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Charge cards can be dated back to the early 1900s. In 1914, what seems purely as a customer service goodwill gesture, Western Union gave some of their prominent (preferred) customers a metal card to be used in deferring payments-interest free-on services used. One source said this card became known as “Metal Money.”
As time progressed so did the charge card. Up till the start of WW II, department stores, communication companies, travel and delivery companies, and oil companies had extended this service to their preferred customers. These company based charge cards were limited by their use exclusively through the issuing company. These companies issued the cards, processed the transactions, and collected the debts from the customer.
In WW II, the use of credit and charge cards was prohibited.
After WW II, credit cards became more accessible to the general public After seeing trends indicating increased travel and spending among those who held charge cards, banks became interested in credit cards-after all they were in the business of lending money, and they saw the profit potential behind attaching interest to the cards.
When banks first got into the credit card business, they were only issuing cards to local consumers. In 1951, the Franklin National Bank in New York, issued the “Charge It” card. Which allowed customers to charge purchases at local stores. This charge card system worked much like credit card systems work today. The consumer made a purchase using the card; the merchant performed a credit authorization from the network, then completed the sale. The bank would reimburse the retailer and collect the debt from the consumer at a later date. Other banks across the nation were impressed with the success of this process that within several years after the “Charge It” card they offered their customers similar services for making purchases at local retail establishments.
In the 1950s the first charge card was developed that allowed consumers to make charges for services and goods from a variety of retail outlets. This innovation was the Diner’s Club charge card, which was established for business men to use for travel and entertainment expenses. The Diner’s Club card gave its members up to 60-days to make payment.
The first “revolving-credit” card was issued in the State of California by the Bank of America. The card, BankAmericard, was marketed all across the state. This card set another milestone in the development of the credit card industry. The BankAmericard was the first card to give cardholders payment options. Payment options like today’s cards, let consumers pay the debt in whole or they could make monthly minimum payments while the banks charged interest on the remaining balances.
By the 1960s, bank card associations begun to emerge. In 1965, Bank of America issued licensing agreements to other banks-both large and small-across the nation. These licensing agreements permitted regional banks to issue BankAmericards and to exchange transactions through issuing banks.
By 1969, most independent bank charge cards had been converted over to either the BankAmericard or Master Charge cards.
Eventually, charge card issuing and processing became too large of a task for the banking industry to handle. That is what lead to the emergence of credit card associations such as Interlink Association, Western States Bank Card Association, and National BankAmericard Inc. Current associations include Visa and Master Card.
The next major changes in the credit card industry involved streamlining transaction processing and reducing credit card fraud. In the early 1970s, electronic authorizations allowed the retail establishment to get approval for credit card transactions 24 hours per day.
By the mid 1970s, the credit card industry started exploring international waters, but had some difficulty because of the name association; “America” in BankAmericard, for instance. This lead to the renaming of BankAmericard to Visa and Master Charge followed suit by changing its name to Master Card.
By 1979, electronic processing was improving. Electronic dial up terminals and magnetic strips on the back of credit cards allowed retailers to swipe the customer’s credit card through the dial up terminal, which accessed issuing bank card holder information. This process gave authorizations and processed settlement agreements in a mater of 1-2 minutes. An added benefit was paper reduction.
The early 1980s, gave birth to the first Automatic Teller Machines (ATMs), which allowed consumers access to cash, and to make deposits, 24 hours a day across our nation and in other countries as well. Credit card holders could access cash in different currencies.
Since its existence, Visa has been a leader in credit card innovation. Because of this they have emerged as the world’s leading credit card association with over 1-billion cards being issued, and carrying over 50% of all credit card transactions conducted world wide.
“Visa (International) is a “not for profit” organization comprised of over 40,000 member Banks and MasterCard is a for “Profit” company who issues credit cards and sets and maintain rules for credit card acceptance and processing. They are both run by board members who are mostly high-level executives from their member banks and industry heavy hitters.”
There are five leaders in the credit card industry: Visa International, MasterCard, American Express, Discover and Diner’s Club. There are others trying to penetrate the industry like check processing companies, Euro Card, JCB and ATM companies but credit cards still account for over 90% of all e-commerce transactions!
Selección oficial Semana De La Critica, Festival de Cine de Cannes 2015 Una producción de Burning Blue (Colombia) En coproducción con Topkapi Films …
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SAP Company was founded by five former IBM employees- Dietmar Hopp, Hans Werner Hector, Hasso Plattner, Klaus Tschira and Claus Wellenreuther. It was founded in Germany in the year 1972. SAP stands for systems, applications, products in data processing. In a year’s time the first financial accounting software was completed which was known as R/1 System. R stands for real-time data processing. The full name of the parent company is SAP AG. It has subsidiaries in nearly 50 countries. SAP AG is the third largest software maker in the whole world and it has nearly 27,000 employers all over the world and over 17,500 customers. It is listed in Frankfurt stock exchange and NYSE. Sap delivers software to small and mid sized companies also. SAP solutions that are used in small and mid sized business are SAP business one, SAP business all-in-one etc. These solutions are affordable, easy to use.
SAP business one is specially designed for small concerns mostly for 10 to 100 employees. It covers the core operations to run a successful business like customer relationship management, accounting, e-commerce, reporting and warehousing and partner management. Sap products and services integrate an organization from financials to human resources to manufacturing and sales and distribution. Because of this integration the companies can optimize supply chains, strengthen customer relationships and make correct management decisions. More than 100 midsize companies implemented SAP R/3 solutions.
SAP R/3 is a software solution for client/server computing. This software can be used by a small grocer to a billion dollar companies. This software is generally designed to meet the needs of the customer. SAP R/3 can be used on several databases like oracle, Adabas D, Informix, DB2 for UNIX, DB2/400 and Microsoft SQL SERVER 6.0. SAP R/3 software is used in many industries like insurance, banking, automobiles, oil and gas, public sector, manufacturing and material, services, transportation, aerospace, defense, construction, pharmaceuticals and chemicals.
Most of the distinctive functional modules are financials and controlling (FICO), Human Resources (HR), Materials Management (MM), sales & Distribution (SD), and Production planning (PP).The most difficult part in SAP R/3 is its implementation. Atlas copco has a different implementation of SAP R/3 from Proctor & Gamble. For example if a company is running SAP and then acquires a new business where SAP is already being used. They may elect to keep both systems separate, migrate one into the other, or migrate both onto a completely new instance. SAP has many layers. The Basis system (BC) includes the ABAP programming language, and is the base of operations and should not be visible to higher or managerial users. The heart of the system is the application modules. SAP R/3 provides an implementation roadmap that is broken into five phases. The five phases and their tasks include project preparation, business blueprint, realization, final preparation, and roll-out. SAP R/3 is a leader in ERP installations and ERP sales. SAP R/3 is based on many hardware and software architectures which is being runner in most types of UNIX, Windows NT, and OS/400.
If you’re a fan of
In first is Kansas’ Allen Fieldhouse. Built in 1955 it gets 16,300 fans surprisingly close to the action and makes your eardrums feel on the verge of popping. This place has a charm to it that you just can’t find in many arenas. Composed of almost all bleachers fans can populate this building with ease. It was ahead of its time with the bleachers in the corners angled in toward the court and three concourses that spread out the crowd to relieve pedestrian congestion.
Minnesota’s Williams Arena comes in second. Built in 1928 it’s historic and charming. With a raised playing floor, the first row of fans look at the players at about knee level. They also did a good job of honoring their history by having large banners hanging in the arena of past Gopher greats. The concessions won’t put a strain on you’re wallet either. This arena can hold about 14, 395 for basketball.
Butler’s Hinkle Fieldhouse is another one built in 1928. Try to catch an afternoon game when the sun is shinning in from the windows at the top of the arena as if the heavens are watching the game too. If it doesn’t send chills down your back, you are not a genuine hoops fan. The Fieldhouse can house about 11,000 for basketball.
The historic Palestra home court for Penn comes in fourth. It was built in 1927 and seats 8700 for basketball. It is loud and when you walk around the outer concourse, you get a real sense of the history of this sacred basketball building. There are pictures of many of the past greats from the Big 5 who played there hanging on the wall and in display cases.
Finally, Duke’s Cameron Indoor Stadium ranks fifth. The student crowd, known as the ‘Cameron Crazies’, are mind blowing with their well-embedded actions and chants for all 60 minutes of the game. A forceful half-time show gets everyone pumped as well. Fans have to squeeze in here a little more than they would like, but the history is great from the architecture of the building to the numerous displays documenting the past. The stadium seats 9,314 screaming fans.
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Cr.video: Naver Starcast Subtitulos al inglés: Infinite Updates Subtitulos al español: Angeld1322 This video doesn’t own me. No copyright infringement intended.
AIRE LIBRE SINOPSIS: Aunque les cueste admitirlo, Lucía (Celeste Cid) y Manuel (Leonardo Sbaraglia) ya no tienen deseos compartidos. Casados y con un …
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Adaline Bowman (Blake Lively), quien a los 29 años milagrosamente dejó de envejecer por ocho décadas, ha llevado una vida solitaria, alejada de todo aquél …
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Estreno 30 de Noviembre 2012 , entérate de todos los Estrenos cada jueves en :http://lnndemtnewst.blogspot.mx/ Unete en Facebook: …
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Aqui Estare Subiendo las Peliculas Para descargar Gratis, Por mega Para evitar Problemas En YouTube Por Copyright 
http://tuspelislatinohdyt.blogspot.mx/ …
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Noise abounds in every industry regarding sustainability and green initiatives, and banking is not to be left behind in the race for environmental policies aimed at a public that is quick expecting it as part of day-to-day business procedure. But which banks are just jumping on the green bandwagon and which banks are changing their infrastructure or have built a bank around environmental and humanitarian stewardship?
A recent article by Marina Shifrin from MyBankTracker.com tells us that Bank of America, Morgan Stanley and Wells Fargo all are playing the green game and announcing they will no longer support the environmentally damaging causes they’ve supported in the past. While I believe this to be true, I am also a skeptic and believe that big business is first and foremost concerned with making money, otherwise, it wouldn’t be a business.
Banks Doing Good:
New Resource Bank out of San Francisco is a “Planet smart banking [that]…works for people, planet and profit in everything we do.” New Resource Bank has, “LEED Gold-rated headquarters, ongoing initiatives to reduce our resource consumption, community contributions and programs that educate and engage customers.” They also have an entire page called, “how we’re sustainable”, and a blog touting the sustainable businesses they’ve helped support. They are located in San Francisco and that is currently their only branch, but they do have a reimbursement policy for ATM withdrawals up to five per month, domestically and internationally.
BNP Paribas, which calls itself, “The Bank for a Changing World”, has well-marked corporate responsibility and sustainable development pages. They are in the process of building, “a new Corporate Philanthropy program whose aim will be to support research projects on climate change.” They have a blog, “for employees, partners and websurfers to share goodwill initiatives.” They are the parent corporation of First Hawaiian Bank and Bank of the West. “Founded in 1874, San Francisco-headquartered Bank of the West is one of the largest banks based in the West and among the largest commercial banks in the U.S. Bank of the West is the nation’s third largest agricultural lender and the number one indirect financing lender to nearly 4,000 auto and RV/marine dealers throughout the U.S.”
People’s United Bank is primarily an east-coast bank, although I typed in my zip code here in California and could have continued to open an account from here. People’s seems to focus on local humanitarian causes focusing on children, art in schools, children with disabilities and homeless shelters, donating significant amounts each year to various institutions.
If none of these banks appeals to you, or has service in your area, the best way to know where you’re putting your money is to research your local banks and call them up or go in and talk to them about where they’re investing your money. Be sure and know who owns the banks you might think are local. For instance, out here on the Peninsula, I thought that First Republic was a small, privately owned bank. Not so, they were owned by Merill Lynch. And if, like me, you don’t read financial news when you live outside of the country, you might not know that in 2008 Bank of America acquired Merill Lynch.
I happened to luck out and open my first US checking account in a decade at Bank of the West, though my choice was based purely on the fact that I opened up my first ever checking account there when I was 12. It’s good to know there are other options out there, and if the interest of Big Banking in sustainability maneuvers is any indication, there will be more socially and environmentally responsible banks from which to choose in the not-to-distant future.
– Jocelyn Broyles © 2011
[1] InternationalRivers.org
[2] “Responsible Credit Cards ” Published May/June 2008 on GreenAmerica.org
La película Dominicana “Pal’ campamento” es una comedia dirigida y protagonizada por Roberto Ángel Salcedo (Robertico) y cuenta con la participación de: …
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Segundo trailer de “JULIETA”, la nueva película de Pedro Almodóvar. Estreno en salas españolas el 8 de abril de 2016. Propiedad y Derechos de El Deseo …
Release – 2016 Resident Evil 6: The Final Chapter / Movie trailer (2016) / *Milla Jovovich.
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‘El Libro de la Selva: The Jungle Book’ se estrenará el 15 de abril en cines. Es una nueva epopeya de acción real sobre Mowgli (con el debut d Neel Sethi), …
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Subscribe to INDIE & FILM FESTIVALS: http://bit.ly/1wbkfYg Subscribe to TRAILERS: http://bit.ly/sxaw6h Subscribe to COMING SOON: http://bit.ly/H2vZUn Like …
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Estreno en México: 27 de mayo 2016 Síguenos en Facebook: https://www.facebook.com/UniversalPicturesMX/ Género: Comedia Elenco: Seth Rogen, Zac Efron …
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Hola amigos (((( SUSCRIBETE ))))) Entra Aquí Historias de terror http://historiasdeterror.website/ peliculas de terror buenas peliculas de terror recomendadas …
Florida has intention to become the new International Finance Center in USA. The development of the economy, mainly the increasing number of tourists in the Miami area, has made the Fifth Metropolis in the country a home of over 120 banks. As a result of the increased financial power and the title of 2nd financial city in the US, Miami has become a home of many corporations, whose number is increasingly growing.
Working in Miami has been an adventure by itself. The unique “paradise on the earth” feeling accompanied with an amazing number of vacancies in every possible area of interest has made Miami the “love at first sight” work location for the consecutive past few years.
Trying to get a Bank job in Miami can be a complex task, considering the number of opportunities and different criteria and approaches the banks have. Oriented to self growing direction or excellent customer service primarily? You prefer casual or more sophisticated approach? There is a spot for everybody.
At Sun Trust Bank for instance, they seek creative and career – oriented people willing to strengthen their market presence. For experienced and those who are beginners, they offer competitive opportunities that will develop their professional and personal goals. The full “package” contains of ongoing trainings, development and rewards for their contribution.
Transatlantic bank has offered to make the life of the customers easier and more convenient. But how this match your professional needs when looking for job? Dedicated to superior personal service, they have a specific approach to develop a unique difference of a local community bank with global resources. There are seven offices serving the Miami – Dade. The modern banking technology have made the point of decision to those who recognize themselves as a progressive and committed to this mission style.
JP Morgan Chase and the Chase Bank have a presence in over 50 locations worldwide. A fact to consider when looking for diverse attributes of your future job. Very competitive goal, to be the best financial services company in the world has made a big impact on all future bankers all around the world. The feeling of belonging to such a big family and to have competitive offers that stay competitive is maybe just what you need.
Bank of America have always been a part of everybody memories, when talking about banks. Every tourist, every American, they all have the Bank of America logo somewhere in their picture of America. Bank of America is the largest bank holding company in the US and the second largest bank. Their presence in more than 150 countries and the connection with 99 percent of the US fortune 500 companies, has made this bank a serious choice when looking for job in banking. Easy to connect to any living place in Miami, as they are over 50 locations in this area.
Total Bank is oriented to the finest service possible. Strengthened by Grupo Banco Popular Espanol, they have developed to one of the biggest community banks In South Florida. Encouragement for continuing the education of their employees have been the reason to establish the TotalBank University, where the employees can perform various training programs. Oriented to personal development, TotalBank have made a significant distinction and gave the courage to all future candidates, feeling the unlimited opportunities which can make their career goals to become true.
City National Bank of Florida has offices in Miami Dade, Broward, Palm Beach, Stuart and Orlando. The accent to equality in choosing the candidates can make the future job seeker feel safe. Dedicated to drug-free workplace, they perform pre-employment testing. If you are oriented to “family like” working environment, where the relationship between the customers and employees are strongly encouraged this is the first choice for you.
The Ocean Bank is the largest independent state chartered commercial bank in Florida, with over 10 location in Miami. They make their mission easy to recognize, especially when looking for job in banking. Passionate to help people exploring the various financial products, they make every moment to guide you to the right opportunity. They provide dynamic work environment with diversity as a major sign of their development.
Bank Atlantic is striving to be the most convenient bank in Florida. Oriented to easy going approach, claiming to incorporate the Fun itself in every aspect of the service. Interesting way of expressing your banking abilities, if attracted by their style. From their business casual work attire, to the unique corporate culture, all put together for motivated and enthusiastic job seekers.
At Wachovia, a Wells Fargo Company, they pay a lot of attention how to attract future employees. As soon as they get them, they also pay attention to keep them motivated. A stable, rewarding career, with mutual respect is maybe what you just need. There is a recognized fact about Wachovia, to be a great place to work.
Bank United can be your choice if you are looking for competitive salaries and incentive plans. Established in 2009, it is privately held with more than 75 branches in 13 Florida counties. Joining them as one of the strongest financial institutions in the country can be the right move for the future bankers, willing to contribute to the overall success in serving individuals, families and growing businesses.
Accepting yourself as you are is about knowing yourself well. Our society creates an expectation that we fit into certain criteria and are able to perform well in everything. This is unrealistic but it causes many individuals to become insecure and diffident about themselves. Few people can do everything well but have skills and abilities which are valuable.
An aspect of modern life is that we are not expected to say ‘I can do that,’ with confidence or ‘That’s something I find difficult to do’. There is an element of shame about not being able to do something. If we were all able to do everything the world would be a less interesting place. The fact that so many people have different skills, strengths and abilities is what makes the variety appealing. It is a constant stimulus that others have ideas different from our own.
In accepting our limitations it would be sad if we settled for that with no attempt to develop. This can take the form of learning new skills, becoming more confident in dealing with others, establishing new relationships, in fact learning. When we stop learning we stop living.
To know ourselves it is worth considering what our default behavior is. When we are tired how do we react. Do we search out others for the stimulus they offer or do we prefer to retire to a secluded area to refresh ourselves? Do we think about how people react to a suggestion or do we organize something without considering how it will affect others? Is life unbearable when there is disorganization and chaos, or are we content to wait and see how things pan out? These are all vital aspects of understanding ourselves. We can accept that this is how we are. It is neither good nor bad, it just is.
When this is understood, then we have the freedom to become more. If we are sticklers for order, try doing something spontaneously. It will be scary but might have some interesting effects. If we like to plan things regardless of how it affects others, considering the human impact and incorporating it into the idea allows for our development. Each of us has a different approach to living and interacting. For this reason each has something useful to add to the community.
An issue which creates some discord is that society needs order to function and we are taught how to behave. This creates a block for some of us because we are afraid of doing the wrong thing. Knowing ourselves, however, means that we can develop the under functioning parts of us and still fit into our communities.
Tonto y Retonto 2 (Dumb and Dumber To). Protagonizada por Jim Carrey y Jeff Daniels, se estrenará el próximo 14 de Noviembre. Subtitulado por mi.
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$10000 Loan With Bad Credit- It Can Be Done!
During the financial crisis that the nation has been experiencing for several years now, more and more people have been finding themselves unable to pay their bills. Mortgage payments, car payments and, for business owners, payroll have all become increasingly harder to pay. As a result, many people have been turning to short-term loans, revolving lines of credit, a loan consolidation to assist them financially. For those with bad credit, however, securing a loan may seem impossible. Fortunately, though, even someone with bad credit can receive a $10,000 loan by following a few easy rules and becoming familiar with all possible options in order to decide what the best move will be.
What to Do when Faced with the Need for a Large Loan
Nowadays, it comes to no surprise that many people, especially business owners, are in need of loans in large amounts of $10,000 or even higher. Though this is understandable, if you are one of these many people, it’s important for you to step back and carefully think about why exactly you need a loan in this amount and how you plan on paying it back. If you are spending significantly more per year than you are making, or if you are currently unemployed, it is probably a good idea to not borrow any more money to avoid sinking deeper into debt. Ideally, the only type of person who should be taking out a very large loan is someone in transition. If you were recently offered employment but will not begin your new job for a few months, a large loan may be necessary to keep up with your expenses until you start working. Otherwise, those considering taking out a loan of $10,000 or more should probably focus on managing their debt rather than creating more.
With that in mind, even once you’ve decided that securing a large loan is in your best interest, it is highly recommended that you eliminate some of your more substantial expenses and payments. For instance, it may be smart to post your auto lease online so someone else can take it over. A lavish lifestyle and the accumulation of debt do not go hand-in-hand, so make sure to get rid of excess. Once you’ve settled on securing the loan and you feel confident that you’ll be able to pay it back, the following are potential options open to you:
Signature Loans
Signature loans are exactly what they sound like: loans secured by a signature. Designed for those with excellent credit, securing a signature loan will typically require a steady job and relatively high credit score. Also, they tend to carry high interest rates of 11% or more. For those with bad credit, a signature loan is probably not your best bet.
Auto Loans
If you have a car that has been paid off, an auto loan may be your best option if you don’t have exceptional credit. As long as your car currently books for over $10,000, using your car as collateral for the $10,000 loan is very possible.
Home Equity/Mortgage Loans
If your home currently carries equity or if it has been paid off altogether, it will probably be rather easy to secure an equity loan or a mortgage for the money. If you have bad credit, it would be a smart idea to save up a good down payment, and eventually, it is important to refinance as soon as possible to avoid massive spending on excessive interest rates.
Private Loans
If the above types of loans don’t appear to be smart options for you, you may want to consider private loans. Although private loans are not the easiest ones to secure, you can start by turning to family members, who will probably loan to you even if you have poor credit. Though this may sound somewhat embarrassing, it will be worth it in the end. As long as you take the responsibility to get rid of other excessive expenses and be proactive in getting back on track financially, family members will see that you are serious in paying them back.
Personal Loans
Oftentimes, when people refer to personal loans, they are talking about signature loans. As mentioned, it is difficult to secure these loans with bad credit because you are viewed as high-risk to the banks. In order to get a personal loan with bad credit, you will need to find a cosigner who can use their credit to help you secure the loan. The best people to ask to cosign with you are family members, friends, and spouses.
Descubre todos los estrenos y noticias de Fox – http://bit.ly/FoxES En este nuevo capítulo de la trepidante saga EL CORREDOR DEL LABERINTO, Thomas …
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Mirá el primer trailer de #AngryBirdsLaPelicula que llegará a los cines en mayo de 2016! En esta desopilante aventura 3D finalmente vamos a descubrir por …
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Lenny (Adam Sandler) se ha trasladado con su familia a la pequeña ciudad donde se crió junto a sus amigos. En esta ocasión, los adultos serán quienes …
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En Abril… solo en Cines :’v.
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Recent proposed laws are requiring
Some Realtors in their zeal to secure a listing and sale do not work with the
Many
The above mentioned
Real Estate will recover as will the
If you have questions regarding a short sale in the Phoenix Arizona area see us at http://ralphandtricia.com/shortsales.htm
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Molesto por mudarse de una gran ciudad a un pueblo pequeño, un adolescente Zach Cooper (Dylan Minnette) encuentra el lado positivo cuando conoce a su …
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Estreno: 20 de Noviembre de 2015 Las alarmas de Koldo entran en Defcon-3 tras enterarse de que su hija Amaia, tras romper con Rafa, se ha enamorado de …
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Dead 7 movie official trailer (2016 film), starred by Nick Carter, A.J. McLean, Howie Dorough (Backstreet Boys), Joey Fatone, Chris Kirkpatrick (*NSYNC), Jeff …
