The Expert Podcast

Cyber Security Risk Overview: 
Ransomware is on track for its highest grossing year ever, with the average ransom payment rising significantly.

Current Statistics:

• Median ransom payment in 2023: $200,000.
• Median ransom payment in 2024: $1.5 million.
• Total ransomware payments in 2024: $75 million, compared to $37.5 million in 2023.

Trends in Ransomware:

• Ransomware gangs are demanding larger payouts.
• Hackers are increasingly targeting companies with substantial financial resources.

Prevention Strategies:

• Active Monitoring: Essential for detecting and preventing attacks.
• Best Practices: Implementing security protocols can significantly reduce risk.
• Response Team: A quick and effective response team can mitigate damage even after an attack begins.
• Recommendations:
  • Regularly conduct drills to test response plans.
  • Maintain ongoing best practices and active monitoring.

Consultation Availability:

• Access to live, one-on-one consultation with licensed experts in various fields including cyber defense, insurance, and business development.

Call to Action:

• For questions or comments about the episode, use the link below to get in touch.
• Explore more topics with expert guidance through the provided link.

Thank you for tuning in! If you find this content valuable and wish to delve deeper, click the link below to connect with an expert.

Description:

• Clean Technica has published an insightful article on purchasing used electric vehicles (EVs). They address whether it's wise to buy a used EV and provide valuable advice for potential buyers.

Key Takeaways:

• Range: Look for an EV that had a minimum of 250 miles of range when it was new. This ensures the vehicle was designed with serious EV considerations and avoids early models with subpar range.
• Cooling System: Ensure the EV has liquid cooling for the main battery. Unlike air cooling, which is less effective in hot weather, liquid cooling will maintain optimal battery temperature even in high temperatures.

Why These Factors Matter:

• Vehicles with at least 250 miles of range and liquid cooling systems are more likely to provide a better and more reliable experience.
• Understanding these features can help you avoid issues with EVs that might not meet your needs or expectations.

Used EVs as a Good Deal:

• The depreciation on used EVs is significant, making them an affordable option for secondary or commuter vehicles.
• For daily use or as a college vehicle, a used EV can be a practical choice, provided you follow the key considerations mentioned.

Consultation Available:

• For personalized advice, visit actualhuman.com to schedule a live one-on-one consultation with an expert. Our services cover various fields including investigations, insurance, legal matters, and business development.

Contact Us:

• If you have any questions or comments, please leave them in the link below.
• Explore our range of expert consultations to dive deeper into any subject.

Introduction

• One of the most common terms in our car title division is "abandoned vehicle." Clients often use this term when they've acquired a vehicle without a title and want to call it abandoned to obtain a title.

Common Misconception

• People mistakenly believe that if a vehicle is abandoned, they can claim it as their own through a "Finders Keepers" approach. However, vehicles are not subject to such rules.

Reality Check

• Most vehicles are not truly abandoned. They might have been purchased, traded, or inherited. The previous owner didn't simply leave it behind. Abandoned vehicles do not have a straightforward path to ownership.

Example from New Jersey

• New Jersey's procedure for abandoned vehicles on private property:
  • Vehicles must be auctioned.
  • Detailed steps include:
    • Submitting forms (OSS SS1 137) to request auction permission.
    • Conducting a title search in New Jersey and surrounding states.
    • Providing a notarized statement detailing how you acquired the vehicle.
    • Publishing notices in newspapers and to the local police department.
    • Waiting for a 90-day notice period before the auction.
    • Documenting the auction process thoroughly.

Challenges of the Abandoned Vehicle Process

• The process involves extensive paperwork, waiting periods, and potentially complex procedures that may include certified affidavits and title searches in multiple states.

Alternative Methods

• If you acquired a vehicle without proper documentation, there are better methods to obtain a title than calling it abandoned. Consult with experts for guidance on alternative options.

Expert Consultation

• For more information, visit cartitles.com or contact us for a consultation with a certified title agent or other licensed professionals.

Conclusion

• Avoid using the term "abandoned" for vehicles if it doesn’t truly apply. There are better and less complex ways to handle title issues.

Call to Action

• Leave a comment or contact us through our website for questions about vehicle titles. Access live one-on-one consultations with licensed experts in various fields.

Introduction:

• Recent developments regarding the titling and registration of Japanese mini trucks and cars.
• Discussion based on an article from ARS Technica, a highly respected automotive resource.

Key Points:

• State Actions:
  • Massachusetts joins other states like Alabama and Arkansas in banning these vehicles due to safety concerns.
  • Some states allow limited use of these vehicles, such as on farm roads or low-speed roads, but many are increasingly restricting them.
• Import Exemptions vs. Registration Exemptions:
  • Federal exemption allows import of vehicles older than 25 years without compliance with Federal Motor Safety Standards.
  • This exemption does not ensure that states will allow these vehicles to be titled and registered for road use.
  • It's possible to import these vehicles, but state regulations may still prohibit their use on public roads.
• Considerations for Buyers:
  • Before purchasing a Japanese mini truck or car, check if your state allows titling and registration.
  • Be aware that even if a state permits registration now, regulations can change, potentially restricting use in the future.

Expert Consultation Offer:

• For personalized advice, consult with licensed experts through Actual Human.
• Available experts include private investigators, commercial insurance brokers, real estate title examiners, civil court mediators, and general contractors.

Conclusion:

• Ensure thorough research on local regulations before buying these vehicles.
• Contact experts if you need guidance or have specific questions about your situation.

Is Artificial Intelligence competent to give you good advice?

• The big question: Should you rely on AI, or do you still need human consultation? Many companies and individuals are debating the use of AI for providing advice.

Microsoft's Warning:

• According to a press release from Microsoft, one of the largest AI providers, AI services should not be taken too seriously.
• Microsoft states that AI services are "not designed or intended to be used as a substitute" for human advice in matters of consequence.

Human Expertise Matters:

• For decisions that impact your life, Microsoft's official stance is that AI should not replace professional human consultation.
• The legal terms and conditions suggest that for critical decisions, you should consult a human expert.

What are your thoughts on AI?

• Have you used AI for advice? How does it compare to getting advice from an actual human?

Access to Live Expert Consultation:

• At ActualHuman.com and Describe.TV, you have access to live, one-on-one consultations with licensed experts.
• Fields of expertise include investigations, insurance, surety bonds, civil court mediation, real estate records research, business development, marketing, and more.

Why Human Consultation Matters:

• Unlike YouTube, where you can't ask a video a question, you can get real-time answers and guidance from certified professionals.

Call to Action:

• If you find this content valuable and want to dive deeper into a subject, follow the link below for live consultation with an expert.

Episode Summary: In this episode, we explore the growing issue of "zombie loans" and liens—old debts or judgments that resurface long after they were thought to be resolved. Learn how to address these issues to prevent future problems and ensure that your records accurately reflect the status of your loans.

Key Points Covered:

• Introduction to Zombie Loans:
  • Definition and explanation of zombie loans and liens.
  • How they can resurface despite being cleared or charged off.
• Real-World Example:
  • Case study of a California woman who faced issues with a mortgage she thought was resolved.
  • Importance of official record updates to avoid future disputes.
• Understanding Official Records:
  • How official records (e.g., vehicle titles, property deeds) need to be updated.
  • The role of government records in maintaining the validity of liens and judgments.
• Steps to Take:
  • How to file for a lien release or mortgage release.
  • The importance of sending documents via mail to the official lien holder.
  • What to do if the lien holder is unresponsive or out of business.
• Further Actions:
  • Filing a court petition if necessary.
  • Ensuring records are updated to avoid future complications.
• Why This Matters:
  • Potential consequences of not updating records (e.g., unexpected collection attempts).
  • Real-life examples of how unresolved liens can impact property ownership and financial stability.
• Additional Resources:
  • Visit leanrelease.com for instructions on preparing and sending lien release packages.
  • Schedule a one-on-one consultation with a lien release agent for personalized advice.

Call to Action:

• Get more information on handling zombie loans and liens.
• Book a one-on-one live consultation with experts in various fields (e.g., real estate, insurance, mortgage) at actualhuman.com.

Episode Outro:

• Thank you for tuning in to Actual Human Advisory on Describe TV.
• Stay informed and proactive about managing your financial and legal records to avoid future issues.

Introduction:

• Discuss the influence of artificial intelligence (AI) on the cyber attack and cyber liability landscape.
• Highlight that the article reveals AI's dual role: aiding both hackers and insurance companies.

AI and Cyber Attacks:

• AI is making it easier for hackers to execute millions of attacks.
• Hackers benefit from AI by improving their attack methods, such as crafting better social engineering schemes.

AI and Cyber Insurance:

• Insurance companies are using AI to enhance their risk management:
  • Active monitoring of threat profiles.
  • Improved pricing of insurance products.
• AI helps insurers strengthen cybersecurity controls and develop proactive measures.

Challenges and Countermeasures:

• The ongoing arms race between hackers and insurers.
• Insurers' use of AI to counteract hackers' improved tactics.
• Importance of robust cyber liability insurance, active monitoring, and response protocols.

Proactive Measures:

• AI in underwriting helps identify and mitigate risks.
• Creation of disaster recovery plans and vendor management to minimize damage during an attack.
• Statistics show that companies with cyber attacks are three times more likely to go out of business compared to those without.

Getting Help:

• For personalized advice and expert consultations, visit ActualHuman.com.
• Access live one-on-one video consultations with experts in various fields, including cyber prevention, liability, investigations, insurance, and more.

Engagement:

• Encourage listeners to comment with questions or feedback.
• Reminder to use the provided link for live consultations with licensed experts.

Certified and Licensed Vehicle Title Research:

• We are a certified and licensed vehicle title research company with over 20 years of experience in the industry.

Member of EART:

• We are proud members of EART, an organization of large companies working to modernize vehicle titles and transition them to digital formats.

Current State of Vehicle Titles:

• Vehicle titles in most states remain paper documents, resembling something out of the 1700s. These titles are crucial for proving ownership, recording liens, and transferring vehicles, but the current system is outdated.

Digital Transformation:

• Companies like DocuSign, CarMax, Carvana, and ours are pushing to mainstream digital vehicle titles across various states.

Success Story - California DMV:

• On July 30th, the California DMV placed 42 million car titles on the blockchain, marking a significant advancement towards digital car titles.

Benefits to Consumers:

• Digital titles will streamline the title transfer process, prevent fraud, and simplify lien releases. No more waiting in line at the DMV—digital titles mean fewer in-person visits.

The DMV and Bureaucracy:

• The DMV is often seen as a bureaucratic obstacle. By digitizing car titles, we aim to bring this system into the modern era, making it easier and more efficient for consumers.

Blockchain and Digital Wallets:

• With 42 million titles now on the blockchain, consumers can look forward to downloading a digital wallet on their phones to manage their car titles easily.

Future of Car Titles:

• Within the next year or two, car titles will become much easier to handle, reducing headaches and hassle for consumers.

Interactive Consultation:

• Have issues with vehicle titling or records? Click the link below for live one-on-one consultation with a licensed expert. We offer personalized assistance from certified private investigators, commercial insurance brokers, real estate title examiners, civil court mediators, and general contractors.

Engage with Us:

• Share your thoughts in the comments, and let us know what you think about the digital transformation of vehicle titles.

Consultation Link:

• Need expert advice? Click here to arrange a live consultation with a licensed professional in the field of your choice.

Introduction:

• Hello, this is Dave at Car Titles Lately.
• Lately, we've been receiving more requests for lien releases on vehicles from a lender called Yendo.

About Yendo:

• Yendo is an innovative lending institution.
• They offer a line of credit tied to your vehicle, similar to a credit card.
• They hold the title of your car and provide you with a credit card to borrow against or pay down.

Important Considerations:

• Always ensure you get a lien release from Yendo when you close the account or pay it off to zero.
• If you don't get a lien release, the lien will remain on the vehicle.

Recent Issues:

• We’ve had inquiries from people who had a loan with Yendo, paid off their credit card, but didn’t cancel it.
• When their car was totaled, they needed a title to get insurance money.
• If the card is still active, Yendo will still hold a lien on the vehicle.

Advice and Assistance:

• Ensure you receive a lien release document when closing your account.
• For help with the paperwork or lien release, visit our website for assistance.
• If you need private consultation, ActualHuman.com offers live one-on-one video consultations with experts.

Community Engagement:

• We’re interested in hearing your experiences with Yendo.
• Share your comments on how your dealings with Yendo have gone and if you’ve had success getting lien releases.

Closing Thoughts:

• Yendo’s unique approach to vehicle lending has been featured in various media and publications.
• For more insights and information, check out other videos on our channel to help resolve your specific situation.

Overview:

• Common challenges with vehicle title paperwork and services offered.

Key Points:

• Misconception about Paperwork:
  • Many people think the hardest part is just filling out forms.
  • The real challenge often lies in locating the correct forms and determining which ones to use.
• Importance of Process:
  • It’s more than just filling in blanks; it involves understanding the right process and correctly completing the paperwork.
• Client Appreciation:
  • Clients value the service of finding the right paperwork, understanding the process, and filling it out properly.
  • Filling in paperwork is less of an issue than navigating the complexities of obtaining and processing it correctly.

Services Offered:

• Paperwork Assistance:
  • Detailed help in locating, understanding, and filling out forms.
• Consultation:
  • Live, one-on-one video consultations with experts for personalized advice.
  • Access to a certified title agent for detailed guidance.

Resources:

• Website: Cartitles.com
  • A valuable consumer resource for those who prefer to handle the paperwork themselves.
• Additional Help:
  • Book a live video consultation for expert advice and personalized assistance.

Call to Action:

• Subscribe: Click on more videos in our channel for additional information on vehicle title issues and related topics.
• Engage: Explore our website and services for more in-depth assistance.