, insurance, real estate, business development, and more. Have real conversations with certified professionals instead of relying solely on online searches. Use the link below to connect with an expert. Thanks for listening! If you have questions or comments, drop them in the link below.…

The Expert Podcast

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Selling a Car with a Loan: What You Need to Know 4:32

24 hours ago4:32

4:32

The Growing Auto Loan Crisis Automotive loans are a key indicator of economic trends. A record number of car owners are unable to afford their loan payments. Many borrowers are upside down on their loans, owing more than their car’s value. Understanding Vehicle Short Sales A vehicle short sale allows you to sell a car for less than the loan amount with lender approval. This is different from voluntary repossession, which can leave you with a significant financial burden. Short sales require paperwork and lender negotiations but can help you avoid a major debt. The Downsides of Voluntary Repossession Returning your car to the lender results in an auction sale, often at a lower price. Lenders can still pursue you for the remaining balance after the auction. A short sale may reduce or eliminate this debt if done correctly. How a Car Short Sale Can Help By securing a buyer and negotiating with the lender, you may sell the car at a fairer value. Some lenders may require partial payment of the remaining balance, but this is often lower than a full deficiency. This process helps you escape an unaffordable loan without a large financial hit. Need Expert Assistance? Get live one-on-one consultations with licensed professionals, including: Private investigators Commercial insurance brokers Real estate title examiners Certified civil court mediators Licensed general contractors Click the link below for guidance on car short sales or other legal and financial matters.…

The Expert Podcast

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AI’s Blind Spots: What It Still Can’t Do 3:10

1 day ago3:10

3:10

Episode Highlights: Morgan & Morgan’s AI Chatbot Issue: One of the largest personal injury law firms in the U.S., Morgan & Morgan, allegedly used an AI chatbot to assist with casework. Fabricated Legal Citations: The chatbot created and cited fictional legal cases, leading to errors in legal filings. Limitations of AI in Legal Work: This case highlights the risks of relying on AI without proper human oversight. The Importance of Quality Control: Businesses using AI must double-check outputs to ensure accuracy before implementation. Key Takeaway: AI tools can be useful, but they should not replace human expertise, especially in legal and professional fields. Need Expert Advice? Book a One-on-One Consultation: Get personalized guidance from a licensed investigator, insurance broker, mortgage broker, real estate broker, certified title examiner, and civil court mediator. Visit ActualHuman.com to schedule your consultation. 👉 Subscribe for more insights on AI, legal cases, and professional advice.…

The Expert Podcast

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The Virtual Workforce Revolution: Companies Racing to Create Digital Workers 6:56

1 day ago6:56

6:56

Episode Highlights: The subtle impact of Artificial Intelligence (AI) on the job market. How companies like Salesforce are reducing hiring due to AI efficiencies. The difference between AI-driven job stagnation and traditional layoffs. The hidden effects of AI on small businesses and hiring trends. Forced automation – how companies are using AI to cut costs and reduce workforce expansion. The role of AI in customer service and sales – is it helping or hurting consumers? How employees can adapt and stay relevant in an AI-driven workplace. Key takeaway: “We are the last generation to manage only humans” – what this means for the future of employment. The rise of digital labor and virtual employees in Silicon Valley’s biggest companies. How to Stay Ahead of AI Disruption: Learn how to operate and manage AI systems in your workplace. Develop technical skills that complement AI rather than compete with it. Position yourself as an AI-literate employee to increase job security. Get Expert Insights & Advice: Need professional guidance on AI’s impact on jobs, business, or legal matters? Get live one-on-one consultations with licensed experts in: Investigations & insurance Business development & marketing Real estate & mortgage lending Civil court mediation & legal research 🔗 Ask your questions and connect with an expert now! (Link below) Subscribe & Comment: Found this episode helpful? Drop your thoughts and questions in the comments! Stay informed on the latest AI and job market trends – Subscribe for more insights!…

The Expert Podcast

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Making the DMV Less Painful: Tips & Tricks You Need 5:00

4 days ago5:00

5:00

Why is the DMV so slow? Long wait times for titles, registrations, license plates, and driver’s licenses Many believe their state has the worst DMV, but it’s a widespread issue Challenges in Dealing with the DMV Government agencies operate differently than private companies South Florida example: People camp out for DMV appointments DMV is underfunded and often overlooked in government budgets Budget constraints lead to fewer employees, long lines, and high turnover Why DMV Service is Inconsistent Limited funds mean low salaries and few promotions, causing high employee turnover Many employees only deal with simple, repetitive cases Complex cases may lead to incorrect information or confusion Tips to Make Your DMV Visit Easier Expect delays, especially for non-standard requests Be prepared with all required documents and filled-out forms Avoid multiple trips by ensuring you have everything before your visit Alternative Solutions for Title and Registration Issues Online services like cartitles.com offer simplified solutions It may cost more but can save time and frustration DIY options available for those willing to navigate the DMV process Final Advice Preparation is key—don’t go to the DMV empty-handed Explore other helpful videos and resources for more DMV-related tips…

The Expert Podcast

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Do Online Scammers Ever Get Caught? The Truth Revealed! 2:55

4 days ago2:55

2:55

🔹 Introduction: Every Friday, we highlight real cases of scammers getting caught. Many people wonder: Do scammers go to jail? Does stolen money ever get recovered? 🔹 Case 1: $100 Million Crypto Ponzi Scheme (Stuart, Florida) Scammer used fake investments in crypto to steal life savings. Ordered to pay $1 million—likely part of a larger asset recovery process. Authorities continue to recover funds from third parties. 🔹 Case 2: $24 Million Crypto Ponzi Scheme (Nevada) Scheme promoted through YouTube, promising 15-30% annual returns. Followed a familiar Ponzi pattern, defrauding investors. Legal action taken, reinforcing that scammers do get caught. 🔹 What You Can Do: If you’ve been a victim, there are ways to recover your money. We handle 30-40 cases daily, advising victims on refunds and legal actions. Justice is possible with persistence and the right steps. 🔹 Need Help? Get a one-on-one consultation with a licensed expert. We listen to your story and provide expert guidance on your options. 🔹 Stay Informed: Watch more videos on our channel for tips on avoiding scams and recovering losses.…

The Expert Podcast

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Unlocking Car Secrets: Extracting Data from Black Box Telematics 3:27

4 days ago3:27

3:27

🔍 Understanding Vehicle Telematics: How Your Car Collects and Shares Data What is Vehicle Telematics? Modern vehicles collect extensive data while you drive. Information includes door activity, brake usage, speed, signal switches, and even Bluetooth-connected device data. How is This Data Used? Can assist in police investigations, such as the Las Vegas Tesla incident. Useful in private litigation and civil cases. Helps vehicle owners track how their car is used, including speed, locations visited, and passenger presence. Infidelity and Telematics Data Data can indicate if a passenger was in the vehicle. Airbag sensors detect seat occupancy. Door activity tracking can reveal unusual behavior. Legal and Investigative Applications Used in civil and criminal cases, lawsuits, and asset recovery. GPS data can track vehicle locations. Can provide crucial intelligence for resolving disputes. Consult an Expert Visit our website for more information on vehicle telematics. Schedule a consultation with a licensed investigator to explore available data and its potential impact on your case. 🎥 Explore More: Watch more videos on our channel for additional insights. Stay informed about how data collection impacts your privacy and legal matters.…

The Expert Podcast

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Unlocking Your Car Title: How to Get a Lien Release Fast 6:55

5 days ago6:55

6:55

Episode Highlights: Why is there still a lien on your title? You may have paid off your car loan, but the bank might not have filed a lien release. Banks often avoid filing the release due to labor and filing fees. Even for charge-offs or write-offs, banks typically don’t spend money filing a release. What happens when you request a lien release? Simply calling the lender won’t work—phone agents lack the authority. Releasing a lien requires specific forms and manual processing. No bank employee is eager to find the right forms, fill them out, and mail them. How to properly request a lien release: Step 1: Get the lien release form for your state. Step 2: Prepare additional documents, such as a letter of non-interest and an affidavit of fact. Step 3: Mail all documents to the lienholder (not email). Step 4: Include a pre-addressed return envelope with a stamp to make it easier for them. Increase your chances of success: Sending the request by mail improves your chances to nearly 100% if the loan is paid off. Even for charge-offs, there’s an 80-85% success rate. If the bank doesn’t respond, you can use your written request as leverage to get the court clerk or magistrate to sign a release. Pro Tip: Send copies of your request to multiple locations (main office, branch, etc.) to improve your chances of getting a response. Additional Resources: Visit actualhum.com or describe.tv for more details, checklists, and downloadable forms. Live one-on-one consultations available for title issues, real estate records, business development, and more. Got questions? Drop them in the comments or check out our expert consultation services. Thanks for listening!…

The Expert Podcast

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Rising Lawsuits: Are More Patients Suing Medical Providers? 2:22

9 days ago2:22

2:22

Episode Show Notes / Description A Controversial Shift in Public Opinion A recent survey shows that more than half of Americans want to sue pharmaceutical companies over injuries. This marks a drastic change from past years when these products were widely accepted and celebrated. Public Reactions and Market Impact Many claim to have suffered injuries and are seeking compensation. Is this a valid concern, or is it an overblown issue fueled by social media? We Want to Hear From You! Do you think these lawsuits are justified, or is this a case of social contagion? Share your thoughts in the comments below. Need Expert Advice? Visit ActualHuman.com for live, one-on-one consultations with experts in: Private investigation Commercial insurance Real estate title examination Civil court mediation General contracting Get personalized guidance on your specific situation. 👉 Click the link below to book a session with a licensed expert today!…

The Expert Podcast

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Smart Strategies to Lower Your Car Payments 4:07

9 days ago4:07