The Expert Podcast

Episode Description:

A new NEC (National Electrical Code) rule coming in 2026 will affect EV owners, contractors, and anyone planning to install an EV charger at home. If you rely on overnight charging for your electric vehicle, this update could cause major inconveniences.

Key Takeaways:

• New NEC Code Requirement (2026):
  • All EV charging household plugs must have a GFCI (Ground Fault Circuit Interrupter).
  • GFCIs are designed to prevent electrocution in wet environments.
• How GFCI Works:
  • Commonly found in bathrooms and kitchens with a reset button.
  • Detects minor voltage fluctuations and trips the circuit to prevent shocks.
• The Problem for EV Owners:
  • EV chargers operate at 240 volts and naturally fluctuate in voltage.
  • This may cause frequent GFCI trips, cutting off charging unexpectedly.
  • You may wake up to an uncharged EV, disrupting your schedule.
• Reset Button Location Issue:
  • The GFCI reset button cannot be on the plug—it must be in the circuit breaker panel.
  • If your panel is in the basement, you’ll need to go down to reset it every time it trips.
• Who Will Be Affected?
  • Current & Future EV Owners – Consider installing a charger before 2026 to avoid compliance with the new rule.
  • Car Dealerships & Businesses – Multiple chargers on one circuit may experience frequent failures due to fluctuating loads.
• Potential Exceptions & Concerns:
  • EV chargers are not energized until connected to a vehicle, reducing shock risk.
  • Large-scale EV charging setups may face significant downtime and disruptions.
• What You Can Do Now:
  • Install your EV charging circuit before 2026 to avoid compliance issues.
  • Stay informed in case NEC revises or exempts EV chargers from this rule.

Need Expert Advice?

• Book a one-on-one consultation with a licensed expert on investigations, insurance, real estate, business development, and more.
• Click the link below to get expert guidance on EV regulations, contractor codes, and industry changes.

🎧 Enjoyed this episode? Drop your questions and comments below! 

🔹 Understanding Ordinance of Law in Insurance

• Natural disasters or property damage often lead to questions about insurance claims and home value.
• A key but often overlooked term in insurance policies is Ordinance of Law.

🔹 What is Ordinance of Law?

• If your house is destroyed by fire, hurricane, or another disaster, insurance will cover rebuilding costs based on its previous value.
• However, building codes and regulations may have changed since your home was originally built.
• Upgrades like reinforced roofing, new electrical systems, or septic tanks may be required.

🔹 The Financial Impact

• Your insurance payout may not fully cover the cost of rebuilding to modern standards.
• Example:
  • Home value before disaster: $500,000
  • Mortgage owed: $250,000
  • Insurance payout: $300,000
  • Potential out-of-pocket cost: $200,000+

🔹 Hidden Exclusions & Extra Costs

• Insurance may not cover:
  • Upgrades to meet new building codes
  • Debris removal and hazardous waste cleanup
  • Personal property losses beyond certain limits

🔹 How to Protect Yourself

• Review your policy to understand Ordinance of Law coverage.
• Consider upgrading your policy to cover rebuilding costs for modern codes.
• Speak with an insurance expert before disaster strikes to avoid surprises.

🔹 Need Expert Advice?
💬 Get live one-on-one consultations with:

• Licensed Insurance Broker
• Private Investigator
• Real Estate Title Examiner
• Certified Civil Court Mediator
• Licensed General Contractor

📌 Schedule a consultation today at actualhuman.com! 

Episode Highlights:

• Understanding what people want in a conversation
• The key to making a great impression
• How to encourage people to share their favorite stories
• Specific phrases you can use to spark engaging conversations
• Why listening makes you more interesting than talking about yourself
• How to be the "Master of Ceremonies" in any group setting
• Applying these techniques in business, social, and dating situations
• The opposite approach: How to be boring in conversations
• Why personal stories often don’t have the impact you think they do
• The psychology behind engaging conversations
• Practical experiment: Try it and see the difference!

Bonus:

• One-on-one live consultation available at ActualHuman.com
• Book a session with experts in investigations, insurance, real estate, business, and more

Tune in now and transform the way you interact with people! 🎙️ 

New Resource for Fraud Victims:

• The Justice for Fraud Victims Project (JVP) is a collaborative initiative providing support for victims of financial fraud.
• It is a partnership between universities, law enforcement, and fraud investigators.
• Helps victims seek recovery for their losses through forensic accounting services.

History of JVP:

• Originally launched at Gonzaga University as a collaborative effort.
• Brings together college students, faculty, law enforcement, and fraud prevention experts.
• Provides pro bono forensic services to victims, especially those unable to afford private investigations.

Benefits for Fraud Victims:

• Offers forensic accounting services at no cost to help victims take legal action.
• Can be a valuable resource for those seeking restitution.
• Alternative to costly private investigation services.

Additional Consultation Options:

• Private fee-based consultation services are also available for fraud victims.
• Compare both options to determine the best path for your situation.

Next Steps:

• If you've been a victim of fraud, consider contacting JVP to explore possible recovery options.
• Browse other videos on our channel for more information on fraud recovery and prevention.

Episode Show Notes / Description

• Do you hate the DMV? Imagine waiting in line at 2 a.m. with over 100 people—this is the reality in Broward County, Florida. Social media posts show people sitting in the dark, hoping to be among the first 50 accepted for services like title registration, licenses, and more.
• Alternatives to the DMV Hassle:
  • Try handling your DMV tasks online.
  • Use a third-party service if available.
  • Avoid calling—the DMV rarely answers.
• Expert Consultation Available: Need help with DMV-related issues? ActualHuman.com offers live one-on-one video consultations with experts who can guide you through your situation.
• More Helpful Content: Check out other videos on our channel for insights and solutions to DMV and related topics. Don't waste time in long lines—explore better options!

Kei Mini Trucks & State Restrictions

• These small Japanese mini trucks are facing legal challenges in many states.
• Some states are easing restrictions, while others are making it harder to register them.
• Many states are revoking previously issued titles and registrations.

What Are Kei Mini Trucks?

• Small trucks built on motorcycle chassis with 2-3 cylinder engines.
• Low horsepower (50-60 HP) and limited highway speed capability.
• Popular for affordability and utility, like a motorized wheelbarrow.

Why Are They Banned or Restricted?

• Originally not designed for U.S. roads, raising safety concerns.
• A 25-year import rule allows them to bypass emissions and inspections but does not guarantee state registration.
• States can still deny titles or revoke previously issued registrations.

Future Challenges for Kei Mini Trucks

• Federal regulations may further restrict their use under new administration policies.
• Automakers (including Japanese brands) oppose their presence due to market competition and parts availability issues.
• Even if registered in one state, another state may not allow it on the road.

What Should Owners Do?

• Check state laws before purchasing or attempting to register.
• Be aware of potential future restrictions that could impact ownership.
• Consider consulting title experts for guidance on legal options.

Need Expert Advice?

• Speak with title consultants for more information.
• Get one-on-one consultations with licensed professionals on topics like insurance, real estate, legal issues, and business development.

🔗 For more details, click the link below. 

🔍 Understanding Vehicle Telematics

• Vehicle telematics functions like a black box for cars, tracking various data points such as:
  • Speed, gear position, and signal usage
  • Seatbelt connection and passenger presence
  • Door openings and light status
  • Vehicle location and movements

📡 How Vehicles Communicate

• Many modern vehicles transmit data via Wi-Fi or 5G to manufacturers or monitoring systems.
• This data can be critical in legal cases such as:
  • Fraud investigations
  • Divorce disputes
  • Asset recovery
  • Uncovering hidden or illegal activities

🚛 Real-World Example: Las Vegas Truck Explosion

• Authorities quickly accessed telematics data from the vehicle involved.
• Data retrieval helped determine key details about the incident.

🛠 How Telematics Data Can Be Used

• Identifies vehicle locations and usage history
• Determines if a passenger was present using airbag sensor data
• Reveals when and where a vehicle stopped, refueled, or opened doors
• Converts raw data into actionable intelligence

📞 Need Help with a Case?

• Schedule a one-on-one consultation with a licensed private investigator using the link below.
• Get expert guidance on investigations, insurance, surety bonds, civil mediation, real estate records, and more!

💡 Have Questions?

• Leave your questions and comments below.
• Want to talk to a real expert? Use the live consultation link for direct assistance.

🎥 Thanks for Watching!
Stay tuned for more insights at ActualHuman.com and Describe.TV. 

Should You Run an Asset Search if You Have a Judgment?

• Many people with a judgment wonder if an asset search can help them collect what they’re owed.
• Key factors to consider before running an asset search.
• Pros and Cons of Running an Asset Search
  • Cons:
    • Cost of hiring a professional investigator.
    • Potentially spending money without guarantee of recovery.
  • Pros:
    • You can conduct an asset search yourself with proper research.
    • A well-done search provides a clear picture of the debtor’s holdings, including bank accounts, real estate, and vehicles.
    • Helps track fraudulent asset transfers, which can aid in garnishment and recovery.
• Legal Considerations
  • Asset searches must comply with state and federal privacy laws.
  • The Graham-Leach-Bliley (GLB) Act governs how private records can be obtained.
  • Ensure any hired investigator follows GLB-compliant methods to avoid legal trouble.
• How an Asset Search Helps Judgment Collection
  • Identifies available assets to attach your judgment to.
  • Allows you to track financial changes over time.
  • Can reveal fraudulent transfers that may support legal action.
• Get Expert Guidance
  • Visit ActiveIntel.com for instructions on conducting an asset search.
  • Schedule a live one-on-one consultation with a licensed private investigator.
  • Need expert advice? ActualHuman.com offers access to professionals in private investigation, real estate, civil court mediation, and more.

🔗 Click the link below to schedule a consultation or learn more! 

Episode Description:

• Do you have a vehicle that seems blocked from getting a title?
• What if it has a Certificate of Destruction, Non-Repairable Title, Junk Title, Parts-Only Title, or even just a Bill of Sale from Washington State?
• If you purchased a vehicle from IAA, Copart, or a private seller with one of these designations, it means an insurance company has classified it for scrap or parts only.
• In its current condition, you cannot get a title—but can it be undone?

How to Check If Your Vehicle Can Get a Title:

• Some vehicles may qualify for a salvage title, rebuilt title, or assembled vehicle title.
• To find out, determine if the Certificate of Destruction or Parts-Only Title is hardcoded or soft-coded.
• You can check by visiting the Department of Motor Vehicles (DMV) in person:
  • Fill out a form.
  • Show your ID.
  • The DMV will mail you a report in one to two weeks.
• Many cars with Certificates of Destruction are not severely damaged—some were flood-damaged, stolen and recovered, or had minor issues.

What Are Your Options?

• Before junking the car, check if you can legally re-title it.
• Book a consultation with a certified title agent at cartitles.com to:
  • Look up the VIN number in records.
  • Explore methods to obtain a new title in your name.
  • See if your car qualifies for a rebuilt or salvage title.

Need Expert Help?

• Get live, one-on-one consultations with licensed professionals, including:
  • Private Investigators.
  • Insurance Brokers.
  • Real Estate Title Examiners.
  • Civil Court Mediators.
  • General Contractors.
• Visit actualhuman.com to connect with experts for guidance.

🎧 Tune in now to learn if you can get a title for your vehicle! 

 🔹 Not everyone wants an EV

• Some people prefer gas cars or hybrids.
• EVs come with challenges: charging, range, battery life.
• But as a second car, an EV might make sense.

🔹 Two big EV deals happening right now

• Hertz is selling used Teslas at huge discounts
  • Originally $40,000–$60,000.
  • Now selling for $14,000–$15,000.
  • Some renters are being offered to buy the car when returning it.
  • A $14,000 car in today’s market is rare.
  • Great for commuting or as a second car.
• Volkswagen ID.4 lease deal
  • $149/month lease with 0% APR.
  • No gas costs if you can charge at home.
  • No depreciation worries—just return it after the lease.

🔹 Why consider an EV as a second or third car?

• Lower fuel costs.
• Less depreciation impact on your main vehicle.
• A practical option for short trips, errands, or a student’s car.
• Traditional gas cars and used cars are often much more expensive.

🔹 The financial breakdown

• New Toyota Corolla or Honda Civic: $25,000–$30,000.
• Monthly payment: $500+ for a gas-powered car.
• Used cars are still pricey at $20,000+.
• A $14,000 Tesla or a $149 lease looks like a great deal in comparison.

🔹 Final thoughts

• EVs may not be for everyone, but these deals make financial sense.
• As a secondary vehicle, they can save money and reduce wear on your primary car.
• Do you think EVs are worth considering, or are they just overhyped?

💬 Let us know your thoughts in the comments!

🔹 Need expert advice?

• Book a one-on-one consultation at ActualHuman.com.
• Get guidance from licensed experts in insurance, real estate, business, and more.

🎧 Thanks for tuning in! See you on the next episode.