bellaluna and scylla, thank you for your help and guidance.
since reading your posts last night, i researched it all.
looks like we are unlucky (to say the least), as one of the requirement for education would be to have study in a university. this is not my case (not common in switzerland). Though i had a very good education, I obtained a full diploma following an apprenticeship in a banking institution. that was three years of full time education in banking, but not in an university... am i right to consider our chances over? everything else was fine, though my "old" age of 45 wouldn't give me many points, but i would score highest in languages.
if i am right, i dont see the point to start the whole process as i will be denied.
It is a shame, but this is life.
I saw once something about a self sufficient visa for quebec. Do you know something about it? cannot find this info again.
Now, what do you think of coming and going on a visitor visa, while renting a house in either ontario or quebec? would you advise against? i am not intersted to do anything against the law. just want to live peacefully, in charge of my own expenses, and not have a heart attack at the immigration desk every time we travel. many thanks to you two, and to all willing to pitch in and help me