I'd stick with MSV if I were you. MSV were the first club I followed in Germany, so I'm hoping they'll make it back to the Bundesliga. As for Schalke, I agree with your Bremen friend's assessment above. They're living above their means, alienating themselves from their traditional fans and their transfer market activities have mirrored those of the so hated FC Bayern. I'd not be the least surprised or sad to see them go down a similar road to bankrupcy as Dortmund nearly did. And I hope Stuttgart gets the title....