The Atavikus Effect!

Fort Lauderdale, FL

A program created to enhance your finances today!(Artist in the making and made).

                                            

Cesar Lugo.                                                                          

President.

Omar Lugo.                                                                                

Financial Advisor.

Vice-President.

954.274.4793

atavikus@gmail.com

 We present you: The Atavikus Effect.

  Cesar and Omar Lugo are entrepreneurs who saw the opportunity to create a win-win situation by helping others with their financial problems, from teaching them how to gain control over these financial problems to investing on different markets worldwide. During this period they noticed how the economic crisis has affected all businesses and individuals where the lack of financial knowledge is present followed by bad decisions. For this reason they founded CELOYFABANTTO CORP. financial solutions. Focusing on providing financial solutions with extraordinary but simple products, they decided to launch something called: The Atavikus Effect, the gathering of efforts and knowledge that bring great result to anyone who wants to improve their finances and their lives.

 

What is The Atavikus Effect?

 It's the synergy between financial knowledge and simple actions that once applied to the entity of your finances, bring improvement almost immediately. These extraordinary actions have simple roots, and they are:

-         Credit repair/improvements with continuous monitoring.

-         Prepaid legal services.

-         Electronic high interest yield investments.

 

So how do they work?

 When anybody is heading out for a destination, the most important tool to have is a map, because it will allow you first to know where you are located in reference to your destination and also an estimated time of travel, of course to prevent any delays. When anybody wants to improve their finances, the most important tool to have is a credit report, a lot of people do not consider this as a necessity but after you read the following, you will change your mind.

 -         Credit repair/improvements with continuous monitoring.

 At any situation where:

1.  You are looking for a job.
2. You are renting an apartment.
3. You register a business.
4. You open a bank account.
5. You ask for a car/mortgage loan.
6. You are getting insured.

 

   Your credit report in good standing is needed, the reason for this and do not take it personally, is because in the world of business it does not matter if you are a good or a bad person, for a business where “credibility” is involve, good credit makes the difference, we simply get one of the credit reports from one of the 3 credit bureaus(EXPERIAN, EQUIFAX or TRANSUNION) at no cost. Once having a credit report at hand we will proceed to analyze it, look for common errors, dispute(debts, inquires, etc) what can be done through that credits bureau and dispute those that are recommended to do directly with the lenders and collection agencies, to avoid being sued by any of them.

 

 Also we will guide you on how to prevent the most common mistakes people make that affects their credit report/score , also we will place an Identity theft shield  to protect your credit report from those disputed items to be reported back on it, plus:

 

•         Evaluate your current credit standing with an up-to-date credit report.

•         A personal credit score calculated by an independent scoring service.

•        A periodic detailed analysis of your credit score.

• Continuous credit monitoring(suspicious activity will be brought to your attention, providing you with early detection).

 

You'll receive prompt notice if the credit repository(credit bureau) is notified that:

•        New accounts have been opened in your name.

•        Derogatory notations have been added to your credit report.

•        Public records have been added to your report.

•        Inquires have been made against your report.

•        A change of address has been requested.

  Identity Restoration (new product included).

Identity theft can be devastating, and the process of restoring your name can be overwhelming and costly. You need more than “do it yourself” information if it happens to you. With the identity theft shield a trained expert will take the steps to help restore your name and credit for you.

  This service is provided by a prestigious risk management company, which licensed investigators will work on your behalf to help correct identity theft issues you have with affected agencies and institutions, including: credit card companies, financial institutions all three credit bureaus, Federal Trade Commission, Social Security Administration, Department of Motor Vehicles, U.S. Postal Service, law enforcement personnel, and other organizations that may be affected.

 Proactive searches of applicable local and national databases will be made on your behalf to look for information you may not be aware of, including: criminal activity in your name in your county records and certain federal watch list, Department of Motor Vehicle records in your state, unknown addresses affiliated with your name, and banking activity in your name reported as fraudulent.

 You'll have a toll-free number to report any potential discrepancy in your report. If the discrepancy is identity theft, a Fraud Restoration package will be rushed to you and our investigators will assist you every step of the way.

  -         Prepaid legal services.

Your life events legal plan, with expanded trial defense benefits, this means:

-        Preventive legal services.

 Legal Consultation & Advice. Call an attorney for legal advice on everyday issues as well as important decisions- without getting a bill in the mail! Get answers on your personal and business matters as well as preexisting conditions.

 Letters & Phone Calls. Get a letter written or phone call made on your behalf for any subject matter. Business owners: have up to two business letters written or calls made on your behalf each year.

 Contract & Document Review. Your provider law firm will review an unlimited number of personal documents for you, up to 10 pages each. Included each year is one business document review at no additional cost!

 Will Preparation. Your membership provides you with a standard Will that meets most Americans needs, with yearly reviews and updates at no added charge. You may also receive a Living Will and Health Care Power of Attorney at no additional cost if you have them prepared at the same time as your Will. Wills for covered family members are just $20 each; changes and updates $20.

 -        Motor Vehicle Legal Services.

 Minor Legal Expenses. Your Provider Law Firm will assist you or your covered family members with moving traffic violations at no additional cost to you. Get help with traffic tickets without worrying about the cost of representation.

 Major Legal Expenses.  Your Provider Law Firm will defend you or your covered family members when you are charged with Manslaughter, Involuntary Manslaughter, Negligent Homicide, or Vehicular Homicide, at no added cost to you.

Plus: up to 2.5 hours for help with:

1. Damage recovery service.
2. Driver's license assistance.
3. Personal injury legal expenses.

 -       Trial Defense Services.

Up to 75 Hours of Attorney Time. Receive up to 75 hours of your Provider Law Firm's time your first membership year if you or your spouse are named defendant or respondent in a covered civil or criminal action filed in court.

 Of these 75 hours, up to 17.5 hours may be used for all legal services rendered in defense of the covered suit prior to actual trial. Up to 57.5 of the remaining hours are available for actual trial time, including covered criminal preliminary hearings.

 Your hours increase with renewal:

2^nd year renewal:

23 hours pre-trial time + 117 hours trial time.

3^rd year renewal:

28.  5 hours pre-trial time + 176.5 hours trial time.

4^th year renewal:

34 hours pre-trial time + 236 hours trial time.

5^th year renewal:

39.  5hours pre-trial time + 295.5 hours trial time.

 -        IRS Audit Legal Services.

Up to 50 hours of Attorney Time. Receive up to 50 hours of your Provider Law Firm's time if you receive written notice of an IRS audit or are requested to appear at IRS offices regarding your tax return.

Your 50 hours are available as follows:

-Up to 1 hour for consultation, advice, and assistance when you receive written notice from the IRS of an audit or appearance.

-if there is no settlement within 30 days, you have up to 2.5 hours for audit representation, negotiations, phone conversations, and settlement without litigation.

-if there is no settlement without litigation, up to 46.5 hours are available for actual trial appearance if the IRS sues you, or if you pay the disputed tax and sue the IRS.

 You may say,

 “I don't have any legal situations. I don't need an attorney”,

but if you can answer “yes” to any of the following questions, the truth is we can help.

 Have you Ever?

 -Needed to have your will prepared or updated?

-Signed a contract of any kind?

-Received an inaccurate credit rating?

-Had problems with an insurance claim?

-Paid a bill you knew was unfair?

-Had a teenage drivers or drive like a teenager yourself?

-Had a car repair bill that was not the amount you authorized?

-Had trouble with the warranty on a product you purchased?

-Had to collect child support?

-Been treated unfairly or been taken advantage of?

 Who's covered?

-You & your spoused or significant other.

-Never-married children under age 21 living at home.

-Never-married children under age 23 who are full-time college students.

-Children under age 18 for whom the member acts as a legal guardian.

-Any dependent child, regardless of age, who is mentally or physically disabled, for whom the member is primarily responsible.

 

The price for the Credit repair/improvements with continuous monitoring, Identity restoration plus the-Prepaid legal services  package goes for:

$45,95 Membership(one time payment).

And then...

$35,95 Monthly per family or individual coverage.

Protect Yourself, Your Family or Your Business!

And if you wonder, how can I make money promoting all this???

 We also offer the opportunity to work with us, in USA and worlwide, just ask us about it!

 

For you who wants to put some money to work for you...

-         Electronic high interest yield investments.

  Due to the obsolete investments products in existence in the actual market(CD'S, Mutual Funds, IRA's, 401k, etc.) we decided to bring the purchasing power to a market place broker operating in Switzerland, meaning that we are ready to trade in the foreign exchange market like banks and billionaires do, by creating leverage with the two best strategies ever seen in this type of investment, leverage 1:100 and 5% stop loss order, and the best deal for middle income families and individuals, you can start with as low as $100 investment, but first let's determine why the actual investments are “obsolete” and ours not and why is so important to invest or create “assets”.

 “The rule of 72” what is the rule of 72?

It's the one that allows you to know how long will it take for your money to double, by dividing 72 by the interest rate you will obtained from your investment, for example:

If you open a CD account at any Bank, and the interest yield rate you will obtained is 2% a year.

Would you like to know when your money is going to double?

All you have to do is:

72 divided by 2% a year, it will take 36 years for your money to be doubled!

The most common question people ask us at this point is:

Why it takes so long?

The reason is because most of the Banks and investments firms in The United States of America, and the world, work with “Yearly Interest Investments Portfolios”, we do not!

Our investment product is called: Electronic High Interest Yield Investments.

What is exactly an Electronic High Interest Yield Investment?

 

These are simply investments placed on the foreign exchange market (FOREX), with the risk of losing  the total capital invested in. Our market place broker, however, manage strategies to reduce any risk3 for the benefit of our company and our investors. The FOREX market is the biggest electronic market in the world, with a daily operations volume of 3.5 Trillion Dollars. It is perhaps one of the most volatile and newest markets available to the public, which explains why 95% of the investors/traders end up loosing all their money within 6 months due to lack of knowledge and risk management strategies. Only 5% of people take advantage of the following opportunity we're offering, which is basically:

 

• To let professional experts do the job for you.

• Obtain high interest yield from 1% up to 40% (bi-monthly or biannually).

• Generate 0.5% monthly commission per investor referred to our system(not obligatory).

• Creating an alternative investment fund for your network(family, friends, co-workers, etc) In return, you will be letting money work for you, and not vice-versa.

 

Our Investment Plans.

  Each month you will receive a statement w/ your monthly yield. However, you will only be able to make withdrawals bi-monthly or biannually from your personal or corporate investments account according to the plan, or plans, you have chosen.

 The following plans are for investments over $100, with, estimated bi-monthly returns between 8% and 20%, and are considered conservative:

 Variable Conservative (Normal Plan).

 1-Investment: From $100 to $3,999.

•         Maximum bi-monthly estimated interests:1% to 8%

•         Automatic reinvestment of interests after six months:1% to 10% (bi-monthly).

2-Investment: From $4,000 to $19, 999 .

•         Maximum bi-monthly estimated interest:1% to 12%

•         Automatic reinvestment of interests after six months:1% to 14% (bi-monthly).

3-Investment: From $20, 000 to $49, 999.

•         Maximum bi-monthly estimated interest:1% to 16%

•         Automatic reinvestment of interest after six months:1% to 18%(bi-monthly).

 4-Investment: From $50, 000.

•        Maximum bi-monthly estimated interest:1% to 20%

•        Automatic reinvestment of interests after six months:1% to 21%(bi-monthly).

 

5-A high interest growth plan(commodities market) is also offered upon request.

The minimum capital to invest is: $500,000; with 100% of your capital being insured.

Maximum bi-monthly estimated interest: 20%(bi-monthly).

 General points to consider:

 

          

And with all this said, this is The Atavikus Effect...

 FOR FURTHER INFORMATION ON OUR FINANCIAL PROGRAM, OR ON HOW YOU CAN BECOME AN INTERNATIONAL PROMOTER, DO NOT HESITATE ON CALLING US OR EMAIL US AT:

Omar Lugo(954)274.4793.

ATAVIKUS@GMAIL.COM

FACEBOOK: CELOYFABANTTO CORP.

MYSPACE:

                        WE HIGHLY APPRETIATE YOUR OPINIONS AND CONCERNS!