Hi Show Pony, it is too late now to go to Germany, as my fiancee just wanted to visit me in Germany and had even a Study place in the Philippines, and the Embassy even called them, if this is true, they denied nevertheless and the cruel cold-hearted racist Boss of the Visa-Department told me in my face behind bullet-proof-glass: "Oh, yes the study of your girl-friend was confirmed but you can pay the Semester fees for her from your petty-cash (pocket-wallet) the study can be a fake and is no insurance, that she, your filipina will come back and you cant force her to enter the airplane back to Manila." So Show Pony after all those awful experiences with those inhuman idiots at German Embassy, my wife and me are fed up to go to Germany any more. We have a wonderful lot and mansion near the seaside and our 8 dogs guard and love us sooooooo much. So no need to go abroad. The only problem, I would like to have an European bank-account for my wife for the case, that I will die and she should receive her monthly widow-pension in a cheap way. This was the reason, why I opened this thread.