penta car car tners Y o u r 5 - S t a r Y o u r 5 - S t a r P a r t n e r P a r t n e r Cagayan de Oro City, Misamis Oriental (02) 848-0114 + 63945 155 5672 cs@5cartners.com 5cartners.com w i t h R e a l C a r D e a l s w i t h R e a l C a r D e a l s In choosing a car to purchase , y ou must kno w y our needs This principle ser v es as the foundation of our decision ; select a v ehicle that can cater to y our needs and lifest y le If y ou ’ re a beginner in dri v ing or onl y w ant a car for cit y use , y ou can look at the first and second models The first car is an automatic transmission car , w hile the second one is CVT transmission Both are eas y to use , and the onl y difference is that the first car has more gears than the second , w hich onl y has one Our third car , on the other hand , has a manual transmission This model is a more comple x transmission t y pe , w hich can be great for professional dri v ers w ho lo v e complicated tracks If y ou w orr y about the maintenance cost , the third car is for y ou as it has less e x pensi v e maintenance costs but is significantl y more potent than the pre v ious t w o If safet y is y our number one priorit y , w e think that the third one might cater to y ou less as it onl y has airbags in the dri v er and front passenger ’ s seat In contrast , the other t w o ha v e airbags that can cater to e v er y one Regardless of our sentiments , w e are be y ond honored to cater to y our needs and present to y ou the v arious paraphernalia of cars w e offer for sale and gi v e y ou guaranteed , practical ad v ice at y our con v enience and utmost ad v antage M A R K E T I N G D E P A R T M E N T A s h l e y Te s ha Sch r e u de r Ma r c us Mig u e l Si los A n d r e Je rom e Ta n X up h y a F r a nzynn Ta n Le x Z ul ie t a Picking a car to purchase is a big decision for man y of us It usuall y takes a long time before reali z ing w hich car is the “ right ” one for y ou As it is a big purchase , w e ha v e to ensure that it w ould be an in v estment rather than a loss As sales representati v es of the marketing department , w e help y ou choose from our a v ailable units and share some tips to select y our dream car w isel y So , w hat are y ou w aiting for ? Snatch So , w hat are y ou w aiting for ? Snatch a deal no w at PENTACARTNERS , y our a deal no w at PENTACARTNERS , y our 5 - star partner w ith REAL car DEALS ! 5 - star partner w ith REAL car DEALS ! THE MARKETING DEPARTMENT STATEMENT P E N T A C A R T N E R S penta car car tners Y o u r 5 - S t a r P a r t n e r w i t h R e a l C a r D e a l s VOLKSWAGEN VOLKSWAGEN LAMANDO 1.4 TSI DSG SEL LAMANDO 1.4 TSI DSG SEL ₱ 1,703,000.00 ₱ 1,703,000.00 PRICE! PRICE! ₱ 255,450.00 ₱ 255,450.00 15% DOWNPAYMENT! 15% DOWNPAYMENT! 2021 2021 MODEL! MODEL! C A R I N F O ! C A R I N F O ! C A R I N T E R I O R S ! C A R I N T E R I O R S ! C O M P A R I S O N C O M P A R I S O N Formula: I = Prt Solution: I = (₱ 1,447,550.00)(0.06)(4) Answer: I = ₱ 347,412.00 Brand: Volkswagen Philippines Volkswagen Philippines Model: Volkswagen Lamando 1.4 TSI DSG SEL Volkswagen Lamando 1.4 TSI DSG SEL Price: ₱ 1,703,000.00 ₱ 1,703,000.00 Downpayment (15%): ₱ 255,450.00 ₱ 255,450.00 S P E C I F I C A T I O N S S P E C I F I C A T I O N S Transmission: Automatic Engine Size: 1.4 Liters Drivetrain: Front Wheel Drive Max Output: 150hp @ 5,000rpm Fuel Type: Gasoline Fuel Capacity: 50 Liters Wheelbase: 2,656 mm Number of Doors: 4 Seating Capacity: 5 Airbags: 5 (Driver, Front Passenger, Rear Passengers) Connectivity: Aux, Bluetooth, SD Card, App Connect, Apple Carplay, Android Auto & USB Warranty: 3 Years (100,000 km) Excellent performance in ride quality. Splendid Noise, Vibration, and Harshness (NVH) insulation. Numerous features for automotive technology and safety. Less mechanical distractions are present when handled. The tall dashboard affects visibility when driving. The DSG transmission is not designed to withstand immense traffic. Frequent consumption of piano black plastics (dashboard and car doors), which can be quite costly. G I V E N V A L U E S G I V E N V A L U E S S I M P L E I N T E R E S T S I M P L E I N T E R E S T F U T U R E V A L U E F U T U R E V A L U E G I V E N G I V E N C O M P O U N D I N T E R E S T C O M P O U N D I N T E R E S T F U T U R E V A L U E F U T U R E V A L U E R E C O M M E N D A T I O N S R E C O M M E N D A T I O N S Principal Amount (P): Market Price - Your 15% Downpayment ₱ 1,703,000.00 - ₱ 255,450.00 = ₱ 1,447,550.00 ------------------------------------------------------------------ Principal Amount (P) - ₱ 1,447,550.00 Interest Rate (r) – 6% or 0.06 Time (t) – 4 years Formula: F = P + I Solution: F = ₱ 1,447,550.00 + ₱ 347,412.00 Answer: FV = ₱ 1,794,962.00 Principal Amount (P) - ₱ 1,447,550.00 Nominal Rate (i) - 7.2% or 0.072 No. of Conversion Period (n) - 6 Time (t) – 3 years P R O ' s P R O ' s v s . v s . C O N ' s C O N ' s The simple interest of Volkswagen Lamando 1.4 TSI DSG SEL is ₱ 347,412.00 , while its future value sums up to a total of ₱ 1,794,962.00 in (4) four years Meanwhile, the compound interest of the same model is ₱ 346,699.35 , and its corresponding future value adds up to ₱ 1,794,249.36 within (3) three years. We recommend that you avail the COMPOUND INTEREST option since it has a lower interest growth and that same interest is compounded bi-monthly (n=6, every 2 months). Despite having a greater nominal rate (7.2%) than the interest rate (6%), the compound interest calculations yield a smaller and more affordable amount than the SIMPLE INTEREST . Furthermore, it only takes 3 (three) years for you to fully pay for the car. On the other hand, we do not give a positive light to the simple interest option. Apart from being slightly larger in amount compared to the compound interest, it also takes four years for you to make the car's status in "full payment." Thus, we encourage you to avail of the compound interest option instead when you desire to buy this model in installment at the end. penta car car tners Y o u r 5 - S t a r P a r t n e r w i t h R e a l C a r D e a l s TOYOTA TOYOTA COROLLA ALTIS 1.8 V HYBRID CVT COROLLA ALTIS 1.8 V HYBRID CVT ₱ 1,595,000.00 ₱ 1,595,000.00 PRICE! PRICE! ₱ 239,250.00 ₱ 239,250.00 15% DOWNPAYMENT! 15% DOWNPAYMENT! 2021 2021 MODEL! MODEL! C A R I N F O ! C A R I N F O ! C A R I N T E R I O R S ! C A R I N T E R I O R S ! Formula: I = Prt Solution: I = (₱ 1,355,750.00)(0.06)(4) Answer: I = ₱ 325,380.00 Brand: Toyota Philippines Toyota Philippines Model: Toyota Corolla Altis 1.8 V Hybrid CVT Toyota Corolla Altis 1.8 V Hybrid CVT Price: ₱ 1,595,000.00 ₱ 1,595,000.00 Downpayment (15%): ₱ 239,250.00 ₱ 239,250.00 S P E C I F I C A T I O N S S P E C I F I C A T I O N S G I V E N V A L U E S G I V E N V A L U E S S I M P L E I N T E R E S T S I M P L E I N T E R E S T F U T U R E V A L U E F U T U R E V A L U E G I V E N G I V E N C O M P O U N D I N T E R E S T C O M P O U N D I N T E R E S T F U T U R E V A L U E F U T U R E V A L U E C O M P A R I S O N C O M P A R I S O N R E C O M M E N D A T I O N S R E C O M M E N D A T I O N S Principal Amount (P): Market Price - Your 15% Downpayment ₱ 1,595,000.00 - ₱ 239,250.00 = ₱ 1,355,750.00 ------------------------------------------------------------------ Principal Amount (P) - ₱ 1,355,750.00 Interest Rate (r) – 6% or 0.06 Time (t) – 4 years Formula: F = P + I Solution: F = ₱ 1,355,750.00 + ₱ 325,380.00 Answer: FV = ₱ 1,681,130.00 Principal Amount (P) - ₱ 1,355,750.00 Nominal Rate (i) - 7.2% or 0.072 No. of Conversion Period (n) - 6 Time (t) – 3 years Transmission: Continuous Variable Transmission (CVT) Engine Size: 1.8 Liters Drivetrain: Front Wheel Drive Max Output: 121hp @ 5,200 rpm Fuel Type: Hybrid Fuel Capacity: 43 Liters Wheelbase: 2,700 mm Number of Doors: 4 Seating Capacity: 5 Airbags: 5 (Driver, Front Passenger, Rear Passengers) Connectivity: Aux, Bluetooth & USB Warranty: 3 Years (100,000 km) This model comes with the Toyota Safety Sense package, which mobilizes efficient safety features (exclusive to Toyota cars, of course)! The hybrid powertrain is incredibly fuel-efficient and ecologically friendly. This model is the best Corolla Altis ever designed by Toyota. Large amounts of piano black plastics are present in the car's cabin. The touchscreen infotainment system of this car appears to be mundane (uninteresting). The instrument cluster looks quite cramped, making it difficult for drivers to multitask in keeping their eyes on the road and reaching for other gauges simultaneously. P R O ' s P R O ' s v s . v s . C O N ' s C O N ' s The simple interest of Toyota Corolla Altis 1.8 V Hybrid CVT is ₱ 325,380.00 , while its future value sums up to a total of ₱ 1,681,130.00 in (4) four years Meanwhile, the compound interest of the same model is ₱ 324,712.55 , and its corresponding future value adds up to ₱ 1,680,462.55 within (3) three years. We encourage you to avail of the COMPOUND INTEREST option since it has a lesser value in both interest and future value in contrast to the SIMPLE INTEREST . Under the compound interest, your balance will be compounded bi-monthly (n=6, every 2 months) and will only take three (3) years to pay the car fully. Subsequently, you can save up to ₱667.45 in interest when opting for the compound interest. Even if the difference is slight, you saved some money, at least in the compound interest preference. We do not encourage going for the simple interest in applying installments for this model because it is higher in interest and future value and takes longer to pay than the compound interest fully. Thus, the department hopes that you choose the compound interest if you want to buy this car in the end. penta tners car car Y o u r 5 - S t a r P a r t n e r w i t h R e a l C a r D e a l s CHEVROLET CHEVROLET COLORADO 2.5 4X2 MT LT COLORADO 2.5 4X2 MT LT ₱ 1,256,888.00 ₱ 1,256,888.00 PRICE! PRICE! ₱ 188,533.20 ₱ 188,533.20 15% DOWNPAYMENT! 15% DOWNPAYMENT! 2021 2021 MODEL! MODEL! C A R I N F O ! C A R I N F O ! C A R I N T E R I O R S ! C A R I N T E R I O R S ! Formula: I = Prt Solution: I = (₱ 1,068,354.80)(0.06)(4) Answer: ₱ 256,405.15 Brand: Chevrolet Philippines Chevrolet Philippines Model: Chevrolet Colorado 2.5 4x2 MT LT Chevrolet Colorado 2.5 4x2 MT LT Price: ₱ 1,256,888.00 ₱ 1,256,888.00 Downpayment (15%): ₱ 188,533.20 ₱ 188,533.20 S P E C I F I C A T I O N S S P E C I F I C A T I O N S P R O ' s P R O ' s v s . v s . C O N ' s C O N ' s G I V E N V A L U E S G I V E N V A L U E S S I M P L E I N T E R E S T S I M P L E I N T E R E S T F U T U R E V A L U E F U T U R E V A L U E G I V E N G I V E N C O M P O U N D I N T E R E S T C O M P O U N D I N T E R E S T F U T U R E V A L U E F U T U R E V A L U E C O M P A R I S O N C O M P A R I S O N R E C O M M E N D A T I O N S R E C O M M E N D A T I O N S Principal Amount (P): Market Price - Your 15% Downpayment ₱ 1,256,888.00 - ₱ 188,533.20 = ₱ 1,068,354.80 ------------------------------------------------------------------ Principal Amount (P) - ₱ 1,068,354.80 Interest Rate (r) – 6% or 0.06 Time (t) – 4 years Formula: F = P + I Solution: F = ₱ 1,068,354.80 + ₱ 256,405.15 Answer: FV = ₱ 1,324,759.95 Principal Amount (P) - ₱ 1,068,354.80 Nominal Rate (i) - 7.2% or 0.072 No. of Conversion Period (n) - 6 Time (t) – 3 years Transmission: 6 Speed Manual Engine Size: 2.5 Liters Drivetrain: Rear-Wheel Drive Max Output: 163hp @ 3,800 rpm Fuel Type: Diesel Fuel Capacity: 76 Liters Wheelbase: 3,096 mm Number of Doors: 4 Seating Capacity: 5 Airbags: 2 (Driver and Front Passenger) Connectivity: Bluetooth & USB Warranty: 5 Years (100,000 km) This Chevrolet model is equipped with a powerful diesel engine. The medium pick-up delivers ample power efficiently. Numerous technology and safety features in select variants are added to this model. Handling this model is surprisingly convenient, given its price and specifications. The handling performance of this Chevrolet model is not burdening to the drivers at all. The car seats of this model are uncomfortable. It lacks softer materials for the cushions. The steering wheel of this model does not telescopically adjust, which could make it hard for some drivers to find a comfortable driving position. This model is not equipped with a locking differential, and it could be potentially dangerous when the car suddenly goes into off-road conditions. The simple interest of Chevrolet Colorado 2.5 4x2 MT LT is ₱ 256,405.15 , while its future value sums up to a total of ₱ 1,324,759.95 in (4) four years Meanwhile, the compound interest of the same model is ₱ 255,879.19 , and its corresponding future value adds up to ₱ 1,324,233.99 within (3) three years. We endorse the COMPOUND INTEREST option for this Chevrolet model since it has a lesser value contrary to the SIMPLE INTEREST in both interest and future value (FV). In the compound interest, your 85% remaining balance of the car's total price will be compounded bi- monthly and will only take (3) years to make that payment 100%. Moreover, availing of the compound interest can save you up to ₱525.96 ! Notwithstanding the infinitesimal gap, at least you are able to save some cash with the compound interest! As for the simple interest, we do not encourage you to apply for it in this model since it is more pricey in both interest and future value and even takes a year longer to pay than the compound interest fully. Thus, the department hopes that you choose the compound interest if you want to buy this car in the end. TOYOTA TOYOTA The traditional, practical, and flexible medium pickup of Chevrolet, the Chevy Colorado 2.5 4x2 MT LT, is a beast on and off the road! With the help of its 2.5-liter turbocharged diesel engine and a manual transmission producing 165hp @ 3,800 rpm, your next weekend trail will surely be a memorable one. This pickup truck prioritizes loading space with its vast cargo bed, so transporting your goods will be a breeze! Although lacking in interior tech and comfort, this car will wade you through the flood our country is prone to! This Chevy's simple interest comes around ₱ 256,405.15 and a corresponding future value of ₱ 1,324,759.95 in 4 years. Meanwhile, the compound interest is ₱ 255,879,19, with its future value is ₱ 1,324,233.99 in a span of 3 years. In Pentacartners, it's a big YES to avail the compound interest if this car captures your complete interest! VOLKSWAGEN VOLKSWAGEN CHEVROLET CHEVROLET LAMANDO 1.4 TSI DSG SEL LAMANDO 1.4 TSI DSG SEL COROLLA ALTIS 1.8 V HYBRID CVT COROLLA ALTIS 1.8 V HYBRID CVT COLORADO 2.5 4X2 MT LT COLORADO 2.5 4X2 MT LT Compound Interest: Simple Interest: SI Future Value: CI Future Value: Compound Interest: Simple Interest: SI Future Value: CI Future Value: Compound Interest: Simple Interest: SI Future Value: CI Future Value: RECOMMENDATION SUMMARY RECOMMENDATION SUMMARY RECOMMENDATION SUMMARY If you want a car with top-notch safety, performance, and German design, the Volkswagen Lamando 1.4 TSI DSG SEL has got you covered. The 1.4 Liter engine mated to an automatic transmission produces 150 horsepower at 5,000 rpm. With a seating capacity of 5, your family will surely enjoy the generous space. But the fun doesn’t end there! An infotainment system with Bluetooth, Android Auto, and Apple Carplay comes with the car making your road trips more fun and daring. The simple interest is ₱ 347,412.00, and future value is ₱ 1,794,962.00, while the compound interest is ₱ 346,699.35 with a future value of ₱ 1,794,249.36. Here at Pentacartners, choose the compound interest if you love this car! This car is for people who can afford a little higher price than the competition, but want to enjoy the safety and class of German engineering! An eco-friendly sedan known for its reliability, reputation, and one of the best-selling cars of the global automotive market, here is the Toyota Corolla Altis! The Toyota Corolla Altis 1.8 Hybrid CVT houses a 1.8- liter hybrid engine, paired with a CVT transmission capable of making 121 horsepower @ 5,200 rpm, comfortable seating of 5 people, and five (5) safely packed airbags across the cabin that will indeed protect you from danger. The simple interest of this car's remaining balance is ₱ 325,380.00 and its future value of ₱ 1,681,130.00, while the compound interest is ₱ 324,712.55 with a future value of ₱ 1,680,462.55! At Pentacartners, it's a win-win situation to avail the compound interest and its corresponding future value if this is the car you "fell in love with at first sight"! ₱ 256,405.15 ₱ 1,324,759.95 ₱ 255,879.19 ₱ 1,324,233.99 ₱ 325,380.00 ₱ 1,681,130.00 ₱ 324,712.55 ₱ 1,680,462.55 ₱ 347,412.00 ₱ 346,699.35 ₱ 1,794,249.36 ₱ 1,794,962.00 M A R K E T I N G D E P A R T M E N T M A R K E T I N G D E P A R T M E N T O V E R A L L O V E R A L L R E C O M M E N D A T I O N R E C O M M E N D A T I O N F R O M T H E F R O M T H E SOURCES SOURCES AutoDeal. (n.d.). Chevrolet Colorado 2.5 4x2 MT LT 2021, Philippines Price & Specs. AutoDeal.com.ph. https://www.autodeal.com.ph/cars/chevrolet/colorado/ 2-5-4x2-mt-lt-6753 AutoDeal. (n.d.). Toyota Corolla Altis 1.8 V Hybrid CVT 2021, Philippines Price & Specs. AutoDeal.com.ph. https://www.autodeal.com.ph/cars/toyota/corolla- altis/1-8-v-hybrid-cvt AutoDeal. (n.d.). Volkswagen Lamando 1.4 TSI DSG SEL 2021, Philippines Price & Specs. AutoDeal.com.ph. https://www.autodeal.com.ph/cars/volkswagen/lamand o/1-4-tsi-dsg-sel Corby, S. (2018, August 8). What is NVH? CarsGuide. https://www.carsguide.com.au/car-advice/what-is-nvh- 36403 Gonçalves, A. (2020, February 10). Diesel Or Petrol Engines: Which Pollutes More? A Complex Question. Youmatter. https://youmatter.world/en/diesel-or-petrol-what- pollutes-more/ Harper, B. (2020, December 16). DSG: what is a Direct Shift Gearbox and how do they work? Auto Express. https://www.autoexpress.co.uk/accessories- tyres/107959/dsg-what-is-a-direct-shift-gearbox-and- how-do-they-work Lee, E. (2019, June 27). Piano Black Plastics – Why we dislike them. AutoDeal. https://www.autodeal.com.ph/articles/car- features/piano-black-plastics-why-we-dislike-them Schofield, L. (2019, January 10). What Is the Function of an Instrument Cluster in a Car? It Still Runs. https://itstillruns.com/function-instrument-cluster-car- 7350828.html Statista. (2021, June 21). Monthly average salary Philippines 2016–2020 https://www.statista.com/statistics/1048636/philippines- monthly-average-salary/ Toyota (n.d.). Toyota Safety Sense . toyota.com. https://www.toyota.com/safety-sense/ WE CHOOSE THE CHEVROLET COLORADO 2 5 4 X 2 MT LT ! THE CURRENT SITUATION (PANDEMIC) LESSER COSTS (FUEL, MAINTENANCE, ADD-ONS, ETC.,) ENVIRONMENTAL IMPACT With that said, we at Pentacartners have spoken and made a comprehensive decision. This decision determines which car brand/model we will best recommend to you: the CHEVROLET COLORADO 2.5 4x2 MT LT! And, here is the criteria that we took into consideration to arrive at our final verdict! Apart from being the cheapest car present in our list, one of the criteria we considered in selecting the overall recommended car is our country's present situation. The pandemic has caused instability in our economy, so having the capability to afford a vehicle is beyond immeasurable blessings here in the Philippines. The average income of our countrymen is very much affected in the country, with ₱45,000 (Statista, 2020), so we considered accommodating clients who have adequate income to choose the most practical car in the store. With the same criterion, we should address the value of practicality in assessing which car deems to be most favorable. Hence, we chose the Chevrolet model as it was practical and was worth its price during this pandemic. With a decline in income increase due to the pandemic, we believe that the cheapest car available here in Pentacartners is the best for you! We chose the Chevrolet Colorado 2.5 4x2 MT LT aside from the others because it was less costly on maintenance and other add-ons to the car. As you read the pros and cons of our three vehicles, you notice that both Toyota and Volkswagen require some maintenance and add-on costs (excessive consumption of piano black plastics), whereas Chevrolet has none of these. In terms of fuel, Chevrolet uses diesel which is a cheaper fuel for as low as Php. 41.350 per liter in the country. Toyota and Volkswagen, with gasoline and hybrid, cost more in fuel expenses. Since we are in this pandemic, we have to consider lesser fees in buying the practical car. To a great extent, we cannot buy cars that require us to cash out more money for add-ons. The simpler, the better. The less costly, then this is it surely! Thus, the Chevrolet medium pick-up won our hearts with this category! Another thing we considered in the overall recommendation is the environmental impact that the car contributes. Both Toyota and Volkswagen are unfavorable here since (1) they utilize excessive plastic products like piano black plastics, and (2) their fuel types promote more towards environmental degradation and climate change. Chevrolet Colorado dominates this criterion because it (1) it does not make use of piano black plastics for add-ons and (2) it has diesel as its fuel type, which emits less carbon dioxide gas and is more environmentally friendly than hybrid and gasoline (Gonçalves, 2019). CAPACITY THE PRACTICAL MATH Besides, diesel is environmentally friendly and cheaper than hybrid and gasoline (which is a big, practical bonus!). We should see that being practical in choosing also considers our surroundings, and our Earth today happens to be experiencing climate change. Thus, Chevrolet leads here. To give justice to your money's worth, we see the Chevrolet Colorado as superior in terms of capacity. The medium pick-up itself is not only the cheapest product we have, but it is also the biggest among the three cars we presented. The Chevy is equipped with a huge cargo capacity and even includes a multipurpose trunk bed. Both Toyota and Volkswagen's final values go beyond the million and a half-price bracket in both simple and compound interest-based computations. Given today's time, we should see that we can buy cheaper cars that can aid us in transportation. With final values below 1.5 million pesos in simple and compound interest, Chevrolet is the best deal! Besides, you can now buy a medium pick-up truck for less than 1.5 million pesos! A big score! Despite having safety as its low points, we believe that Chevrolet deserves a chance to be brought if we just put caution in our driving endeavors. Although it only has two airbags available, which can be pretty lethal, Chevrolet has a bigger chassis which could be safer if you ever encounter an accident. Having a bigger chassis would be a lot safer in accidents, as you have a car with an enormous body and you're farther from the front and the back impact. Buy the Chevrolet Colorado 2.5 4x2 MT LT pick-up that has these unique features for only ₱ 1,256,888.00, with a 15% Downpayment of only ₱ 188,533.20! Avail the Compound Interest option for Chevrolet, with an interest of only ₱ 256,405.15 and a future value of ₱ 1,324,759.95. THE CHEAPEST MEDIUM PICK-UP TRUCK YOU'LL EVER SEE! EXCELLENT DRIVING MANEUVERABILITY! BIG CARGO CAPACITY! MULTIPURPOSE TRUNK BED! ENVIRONMENTALLY FRIENDLY! CHEAPER FUEL! PRONE BUT SAFER IN ACCIDENTS! In conclusion, we presented the three different car brands and their respective models we have on sale. Despite each car complimenting the boon or bane of the other, one car at this time is enough. In a vast sea of choices, we should embed it in our minds that times call for action to us in making "the best decision" as possible.