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PDF (1.9 MB, 52 pp)
Number 13. Summer 2002. Magazine for members of the Solbank Prestige Club. Price: 3 € Spain’s Rock Icon An Interview with rock star Miguel Ríos Your Money The Right Advice The Quality of Life Girona Welcome to Solbank Welcome to Solbank Usted se merece más... ...acérquese a Solbank The Bank you can talk to De bank met wie u kan spreken La banque avec qui vous pouvez parler Die Bank mit der Sie sprechen können Customer Help Line: 902 343 999 www.solbank.com Banco Sabadell Solbank The Bank you can talk to Summer 2002 02 Letter from the Deputy General Manager D. Jaume Puig Balsells, Deputy General Manager, Banco Sabadell, S.A. 03 Solbank News Recent developments and an update from Spain’s leading bank on the coast 06 The Quality of Life Girona 12 Spain’s Rock Icon An Interview with rock star Miguel Ríos 06 16 Complaining in Spain David Searl looks at how to make official complaints in Spain 24 18 Your Money: The right advice 20 More Than Just Paella A look at Spanish Rice 24 Destination Golf: Golf Club Novo Sancti Petri Checking out the links in Cádiz 27 A Day In The Life Of: Language teacher Elena Esch Kupke 28 Spain’s Hidden Treasures La Cartuja de Valldemossa 12 30 A Land of Fire and Lava 28 A walking tour of the island of Lanzarote 34 Food and Drink Edward Owen’s restaurant and wine guide 36 Improve Your Game Tips from the pro on how to Control the distance of your bunker shots 38 Local News What’s on and what’s up on the Costa Blanca, Costa del Sol, Mallorca, the Costa Brava and in the Canary Islands 44 Readers’ Page Prestige Club readers’ space to voice opinions and to share tips and other information 16 46 Your Health Skin care under the summer sun 30 48 I’m Glad You Asked David Searl answers readers’ letters Solbank Prestige Club Magazine DIrector: Alex Clayton 93 728 2308. Edited: Tune In Magazine S.L. C/ Molino, 5. 28690 Brunete (Madrid). 91 816 43 29. Editor: Guy Fiorita. Consultant: Edward Owen. Designed by: Estudio Garbayo. Writers: Edward Owen, David Searl, Dee McMath, Janet Mendel, Francisco M. Martín, Gaetano Aly, Paul Aitken, Alex Clayton, Steve Guest, Guy Fiorita. Photographers: Solbank Images, J.D. Dallet, Francisco M. Martín, John Wood, Gaetano Aly, Jeronimo Alba, Edward Owen, Guy Fiorita, Robert Royal, Tenerife News. Advertising enquires: Alex Clayton 93 728 2308. All correspondence concerning Solbank Prestige Club Magazine should be sent to: Solbank Prestige Club Magazine, Calle Molino, 5. 28690 Brunete (Madrid). Spain. Tel: 34 91 816 43 29. E-mail: [email protected] Production: WB Soluciones Graficas. Print: Gráficas Ruíz Polo. Depósito Legal: GU-286/1999 Solbank Prestige Club Magazine is published quarterly and is distribuited free to Solbank customers. The views and opinions expressed in this magazine are not necessarily those of Solbank S.A. or Solbank Prestige Club Magazine, nor does the inclusion of any adver tisement mean that the publisher endorses the company concerned or its products. No part of this magazine including texts, photographs and graphics may be reproduced in any way without prior written consent of Solbank. We welcome comments and views about this or any other issue of Solbank Prestige Club. Banco de Sabadell S.A. Solbank is registered Trade Mark of Banco de Sabadell S.A. 20 46 Solbank News Letter from the Deputy General Manager Dear Club Member, There can be few greater pleasures than to watch with joy the increased presence of Solbank in the places where you live. Being closer to you, our customers, and offering you the services and products you need while living here in Spain are the cornerstones of our philosophy here at Solbank. To this end, summer marks an increase in activity in our expansion programme, with 10 new branch openings due to take place in the next couple of months. I strongly recommend you to go along to theses openings: recently, I was lucky enough to meet many of you at one of these events. It was with great satisfaction I received your kind comments and suggestions. Solbank Golf Tour 2002 The Solbank Golf tour teed off on 6 April in La Cala Golf, La Cala de Míjas. Solbank has staged tournaments in La Cala in recent years and it has even figured as a Golf Destination in Prestige. This year was to be yet another successful tournament in spite of the rain. 89 golfers weathered the adverse conditions with the last participants coming in at 5:45 in the afternoon. Prize giving took place at 6:30 together with a cocktail and prize raffle. On hand were the local Solbank branch managers who took part in handing out the prizes and who had been looking after guests all day. Special thanks to Isidoro Tarno (Solbank La Cala de Míjas), Javier Aragüez (Solbank Marbella), Javier Díaz (Solbank Calahonda) and Andrew Gunson (Solbank Puerto Banús). For it is your suggestions that are crucial to the success of what we do. It is you, our customers, who have defined us as “The Bank you can talk to”, and that means precisely what it says: let us know what you think; help us to help you! I urge you to write in with your comments to the Readers’ Page here in Prestige: rest assured that no other bank in Spain offers such a forum to its customers! It is only appropriate, in addressing you for the first time, to say what an honour it is to be doing so in what marks the fourth year of Prestige. Prestige is your magazine and it is your input that has made it what it is today. The future of Prestige is the same as that of Solbank: both promising and exciting. Thank you all for your continued support! With my kindest regards, D. Jaume Puig Balsells Deputy General Manager Banco Sabadell Scandinavian Golf Club On 15 April in The Golf Club La Marquesa (Ciudad Quesada Torrevieja) a tournament took place called “Manadspokalen”. 130 Scandinavian players took part out of 550 club members. Johan Svensson, manager of Solbank Ciudad Quesada, was on hand to look after players as were the local branch team. A great day out that once again illustrates how Solbank constantly does its utmost to get closer to its clients and potential customers through the world of golf. The Show must go on!!! Nerja - March 8 The consolidation of the Solbank branch network on the east side of Málaga is now a reality and was heralded by the opening of Nerja on March 8. With branches now open in Torre del Mar and Almuñécar, Nerja is conveniently located between the two. The location of the branch is magnificent, situated right in the Plaza del Balcón, undoubtedly the heart and soul of Nerja. Road News The promotion team spent 2 weeks around and about the vicinities of Nerja busily spreading the word of Solbank´s Open Day and providing a first point of reference for people wanting to know more about the bank. A large part of the time was spent in Plaza Cavana, ideally situated next to the Balcón. The promotion team even ended up at the end of a local treasure hunt. The weather was in the main good apart from a few spring showers. 1 The Open Day A spectacular turnout. Over 650 people came to see exactly what Solbank is all about and joined in the festivities. The musicians were true to form and provided excellent entertainment. The local branch representatives were on hand to provide advice and information to interested parties and 2 the promotion team and were kind enough to put in an appearance. Many thanks and good luck! A final word of thanks must go to the Nerja branch manager, Jesús Bermejo, and his team for all their hard work, support and effort. 3 4 many accounts were opened. An interesting anecdote was the presence of the under-18 Spanish National football squad. They had been contacted by 6 1. Inside at the Open Day. 2. The Solbank promotion team out and about. 3. Solbank Balloon arrives at Nerja. 4. The under 18 Spanish national football team. 5. Nerja Open Day draws quite a crowd. 5 6. Solbank Open Day cloaked in style. l SolbankPrestigeClub 03 Solbank News Road News Cala D’Or- March 26 The Balearics were the next stop. The trusty PT cruisers were put on the ferry in Valencia and arrived via Transmediterránea at the port in Palma. Being the Easter period, Cala D´Or was quite busy with many people arriving for the break and others popping home for a quick holiday. The promotion team were out and about as usual, with the local Caprabo supermarket being a useful meeting point. The Sunday market in Felanitx provided a colourful backdrop to some of the activity with people coming from far and wide to spend a relaxing Sunday morning among the stalls. 1 Open Day Turnout was good with the weather fresh and breezy. There was a constant stream of people throughout the day, meaning that most present were able to personally meet the director, Manuela Sánchez, and members of the branch team, Joan Mulet and Antoni Rigó. The catering was superb, with typical German delights being the order of the day and which all present agreed were utterly delicious. The opening of Cala D’Or marks the continued expansion in Mallorca with branches opening shortly in Cala Ratjada (26 June), Sóller (27 June), Portals Nous, Port Andratx and Port Pollensa. 2 3 4 1. Food is served!! • 2. Open Day in full swing • 3. Branch manager Manuela Sanchez Medina answers guests’ questions • 4. Flamenco guitarist entertains guests Road News: Island Hopping! Santa Eulalia del Río A fast pack up in Cala D’Or and the team quickly made its way to Palma just in time to catch the ferry to Ibiza. This is the first Solbank branch on the island with another due to be opened in Ibiza capital this summer. The team took to the streets in Santa Eulalia and indeed travelled the length and breadth of the island to get the message across. The local branch team provided a great deal of help: thanks to José F. García Romero, Juan Antonio Ferrer and Sandra Prieto. The biggest inconvenience was the weather: storms and bad weather forced closure of the main Balearic ports and converted many people’s Easter holidays into an absolute nightmare. Due to high winds and rain, promotional activity even had to be called off on Good Friday; luckily just for a day. The last appearance of the Manolo Díaz band together with the well-known 1 North-American blues singer Muriel Fowler in the Biergarten at Playa D’en Bossa provided a great setting for the road show team to inform people of the imminent Open Day during the intermissions. Open Day The weather changed for the better and on an island such as Ibiza the party atmosphere was guaranteed. Turn out was exceptional, and the Solbank hot-air balloon team were even on hand first thing in the morning on the beach to announce the beginning of the Open Day. A lot of staff from Solbank’s branches in Mallorca had come over especially to provide information and help with the organisation. At around three the first few drops of rain started to fall, but by then could do little to dampen the festive mood. 2 3 1. Another fine turnout • 2. Blues singer Muriel Fowler • 3. A Solbank encounter • 4. The branch office waiting area l 04 SolbankPrestigeClub 4 The time has come, to enter into a world of Prestige • Discounts in shops and restaurants • Discounts on green fees • Travel insurance for 750,000 € • Worldwide acceptance Banco Sabadell Customer Help Line: 902 343 999 Solbank The Bank you can talk to Destination Girona From a distance the great stone façade of the Cathedral, towering above the rooftops on the side of the hill, serves as a promise to the visitor arriving from the north that Girona has beautiful things to offer. Like most Spanish cities the outskirts, built mainly in the 60s and 70s, are an uninspiring mix of blocks of flats, warehouses and the occasional factory, hedged around by green hills dotted with the leafy conurbations where many wealthy Gironins - who, according to a recent survey, have the highest standard of living in the whole of Spain - now live. By Justin Webster. Photography: J. D. Dallet. Girona: THE QUALITY OF LIFE G irona will not disappoint the visitor. In few Spanish cities is the contrast between the scruffy suburbs and the splendid heart so pronounced. The casc antic – the old city – in which the Cathedral is found is a wonderfully preserved medieval precinct of steep cobbled alleys, arched tunnels, restored palaces, hidden patios and small tranquil squares. You reach it simply by crossing one of the four bridges over the shallow, sluggish river, from where you can see the chequered swathe of red and ochre walls of the houses, which back onto the river. This is one of Girona’s most photographed views, a surprisingly colourful impression in a city that has been gradually laying to rest a reputation for greyness. “We Gironins are like we are because of the past we have had, and that is why we first have to uncover the past, in order to love it,” explained Assumpció Hosta, who, as director of the Centre Bonastruc ça Porta has devoted the last two decades to l 06 SolbankPrestigeClub restoring and investigating the Jewish quarter. Named after the great cabalistic scholar, Nahmanides (his Catalan name was Bonastruc), who lived and worked in Girona’s Call - or Jewish quarter - the centre now serves as a guide to the jewel of the Old City, and one of the emblems of Girona’s cultural renaissance. Housed in a group of medieval buildings, which may have been the site of a synagogue, the museum has so far opened two rooms to the public, showing a series of Jewish tombstones found in the cemetery of Montjuic, and by 2003 will be opened completely, the culmination of years of work. So far it has functioned more as a focal point for Jewish studies, and, especially in winter when there are few tourists, as a way of telling the locals about their own history. With a small public library, it is now the most important of centre of its type in Spain, co-ordinating the events and exhibitions about the now distant customs of Sephardic Spain with the other cities with an important Jewish past such as Toledo, Cordoba, and Cáceres. l SolbankPrestigeClub 07 Destination Girona G irona had a thriving and culturally vibrant Jewish there is no present day Jewish community in Girona – the new community up until the determining moment in University of Girona, founded in 1991, helped bolster the trend Sephardic history, when all Jews were forced to conby locating its Humanities faculty in the old city. One small, but vert, or flee into exile in 1492. In the years of the characteristic sign of the city’s passionate desire to escape its Inquisition Jewish history was forgotten, the Call image of parochialism is the recent creation, at the University, from Kahal, Hebrew for community - lived on only of Europe’s first Professorship of Immigration. The first, courain the name. “People here are really surprised when they hear geous young couples who ventured back into the district when about it for the first time, in general they still don’t know much it was just beginning to be cleaned up are now living in the most about it,” said Hosta. A recent step, aimed first at locals, is to desirable properties on the market, glorious stone palaces with promote a series of walks, which take in features, such as the huge doorways, or interior patios with ample staircases, leading misnamed Arab Baths, which were used but not built by the up to luxury flats. Jews (they were built, as gironins will quickly A virtuous circle has now brought in smart tell you, centuries after Girona was “liberated” shops, bars and boutiques. Walk down the from the Moors in the 8th century). Walking, Rambla de la Llibertat, the broad, tree-lined …ACCORDING TO especially along the old ramparts at the top of avenue that runs alongside the river, espeA RECENT SURVEY, the hill, looking out over the tiled roofs, and cially at night, and you can see the characteGIRONA HAS THE across the River Onyar, is the ideal pastime in ristic Gironan mix of the ancient and the very Girona, especially since in the Old City cars HIGHEST STANDARD new meshed together harmoniously. The resare no longer allowed. toration of the façades, the stone walls, the OF LIVING IN THE To understand Girona’s mood at the wooden beams of the galleried pavements is WHOLE OF SPAIN moment, you have to go back to the low point all still so new they seem to have just been in its recent history. By the 1970s, like the rest scrubbed. Green netting hangs from some of the old city, the Call had fallen into neglect, buildings indicates that the process is not inhabited only by the people too poor to move out. Purposeentirely over, and the sound of picks and chisels can occasiobuilt flats were in fashion, not dark, unmodernised medieval nally be heard, but the overall impression is that Old City has dwellings. In 1975 a book “Girona, grey and black” was publisreclaimed its place as the sentimental as well as the geographihed, a stinging attack on the depressed, pessimistic state of a cal heart of Girona. dilapidated provincial town and its lugubrious, inward-looking On the other side of the river, however, is where the modern city inhabitants. has grown up and although it cannot compete for beauty, or tranAfter the death of Franco, the first democratic mayor, quillity – unlike in the Old City cars are allowed – it can offer other Joaquim Nadal, began a long and impassioned struggle to revisensual pleasures. Here the resurgence has been gastronomic. For talise Girona. After 23 years, he has just resigned amid general a long time Girona was compared unfavourably with Figueres by praise. As well as rediscovering the Call – despite the fact that foodies. Now it boasts one of the finest restaurants in Spain - Celler l 08 SolbankPrestigeClub THE CASC ANTIC - THE OLD CITY - IN WHICH THE CATHEDRAL IS FOUND IS A WONDERFULLY PRESERVED MEDIEVAL PRECINCT OF STEEP COBBLED ALLEYS, ARCHED TUNNELS, RESTORED PALACES, HIDDEN PATIOS AND SMALL TRANQUIL SQUARES de Can Roca - a two Michelin starred venue on the edge of the city, founded in 1986. “Profound modernity” is how one Basque critic described Joan Roca’s cuisine. The style is perfectionist, sybaritic and mouldbreaking: truffle and thyme soup, or flambéed banana with white chocolate and rum ice cream, for example. But perhaps even more characteristic is an apparently nondescript modern restaurant, La Llarga, because here there are signs that Girona is still on the up, still trying to prove itself, if only to itself. At lunchtime it’s normal to see a small queue piling up in the slightly garishly decorated bar, waiting for seats in the large dining room. The set menu is a high quality version of standard Catalan recipes. But l SolbankPrestigeClub 09 Destination Girona eating a la carte is a totally different experience. Alex Rodríguez, the young chef, is winning a reputation locally with daring and imaginative dishes: octopus carpaccio, cod with trout caviar and orange foam, rack of lamb with a light mustard sauce and a slice of grilled pineapple. To accompany the food, the local wines of the Costa Brava, a relatively small denomination with an increasingly good range of bottles, are now justifiably in fashion. Walking back through the Old City for the last time, at night, I noted how often I saw bookcases through the lighted windows of the residents, the dark, warm colours of the interiors contrasting with the thick, cold grey stone, the image of a quiet, serious city finally pleased with itself, and its erudite past. RESTAURANTS El Celler de Can Roca Carretera Taialà 40 972 22 21 57 Tasting menu 45 € La Llarga Av. Sant Francesc, 11 972 201 018 Aprox. 35 € a la carte Boira Plaça de la Independencia, 17 972 203 096 (traditional locale recently renovated - cod with sweet sausage and apple, for example - in the liveliest square of the city, near the Café Royale, a favourite local spot for the last drink of the evening. Excellent view, across the River Onyar, of the coloured houses of the casc antic on the other side). l 10 SolbankPrestigeClub Massana Bonastruc de Porta, 10 972 213 820 Tasting menu 35 € Els Caçadors Ctra de Palol a Camós km 3.5 Palol de Revardit 972 599 239 (off road to Banyoles) HOTELS Hotel Carlemany Plaça Miquel Santaló 972 211 212 Double 96 € Hotel Peninsular Carrer Nou, 13 972 203800 Double 46 € Hotel Ultonia Avda Jaume I, 22 972 203 850 Double 62 € Museum of the Cathedral (10:00 - 12:00, 16:00 - 18:00, closed Mondays, Sunday pm) Plaça de la Catedrale, 5 972 21 44 26 SHOP Art Museum (Housed in former bishop’s palace, Romanesque to contemporary works) 10:00-18:00, Sunday closed at 12:00 Pujada de la Catedral, 12 972 20 95 36 Ambrosia (in the Casa Heras Puig) Monastery products, chocolate, wines, jams Carrer Carreras i Peralta, 4 MUSEUMS Museum of Jewish History (10:00 - 20:00, Sundays 10:00 - 15:00) Centre Bonastruc ça Porta/Institut d’Estudis Nahmànides Carrer de la Força, 8 972 216 761 Museum of the History of Girona 10:00-14:00, 17:00-19:00, closed Sundays PM Carrer de la Força, 27 972 22 22 29 TOURIST OFFICE Rambla de la Llibertat, 1 17004 Girona Tel. 34 972 22 65 75 Fax. 34 972 22 66 12 Mortgage B S Whatever kind of house , you want, we ve got the mortgage for you. For further information please contact your nearest branch or call Banco Sabadell 902 343 999 You will receive immediate help Solbank and professional advice. The Bank you can talk to Interview Miguel Ríos When you meet Miguel Rios, El Viejo Rockero, the Spanish world’s most successful rock singer, you appreciate what a Mediterranean diet could have done for Mick Jagger. Mick’s face looks like it would crumble to dust on exposure to a spotlight, whereas Miguel appears almost half his 57 years. By Edward Owen. Photography: Robert Royal. Spain’s Rock Icon: AN INTERVIEW WITH MIGUEL RÍOS R íos is medium height, lean, has a neat haircut and is the epitome of simpático - charming and courteous. He bounces into his company HQ in a chalet in Madrid, signs letters typed by his busy secretary and flops into his office. Surrounded by shelves of top music and TV awards and walls plastered with his tour posters, this rocker from Granada is now big business. I even spot an upper room crammed with stage costumes fit for a Chinese street opera. Miguel’s biggest worldwide hit was Ode to Joy in 1970 which topped the charts in most countries and sold 1m records in the States and 2.5 m in Germany. He now has a huge following throughout Spain and Latin America, zapping a new generation with rock at concerts he organises with sci-fi special effects, often sharing the billing with other top Spanish artists and musicians. “I was born near the Cartuja in Granada and lived there until I started making records. It was a big family, I was the seventh child. My father ran a sawmill but died when I was 15. When I left school I worked in one of the largest shops in Granada. I eventually ran the new record section and in 1962 made a demo tape with friends. We played rock and my hero was Elvis Presley. Phillips in Madrid signed me for 5 years.” l 12 SolbankPrestigeClub l SolbankPrestigeClub 13 Interview Miguel Ríos D uring the first four years I was recording cover versions of Elvis, Chuck Berry, a lot of Italian rock music and Johnny Halliday.” He became expert at translating and adapting lyrics so they sounded good in Spanish. He also had to cope with Franco’s regime which censored songs and even castigated the smoking of joints with spells in a prison hospital. “My first big hit was in 1968 with Vuelvo a Granada which was a song about loneliness and emigration. Then people in Spain, especially in Andalusia, were going to work in Germany like South Americans and Magrebís come here now. “One day Rafael Trabuchelli, the A&R of my record company told me that Waldo de los Ríos had an idea using the fourth movement of Beethoven’s Ninth Symphony and I must admit I’d never heard of it! When they called me for the recording there was a whole symphony orchestra. It was magnificent and sounded amazing. When I started singing, it seemed really marvellous.” Miguel, a leading chorister at school, had sung in school musicals and had “a certain talent to show emotion”. l 14 SolbankPrestigeClub “Ode to Joy was first recorded in Spanish as Himno de Alegría and when my English version was released The Times music critic said my voice was very accented. They compared me with Dean Martin. I thought this was a bit unfair since he was known as ‘Drink’ Martin but I did not drink that much!” Ode to Joy was a smash hit from Japan to Sweden and during 1970 and 1971 Miguel toured the world. “It actually did the vibrant music scene there. He recorded another Ode-style ballad, The Wind of Change, using Rodriguez’s famous Concierto de Aranjuez but the composer had it banned. “Actually I did not like the version and probably if it had been another hit like Himno de Alegría, I would have not been able to cope with the easy life at the top, more beautiful girls, more money and living in the United States. Really, I MIGUEL’S BIGGEST WORLDWIDE HIT WAS ODE TO JOY IN 1970 WHICH TOPPED THE CHARTS IN MOST COUNTRIES AND SOLD 1M RECORDS IN THE STATES AND 2.5M IN GERMANY. more for me as a human being than as an artist because there was the chance to leave Spain and travel. I learned that music was much more important than we thought in Spain. With the money I earned, I had a chance to learn my trade properly, how to produce records and improve my stage act.” He went to live in Los Angeles for about a year and immersed himself in would have been someone else. I think that the worst thing that could happen to a human being would be to become Julio Iglesias!. “For me now it is fundamental that I’ve been able to demonstrate that rock is universal. It has no sell-by date. We have united all people who like rock in all the Spanish-speaking countries. “Rock symphonies arrived and we star- ted making more conceptual records. This was the basis of Al Andaluz: Arab music that had a melody similar to rock married to guitar sounds. This was Andalusia fighting for its autonomy and identity.” In 1978 the first of his now customary mega-tours was organised around a record, La Noche Roja. “For the first time we had a sponsor and seven bands. On this tour I found people went mad about old rock and were discovering it again.” This was followed by releases like Los Viejos Rockeros Nunca Mueren, Rock and Roll Boomerang, with the hit Santa Lucia, and Rock and Ríos. He sold 700,000 tickets for the tour Rock de la Noche De Verano. “I had a series on television in 1987 with 26 episodes on the history of rock and pop in Spain. It included interviews with politicians and a humorous slot.” His concert tour last winter sold out at almost all 28 venues. Earlier this year he performed in Mexico in halls with about 3,000 capacity. Special effects at his concerts include the ingenuous use of holograms of other famous singers so Miguel can sing duos with their prerecorded tracks and images without having to pay for their presence. In May at Madrid’s San Isidro fiestas he played the Plaza Mayor. “In the future, I want to go back to living in Granada. It offers a quality of life you can’t get in Madrid. My house in the Alhambra used to belong to a British consul. I had one daughter with my English wife, Margaret. She’s 23 and is called Lua which means moon in Gallego. She studied in Farnham, England, and Boston, and she sings well in English.” Miguel is also proud of the Gold Medals he has received from the city of Granada, Bellos Artes, the Ministry of Employment and the Junta de Andalusia. What keeps him young must be his zest for music. “I love live performing. When they’re with you, you know you’re one of them.” “I LOVE LIVE PERFORMING. WHEN THEY’RE WITH YOU, YOU KNOW YOU’RE ONE OF THEM.” l SolbankPrestigeClub 15 Living In Spain Complaining In Spain Complaining about service or faulty goods in a foreign country can be intimidating. When we are ignorant of our rights and don’t speak the language, the temptation is to pay up and pretend it never happened. You don’t have to put up with it. Spanish consumer legislation has been catching up with the rest of Europe in recent years and you will find a number of avenues open to you. By David Searl. OMIC Most towns maintain consumer information and complaint offices called Oficina Municipal de Informacion al Consumidor which can inform you about prices, quality requirements for merchandise, and also process complaints. These offices are sometimes located at the Municipal Market and sometimes they are in the Town Hall itself. The OMIC offices are usually very helpful and make an effort to see that action is taken. The offices themselves have no legal power to compel the return of an item or punish offenders, but they see that the proper authorities are informed. We recommend the OMIC as the place to start almost every sort of complaint. Even if the problem does not l 16 SolbankPrestigeClub come under their competence, they will help you to find the most effective method of dealing with it. The OMIC is not limited to basic consumer problems such as defective goods or abusive prices. They can process complaints about timeshare, rentals, mobile phones and property purchase, too. HOJA DE RECLAMACIÓN In the case of a restaurant or bar overcharging you, the simplest way is to ask for their hoja de reclamación, the complaint sheet. Establishments are required by law to keep this official complaint sheet. When a customer complains, they must produce the sheet for him to register his complaint. The sheet comes in three copies. The establishment keeps one copy and the customer takes the other two, one to keep and the other to present at the OMIC. If the establishment does not provide the sheet, it can be fined. Consumer laws vary somewhat from region to region. In Andalusia, they require absolutely all businesses to keep such complaint sheets. They must res- EUROPEAN CONSUMER DIRECTIVE COMING TO SPAIN: When you buy a washing machine in Spain, present legislation prescribes a full guarantee for six months, plus another six months on defective parts. (Reminder: You must fill in your guarantee form and have it stamped to assure this). As of January 1, 2002, Spain is required to apply European Union consumer directives which, among other things, extend this obligatory full guarantee to two years. CONSUMER ORGANISATIONS: There are a number of national consumer organisations, as well as others which operate in the various provinces or autonomous regions. These organisations generally require that you become a member and pay their yearly fees, which are not high, in order to benefit from their services. One of the largest and most effective of the national organisations, with a good record of assistance to consumers, is the OCU, the Organizacion de Consumidores y Usuarios. Their head office is in Madrid and their telephone number is 91 300 00 45, e-mail www.ocu.org. The OCU publishes a Which?-style magazine called Compra Maestra, which analyses different products, and another called Dinero y Derechos, which concentrates on legal and financial matters. Other consumer organisations are found in your local telephone book. These locally based consumer associations may be particularly effective in different areas. OTHER DEFENDERS OF CONSUMERS’ AND CITIZENS’ RIGHTS INCLUDE: OMBUDSMAN: If your complaint to the Town Hall or the OMIC fails to bring the desired result, or if you feel that you have been unjustly treated by any government agency, you may have recourse to the Defensor del Pueblo, the regional or national ombudsman. You must have exhausted all normal administrative channels before he will accept your case, but this Defender of the People is the last resort when you are convinced that justice has not been done. pond to the client’s complaint within 10 days. If they do not, the client can take his case to the OMIC, and the business can face fines of up to 6,000 euros. This includes automobile repairs, sales of appliances and restaurant food and service, to name three typical areas of complaint. You can also make a complaint to the tourist office which most towns maintain. Although these offices are primarily there to give information, they will direct you to the appropriate place for making your particular complaint known. If you have a complaint about a shop regarding weight, quality, service or prices, you can direct this to the Jefatura Provincial de Comercio Interior, the Provincial Department of Internal Commerce, in your province. This office is charged with seeing that weights are honest, that prices are within certain margins on controlled items, and that merchandise is up to standard. Although they probably will not oblige a market stall to replace the kilo of rotten oranges they sold you, these offices maintain a staff of inspectors who will visit an offending establishment. If they find any violations, the shopkeeper will be warned or fined. BANKING COMPLAINTS: Every Spanish bank has its own central Defensor del Cliente, the Defender of the Customer, who will hear your complaint when you do not get satisfaction from the branch office. If you are still unsatisfied, you have recourse to the complaints department of the Bank of Spain. Ausbanc, the association of bank customers, is a consumer defence group which will advise you if you are a member with dues paid up. You can find your local Ausbanc affiliate by contacting their website at www.ausbanc.es DOCTORS AND MEDICAL CARE: If you have a complaint about the treatment given you by a private doctor, you can present this to the Colegio de Medicos, the College of Physicians, which is the professional body overseeing doctors. If you feel that you have a case for malpractice, you can bring a civil suit against the doctor for damages and suffering. These cases are now appearing with more frequency in Spain, and courts have made large awards. There is also an association for the Defence of the Patient which has branches in major cities. LAWYERS: The Law Society, the body which controls professional standards and fees, is called the Colegio de Abogados. Your best bet is probably to consult another lawyer and explain your case to him. The new lawyer will help you put your complaint in proper form. Nevertheless, you can go directly to the Colegio office in your province if you feel you have been over-charged or improperly treated. REAL ESTATE AGENTS: In some European countries, the responsibilities of real estate agents are very carefully regulated. Unfortunately, in practical terms, this is not the case in Spain. Anyone may mediate in property transactions and “buyer beware” is the only advice we can give. There are professional bodies for registered agents such as the API, the Agente de la Propiedad Inmobiliaria, which enforces standards. However, many property agencies are not registered and the law does not require this. TAX CONSULTANT: If your Spanish asesor fiscal, or tax consultant, has given you bad advice which has cost you money, your only remedy is to bring a civil lawsuit against him. Although many tax consultants have advanced training and are members of the various associations which exist, there is no professional oversight body, and anyone at all can hang out his sign and call himself a tax consultant. Complaining is never easy, but remember that you are doing a service to all other consumers as well as yourself when you make it known to the authorities that someone is taking advantage of the public. l SolbankPrestigeClub 17 Your Money The Right Advice Alex Clayton Solbank Marketing Director The Right Advice Getting the right advice is probably the most important thing for organising your life here in Spain. Solbank prides itself on being able to offer its customers just that: the Right Advice!!!. By Alex Clayton YOUR BRANCH ASSESSOR The branch is key to your relationship with Solbank. For that reason Solbank is undergoing a major expansion programme within Spain to ensure that wherever you live, it is never too far to get to a Solbank. Our staff have been specially chosen and trained to offer you the very best service. A large number are, like you, non-Spanish and so understand the difficulties of living as a foreigner in Spain. Being called the “Bank you can talk to”, is a matter of culture and not just language. As one branch manager recently put it, the list of possible enquiries, about anything from pet food to personal loans, is endless and we are here to make sure that whatever help our customers may need, they get it. l 18 SolbankPrestigeClub LOCAL KNOWLEDGE This point is crucial: our staff may not be able to solve all of the problems that may arise from living in Spain but they will be able to put you in contact with someone who can. They have the local knowledge to solve your local problems. A recent letter in the Readers’ Page thanked staff in the Torrevieja branch for sorting out their problems with Telefónica, Spain’s national telephone company. This local knowledge can provide invaluable help when you are buying a house, renting or indeed selling. Local rates, taxes, and planning permissions: your branch can help you in all these areas. From Almuñecar to Estepona, from Torrevieja to Tenerife: wherever you decide to make your home in Spain, we’ll be there to help you. BE GUIDED Obviously it’s not always possible for you to come to the branch and for that reason Solbank has made available alternatives. Our phone banking service, Solbank Direct, allows you to carry out your transactions easily from the comfort of your own home. Of special interest is the Internet banking option: let’s say for example you want to make a transfer: just go to www.solbank.com and click on SolbankNet. You are then asked for your NIE or passport number and your personal access code. Choose the transfer option, simply fill out the details: you will be asked for a code from your Internet banking card to effect the transfer (a third level of security) and the transfer is on its way. It couldn’t be easier! HOME BUYING GUIDE Everything you need to know about home purchase in Spain. Whether you need a mortgage or not, Solbank has brought out the most complete guide to make the purchase of your home as easy and trouble-free as possible. We explore local taxes and rates with clear-cut examples of payments you will have to make. You will find an up to date glossary of different terminology used by lawyers and local authorities so you will have no problem whatsoever in getting to grips with the situation. We take you through the processes and include practical checklists of points to remember. It’s definitely the most complete and thorough home buying guide in Spain. To get it, just call in to your local branch. TAX GUIDE It is important you know your tax position and understand the different fiscal implications of your investments here in Spain. To this end we have brought out a tax guide for 2002. We look at each product and examine the ramifications for your tax position in detail. From investment funds to fixed term deposits, you can get a very clear idea of what you have to pay and when. You can find out about withholding tax and income tax, discover the implications of European tax treaties and know exactly where you stand. Once again at Solbank everything we do is designed to give you the full picture, the most complete advice. So whether it is from your local branch, via the Internet, from our telephone helpline or through our marketing material and guides; you can rest assured that at Solbank you will always receive the right advice and the best solutions! To receive your copy of Solbank’s Home Buying Guide and/or Solbank’s Tax Guide stop in at your local branch or send your request by email to: [email protected] TRANSPARENCY If anything, Solbank is about transparency. The very design of our branches is the result of a long process of investigation and reflects our philosophy of being as transparent and open as we can in the way we do business. Large windows allow people to look in and see exactly what we do: there are no surprises, nothing hidden. The way we open our new branches, the Open Days, are just that: it is a chance for people to come along, see for themselves and chat to our knowledgeable staff. Our unique account information system, with statements in your own language, shows that at every level we want you to know exactly what is going on with your finances. l SolbankPrestigeClub 19 Prestige Product Rice Paella, one of the world’s great rice dishes, has its true roots in the marshlands of the Albufera, near Valencia, where rice has been grown for a millennium. By Janet Mendel. Photography: J. D. Dallet. & John James Wood Spanish Rice: M O R E T H A N P A E L L A B y early June in the Albufera rice fields, tender green rice shoots wave softly against a backdrop of shimmering water. A few dirt tracks cut through the flat paddies, which are threaded by canals. The waterways and marshy land provide nesting grounds for cranes, herons, terns, coots, grebes, egrets, plovers, lapwings, reed warblers and more. It is a scene not greatly changed since the tenth century, when the Arabs first introduced the cultivation of rice to this region. The Albufera consists of a fresh-water lagoon separated from the sea by a spit of land and surrounding wetlands where rice is grown. Much of the marshland is a protected national park. The lake itself is filling with silt deposited by the rivers, which empty into it. WHERE PAELLA IS COMING FROM Paella, one of the world’s great rice dishes, originated right here. In bygone days it was a very simple dish cooked over a wood fire in the rice fields with ingredients to hand in the Albufera marshlands--wild duck, rabbit, snails, frogs’ legs, eel. Who ever suspected it would one day be world-famous? Another rice-growing region that also dates from Moorish times is Calasparra in the province of Murcia, also in eastern Spain. Along the Segura River the Moors established an intricate system of canals, dikes, water wheels and terraced paddies, some of which are still in use today. l 2O SolbankPrestigeClub l SolbankPrestigeClub 21 Prestige Product Rice The rice of Valencia and Calasparra-paella rice - each has its own denominación de origen, designated origin label, which guarantees standards. Both regions grow japonica, round, short-grain rice. The varieties, which have been developed to favour Spain’s growing conditions, are Bahia, Senia, Balilla Sollana and Bomba. Bomba is not an instrument of terror, but a variety of rice prized because the grain doesn’t “flower” and get mushy when cooked in soup. (The word bomba means a water pump, such as used in flooding rice fields.) Bomba rice is usually marketed in sack bags. regions are not the traditional ones, and the variety of rice produced in them would never be used in typical paella. These regions are surprise! - first, Andalusia (Marismas de Guadalquivir in Seville, bordering the nature reserve of Coto Doñana, and Huelva), followed by Catalonia (denominación específica Delta del Ebro) and Extremadura. They farm predominantly indica strains, the longgrain “patna,” “pilaf” or “American” rice (Puntal and Thaibonet are the varieties). European economic subsidies provided the stimulus to expand production of longgrain rice, in order to compete against American imports - not in paella-land, but ques for producing new-fangled products such as quick-cooking parboiled rice and pre-seasoned rice. OUT OF THE RICE PADDIES Once an exceedingly labour-intensive crop, requiring manual transplanting and weeding, now rice is high-tech, from the research and development centre (IVIA) at Sueca, Valencia, to the fields, mills and packaging plants. The paddies are empty of workers, save a few staking out pheromone sticks, which use sexual hormones to confuse the rice weevil. BOMBA IS NOT AN INSTRUMENT OF TERROR, BUT A VARIETY OF RICE PRIZED BECAUSE THE GRAIN DOESN’T “FLOWER” AND GET MUSHY WHEN COOKED IN SOUP Any of these traditional short-grain rice varieties are suitable for paella and other Spanish rice dishes. The plump grains with their perla, pearl, of starch, have a wonderful capacity for absorbing the flavours with which they cook - olive oil, chicken, pork, seafood, saffron, and herbs. THE LONG AND SHORT OF IT However, not all rice grown in Spain is Spanish rice. In fact, the largest rice growing l 22 SolbankPrestigeClub in the northern European market. Britain, Germany and the Benelux countries, which prefer long-grain rice, were importing it from America. Now it’s home-grown in Europe. Spain produces 26 percent of rice grown in Europe, making it the second largest producer after Italy. One leader in the rice sector, the Herba Group (La Cigala and Brillante brand names), has conquered the European market (30 percent market share in Europe) by developing techni- While herbicides are necessary in modern rice cultivation, pesticides are little used. Prior to planting in early May, the rice fields are drained, ploughed and levelled by using a laser. Seed is sown broadcast (scattered freely) - in the Marismas de Guadalquivir, by small planes. The fields are again flooded, either by natural irrigation channels, as in the Albufera, or by pumps, as in the Guadalquivir, where the flow of water is computer controlled. When ready for harvest in September, the paddies are drained again. Special combine harvesters operate in the muddy fields. After the grain is harvested, fields are inundated until the next planting season. After harvesting, the rice goes through a two-step, temperature-controlled drying process. Next it is cleaned, hulled and polished before packaging. IN THE KITCHEN WITH RICE Traditional Spanish rice dishes fall in three categories: seco or “dry;” meloso, which is a “syrupy” consistency, and caldoso, soupy. Paella is a dry rice, meaning all the liquid is absorbed. All are made with short-grained Valencia or Calasparra rice. The preferred variety for caldoso dishes is Bomba. The rice is not washed before cooking. The usual procedure is to start with a sofrito, a slow sauté of meat, vegetables, tomato and garlic in olive oil. Liquid is added, then the rice added to boiling liquid. In the case of paella, the pan is never covered. And, unlike Italian risotto, the rice is not stirred while cooking, for stirring releases the starch. Spanish rice dishes almost always are coloured with saffron, paprika or artificial yellow colouring. It’s traditional. For those who don’t live in Spain and are searching for the right rice for paella, the closest substitutes for Valencia and Calasparra are Italian risotto rice varieties such as arborio. Short-grain rice, minus the saffron and steamed, produces a fluffy, slightly sticky white rice such as might accompany Chinese or Japanese food, perfect for eating with chopsticks. Long-grain rice (grano largo) is the sort to serve as a side dish with Middle Eastern kebabs or Indian curries. It cooks up with the grains loose and separate, rather than clinging to each other. It often is cooked with herbs, mushrooms, asparagus tips or other garnish, but, unlike short-grain rice, does not soak up the flavours. Vaporizado is the word for par-boiled, quick-cooking rice. Spanish producers also market some of the exotic rice varieties, such as Basmati. Brown rice, arroz integral, is unpolished rice containing the germ of the grain. It can be short- or long-grain. Janet Mendel’s newest book about Spanish food, My Kitchen in Spain--225 Authentic Regional Recipes, has just been published by HarperCollins-New York. l SolbankPrestigeClub 23 Destination Golf Novo Sancti Petri DESTINATION GOLF: NOVO SANCTI PETRI Something for everyone A short time ago I had the often-thankless job of organising a three-day getaway for my brother Mark’s family. Mark was coming to Spain for the very first time and I wanted everything to be perfect. He was coming with his wife and two children. Mark is an avid golfer and earlier telephone conversation indicated that his plan was to play as often as possible. His wife, by way of email, had asked for a bit of beach, some shopping, a nice hotel and some quaint places to visit. Although they never said anything directly, I knew the kids would basically be wanting a good swimming pool, good weather and little else. As they were coming in early April I decided we would have to head south if we wanted to guarantee decent weather. By Gaetano Aly. Photography: J. D. Dallet. l 24 SolbankPrestigeClub A fter a lot of thinking, the decision was made to spend the time on the Atlantic Coast near the town of Chiclana de la Frontera and the Novo Sancti Petri Golf Club. The course and the area promised something for everyone in our group. This region is considered by many to be the “Authentic Spain”; the image foreigners have of the country. It is the heart of Andalusia with its sherry bodegas, its flamenco, bulls and horses and its sleepy white villages. The climate also corresponds to the preconceived ideas of Spain. Lots of sunshine, very little rain and low humidity. This also makes it the ideal destination for the type of trip I was to plan. That, however, is enough about the beach and the villages. We are here to talk about golf and fortunately I got my fill of it on this three-day trip. Novo Sancti Petri after all is about golf. 36 holes of it which are divided into two - par 72 - 18 hole courses, called simply Round A and Round B. Round A is the older of the two courses and offers a more difficult play on a slightly more mature course. Round A is also known as the Sea-Pines course for reasons that become obvious once you have played here. The sea referred to, however, is not only the nearby Atlantic but also a series of water hazards strategically placed around the front nine. The signature hole here is the sixth where the green is built right on ALTHOUGH THE CENTRE COURSE IS AWAY FROM THE OCEAN, WATER HAZARDS ARE THE PLAYER’S MAIN CONCERN HERE WHERE A TOTAL OF SIX LAKES ADD WONDERFULLY TO THE PLAY To be honest, however, what really swayed my decision was the fact that I had long wanted to play a Severiano Ballesteros designed course. Nova Sancti Petri is not only the first course Seve designed but also offers 36 holes of his work. Once at our destination we split into two groups, the golfers and the non-golfers. The women and children (non-golfers) spent their time visiting the nearby towns of Cádiz, Jerez and the charming El Puerto Santa María. They even had time for a day trip to Seville (155 km.). They also spent a lot of their time lazing on the magnificent beach of La Barrosa. Although I didn’t spend any time on the beach myself, I can attest to its magnificence both from my wife’s reports and because I saw it all from the breathtaking sixth hole. the beach. It’s a spectacular “picture perfect” hole and the one most photographed at Sancti Petri. On the back nine the pines come into play. To be honest they came into play a lot more than I would have liked. Although I was safe from the water, there are no water hazards on the back nine, I seemed to spend an awful lot of time among the trees. Round B also known as the Centre Course is a slightly less difficult, less mature 18-hole course. The first 9 holes are flat, with a lake between hole 5, 8 and 9. From hole 10 to 13 the terrain is undulating and offers magnificent views of the Atlantic Ocean. Although the Centre course is away from the ocean, water hazards are the player’s main concern here where l SolbankPrestigeClub 25 Destination Golf Novo Santi Petri a total of six lakes add wonderfully to the play. The other problems I faced included the abundant vegetation growing just off the fairways, strategically placed bunkers and the seemingly constant ocean breeze. After playing both courses I would recommend the Centre course for higher handicap players although it is interesting for players of all levels. The 18th hole of the Centre course leaves the golfer with something by which to remember Novo Sancti Petri and especially its designer Severiano Ballesteros. Along this last fairway Severiano has literally left his signature. A perfectly cut S-shaped bunker is the last hazard you will have to surmount on the course. However, even if your ball ends up in this peculiar bunker, as mine unfortunately did, you can’t help but smile a little at the sight of Seve’s little joke. Or maybe that smile comes naturally at the end of a fine day of golf. Golf Novo Sancti Petri, S.A. Urb. Novo Sancti Petri, s/n 11130 Chiclana (Cádiz) Tel: +34 956 494 005, +34 956 494 450 Fax: +34 956 494 350 e-mail: [email protected] Web site: www.golf-novosancti.es Facilities include: Driving Range of 280 m for up to 70 players simultaneously (21 spaces covered). 4 Putting and Pitching Greens. 9 holes Pitch & Putt. A-la-carte restaurant Bar-cafeteria Pro-Shop Golf Academy Changing rooms with showers Sauna Children's club and babysitting service Where to stay: Novo Sancti Petri offers a bus service to and from many of the area hotels. There is no shortage of places to stay in the area. The offer ranges from hostels to luxury accommodation. Meliá Sancti Petri 5-star Luxury Urbanización Novo Sancti Petri 11139 Chiclana de la Frontera (Cadíz) Tel.: +34 956 491 200 Web site: www.solmelia.es Tryp Sancti Petri Novo Sancti Petri 11130 Chiclana de la Frontera (Cadíz) Tel.: +34 956 496 040 Email: [email protected] Web site: www.trypnet.com l 26 SolbankPrestigeClub A Day in the life of: Elena Esch Kupke By Matthew Arribas E German to Spaniards, a business that has been booming in lena Esch Kupke’s story is a little different from our recent years. “Now, more and more I find it is Spanish I am teausual Day in The Life story. Most of these stories concern ching to Germans - not only that, I also make sure they learn a people who have come to Spain as adults and have changed little about the culture, the history, the humour, politics and their lives as a result. Elena, however, actually celebrated her everything else that one should know when living in a place.” first birthday under a fig tree on the island of Ibiza. A day in Elena’s life is a busy one. She teaches daily for a German born Elena Esch Kupke’s parents first came to total of 20 class hours per week. For the rest of us this may Spain on an extended holiday in 1954. They first stopped in seem a light load but for each teaching hour add at least anotMallorca but even then they found the island had too many of her one and a half for preparation and their fellow countrymen for their likes. you begin to get an idea of how busy she It’s not that they held anything against is. As if this were not enough, during the them it was just that they were looking for long Ibiza summers Elena also works for what they considered a smaller, more a company selling fashion jewellery at romantic, setting. With the decision any of one of the six stands the company made to leave they hopped on the first has set up in hotels throughout the cargo boat to nearby Ibiza. Here appaisland. “Stressful but a lot of fun,” is how rently they found what they were after for she describes her day. Elena’s mother still lives on the island. The little time that she is not working Elena first visited the island when she she uses to enjoy the island and her was only 11 months old - thus the rather family. The two offspring from her first unique birthday celebration, although it marriage, Elena aged 25 and Manuel was not until 1966 that she went to live aged 27, both live on the island and the there. But not for good - between mainthree have a very close relationship. One land Spain, Ibiza and Germany, Elena year ago Elena happily remarried. Her changed schools 17 times. “As the Spanish A D AY I N T H E husband is a former Scottish biochemist say, I was like a snail, always carrying my LIFE OF: who works the night shift in reception at home on my back” says Elena of those one of the island’s hotels. “Unfortunately days. LANGUAGE TEACHER there just is not any work in his field here, Once out of school the moving still but we both love the island so much that did not stop. At the ripe young age of 18 ELENA ESCH KUPKE leaving is out of the question,” she says. Elena met and soon married a Spanish Knowing a lot about both Spanish and professional scuba diver. The couple German life, she is able to make a studied comparison of the lived not only in Ibiza but in Málaga and Tarragona as well. two. If she could take anything from Germany she says it would All of this travelling around has left its mark on Elena and a be how well things are organised. “Thankfully I learned organigood mark it is. Today you would be hard pressed to find a sational skills in Germany. Some times the lack of it here is more open, friendly person. “Being the new kid means you annoying, everything is done at the last minute. But the positive have to learn to make friends quickly,” she says. It has also, aspects of life here greatly outweigh the negative and so I stay however, left her always feeling just a bit out of place. “It’s funny and am happy,” she says. but when I am in Germany I do not feel German and when I am She also likes the multicultural aspect of life on the island. in Spain I am not totally Spanish. Although after all this time I “At last count there were people of 42 different nationalities have begun to feel more Spanish than German.” living on Ibiza. When you consider that the population is only Whatever her feelings, her contact with both cultures and about 100,000 here it makes for quite a blend. No one here languages has been a big plus in her life. Today Elena earns a looks at you in a strange way because of what you wear or how living by teaching both Spanish and German language classes. you talk. Living in an open society is important to me and I feel Her students are mainly adults and more and more of them are comfortable here,” she concludes. Germans who have come to Ibiza to live. Originally she taught l SolbankPrestigeClub 27 Spain’s Hidden Treasures La Cartuja de Valldemossa La Cartuja de Valldemossa The Cartuja - a hidden treasure? We are well aware that those who live in Mallorca will be shaking their heads at the idea of the La Cartuja de Valldemossa as a Hidden Treasure. While we are quite sure you will not argue the fact that the Cartuja is an important treasure, you are sure to find it hard to agree with the hidden part. The Cartuja is after all one of the most well known landmarks on the island. By Patrick Aznar O ff the island, however, things are different. Few people have ever even heard of Valldemossa, much less La Cartuja. Many people still believe that Mallorca is all about sun and beaches and little else. It is for these people that we have chosen this lovely monastery as our hidden treasure. We want to share this admittedly well-known Mallorcan secret with the rest of Prestige Club members. La Cartuja is a Carthusian Monastery dating back to the year 1399. Its original inhabitants were Carthusian monks, followers of a very strict religious order l 28 SolbankPrestigeClub founded in Chartreuse, France, in 1084 by Saint Bruno. The monks lived and studied in La Cartuja until the year 1835. Only a few years after the monks left, La Cartuja received the visit of its most important guests to date. In the winter of 1838 1839 the composer Frederic Chopin accompanied by his partner, the female writer George Sand, lived in one of the monk’s cells. Chopin said of La Cartuja that it was the most beautiful place in the world and Sand added that the natural beauty of the area offered everything a poet or a painter could ever dream of. The Cartuja stands at the centre of the lovely town of Valldemossa just 19 kilometres north of Palma. Even though there has been extensive building in the area, Valldemossa retains the charm that so attracted Chopin over 100 years ago. Even if it were not for the Cartuja the town is worth a visit for its narrow cobble stone streets and flower-filled window boxes. Fortunately, however, la Cartuja is here and it is no longer reserved for monks and piano geniuses. All of us can visit the Cartuja and its lovely gardens. A VISIT TO THE CARTUJA INCLUDES: The Church This monumental neoclassic church was constructed in the year 1751. The green tiled domes under the bell tower are complimented with frescos by the painter Bayeu, Francisco de Goya’s brother-in-law. Pharmacy In the 17th and 18th century this actually was a pharmacy. Today, the walls are still lined with over 135 Catalan ceramic bottles originally used to store medicines. Prior’s Cell Here one finds an interesting collection of documents, paintings, furniture and religious objects left by the Carthusian monks. Cell 2 Inside one finds original sheet music written by Chopin as well as literary manuscripts by George Sand. There are also a series of letters the two wrote while staying here and some of the couple’s original furniture. This is also where the International Chopin Festival has its headquarters. Cell 4 This room is worth a visit to the island in itself. Here is the star of the collection. Inside is the actual piano that Chopin used to compose his works while staying in Mallorca. MUNICIPAL MUSEUM King Sancho Palace This was the first royal residence at the Cartuja and the first to be used by the Monks. A number of elements remain from this time including the original stairway and the defence tower. In the early part of the 20th century it hosted illustrious guests such as the writers Ruben Dario, Miguel de Unamuno and Eugeni d’Ors. Music Hall In the music hall there are piano recitals every day of the week except Mondays and Thursdays when a local dance group performs. Claustre de la Cartuja 07170 Valldemossa Tel.: + 34 971 612 106 Every August La Cartuja is home of The International Chopin Festival. Apart from the daily performances there are special concerts every Sunday evening throughout the month. Advance ticket sales begin July 1, and cost between 15 - 20 euros. Concerts begin at 22.00 hrs. FOR MORE INFORMATION CONTACT: Chopin Festival La Cartuja de Valldemossa Celda nº 3 07170 Valldemossa, Mallorca Tel. & Fax: +34 971 612 351 Antique Guasp Printing Press On show is one of the best conserved printing presses of its kind in Europe dating back to the 16th century. There is also a collection of other tools used in the printing process. l SolbankPrestigeClub 29 Walking Tours Lanzarote The wrinkled skin of Lanzarote conceals one of the most striking stories in Spanish mountain formation. Its surface was forged by the force of fire and water. Its volcanic entrails have belched forth the landscapes that we are going to discover in the course of the next three days: the colour of the soils, the arid mountains, the strange vegetation, unique in the world, and the ingenuity of the islanders who have managed to turn the tough natural conditions to their benefit by taming the wild spirit that dwells in the bowels of the island. By Francisco M. Martín Lanzarote: A LAND OF FIRE AND LAVA T he tenacity of these people has shaped a unique landscape at the service of farming and tourism. The talent of Lanzarote’s emblematic artist, Cesar Manrique, succeeded in blending the harshness of these lands with the luminosity of their skies and waters. Thanks to him we may discover the close relationship existing between the art of nature and the art of man. l 30 SolbankPrestigeClub Nevertheless, our route sets out to avoid - as far as possible in such a small island - the tourist centres and the classic programmed visits. To this end we will set off from the little village of Femés, perched on the top of a ridge, which offers a panoramic view over the Rubicón plain at the so-called Balcón de Femés. From here there runs a little road that drops down towards the coas- tline until reaching the resort town of Playa Blanca. The way we chose, however, will take us into the lonely rocky mass of Los Ajaches, before finally arriving at the destination mentioned above. The path branches off the main road and climbs up towards a few houses and buildings belonging to goatherds, on its way up to Pico de la Aceituna. In barely 300 metres of stiff climbing we reach the Day 1: Femés to Playa Blanca via Los Ajaches Day 2: Playa Blanca to Yaiza along the coast of Los Hervideros Day 3: The interior of Timanfaya base of the peak to get a view of the steep sides of the lonely ravine known as La Higuera. Here we have to turn off to the right, bypassing the head of the valley, to circle round over gently-sloping ground between the hilltops of Pico de la Aceituna and Pico Redondo. The track has disappeared, but the way is clearly marked by rows of stones. The scant tufts of vegetation appear here and there amongst these yellow and ochre tinted soils. Gorse, tobacco grass and daisies flourish amongst the low clumps, in an environment that offers shelter to a wide variety of animals, the most remarkable of which is the “hubara” or Canary Island great bustard. Few in number and extremely hard to see, this great bird lives in the dry stony areas of Lanzarote. As we move on, we can make out Punta Papagayo cape, Playa Blanca beach, and in the distance Roja mountain. We will soon start a sharp descent down to a turn off to the right. The path heads into the rocky mass of Los Ajaches in the direction of the Hacha Grande ridge, but finally skirts round the summit and advances along the narrow raidge separating the Dises y Parrado gullies, dropping down into the Parrado ravine before reaching the coast line at Punta Gorda. We are now faced by a lonely stretch, only frequented by goatherds, where an endless series of ups and downs lead us across countless gullies which end up in the Atlantic and drain off the meagre rainfall in this part of the island. Solitude is the dominant feature of the landscape, until in about three kilometres we come to a wide track, along which we have to make a detour to the left to visit Punta de Papagayo. This attractive spot has a number of beaches, the first of which, Puerto Muelas, is provided with a car park, so that we are returned to the hustle and bustle of the island. Later on, after passing by some fishermen's cottages, we come to Punta de Papagayo. From here, to the south we can clearly l SolbankPrestigeClub 31 Walking Tours Lanzarote make out the nearby Fuerteventura and its islet, Lobos; and to the north-east the coastline of Lanzarote with its capital Arrecife and Puerto del Carmen. The colourful waters of the Atlantic are an open invitation to relax in the nearby coves that extend towards Playa Blanca. They are the Papagayo, Pozo, Mujeres and Coloradas beaches, all linked up by footpaths and tracks. Farther to the west we reach the colonial Castillo de las Coloradas, a squat round tower that heralds the extensive development of Playa Blanca. We will be spending the night at this tourist resort, after walking for around 22 km. We will set off early on the next morning, as w have 26 kilometres ahead of us. Once again we head towards the west along the local road until we come to Punta Pechiguera with its white lighthouse, and then we make our way along the paths of lava of the Rubicón coast, a lonely spot where the sea clashes violently with the lava streams and has sculpted a series of little barely accessible coves. Hugging the coastline all the time, we will pass through the Atlante development and head on to a spot known as Las Maretas, where the lava has formed some little natural pools that are covered with water at high tide. There are no beaches here, but it is possible to relax and cool off in these rock pools. The path zigzags its way along the shore line, although if we get tired and want to move on faster, we can go inland a bit until we come upon a better surfaced road. It is the same road we have to take if the weather conditions take a turn for the worse. In any case, we will come to Salinas de Janubio, after passing by the beach of the same name and a vantage point. These salt flats are a reference point for ornithologists, as it is the best place on the island for watching migratory birds. After taking the CV local road, which heads north-east, we will reach Los Hervideros and later on El Golfo lagoon. The first place shows us how volcanic eruptions have formed tubes and tunnels, known as "jameos" in Lanzarote, which link the depths of the ocean with the interior of the island. El Golfo is a beautiful green lagoon, formed in the basin of an old volcano which has been exposed by marine erosion, with its cone reduced to half its size. From here we can go on to spend the night at the village of Casas de El Golfo and savour l 32 SolbankPrestigeClub the most authentic atmosphere of this island, or else move on to the small town of Yaiza, the administrative centre and gateway to the Geria district. We will be spending the last day in the Timanfaya National Park. Visitors, who are limited in number, are only allowed to follow two possible routes in this impressive nature reserve. One traverses its south-western sector in the course of a visit that can be booked over the phone or in person at the Mancha Blanca Visitor Centre. With the aid of off-road vehicles under the supervision of specialised guides, we will drive into the Park and later penetrate into the fields and streams of lava on foot. This is a very short walk, barely two kilometres, but the wealth of information provided by the wardens makes it a fascinating stroll, which lasts around three hours. During the visit we will be told about lichen colonisation, the different types of volcanic phenomena that have affected Lanzarote and, with a bit of luck, we may catch a glimpse of the occasional Egyptian vulture. A more flexible option, which can be done with or without guides, is to take the route that crosses the whole of the Park along the shore line from Casas de El Golfo to La Madera beach, with a connecting road to Mancha Blanca. It is a nine-kilometre walk amongst lava streams and malpais, which represent the natural follow-on to our previous day. Unlike the second day, however, in this section we will be crossing the island's youngest terrains. The most recent volcanic action has created a rugged landscape well worth viewing up to the end of our route. HOW TO GET THERE Lanzarote is best reached by plane to the island's airport, close to its capital, Arrecife. From here to Femés there is a bus service. By the way, buses on the Canary Islands are known as "guaguas". WHERE TO SLEEP There is a wide variety of accommodation, ranging from hotels to rural guesthouses. Femés Casa de la Caldera +34 928 173 284. Playa Blanca Las Laderas + 34 928 517 575. Hotel Corbeta + 34 928 517 000. Hotel Lanzarote Princess + 34 928 517 108. Yaiza Finca de Las Salinas + 34 928 830 325. WHERE TO EAT Playa Blanca Restaurante Almacen de la Sal + 34 928 517 885. El Golfo Restaurante El Golfo + 34 928 173 147. Yaiza Restaurante La Era + 34 928 830 016. INFORMATION Oficina de Turismo del Cabildo Insular (Canary Island Tourist Office), in Arrecife. + 34 928 813 792. Mancha Blanca Visitor Centre. Timanfaya National Park. + 34 928 840 839. Cesar Manrique Foundation. + 34 928 843 138. Lanzarote Rural Tourism Association + 34 928 811 654 / 800 456. FESTIVITIES Femés Feast of San Marcial de Rubicón, the patron saint of the island (7 July). Playa Blanca Feast of the Virgen del Carmen (16 July). Yaiza Feast of the Virgen de los Remedios (8 September). l SolbankPrestigeClub 33 Food and Drink Restaurante La Casa Portuguesa Calle San Vicente, 39 03500 Benidorm Tel.: + 34 96 585 89 58 Never Closes. Accepts MasterCard and Visa Food and Drink La Casa Portuguesa Benidorm is Europe’s largest holiday resort and at the last count had 369 restaurants. Most of these cater for the native whims of unadventurous tourists, with a quarter of a million wandering around at the peak of the season, so seeking out a good, down-to-earth, Spanish restaurant with sensible prices is actually not easy. By Edward Owen S ince Benidorm also happens to be by far the most professionally run holiday destination in Spain, I will admit I took a short cut to my goal by asking tourist experts at the town hall where they would go for a nice lunch. I was led through the charming narrow alleyways of the old town, on the hill between the Levante and Poniente beaches, to La Casa Portuguesa. The name is to put you off the scent: it is mainly Spanish but was opened 22 years ago by a Spanish fisherman whose Portuguese wife did the cooking. Now it is run by his amiable son Juan Orquin and his cheerful wife Lili. In good weather there are tables and chairs outside in the pedestrian alley. Inside it is cosy with big windows, a small bar, terracotta floor, lots of woodwork, rare old photographs of Benidorm and white on green table- l 34 SolbankPrestigeClub cloths. Outside the door the day’s large menu is prominently displayed. Juan, who was also serving the PR department of the Terra Mítica theme park when I was there, is a genial host and there’s a good relaxed atmosphere to set you up for a long sobremesa over the coffee and copas. He buys his fish from the market everyday. For starters we had a variation of his Escalivada (3.01 euros), sliced and chilled sweet red peppers and aubergine drizzled with oil and served with mojama de atun - sliced dried tuna tasting like fishy ham, strips of salt cod and maize bread. Enjoying this with a bottle of white Castillo de San Diego (10.22 euros, a little pricey) from Barbadillo in Cádiz, this gave him time to prepare one of his specialities, Arroz a Banda (a bargain 8.26 euros for 2). This is a very popular Spanish dish which looks deceptively like a rice paella without all the bits. In fact, the rice is cooked in a rich fumet or stock made from an assortment of fresh rock fish and vegetables. Juan’s stock is first rate, helped by the addition of bony Red Scorpion Fish, Cabracho, the rich taste of which makes a great mousse or savoury pudding. It seems a shame to make a stock from all that expensive fish, but the end result is a treat and easy to eat. The secret of Valencia rice is its enormous capacity to soak up and conserve the juices it is cooked in. Here is was served in a large metal cauldron with bowls of cold garlic mayonnaise, possibly an acquired taste, but certainly a Spanish tradition I personally enjoy. For sweet we were offered huge servings of Molotoff (7.01 euros), which looked a challenge but was light, fluffy, sweet and melted in the mouth. Tucked away from the beaches and the hordes, La Casa Portuguesa is a great escape. Escalivada Ingredients (4 persons) 2 Sweet Red Peppers ▪ 2 Aubergines ▪ salt ▪ virgin olive oil ▪ vinegar. Preparation: Put the pepper and aubergines (pricked) in an ovenproof dish and drizzle lightly with oil. Place under grill, turning when skin is charred, or bake in oven at 180º C for 20 mins or until tender. Remove and skin and tear into strips. Serve side by side on a dish, sprinkled with a little vinegar, oil and some salt - according to your usual tastes for salad. Can be served with cured or tinned tuna. Arroz a Banda Ingredients (4 persons) 2 kg. of mixed rock fish such as monkfish ▪ bass ▪ mullet ▪ cod ▪ conger eel ▪ heads and bones (especially monkfish or sole) to make stock ▪ 1 dried (or fresh) sweet pepper ▪ 0.25 kg. of squid rings ▪ 2 large tomatoes ▪ 1 onion ▪ 200 gr. cabbage ▪ parsley ▪ 4 cloves of garlic ▪ bay leaf ▪ virgin olive oil ▪ salt ▪ pepper ▪ 500 gr. round/short grain rice ▪ 2 teaspoons of La Mancha saffron strands ▪ 2 lemons and garlic mayonnaise. Preparation: To make the stock or fumet, fry the pepper gently in oil and then crush in a mortar or blender with 2 cloves of garlic and some parsley. Put this is in a large casserole or saucepan along with the fish, large tomatoes halved, bay leaf, cabbage, onion halved, pinch of salt and pepper, and add 4 litres of water. Bring to the boil and then simmer for about 45 mins. In a large iron casserole, put in enough oil to fry the squid with two diced cloves of garlic and set aside. Mash the stock when ready and then strain it, preferably through muslin to catch all small bones, into a large container. Discard the fish pieces etc. Put the rice into the casserole with the squid and briefly stirfry. Now add 3 litres of stock and cook for about 20 mins. or until the rice is sticky and cooked. Five minutes before you take it from the heat, grind the saffron strands into a powder and stir it into the rice. Serve with lemon wedges, a bowl of garlic mayonnaise (alioli in Spanish) and warm crusty bread. Molotoff Ingredients (4 persons) 10 egg whites ▪ 200 gr. sugar ▪ grated chocolate. Preparation: Beat the egg whites in a large bowl until they are like whipped cream, beat in the sugar. Place in an ovenproof bowl, put that bain marie style (in another bowl with water) in the oven and bake for about 25 minutes at 120º C or until the top is lightly browned. Chill in the refrigerator. Serve sprinkled with grated chocolate. DEHESA LA GRANJA 1998 Thirty years ago Alejandro Fernández, who had been a carpenter, blacksmith and inventor of a sugar beet harvester, founded a bodega which was to make his home town of Pesquera famous. These days a bottle of Pesquera is the benchmark with which good Ribera de Duero tintos are compared. Vintage bottles of Pesquera go for a song and the wine guru Robert Parker considers it one of the top ten wines in the world. Sr. Fernández seems like a modest, friendly farmer but he has an amazing energy and grasp of what is needed for good winemaking. He and his daughters followed up the success of Pesquera by building a huge bodega at nearby La Haza to produce Condado de Haza and now he has opened new bodegas in Toro, to the west, and Castilla -La Mancha, south of Madrid. In Vadillo de la Guareña, his Toro wine is Dehesa La Granja and in Campo de Criptana, his La Mancha red is El Vínculo. Although the latter is good, it is the Toro that is even more promising. Sr. Fernández is especially proud of his new bodega just south of the River Duero and Toro. It is basically an 800-hectare finca with horses, cows, sheep and corn with 250 hectares now planted with vines. He eschewed the autochthonous Tinto de Toro to plant Tempranillo because, he says, it’s the “Queen of Spanish varieties” - and no doubt because he is most familiar with the grapes. The bodega itself has huge underground cellars carved out of the living rock 300 years ago and the plan is to create above a large area for public visits with a shop, bar and restaurant to sell the local products - a happy trend on several Spanish wine routes. Dehesa La Granja is aged for two years in American oak barrels and the 1998 vintage is already drinking very nicely and should be even better after a few years in the cellar. It has an intense, light red cherry colour and an agreeable bouquet of dark wood fruits well balanced with oakiness. In the mouth it is lighter bodied than a Ribera but strong with a lingering, elegant taste of fruits and oak with mature tannins. Good to have with roast lamb or grilled meats or cheese and with age, good with feathered game. Dehesa La Granja, 13.5% by volume. 11 € Bodega y Viñedos Fernández Rivera S.L. Vadillo de la Guareña, Zamora. Tel: + 34 983 870 037. Fax: + 34 983 870 088 l SolbankPrestigeClub 35 Golf Lesson Improve Your Game: 1 2 Control the Distance A few issues ago I showed you the sure-out bunker shot, an alternative bunker method using a wide stance and a very wide, stiff wristed technique. This was a method for people who have great difficulty escaping from the sand. By Paul Aitken DLGA Regional Director (Spain). Photography: Jerónimo Alba l 36 SolbankPrestigeClub T his issue finds us back in the bunker this time though we’re not going to content ourselves with merely getting the ball out somewhere on the green, we’re actually going to try and get the ball close to the hole and down in one putt if possible. One quick look at the photos will tell you this is not the sure-out method but the conventional bunker technique. This method employs an open stance with an open club face with much more wrist cock in the backswing and then Keep the backswing fairly complete and then vary the amount of acceleration and follow through that you use on the shot. This will give you much more control over the flight and run of the ball. Photo 1 shows the conventional bunker shot set up - feet buried in the sand, club face open (pointing right of the target) and open stance (pointing left of the target). The weight favours the left side and the ball is situated opposite the left foot. Photo 2 shows me making a backswing with a full wrist cock. It’s also important 3 body has rotated through to face the target and the club face is held open (pointing to the sky). Photo 4 illustrates that I have released the club through and up to a more vertical position. Apart from that everything looks about the same. This should get you to the centre of an average sized green. Photo 5 shows a full follow through with the club having accelerated through to behind my back. This will get you to the back of most greens. Note how the legs have stayed quiet and the knees 4 5 of Your Bunker Shots taking a fine cut of sand using the bounce on the sole of the sand wedge. For the sake of convenience we will assume that you are getting out of the sand consistently but have trouble controlling the distance of your shots which is really what this article is all about. I have heard several theories from my pupils as to how best control the distance getting out of the sand. The most popular ones are opening the club face to different angles and striking the sand at various distances behind the ball. These ideas have a certain amount of credence but there is a much simpler solution. to keep the club face open, i.e. toe of the club pointing down to the ground. Keep the weight firmly planted on the left foot for the duration of the backswing. The most important key to getting your ball out is to accelerate the club through the sand. Now all you have to do is control the length of your follow through to control the distance the ball travels. Photo 3 shows a very short “cut-off” follow through which will produce a shot distance with a ball that pulls up abruptly. This is ideal for a hole cut just a few feet from the edge of the green notice how the feet stay quiet, the upper remain flexed. This will prevent you from “coming up” on the shot and taking too much ball and not enough sand. The key to success is to find a practice bunker and to experiment so that you are confident before you go on the course. Whilst practising don’t worry if you “blade” a few over the green - that’s what practice is for and before long you’ll be able to impress your friends by getting up and down from the sand on a regular basis. DLGA Barcelona Golf Garraf. Urb. Garraf II Les Botigues de Sitges 08860 Castelldefels. Barcelona l SolbankPrestigeClub 37 Costa del Sol News Compiled in cooperation with “Costa del Sol News” Málaga powers up for summer Málaga is having a major electricity upgrade to avoid the risk of power cuts during the high-demand summer months. The supplier, Sevillana-Endesa, is taking steps to increase capacity and improve distribution, and has guaranteed that supplies will be maintained. A large part of the high-tension network will be reconfigured to eliminate bottlenecks in order to avoid power failures such as in Catalonia last year when the system could not cope with high demand. Launching their "Plan Málaga" last week, Endesa revealed its investment, equivalent to 4,000 million pesetas over three years, After the warmest summer for 40 years, Málaga has had one the wettest springs in its history. March weather records from the airport showed 113.2 litres of rainwater per square metre, which is over twice the average for the last 30 years. In Antequera and Vélez-Málaga, rainfall in March was three times the average. Producers of cereals, citrus fruits, which includes major work in the capital to improve supplies around the Guadalhorce Industrial Estate. While demand throughout Andalusia has risen by 2.9 per cent in recent times, demand in the province of Málaga has risen by 4.1 per cent, reflecting the growing number of homes and support infrastructure on the coast, with a total of 4,229 GwH supplied last year. Telefónica hears Ronda’s Protests Free Land for Basic Housing Year-long protests by staff, parents and pupils at the placing of a giant mast housing mobile telephone antennae close to an educational complex have paid off. The telephone company, Telefónica, has agreed to move its antennae from El Fuerte after discussions with Ronda Town Hall. The new mast will be situated 10 kilometres outside the urban area. In a stark contrast with the tower's current position in the centre of Ronda it will now be erected at Puerto de Encinas Borrachas, a barren wind-swept hillside, on the Ronda to Algeciras road. Ronda's Mayor, Juan Benítez, expressed his satisfaction at the outcome of the negotiations between his administration and the telephone company. Sr Benítez said that the Town Hall would collaborate with Telefónica to ensure all the permissions necessary for relocating the antennae were forthcoming. Málaga Taxi Test Taxi drivers in Málaga will be required to undergo a psychological test to determine their suitability for the job. The Town Hall has announced that the test will be required for all new applicants. The president of the drivers' association in the city has also suggested that they should be tested on their knowledge of Málaga's streets. l 38 SolbankPrestigeClub From Hottest to wettest Mijas Town Hall has announced that it is willing to make available municipal land at no cost to construction companies for the building of homes for young couples and people with limited financial resources. The initial request will be for 381 homes costing between 36,000 and 54,000 euros, with between 60 and 90 square metres each. The Town Hall will consider bids from interested companies within the next few weeks. olives, almonds and sub-tropical crops are said to be delighted. Ten per cent boat increase The Tourist Board has confirmed the necessity to provide many more moorings for boats at Costa del Sol marinas. The increase is made all the more urgent as the authorities predict that demand will increase by 10 per cent in the next few years. The board was making its point at the Exponáutica exhibition in Madrid, which the port of Benalmádena and the Estepona tourist office attended. The Madrid market is a very important consumer of nautical related products. Better Postal New Aspandem Service Centre Aspandem, the parent's association of the mentally and physically handicapped of the Marbella area, is to build a new centre for seriously infirm people in its care. The urgently needed facility will be built on land ceded to the association by Marbella Town Hall. It covers an area of 6,000 square metres between Calpe College and El Ingenio. When operational, the centre will provide 48 residential care places in 24 double bedrooms. The provincial director of the post office, María José Ródenas, has confirmed the service’s intention to increase staffing levels by 10 per cent in Fuengirola. The objective is to improve services in Fuengirola and Mijas, which now total more than 100,000 inhabitants. The Fuengirola post office will have 80 staff, of whom 56 are to be dedicated to delivery services. For its part, Fuengirola Town Hall has undertaken to improve street signs, especially in the Torreblanca area. Costa Blanca News Compiled in cooperation with “Costa Blanca News” Passenger growth too fast for planned terminal extension Alicante airport’s record passenger movement growth has shattered national airport authority AENA’S schedule to extend the main terminal, forcing the construction of a temporary departures building to cope with extra flights. AENA approved an urgent scheme to demolish the office building located alongside the control tower to the right of the main terminal, and erect a temporary 'Meccano-style' terminal with 14 checkout counters and two luggage conveyor belts. Airport management says the displaced offices will be transferred to prefabricated modules on an adjoining site. Due to the inconvenience involved, including the relocation of over 70 members of staff and transferring air navigation systems, work will not commence until after summer. In the mid term, AENA plans to build a new five-storey terminal with two boarding passages and 14 new 'fingers' alongside the current terminal building. A railway terminal, a larger aircraft parking area and a new 3.4 kilometre-long runway are also planned. Hopes high for Vega Baja Hospital Alicante and La Villa united The new electric tramline link between Alicante and Villajoyosa will be in operation by the end of summer. Public Works has announced that the first phase of electrification of the existing railway line between La Finca Adoc and Campello has just begun with the aim of completing the work within five months. Once completed, passengers will be able to travel by tram between Alicante's Plaza del Mar and Villajoyosa. Valencia publishes rural hotel guide The Valencia Tourism Agency (AVT) has published a new guide to inland hotels and guesthouses. Over 400 rural guest houses, campsites and bed and breakfast establishments have been listed in the 2002 guide which also gives full details of locations, prices and telephone numbers. The ongoing campaign for a second public hospital in the Vega Baja moved a stage closer to success when regional president Eduardo Zaplana said plans are now under consideration. Speaking in Orihuela, Sr Zaplana promised the new hospital would be built in due course, although the location has yet to be decided. Torrevieja has long campaigned for a new public hospital to be built in the town and a possible site has been earmarked. President Zaplana stated the hospital would be situated between Orihuela and Elche, leaving the options open for locations in Guardamar del Segura, Santa Pola or one of the inland towns such as Rojales or Jacarilla. The inference is that the hospital would not be specifically for Torrevieja, but for the Vega Baja as a whole. However, as Orihuela already possesses a public hospital, it is hoped that Torrevieja will be chosen. Private Security on Patrol Members of Alicante City's commercial federation have announced plans to contract private security companies to patrol areas that many shopkeepers consider are unsafe. The move by the federation follows an increase of crime against commercial and retail establishments, which they claim the police cannot prevent with their present manpower. Ciudad de la Luz underway The development company at the centre of Alicante's Ciudad de la Luz project has submitted its application to begin building work to the city council. Costing around 90 million euros, Ciudad de la Luz ambitiously hopes to become a world leader in the audiovisual and filmmaking sector. Development work is scheduled to begin in three months with the first phase being completed in a year. Altea finally gets on track Altea's urban development councillor Jacinto Mulet announced that work on removing the train level crossings on Costera de Las Narices and Santa Clara has finally begun. After years of discussion, the two level crossings within the municipality will be eliminated. One will be replaced by a viaduct, the other by a tunnel. The Ministry of Public Works has financed the project to the tune of 6.3 million euros and the work is scheduled to be completed in 16 months. Council officials are liasing with construction companies and other agencies to try and avoid chaos during the works as traffic levels rise as summer approaches. l SolbankPrestigeClub 39 Mallorca News A 25 per cent drop in summer reservations Tour operators are warning hotels that reservations for the peak summer months of July and August are down by between 15 and 25 per cent as compared to this time last year. The drop comes essentially from the German, French and British markets. The largest decrease is from the German market where reservations are down by nearly 25 per cent. French figures have shown a 20 per cent decrease and the UK predicts a 14 per cent drop. Hoteliers are blaming the poor figures on the newly imposed Eco Tasa or tourist tax in the Balearic Islands. The amount of tax paid by tourists varies from .5 euros per day to 2 euros per day depending on the category of the hotel in which they stay. The higher the category the more one must pay. New bone marrow transplant unit opened at Son Dureta A new bone marrow transplant unit at Son Dureta hospital was recently opened at a cost of over 390,000 euros with a further 119,000 euros having been spent on equipment. The unit includes an isolation area with ten individual rooms. This unit is equipped with a specific air conditioning system, which keeps out virus and bacteria and therefore cuts down the risk of infection. The existing bone marrow transplant unit of Son Dureta, which was set up ten years ago, has performed nearly 270 bone marrow transplants to date. Son Dureta officials have also announced that work will begin soon on a new heart surgery unit Council to help fight rising New Natural crime rate in the Balearic Monument in Mallorca Islands In an effort to quell the rising crime rate in the Balearic Islands, the government has announced the opening of a new anti-crime council. The government has also made a call to Madrid for an increased police force including National Police and Guardia Civil to patrol the island’s major urban areas. The moves come in response to the latest national crime figures, which showed that crime is increasing faster in the Balearic Islands than any other region in Spain. The crime rate rose by over 38 per cent in the islands last year while the national average showed only a ten per cent increase. Meanwhile, Juan Cotino, director general of the national police, played down the importance of the Balearics crime figures while at a European crime conference in the island of Ibiza. Cotino claimed that the region's crime rate is the lowest per capita in the whole of the Mediterranean. He blames the sharp increase on the new system used for calculating crime which he said is much more efficient and thus shows higher numerical figures but does not correspond to the reality of the situation on the streets. According to the ministry of the environment, the Balearic government has finally decided to declare Torrent de Pareis a natural monument. The moves makes it only the second natural monument in Mallorca, the other being Ses Fonts Ufanes. Torrent de Pareis is one of the most beautiful spots in the whole of the island and a significant refuge for much of the flora and fauna of the Tramuntana Mountain range on the north side of the island. The move will help protect this emblematic part of the island and it is hoped will open the way for other similar projects. at the hospital. Balearic car hire reservations on the skids Balearic car hire companies are understandably worried about the upcoming summer season. According to The Association of Balearic Car Rental Companies (AEVAB) advance rental reservations have dropped sharply for the upcoming summer months. The association’s vice president, Andreu Artigues, said the drop is due to the problems the hotel sector is suffering. AEVAB has over 200 member companies in the region and is responsible for nearly 40,000 vehicles. Due to the grim bookings forecast car rental prices are likely not to rise this season and the unsure Hostels too will charge tourist tax Not only the major hotels in Mallorca will be charging the Eco Tasa or the so-called tourist tax. The island’s hostels are also obligated to serve as tax collectors. Any tourist coming to the island no matter where they stay will have to pay the tax and those refusing to do so will be denied entry to hotels. summer has also meant that many companies have postponed upgrading their fleets. Rental agencies have put a hold on all new investments as they wait to see how the season turns out. l 40 SolbankPrestigeClub Home Banking Services Check your balance Make a transfer Buy shares Always by your side www.solbank.com Banco Sabadell Solbank Direct Solbank 902 343 888 The Bank you can talk to Costa Brava News By Steven Guest Quaint village says “no” to growth Unspoilt Begur looks out from a privileged hilltop spot on one of the most inspiring stretches of Costa Brava coastline. Despite its beauty it has managed to avoid the scare of construction work that has blighted many of the one-time quaint villages that dotted the coastline. Yet the pressure to grow over the last 10 - 15 years has been immense. Only by setting rigid local laws has the village retained its uniqueness. And while 50 - or - so urban developments have sprouted mushroom-like around the town, the Begur skyline is pretty much the same as that of 50 years ago. Despite all this, the recent construction of an apartment block on the seafront has roused the ire of locals so much that the council has had to stop the work. With space for new constructions severely limited, the only way to create new flats in Begur has been to divide up larger ones to create the holiday studios that are so much in demand. Now the council has put a stop to this practice too, with a law requiring all such divisions to create flats that are at least 120 sq.m., so keeping the town’s population down to a minimum. Second chance for MadridGirona flight When the direct flight between Madrid and Girona was axed last October many thought the service would be lost for good. Yet since last April two regional airlines, Intermed and Air Catalunya, have been flying to the capital with three daily flights each. Notably though, average plane fills have been disappointing, standing at around Cousteau to grace Costa seas It’s final. The Fundació Jacques Cousteau, which manages the legacy of the great French marine researcher, has decided to install a centre for investigation into Mediterranean marine life on the Costa Brava. The final decision seems to come down to a choice between Santa Feliu de Guíxols and Roses, both of whom have made concrete proposals to the foundation. Cadaqués and El Port de la Selva are also interested, but as yet haven’t come up with projects. A decision is expected over the next two months. Hoteliers criticise tourism policy Hoteliers down the Costa Brava are demanding new tourism policies from the regional government, the Generalitat. The move comes after press statements from the economy minister, Fransesc Homs. He told local authorities in coastal and interior towns to turn themselves into holiday towns for foreigners and city dwellers in Barcelona. The untimely call has left hoteliers pulling their hair out in frustration, especially with a slack summer season forecast just round the corner. They criticise the government for having no policy on tourism or sustainable growth in the area. The message from Pere Reixach, president of the Hoteliers Guild of Girona, is that the move would only create a new wave of senseless building in an already growth-devastated region. Hotels, he claims, are the “only way forward” for sustainable development along the Costa Brava and the inland Girona boroughs. 40%. These poor results have called into question the long-term viability of the Girona-Madrid service yet again - at least with two operators. And while the economics of the service provide the number crunchers with plenty to think about, there’s also a political twist. Air Catalunya has lodged a complaint with the European Union claiming that the subsidies being paid to Intemed by the regional governments is a violation of EU competition laws. The authorities counter that Air Catalunya don’t have the right authorisation to operate on this route, nor were its planes apt for passengers since they were originally freight carriers. Prawns galore Prawn fishermen are having their best season for years. Catches in the first few months of 2002 are already doubling those of last year. That’s good news for seafood lovers. With supply up, fresh prawns are selling at 30% below last year’s prices. Yet many fishermen claim the lower prices Noise pollution leaves residents hopping mad have left them no better off. According to the head of the fish market in Palamós, the only solu- Residents living in the Girona region are suffering from unsupportable noise pollution, say mayors from the area. The trouble: the whirring of light aircraft just 500 m. above. The Costa Brava airport is a favourite for learner pilots trying to get their hours up. The airport is particularly popular because of the area’s great visibility and weather. Yet with commercial traffic mainly operating during the week, learners have to do their time at weekends, leaving residents just hopping mad. Locals might take the state airline regulator, AENA, to court if the situation isn’t resolved soon. What’s more, they are claiming compensation for lost rest time! tion is to look for new markets abroad to sell prawns at higher rates. The problem is that the local industry doesn’t have the infrastructure to get their products into new markets. So, for the time being consumers can lick their lips. l 42 SolbankPrestigeClub Canary Islands’ News Compiled in cooperation with “Tenerife News” After the deluge - Counting the cost of the Santa Cruz calamity The authorities, like the people, are still trying to come to terms with the events of March 31 and are now counting the material cost of the disaster. Initial estimates put losses at around 100 million euros, according to the president of the Cabildo, Ricardo Melchior. But all the time new structural damage is coming to light in buildings throughout the city and it will be a long time before the final sum is known. Over 240 people in the capital have been made homeless as a result of flood damage and 500 other homes are in need of significant repairs. The regional and state administrations will be compensating flood victims to the tune of a maximum of 27,500 euros for damage to homes, 9,000 for cars and 3,600 euros for motorcycles. Human lives are impossible to value but it has been decided to award the families of the eight dead with 60,000 euros each. Businesses that sustained damage will also be eligible for economic aid. At a special meeting of the city council which began with a minute's silence for the dead, mayor Miguel Zerolo was warmly applauded by all present when he said: “No family in this city will be left without the necessary and sufficient financial relief to compensate them for the material losses they may have incurred in this catastrophe.” He added that over 7 million cubic metres of water fell on Santa Cruz in just two hours on March 31, the exact quantity normally consumed by the entire city over a six-month period. Underneath the arches - How can anyone say yes to this? Runway revelations A shock-horror image of the likely shape of things to come in northwest Tenerife, if the controversial TF-5 autopista extension goes ahead as planned, has been printed and distributed throughout the island. The poster produced by the protest group Coordinadora Ciudadana No a la Autopista Los runway has been hitting the head- Realejos-Icod is a wake up call to Tenerife's inhabitants to get involved, not only in this cause but in the wider debate about the preservation of the island's remaining environmental integrity and its protection from the devastating effects of the all-consuming modern day culture of the car. The photomontage picture shows the village of Las Aguas in San Juan de la Rambla as it will look if the planners have their way. It is based on the study compiled by the regional ministry of public works which embraces the concept of high-level aqueduct-like structures with singular enthusiasm. The continuing saga of TenerifeSur airport's projected second lines again thanks to some dirty digging on the part of one of Tenerife's busiest representatives in Congress, José Segura. Sr. Segura has informed the regional administration that he is certain the ministry of public works has not the slightest intention of constructing the preferred (by the Big bad baskets! - Cost of Canary living soars above mainland Spain Canary government) north runway Living in the Canaries has a price and unless you happen to be a subsistence farmer, that price is faithfully reflected in the weekly shopping basket. And the latest figures show that Canary Islands’ weekly shopping baskets are the most expensive in the whole of Spain. The Spanish Consumers' and Users' Organisation (OCU) has a regular survey which gives an option, but rather will press ahead, overview of prices of selected products throughout the country and it shows that Las Palmas, closely followed by Santa Cruz, currently tops the national consumer price index rating. In the case of Las Palmas, OCU's basket number 2, which groups together non-brand name items, was a staggering 35 per cent more costly than in Ciudad Real. A spokesman for the organisation said the main cause of the huge price differential is the lack of any discount stores here of the sort commonly found in mainland Spain. In the meantime, consumers continue to suffer from euro inflation. The latest big hike, sampled in McDonalds, concerns their once economically priced ice-cream cones. They have now jumped from 50 pesetas to 50 centimos (83 pesetas). Nice one, Ronald! if it has to, with the cheaper south alternative. According to Segura there is neither the available cash nor the political willpower to ensure the rapid processing of any runway plan. He says his worst suspicions are confirmed because the document that is supposed to approve the new runway does not specify a date for either starting or finishing the work. l SolbankPrestigeClub 43 Readers’ Page Readers’ Page Dear Reader, Remember, it is up to you to fill up these pages. We invite all of you to write in and voice your opinions or give advice on any aspect of living in Spain. If you think you have found the perfect weekend getaway, or a place to buy hard to find products, discovered a new restaurant, need help raising funds for a charitable project or anything else you feel our fellow readers should know… then drop us a line at: Readers’ Page Dirección de Pomoción y Publicidad Solbank Gabinete de Marketing y Publicidad Banco Sabadell. Plaza Catalunya, 1. 08201 Sabadell Tel.: 902 343 999 Email: [email protected] In Answer to your Questions Dear Mr. Maier, We would like to take this opportunity to thank you for your letter and support to Solbank. In the last issue of Solbank Prestige Club you kindly wrote in asking for a customer card to be issued by Solbank with the account number on one side and address, phone number and opening hours of the specific branch on the other. You will be pleased to know that Solbank does offer this service. Just ask for your Customer Card (shown here) at your local branch office. KIND REGARDS, SOLBANK Dear Reader, We have received a number of letters asking for some of the vocabulary used in bank statements to be translated into your native language. The following are a few of the terms frequently used in bank correspondence. Remember if you would like your statements sent to you in your own language all you have to do is ask any member of the Solbank team at your local branch. The Bank You Can Talk To not only speaks your language, we write it too. • Account: Cuenta • Balance: Saldo • Date: Fecha • Credit Card: Tarjeta de Credito • Cash Machine: Cajero Automatico • Debit: Adeudo • Credit: Abono • Statement: Extracto Home Buyer I have had a residence in the Costa Blanca for 14 years. I remember when I bought our villa that I crossed my fingers and hoped for the best. Neither my wife nor I spoke any Spanish at the time and the paper work, confusing even for a Spaniard, had us terrified. I was sure that either we would never get through it all or that when we did somehow the money would disappear and the house along with it. Fortunately we got through it and have been living happily in our villa ever since. I have been reading David Searl’s column “Living in Spain” with great interest and only wish it had been available when we bought our place. Thank you Mr. Searl for your interesting articles. I am sure they are helping a lot of people who are now in the situation I was so many years ago. Keep up the good work!! E.O. BRISTOL Bridge Club Can Anyone Help Me??? I am looking for a bridge club in or near Almeria. We are planning an extended holiday early next year and the thought of 3 months without my bridge game is too much for me. If anyone can help please contact Mr. Alex Clayton at Solbank who has kindly offered to forward all correspondence. B.P. DUBLIN l 44 SolbankPrestigeClub Open Day Recently I had a chance to attend the Solbank Open Day at Nerja. Both my wife and I had a wonderful time: the music was great, the drinks refreshing and the personnel both friendly and informative. I know that banking is a serious business but hey a little fun now and then never hurt anyone’s bank balance. Thank you Solbank for striking a fine balance between business and pleasure. M.K. NERJA Time-Share Every time I am in Spain I run into at least one person trying to sell me a time-share flat. It usually happens to me as I am out for a walk near my apartment in the Costa del Sol. I have always been a little wary of these fellows as the whole thing seems a rather dodgy scheme. Recently I heard from a neighbour who has bought into time-share that he could not be happier. He goes to a different part of Spain every year for two weeks. Last year he was in the Canary Islands with his whole family and had a wonderful time. Sometimes it makes me feel a little regretful for buying the flat. The reason I am writing is that I would like a bit more information on time sharing and thought it might make a nice article for Living in Spain. Or maybe another Prestige Club reader could write in and share their experience. I would be interested to know how it works and how satisfied clients are with time sharing in Spain. M.F. MIJAS Recycling I am surprised by recycling in Spain. My husband and I bought a holiday flat in Mallorca in the port town of Portals two years ago and we still don’t know what to do with all the plastic we use. The water in Mallorca is not fit for drinking so everyone on the island uses bottled water. We go through at least two five litre bottles a week and there is no recycling bin for plastic. It hurts me so have to throw them away. When I think about all the heavy plastic bottles that are going in the rubbish every day it gives me the shivers. Just up the street from us there is now a bin for glass and another for paper but still there is no place for plastic which in Mallorca should be a priority. If any reader has a suggestion of what we can do I would appreciate any advice. I hate the thought of all that plastic going to waste and either being burned up or buried on the island. A.C. POR TALS. MALLORCA Home Protection Plan You´re better safe... ...than sorr y! For further information please call our helpline on: 902 153 851 or visit our website at: www.solbank.com BanSabadell Correduría de Seguros S.A. Vinculada a BanSabadell Vida, S.A. de Seguros y Reaseguros del Grupo Banco Sabadell. Inscrita en el Registro Especial de Sociedades de Correduría de Seguros con la clave J-724. Concertado seguro de Responsabilidad Civil según artículo 15 de la Ley 9/1992. Socio único: Banco de Sabadell, S.A. Health Care We need sunshine. Without it we get S.A.D. (Seasonal Affective Disorder), depressed, dysfunctional - even suicidal. The sun helps our bodies produce Vitamin D, B3 and calcium. Holistically speaking the early morning sunlight has powerful energising properties which can boost the immune system. On the other hand the incidence of skin cancer has doubled over the last 10 years. The Ozone layer is showing ever more signs of wear and tear, increasing the dangers of ultraviolet radiation. By Dee McMath. Photography: J. D. Dallet. Safe Sun - Get Your Factors Right A glowing, sun-kissed skin is much admired, but we need to find the balance between the natural desire to sun-seek and the dangers of over-exposure. In any case, a dark tan on light skin is not only ageing and dangerous, it’s not even fashionable. “Honey beige’ is the new ‘brown’. For longer lasting sun colour and healthier looking skin, it’s important to exfoliate before you start applying layers of sun cream and exposing yourself (so to speak). Clinique’s Body Exfoliator costs around 20 €. This gentle body scrub, leaves you feeling fresh and tingling. Now moisturise with your favourite cream or oil. Nivea Soft with jojoba is cheap and effective, as is pure, simple almond oil. l 46 SolbankPrestigeClub SAVE FACE BY FAKING IT There’s good news on the false tanning front. This season’s products work faster than before and the dreaded orange tone of many brands has been improved, giving way to a more natural golden skin colour. The average time for the tan to appear is now just two to three hours. Colour tends to last around seven days and then fades naturally. Why not splash out and have a St. Tropez tan professionally applied in just 1 hour at a beauty salon for around 60 € (including exfoliation). Spain has many familiar brands in all skin-care sun products, including instant tanning creams: Clinique, Biotherm, Lancôme, Helena Rubenstein, Dior, Clarins, Juvena, Estée Lauder and Lancaster all have auto-bronzers (“autobronceadores”) from between 20 and 25 € for 125ml. Piz Buin does a cheaper self-tan foam at 15,50 € for 125ml, which begins to develop in 30 minutes. The more luxurious names, such as La Prairie, Sisley and Kanebo, are also available in Spain. Although you will pay up to four times more, these are top of the range beauty treatments. For example, Sisley has a sumptuous Botanical Facial Sun Cream, for around 100 €. SAFE SUN - FIND YOUR FACTOR Use the right Sun Protection Factor ‘SPF’ for your skin. The SPF number on sunscreen products indicates the length of time it protects you. For example SPF60 indicates protection for one hour, SPF30 half an hour, etc. (Some brands e.g. Estée Lauder, use a slightly different (American) SPF system. Read the labels carefully). Sunscreen acts as like a mirror reflecting light away from the skin. Your skin type will determine how long you can be in the sun before you burn and cause damage. NOTE: The sun does not discriminate between male and female, so the following information is equally important for you guys too! WATER, WATER EVERYWHERE SO DON’T FORGET TO DRINK! In hot weather it’s very important to drink more water than usual. Three litres a day is a good average. This will help to keep your skin hydrated, clear and youthful. Consider this part of your essential skin care plan in summer (as well as in winter). It’s simple, cheap, but often forgotten. Bottled water is best. AFTERSUN This year most brands have improved their aftersun products. Their creams are more absorbent and richer in hydration and cooling agents. For example the Lancôme ‘Cool Confort’, aftersun PF A GUIDE TO SKIN TYPES AND THE SPF RECOMMENDED: and ‘tan-extender’ instantly melts into the skin. It cools, hydrates and even adds a bit of extra colour - all for the price of around 25 € for 150 ml. Skin Type 1: Pale, freckled skin (blond or red hair, blue or green eyes). Celtic type. Burns easily. Goes red rather than brown. Your skin will burn within ten minutes of exposure. SPF 30 or higher essential Skin Type 2: Quite pale skin (dark blond to light brown hair, blue or hazel eyes). Germanic, Scandinavian and UK types. Can gradually go brown. Your skin will burn in less than 20 minutes. SPF 25 or higher. ALTERNATIVE AFTERSUN SKIN CALMER: A diluted solution of vinegar and water can bring some relief. Or beat the white of an egg with 1 teaspoon of caster oil. Smooth over the skin as a lotion. Or cover the skin with the mashed pulp of a cucumber. Cool and soothing on sunburnt skin. Skin Type 3: Fairly pale skin (light to dark brown hair, blue, green or brown eyes). Skin can burn but will go brown. Most common skin type to UK and Northern Europe. Skin will burn within 20 minutes. SPF factor 20 - 25. Skin Type 4: Olive skin with naturally high levels of protective melanin. (dark hair and eye colour) People of Mediterranean, Central European and Middle Eastern origins often have this skin type. SPF of 15 - 20 should be adequate here. Skin Type 5: Light brown skin (dark or black hair, brown eyes). Those of Asian or Far Eastern origin tend to have this skin type. SPF 6 - 15. Skin Type 6: Very dark (black hair and brown eyes). African, African-Caribbean, native Australians have this skin type. SPF 4 - 10. ***Children should always be protected against the sun’s Ultra Violet rays. Their skin has not developed its protective properties yet. Never let young children get sunburnt. I liken over-exposure to over-eating - just never a good idea and always causes discomfort. If you’re not used to the sun, build up the time you spend in it gradually and make sure you never burn. You’ll avoid pain and peeling and keep your sun-kissed look for far longer. True or false? 1. Applying two layers of sunscreen at once will protect you for twice as long. 2. Exposure to the midday summer sun will damage your skin. 3. Sunbeds are ‘safer’ than real sun. 4. Taking certain medications can affect your skin’s reaction to the sun. You must always check with your doctor. 1. FALSE • 2. TRUE • 3. FALSE • 4. TRUE l SolbankPrestigeClub 47 Letters David Searl I’m Glad You Asked David Searl is author of the books, You and the Law in Spain and The Spanish Property Guide. He writes a monthly column in Lookout Magazine on legal matters in Spain. In forthcoming issues David will be happy to answer questions related to Living in Spain. Please send any questions you may have to: Living In Spain Solbank Prestige Club Calle Molino, 5. 28690 Brunete (Madrid). Fax: +34 93 726 66 15. email: [email protected] Solbank Prestige Club Magazine cannot accept responsibility for any loss or damage suffered by readers. Can I transfer my offshore company apartment into my own name? I BOUGHT an apartment ten years ago in the name of my offshore company, registered in Gibraltar. Now I would like to transfer this company ownership into my own name as an individual so that I own the property in the normal way. Is this possible? I have been told that this transfer from the company to an individual must be treated as a “sale”, which means that I will have to pay all the normal Spanish taxes. This is a big expense, considering that really I remain the same owner of the apartment. Is there any other way to go about it? S.B. (Mijas) YES, there is another way to go about it, but let’s clear up one point first. You are really not the same owner of the apartment. At the moment, it is owned by a Gibraltar company. The name of the company appears in the Property Registry as the listed owner. After the transfer, your own name will be listed as the owner. It is true that you are the owner of the Gibraltar company, but nobody outside Gibraltar knows this. These offshore companies, particularly in Gibraltar, became a popular means for owning Spanish property during the 1980s precisely because they allowed the owners to keep their ownership confidential, as well as avoiding, quite legally, a number of Spanish taxes. In the event of a sale, no Spanish transfer taxes are charged because only the Gibraltar company has a new owner. The same company continues to own the Spanish property, so no transfer takes place in Spain. The same applies to Spanish inheritance tax. The inheritor takes posses- If we let our Spanish property, do we need a special insurance? WE OWN A TOWNHOUSE IN SPAIN and we let it out. Our letting agent has told us we must take out a public liability insurance in case there is an accident in the house and the tenants want to sue us for compensation. Do we need this insurance? J.D. (Dublin) IF YOU LET your property in Spain, your tenants are not covered by your normal homeowner’s insurance policy. You need to take out a policy that specifically insures rented properties. The normal homeowner’s comprehensive insurance covers damage to the home by fire or other cause, and will pay any claims against the owners by third parties. This means that a guest in your home who is injured by tripping on a loose tile will be covered. However, the normal policy does not cover people who work for you, such as the cleaning woman or a plumber. Neither does it cover claims from tenants who are paying you rent. If you let your property, and a roof beam falls on your tenant, the normal policy will not pay. So, your agent is right when he says that you need the policy covering tenants. The policy is almost exactly the same as the normal policy, but its premiums are five to ten per cent higher. You and your tenant should be advised that the policy does not cover the tenant’s furniture and belongings. If they have their own furniture in the place, they themselves should take out a separate policy covering the contents of the house. l 48 SolbankPrestigeClub sion of the Gibraltar company, which continues to own the Spanish property. The Spanish authorities have placed a yearly tax of three per cent on the assessed value, the valor catastral, of all “tax haven” properties. We suppose that you are tired of paying this tax and wish to own the property in your own name. Such a transfer attracts the normal Spanish taxes of about 10 per cent of the price declared on the sale contract because the property changes owners. The other way to go about it is to wind up your company in Gibraltar and distribute its assets - the house - among the company shareholders - yourself. This distribution of assets attracts a tax of only one per cent, plus other charges and fees in Gibraltar and in Spain that bring the total expense to three or four per cent. You need a lawyer or accountant experienced in handling these matters to advise you. irage?" m A ! n e g o n hydr o n u r t a h t ASF" B y "Cars f t o li a y e g r lo a o g techn "No. It’s in k a e r b d oun with the gr BASF plays an active role in the development of cars powered by fuel cells. The NECAR 5 prototype by DaimlerChrysler incorporates a new BASF catalytic converter which guarantees the supply of energy. The BASF catalytic converter transforms methanol, liquid fuel, into hydrogen for the fuel cells in a simple, safe and environmentally-friendly manner. In this way, BASF is committed to finding innovative solutions for providing alternatives which permit the long-term mobility and supply of energy. Further information on: www.basf.es/innovacion Companies in the BASF Group in Spain: BASF Española S.A. - BASF Coatings S.A. - BASF IT Services S.A. BASF Curtex S.A. - Elastogran S.A. - BASF Sistemas de Impresión S.A. Norteña de Distribución S.L. BASF Española S.A. Ctra. N-340, km. 1.156 43006 Tarragona www.basf.es Ground-breaking solutions. A responsible approach. Chemical, Plastic and Fibre Products, Finishes, Products for Food and Agriculture, Petroleum and Gas. Solbank is a registered trademark of Banco de Sabadell, S.A. M-297604 Alicante CORONATTI Andorra MERCAT DE L’OR Barcelona J. ROCA Bilbao PERODRI Elche JAVALOYES Marbella GÓMEZ Y MOLINA Madrid PERODRI BROOKING HEROCAT, S.L. Teléfono: 93 272 05 41 • Fax: 93 272 05 42 e-mail: [email protected] • www.hysek.com Oviedo NICOL’S Reus SOLANES Santander PRESMANES Zaragoza GINES