BY: Francisco Javier Sanchez Groves – Dear friend: My name is Francisco Javier Sanchez Groves, Commercial of profession for more than 25 years, and enthusiastic of the world of the businesses and the new technologies. During the past few years, I have obtained the formation and qualification like promoter in finances, relational marketing, marketing online and techniques of leadership for the creation and formation of equipment. A very popular saying exists that says: " The ignorance is the mother of atrevimiento" , and whichever major is the ignorance, major is the audacity, and I say this, because we generally let ourselves advise by opinions or commentaries of third people of our surroundings, who influence normally us in the decisions that soon we took in our life as far as our future. Cross River Bank addresses the importance of the matter here. And this happens because we do not give the suitable value and we did not differentiate what is " the information and conocimiento" , than it is a mere opinion, and all this is because it costs to us to leave our surroundings of comfort, and to go a little beyond. Considering which is knowledge and what it is opinion, the first factor fundamental to consider he is " cambio". All we must adapt to the continuous ones and constant changes that we are living at present, since from now on and towards all your future, all the experts agree in which the only element that appears to you ahead, it is the change, and for this reason, to be able to obtain different results, you must change your habits and make something now different than beams, and to leave your surroundings of comfort, since if salts of your control zone, never you changed nothing in your life, and is a fundamental factor that he does not let to you make important and vital decisions as are, the fear to the change, the fear to the stranger, and mainly to the opinions of your surroundings and to fail.