Thanks Fred Garvin, it's hard to think about all these little things, so I appreciate the heads up. As far as car insurance, goes is this something that's real expensive or is it a fair price. Also, other monthly things like tv, cell, calling home to US-what's the going rate for these things and what do you suggest for calling home? Also I know banking will be different, are there any good banks that one can transfer money home without paying an arm and a leg for? Thanks again for all the info guys.