I did read the new guide and very helpful it is thanks. I have also red many posts from other visa applicants to get a feel of the ups and downs of applying. This site is very much like the one for the US. I am just retired from working and fortunately my retirement income is more than the 18,600 threshold. I guess I am one of the lucky ones. How the govt can set a minimum income requirement of 18,600 is beyond reason (other than election promise), when more than 40% of families in Britain make less than that. The visa fee is outrageous too "GULP"!! Just have to ante up, no choice.