Business

The Euribor continues its fall sharply

Posted by Daily news 31 August, 2009 (0) Comment

euribor5 copy The Euribor continues downhill without brakes. In August, has once again reached a all-time low , and you are no less than six straight. The index closed the month no less than 1.334% , resulted in an average decrease mortgages 316 euros , a decline that comes very good to them that we are dealing with the slope September , end of vacation, back to school, etc..

To all those who leave have left them shaking their pockets, they have left at least this consolation, your mortgage will be much cheaper. That yes, they have touched revise the mortgage before the fall must be pulling their hair, and no wonder, because the steady decline of interest rate, have benefited.

But it seems that the trend remains bearish , how long? Be asking. That few know it, all you do is certain is that if you have the entrance next to a floor or touches check your mortgage already, you’re in luck, because these guys are the lowest in decades, and possibly down somewhat more, although I do not think the differences are as high as those that have been taking the previous months, is more, the trend indicates that the values will stabilize. The same will happen if we are thinking of a surrogacy , because the change applies to the mortgage value in effect at that time.

To curb this trend, banks have opted for impose a minimum mortgages new recruits , which by far the Euribor to drop further, it will be a moment more not less. This initiative shows that banks and financial institutions are seeing the wolf ears and see how the end will not get the expected benefits. So much care for the “small print” if you’re in the process of getting a new mortgage.

From Captalis , we offer a wide range of mortgage products as you could compare them, and, of course, hire them. Moreover also put at your disposal the tools calculators with which to make an assessment of it would cost to perform each operation, and what is the cheapest we would. That’s why I encourage you, if you are thinking of getting a mortgage or any financial product that you pass you by our channel bonding, and discover all that Captalis is prepared to facilitate the task of consumer choice.


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    Spain leads the consumption of white markings

    Posted by Daily news 24 August, 2009 (0) Comment

    marca-blanca Some time ago you commented on the possibility of using white label products instead of other well-known brands as a good option for to save money . Well, dear readers, because we are first in something, we are the European country that makes more use of these products.

    The Spanish are the most consumed , I agree with that large group, label brands in Europe , or at least that is what is poured from the news agency has issued Europe Press . According to published some national media, the percentage of white markings on the mass consumer market reach cornering the Spanish 32% of total , some data is significant because these products are obviously cheaper than the rest.

    This increase in the sale of these products plus the current economic situation, which encourages us to be more responsible consumption and the pocket watch ever to be making the purchase. In all these cases, l the quality is not related to the price , and the vast majority of white markings items often the same quality as their “brothers recognized.” This figure puts us ahead of countries such as German , which has a 31% product Holland or UK .

    But this study can make out another premise, white marks trump everything inside the specialized chains in the discount sector , up from supermarkets and hypermarkets. And most products have been increased its sales have been the preserves , milk and frozen .

    That yes, in Spain, you can save on everything except drink . This category, as published this study, is the most widely from the others, and is where the Spanish are more accustomed to consume marks . That is, the Spanish are delicious when drinking, not quenched our thirst with anything.

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    Banks and betting on the sale of flats

    Posted by Daily news 21 August, 2009 (0) Comment

    piso With the housing market falling, banks have found a new market in that way, the market for the sale of flats . When we have mortgaged a flat and it’s time that we can not afford the property in question is usually over by banks and savings banks, in this case our floor, which also joined the real estate story.

    Banks, to see how these seizures were becoming more common, have opted to take advantage of, and some have created a kind of real estate with which we are bringing to market these properties, with Price usually below the market today , also flats aimed at getting new customers or new mortgage financing.

    Both banks and savings banks are willing to sell these properties, although in the case of banks is not so clear yet. However there are already boxes on their portals offer these products to its customers for sale. La Caixa, Caixa Catalunya, Cajamar, CAM, Caja Madrid, Caja Cantabria Caja Navarra and Caja Canarias are some examples of entities that handle such cases on their own websites. In addition, the Grupo Cajas Rurales the Cooperative Bank Spanish and Rural Information Services ( RSI ), has established the company Property Management Virgin Hazards ( GIVP ), which will also be a generic real estate portal and personalized portals for each of the boxes they want to publish their rural real estate assets. In the case of banks, but there are some who sell these products, such as BBVA, Santander and Banesto . Ie, if that’s not enough, and deals with financial products, real estate agents as they can with the houses that have been requisitioned to customers that have not complied with the contracts signed.

    That’s why if you’re one of those people who are currently looking for deck, I recommend that you paséis by the websites of these entities and echéis an eye to what they have, because I know you can find your house dreams and funding for you to have it.

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    GolTV Launches Pay DTT

    Posted by Daily news 19 August, 2009 (0) Comment

    tdtpago When to leave is less of TV as we know, and what ever is less for the analogue blackout! Do not panic. We have heard ad nauseam in the media that digital is good, but yes, good for whom? I have no doubt that digital is good, even we have to channel DTT pay much better than analog, but that it, as any developments that would benefit from.

    After that several thousand people have already acquired their terminal DTTs in recent months now skips the news of the passage of the law that allows payment of DTT .

    The first model of this television channel is GolTV , which will provide for payment, the parties of the major soccer leagues. Gol TV, which obviously replaces the channel Home 10 , (who are regulars to digital television will know). However, this decision is a direct competition with the interests of soccer channel Digital Canal , League has been launched recently.

    The point is that all media have already applied for licenses to operate DTT pay, but for now the only one who has it is this channel. I will not go into why this and not another channel, what concerns me is how many people have already made with a DTV tuner or a TV with integrated DVB-T, many of them without being aware that the blackout Analog did not have a 100% certainty that they serve. Now that those TV tuners and what worth.

    Well, the business starts here. Existing tuners will serve as so far, but if any of us want to tune one of these pay channels, you should get a new tuner, which allows the inclusion of a card, a PCMCIA module or acquire a decoder . Ie, more money for the TV business.

    However, if you are not interested in these pay channels, any TDT , as we have in our channel electronics, is valid . This development is one which is direct competition with satellite channels that exist today. If we did not have enough change to buy a TV set and DTT decoder, we now look for a specific pay channels. Ladies and gentlemen, has been the closure of the digital age, anyone is more


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    Unemployment Assistance: 420 euros Temporary Protection Program

    Posted by Daily news 17 August, 2009 (0) Comment

    buscartrabajo Finally here is the only announced help of 420 euros to all those who have exhausted their unemployment benefits. These grants are aimed at those unemployed who have exhausted their benefits were paid for the time and do not have income higher than 75% of the minimum wage .

    All people who are in this situation may receive aid for 6 months , extendable if the unemployment rate does not exceed 17% of 6 months in 6 months . < >

    The government’s announcement that it has not seemed liked at all levels and have raised their criticisms against this measure. However, whether or not feasible, it appears that the Government has set the end the real losers of the current situation, workers, and is developing policies that can make easier, although this is only an expression, the fact remain in unemployment and deplete our benefit.

    But this is not the only measure taken, have also been approved

    linked support training and are intended for all those unemployed who are under 65 years , and who have exhausted delivery of the day August 1 to 180 calendar days of that date . But of course this requires lack of income 75% higher than the minimum wage and have not exhausted the extensions of unemployment.

    If you wish to request this service, we must commit to participate in

    training job . To do this we will have two months to apply for assistance from the time we have exhausted our supply. However, if part of the aid we can go forgetting that grant aid from other administrations, because they are incompatible.

    With these measures, which the government is trying to do is alleviate the current situation because many people who were unemployed at the beginning of the year look like they were ending the strike and their situation is not resolved. But

    this will be enough to solve the employment problems we are experiencing at present? Just 420 euros a month to live? When will the job market to lift head These and many other questions are what makes many of our readers who leave us every week in our post comments on employment and unemployment.

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    Jazztel and Vodafone leading the high ADSL

    Posted by Daily news 14 August, 2009 (0) Comment

    operadoras During the second quarter, Telefónica has been overtaken in the first post of ADSL connections in Spain . For over the last quarter of this year, the operator has seen blue like many of his customers have changed their company, looking for higher speeds at lower prices, and no wonder.

    Telefónica and other large Internet operator for the last years, Ono , have been reduced new high ADSL dramatically, it has increasingly been losing customers for the alternative operators that have emerge. And the most benefit? Jazztel , which has seen over the last quarter of 2009 captured 47,200 new customers , followed by Vodafone with 41000 new fixed line ADSL. While telephone only has 39,600 new customers and ONO 6500 . Without doubt the crisis is making an impact on users who choose to hire the best deals and they are new entrants, who are pulling the house out the window with the prices.

    However, this rule does not apply to all companies, as Orange with very succulent offerings, have seen 30,000 customers were leaving their ranks to join the competition.

    No doubt these data show that the monopoly of Telefónica is now history, and alternative operator q1ue lead the number of discharges for three months means that the mentality of consumers in Spain is changing. For those who are looking for an ADSL or change of company, from Captalis make available the ADSL channel in which to perform an exhaustive comparison of all bids, and of course, so do the hiring directly, finding a lot of offers broadband connection.


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    Nokia and Microsoft unite against Google

    Posted by Daily news 12 August, 2009 (0) Comment

    img19061nokiamicrosoft4xx7 This morning when I was looking at the press, I discovered a press release that called my attention. Microsoft and Nokia together! Yes, as you can see, the computing giant, will make the need software to the new terminals of the Finnish company . Ie, within a little from Nokia will be able to access any of our tools of office. Surely a fight against the HTC .

    Google Magic

    The fact is, as we can see, the world of computers and the Internet and mobile telephony is becoming more united . If some time ago we were surprised with the phone that launched the Mac market with a great sense among the public, the witness then took the Google, and now they are the disciples of Bill Gates which have decided to make the leap and offer their best-known applications in mobile terminals.

    Those who follow this blog already know me, say love hate relationship with the company’s Window, and they know that is not my devotion, I prefer apples or even penguins. But I must say that if there is a Windows application worthy of being on my computer, this Office is without a doubt.

    The new Office package will have as its main rival the ubiquitous Google to also has similar applications , but unfortunately not with the publicity that has Windows and Word or Excel. Because we like it or not, we refer to text files or spreadsheets with names such as standardized in our language.

    But I do not want to leave aside the fact that Nokia is the company that has opted for this, I guess to see how their closest competitors like Apple, HTC or Blackberry, already have similar tools from other vendors. < >

    Has undoubtedly opened a new market niche and a new window to mobile applications, where the fighting is served

    for what you apostáis I honestly, I see the future, though he will not come Mac at the course, I hope that these applications will function properly, more than once left me hanging my old computer running any of these programs.

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    Reducing wages is the solution to the crisis?

    Posted by Daily news 10 August, 2009 (0) Comment

    CEOE Lowering the minimum wage as a 1% to resolve all outstanding agreements are signed between patronale and Trade Unions is the proposition is that since the first da for the to reach an agreement as soon as possible . No doubt a measure that will not please everyone but it seems to be enough for both sides to reach agreement and move forward together towards overcoming the crisis.

    This measure, I do not think is very well received by workers, is presented as the of the plunger current work situation , since the unions although this proposal has not been well received. Nevertheless, since the employers are still pushing for measures that are part of unpopular, but which they may help to overcome the period in which we live in today.

    Yes I must say that this proposal, which has been advocating so far, a cheaper dismissal, there is a gap, and employers argue that they have never made such a proposition as its president Gerardo Díaz Ferrán .

    What we do is done from the employer, is urging the Government to participate as a referee, but that’s it, so that does not benefit any party, to end the situation at present and that its predictions will get worse.

    If we start to think that would look cool if it is better to charge less or stay unemployed. Undoubtedly the most bet on the first term, especially in these times when the work is not exactly a bonanza period, taking into account the reduction offered is minimal. Although this measure, which reminds me of what we already talked a few weeks ago on the steps of the companies to tackle the crisis will not affect the long list of unemployed, if they are lucky enough to find a new job can see in wages will be lower.

    However, ¿ you think that this measure will have the desired effect, or simply serve to reduce costs and that employers spend less to build ? ¿ unions should accept this proposal Opinions ? there for all tastes and colors of course, is not the same as you pay down the 100 to 300 euros, that is why the debate will continue.

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    Do you work for free to keep your job?

    Posted by Daily news 13 July, 2009 (0) Comment

    bajadasueldos Many steps that companies must take to address the current economic moment including even offering their employees not to charge for a certain period of time or even to force them to take a month’s holiday to try to earn some money in their coffers. One of the most affected sectors (not only) is the airlines, which decrease the amount of users is increased competition, notably by the arrival of low cost.

    One of the first airlines were forced to take action has been BA , which has proposed to its employees, some 40000 , no charge for one month to reduce costs . Even the directors have joined the initiative of payment. British but not the only one who is going through a bad time. In our country, one of the major airlines, Iberia , also had in mind mandar a month to house workers for cost savings indefinite , but in this case would not be without pay, if not a reduction as if they were a holiday, but the measure has not been carried out .

    But not only the airlines are going through dark time. These cuts also affect other sectors as large as HP or the communications agency’s largest, PRISA . In this car to offer rebates on wages and holidays required, add a few more companies who see the need to reduce costs dramatically.

    And that is a major economic burden for any company (especially larger), is always the mass of employees. If you need to make a regulation of the template leaves a lot more expensive fire, as this entails appropriate compensation. So to avoid this, what measures are promoted in which workers and managers, make all effort to not end up on the lists of. All this adds to an excessive number of unemployed makes the struggle between them is greater than ever, and many companies exploit this position to hire new resources to the lowest price. Ya know, if you can hire someone for half of what it is … why pay for another double.

    A very happy little truth, especially for those who are in difficult situation in their jobs, or those who are without them. In response to purely economic, consider the productivity of a person who knows that even the best efforts made in their work will always pay less than it deserves, as well as the shadow over his dismissal, which the sword of Damocles. A status no doubt that many workers desmotivaría , something that clashes with the goal of getting companies to increase productivity.

    In this case it seems that the companies “are forced” to such measures, and is supposed to be a situation in which both workers and business lost. Should be placed in a similar situation to be able to weigh all these factors, what we would prefer, work for free for a while or mass or bankruptcy of the company … Tough choice, difficult for many workers, who ultimately are the ones who usually pay the damage.

    But to have a greater knowledge of these situations is better than ask our readers tell us how they are living , if sustained, such shares of the companies, which often involve steps to remain in the market and not to dismiss all employees.

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    Google re-load the Google Chrome OS

    Posted by Daily news 10 July, 2009 (0) Comment

    googlechromeos The Internet giant has returned to the hood and slowly copando market niches that the network has to offer. Yes friends, I’m talking about Google and new operating system for ultra Google Chrome OS . For many a product that should have come before and others that a product does not meet your expectations, the only thing we know for now is that it will arrive soon, although initially only for ultra-. Who knows if in the future we can have on our desktop. At the moment it is expected that the second half of 2010 laptops already equipped with the Google Chrome OS.

    Suppose that this new system will, like all Google products, intuitive but developed web applications to as the browser Google Chrome . The new owners of the internet browser world’s most well known, used as a basis for its operating system known as the Linux , which will surely help many developers to rapidly rising car.

    It seems that the strengths of the new system are speed and Safety , and therefore many are rethinking the ways in which the practical application is that we know today as make your web browser.

    Google seems to lie what is taking place in the world of the Internet, leaving a small room where two students developed a computer search engine giant we know today, and against which almost no one dares to fight back. They have introduced their products and developments in the world of mobile telephony with the newly released Android which already incorporates some mobile as the HTC .

    Magic

    , However, believe that the almighty ¿ portal will be able to unseat a Mac or Windows on top of operating systems ? does not have Linux, which has its base and I do not think are direct competitors.

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    Life insurance for Michael Jackson

    Posted by Daily news 9 July, 2009 (0) Comment

    michaeljackson Turn on the TV or read the newspaper and it seems that something else has not happened in recent days other than the filing and presentation of the spectacular Cristiano Ronaldo the Real Madrid and more felt that death of pop icon for excellence, along with Madonna, Michael Jackson . I must admit that when I was a kid I liked a lot, although my musical tastes have gone a different path, but has undoubtedly been one of the best time to sell. Has been so profitable that in spite of his debts, his death has brought an income to his family millionaires.

    Says in his blog Angel del Amo, the king of pop had contracted a life insurance policy with a value of over $ 17 million . Of course, this policy covered in the event of the death death accidental . Among the forms of accidental death, the overdose is one. So the rumors have escalated in recent days.

    In this case, the policy covered only accidental death, given the profile of the person you cover, but there are types of life insurance , they offer their clients various coverages.

    If one of us was interested in hiring one could choose between two basic types: life insurance and insurance temporary . The first case, which gives us is the sum insured to the family, once certified the death as long as the conditions of death listed in the contract. In the case of temporary insurance, payment is done by companies only if the death has occurred between the dates agreed in the contract. In this type of insurance we have many classes to suit all tastes and colors, there are , annual renewal where the premium increases progressively as we renew the insurance, insurance savings , in which we charge our insurance during retirement (perfect for those who want to enjoy life once they have completed their working life) and the deferred capital , which requires the insured is alive in order to cash.

    This is how the musical legacy left by Michael, you are joining millions of dollars, not only for their life insurance, but also for their rights and their songs. Since his death, the singer sold 2.6 million songs , and that number increases every day, on the Internet, making eight of their albums among the best sellers. Hence increase the legend of the fictional singer’s death in a bid to relaunch his career, spotted over the last years of scandals.

    It appears that the beneficiaries of the death of the myth and become Michael, will not have to worry about money, at least for now, since they are already prepared, apparently, a DVD with the singer’s last days, while preparing his last tour that it would take around the world again. But money and controversy aside, nobody can deny that has been a big music history, as Elvis.

    Michael Jackson rest in peace.


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    Review of mortgage … do it now!

    Posted by Daily news 8 July, 2009 (0) Comment

    logocaptalisblog Let the banks always put the rules for your own benefit … this has always been and will remain so. The theme of the review of the Euribor every so often (usually annual), in times of growth, when granting mortgages left, right and center, is a minor issue, those that are mentioned in passing and no one I watch as a stumbling block to stamp his signature on the contract for your mortgage. But if the economic cycle changes and is now not come so easily to the end of the month, any change in the delicate balance of our spending can lead to tear up our economic planning. It is at this moment any potential savings should be taken into account and weighed in good measure.

    One of these settings is often review the interest rate on our mortgage which, as every good law of Murphy, the worst is when you touch something. If anyone had a review of your mortgage in the second half of last year, will face a very high Euribor, which joined the differential charged by banks, it could put the loan interest rate between 5% and 6% . Euribor remember that October is the one that applies to revisions in December (as published in the latest Euribor Euribor BOE is of two months ago). Even as those reviewed in November, caught one of the Euribor 4.35% … And it all year! How things change in a few months. This review and with the values in the Euribor, 2009, at historical lows, which would be paying a 3% .

    But all these things are clearer with numbers, here you get an example. For a mortgage of 150,000 euros, we would save about € 2,500 in a year , which 200 euros per month , calculated with a loan to 20 years. Obviously, a larger amount, monthly savings (although not a direct proportion).

    As you can see the numbers are quite interesting … and that so far not mentioned the difference, which can also be something quite old in terms of having your mortgage. We’re talking that if you sign the mortgage and a few year old, this value can go from a 0.75% or even 1% to values below 0.50 %.

    But (there’s always a but, right?) Any banking transaction, you have to deal with a variety of expenses that need to get into the equation if we are not surprised. I recommend you take a look at the full tutorial of subrogation to any information you have and what you valoreis really represents change.

    And, after all, you finally decide you can apply through the subrogation Captalis for your operation arrives at an agent specialized and you make an assessment of it without compromise.

    Do not wait, you’re losing money.

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    Cristiano Ronaldo and Banco Espírito Santo joined by advertising

    Posted by Daily news 8 July, 2009 (0) Comment

    Cristiano Ronaldo

    cronaldo no wins in ink pen, but with what is going to win in the season Real Madrid I think we can afford it. And I do not mean the white signs with the club to join him for the next 6 seasons, but the firm has with the bank luso Espirito Santo , to be its image in the new campaign Spain and Portugal. The Portuguese player will be the image of the institution for a new reservoir which will name “ CR 3.15 %”.

    Building the image of the highest paid footballer in the world, the Banco Espírito Santo has paid no less than 2 million to get the futbolista image , which already beginning to deliver benefits to Madrid in the form of cash, do not forget that Real Madrid signed a clause whereby the 50% of its advertising revenue would go to the club.

    The product in question is a deposit three years to with APR of 3.15% and says both returns the capital < >. Christian, who already has tables in this advertising, has recorded a television spot for , but that will only be issued in Portugal (at least for now), which ensures that your money will remain in the entity Portuguese within 3 years, but his football future is not too clear. This announcement was recorded before signing with Real Madrid of course, because the player has signed for 6 seasons, and not three as stated in the announcement message. Here I leave with you in Portuguese with the announcement:

    But this agreement will not only bring revenue to the entity in which he announced the deposit, if not beyond. This contract binds the entity and the athlete with a total

    Portuguese territory exclusivity in , to be the image of any brand, and in Spain will be sent only to financial services provided by the Portuguese bank.

    This is an example of the link between financial and maximum of what is now at the moment, and as others did in their days as football players

    Pelé with Banco Santander in its sponsorship of the Copa Libertadores, or Fernando Torres with Bank . Galician

    It seems that the world of finance and football are totally compatible, but

    what will be the next bombshell advertising Does Ribéry could be the new image of Caja Madrid Today in days and everything is possible, make their bets.

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    Europe focuses on transparency in credit cards

    Posted by Daily news 7 July, 2009 (0) Comment

    tarjetas-de-creditoabanico It seems that the bad practices of companies in the credit card have their days at United Kingdom , and who knows if the rest of Europe. At the end of the credit card companies may not raise interest rates on existing debt. At least that is the intention of the British government, which wants to establish an attorney “ of consumer “, a sort of figure that protects the clients of the entities for possible cases of malpractice .

    In addition, this plan provides for the possibility of increase the monthly payments for clients rectify their debt as soon as possible and not incur delays and forced to pay first the most expensive.

    In this way, what you’re looking for the English government is that people try not to borrow more in the first place that should settle everything. It seems very nice as it sounds, but will have to see how it is done, because I assume that not all have the same purchasing power. Nor should we forget that many people used to pay debts arising larstarjetas with other cards … vamos a vicious cycle that ends in a debt to the neck.

    With this measure, which is seeking to acquire companies more accountable, and take into account the credit standing of its clients, avoiding debt at all costs. In addition, this measure also seeks to end blank checks, even as the movie where a kid is one of them. These checks have a stake higher than the cards that are associated with what their use implies a greater cost, often without being aware of it, and involve a 2% commission of the on the amount spent.

    United Kingdom has been the first to take the step, and possibly France the follow, as the debts they accumulate citizens are reaching astronomical heights, especially in regard to debts on cards and overdrafts. In our country, the debts up to 43 percent of households , and in many cases this was due to an indiscriminate and irresponsible use of credit cards. That’s why it’s best to learn to make good use of our cards, and try not to incur debts that then we can not afford. And this requires know how to choose the best card for each event .

    From Captalis we offer you the opportunity to see what best suits you, compare and apply quickly and easily using our calculator card .


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    Spain leads the housing property in Europe

    Posted by Daily news 6 July, 2009 (0) Comment

    vivienda-unifamiliar3preview At last the Spaniards are the first in something, and no, I mean the Euro or the number of unemployed, I mean it Spain is one of the leading countries in the EU in terms of housing property . Specifically, a 83% of Spanish homes for this type of housing, compared to 65% of our European neighbors.

    This story, taken from the web Finanzas.com shows us how to Spain is still pushing for the purchase of real estate , instead of other options such as the Hire (ie 8%) rent subsidies (3%) or free hosting (about 7 %).

    These data make us the sixth EU country in terms of percentage of households inhabited owners, second only to Romania, with a more surprising that 96% of homes owned, Lithuania and Slovakia (89% ), Hungary (87%) and Latvia (84%). This data is at least curious, and we assume that the strongest countries in the EU, are more engaged in the Hire , like Germany, Denmark, and Holland, with 46%, 42% and 43 % respectively. All of them at market price. If we talk about the market support , the leading countries are Czech Republic, Malta, Finland and United Kingdom, with a rate that doubles the European average.

    These data demonstrate that we are still far from a rental market like Europe, and the Spaniards like to have a home ownership, even if this involves be paying a mortgage for several years. But admittedly, we like to say, this is my house .

    All of this undoubtedly is due to strong real estate sector that we had in our country all these years. Now, with home prices still too high for many people and the recession in the construction sector due to the heavy crisis, it is likely that the statistics begin to slowly change.

    From all these data, it is possible that we are one of the most proportion of flats housed A 66% , surpassing the 20 points to the European average. This fact surprised me, especially seeing that many people have left the city life, and their story, to leave the suburbs to live in a small villa, reportedly gaining quality of life and comfort, but they touch more early to go to work. Anyway, there are tastes for everything. Personally, when I comes time to find a new apartment, I do not know if they choose to leave the city or stay in it. At the moment I am open to any experience, so your comments are welcome.


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