Monetizing Human Capital©

You won't believe it until you do the math!

Professor Emeritus Paul Katching


- a 10-minute read -


Two groundbreaking developments about the publicly-listed company (PLC) will ensure your mastery of Monetizing Human Capital© (or Monetized Human Capital©).  This novel insight into the intersection of humanity and capital is intricately linked to your exclusive opportunity to have a staggering $1 Billion in capital within an astonishing 89 days.  



1. What is the PURPOSE of a PLC?

Maximizing shareholder value is the primary purpose of a publicly-listed company (PLC).  However, the precise method to achieve this has remained a mystery until now.  Two of the most challenging unsolved problems in Financial Economics—the Equity Premium Puzzle and the Dividend Puzzle—have finally been solved.  Our solution provides a single A=B/C²  formula and the Intellectual Property to explain the "why and how" behind the PLC's ability to maximize shareholder value.  In this formula, A represents the Market Capitalization of the PLC, B signifies the Earnings declared by the PLC's Board of Directors as cash dividends, and C² denotes a predetermined Dividend Yield.

Your understanding of the Dividend Yield is very important. Please click here for an explanation of the Dividend Yield at Investopedia before continuing with some examples below. 
  
Here are three A=B/C² examples using different Dividend Yields (DY) published on December 29, 2025:

1st Example

a $1 dividend paid out with a 4.66% DY supports a $21 value
     
$21.459 = $1 divided by 0.0466 (where B=$1 and C²=0.0466)

4.66% is the published DY of Target (a $44.26 Billion PLC) 
 2nd Example

a $1 dividend paid out with a 0.84% DY supports a $119 value
     
$119.048 = $1 divided by 0.0084 (where B=$1 and C²=0.0084)
     
0.84% is the published DY of Walmart (an $887.9 Billion PLC) 
3rd Example

a $1 dividend paid out with 0.02% DY supports a $5,000 value

$5,000 = $1 divided by 0.0002 (where B=$1 and C²=0.0002)

0.02% is the published DY of NVIDIA (a $4.63 Trillion PLC) 

Would you rather have a $21 value, a $119 value, or a $5,000 value?  

The lower the Dividend Yield, the higher your Value.  It's a straightforward financial fact from Katching's 3rd Law of the Publicly-Listed Company with relevant and supporting empirical data in the Business Ecosystem page (linked at the bottom of this page).  The solution to both puzzles (prepared by this Investigator in 2022) eliminates accounting tricks and trading gimmicks.  It also identifies A=B/C² as the sole formula for PLC wealth creation.  The A=B/C² formula is supported by Albert Einstein's M=E/C² formula.  This discovery of the connection between Science and Financial Economics is a groundbreaking first.  

This is the first part of information that 31 companies or individuals (including you) need to transform a $20,000 minimum investment into a $1 Billion value within 89 days.  Please click here to review the Dividend Yield explanation at Investopedia once again.  The Dividend Yield is the mathematical cause for your $1 Billion value in a correctly-formatted PLC.  Review this math from time to time until it is second nature.  You can also click on the company names in the three examples above to see where their Dividend Yields are published.

Let's move into the second part of the information you need for more insight about your $1 Billion value. 



2. What is the PRODUCT of a PLC?

The only "product" of the PLC is the cash-paying Human Beings!  Please stay with this thought until we bring the PLC's Purpose and Product together in the conclusion.  

In the big picture of wealth creation, the prevailing belief that products are the tangible things created (like houses, computers, cell phones) is no longer relevant.  

Furthermore, there should be no intermediaries between the PLCs and their cash-paying customers.  Without going into the details, intermediaries are causing trillions of dollars in lost market values.  Inflation, extreme wealth inequality, and gross unemployment are some of the effects of intermediary influence.  Monetized Human Capital© solves the problem of intermediaries by guaranteeing 100% PLC ownership for Human Beings.  

If a PLC lacks shareholders (who are Human Beings) and does not have any cash-paying customers (who are also Human Beings), then that PLC is essentially a zombie.  In the United States alone, there are 9,194 inactive PLCs that are zombies without customers.  

What makes our company, Skills 31 Teams® Inc., unique is that the customers and the shareholders are "One and the same".  Human Beings are customers and shareholders at the same time.  This is not so in other companies—their customers and shareholders are not the same people.

Our requirement for simultaneous customers and shareholders comes from our Intellectual Property (IP).  The 1st PLC using our IP will cause an unprecedented global release of $1,000+ Trillion in value without debt (at a time when the IMF and World Bank calculate the total debt of all governments at a crippling $111 Trillion).  This will happen because a predetermined number of PLCs will be fully owned by the 3+ billion Human Beings who constitute the global labor force.  Here is a much closer connection between PLCs and Human Beings who are PLC customers.  

After rigorous analysis spanning 46 years, Skills 31 Teams® Inc. possesses the know-how to organize exactly 1 + 31 + 961 + 29,791 + 923,521 Human Beings into a Monetizing Human Capital© Logistical Structure; they own 100% of the first PLC.  This know-how is called Org913-T-MBA®.  Four of the five organizing numbers are divisible by 31—the number in our Skills 31 Teams® brand.  

It's now time to conclude with Monetizing Human Capital©.


3. Bringing PURPOSE and PRODUCT together

Since the PLC’s product and shareholders are one and the same, it follows that the PLC’s only Purpose and Product is Monetizing Human Capital©.  Our company, Skills 31 Teams® Inc., owns the IP for the how and why of Monetizing Human Capital© or Monetized Human Capital©.

Value actually begins and ends with Human Beings.  In this bigger picture, traditional products like houses and electronics are still used by people.  We just need to keep things in perspective. With Monetizing Human Capital©, it doesn't matter what traditional products are involved.  What matters most is the PLC's Perpetual Revenue Model for Monetizing Human Capital©.

The pent-up demand from many people to unlock their "Human Capital" is large and global.  Our immediate execution is the deployment of our Fintech platform for Monetizing Human Capital© for the general public.  People will use this platform to pay off their student loans, buy their first home, order non-contaminated healthier food, and live debt-free for the first time in history.  

We are buying a currently-trading PLC and placing our Scientific Perpetual Revenue Model into the PLC's By-Laws and Capital Structure. This presents a unique opportunity for you or your company to get your first $1 Billion as a shareholder of the first PLC running on our model.  

Our Scientific Perpetual Revenue Model consists of 
  • PLC By-Laws to guarantee 100% PLC ownership for Human Beings;
  • a science-based 5-part Organizational Structure (discussed in Part 2 about the PLC's Product for 954,305 customer-shareholders);
  • the science-based A=B/C² formula for wealth creation (discussed in Part 1 about the PLC's Purpose); and
  • a science-based 4-part Budget.

The first PLC to use our Scientific Perpetual Revenue Model will have a $1+ Trillion MCAP, paying guaranteed cash dividends into perpetuity.  97% of a $1 Trillion MCAP divided by 954,305 customer-shareholders comes to an equity value of $1,016,446 for each shareholder (who also receives an annual cash dividend payout per the PLC By-Laws).  For competitive reasons, the small monthly participation to be requested from each customer-shareholder is revealed ONLY after they are all signed up.  31 Companies or Individuals are sharing a 3% ownership stake in this PLC.