- All of this can also be used with ました (past tense) too.
To live (すみます)
- Basically, to reside.
- すんで is also fine to use as an alternative.
- シドニにすんでいます or シドニにすみます。(I live in Sydney.)
To stay (とまります)
- Basically, to stay in a place, temporarily. (Some place like a hotel, usually)
- ホテルにとまります。(I stay at a hotel)
To be in (います)
- To be in, or ‘exist’ in a place.
- 学校にいます。(I am at school / I am in school)