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Broken and unreliable EV chargers become a business opportunity for L.A.'s ChargerHelp

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Broken and unreliable EV chargers become a business opportunity for L.A.'s ChargerHelp

Right place, right time, with an eye for opportunity, a commitment to economic growth for all, and a will to get things done. That’s entrepreneur Kameale Terry, co-founder of ChargerHelp, a Los Angeles startup.

She’s tackling a modern problem — the sorry state of electric vehicle public charging stations — while training an often-overlooked workforce for jobs in a growing sector of the economy.

Aggressive and impactful reporting on climate change, the environment, health and science.

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Billions of dollars are flowing into building out a national EV charging network, with billions more in California. Outside of Tesla’s supercharging network, however, the equipment deployed by several charging companies has proven unreliable, with more than 20% of chargers overall out of order at a given time.

Without reliable public chargers, persuading people to buy EVs to fight climate change and cut pollution will be tougher.

Charger companies say they’re working hard to fix the reliability problem, boosting their own repair and maintenance capabilities, doing more training, and turning to third-party companies like ChargerHelp.

The charger sector is overflowing with young companies hoping to score in a fast-growing market. ChargerHelp, with $21 million in venture capital funding, has developed software programs for charger maintenance and repair. Unlike many competitors, the company also trains workers for network operations and field repair, with a focus on people and communities long overlooked during earlier periods of economic and technological change.

ChargerHelp “is creating great jobs, with an orientation on general and racial diversity,” said David Epstein, chief executive at Unreasonable Group, which links startup companies with investors. But ChargerHelp isn’t just a do-gooder organization, he said. “They have a great business model from a cash flow perspective.”

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Like many entrepreneurs in what’s come to be called “cleantech,” the opportunities came somewhat as a surprise. Terry’s story counts as an example of good luck favoring the prepared mind.

She grew up in South L.A. Her large family put strong weight on commitment and hard work. It paid off. She’s risen quickly in any organization she’s become part of. Motivated by the idea of financial success, she took a job with a bank near Philadelphia. Starting out as a part-time teller and ending up as a business-bank manager.

She loved Philly. “One of the greatest things is that there are so many black people,” she said on the Founders Unfound podcast not long after ChargerHelp was founded in 2019. She visited her cousin Ray who worked in Washington, D.C., on Capitol Hill. “Everybody was like a geek, and it was wild to see black wealth concentrated in such a way,” she said. It was inspiring.

Her mother’s recurring cancer brought her back to L.A. in 2016. Saving her energy for caretaking, she took relatively easy job handling customer support calls at EV Connect, a small company that makes software for charging stations. Before long, the growing company asked her to set up a call center and customer experience department.

“The charging stations would just be having these wonky issues,” she said. At the time, charger companies depended heavily on expensive electricians to fix what turned out to be software issues, on equipment for which they were not trained. There was, practically speaking, little awareness of the need for a job called “electric charger technician.”

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“It would be super cool to have a workforce who wants to do that,” she said.

She left to work as a consultant to Los Angeles Cleantech Incubator. Its chief executive, Matt Petersen, encouraged her to start a company to train and hire people who could provide technical services to the charging industry. Her first contract was with Southern California Edison to work on electric school bus chargers. The company blasted off from there.

Terry “is a superstar who is able to share a vision for people to rally around and make things happen,” Petersen said. “Her story and Evette’s story is a hero’s journey for us.”

Evette is Evette Ellis, a workforce development expert Terry met at LACI and with whom she felt an immediate rapport. After watching Ellis in action, Terry brought her on at ChargerHelp, and was so impressed she made Ellis a company co-founder.

ChargerHelp’s founders are Southern California natives — Evette Ellis, left, grew up in Compton and Kameale Terry in South L.A.

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(Michael Blackshire / Los Angeles Times)

Ellis, who grew up in Compton, wasn’t sure at first. “These clean science-y white folks are good people, and they’re going to save the world, but I didn’t necessarily see myself in that space.”

But she fit right in. In the podcast interview, Terry said that executives in cleantech “talk about equity a lot, and that’s really cool to be part of.”

As a young teenager, Ellis recalls, she watched a woman behind the counter at a pool park daycare center who was obviously in charge and told other people what to do. “That was my first introduction to the idea that there’s work, and then there’s the people that provide the job.” She asked to be hired and by the end of the summer had became a program coordinator.

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Ellis earned her job-training chops at the federal Department of Labor’s Job Corps program, whose historic mission is training people who don’t plan to go to college for jobs in the trades. Like Terry, she joined LACI as a consultant.

At ChargerHelp, Ellis set about creating a certified training program for charger technicians, working closely with SAE International, the standards-setting organization for the motor vehicle industry. Training takes roughly six weeks before field deployment.

Beyond the technical material, Ellis emphasizes the importance of attitude. Graduating from a training program into a new job is a major step that not only affects the newly employed but future grads as well. “If you’re not giving it your all, you really are burning a huge bridge,” she says.

A field technician needn’t know software code to do the work. What’s needed is a basic understanding of how electricity works, how EV chargers work, how electric vehicles work, how to handle software programs on a computer or smartphone in concert with remote experts at a network operations center. Federal government certified safety training is an important part of the program, Ellis said.

The kind of job ChargerHelp trains for — combining familiarity with computer software, basic knowledge in electricity and electronics, and a reasonable degree of manual dexterity — will become increasingly common as software continues to infiltrate hardware in everyday life, from Ring doorbells to personal robots to apps on a car’s dashboard screen.

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High school grads can do it; so can those who graduate from college but may be lacking skills that match what employers are looking for.

Heaven Holmes of Fresno graduated from Cal State Dominguez Hills in psychology and criminal justice last year and was back home job hunting when her mother saw Terry being interviewed by local TV news. Her mom said “there’s an African American woman on TV hiring here.” Something about charger repair. Holmes applied, got trained, and became a technician at ChargerHelp.

“I didn’t know what to expect, but I’m curious and I’m always going to want to gain more knowledge,” she said. Every day is a new challenge, she said.

She’s happy to be in an industry with a future and a chance to move up the ladder. “The world is changing, and these jobs aren’t as low profile as you’d think. People are excited when they see a charger that’s been broken down for months is working.”

EV charger field technicians earn $20 to $60 an hour, concentrated in the $35 to $40 range. Certified electricians make even more. So far, ChargerHelp has trained 1,000 workers and recently began a program to train the trainers for other companies and workforce development organizations.

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ChargerHelp, of course, is far from the only company developing charger software and training workers to use it. Charging network companies such as Flo, ChargePoint, and Electrify America are expanding training programs of their own.

So are charger manufacturers, including ABM. “It’s important to build awareness around the trades in general across America,” said Mark Hawkinson, ABM’s president of technical solutions. “We’re seeing a depletion of skill sets on how to maintain critical infrastructure. Our schools don’t teach shop anymore. We need to get back to those basics.”

Even companies that have relied for decades on fossil fuel dispensation have been moving swiftly into electric vehicle charging, including gas pump installer and maintainer Owl Services. “We’ve seen an uptick in the call for technicians, particularly in the Los Angeles market,” said Owl vice president Dave Patrick. L.A. represents “the highest growth potential” for the company right now.

Marcus Glenn of Detroit was recently trained by ChargePoint but is keeping his options open. He was employed at an automobile heating and air conditioning supplier when he signed up to learn about charger repair. He successfully finished the course but is sticking with his current job — for now. The auto industry is undergoing drastic change, and layoffs are constant threat. Glenn likes knowing he’s prepared for the future. “It’s nice to have some form of stability. I’ll be looking for those opportunities and see where this leads.”

He recommends the move to others. “If you’re curious about it, be a curious cat. Go find out. There’s a lot of ways to get into this industry. There is always going to be work.”

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Courts rejects bid to beef up policies issued by California’s home insurer of last resort

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Courts rejects bid to beef up policies issued by California’s home insurer of last resort

Retired nurse Nancy Reed has been through the ringer trying to get insurance for her home next to a San Diego County nature preserve.

First, she was dropped by her longtime carrier and forced onto the state’s insurer of last resort, the California FAIR Plan, which offers basic fire policies — something thousands of residents have experienced at the hands of fire-leery insurance companies.

But what she didn’t expect was how hard it would be to find the extra coverage she needed to augment her FAIR Plan policy, which doesn’t cover common perils such as water damage or liability if someone is injured on a property.

She secured the “difference-in-conditions” policies from two insurers, only to be dropped by both before finally finding another for her Escondido home.

“I’ve lived in this house for 25 years, and I went from a very fair price to ‘we’re not insuring you anymore’ — and I’ve had three different difference-in-conditions policies,” said Reed, 71, who is paying about $2,000 for 12 months of the extra coverage. “And I’m holding my breath to see if I will be renewed next year.”

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Now, a Department of Insurance regulation that would have required the FAIR plan to offer that additional coverage has been blocked by a state appeals court — leaving the plan’s customers to find that insurance in a market widely considered dysfunctional.

The court ruled earlier this month that the order would have forced the plan to offer liability insurance, which was not the intent of the Legislature when it established the plan in 1968 to offer essential insurance for those who couldn’t get it.

“We appreciate that the court confirmed the California FAIR Plan is designed and intended to operate as California’s insurer of last resort, providing basic property coverage when it cannot be obtained in the voluntary market,” said spokesperson Hilary McLean.

Insurance Commissioner Ricardo Lara said he is “looking at all available options” following the decision. “I’ve been fighting so people can have access to all of the coverage the FAIR Plan is required by law to provide,” he said in a statement.

Lara has faced criticism from consumer advocates who’ve called for his resignation over his response to the state’s ongoing property insurance crisis.

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A FAIR Plan policy covers fires, lightning, smoke damage and internal explosions, as well as vandalism and some other hazards at an additional cost. But in addition to water damage and liability protection, it doesn’t cover such common perils as theft and the damage caused by trees falling on a house.

The demand for the additional coverage — commonly referred to as a “wrap-around” policy — has become even greater than in 2021 when Lara issued the order overturned on appeal.

The FAIR Plan at the time had about 160,000 active dwelling policies following a series of catastrophic wildfires, including the 2018 fire that nearly destroyed the mountain town of Paradise. By September, that number had grown to 646,000.

The insurance department lists less than two dozen companies that offer wrap-around policies, including major California home insurers such as Mercury and Farmers and a a number of smaller carriers.

Broker Dina Smith said that to find the coverage for her home insurance clients she needs to place about 90% of them with carriers not regulated by the state — with the combined coverage typically costing at least twice as much as a regular policy.

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“The [market] is very limited,” said Smith, a managing director at Gallagher.

Safeco has not written California wrap-around coverage since the beginning of the year and will begin non-renewing existing policies next month. Smith also said carriers are being selective, with the ones that offer the coverage often demanding exclusions, such as for certain types of water damage.

“If I’ve got a newer home with no prior claims … for liability losses, it’s going to be easy to write. If I get a home that is built in the 1950s that might still have galvanized pipes … that’s going to be a tough one,” she said.

Attorney Amy Bach, executive director of United Policyholders, a San Francisco consumer group, said the difference-in-conditions, or DIC, market is getting just as problematic for homeowners as the overall market.

“The market is not as strong as it needs to be … given how many people are in the FAIR Plan, and there aren’t as many DIC options — with the DIC companies being just as picky as the primary insurers,” she said.

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There is also confusion about the policies, she said. Her group is considering pushing for a law next year that would clearly label the coverage so consumers better understand what they are buying.

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Student Loan Borrowers in Default Could See Wages Garnished in Early 2026

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Student Loan Borrowers in Default Could See Wages Garnished in Early 2026

The Trump administration will begin to garnish the pay of student loan borrowers in January, the Department of Education said Tuesday, stepping up a repayment enforcement effort that began this year.

Beginning the week of Jan. 7, roughly 1,000 borrowers who are in default will receive notices informing them of their status, according to an email from the department. The number of notices will increase on a monthly basis.

The collection activities are “conducted only after student and parent borrowers have been provided sufficient notice and opportunity to repay their loans,” according to the email, which was unsigned.

The announcement comes as many Americans are already struggling financially, and the cost of living is top of mind. The wage garnishing could compound the effects on lower-income families contending with a stressed economy, employment concerns and health care premiums that are set to rise for millions of people.

The email did not contain any details about the nature of the garnishment, such as how much would be deducted from wages, but according to the government’s student aid website, up to 15 percent of a borrower’s take-home pay can be withheld. The government typically directs employers to withhold a certain amount, similar to a payroll tax.

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A borrower should be sent a notice of the government’s intent 30 days before the seizure begins, according to the website, StudentAid.gov.

The administration ended a five-year reprieve on student loan repayments in May, paving the way for forced collections — meaning tax refunds and other federal payments, like Social Security, could be withheld and applied toward debt payments.

That move ushered in the end of pandemic-era relief that began in March 2020, when payments were paused. More than 9 percent of total student debt reported between July and September was more than 90 days delinquent or in default, according to the Federal Reserve Bank of New York. In April, only one-third of the 38 million Americans who owed money for college or graduate school and should have been making payments actually were, according to government data.

“It’s going to be more painful as you move down the income distribution,” said Michael Roberts, a professor of finance at the Wharton School at the University of Pennsylvania. But, he added, borrowers have to contend with the fact that they did take out money, even as government policies allowed many to put the loans at the back of their minds.

After several extensions by the Biden administration, payments resumed in October 2023, but borrowers were not penalized for defaulting until last year. About five million borrowers are in default, and millions more are expected to be close to missing payments.

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The government had signaled this year that it would send notices that could lead to the garnishing of a portion of a borrower’s paycheck. Being in collections and in default can damage credit scores.

The government garnished wages before the pandemic pause, said Betsy Mayotte, president of the Institute of Student Loan Advisors, which provides free advice for borrowers. But the 2020 collections pause was the first she was aware of, she said, and that may make the deductions more shocking for people who have not had to pay for years.

“There’s a lot of defaulted borrowers that think that there was a mistake made somewhere along the line, or the Department of Education forgot about them,” Ms. Mayotte said. “I think this is going to catch a lot of them off guard.”

The first day after a missed payment, a loan becomes delinquent. After a certain amount of time in delinquency, usually 270 days, the loan is considered in default — the kind of loan determines the time period. If someone defaults on a federal student loan, the entire balance becomes due immediately. Then the loan holder can begin collections, including on wages.

But there are options to reorganize the defaulted loans, including consolidation or rehabilitation, which requires making a certain number of consecutive payments determined by the holder.

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Often, people who default on debt owe the smallest amounts, said Constantine Yannelis, an economics professor at the University of Cambridge who researches U.S. student loans.

“They’re often dropouts or they went to two-year, for-profit colleges, and people who spent many, many years in schools, like doctors or lawyers, have very low default rates,” he said.

This year, millions of borrowers saw their credit scores drop after the pause on penalties was lifted. If someone does not earn an income, the government can take the person to court. But, practically speaking, a borrower’s credit score will plummet.

Dr. Yannelis added that a common reason people default was that they were not aware of the repayment options. There are plans that allow borrowers to pay 10 percent of their income rather than having 15 percent garnished, for example.

The whiplash policy changes around the time of the pandemic were “a terrible thing from a borrower-welfare perspective,” Dr. Yannelis said. “Policy uncertainty is really terrible for borrowers.”

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Kevin Costner’s western ‘Horizon’ faces more claims of unpaid fees

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Kevin Costner’s western ‘Horizon’ faces more claims of unpaid fees

In the midst of attempting to complete filming on his western anthology ”Horizon: An American Saga,” Kevin Costner is facing another legal dispute over the production.

On Monday, Western Costume Co. sued Costner and the production companies behind the epic western, claiming unpaid costume fees and damages to some of the clothing during the filming of the series’ second episode.

“The costumes are costly to replace if damaged or not returned,” states the complaint, which included copies of invoices for about $134,000 in costume rentals. “Without a reasonable basis for doing so and/or with reckless regard to the consequences, defendants failed to pay for the rented costumes and failed to return the costumes undamaged.”

Western Costume, the iconic business based in North Hollywood, is seeking to recover roughly $440,000, including legal fees, according to the lawsuit filed Monday in Los Angeles Superior Court.

A spokesperson for Costner did not immediately respond to a request for comment.

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The lawsuit is the latest in a series of legal and financial problems that have dogged the sprawling western drama, which Costner directed, co-wrote, starred in and partially funded.

In May, United Costume Corp., sued the production, claiming $350,000 in unpaid fees for the first two chapters of “Horizon.” Two months later, the costume firm filed to dismiss the suit with prejudice.

In May, Devyn LaBella, a stunt performer on “Chapter 2,” sued the production for sexual discrimination, harassment and retaliation in Los Angeles Superior Court. LaBella alleged an unscripted rape scene was filmed without the presence of a contractually mandated intimacy coordinator.

In a motion filed in August to get the suit tossed, Costner said he had reviewed LaBella’s complaint and was “shocked at the false and misleading allegations she was making.”

In October, a Los Angeles Superior Court judge denied Costner’s anti-SLAPP motion to dismiss the case. The judge also denied LaBella’s claim that Costner had interfered with her civil rights through the use of intimidation or coercion with respect to her participation in the filming of a rape scene, but allowed several of her other claims to proceed.

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The case is pending.

The production is also facing an arbitration claim for alleged breaches in its co-financing agreement with its distributor New Line Cinema and City National Bank, “Horizon” bondholder, according to the Hollywood Reporter.

In June 2024, “Chapter 1” of the planned four-part series was released in theaters followed by a streaming broadcast on HBO Max, but it was largely panned by critics.

In its review, The Times described “Horizon” as “a massive boondoggle, a misguided and excruciatingly tedious cinematic experience.”

It failed at the box office, grossing just $38.8 million worldwide, on a reported $100 million budget.

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“Chapter 2” premiered at the Venice International Film Festival last September, but its theatrical release was pulled and remains indefinitely delayed, while the final two chapters remain in production or development, according to IMDb.

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