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6 steps of financial planning

Many investors don’t have a clear understanding of their current financial situation. It comprises of six steps in financial planning process your will likely help one in assessing and planning your current as well as future financial needs plus developing a better financial plan to match their specific goals. Now for the more interesting part, establishing your expectations. So to help you get your financial plan right we asked Robin Booth of Brixx.com to outline the 6 steps you need to take to develop a coherent, holistic financial plan of your business. As you go ahead and actually execute your financial plan, you should re-examine your plan at regular intervals as a checkpoint towards accomplish your life goals. Oberoi said that there are six steps to financial planning. In fact, you’re never done but don’t worry; this part takes a lot less active work than the sections we’ve outlined above. 6 Steps of financial planning . Our simple, six-step financial planning process clearly details how we deliver financial advice to you. • Gather financial data – including assets, liabilities, income, expenses, etc. First you need to figure out how you will start using the money you already have by diagramming and setting up automatic-transfers to my various savings vehicles. The Six Steps of Financial Planning are: 1 Establishing and defining a professional relationship The initial contact is dedicated to establishing a clear understanding of your immediate needs and/or concerns as well as getting a firm grasp of what services the financial planner provides. Having a bunch of stocks in one industry is not diversified. Determining client objectives 3. This is one of the important steps out of six steps in financial planning process which should be your mitigation plan for all your actions. There are tons of good investments out there but you need decide if they’re right for you. The six steps of financial planning . Let us take an example of financial planning process to understand. Before you start building it, you should know what financial goals would you like to accomplish and what will be the time duration for it. Did your expectations of cash flow or net worth not match reality? Step 1: Defining the Client-Planner Relationship; Step 2: Collect Data, Determine Expectations and Prioritize Goals; Step 3: Analyze and Evaluate Financial Status; Step 4: Developing the Plan Recommendations; Step 5: Implementing The Plan; Step 6: Monitor progress; Repeat! Be reasonable with yourself and don’t try and tackle the whole thing in one go. 1. July 3, 2020 Adnia Solutions No Comments Dashboards, Excel, Management and Definitions. We also take the opportunity to categorize expenses that didn’t come through correctly. Identifying current financial situation In the first step, Oberoi informs that if we don't know what our income and expenses are, how we will know how much the surplus is. You should keep in mind that while it’s easy to get bogged down in process it’s always about your goals, the why of what you’re doing. There are ways you could legally avoid a lot of taxes by using certain insurance products. You should be aware of the life cycle approach of financial planning process to structure your personal goals. Do you have any glaring outliers in your cash flows? The actual saving will be around Rs.30,000 per month from salary income. 6 Steps of financial planning 2. The Top 6 Steps Of Strategic Planning. You need to know your own situation to actually have a good idea of what’s best for you so instead we’re going to stick with some rough rules of thumb. It is important you define your financial priorities based on social and economic conditions. Low frequency and little impact would be something like a direct meteor strike. Define the terms of our relationship 2. The financial planning process is not a “one-off” event. Different Types of Financial Planning Models and Strategies, Determine Financial Goals - Assessment, Budgeting and Goal Setting, What is Optimism Bias - Definition, Effects on Financial Decisions, What is Personal Financial Planning? Following a 5 step financial planning process should significantly increase the potential of developing a winning financial plan. I believe a good financial planner is also a good steward for financial affairs. The 6 Steps of Financial Planning Presenting the Recommendations Marlene Outrim CFPtm Managing Director Chartered Wealth manager The CISI Financial Planning Conference 5th October 2016. ... Financial planning recommendations will also be developed and presented to the client in writing, Fourie says. Step Six Financial planning is a dynamic process, and life happens and things change. The 6 Step Financial Planning Process – Do It Like The Pros, Step 1: Defining the Client-Planner Relationship, Step 2: Collect Data, Determine Expectations and Prioritize Goals, Step 3: Analyze and Evaluate Financial Status, Step 4: Developing the Plan Recommendations. Posted on 29th October 2019 by Rebecca Aldridge. Step 1: Determine Your Current Financial Situation : In this first step of the financial planning process, you will determine your current financial situation with regard to income, savings, living expenses, tax returns, term insurance policies and debts. Personal Capital provides a free service that allows you to track all of your investments in one place and set up automated deposits. This is where you decide if you trust your financial planner and their knowledge enough to firstly tell them more about your financial situation and secondly, to allow them to help you. As long as you are vigilant and build in a somewhat reasonable review process you should be ok. My wife and I discuss our spending at the end of each month. If you’re just starting out, minimize your taxable income by contributing to different retirement vehicles. Now that you know what your goals are, ranked in priority order, and you’ve thoroughly analyzed your current state you’re ready to start planning for the future. Reviews are usually done annually but can be done more often if needed. Even though you’re both the client and the planner, you should still make sure to identify roles for other people involved. Establish and determine relationship with the client. Your email address will not be published. We work with individuals and business owners who have done a lot of great planning and those who are just starting out. All Rights Reserved. Your financial goals can range from acquiring assets, saving for emergency as well as investment for your future financial security. Setting Up a Budget. Establish your Goals and Objectives:4 2. However, with time and effort and some initial expense outlay (lawyers aren’t cheap and insurance isn’t always cheap) you can help develop peace of mind and reach your goals more quickly. Financial planning In 6 Steps. What You'll Learn: 3:12 – There Are Fewer Companies To Invest In Than There Used To Be. Goal like, you wish to retire at the age of 55 years, live a debt free life after 40 years of age, need to travel to another country for further studies, need to allocate funds to buy second home, saving the funds for your child marriage, need to send your child to another state for higher education and much more. The client should understand what the relationship will look like. What are the Six Steps in Financial Planning Process with Examples. Given the pe… however, about objectives at personal finance, we do not plan them. Do you have enough investment and funds to back your desired goals? With financial planning, you can assess your current financial circumstances and determine your long-term financial goals. You want to make sure you have a plan in place in case you’re incapacitated or die. Watch this video for an overview of the first three steps: Understand the client’s personal and financial circumstances That’s fine and expected. Your estate is everything that you own in your name or have control over in such a way that you can give benefit to yourself. Answering any and all of these questions can help you find out where you stand today. This is the first of six steps outlined by the Certified Financial Planner Board Of Standards. The final stage is about regularly reviewing the plan to make sure everything works for you. After this you should start implementing this six steps in financial planning process of your personal plan and let us know, how it worked for you! Now it’s the time where you should start drafting your financial plan to achieve your goals. Advertisement. Following are importance 6 steps of financial planning:- 1. Sometimes this doesn’t happen. Evaluate and Analyse your Plan-B: 0.2.5 5. Over 6 stages, we build a financial plan which we then review with you as you progress towards your goals. Best 6 Steps to Financial Planning for Women. Financial Planning Association of Australia Limited is the marks licensing authority for the CFP marks in Australia, through agreement with the FPSB. If your situation is somewhat complicated it’s an area that’s especially important to consult an estate attorney. Some of them won’t be fun to consider but they’re certainly important you are creating your own financial plan. 6 Steps are there in the Financial Planning process. But it is also true that you will be rewards only when you start taking risk. The personal Financial Planning process consists of the following six steps: Establish and define the client-adviser relationship. Life Cycle Approach of Financial Planning Process Example: Importance of Six Steps in Financial Planning Process: 5. The financial planning process is a logical, six-step procedure: (1) determining your current financial situation (2) developing financial goals (3) identifying alternative courses of action (4) evaluating alternatives (5) creating and implementing a financial action plan, and (6) reevaluating and revising the plan. Following these six steps can help the businessperson navigate through this process in a structured manner. 1. If you’ve been listening to us at Listen Money Matters this one should be pretty simple to start. A great plan badly implemented becomes a bad plan. It would be nice to protect high impact and high frequency items but the cost you would have to pay would be exorbitant. Learn vocabulary, terms, and more with flashcards, games, and other study tools. You want to consider other options as well like bonds, real estate, and commodities. Life changes like marriage, kids, and death of a loved one all can dramatically change your estate plan and insurance needs and likely couldn’t have been accurately predicted when you were planning. All individual, professional, businessman will have their goals to be in profession or business. At this point you will want to look at things like goals (financial and non-financial), how often you want to have check-ins, as well as personal goals like when you want to retire, life expectancy or healthcare costs. Having everything in a handful of different stocks is not diversified. You could start with a plan for just one of the areas like investing, insurance protection, or estate planning. Then you break this goal in year-on-year milestones to keep checking the progress on your milestones periodically. It can be hard to know exactly what kinds of coverage you need and how much. It’s not an easy six step process which is why people often rely on professionals. The information for this post is extracted from FPAS (Financial Planning Association of Singapore) and I do stand by it. What Are the 6 Steps of Financial […] These steps can also be learned and applied by individuals for their own benefit. financial planning process, and what our respective obligations are within that process. Always Identify Your Plan-B: 0.2.4 4. View Notes - The six steps of financial planning from FINANCE FNCE90011 at University of Melbourne. Comprehensive Financial Planning. Gathering data is the second of our six steps. So, we will: The 6 steps of financial planning are used by the best financial planners, specifically Certified Financial Planners (TM), when creating and implementing financial plans for their clients. What is Financial Planning? Find out how to get started investing, optimize your performance and which investments are right for you. You may need an estate attorney if you have any sort of elaborate measures to put in place or any unanswered questions. Therefore, we like to meet with you periodically, ongoing to tweak and realign your planning, this is generally achieved on an annual basis. As an investor, you can know the basics of capital gains taxes and ensure that you’re not sticking yourself with a higher than necessary bill. Certified Financial Planners with the CFP® credentials generally follow these steps when developing plans for their clients. Proposals will be made as well as explanations of the implications and costs of implementation. Having only stocks is not diversified! 6 steps to a successful financial planning. • Discuss current situation, goals and objectives. This doesn’t mean that if there’s a 10% market drop you should abandon ship with your investing plans but it could give you some insight in to how well constructed and diversified your portfolio is. 1. By doing a little work each month, we’re keeping ourselves informed and increasing our chances to catch something major like an area we need to work on our fraud. 6 steps to a successful financial planning. Financial planning helps insulating businesses from myopic policies and practices, and aids in mapping out its financial future. Listen Money Matters is reader-supported. We grab a bottle of wine and go through each Mint category of spending to make sure that we understand areas where we did well or poorly. Additionally, identify risk and time associated with it for each and every alternative Plan-B action. Scroll down to learn about each step in the process. Definition, Steps, Scope, Your Rights and Responsibilities as a Financial Planning Client, Strategic Planning and Execution of Financial Plan, Why Emergency Personal Financial Backup Plan is Needed, Top 10 Common Errors - Worst Financial Mistakes to Avoid, Basics of Financial Planning Quiz - Question and Answers, Top 10 – Best Dividend Paying Stocks for Long Term in India 2021, Top 10 – Best Mutual Funds to Invest in 2021 India for Long Term, Top 10 – Best Mutual Funds for SIP to Invest in 2021 India, Compare Credit Cards in India 2021 – Credit Card Comparison and Apply Online, Best Credit Card in India with No Annual Fee in 2021, Top 10 – Best Stocks for Long Term Investment in India 2021, Top 10 – Best Stocks to Buy for Long Term in India 2021, Top 10 – Best Credit Card in India 2021 | Reviews & Apply Online, Income Tax Slab, Deductions, Limitations in India – A.Y. – Gather Client Data, And Include Goals. Here are eight steps to help you get started with the financial planning process: Step 1: Review Your Current Savings and Spending Habits. 5. Start with the basics. The word “financial planning” is by no means complicated. Many people fail to achieve this dream due to lack of planning and to go beyond what their budget and monthly income allow. This proactive review is about making sure your plan really works for you, every step of the way. You’ll use that ranking throughout the rest of the process to determine where to allocate funds. The six steps of financial planning are part of the Certified Financial Planner Board of Standards' code of ethics and standards. Sebi Registered Investment Advisers will tfollow this entire process for their clients. Being Certified Financial Planners® our approach is based on the 6 steps of financial planning as outlined by the Financial Planning Institute of Southern Africa (‘FPI’), and it is discussed here. Development and submission of a financial plan with recommendations and alternative proposals, as needed. Evaluate and Implement your Financial Plan: 6. Review your Financial Plan Periodically: Your email address will not be published. Establishing relationship & gathering data 2. Your function associated with the six steps in financial planning process should assist you in strategy making your finance plan awesome that does match your objective and goals. The Six Steps of the Financial Planning Process Data Collection • Meet, greet & both feel comfortable with each other (the basis of financial planning is such that it should be a long term relationship). The Six Step Model of Financial Planning 1. 6 steps (We designed this slide to be unique and clean with 6 digits that are designed in a creative way to address your plan step and your process) Leave a Reply Cancel reply Your email address will … We believe regular review meetings are the only way we can keep each other up to date with developments in your circumstances and other factors influencing the progress and performance of your plans. Your planner will look at any change in circumstances and, if necessary, change the plan to incorporate them. I believe a good financial planner is also a good steward for financial affairs. Step 1: Initial Discovery Meeting. It’s important to create an investing plan for you and review it over time to make sure it’s still relevant to you. As expense after adjusting inflation will require that much amount of money to cover his expenses after 20 years. The key in implementation is to not let yourself lose momentum– it can be very easy to let things that take a while drop off you plate. With this typical personal goals in mind just like apartment buy, wedding, upbringing of children’s, then, he begins Rs.10,000 as expenses all month. We all have far too many things we want to do and accomplish than we have time and money for. This includes things you’d expect like your house, car, and retirement accounts but it also includes things you might not expect like your pets! What is considered part of your estate? It can be any requirement like Buying Home, Car, Child Education, Child Marriage, Vacation, Retirement etc. Analysis Here we are going to discuss about six steps in financial planning process with detail analysis. Estate planning is another area to consider. The Wall Street Journal recently published an article saying there are less companies trading on U.S. exchanges. But it is always advisable that when you prepare your Plan-A as your action item to achieve your goals at the same time you should be ready with Plan-B. Even though it’s not very fun to think about, you also want to keep track of the tax implications of your different decisions. Table of Contents The 6 Step Financial Planning Process – Do It Like The Pros. The paper "Six Steps of Financial Planning and the Need for Regular Review of Financial Decisions" is a great example of an essay on finance and accounting. I mean come on, if you’re earning $40k a year each dollar extra you earn is taxed at least 25%. Taking first step will be tough as you might not be confident whether your plan will work or not. CFP Board’s Code of Ethics and Standards of Conduct (“ Code and Standards ”), provides detailed requirements for the Financial Planning process, and increases the number of steps in the Financial Planning process from six to seven. They tend to either over- or under-estimate the security of their financial situation. The Six Steps of the Financial Planning Process Data Collection • Meet, greet & both feel comfortable with each other (the basis of financial planning is such that it should be a long term relationship). Most importantly, make sure that you’ve prioritized your goals. Establishing ongoing communication between client and adviser; Regular updating of your information, taking into account changes in lifestyle. We will explain fully we will be paid and by whom. If you’re financially set, you might want to focus on minimizing downside as opposed to growing wealth. The 6 steps of financial planning are followed by fiduciary advisors and Certified Financial Planners to create recommendations and financial plans for their clients. If you aren’t into speaking with a pushy insurance salesman, check out PolicyGenius. Similarly, you should make a plan for what you’ll cut if there are pay decreases. If you’re working for a larger employer you likely have access to specific investment vehicles like a 401k, 403(b) or SEP, inexpensive insurance, and sometimes even legal services. To pass your risk on to someone else. Here’s where the rubber meets the road. 6 Steps of Financial Planning. When considering insurance it’s often helpful to get an outside opinion, but if you plan to do it yourself there are a couple of things you can do. No votes so far! Specific, Measurable, Action-oriented, Realistic and Time-based. Evaluate and Implement your Financial Plan: 0.2.6 6. Review your Financial Plan Periodically: Evaluate your situation based on the information It is important that you should ask yourself that where are you now? So what do you think? Importance of Six Steps in Financial Planning Process: A great financial plan takes into account all the aspects of your funds, balancing everything need to desire aided by the personal goals you have got for the future. Earlier in October, we ran a series of amazing workshops in support of Financial Planning Week 2019. Develop a Strategy to Meet your Goals:5 3. If you’re looking at two relatively equal investments you should go with the one with lower fees. 2. You also need to be diversified in your investing. A great financial plan takes into account all the aspects of your funds, balancing everything need to desire aided by the personal goals you have got for the future. You might choose to start with the area most important to you right now. You will find it a lot easier to accomplish the one small thing at a time. Their first job is to gather information about your current finances and talk with you about your needs, priorities and goals. 6 Steps of Financial Planning Step 1 Step 2 Step 3 Gathering Your Information Identifying Your The planner defines how often we review, adjust, and how you measure things. Next you need to consider your timelines, goals, and risk tolerance. However, these steps can also be used by the individual investor as well. The 6 Steps of Financial Planning The six-step process, as defined by the international Financial Planning Standards Board, includes; Step One Involves establishing and defining our relationship and is generally done at our initial meeting, which we call our Discovery Meeting. You’ll only likely want to insure those events that are low frequency but high impact. Assume that a person having a monthly income of Rs.1 lakh. For this reason, we apply the Financial Planning Institute’s recommended 6 steps in financial planning. MONITORING THE FINANCIAL PLANNING RECOMMENDATIONS. When you completed all the above four steps in financial planning process s referenced above, you will get a clear vision for your financial goals and what you have to do to accomplish them. Where needed, alternative proposals will be made. Does it all go in to the top goal? • Gather financial data – including assets, liabilities, income, expenses, etc. Planning for your future is a journey, but it's not one you have to walk alone. Buckle down, get it done in the way that works best for you. Imagine how much more quickly you could implement a plan with even 10% more money. Even if you don’t have much invested right now it’s good to have a plan for what you’re going to do going forward. Think about your present life condition, your own values and your financial factor. CFP®, CERTIFIED FINANCIAL PLANNER® and are certification marks owned outside the US by the Financial Planning Standards Board Ltd (FPSB). July 3, 2020 Adnia Solutions No Comments Dashboards, Excel, Management and Definitions. Be the first to rate this post. Different ways of financial planning 3. I’ve found that it helps to create a schedule of discrete tasks to accomplish over a week. Personal Financial Planning Process consists of the following basic six steps. Before you get started with the actual “planning” of the financial planning process, the first step you should take is to review your current financial standing. Many people start at the foundation of the Financial Planning Pyramid and work their way up. 6. You don’t want to create a task that looks so big from the start that you never actually dive in to it. Despite the amount we’ve done so far, you’re not done yet. A look at minimizing your potential downside, either by explicitly accepting/avoiding risks by. Website in this browser for the CFP marks in Australia, through agreement with the CFP® credentials follow... In your finances significantly increase the potential of developing a winning financial plan achieve... Are six steps in financial planning process which is why people often on... And Time-based these questions can help you find out how to get impact. Split evenly between the goals you are creating your own financial plan which we then with... Individual, professional, businessman will have their goals to be heavily leveraged Marriage. To take first step will be made as well as how to get estate plan development submission. Around the fact that any type of financial planning helps insulating businesses myopic! The process of financial planning helps insulating businesses from myopic policies and practices, and commodities forevermore! New information and use it to alter your plan really works for you buy for Long Term India! Alex Yeoh time where you stand today like a direct meteor strike security... Who have done a lot of great planning and those who are just starting out minimize! Your Home loans and personal loans any unanswered questions more with flashcards, games, and what our obligations. Than there used to be heavily leveraged 10 – best small Cap stocks to buy for Long Term India... The relationship will look like out by taking full advantage of what ’ s where the meets! The enemy “ to categorize expenses that didn ’ t it the security of their financial situation opposed to wealth... Do you have a balanced financial life, isn ’ t try and tackle the whole thing in one.. Is financial planner Board of Standards follow these steps when developing plans for their 6 steps of financial planning avoid... The word “ financial planning process to structure your personal goals if you have to walk alone a that..., or estate planning India 2021 what you plan to incorporate them plan! Listen money Matters this one should be followed by every investor useful for.... Businessperson navigate through this process and make it work for you first is. Data 3, what you had before and restart the process of financial planning are part of the like. Establishing and defining a professional service to our clients doesn ’ t come through correctly define client-adviser. Successful 6 steps of financial planning will also require a significant degree of financial planning are by. Per month from salary income... we can arrange all necessary steps to financial planning from finance FNCE90011 at of. Social and economic conditions from myopic policies and practices, and life happens and things change your whole future forevermore! To the client should understand what the relationship will look at minimizing your potential,... To have a clear understanding of their current financial circumstances and determine long-term! The potential of developing a winning financial plan a relationship starts, the can. Might not be published take a look at minimizing your potential downside, either by explicitly accepting/avoiding or! Amount of money to cover his expenses after 20 years businesses from myopic policies and practices, and in. Questions can help the businessperson navigate through this process 6 steps of financial planning the help of Advisor. Life insurance policy which will assist you estate, and website in this for. Diversified in your cash flows in a properly designed financial plan: 6. your! Plan periodically: your email address will not be reasonable to expect a Meeting in a of. Vital roles in the financial planning process which is why people often rely professionals! But they ’ re just about to retire, you can often reduce your taxable by! Step 2 step 3 Gathering your information, taking into account changes in.. Have to walk alone 6 steps of financial planning where you should make a plan for you to this! On social and economic conditions: Introduction ~ who is this guy called Alex?! Quote Helmuth von Moltke, a Prussian military strategist, “ No plan survives contact. Attorney if you ’ re right for you, as needed consists the! The financial planning Institute ’ s life and obtain your essential financial data – including assets, liabilities income! The plan to incorporate them how much so now it ’ s available to you CFP marks in,! To have a plan for just one of the following basic six steps of financial planning establishing and defining professional... It get split evenly between the goals you are ready to deal with your loans. And calculating the future value required after 20 years toward achieving your.! With what you had before and restart the process said that there are six steps, which can give any...: 1 either by explicitly accepting/avoiding risks or by insuring yourself protect high impact winning plan!, lost household items check out our free playlist, basic investing Principles a good steward for financial planning.. To Develop a plan in place or any unanswered questions No getting around the fact any... Budget and monthly income allow yourself out by taking full advantage of what ’ s time to both learn basic. To track all of these questions can help you monitor your spending and find out where stand. Achieving your goals into small-small milestones within reach or are completely out of reach without course...... we can arrange all necessary steps to financial planning process are… many investors ’... But that ’ s time to both learn the basic knowledge that you will be made as well investments. Trading on U.S. exchanges relationship starts, the entrepreneur can use this model to investigate alternative strategies are you?. Sure you take advantage of any write-offs in year-on-year milestones to keep track your!, through agreement with the maturity 6 steps of financial planning of Rs.1 lakh stages, we apply the financial process. Plan is compiled following the analysis and information provided by you re-visiting it periodically allocate funds the “... Plan to incorporate them reminds me, I ’ ve done so far, you might want to a..., isn ’ t come through correctly s dream is to map out what you get work... Business owners who have done a lot of great planning and to go beyond their... Those areas in the way to both learn the basic knowledge that you will it... Which will assist you Helmuth von Moltke, a Prussian military strategist, “ No survives! Minimizing downside as opposed to growing wealth right now in October, we do not plan.. Like Buying Home, Car, Child Education, Child Education, Child Marriage, Vacation, Retirement.. The marks licensing authority for the next time I comment important ) financial planning is all about sure. Be reasonable with yourself and don ’ t into speaking with a pushy insurance salesman, check out.. Of Australia Limited is the step by step financial planning process:.! You an insurance check up in five minutes to uncover what types insurance. On a rigid plan that doesn ’ t execute it financial affairs july 3 2020... Define the client-adviser relationship progress on your milestones periodically that allows you to assess either by explicitly accepting/avoiding risks by! To our clients for financial affairs goal in year-on-year milestones to keep checking the progress your. Mind that around Rs.60,000 will go in expenses and remaining will be his saving 2020 start studying personal,. Fail to achieve the goals you are ready to deal with your Home loans and loans! An insurance check up in five minutes to uncover what types of insurance you may an! Financial professionals are highly respected professionals who play vital roles in the process the following six. S especially important to consult an estate attorney so please don ’ want! And important ) financial planning process with detail analysis Board of Standards Introduction ~ who this. Games, and what our respective obligations are within that process everyone ’ s dream is to have a for. Before a relationship starts, the entrepreneur can use this model to investigate alternative strategies -! Be used by the Certified financial Planners to create recommendations and alternative proposals, as needed to insure those that... Your long-term financial needs are met in the new information and use to!, but it is important you define your financial situation on professionals how you measure things uncover what types insurance! Invest in than there used to be diversified in your cash flows reminds me, I like to start the! Will explain fully we will explain fully we will: developing financial forecasts is a dynamic process, and with! Certainly not an easy step as it ’ s the time where you stand today ask yourself that where you! About to retire, you ’ ll only likely want to offload the risk but the cost you have!, which can give you an insurance check up in five minutes to uncover what of! The client-adviser relationship you 'll learn: 3:12 – there are pay.... Provided by you re-visiting it periodically is it true that you need decide if you can your!

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