His father, Robert d'Avignon, then head of Crippled Children's Services (CCS) of the Orange County Health Department, had asked him to find a solution to the problem of finding affordable transport for disabled children to their rehabilitation appointments, so he could use the available budget to save lives with kidney dialysis. The CCS budget would not stretch to pay for all these needs, and he did not want to run a death panel.
Brock designed his long vans off a shorter Roycemobile side-lift design, persuading Dodge to design & offer air conditioning to the back of 18' Dodge Maxi-Vans, and installing lockdowns for wheelchairs that he and his father had designed. Brock created an "as the crow flies" econometrically averaged charging method to merge bus, charter bus, and taxi functions at the same time to save gasoline and time. He started the company, Orion Transport, as sole proprietor. Having thoroughly read his business plan, The Manufacturers' Bank of Beverly Hills Bank cut an initial check for $200,000 for eight vans and two scheduling centers in Los Angeles and Orange County, as an advance on $2M.
Brock d'Avignon, read the %PAYE finance article as he was completing the design we see today for transport of multiple handicapped people. He envisioned %PAYE finance as a way to finance job-hunting, job-hunting transportation, and transport to a new job for ex-shut-ins. Other sponsors were paying for passengers to come to their mall or doctors' offices, and then there were reasonable prices for personal trips.
Instead of calling Dr. Friedman immediately, Brock decided to check the history of %PAYE transaction's stability and trust or income verification as a factor along with researching modern applications of the idea.
D'Avignon made the call to Friedman in 1976, after having found how much %PAYE finance-built America and Americans across an ocean and a continent. Brock renamed the idea Percentage As you Earn and coined the term finansurance for financing risk. Brock realized that %PAYE finance could be applied to long-term mortgages without repossession, sell tools, and offer medical care to all via the free market income-contingently finansuring pre-existing conditions, insurances, and chosen Human Investments. These services are today also part of Housing the American Dream.
Three years ago, Housing First in Utah established the fact that the only way to successfully take people off the street and put them on the path to renewed prosperity and security was to, first, give them a home. Not a bed in a shelter, but a place where they could live, cook, establish a sense of autonomy and begin to rebuild. By doing so, they lowered by 91% all other social services costs. North Carolina followed their lead.
Finansurace is a new form of insurance which makes it possible for everyone to enlarge the number of choices available to them. Applying this with Health Portal which feeds back to the wellness system invaluable information on what works and what does not work, what costs are and the quality of the services provided.
Our Housing the American Dream plan also includes lowering the intrinsic cost of new homes, making them affordable using 3D-Printing and geopolymer materials which are both fire-proof and hydrophobic. These are sustainable and can be endlessly recycled with no impact on the environment.
Lowering the cost of building, will eliminate the kluge of unsustainable products presently in common use. Doing this now, stops further malinvestment and begins meeting the desperate need for what we call Adaption to Climate Change (A2CC). While the use of ceramic nano-bonding geopolymers, which are stronger than concrete, resilient for 1,000-years, and more affordable by 80%, will help with this rebuilding our essential infrastructure, it will not be without cost. But it must be done.
These alternative technologies are already tested and known to work. Geopolymers have been in use since the founding of the Geopolymer Institute in France in 1979. Formulas for specific needs for flexibility, tensile strength, and other attributes exist. Multiple start-ups are using these and 3D-Printing today and looking for customers.
A sustainable economy also lowering costs, encourages each of us to refocus.
Homes that last a thousand years, also never burn, and are immune to flooding. The house cost to be rePAYEd will be less than $25,000, including land, power, re-purification for water, and the means for growing your own food; as compared to $300,000 for current construction methods that insurers can no longer afford any more than homeowners can on a 1:1 replacement basis in known disaster zones.
Our plan solves this problem as well. Insurance companies should be investing in A2CC infrastructures for reducing the impact of natural disasters everywhere. Our partner, Lincoln's Risk-Registry, run by David Lincoln, an Environmental Consultant, can show them and reinsurers what is needed and where.
First Development San Gorgonio Pass Area of Riverside County, California
To avoid the problem of resistance to having the formerly homeless in NIMBY locations, homes will be located in an entrepreneurial housing development, including health care facilities using a local %PAYE Mutual Finansurance Association. People suffering from RIP loan consequences of Post-Traumatic Stress Disorder (PTSD) being on the street, similarly veterans, will have what is needed for recovery. We need to ensure all basic human needs are met. In the last economic downturn, 17-million people lived in cars. 38-million RVs are considered reserve homes by those vulnerable to RIPs. The boom in Storage of Belongings needs to also be %PAYE finansured against loss, without repossession anxiety, or prevention of access to avoid keepsakes from being trashed. American investors can do better, while protecting their funds against loss.
A Sustainable Human Economy (SHE) gives each of us freedom to choose and more choices to choose from.
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