This publication is an abstract
of a supplement
titled "True Christian Finance" to copyright TX-4-498-218
("Preowned Auto Leasing System") in compliance with circular 8 of
the USA Copyright Office. Written in prose with interactive
automation, the intent of this international top level domain is to
define and distribute my assets & technology to
people at all levels of society so they too can become self-funded
without lines of credit, investment, debt, hassle nor delay.
My reason for this giving is because the value of my R&D stock
certificates grows fractionally as the use of the True Christian
Finance (TCF) engine spreads across the nation.
This coin was minted 105 BC for Legion X depicting a Teutonic steam
drive.
Regenerative-finance originated in the 16th century BC to "grow" the
fleets of galleons and corvettes to establish and protect world
trade, a.k.a. Liga Teutonica. The creation of
self-funding contracts began in the 2nd century BC when the
regenerative-finance principles were refined by Mercurius Kimbrianus
to equip and deploy the coast guard corvettes with Teutonic turbine
power engines, fuel and simultaneously create phenomenal
monetary gains for everyone – without a cost to anyone.
VARIABLES:
Producer:
OperationNo:
Description:
Solution4:
SBLrate:
CEVpercent:
LBSportion:
LBSfee:
CTerm:
MoInRound:
CEV:
AmortMo:
CEVfee:
StaticMoPays:
TotalMoCost:
PurchPrice:
LessorIfee:
RAIfee:
RAMfee:
SAIfee:
DOMIfee:
DAIfee:
ContractGain:
Ccost:
LocationGain:
Lcost:
PhysGain1:
P1cost:
PhysGain2:
P2cost:
PhysGain3:
P3cost:
TotalGains:
TGcost:
TimeFrame:
ESPvalue:
Shares2escrow:
QUESTIONS:
Rate of Gain (Gain %)
-
LEV
Capital Cost
Monthly Payment
Multiplication of Money
Self-Finding Payment Deposit
Disbursements
The cash output is:
-
a flat fee at inception of each contract
paid from the capital cost to:
-
the Virtual Fleet & Lease Office franchisee (a.k.a. lessor,
VFLO owner/operator),
-
lessor's agent, Research Analyst
(and subordinates, plus monthly monitoring fee),
-
lessor's agent, Senior Analyst,
-
lessor's Daily Operations Manager
(optional for cause),
-
delivering dealership
-
unbound use of the improved
motor-vehicle for the operator without period payment 'cept
fuel...,
-
exponential cash gains for the project
provider(s),
-
guaranteed periodic cash gains for the
buyer of securitized contract(s),
-
guaranteed periodic fee to the
liquefiers and end-of-term payoff,
-
and the integral securities are returned
at the end of each contract with an elevated-value.
( Vehicle Cost x (1 + Gain %)
^
rounds of securitization ) - Vehicle Cost =
Total Gains ( 5,000,000 x 1.4473
^ 6 ) -
$5,000,000 = $40,953,794 (gain in 1-year 819%)
amount of the guarantor's deposit = ((total periodic-expense
x periods in the round) ÷ net-gain %) x (1 + (liquefaction % ÷
rounds per year)) ($585 x 2 ÷ 0.3750) x 1.0042 = $3133.10
In example,
deposit = ((total periodic-payment x periods in the round) ÷
net-gain % ) $(449 + 108 + 10 + 10 + 8) = $585
= total monthly expense x 2 months in each round = 1170 ÷ 0.3750 =
$3120 deposit
PRINCIPLES:
capitalized amount x (1 +
added-value %)
^
rounds of securitization - capital equipment cost =
gains (5,000,000 x 1.4473 ^ 6 -
$5,000,000 = $40,953,794 (gain in 1-year 819%)
( capital cost -
contract end value ) ÷ contract term + ( contract end value x liquefaction
factor ) = periodic lease payment
capital equipment cost x (1 +
added-value %)
^
rounds of MSPT securitization - capital equipment cost =
gains (5,000,000 x 1.4473 ^ 6 -
$5,000,000 = $40,953,794 (gain in 1-year 819%)
And the formula for self-funding each vehicle:
MSPT deposit = ( (periodic-payment x periods in
the round) ÷ added-value % ) x added-value % ÷ 2
= constant yield of periodic-payment ( (350 x 2) ÷ 0.4473 ) x 0.4473 ÷ 2 = 350 yield each month
are really very simple equations; the technology and
procedures for calculating the elements are ultra-complex-event-processors.
Formula for Multiplication of Money:
( capital equipment cost x (1 +
added-value-factor)
^
rounds of MSPT portfolio securitization ) - capital equipment cost =
gains ( 5,000,000 x 1.4473
^ 6 ) -
$5,000,000 = $40,953,794 (gain in 1-year 819%)
The initial factor can never go down,
but increases significantly with more additions to the leased-property
during the term. Here is
the formula:
In example, sustained, during the life of each lease
in initial which also damages the
funders,
money
funded,
This is done by attaching an
orthodox operating-lease
to each vehicle in the portfolio, which creates the structure for
adding value. AT A SPECIFIC OR HIGHER GROWTH RATE..
( initial capital cost x (1 + net
gain rate ) ^ rounds ) - initial capital cost = provider's gains in cash +
n vehicles
( $5,000,000 x 1.375 ^ 6 ) -
$5,000,000 = $28,789,845 + 4,354 vehicles provided 1-yr
Make this total gains divided. Owner income, Lessors, delivery agent, ra, sa,
dom, Administrators, Stockholders (CFI) formula Community - cash on the
barrelhead business.
TCF is all about eliminating
losses, costs, and liabilities while making TCF vehicles more useful and
valuable to create the gains. Instead of charging interest and holding
a debt over consumers, a much better margin is created by enhancing the
value of the contracts and making physical upgrades to
the vehicles to eliminate the debt as reflected in the TCF monthly payment formula:
( capitalized
cost ÷ contract term ) = payment (month)
( $41,250.00 ÷
60 ) = $687.50
( capital
cost - contract end value ) ÷ contract term + ( contract end
value x liquefaction factor ) = base payment (month)
( ( $41,250.00 - $17,875.00 ) ÷
60 ) + ( $17,875.00 x .002083) = $427
Make this with, without cev...Add static amounts to payments.
Further, there is no possibility of loss of
any kind to the executive-providers, liquefiers, governing
bodies, or anyone who purchases discounted TCF contracts because of
the autonomous payment formula:
( periodic
payment x number of periods in one round ) ÷ net gain rate = guarantor's
deposit = ( periodic payment x term )
( $427
x 2 ) ÷ 0.375 = $2,277.33 replaces $25,620 payments over 60 months
-
-
( initial capital cost x (1 + net
gain rate ) ^ rounds ) - initial s-b loan principle =
executive-production gains (end revenue) + n vehicles
|
Unit |
Account |
Portfolio |
Trust |
Gains Rate |
|
|
|
|
Owners % |
|
|
|
|
Net Gains Rate |
|
|
|
|
GR - DR = NGR for unit / account / portfolio / trust
/ so UGR UDR UNGR | AGR ADR ANDR | PGR PDR PNDR | TGR TDR TNGR
Add all growths employee's + income, liquefiers,
owners, community, especially securities growth - sharing how it feeds into
the private sector growth for businesses and their owners. law enforcement
on the general ledger, borrowing against assets - first establish the
mechanism and trust and the principles engineer,
Lease Owners' Annuity (Due):
( initial capital cost x (1 + net
gain rate ) ^ rounds ) - initial capital cost = gains in cash +
n vehicles
( $5,000,000 x 1.375 ^ 6 ) -
$5,000,000 = $28,789,845 + 4,354 vehicles provided
Self-Funding Formula for one vehicle:
( periodic
payment x number of periods in one round ) ÷ net gain rate = guarantor's
deposit = ( $n payment x term )
( $427
x 2 ) ÷ 0.375 = $2,277.33 replaces $25,620 payments over 60 months
Christian Finance Operating-Lease Formulation:
( capitalized
cost - contract end value ) ÷ contract term + ( contract end
value x liquefier's periodic rate ) = base payment (month)
( ( $41,250.00 - $17,875.00 ) ÷
60 ) + ( $17,875.00 x .002083) = $427
Ecocentric (capital equipm ent cost - contract vehicle-end-value) ÷ contract-term
= periodic reduction amount (of principal balance)
(30,000 - 19,500) ÷ 60 = 175
periodic amortization
capital-cost at
origination - (periodic amortization x expired periods) = principal balance
30,000 - (175 x 27) = 25,275 principal
balance after 27 monthsPortfolio Owners' Pay-Out Formulas:>
As the PAL owners/controllers†, you effectively pay yourself each period from revenue
already in the guarantor's column of the portfolio. This is a
mistake-proof, fully automated computer process you monitor and
control. All payments
are net EBT.
( - - - - - - ) =
All (lease fees) are level-yield constant gains paid every period.[
even though the balance declines...]
IniInitial cap cost x (APY ÷ 12) =
Part of the gains made by adding value, shown as an annual
percentage yield APY...
( - ) ÷ = pan>
capital-cost at
origination - (periodic amortization x expired periods) = principal balance
30,000 - (175 x 27) = 25,275 principal
balance after 27 months
Molecularity of the origination-portfolios (inside the PAL Owners
Trust & Escrow Company) permits anyone and everyone to benefit evenly
from self-funding operations in compliance with all laws.
The equation for automatic payment for the operator (lessee) is really
very simple. A fraction of the financed-amount (aka
capitalized-cost) is placed in a
value-building origination-portfolio that consistently earns the
amount of the periodic-payment before it is due through
monetary-multiplication, which is value-building explained next
section.
(periodic-payment x periods in
the round) ÷ build-rate = fractional-deposit (350 x 2) ÷ 0.4473 = 1566
If each round takes two months to create and securitize; if the
monthly payment is $350; and if the multiplication-rate is 144.73%;
the build-rate (added-value-rate) is 44.73%:
(350 x 2) ÷ 0.4473 = 1566
Therefore, adding $1,566 to the amount-financed at the start of the
operating-lease, then moving that
amount to an origination-portfolio, pays the $350 payment on time for the
duration of the contract. The fractional-deposit remains in
origination portfolio until
the end, or early termination. Then it is applied according
based on the
operator's decisions at the time. Voila!
You have your car and your money, too. Now what good are you
going to do?
-
The periodic-payment &
fractional-deposit may also include the cost of the whole
operation: manpower, fuel, maintenance, management, insurance,
licensing, garage, etcetera for total cost-free
driving/operating without debt.
-
Any number of assets can be obtained by
an individual, a household, or business for a planned-operation.
In example, an individual household may want/need (and will
regularly use) a sports car, family car, pickup truck, boat,
motorcycle, and a dirt bike.
-
A business or government agency
operation may include an assembly-line, a commercial kitchen,
farm equipment, aircraft, medical devices, rental fleet, police
cars, operator-training and/or
mobile-office vehicles – you name
it.
-
If the operation is, "We need a bigger
family vehicle with seven seatbelts because our family is
growing from five to six people." An additional
fractional-deposit may be made into the PAL
origination-portfolio to pay for the child's education and
welfare: In example: $1 fractional-deposit at birth generates
$5,990,404 by age seven (84 months) if no debits are drawn.
At that point the child's account is moved to an
ownership-portfolio which pays $19,968 per month, which is 4%
APR, for example.
Close Self-Funding Formula Insert
MULTIPLICATION OF MONEY:
Monetary multiplier basic formula:
capital equipment cost x (1 + value-added-rate) ^
number of securitizations in year = originators' annual gross income;
minus capital equipment cost = originators' annual earning before
taxation...
Example:
$5,000,000 x (1 + 0.4473) ^
6 = $45,953,794; - $5,000,000 = $40,953,794; gain = 819%
Monetary value can be added financially, logistically, externally,
by improving the condition, with functionality, and/or by property-improvements (up-fits & conversions), as long as the values are real and sustained.
Adding
value today is not only prosperous, it is a lot of fun. And,
building value today has never been easier than at any other point
in history. The molecular structure of the PAL contracts
allows for additions, subtractions, extensions, transfers and
changes to terms and conditions throughout the period of use.
This insures the
multiplication efficiency and meets the ever-changing needs of the
operators.
Financial Additions:
Attaching the orthodox operating-lease contract to a vehicle creates
the structure for building (and subtracting) other values throughout
the lease period. Plus it adds the
first value:
the total of payments during the contract term minus anticipated-contract-expenses
(depreciation, periodic service fees, the lease-owner's-fee...
may include fixed monthly amounts
like tax, insurance, housing, etc collected inside the payment)
equals added-value
So, for a common Christian lease, if the initial cost is $30,000;
the monthly depreciation = $175; the service fee is $25 month; the
lease-owner's fee is $75; and the monthly payment is $350 on a contract-term
of five years:
350 x 60 = 21,000 minus (175 + 25 + 75) x 60 = 16,500
equals 4,500 added value
Therefore, a $30,000 vehicle-lease pays back $34,500 (within ≈
2-months) to the trust-fund that was specially set up to procure the
leased vehicles. That is an increase equal to 15% of the initial
capitalized-cost. NOTE:
When the
portfolio containing this example lease is securitized $34,500 is available to originate
more vehicles and equipment for another round of securitization
in approximately another two-months. On and on:
30,000 x 1.15 = 34,500 x 1.15 = 39,675 x 1.15 = 45,626 x 1.15 =
52,470 x 1.15 = 60,341 x 1.15 = 69,392 x 1.15 = 79,801 x 1.15 =
91,771 x 1.15 = 105,536 $503,575
34,500 x 1.15 =
As each origination-portfolio is securitized bimonthly,
In addition to intrinsic values like fluidity, sustainability
and freedom, the 15% addition will apply to every other
added-value to the vehicle throughout its lease.
-
longer contract terms automatically generate
substantially higher amounts up front at the beginning of the
operation when money is most useful. In example
-
a contract term of 78 months
(6.5 yrs) generates $9,000, a build rate of 30%
-
a contract term of 96
months (8 yrs) makes $13,500 in the beginning, upon
securitization with the same payment and structure.
-
Since PAL Christian
leases allow multiple lease-transfers at any the point without
changing the title or contract obligations (other than adjustments
for the next-driver's mileage for example) no operator or driver
will ever be stuck in a vehicle they no long want or need.
-
Considering all things, especially an
array of operator types from cash-rich to money-poor individuals
and organizations, we pre-composed seven basic
origination-portfolio types and made bridges between them:
Fleet, Prime+, Prime, Common, Preferred, Reimaged & Anticipated.
Discussed briefly here, the best understanding of their use will
come from testing your operation variables in our self-serve
sandbox under the direction of a licensed principles-engineer.
Logistic Value-Addition:
Moving a vehicle to a location where the need for it is higher can
add value to the capital cost before the lease is started without
gouging because the lease-end-value will also be higher so the
payment will be relatively the same. Higher initial cost
(capital-cost) raises origination amount proportionally while
fixed-costs (both initial and monthly) remain the same.
External Value Addition:
Extemplar University has discovered (and improved) a patent for a
machine that does not use salt or petroleum products (total
electric) to remove snow and ice from roads and bridges during
winter weather. Melted snow & ice is sucked up and removed to a
compliant storm water system. In addition to the intrinsic value of
the machines on their own self-funding contract, value is added to
every vehicle in the area because
-
no more rust or surface damage
from salt abrasion will occur adding $ trillions to the nation's
vehicles.
-
no more infrastructure deterioration,
which reeks havoc on suspension, tires and wheels, etc.
Highway taxes can be reduced or repurposed.. The cost of
maintaining and repairing roads and bridges is
Reconditioning & Restorations:
For compliance with United Nations SDG #12 (RESPONSIBLE
CONSUMPTION & PRODUCTION : Eliminate waste, hording, make
gainful use of over-production resources) the
PAL Real-time Residual Calculator© autonomously creates an accurate
lease-end-value for any motor-vehicle of any age, any condition, and
any composition. This establishes the foundation for one or more
restoration operations enabled by Christian finance. New commerce of considerable
proportion can be generated quickly from wasted or unused
motor-vehicles in the restoration and specialty
manufacturing industries.
PAL Numerology©, especially molecularity of the the trust company and
modular, level-yield, master-lease contracts (both outlined below), provides
a successive-structure for exponential multiplication of money
while providing enormous profit to the originator/operator; with or
without the self-funding mechanism attached at each stage.
Here is an example of turning trash into treasure with Christian
finance:
After value-research & parts-availability studies, the initial
lease is authorized for the capital-cost of the dilapidated
vehicle, labor and raw materials for the restoration. The
lease-end-value is contracted at 65% of the capital cost.
The initial length of the lease is set to the longest
(120-months) to maximize the multiplication of money and
minimize the monthly payment. The self-funding mechanism may be
applied.
When the restoration is complete,
the operator (aka lessee) has two options: They can keep the
restored vehicle and drive it, or the lease is rewritten
There will be two leases, The cap-cost equals the restored market price including
the cost of the restoration. Self funding is applied.
optional... U/C!
$78,000 (Restored Market Value) - $800 (Salvage Purchase
price) - $23,500 (restoration) = $53,700 (profit) = 220.99%
(multiplication-rate) = 120.99% (build-rate) +
The lessee is the operator, originator, and lessor. Christian
self-funding is applied. When complete, a decision is made to drive
for free or transfer ownership on lease to another person and
receive the planned-markup, lessors fee, and the amount of the new
origination. Rules about Christian value sharing apply, but allow
tremendous income per vehicle with no limitation on volume.
Specialty Equipment:
In 1980 when the CT Scanners were new on the market, installation in
hospitals was not only cost prohibitive, but also physically
impossible in a wide area. Hartsocks designed and built 22
mobile units fully equipped/staffed in semi tractor-trailers with
the self-funding mechanism for Indiana Mobile Scans, Inc. The cost
per patient was reduced. The first year of 8 hour days (7 per week
produced over 7,000 scans; compared to an average of less than 500
and a much higher cost in states who transported patients to a
hospital with the machine installed.
A similar application is designed today for the plasma donation
industry with vast improvements to the vehicle including EVC that
runs without charging, batteries or petrol.
added-value Functionality:
When a stylish self-funded vehicle is fully equipped
with mobile-living and/or mobile work-space equipment, it then serves
two or three functions for the operator and the community.
The value
of the Christian operating-lease is amplified by saving the cost of
fixed housing (or the cost of being homeless and dysfunctional)
and the amount of new income earned inside the unit (or the savings
of being close
to your work place in a fixed building).
Not shown: portable solar shower, screens, toilet, central vacuum,
window umbrellas, cooking cabinet, storage, roof top, tents, solar
charging panels, fans, autonomous generator, 24v-48v charging system batteries,
tint/shades, heated/cooled seats, natural mold/insecticide, rechargeable lighting, appliances, hand-tools, carpets,
planet fitness account, Lowes account, Wal-Mart card,
In addition, a vehicle can provide an exceptional income driving for
livery, delivery, policing, field-testing,
education, tourism...
Extemplar University provides high-paying externships and extremely
valuable franchises to self-funded operators, tuition-free.
Enrolled students are guaranteed full wages between $48,000 and
$410,000 per year, minus withholding taxes, as they go through and
learn forty-some relative positions. Ecops, Uni-Pol, and other
positions dealing with heritage and reclamations will be paid much,
much more. Not one job, or any task in it, causes in-person
contact, nor requires the scholar to leave their mobile workstation.
Remote education for remote business operations coupled with
financial freedom and time for growth is the only way to position
people of all ages to solve world problems like the PEXO's and SDG's
listed below in the PLANNED OPERATIONS section. Solving world
problems pays $ billions.
Mobile-living vehicles will usually have a much longer
lifespan due to the proximity of life/work/play/education
activities. Therefore they retain their value longer. Higher
retained value equals longer contracts and lower payments for
each of the stream of driver/operators during the term, and much
higher multiplication/build rates.
Close Multiplication of Money Insert
MONETARY MULTIPLICATION OF STAND ALONE EQUIPMENT:
REVERSION TO TCF FROM ANTI-CHRISTIAN CONTRACTS:
Reversion, explain catholic vs criminal lease reversion money
multipliers and
airplane back to normal... and the smash-downs already there.
for the existence of antichristian
and permanent economic repair
AUTHORIZATION:
ORIGINATION:
SECURITIZATION:
TRIPLE INDEMNIFICATION:
OPERATIONS:
aside from the self-funding securitization...
SECURITIZATION
GUARANTEES
DEFINITIONS:
WHAT IS IN THE BOX:
TIME-FRAME:
WHO IS FIRST:
WHAT IS FIRST:
OPERATIONS:
ACTORS:
CONGRESS:
CRIME:
A highly detailed pro forma is available below for the asking
regardless of amount of your participation. If your amount is less
than $25K, please divide that amount by 25K, then multiply the "IO $
Bal" result by that fraction. There are many uses for this platform
like revising a rental fleet, housing homeless w/children,
furnishing hospitals, police, or freighters with fleets, and even
community groups of households. As an example, an Owners Trust
(General) Portfolio starts with an initial primer amount of
$5,000,000
that
grows on a fixed scale to $139,277,693,605 (2,785,554
% ROI) after 30 rounds of securitization, approximately 5-years, at
PAL's factor for a lease-grade of:
If your individual originator
(IO) pledge
is:
your owner's stake is 2.00 % of the portfolio, 100,000 beneficial shares. Your cash value escalates to the power of 129.64% per round of
LBS securitization in this example, which is based on conservative average vehicle costs
and factors from the Manheim Auto Auctions, NADA & Experian:
Rounds |
Time (est.) |
Trust $ bal |
IO $ bal |
ROI |
Zero |
Initially |
$5,000,000 |
$100,000 |
100 % |
1 |
2 months |
$6,481,900 |
$129,638 |
130 % |
2 |
4 months |
$8,591,236 |
$171,825 |
172 % |
3 |
6 months |
$11,593,666 |
$231,873 |
232 % |
4 |
8 months |
$15,867,324 |
$317,346 |
317 % |
5 |
10 months |
$21,950,449 |
$439,009 |
439 % |
6 |
1 year |
$30,609,169 |
$612,183 |
612 % |
12 |
2 years |
$243,598,212 |
$4,871,964 |
4,872 % |
18 |
3 years |
$2,015,007,962 |
$40,300,159 |
40,300 % |
24 |
4 years |
$16,747,655,520 |
$334,953,110 |
334,953 % |
30 |
5 years |
$139,277,693,605 |
$2,785,553,872 |
2,785,554 % |
36 |
|
$1,158,348,446,114 |
$23,166,868,922 |
23,166,869 % |
The PAL Platform produces
only 100% FDIC-compliant securities under
technically-enforced compliance
with the trust agreement which is governed by
12 CFR 12, all
LSFI
laws, and
UCC / CISG
compliant master-lease agreements which are governed by US
Banking Laws § 303 and
SEC
Regulation AB. (See All Regulations) PAL portfolios are highly desirable and legally marketable worldwide. PAL
LBS
securities are ultra-high-yield since all contracts are true,
level-yield, closed-end, master-lease instruments. The
EBT
fixed-income
rate for (Anticipated) portfolio investors is 8% APR and their FV ROI is 172.39 % EBT. Contact us below for lease owner IRR calculations. Like originators,
LBS buyers and subsequent owners are fully protected from any loss whatsoever during the term
of every lease and disposal of every vehicle in the portfolio
regardless of vehicle, usage, lease-grade, or credit-tier.
We are not just saying you will earn money
in these amounts; We guarantee it with
our cashable
R&D stock in
your escrow.
PAL's "praetorian
style" lock box immediately pays the originators +/or lease owners
at the threshold of any default, delayed payment, residual value
error or catastrophic loss... any monetary loss whatsoever.
Along with the customary chattel lease paper and insurances, we
maintain cash in the Trust's escrow equal to or
greater than three (3)
monthly payments for the entire active portfolio; plus an amount equal to
three (3%) to ten
percent (10%) of the total of residual values; and we maintain an
amount of our enterprise stock equal to the principal balance of the
entire portfolio in escrow. Losses are absorbed
and either made into new profit or litigated by
the PAL Platform© lessor who created the lease.
The oversight funds are then replenished.
Lease Creation, Transfers, Re-Leasing & Re-Marketing
Circle
180° from dealership leasing, PAL lessors are 100% go-to-marketers on Internet
since our founders worked with the creation of the Millennium Digital Commerce Act and the creation of
Courts.Gov in the mid '90's. More than blasting email and dropping
off vehicles, the PAL system© is a time-stamped rule-set of
"asset-id-numbers" that create leases with military precision seek n
sell campaigns©. Every auto and lease are numbered of course, but so
is every added/subtracted item, auction, consumer, staff member, pay
& rate participation, geography, and source of funding... thus
establishing an indelible footprint inside the campaign for multiple
monetary purposes starting with the end result – where the vehicle is going at lease termination, early or scheduled.
A campaign commences with deep-dive research on the quality and
quantity of target vehicles at wholesale auctions (or about to
arrive) usually waves of certified off-lease units from a prior
factory incentive. Due to new vehicle sales, lease, and LBS tactics,
the same number of each model will come to market in the same month,
year after year. Census, Labor Board, and other demographics,
including the number of newly eligible drivers each day in a
qualified area, define the target market. Before the campaign
is launched, the Research & Senior Analysts become foremost experts
on the model and market. Their knowledge expands throughout each
campaign, which lasts for years, even decades, in parallel to its
LBS portfolio funding.
When a lessee wants or needs to trade vehicles, or a default occurs,
the footprint automatically routes the ticket to the original lessor
(team) since they have the intimate, eminent market and inventory
knowledge, rights to the new profit and sustained rate income, as
well as the economic tie to the LBS portfolio along with an inherent
responsibility to the originators to make it grow. Orthodox
PAL lease structures enable and encourage multiple lease assumptions
while eliminating contingent liability and future responsibility
from the original lessee. Within this methodology, the PAL VFLO© engines' fuel is
their exhaust.
High granular solvency of each PAL portfolio is established from the
beginning by eliminating $1,000's in the merchandising and marketing
steps, then sustained by constant-yield amortization structures and
consistent awareness of changes to the drivers' habits; while the
risks of default and the losses of prepayment on early termination
are reduced to a time-element with the ingredients for a resolution
in hand and quick cash payments in the meantime.
Since PAL lessors also
participate in fixed monthly rate income, an arena is created where
solving each problem is an
opportunity for additional leasing profit while sustaining the original
lease. This is accomplished through a legal lease transfer in most cases, or adjusting the
terms of the master-lease in others. While PAL
does not
guarantee payment of the remaining lease-fees on an early
termination, we do offer first right of refusal to the lease owner on both the new lease
vehicle for the original driver and a subsequent lease for a new
driver on the original vehicle. Thus, the liability of losses, and
importantly the risks of prepayment, are mitigated at
an exponential profit along with great customer and franchisee
satisfaction.
PAL originators and
lease owners are also insulated from bankruptcies, legal
aggression, severable pension and vicarious liability claims,
consumer fraud, employee theft, and/or unfair competition by PAL's
cyber-crime software and services,
ten intrinsic tech-protectors &
seven extrinsic elements, and by the inherent direct
leasing dynamics, like extra-high granular solvency.
Intrinsic Protection
Preowned vehicle leasing, a
core component of the US economy, has been obscure and disabled for
many years. The essential technology© that creates your LBS is
protected by US copyright, franchise laws, global publication and
its exclusive existence. Only PAL can enable preowned auto
leasing and LBS securitization. A would-be competitor's attempt to duplicate our technology©
would then be an illegal organization subject to dissolution.
For the first time in
history, anyone (whether they are a dealer, works for one, or not) can lease any year, make, or model
qualified used motor-vehicle,
with or without an electric vehicle conversion, directly
to individuals, all types of businesses, municipalities, and
governments online with our
Virtual Fleet & Lease Office© franchise.
Past UVL leasing was limited to a few light-duty, current to
4-yr-old models on shorter terms and based solely on the ALG
residual guide book. That "standard" has not been copyrighted since 2006, is
100% faulty, and often fraudulent. Our Real-Time Residual
Value Calculators are the only
on earth with accuracy guaranteed in cash upon error at early or scheduled termination. With no viable competition in the used leasing arena, setting residuals properly is no longer a political football game.
PAL's enterprise value is
substantial,
and the cost to the consumer of the oversight funds are negligible,
because this platform creates consumer savings of around 60%. Only PAL lessees
can trade at will and avoid the higher costs of maintenance and
repairs. Nonperforming and single-minded parties, along
with their costs and waste, are eliminated from the equation while
four sources of income
are enabled
instead of just one.
Unlike
captive new-vehicle leasing, all PAL leases are true, level-yield
amortization, master-leases with a fair early-termination payoff and
a full, legal lease-assumption clause that can be executed multiple
times. Coupled with the rigorous vehicle acquisition software©, our
unique real-time residual value calculators, and the Virtual Fleet &
Lease Office© (lessors) pay plan, this orthodox
structure creates granular solvency and preempts losses from prepayment while affording
maximum flexibility and the absolute lowest cost to consumers as they
navigate changes to their driving habits during the economic crises. To
enable and administer these
interactions, we built and support
Auto
Lease Auctions a unique 3-way bidding, wholesale and retail,
peer-to-peer marketplace.
ACCOUNTING AUTOMATION: The
PAL True Car Cost© module is fully automated for all payment
functions from the purchase of the vehicles to payroll and
remarketing of off-lease vehicles. The system issues sight drafts
when all the criteria for buying a leased-car are met. In addition: 1) PAL's
general ledger is duplicated in our commercial bank with a separate
number for each account, including each originator, 2) Manheim Auto Auction financial services, guarantees, and policies fare a rigid
form of accounting integrated into the PAL Platform©, 3) We use SmartCash® at SmartAuction®, both part of the Ally Bank Dealer Network, which fits nicely with
our online remote lease long-distance deliveries, local installation of EVC's, and help with off-lease vehicle disposals. There is no room for errors
or subversion. Audits are always available because reports are
made in real-time as revenues are received and payments are made
under government observance and regulation.
Activity is logged in each Originator's Queue with percentile
accounting available for your review and self-governance 24/7.
HUMAN CAPITAL: Your wealth
comes from distribution of knowledge on a case-by-case basis.
Much better than depending on auto dealership sales staff, who have
conflicts of interest, VFLO©
enables mass remote employment of non typical personnel for the
sole purpose of practical application of orthodox used vehicle leasing.
Training them and protecting them grows money faster. All participants,
including buyers and lessees, sellers and lessors, are made members of the Fair Vehicle Leasing
Association, a 501c6 business league where people govern themselves [and each other] without firing
a shot, going to court or any delay. All lessors and their employees are also protected
by more powerful
university law because of their participation in our
Auto
Economics Curriculum, continuing education, legal services and
regulation administered by
Extemplar
University. People logically stick with their PAL position because it is the best life for them and economically speaking, "there is no better place for them to go."
SAVING TIME: Lessors'
advertising expense, time-per-sale, and cost of delivery have a
direct effect on the earning-power of your primer money and
the granular solvency of your LBS portfolio. Each VFLO©
franchise contains fifteen precision go-to-marketing campaigns to
wholly eliminate promotional costs and wasting time on nonevent
clientele, or under-qualified vehicles. Everything is
done and recorded online 24/7, which expands the market across the
continent. Instead of in-person, physical deliveries are made
by a network of 18,000 franchised dealers for a portion of the sales
profit. It's your money; it is spent wisely without
overworking the PAL NetWorkForce™.
PROPERTY PROTECTION:
Opposite of impersonal indirect new-vehicle-leasing, PAL
lessors are continually informed of each vehicles' condition,
mileage, upcoming maintenance, and debt/equity ratio.
Awareness Technology© includes routine auto-value reports,
lessee interaction (survey) via the monthly statement, and when
merited, like for a low-credit grade, an EVC, or a ride-share
driver, the lessor installs a Samsara econometrics reporting device
with GPS. The information is used to guide all of us to the
most perfect, the most sellable leases, minimize subtractions from escrow,
and offer the best consumer experience so they repeat business
during their driving lifetime.
SELECTIVITY: Exclusive
rights, licensing, plus twelve up-and-running programs© enable PAL
lessors to select the cream-of-the-crop lessees, vehicles, and
environments. We will not lease to people or businesses in danger of
losing their income because of the coronavirus pandemic, but we can
help a large number retool for a lucrative career in our industry.
Vehicle mileage, equipment, condition guarantees, and a fair price
close to the wholesale value are important. We buy and ship directly
from the dealer-only auctions after two independent inspections and
pay extra for a no fault return policy in case the lessee refuses
the vehicle upon delivery. Also, the environment where the vehicle
has been driven can affect the price and the depreciation schedule.
The geography where the vehicle will be driven has physical and
financial considerations. We lease only in States where tax is
charged monthly on the payment. Leasing terms, vehicle ages and
models are greatly curtailed in States that use salt to clear the
roads in the winter.
INDUSTRY PROTECTION:
PAL is offering LBS funding to groups of angels, licensed dealers &
auto auction owners to disperse control and sustain UVL commerce,
hopefully forever. Even as
the Trust grows and ownership changes hands, PAL UVL funding can not be
monopolized or contrived. Similarly, we are offering the VFLO©
franchises without an initial or monthly cost and an Ex-U college
education without tuition so they too become ingrained in our
economy.
Extrinsic Protection
The economy is round and rotates like the earth. Life, law, money
and especially auto leasing run in a circle. As a byproduct of
the auto & financial crises there are no sources for pre-owed
vehicle lease funding in the USA today. Withal, there never
will be other than PAL LBS. Whoever utilizes the PAL CIP's as
prescribed will control the single largest portion of the US economy
harmoniously with no interference and plenty of support.
Time is of the essence. PAL is here.
All programs are running as you read this, so the PAL Platform is a
today
and only
solution, which you can kick around, use it to make and save big
money simultaneously. Organic LBS cannot be
processed with new-vehicle-lease portfolios. If it could be
done under law, it would take a crew of 127-programmers +12-years to duplicate our technology©. There is no need for that
anyway since everyone is invited
to partake in PAL under law.
Everyone needs ground-transportation.
It's true, the PAL Platform© is the only solution for millions of American drivers who are so buried in their auto finance they cannot trade when they want to or need to.
Enabling auto commerce on a case-by-case basis with the flexibility
to trade at will down the road as chaotic factors dictate our
futures saves lives, livelihoods, and probably many marriages as
well. To incorporate UVL into a nihilistic society, PAL "sales" are
a factual presentation of individual options due to circumstantial
criteria entered by the prospect online. The decision to lease, buy,
finance, or stand pat are strictly up to the prospect.
US education needs a face lift.
Our university enables
college-grade education without tuition, full-pay including
retirement as an externship with 100% guaranteed job placement. In
that bargain, Extemplar is a unique provider of more than enough
time and cash to pay the student loan payment on the most expensive tuition
elsewhere for a contemporaneous education.
Our governments need PAL for income and to unwind some bad
decisions. Auto sales tax and NVL use-tax comprise the largest
portion of income for every state, some as much as 50% of their
monthly revenue. UVL tax could double, or even triple that number. In
example, the ripple effect of leasing merely 304,080 used vehicles
in Indiana in one year could provide enough additional tax
income to rebuild the entire State infrastructure in three years...
every three years.
Not stimuli or a work-around, PAL is also an industry solution that clears the path for
annual new vehicle sales in excess of twenty million per year; and
only PAL can enable mass manufacturing/installation of electric
vehicle conversions, a big boon for the financial and manufacturing worlds. PAL is the
only method to make good use of millions of unsold new vehicles and
tidal waves of vehicles coming off new vehicle leases.
Fixed-income investors can depend on PAL. Underlying in mass for
many years prior to, but revved up by the coronavirus pandemic, faulty new car lease residual value
calculations will cause bond leaseholders unprecedented losses, as
they have since the ninety's. Auctions have been overflowing with
these three-year-olds since 2016. 3Q 2020 reports tell millions more
vehicles are being
refused by the lending institution upon scheduled return. Only PAL
can guarantee residual values on these toddlers and put them back on the street with new
driver at a rate popular to everyone. Eventual perception of
this enormous value by Big Auto and their bond holders will endear
them to the PAL Platform© for a harmonious future.
The PAL NetWorkForce™ grows on scale without
cost to the Trust
Prior to 1980, very few
lease transactions were conducted at auto dealerships. Today,
leasing in the showroom has become the norm and the only. PAL enables any volume of
expert, remote, non typical employment by distributing its
Virtual Fleet & Lease Office© franchises
with a college education, full pay, and without a charge. This
includes marginalized, home-bound, disabled, elderly, and those in need of a
bedside job. Analysts are usually profitable within the first
nine-hours because they are trained on real vehicles and live
customers. VFLO©'s are incorporated, standalone enterprises
that operate 24/7 from any Internet connection worldwide.
Viewed as
an additional free sales resource by dealers, efficiency is
maximized when the sales profit is split and the leased
vehicle is sent to a local brand dealership for physical delivery.
PAL Inc, the Trust owner/originators, and the dealerships capitalize 5X
because each VFLO© analyst can sell five-to-six leases in the time
it takes to physically deliver just one. So, all PAL Platform
participants' "new
normal" is actually normal again, and careers are set up to grow without the boundaries
incurred with indirect leasing.
Initially important, there
is no cost to setup and operate the front-end and lease-end modules.
Historically, this cost ranges from $20M to $350M for indirect
leasing originators. This advantage compliments PAL's
exclusivity to equal no competition for used vehicle leasing and no
viable competition from indirect new vehicle leasing
or used car loans.
The
preferred, premium market for preowned auto leasing LBS is twenty-five times larger than
all
2019 used & new, sales & leases combined in the USA alone.
The availability of
qualified vehicles for
preowned auto leasing LBS is nineteen times
bigger than
all
new & used vehicles for sale in the USA today. Current availability of top
quality used vehicles for PAL is 11,000 per day through wholesale
sources alone. About 84-million (30%) of the country's
280-million daily-drivers could and should be converted to a fair
level-yield lease to extract equity, add flexibility, and
drastically reduce the #1 cost in any budget – private
transportation. If just 13% converted to a PAL lease, the
recession would end overnight and twenty-years of historic losses
would be recovered in about five-years.
&
PAL master-leases are the
only viable gateway to redouble auto LBS by adding an electric
vehicle conversion to a leased vehicle. A good EVC will double the
capitalized cost of the lease and triple the value of the vehicle,
so the lessee's payment will go down in most cases. What
would be the effect if PAL bought all the police cars in your
community and lease them back with a powerful EVC? What would
be the savings for the operator and customers of an EVC rental
fleet? UBER? Semi tractors? How much are the take-off parts
worth to offset the cost of conversion? The calculations for
the answers on a case-by-case basis are already contained in PAL's
3-way comparison marketplaces online (and free for the asking).
FYI: Main Platform Components
-
Auto Financial Advisers
Oversight Board This office is the only position authorized to order purchase of a leased vehicle. AFA's oversee every transaction, it is their money that is placed in escrow, and they remain responsible for all contractual obligations on all sides of every lease. Only they are granted the power to enforce the rules of conduct for each entity's working agreement to settle losses efficiently and timely to the benefit of all concerned.
-
Auto Lease Auctions The ultimate marketplace for auto buyers, sellers, lessees and lessors, both wholesale and retail with 3-way bidding - cash purchase, simple interest finance & used vehicle leasing. Shoppers are furnished with seven pre-bid services online and up to eighteen customized reports and
comparisons to make an informed decision. The domain also presents twelve tools & services to help dealers market qualified vehicles to the public and other dealers at the physical wholesale auctions.
-
Department of Justice &
Police
An
independently funded and operated squad equipped with the best
technology and
procedures to protect the participants, their money, and the interests
of the PAL Platform during these times of chaos, corruption,
high-crimes and misdemeanors.
-
ESP Technologies World Corporation
An Indiana industrial computer manufacturer founded in 1979, this is the technical deck of the PAL Platform. They are responsible for all
automation, support, and it is ESP's stock that backs the leases in escrow.
-
Extemplar University The online auto economics
curriculum was created with three levels of certification from
courses taught at the world's largest lease-lenders and the
installations of most successful lessors. It provides hands-on training for 42 positions, continuing education,
police, legal services and
administration throughout the platform, throughout time.
-
Fair Vehicle Leasing Association This is a 501c6 business league corporation for the restoration and preservation of fair orthodox leasing. It provides a fun, free place where PAL participants govern themselves without problems, going to court or any delay.
-
PAL Owners Trust &
Escrow The originators' owners trust and escrow company
is in the making for the organization, sales and administration of PAL asset backed securities. An
official copy of the trust agreement is available to qualified individuals seeking a position in it.
-
PAL Wholesale, Title &
Insurance
A licensed wholesale dealership (CIADA #S1464) to purchase pre-sold lease vehicles,
ship directly from wholesale auctions with layers of overlapping
insurance,
nationwide, with access to Canada, Mexico and abroad.
PALX Stock
Exchange A private stock market (SEC
Forms 1 & S-3) in the making to sell PAL LBS Portfolios and upgrades as they are created, as well as trade ESP
INC and VFLO securities from time to time.
-
Preowned Auto Lessors,
Inc A licensed lessor for the administration of preowned auto lease funding in the USA and abroad,
under law, as prescribed.
-
Real-Time Residual Value
Calculators Another first in auto history, RTRV's can be guaranteed because they are created at the point of sale using particular driver, environment, and market data on a month-to-month basis instead of a year-to-year published table. This allows for total market expansion and unlimited length of lease except where limited by law.
-
Virtual Fleet & Lease
Offices VFLO's are the latest version of the lease selling systems that have been installed in franchised dealerships since 1985.
Readers can indicate interest in a VFLO below to receive a full
description of this important machinery.
OPM Calculator For Originators
Instead of a direct pledge of
$100,000 to own
2.00% of the Trust for a return of
$2,785,553,872 in 5-years,
you can pledge $400,000 to
own 8.00% of the Trust for a return of
$11,141,815,488 in 5-years
by using other people's money.
For example, you could leave your
$100,000 in the bank to secure a loan for 60-months at:
Your most lucrative terms
come from a structure that keeps money growing in the Trust like an annual interest-only payment of $20,000 at the end of each year, then pay back the principal of $400,000
at the end of 5 years after earning all that money. Note:
paying a higher rate for the best loan structure is less expensive
than losses of Trust income from conventional monthly loan repayment.
Where there
is no possibility of conflicted interests, originators have first
rights to own/operate a
Virtual Fleet & Lease Office© franchise for dual income. Like the Trust, a VFLO© can grow
to any size without investment, expense, or work. One VFLO© can easily sell $5,000,000 worth of
leases during its initial two-months, pay all its costs and
flat-commissions from the fair sales profit and future rate
participation, and automatically expand to serve the following
rounds. In our model, the "hands-off" Owner/Operator(s) (O/O)
earn $9,527,477,774
PTD EBT in about 5-years.
This is in addition to VFLO monthly rate participation:
Rnds |
Time (est.) |
$O/O EBT |
$O/O PTD |
EMPs |
LSEs |
LSEs PTD |
1 |
2nd month |
$101,375 |
$101,375 |
12 |
179 |
179 |
2 |
4th month |
$144,297 |
$245,672 |
17 |
254 |
433 |
3 |
6th month |
$205,393 |
$451,065 |
24 |
362 |
795 |
4 |
8th month |
$292,356 |
$743,421 |
33 |
515 |
1,310 |
5 |
10th month |
$416,140 |
$1,159,560 |
48 |
733 |
2,043 |
6 |
12th month |
$592,333 |
$1,751,893 |
68 |
1,043 |
3,086 |
12 |
2nd year |
$14,570,324 |
$16,322,217 |
564 |
8,678 |
28,752 |
18 |
3rd year |
$121,180,014 |
$137,502,231 |
4,691 |
72,172 |
242,210 |
24 |
4th year |
$1,007,842,733 |
$1,145,344,964 |
39,016 |
600,250 |
2,017,519 |
30 |
5th year |
$8,382,132,810 |
$9,527,477,774 |
324,494 |
4,992,222 |
16,782,594 |
36 |
|
$69,713,406,799 |
$79,240,884,573 |
2,698,789 |
41,519,836 |
139,582,324 |
There is no reason for a VFLO© to stop growing, but like the Trust
portfolio, the availability of premium qualified passenger cars at
preferred wholesale auction may
curtail sales in about eight years on this scaled model. VFLO©
income is also guaranteed, but only in certain
circumstances and in a different way described in the Cost & Profit
Analyzer - Section IV, on that web site.
In a tricast where one person
primed and owns a whole portfolio ($5M minimum) and is the sole
owner/operator of a compliant VFLO©, they may perfect and keep
their last PAL portfolio. If in fact the lease-grade averages
to Anticipated, they can add 8% APR on top of what would then be
their tax-deferred, fixed-income earnings.
Take a dual role, originator and owner, for
non-general PAL portfolios like major fleets, larger municipal leases,
government provisions, innovation leases, and sectional contracts in the
Fleet lease-grade.
High-yield PAL leases will pass all legal compliance if tested
and there are really no
tranches in 100% enhanced LBS portfolios, which makes them easy to
resell in part or in whole for a sizeable gain.
Owners
could then reinvest the proceeds in another, larger PAL portfolio. In
turn, bundles of PAL portfolios may be attractive to large global
LBS
investors to help offset the losses in auto subprime, and the
pending unknown losses because of the
pandemic.
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