Grash?
If you are already settled here, you might want to consider some additional feedback, from a Finnish friend of ours that moved there.
- credit history: they had a good credit history here, but the bank would not even give them a credit card, so it was paying with cash all the while. A few months later, they switched banks, and then got something like a debit card, i.e. a credit card, with a security deposit, and the limit was the security deposit. Had to buy a run-down car at a very low price.
- mortgage: are impossible to get for a few years, despite the fact that they had about 65% cash down.
- schooling: public / government funded schools seemingly not up-to-standard, private schools expensive.
- sometime about a tie-up between the medical clinics and the pharmacy, I did not understand it, but seemed to suggest that you have to go to the pharmacy suggested by the clinic, not sure.
Cheers.