2. Jorge Manzano.

por Silvano Andrés.

Fotografía de Silvano Andrés.

Fotografía de Silvano Andrés.

Jamás se imaginó que en esta Tierra
Oriundo de la gran especie humana
Realmente en esta vida sí existiera
Genial persona y único en su talla
En pie como un antiguo caballero
Maestro de palabra y armonía
Andando se mantuvo en los senderos
Nadando por las aguas de alegría
Zanjó con libertad sin miramientos
Abriendo para todos horizontes
No quiso la estrechez de pensamientos
Optó por el amor que hay en los Hombres.

Sobre nosotros Revista Miseria

Espacio de desahogo reflexivo para aquéllos que se sienten desgraciados.

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  297. Uncover more about ATB On-line and ATB On-line Enterprise.

    The steadiness sheet doesn’t show us all of the fluctuations within the balances all
    year long. It doesn’t even present us the high and low balances for the
    yr. The amount in Retained Earnings is the amount from the assertion of retained earnings and never the trial steadiness.

    More complex types of the statements will likely be mentioned in future posts.
    Remember you can draw a line above your first income account and everything below that line ought to go on the revenue statement.
    Solely the items beneath the road ought to go on the revenue assertion. A number of different quick tips to bear in mind when preparing your statements.

    Unlimited transactions however I rarely buy drafts or different items.
    You selected that an account with could fit your
    on daily basis banking wants. Our Generation Account is intended to get
    children and youth started with saving and on a regular basis banking.
    Curiosity calculated on the each day closing steadiness
    and paid month-to-month. The benefit of managing your
    account nonetheless you want, whenever you want, with free ATB Online banking and telephone
    banking. No monthly payment, which includes unlimited transactions.
    The convenience of using non-ATB Monetary Interac ABMs as much as 5 instances a month, with ATB Monetary fees
    waived. Extra Data on the Students First Account College students curious about our College
    students First Account are often inquisitive about our Gold Money
    Rewards MasterCard® and College students First Line of Credit.

    The convenience of managing your account nonetheless
    you want, whenever you need, with free ATB Online and phone banking.
    Our Freedom Account is our premium account that eliminates service
    prices and affords various other free-banking choices.
    Limitless monthly transactions and no charge for customized cheques (limited style), cash orders and drafts, and American Categorical
    travellers cheques (single signature). More Info on the Freedom Account For those
    who use different non ATB Monetary ABMs greater than 3 occasions a
    month and preserve a day by day stability of $5000 or more,
    the ATB Advantage Account could also be a better fit for you.

    We will ask you for an e mail tackle through the checkout course of whenever you determine to purchase
    a services or products from us on We’ll use that electronic mail deal with to
    send you standing updates and change confirmations relating to the services you buy or
    apply for on You can change the email address that we use by contacting
    us, and will probably be updated in our data once it’s input into our system.
    If you are an present ATB Financial buyer and have signed a signature
    card for an account with us, then you agree that we can use that existing signature card for some other account that you
    simply purchase by means of this online
    checkout course of.

    Note: $350 and $25 bonus offers solely apply to the following varieties
    of new chequing accounts: Unlimited Account, ATB Benefit Account,
    College students First Account, Freedom Account. BTW, for those who’re
    an current ATB personal chequing account holder,
    you get up to $a hundred and fifty for each successful friend referral.
    AtB’s Online Retailer can be utilized to high-up the worth on your t:
    card or purchase periodic tickets for tram or bus in Southern and Northern Trøndelag.
    Purchases made on the On-line Store are paid by Visa or MasterCard.
    It’s essential to be in possession of a t:card in order to use AtB’s Online Retailer.

    For help, please call the ATB Financial Customer Contact Heart at.
    Sign up, tune into the belongings you care about, and get
    updates as they occur. This timeline is where you may spend most of your time, getting instant updates
    about what issues to you. Comply with more accounts to
    get on the spot updates about matters you care about. To download the free app ATB Mobile Banking by ATB Monetary, get iTunes now.
    ATB Cell is a protected and easy banking app for ATB clients
    on the go. Sensible design makes it simple to pay payments and ship
    Interac e-Transfers or World Transfers right from the home display screen. You will
    see all of your ATB accounts and transactions in a wise show and you’ll even designate your favorite accounts for handy access.

    Although there’s no minimum deposit for this savings account, the interest rate you will earn will increase for
    balances of $5,000 or more. The rate of interest for balances of $5,000 or extra is competitive when compared to the rates offered by Canada’s main banks.

    In the event you make transactions by way of this account, you may have to pay fees after
    your first free withdrawal or switch. The ATB Financial Springboard Savings Account is provincially insured.
    While the ATB Monetary Technology Account has a decrease
    rate of interest than the ATB Monetary Springboard
    Financial savings Account, the Financial Technology Account
    is designed for purchasers below the age of 19. This account options no month-to-month
    price.

    Following weeks of intensive coaching and after
    fulfilling rigorous compliance necessities, Cashco has totally launched
    these innovative accounts throughout all of its forty five Alberta shops.
    Cashco front line staff, with the assistance of
    ATB has enrolled over 1,four hundred new clients in just
    some weeks. Dave Mowat, ATB PRESIDENT and CEO, has also acknowledged the altering surroundings for Albertans.
    The accounts had been created to convey meaningful banking to
    underbanked and underserved Albertans. Everyday Use Account options embody:
    overdrafts as much as $500 with no monthly charges and a 25 cent cashback incentive on every transaction.

    Then I remembered that a co-employee banked with ATB and so
    I quizzed him on his banking relationship.
    He not solely gave the bank a constructive evaluation, he was capable of benefit from the
    promotion as well – amassing $150 money for referring me to ATB.

    Convinced that I made an amazing decision, I
    referred to as up the closest ATB branch that afternoon and made an appointment to open an account.

    As soon as I bought to the department, it took about 25 minutes to get all
    the things arrange – together with online banking and getting a debit card.
    I selected the essential account, which costs $3.95 monthly and contains 15 transactions.

    Last 12 months my husband and I switched away from a bank that was charging us about $170/12 months to have a chequing account with them,
    to a bank that has no charges and relatively high rates of interest on the savings accounts.
    I am very pleased that we switched, as a result of we don’t have to pay any charges if we do not have a minimal quantity in our chequing account, can view cashed cheques without cost, and also earn points via utilizing our debit or bank card with them.
    I have been a contented PC Financial buyer for 10 years, however I’ll
    switch if something else comes up. And I in all probability get $20 to $40 in free groceries per thirty days.

    Love ATB by the way in which however I ain’t feelin this app in any respect.
    Won’t let me in keeps saying code three. Instances out
    quite a bit and is very slow….in all probability one of many worst banking apps.
    After a pair extra updates since first writing a overview, this
    app still has by no means as soon as labored whereas attempting to deposit a
    cheque utilizing my phone. Deleting the app and going back to doing the whole lot on-line by
    way of my laptop. I think you guys want to add faucet and pay ASAP it’s
    on Android Pay in Canada now get caught up. Replace your app or even higher return to the previous
    model. Noticed that the app was up to date today, so I
    tried once more.

    After calls from CBC Go Public, ATB admitted it had made a mistake by
    not reimbursing ‘Dell and said it could evaluate its procedures to verify
    it didn’t occur to other clients in the future.

    In a press release to Go Public ATB Financial admitted
    it made a mistake, would reimburse ‘Dell,
    and was reviewing its procedures to prevent the error from happening
    in the future. She said that after the decision centre opened
    she learned someone had made a number of calls to ATB between 10 and 11 p.m.
    the previous night, changed her log-in information and then made the email switch after the bank’s call
    centre closed.

    She has previous convictions for dozens of fraud, theft, impersonation and various bank card offences.

    Regardless of a number of requests to ATB Financial for an interview or additional remark, including to president and CEO Dave Mowat, Go Public received solely
    a brief statement from Barry Strader, ATB’s corporate reporter, status and brand.
    ATB Monetary, identified formally as Alberta Treasury Branches, is an Alberta Crown company, and
    unlike all chartered banks is regulated totally by the Alberta government.
    The Customers’ Association of Canada says it will get a number
    of complaints every week from people who say their banks are refusing to compensate them after a fraud
    claim.

    ATB’s 5,065 staff members help greater than 730,000 clients in 244 Alberta communities.

    Established in 2007 and headquartered in Edmonton, Alberta, Cashco provides a full suite of economic companies.
    This consists of: chequing and savings accounts, small greenback
    loans, cheque cashing, and money transfer services. Cashco operates each online and through a network
    of sixty five branches situated throughout BC, Alberta, Saskatchewan, and Ontario.
    The report The Real Value of Payday Lending states that the fringe lending enterprise has emerged and expanded as the price of living for decrease and middle earnings earners has outpaced employment income
    growth.

    Cashco has secured superior Fintech software program and
    analytics to launch Cashco Flex loans on and offline.
    With none intervention, it’s anticipated that they are going to
    have an $8M mortgage balance in flex loans by the end of 2016.
    Alberta Treasury Branches, doing enterprise as ATB Monetary, 2 is a financial institution and Crown company owned by the Province
    of Alberta ATB operates in Alberta only, providing monetary
    services to just about 700,000 Albertans and Alberta-based mostly companies.
    ATB has 172 branches and a hundred thirty five companies, serving a total of 243 communities in Alberta
    Wealth administration services are offered beneath the identify ATB Investor Companies or ATBIS.

    In 2015, ATB was named one in every of Alberta’s Top Employers by Mediacorp Canada Inc.
    ATB gained the Folks’s Selection Award for Alberta BoostR at
    the 2014 North America Company Entrepreneur Awards 12.
    ATB Financial posts file $328-million 12 months-end profit 2.

    No extra tricks: How ATB Financial’s Rob Bennett is remodeling a few
    of the banking trade’s sneakiest practices for the great of the
    corporate and the group three. Alberta’s Business Person of the Year: ATB Monetary’s Dave Mowat
    4. ATB Monetary: Chosen as one in every of Alberta’s Top Employers for 2015 5.
    In our detailed accounting cycle, we simply completed step
    5 making ready adjusting journal entries.

    Notice how we start with the unadjusted trial
    steadiness in each account and add any debits on the left and any credits on the proper.
    Once the posting is complete and the brand new balances have been calculated,
    we put together the adjusted trial stability. As earlier than, the adjusted trial steadiness is
    a listing of all accounts with the ending balances and in this
    case it might be adjusted balances. The following step in the accounting cycle can be to finish the financial
    statements. To bank with ATB I would like a 9 digit account number.

    The Governmentwide Treasury Account Symbol Adjusted Trial
    Stability System (GTAS) replaces the performance of INFO I, INFO II,
    IFCS, and IRAS trial steadiness reporting programs as the primary means of reporting agency trial stability data.

    Contains the valid TAS balances and TAS attributes
    which might be used for budgetary and proprietary ATB submissions.
    The U.S. Normal Basic Ledger supplies a uniform Chart of Accounts and technical
    guidance that is utilized in standardizing Federal agency accounting and improves the standard and consistency of information reported
    by companies. The company accounts are these accounts posted in the General Ledger that are
    translated to the USSGL accounts for Treasury reporting.

    PeopleSoft Common Ledger offers a configurable solution to accommodate the valid combinations of TAS and BETC.
    Configure the GTAS ChartField information: Accounts, Funds, Finances Reference, ChartField Attributes, Bushes, GTAS Attribute Project desk,
    Attribute Exceptions, ChartField Preferences, and optionally, Validations and Edits.

    Account holders count on the user experience to maintain tempo with
    (and even get forward of) the other apps they use every day.
    We’re right here to make banking better for people
    and make their lives richer, and this was the instrument we wanted in an effort to do that.” –
    Rita Sly, Managing Director of Channels at ATB Financial.
    Final week I began the process of transferring my banking
    over to ATB from Scotia Financial institution, I’ve been nothing however impressed all through your entire process!
    I met with Rachelle to finish this process, and once
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  298. Uncover more about ATB On-line and ATB On-line Enterprise.
    The steadiness sheet doesn’t show us all of the fluctuations within the balances all year long.
    It doesn’t even present us the high and low balances for
    the yr. The amount in Retained Earnings is the amount from the assertion of retained earnings and never the trial steadiness.
    More complex types of the statements will likely be mentioned in future posts.

    Remember you can draw a line above your first income account and everything below that line ought to go on the revenue statement.
    Solely the items beneath the road ought to go on the revenue assertion. A number of
    different quick tips to bear in mind when preparing your statements.

    Unlimited transactions however I rarely buy drafts or different items.

    You selected that an account with could fit your
    on daily basis banking wants. Our Generation Account is intended to get children and youth started with
    saving and on a regular basis banking. Curiosity
    calculated on the each day closing steadiness and paid month-to-month.
    The benefit of managing your account nonetheless you
    want, whenever you want, with free ATB Online banking and telephone banking.
    No monthly payment, which includes unlimited transactions.

    The convenience of using non-ATB Monetary Interac ABMs as much as 5 instances a month, with ATB Monetary fees waived.
    Extra Data on the Students First Account College students curious about our College students First Account are often inquisitive about our Gold Money Rewards MasterCard® and College students First
    Line of Credit.

    The convenience of managing your account nonetheless you
    want, whenever you need, with free ATB Online and phone banking.
    Our Freedom Account is our premium account that eliminates service prices and affords various other free-banking choices.
    Limitless monthly transactions and no charge for customized cheques (limited style), cash orders and drafts,
    and American Categorical travellers cheques (single signature).
    More Info on the Freedom Account For those who use different non ATB Monetary ABMs greater than 3 occasions
    a month and preserve a day by day stability of $5000 or more, the ATB Advantage Account
    could also be a better fit for you.

    We will ask you for an e mail tackle through the checkout course of whenever you determine to purchase a services or products from us on We’ll
    use that electronic mail deal with to send you standing updates and change
    confirmations relating to the services you buy or apply for on You can change the email address that we use by
    contacting us, and will probably be updated in our data once it’s
    input into our system. If you are an present ATB Financial buyer and have signed a signature card for an account with
    us, then you agree that we can use that existing signature card for
    some other account that you simply purchase by means
    of this online checkout course of.

    Note: $350 and $25 bonus offers solely apply to the following
    varieties of new chequing accounts: Unlimited Account,
    ATB Benefit Account, College students First Account, Freedom Account.
    BTW, for those who’re an current ATB personal chequing account holder,
    you get up to $a hundred and fifty for each successful friend
    referral. AtB’s Online Retailer can be utilized to
    high-up the worth on your t:card or purchase periodic tickets for
    tram or bus in Southern and Northern Trøndelag.
    Purchases made on the On-line Store are paid by Visa or MasterCard.
    It’s essential to be in possession of a t:card in order to use AtB’s
    Online Retailer.

    For help, please call the ATB Financial Customer Contact
    Heart at. Sign up, tune into the belongings you care about, and get
    updates as they occur. This timeline is where
    you may spend most of your time, getting instant updates about what issues to you.
    Comply with more accounts to get on the spot updates about
    matters you care about. To download the
    free app ATB Mobile Banking by ATB Monetary, get iTunes
    now. ATB Cell is a protected and easy banking app for ATB
    clients on the go. Sensible design makes it simple to pay payments and
    ship Interac e-Transfers or World Transfers right from the home
    display screen. You will see all of your ATB accounts and
    transactions in a wise show and you’ll even designate your favorite accounts for handy access.

    Although there’s no minimum deposit for this savings account,
    the interest rate you will earn will increase for balances of $5,000 or more.
    The rate of interest for balances of $5,000 or extra is competitive when compared to the rates offered by Canada’s
    main banks. In the event you make transactions by way of this account, you may have
    to pay fees after your first free withdrawal or switch.
    The ATB Financial Springboard Savings Account is
    provincially insured. While the ATB Monetary Technology
    Account has a decrease rate of interest than the ATB Monetary Springboard Financial savings Account, the Financial Technology Account is designed
    for purchasers below the age of 19. This account options no month-to-month
    price.

    Following weeks of intensive coaching and after fulfilling rigorous
    compliance necessities, Cashco has totally launched these innovative accounts throughout all of its forty five Alberta shops.

    Cashco front line staff, with the assistance of ATB has enrolled over 1,four hundred new clients in just
    some weeks. Dave Mowat, ATB PRESIDENT and CEO, has also acknowledged
    the altering surroundings for Albertans. The accounts had
    been created to convey meaningful banking to underbanked and underserved Albertans.
    Everyday Use Account options embody: overdrafts as much as $500 with
    no monthly charges and a 25 cent cashback incentive
    on every transaction.

    Then I remembered that a co-employee banked with ATB and so I quizzed
    him on his banking relationship. He not solely gave the bank a constructive evaluation, he was capable of benefit from
    the promotion as well – amassing $150 money for referring me to ATB.
    Convinced that I made an amazing decision, I referred to as up
    the closest ATB branch that afternoon and made an appointment to
    open an account. As soon as I bought to the department, it took about 25
    minutes to get all the things arrange – together with online banking and getting a debit
    card. I selected the essential account, which costs $3.95 monthly and contains 15 transactions.

    Last 12 months my husband and I switched away from a bank that was charging us about $170/12 months to have a chequing account with
    them, to a bank that has no charges and relatively high rates
    of interest on the savings accounts. I am very pleased that we switched,
    as a result of we don’t have to pay any charges if we do not have a minimal quantity in our chequing account, can view cashed cheques
    without cost, and also earn points via utilizing
    our debit or bank card with them. I have been a contented PC Financial buyer for 10 years, however
    I’ll switch if something else comes up. And I in all probability get $20 to $40 in free groceries per thirty
    days.

    Love ATB by the way in which however I ain’t feelin this app in any respect.
    Won’t let me in keeps saying code three. Instances out
    quite a bit and is very slow….in all probability one of many worst banking apps.

    After a pair extra updates since first writing a overview,
    this app still has by no means as soon as labored whereas attempting to deposit a cheque utilizing my phone.
    Deleting the app and going back to doing the whole
    lot on-line by way of my laptop. I think you guys want to add faucet and pay ASAP it’s
    on Android Pay in Canada now get caught up. Replace your app or
    even higher return to the previous model. Noticed that the app was up to
    date today, so I tried once more.

    After calls from CBC Go Public, ATB admitted it had made a mistake by
    not reimbursing ‘Dell and said it could evaluate its procedures to verify it didn’t occur to other clients in the future.
    In a press release to Go Public ATB Financial admitted it made a mistake, would reimburse ‘Dell, and was reviewing
    its procedures to prevent the error from happening in the future.
    She said that after the decision centre opened she learned someone had made a number of calls to ATB between 10 and 11 p.m.
    the previous night, changed her log-in information and
    then made the email switch after the bank’s call centre closed.

    She has previous convictions for dozens of fraud, theft, impersonation and various
    bank card offences. Regardless of a number of requests
    to ATB Financial for an interview or additional remark, including
    to president and CEO Dave Mowat, Go Public received solely a brief
    statement from Barry Strader, ATB’s corporate reporter,
    status and brand. ATB Monetary, identified formally as Alberta Treasury Branches, is an Alberta
    Crown company, and unlike all chartered banks is regulated totally by
    the Alberta government. The Customers’ Association of Canada says it will
    get a number of complaints every week from people who say their banks are refusing to compensate
    them after a fraud claim.

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