Meaning no offense to any of the posters here, but these mostly feel like classic Ask Metafilter DTMF replies.

I hope OP finds a solution, but we are just internet people making guesses about a big life decision without enough context.

Off topic, bur why is OP banned?

I wasn’t going to get into how we form possessives; it will confuse and scare them.

GHOW-da is about the closest English approximation. The G sound is quite different in Dutch though.

S&P and Moody’s were collaborating since at least 2000 on the pricing of the so-called “esoteric” structured instruments associated with mortgaged-backed securities that caused the 4Q07 crash. They collaborated via the competitive intelligence firm Washington Information Group (which does not seem to be around anymore.) The collaboration was almost certainly illegal (IANAL). They did this because neither wanted a price war when rating these. I did sign an NDA with S&P that kept me out of the industry for two years. I left the industry shortly after that and went back to what I used to do.