Prioritise your Emergency fund .Every pound saved brings you closer to your financial goals..very helpful. Thank you for the links as well
@pathwayuk18 сағат бұрын
Glad it was helpful!
@pathwayukКүн бұрын
What strategies or tips have worked best for you in building an emergency fund? I'd love to hear your experiences and insights-share your thoughts in the comments below!
@Beraka092 күн бұрын
Hello, I learnt new build attracts higher council band, what’s your current band please and how much does both of you pay for council tax. Hope to read from you soon. Thanks
@pathwayuk2 күн бұрын
Yes, it's generally true that new builds in the UK tend to attract higher council tax bands. The reason is that council tax bands are determined based on the property's estimated value as of April 1, 1991, in England and Scotland (April 1, 2003, in Wales). Since new builds are modern, they are often valued higher than older properties of a similar size and type, leading to a higher council tax band. Our council tax band is D, and we pay £222 monthly.
@Beraka092 күн бұрын
Thanks so much for the explanation and information. God bless you always. Looking forward to more videos from you.
@pathwayuk2 күн бұрын
@@Beraka09 No worries.
@pathwayuk2 күн бұрын
Which life skills, mentioned or not mentioned in the video, do you think are the most crucial for thriving in the UK as a new immigrant?
@Positivevibesyankeytv3 күн бұрын
VERY INFORMATIVE VIDEO.... JUST SUBSCRIBED TO YOUR CHANNEL.... KEEP IT UP 👍
@pathwayuk3 күн бұрын
Thank you.
@NafisasPearlz3 күн бұрын
Thank you for this informative video. Will you recommend have ALL the money you will need ready before applying for the mortgage when buying a new build from St Modwen?
@pathwayuk3 күн бұрын
Yes, it’s highly recommended to have all the money needed for the deposit, hidden costs, and any other associated expenses ready before applying for a mortgage and purchasing a new build from St Modwen (or any other developer). However, if you have a heavy flow of liquid cash, you can have only your deposit saved and wing the hidden costs, or you can get it from negotiating. Here's why: 1. Mortgage Application Requirements Deposit: Most mortgage lenders require a certain percentage of the property's value as a deposit. Having this amount ready before applying for the mortgage is crucial, as it will be a key factor in determining your eligibility and the terms of the mortgage. Proof of Funds: Lenders typically require proof that you have the necessary funds available for the deposit and other costs. If you don’t have these funds ready, your mortgage application might be delayed or even denied. 2. Hidden and Additional Costs Stamp Duty: Depending on the property value and your location, you may need to pay stamp duty or a similar property tax. This can be a significant amount that needs to be accounted for. You will not need to pay for stamp duty if you are a first-time buyer and the property's value is under £425,000. Legal Fees: You'll need to pay for conveyancing, which involves a solicitor or conveyancer handling the legal aspects of the purchase. Depending on how strong your negotiation skills are, you could negotiate for your solicitor's fee to be paid by the developer. The only covet is that you might have to use a solicitor recommended by the developer. Mortgage Fees: Some mortgages have arrangement fees, valuation fees, or other associated costs. To avoid this cost, you can choose a mortgage without a fee. Surveys and Inspections: Even for a new build, you may want to conduct independent inspections or surveys to ensure everything is in order. You can wing this cost if you have family and friends who are surveyors and are willing to help you do this for free or at a discounted price. Moving Costs: Consider moving costs, including removal services, storage, and any necessary renovations or furnishings. Again, you can wing this cost if you have family and friends willing to help you move. 3. Financial Cushion Even in a new build, unexpected costs can arise, such as issues discovered after moving in or additional features you may want to add. Having a financial cushion ensures you’re not caught off guard. Likewise, knowing you have all the funds necessary helps you budget effectively and reduces stress during the buying process. 4. Avoiding Delays Having all the necessary funds ready helps ensure a smoother, quicker process from application to completion. Delays in securing funds can lead to missed deadlines, which might jeopardize your purchase, especially if you’re working within the timelines of a new build. 5. Stronger Buyer Position (Negotiation Power) If you can demonstrate that you have the funds ready, especially your deposit, you may be in a stronger position to negotiate with the developer or secure the property without issues. In conclusion, it’s best to be fully prepared financially before starting the process of buying a house. This preparation ensures you can handle all costs associated with the purchase and reduces the risk of financial stress or complications during the buying process.
@NafisasPearlz2 күн бұрын
@@pathwayukThank you so much for taking the time to give such a detailed answer. I have been searching for this answer for a few months now. Your videos have been very helpful. Wishing you all the best with the growth of your channel as you deserve
@pathwayuk2 күн бұрын
@NafisasPearlz My pleasure. I wish you all the best with your house purchase. ❤️
@inyenenkereuwem84163 күн бұрын
Thank you very much for your videos especially on managing finances. What type of account would you recommend we save emergency funds in seeing its a bulk of cash but also you might have need of unexpectedly?
@pathwayuk2 күн бұрын
A high-yield savings account or a money market account would likely be the best choices. They provide a good balance of interest, security, and accessibility, which are key for an emergency fund.
@inyenenkereuwem84162 күн бұрын
@pathwayuk thank you for your prompt response. I am new to investments so I'd obviously have to do personal research on all these terms/accounts and what they do. Any Useful links for investment newbies 🙈 like me would be helpful😊. Thank you!
@pathwayukКүн бұрын
@@inyenenkereuwem8416 That's fine. I can relate. I was in your position three years ago. I have a video on Investing in the UK for Beginners & How I Invest My Money. In the video, I discussed my investment strategies and shared valuable insights designed specifically for beginners. Whether you're looking to invest in stocks, bonds, or other assets, the video will equip you with essential knowledge and practical advice to help you make informed decisions. Here is the link to the video: kzfaq.info/get/bejne/fs98fNuGr7qlZ2w.html As always, if you have any questions or need further clarification on something I said while watching the video, leave a comment, and I will do my best to reply.
@henryeze27984 күн бұрын
❤ love this so many helpful informations
@pathwayuk4 күн бұрын
Glad it was helpful!
@TolulopeOluwadare-kz2gy4 күн бұрын
Prescription is free in Scotland
@pathwayuk4 күн бұрын
Thanks for pointing this out. Prescriptions are not free in England, where I live; most people here pay for them.
@pathwayuk5 күн бұрын
What money habits have you identified from the video that you think might be keeping you from reaching your financial goals? And how do you plan to address or change these habits? 😌
@tlmcoolbreeze15955 күн бұрын
Good evening from the Philippines originally from the us .Can you break that down on how much monthly that would be in us currency to live comfortably
@pathwayuk4 күн бұрын
Good evening! To give you a rough estimate of the cost of living in the UK, I’ll break down common expenses and then convert them to USD. Prices can vary depending on the city, lifestyle, and other factors, but this should give you a general idea. 1. Housing (Rent) London: $2,500 - $4,500 (for a 1-2 bedroom apartment in the city centre) Other cities (e.g., Manchester, Birmingham): $1,200 - $2,500 2. Utilities (Electricity, Water, Gas, Internet, etc.): $200 - $300 per month 3. Groceries: $300 - $600 per month 4. Transportation Public Transport (monthly pass): $100 - $250 (depending on the city and distance travelled) Car (fuel, insurance, maintenance): $300 - $500 5. Dining Out Occasional restaurant meals (mid-range): $200 - $400 6. Entertainment and Miscellaneous; $200 - $400 7. Healthcare: NHS is free at the point of service, but private insurance can cost $100 - $200 monthly, depending on coverage. 8. Miscellaneous Expenses (clothing, personal care, etc.); $100 - $200 Total Monthly Cost: London: $3,600 - $6,400 Other Cities: $2,200 - $4,750 Additional Notes: Exchange Rate: GBP 1 = USD 1.25 (as of recent data). This may fluctuate. Comfortable Living: These costs assume a moderate lifestyle, not extravagant but with some room for leisure and savings. London vs. Other Cities: London is significantly more expensive, especially regarding rent. This breakdown should help you plan your budget if you're considering living in the UK. Costs can vary, so keeping an eye on exchange rates and adjusting your budget accordingly is a good idea.
@tlmcoolbreeze15954 күн бұрын
@@pathwayuk Ty so much 😊
@pathwayuk4 күн бұрын
@@tlmcoolbreeze1595 My pleasure.
@ajitegladys15306 күн бұрын
Will I be asked for my accommodation contract at the port of entry? Even though I’ll be putting up with a friend?
@pathwayuk6 күн бұрын
When you arrive at the UK port of entry, it's possible, but not guaranteed, that the immigration officer might ask about your accommodation arrangements. They typically ask questions to ensure that your plans in the UK are clear and that you have a legitimate place to stay. If you're staying with a friend, you won't have a formal accommodation contract like you would if you were renting a place. However, having a letter from your friend confirming that you’ll be staying with them is a good idea. The letter should include: 1. Your friend's full name and address. 2. A statement confirming that you are welcome to stay with them during your time in the UK. 3. The duration of your stay. 4. Contact details in case the immigration officer needs to verify this information. Additionally, if asked, your friend should be able to provide proof of their address, such as a recent utility bill or rental agreement. While it's not common for immigration officers to demand this documentation, being prepared can help avoid any potential issues. They are more likely to focus on your visa, financial stability, and the purpose of your visit, but showing that you have a place to stay can be reassuring for them.
@ajitegladys15306 күн бұрын
@@pathwayuk thank you very much for this
@pathwayuk6 күн бұрын
@@ajitegladys1530 You are most welcome.
@basseyekpe29596 күн бұрын
Thank you for this rich contents. My question is as follows: 1. Can one put up with a friend without booking an ab&p? Will the UKVI query this action in any way? 2. Is it possible to study inside london but reside outside london with 2hrs.80mins per day trip? Is the rail card accessible to those above 40? Grateful.
@pathwayuk6 күн бұрын
You're welcome! Here are the answers to your questions: 1. Staying with a Friend in the UK Without Booking an Airbnb Yes, you can stay with a friend in the UK without booking an Airbnb or similar accommodation. However, if you're applying for a visa (such as a student visa), you may need to provide proof of your accommodation arrangements to UK Visas and Immigration (UKVI). Staying with a friend is generally acceptable, but you might need to provide a letter from your friend confirming that you have permission to stay with them, along with proof of their address (such as a utility bill). The UKVI typically won't have an issue with this as long as you provide clear and honest information about your accommodation plans. However, they might query the arrangement if they believe it’s unclear or if it doesn’t seem to align with the length of your stay. 2. Studying in London and Commuting from Outside Yes, it is possible to study in London and commute from a location outside London, even if the commute is around 2 hours and 80 minutes (which is 3 hours and 20 minutes) per day. Many people commute to London from surrounding areas for work or study. However, it’s essential to consider the impact of such a long commute on your daily routine and studies. You will also need to factor in the cost of transportation and how it fits with your schedule. 3. Railcard Accessibility for Those Above 40 The primary railcards in the UK (such as the 16-25 Railcard or the 26-30 Railcard) have age restrictions. However, there are railcards available for people over 40: Senior Railcard: Available to anyone aged 60 or over. Two Together Railcard: Allows two named people, regardless of age, to travel together at a discount, but they must travel together on every journey. Network Railcard: Available to anyone over 16, offering discounts on travel in the South East of England. If you are over 40 but not yet 60, the Two Together Railcard or the Network Railcard could be suitable options. Let me know if you need further clarification on any of these points!
@basseyekpe29596 күн бұрын
@@pathwayuk For a two year course, please how much exactly am I expected to pay for IHS (actual fee will suffice)? Some agent say 2years, while others say 2years 6months. I am confused and need help.🙏
@pathwayuk6 күн бұрын
@@basseyekpe2959 The Immigration Health Surcharge (IHS) is calculated based on the length of your visa, not just the length of your course. For a two-year course in the UK, the visa is often issued for slightly longer than the course duration, which can include additional months before and after your course. For a two-year course with an Immigration Health Surcharge (IHS) fee of £776 per year, here's the calculation: Typical Visa Duration for a Two-Year Course Course duration: 2 years. Visa duration: Usually 2 years plus an additional 4 to 6 months (to cover time before the course starts and after it ends). IHS Calculation For 2 years of course duration: £776 × 2 = £1,552. For the additional 4 to 6 months (which typically extends the visa duration): If the extra period is 6 months or less: Add £388 (half-year charge). If the extra period is more than 6 months: Add £776 (full-year charge). Total IHS Fee If the visa duration is 2 years and up to 6 months: £1,552 (for 2 years) + £388 (for the additional 4 to 6 months) = £1,940. If the visa duration is 2 years and more than 6 months: £1,552 (for 2 years) + £776 (for the additional period exceeding 6 months) = £2,328. Summary: £1,940 if your visa is for 2 years and up to 6 months. £2,328 if your visa is for 2 years and more than 6 months. The exact fee depends on the total visa duration, so check the exact duration stated on your CAS or visa application to determine the correct IHS payment.
@pathwayuk7 күн бұрын
What investment strategies or vehicles have you found particularly effective for your financial growth journey?
@hassu21497 күн бұрын
I heard Santander rail card is only for UK PRs or citizens
@pathwayuk7 күн бұрын
It's for those who are 18+ and live in the UK permanently. Starting, or have started, an undergraduate course or a level 4-7 apprenticeship that’s at least two years long. Plan to pay at least £500 into your account every four months.
@pathwayuk8 күн бұрын
I would like to hear your thoughts on how you manage black tax. Please comment below telling me what strategies you have successfully used to handle this cultural expectation while securing your financial future. Kindly share your experiences with me!
@oluropooke45489 күн бұрын
Well done
@pathwayuk9 күн бұрын
Thank you, ma.
@pathwayuk9 күн бұрын
Join me and over 40 million users who love Revolut. Sign up with my link below: revolut.com/referral/?referral-code=yewandhmxf!AUG1-24-AR-H1
@pathwayuk10 күн бұрын
Which of these bank accounts will you be opening? 5:57 Join me and over 40 million users who love Revolut. Sign up with my link below: revolut.com/referral/?referral-code=yewandhmxf!AUG1-24-AR-H1
@ezigbo0411 күн бұрын
I am my husband dependent on his skilled worker visa but I was the one who got the email. My husband being the main applicant did not get but according to him, that his work place sent them the link to apply on from their work place group chat. Then for my son who is yet to get, I hope going online to do the needful won't be a bad idea right?
@pathwayuk11 күн бұрын
Interesting. For your son, it should be fine to go www.gov.uk/get-access-evisa and complete the application process, as long as you're following the correct procedures.
@osuekeprimax474511 күн бұрын
Omo u would really be conservative with money 😂😂
@pathwayuk11 күн бұрын
I like to think of it as being financially responsible. It's all about balance!
@NinoRostiashvili-e5w11 күн бұрын
Thanks for the video. If you are government sponsored student, except the sponsorship letter do you need to upload the bank statement that shows this amount of money that you take from the government?
@pathwayuk11 күн бұрын
If you are a government-sponsored student applying for a UK student visa, you generally do not need to provide a bank statement to show proof of funds, provided you have a valid sponsorship letter from your government or an international scholarship agency. The sponsorship letter itself should meet the financial requirements for your visa application. Here’s what you need to ensure about your sponsorship letter: 1. Letter Details: The letter must confirm the sponsorship, including the amount of money being provided and the duration of the sponsorship. 2. Official Letterhead: It should be on official letterhead and include the sponsor’s name and contact details. 3. Specific Information: It should clearly state that the sponsorship is for covering your course fees, living costs, or both. If your sponsorship covers all your financial requirements as specified by UKVI (UK Visas and Immigration), then you typically do not need to upload a bank statement showing the funds. However, if your sponsorship does not cover the full amount required (for example, if it only covers tuition but not living expenses), you might need to provide additional evidence, such as personal bank statements, to demonstrate that you have the required funds. It's essential to check the latest guidance on the UK government’s official visa website or consult with your visa advisor to ensure you meet all the requirements. I hope my reply helps and I wish you the very best.
@NinoRostiashvili-e5w11 күн бұрын
@@pathwayuk thanks a lot 🫶
@pathwayuk11 күн бұрын
@@NinoRostiashvili-e5w My pleasure.
@pathwayuk11 күн бұрын
Hey guys, if you don’t see your comments on this video, it’s because I had to delete and reupload the video. Please like and comment to help the video do well. Thank you ❤
@pathwayuk12 күн бұрын
If you are a foreign national living, working or studying in the UK with a BRP card, have you done your eVisa?
@apple_chhetri12 күн бұрын
Beautiful home , congratulations ❤ please would you be able to tell me which area is this ? We are also looking to buy house. Thank you
@pathwayuk12 күн бұрын
Thank you. Midlands.
@tu616612 күн бұрын
Hello 👋 new subscriber here 🫶 Very informative and helpful information, thank you 😊
@pathwayuk12 күн бұрын
Glad it was helpful!
@kelvinchudi220014 күн бұрын
❤ thanks for this video. God bless you 🙏
@pathwayuk14 күн бұрын
Thanks for watching!
@kelvinchudi220014 күн бұрын
The WhatsApp work from home reached out to my wife recently, when she told me I immediately knew this was a scam. Especially when they started mentioning online wallets.
please how can this proof of funds be paid ,for example if my proof of funds is 37million ,how can the money be paid in ? once or bit by bit
@pathwayuk16 күн бұрын
When providing proof of funds for a UK student visa, it's crucial to ensure that the money has been in your or your sponsor's bank account for at least 28 consecutive days before the visa application. The way the funds are deposited into the account can impact how they are viewed by UK Visas and Immigration (UKVI). Here's what to consider: Payment of Funds into the Account 1. Lump Sum Deposit If you deposit the entire amount (e.g., ₦37 million) in one lump sum, the funds must remain in the account for at least 28 consecutive days before you apply for the visa. UKVI may scrutinise large lump-sum deposits, so you may need to provide an explanation or evidence of the source of funds (e.g., sale of property, business income, etc.). 2. Gradual Deposits (Bit by Bit) If the money is deposited bit by bit, the account's total balance must be at or above the required amount throughout the 28-day period. Each deposit should be traceable and explainable. UKVI might request evidence of the source of funds, especially if the deposits are large or irregular. Key Considerations Source of Funds: Regardless of whether the funds are deposited as a lump sum or gradually, be prepared to explain and provide evidence of where the money came from. UKVI may ask for this to ensure that the funds are legitimate. Bank Account in Good Standing: Ensure the bank account used for proof of funds is in good standing, the bank statements are clear, and the necessary funds are shown without any conditions or restrictions. Bank Statement: When submitting the bank statement, make sure it covers the entire 28-day period and shows the required balance without dropping below the minimum amount at any point during this period. Final Tip To avoid complications or additional scrutiny, it might be simpler to continuously maintain the required amount in the account rather than make multiple deposits. If you're unsure, it's advisable to consult with an immigration advisor or a legal expert specialising in UK visas to ensure compliance with UKVI requirements.
@EmekaDyke16 күн бұрын
@@pathwayuk thank you
@pathwayuk16 күн бұрын
@@EmekaDyke No worries.
@EmekaDyke16 күн бұрын
@@pathwayuk but when applying as a student is it a must to summit a police report ? because not everyone talks about it
@pathwayuk16 күн бұрын
@@EmekaDyke It depends on your circumstances. Some applications for the UK student visa do, while some don't.
@Paul-hl8yg18 күн бұрын
Its about the controlled illegal immigration into the UK of mainly islamic young men. Economic illegal immigrants that have zero respect for non islamics or our way of life! 🇬🇧
@franklegarda651018 күн бұрын
When the media and the government want to denounce a group of people they call them the far right we see this happening in America
@newmandwomoh348718 күн бұрын
Please what about my parents can't sponsor but uncle is acting as legal guardian to sponsor me what documents do i need to back his statements
@newmandwomoh348718 күн бұрын
Thank you very much i appreciate how you clarify things for us
@pathwayuk18 күн бұрын
No worries.
@newmandwomoh348718 күн бұрын
If my uncle has sponsoring my education from primary to university how do I proof he is my legal guardian and he is sponsoring me
@newmandwomoh348719 күн бұрын
My father is dead and my step father has been taking care if me from Basic School till I completed University I'm applying for my visa application and he is sponsoring me what documents do I need to show he is my legal guardian
@pathwayuk18 күн бұрын
To prove that your stepfather is your legal guardian and that he is financially sponsoring you for your UK student visa application, here’s a list of the critical documents that may be required: 1. Proof of Relationship Legal Guardianship Document: If your stepfather is your legal guardian, you should provide any court orders, legal documents, or formal agreements, such as a notarised guardianship letter, establishing this guardianship. Marriage Certificate: A marriage certificate showing your mother and stepfather's marriage can help establish the relationship. Affidavit of Guardianship: A notarised affidavit in which your stepfather declares his responsibility for you and your mother’s agreement could be helpful. Your Birth Certificate: Your birth certificate with your biological father's details, along with documents showing the relationship between your mother and stepfather. 2. Financial Documents Bank Statements: Your stepfather’s bank statements from the last 28 days (or as required by UKVI) showing that he has sufficient funds to cover your tuition fees and living expenses. Proof of Income: Recent payslips, tax returns, or a letter from his employer showing his income and financial stability, which is crucial for your financial sponsorship. Sponsorship Letter: A formal letter from your stepfather stating that he is sponsoring your education in the UK and will cover all associated costs, providing you with the necessary financial support. 3. Proof of Identity and Status Your Step-Father’s Passport or ID: A copy of your stepfather’s passport or national ID to establish his identity. Your Passport: Providing a copy of your passport for identity verification is a crucial step in the visa application process. 4. Cover Letter Explanation Letter: A cover letter from you or your stepfather explaining the family situation, the relationship, and why he is sponsoring your education. 5. Proof of Your Father's Death Death Certificate: A copy of your biological father’s death certificate, if available, to further clarify the family situation. 6. Supporting Documents for the Visa Application CAS (Confirmation of Acceptance for Studies): Your UK educational institution provided the document. Proof of English Proficiency: If required, such as IELTS or TOEFL scores. Academic Documents: Certificates, transcripts, and other academic records. Ensure that all documents are translated into English if they are not already certified by an appropriate authority. It’s also a good idea to consult with an immigration advisor or solicitor to ensure your application is as strong as possible. I hope this helps.🩷
@kevindarke764619 күн бұрын
The Southport attack was certainly a catalyst for these riots, but it was not the sole cause. Even after the truth about the attackers' identities was revealed, unrest continued. The root cause lies in the cost of living crisis, which has heightened public anger over perceived injustices, including the unequal treatment of different groups within society. Additionally, the failure of the democratic process to effectively manage both legal and illegal migration, coupled with inadequate investment in infrastructure, has significantly contributed to the unrest.
@pathwayuk19 күн бұрын
I agree with your point of view. I spoke about most of what you mentioned in the video at 04:00 when I discussed the underlying issues behind the UK riots.
@MichaelGeorge8519 күн бұрын
THE PRIME MINISTER IS THE PROBLEM! KEIR STARMER WAS PUT INTO POWER TO DESTROY THE UK, MASS IMIGRATION IS DELIBERATE TO WEAKEN SOCIETY AND DESTROY THE COUNTRY, THE RIOTS ARE BECAUSE BRITISH PEOPLE HAVE HAD ENOUGH OF WATCHING THEIR COUNTRY FALL APART AND DECIDED TO TAKE ACTIONS, PEOPLE HAVE STARTED TO WAKE UP TO WHAT IS HAPPENG TO THE UK AND AROUND THE WORLD, ITS ALL PART OF A BIGGER PLAN!
@robertgaston647919 күн бұрын
The British natives are getting tired of their government screwing them. By not listening to them.
@pathwayuk19 күн бұрын
Absolutely
@amykitia19 күн бұрын
Thank you very much for the information. Is it true that there are also large grups of muslims on the streets of some cities and that some of them hold knifes??? That sounds very scary as well!!! Please be safe!! ❤❤❤ God bless you!!!
@pathwayuk19 күн бұрын
The reports you mention about large groups of Muslims on the streets in some UK cities holding knives during the riots are likely based on misinformation or exaggeration. While there have been isolated incidents of unrest in the UK, it's essential to differentiate between actual events and rumours or misinterpretations. Misleading information about the stabbing at Southport is what got the UK to this point in the first place.
@truthbusteryeah516618 күн бұрын
Yes it is true, but it is being under-reported to only show 1 section of society as the only ones causing trouble.
@Paul-hl8yg18 күн бұрын
@@pathwayuk Misinformation? What? Millions of us have SEEN them carrying machetes/weapons on our streets in their hundreds. By the way, the FIRST riot was made by islamics rioting because some kids were being taken away by social services. Get your facts right before blaming others! 🇬🇧
@amykitia18 күн бұрын
Thank you for the answers. I'm also seeing that it's true. Please don't fool me. Why do some people can't see all the reality if something goes against their beliefs?? Come on!!! I want objective information!!! Not all Muslims are good or bad. Not all people against illegal immigration are good or bad. Misleading information = That can't be true because it isn't aligned with my ideology. Please, @pathwayuk, just open your eyes. I'm not asking you to change your political preferences. Critical thinking must be applied all the time, not only to the information that goes against your beliefs. I try to hear different sources to get a better picture of what is happening.
@abimbolaomiwale481819 күн бұрын
@pathwayuk please i want to ask this, my spouse is my sponsor and we are applying for the study visa together because we plan to travel together (i am the student), can i use my spouse's statement of account for proof of fund since he is my sponsor or the fund must be in my account?
@pathwayuk19 күн бұрын
Yes, you can use your spouse's bank statement as proof of funds for your UK student visa application since your spouse is your financial sponsor. However, there are specific requirements and documentation you'll need to provide to ensure your application is successful: 1. Sponsor's Relationship Proof: You must demonstrate your relationship with your spouse by providing a marriage certificate or other evidence of your relationship. 2. Sponsor's Financial Support: A signed letter from your spouse is a crucial part of your application. This letter should explicitly state that they are willing and able to financially support you during your studies in the UK, covering your tuition fees and living expenses. 3. Bank Statements: The bank statements provided must cover at least 28 consecutive days, and the statement's end date must be within 31 days before your visa application date. The funds shown in the bank statements must be accessible and free from any conditions. 4. Sufficient Funds: It's crucial that the funds in your spouse's account meet the minimum required amount to cover your tuition fees and living expenses, as per the UKVI requirements. This is a key requirement for your visa application. 5. Additional Documents: Depending on the specific requirements, you might also need to provide proof of your spouse's income or other financial documents to substantiate further their ability to support you financially. It's essential to follow the UKVI guidelines closely and ensure all the documentation is complete and accurate to avoid delays or issues with your visa application.
@abimbolaomiwale481819 күн бұрын
@@pathwayuk thanks do much for your response...this is helpful
@pathwayuk19 күн бұрын
@@abimbolaomiwale4818 No worries. Glad I could help.
@pathwayuk19 күн бұрын
Hello people! I just realised that the video has some background noise. This noise is from the road work in front of my house. So please bear with me. ❤ One of the perks of buying a new build is that you will live on a construction site for a while. 😅
@ajitegladys153020 күн бұрын
Thank you ❤❤❤❤
@pathwayuk20 күн бұрын
Anytime.
@zinoigbi20 күн бұрын
Thanks for this video ❤👍
@pathwayuk20 күн бұрын
My pleasure.
@neloejiofor20 күн бұрын
Thanks for the information
@pathwayuk20 күн бұрын
You are welcome.
@olubusayoakinade657520 күн бұрын
which lending society did you use
@pathwayuk20 күн бұрын
Hastings Direct we found them through www.moneysupermarket.com
@ladipotitilayo20 күн бұрын
Congratulations on your new home 🎉🎉
@pathwayuk20 күн бұрын
Thank you.
@kikitaughtme20 күн бұрын
Also with capital gains tax if your next of kin inherits your investment whatever the value of your investment at the time of inheritance is treated as new capital. Based on your example, if you invest £1,000 and make £10,000 and your child inherits this investment, it is treated as if £11,000 is the capital and they won't be taxed on the £10,000. If later on the investment grows to say £15,000 they will only be taxed on £4,000 because they inherited the investment at £11,000.