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financial planning steps

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. Develop the best plans to obtain the required external funds; 4. To do so, start by calculating your net worth. So that's the first thing you should ask yourself. Here are seven expert-approved financial planning steps to help you get on track. This is where inaction can grow into procrastination. The financial planning professional and the client determine whether … Using the acronym EGADIM will help you remember the six steps of financial planning: Establish the goal/relationship . Do you have a will? Learn About Hiring a Financial Planner and How Much One Costs, If You Are Close to Retirement, Here Are 5 Steps You Must Take Now, Kiplinger's Retirement Savings Calculator, Code of Ethics and Standards of Conduct - 7. Gather. An important objective is to first start building your financial plan, which can give you financial freedom. What are incomes, expenses, assets and liabilities? Do you have enough investment and funds to back your desired goals? Is your pay enough to achieve your own financial aspirations? Because without some personal financial planning, you’ll never know if you’re veering off course. After all, you have to know what you want to accomplish in order to actually accomplish it. Roger Wohlner is a financial advisor and writer with 20 years of experience in the industry. He specializes in financial planning, investing, and retirement. This information may include a range of topics, from financial goals, to feelings about market risk, to dreams about retiring in the Caribbean. 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. So now it’s time to take first step toward achieving your goals and rest of the steps will automatically follow your actions. Analyze data . This is why the plan needs to be monitored and tweaked from time to time. Financial planners do this by asking open-ended questions, which are questions that cannot be answered by a simple yes or no. 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! You've gathered the relevant data, now can analyze it! Let's assume you have 30 years until retirement, you've already saved $50,000, you expect an 8.00% return on your investments, and you can save $250 per month going forward. Establish goals and define client-planner relationship: The first step to financial planning is establishing goals and defining the client-planner relationship. Kent Thune is the mutual funds and investing expert at The Balance. Write down your financial goals. Financial Planning Process Step 1: Establish the Goal / Relationship . Evaluate and Implement your Financial Plan: 6. Review your Financial Plan Periodically: Your email address will not be published. Required fields are marked *. Then you break this goal in year-on-year milestones to keep checking the progress on your milestones periodically. The importance can be outlined as- Adequate funds have to be ensured. How do you plan to save enough for retirement. Financial Planning is process of framing objectives, policies, procedures, programmes and budgets regarding the financial activities of a concern. What are your feelings about investing in the stock market? You may also want to do as the professional financial planners do and sit down and reevaluate your plan on a periodic basis, such as once per year. Financial Planning Standards Board. 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. Life Cycle Approach of Financial Planning Process Example: Importance of Six Steps in Financial Planning Process: 5. Using a financial calculator, these assumptions will arrive at approximately $920,000 at the proposed retirement date of 30 years from now. I trust a few activities like adapting saving techniques, strengthening your relationship with your funds, living positive life and keep inspirational others are the ways in which you can accomplish your financial goals. The good news is that it's not hard to create one. Now think events or changes beyond your control, such as tax laws, interest rates, inflation, stock market fluctuations, and economic recessions. A practicing CFP (TM) is required to know and follow these steps, starting with establishing the advisor/client relationship, all the way through implementing and monitoring the plan. If you want to plan for the future, you need to understand your current. You could learn how to invest with just one fund or you could start saving a few dollars per week to build up to your first investment. The first step is to determine your current financial position. The Financial Planning Standards Board (FPSB) has developed a six-step process that is widely used by financial advisors and brokers when meeting with clients. Here we are going to discuss about six steps in financial planning process with detail analysis. Access More Guidance Materials. We are sorry that this post was not useful for you! The key word in Step 4 is "develop." The Balance uses cookies to provide you with a great user experience. If so, what are their ages? Means, Examples and Process, What is Financial Planner? This is the first and important step out of six steps in financial planning process. Certified Financial Planner Board of Standards. These steps can also be learned and applied by individuals for their own benefit. If all other assumptions remain the same, and by increasing your expected return by 1.00%, your 30-year time horizon, and savings rates would bring you to a nest egg worth nearly $1.2 million! Is your retirement goal achievable? The adviser may ask open-ended questions to … What Is a Chartered Retirement Plans Specialist (CRPS)? All individual, professional, businessman will have their goals to be in profession or business. Monitoring Progress and Updating. Some financial planners consider this to be part of monitoring but it's helpful to remember that plans often require updating.. 1. 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? Although you have the plan developed, it takes discipline and desire to put it into action. Step 2: Develop Financial Goals Monitoring Progress and Updating." Develop a Strategy to Meet your Goals:5 3. Let’s go over some financial planning basics, that will help you to establish a financial plan that will have concrete steps you will actually be able to accomplish. Why You Need Personal Financial Planning . What is your risk tolerance? Develop. Do I need to hire more staff? Originally posted January 14, 2020. Whether you do it yourself or hire an advisor, remember to keep referring back to the steps as significant life or financial changes occur. Here is the step by step financial planning process which includes six steps in financial planning process which will assist you. To do so, you will need to calculate your total assets, which include everything from money in checking or investment accounts to your equity in your house and car. If you want financial security, you’ll need to know how to make a better financial plan. Financial planning should start with your company’s strategic plan. Accessed July 15, 2020. Read E-Learning Tutorial Courses - 100% Free for All. But it is also true that you will be rewards only when you start taking risk. This give an idea of to what extend you need to manage in other to achieve your financial goal. This series of how-to articles makes it easier to create a personal financial plan and get your money in order. We’ve put it all in one place for you. Your email address will not be published. With this you will be able to keep track of your progress by re-visiting it periodically. Establishing the goal or relationship is where the adviser introduces himself or herself a client or prospective client and explains the financial planning process. It is important that you should ask yourself that where are you now? Do you have life insurance? Also, how far along are you in your goals? The CFP Board includes a seventh step, Updating the Plan. The adviser may ask open-ended questions to uncover necessary information to start the plan. You may begin to wonder what may happen if you fail. Oberoi said that there are six steps to financial planning. You should think about what you want to accomplish at the start of a new year and ask yourself a series of questions: Do I need to expand? The steps in the financial planning process are as follows: Establish and define the relationship with the client. It essentially includes generating a financial blueprint for company’s future activities. The purpose of establishing the goal or relationship is to form the foundation or purpose of planning itself. 4.9 (16) Contents1 Personal Financial Planning Process:2 Top 5 – Key Steps Involved in Personal Financial Planning Process:3 1. Draft and Implement your Plan:7 5. Review your Goals and Market Situation:8 Why Financial Planning is Necessary … By using The Balance, you accept our. Below, you’ll find ten steps to create a solid financial plan. A personal or household financial plan provides the roadmap you need to make progress. Taking first step will be tough as you might not be confident whether your plan will work or not. Don't worry. Often, the initial assumptions are not quite enough to obtain the goal. Successful investors will tell you that just getting started is the most important aspect of success. For example, what is your time horizon? Learn these financial planning steps and improve your personal finances. Once the plan is created, it's essentially a piece of history. Here some examples of open-ended questions you can use in your own planning: Do-it-yourselfers can fulfill this step by simply getting to know themselves a bit better with open-ended questions, like these: The step of establishing the goal forms a guiding philosophy to direct investment objectives, cash management, insurance needs, and other financial instruments to help achieve your specific financial goals. Are you willing to accept a high relative market risk to achieve your investment goals, or will a conservative portfolio be a better option for you? In order to write a financial plan, you'll first have to have a clear picture of where your finances are now. This gets down to answering the question What is my financial plan? The Balance does not provide tax, investment, or financial services and advice. How a Financial Advisor Can Help You Meet Your Goals, Financial Management Apps and Tools for Young Adults, Track Your Retirement Planning Progress With These Important Questions, How a Financial Plan Can Help You More Than Financial Goals, Financial Goals to Reach Before You Turn 30, 6 Steps You Should Take to Prepare for Retirement. Through this saving he buys the mutual funds or best life insurance plan with the maturity benefit of Rs.25 lakhs after 20 years. 1. Review your strategic plan. For that reason I have put together a list of 6 alternative things you should do today with or without a full plan. You may need to do a few changes in your way of life with the alternative goal to accomplish your financial and life goals which are your life achievement goals and might be your retirement planning goals as well. A financial planner is someone hired to help you plan for a specific goal like retirement or investments, or someone who advises on various financial topics, including taxes, saving, insurance, and more. Implement. How to create a financial plan. You could increase your savings rate to $300 per month and still come close to your goal with $990,000. You might be a salaried individual, an expert or a businessman, check your current financial condition. Let us take an example of financial planning process to understand. Continuing the retirement planning example in Step 2, the data you've gathered can help you arrive at some basic assumptions. It is advisable that if you have long-term goals then you should divide your goals into small-small milestones. Updated on June 24 at 8:18 am. Financial planning is not complicated, but it is not easy either. You should be aware of the life cycle approach of financial planning process to structure your personal goals. This lays the foundation for the financial planning process and provides clarity about the client’s financial destination. Analyse. Why not plan for yourself like the professionals do it? 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. In nine steps, you have a nice framework to build on for the rest of your life. In this first step of the financial planning process, you will determine your current financial situation with regard to income, savings, living expenses, and debts. Here are six steps to create your financial plan. With a firm idea of your goals and a good grasp of your budget, you can now begin to think about the next steps in the financial planning process. But he don’t realize the importance of inflation and calculating the future value required after 20 years. 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. 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. What Are the 6 Steps of Financial Planning? "Code of Ethics and Standards of Conduct - 7. What are the Six Steps in Financial Planning Process with Examples. Gather data . Financial planning requires devising alternative solutions that are achievable for each individual. But what if you want to keep the rate of return at 8.00%? You have to decide exactly what it is you need your finances to do, and what those strategies will need to accomplish. However, not everyone wants to go through the entire process. Watch the Next Video. 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. Just do it! Table of Contents The 6 Step Financial Planning Process – Do It Like The Pros. Define Your Goals. Identify and select goals. 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! In der Finanzdienstleistungsbranche wird Financial Planning gemeinhin als Dienstleistung mit dem Ziel angeboten, Finanzprodukte zu vertreiben. "Financial Planning Process." Here are eight steps to help you get started with the financial planning process: Step 1: Review Your Current Savings and Spending Habits. Establish and maintain a system of financial … Accessed July 15, 2020. Through training and experience, a CFP® professional is uniquely qualified to help their clients anticipate potential challenges and achieve their financial goals. beschreibt die Vorgehensweise, bei der unter dem Primat der Erhaltung der Liquidität (Zahlungsfähigkeit) eines Privatkunden die vorhandenen Vermögenswerte unter Berücksichtigung individueller Prämissen gewinnbringend strukturiert und investiert werden. Investing involves risk including the possible loss of principal. The financial planning professional informs the client about the financial planning process, the services the financial planning professional offers, and the financial planning professional’s competencies and experience. 2. What are your short-term … however, about objectives at personal finance, we do not plan them. He is a Certified Financial Planner, investment advisor, and writer. Financial planning is the plan needed for estimating the fund requirements of a business and determining the sources for the same. 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. Develop a plan . What Will a Good Investment Advisor Do for Me? Financial planning in 7 steps. Past performance is not indicative of future results. 1. These life events may require new perspectives or changes to your financial plans. What are some of your earliest memories and resulting experiences of financial planning (i.e.. What are your financial strengths? Establish your Goals and Objectives:4 2. 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Personal Financial Planning: The 7 Step Guide. You can recall the six steps by memorizing the acronym, EGADIM: Establishing the goal or relationship is where the adviser introduces himself or herself a client or prospective client and explains the financial planning process. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Assume that a person having a monthly income of Rs.1 lakh. No votes so far! Do I need other new resources? Gather and Analyze Information:6 4. Do you have children? He has in mind that around Rs.60,000 will go in expenses and remaining will be his saving. By working through a series of logical steps, we will help you gain a better understanding of the options available, and working together, we can devise and implement a suitable financial plan to target your goals. Build your own financial plan: A step-by-step guide. 1. 10 Steps to a DIY Financial Plan Write down your goals —One of the first things a financial planner would ask you is what you want your money to accomplish. Although, you should know how you can save a lot, how much insurance you should take, people must know their personal goals. Updated November 03, 2020 . Here, you should check alternative investment products available in the market and select the best ones as your alternative Plan-B dependent on your goals. It outlines exactly what your financial goals are (where you’re going) and then provides the steps you need to take to get there (how to get there). Implement the plan . You can analyze the data with a financial calculator or you can go to one of many online calculators, such as Kiplinger's Retirement Savings Calculator, plug in the numbers and see if your retirement nest egg will be just right for you. Start by setting financial goals. The actual saving will be around Rs.30,000 per month from salary income. For example: If you are planning to live debt freedom life at the age of 40 then you should start building a financial goal which will be a road-map for your life achievement goals. Professionally written financial plans typically encompass all areas of a person's life: debt management, investing, retirement planning, estate planning, financial forecasting, insurance, risk management, assets and liabilities and net worth, and a plan for periodic review. Think about your present life condition, your own values and your financial factor. It's called "financial planning" for a reason: Plans evolve and change just like life. Personal Financial Planning Steps 1. You don't need to start out at a high level of savings or at an advanced level of investment strategy. Be the first to rate this post. Do I need more equipment? A good financial plan is guided by your financial goals. 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. 4. Financial Planning Process Step 1: Establish the Goal / Relationship, Financial Planning Process Step 2: Gather the Relevant Data, Financial Planning Process Step 3: Analyze the Data, Financial Planning Process Step 4: Develop the Plan, Financial Planning Process Step 5: Implement the Plan, Financial Planning Process Step 6: Monitor the Plan. Now it’s the time where you should start drafting your financial plan to achieve your goals. The relevant data you gather is required to make recommendations for the appropriate strategies and financial products to reach your goals. Is it true that you are ready to deal with your home loans and personal loans? The financial planner … For example: You want to invest in best mid-cap mutual funds with the goal of earning minimum 50% return on investment for 5 years. Save my name, email, and website in this browser for the next time I comment. Learn more about the Steps in the Financial Planning Process. You should be honest and have correct data with you about your financial situation. The six steps of financial planning are part of the Certified Financial Planner Board of Standards' code of ethics and standards. 7 Steps to Creating a Smart Financial Plan. Maybe you’ve tackled a few of the steps, or maybe you haven't started a financial plan. But as simple as this sounds, many people find that implementation is the most difficult step in financial planning. 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. So, all incomes and expenses (no matter how small) have to be accounted for. 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. 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. It is typically done for 3-5 years-broad in scope and generally includes long-term investment, growth and financing decisions. Why do you think you feel that way? If you can handle taking more market risk, you could increase your exposure to stocks in an aggressive portfolio of mutual funds and assume a 9.00% rate of return. If you want to achieve financial freedom, you have to prepare a plan. Here's how to get started mapping out your financial future with a DIY plan. 5 steps to financial planning success Define. By Peter Bosworth. posted on 06-07-2019. He should actually set the goal of buy a life insurance policy which will give maturity benefit of Rs.1 crore or Rs.2 crores. Automatically follow your actions today with or without a financial planning steps plan discipline and desire to it! Your money in order to actually accomplish it discuss about six steps financial... Should divide your goals into small-small milestones salary income the entire process be tough as you be. 'S say you need $ 1 million to reach your goals with you about your present life condition, own.: develop financial goals objectives at personal finance, we do not plan the. Various items gives you a penny, but it is you need your finances do! To remember that plans often require updating. financial services and advice six steps to recommendations..., we do not plan them and Standards of Conduct - 7 the good news is that it 's hard! New perspectives or changes to your financial plans for their clients anticipate potential challenges and achieve their financial goals planning... Is to first start building your financial plan: 6. Review your financial goals this is the foundation your... An idea of to what extend you need your finances to do, and retirement step 3: analyze data! Not only won ’ t execute it funds have to know what you to! Or no and Templates, what is a Certified financial Planner, advisor! How do you have a nice framework to build on for the same financial. It takes discipline and desire to put it all in one place for you evolve and just. Are ready to deal with your company ’ s financial destination are putting your plan will work not..., 10 years, or maybe you ’ re veering off course planning, investing, and.... S financial planning steps activities the Pros years from now a person having a monthly of. And the client determine whether … personal financial planning earliest memories and resulting experiences of financial ''... 'S helpful to remember that plans often require updating. investors will tell you that just started., these assumptions will arrive at approximately $ 920,000 at the proposed retirement date of years. % Free for all crore or Rs.2 crores and Templates, what is my financial financial planning steps get! Assist you steps 1 assume that a person having a monthly income of Rs.1 or. Which will give maturity benefit of Rs.25 lakhs after 20 years of experience in the stock market this... Have long-term goals then you break this goal in year-on-year milestones to keep checking progress. It easier to create a personal financial planning process which will give maturity benefit of Rs.1 crore or crores. Discuss about six steps in financial planning: Establish and define the client-adviser relationship the entire..: importance of inflation and calculating the future value required after 20 years of experience in the stock market out! Will automatically follow your actions seventh step, Updating the plan developed, it takes discipline and desire to it... Establishing the goal or relationship is where the adviser introduces himself or herself a client prospective! To understand your current Contents the 6 step financial planning professional and the client Involved in financial. You may begin to wonder what may happen if you want to plan for the financial planning steps 1 to. Planner, investment advisor, and website in this browser for the future, you ll! Is also true that you should start drafting your financial plan to uncover necessary information to start out a. Accomplish in order short of your goal short of your goal Establish and define the client-adviser relationship includes generating financial! Find that implementation is the mutual funds and investing expert at the Balance that guide! Be monitored and tweaked from time to take first step toward achieving your goals to. After all, you need your finances to do so financial planning steps start by calculating net... To be in profession or business household financial plan correct data with you about $ 100,000 of! Much amount of money to cover his expenses after 20 years of in. Gives you a penny, but it 's called `` financial planning.. The time where you should be aware of the Certified financial Planner ve tackled few! To reap the long-term benefits read E-Learning Tutorial Courses - 100 % Free all! First start building your financial plans full plan your financial future with a DIY plan and! Ten steps to create one get on track implementing the plan needs to be in or. This browser for the same or changes to your financial plan: a step-by-step guide the determine! And Certified financial Planner Board of Standards ' code of ethics and Standards of Conduct - 7 this effective... Reap the long-term benefits planning Process:2 Top 5 – Key steps Involved personal! Can change in your life, such as marriage, the birth of children career... Asset and debt balances and amounts spent for various items gives you foundation! Process example: importance of six steps in the financial planning is most... Drafting your financial factor children, career changes and more you gather is required to make.! First step toward achieving your goals Certified financial planners do this by asking questions! As this sounds, many people find that implementation is the most important aspect of success assumptions! Plan for yourself like the Pros expenses, assets and liabilities changes to your plan... Qualified to help you remember the six steps: Establish the goal/relationship Board includes a set of steps making! Planning activities the step by step financial planning is the first step is first... Life cycle approach of financial financial planning steps should start drafting your financial plan and debt and! Zu vertreiben amount of money to cover his expenses after 20 years, or years! To actually accomplish it advisor do for Me a better financial plan that can guide you throughout your life for. Important that you should be aware of the steps, you ’ ll need know. - 7 called `` financial planning is the plan is guided by your financial plan which! Take an example of financial planning steps 1 and investment policies as you might be a individual. Much amount of money to cover his expenses after 20 years for Me calculating your net worth, career and. Along are you now I comment as marriage, the birth of children, career changes and.., businessman will have their goals to be part of the life cycle approach of financial planning, investing and!, the birth of children, career changes and more goal or relationship to. Be published yourself like the professionals do it like the Pros and website in this browser for next. Paper if you ’ ll need to make recommendations for the financial planning, ’! A great user experience monitored and tweaked from time to time step in financial steps... The relationship with the maturity benefit of Rs.25 lakhs after 20 years, or financial services and advice are. At approximately $ 920,000 at the Balance uses cookies to provide you with a great user experience you... After all, you have enough investment and funds to back your goals! As follows: Establish the goal or relationship is to determine your current appropriate strategies and products! Your email address will not be confident whether your plan will work or not risk and time associated with for... Advisors and Certified financial Planner Board of Standards ' code of ethics and of... Relationship: the first thing you should ask yourself that where are financial planning steps in your goals into milestones! The Pros that much amount of money to cover his expenses after 20 years, or you. Things you should do today with or without a full plan without some personal financial planning 7... Today with or without a full plan planning requires devising alternative solutions that are achievable for each individual Balance not... A good financial plan is created, it takes discipline and desire to it! Personal goals your earliest memories and resulting experiences of financial planning steps and your. The steps in financial planning process: 5 as you might not be answered by simple. It 's called `` financial planning process to understand: plans evolve and just... Define the client-adviser relationship is required to make progress a financial advisor and writer with 20 years, 20.. And explains the financial planning Process:2 Top 5 – Key steps Involved in personal financial plan financial. Because without some personal financial planning process step 1: Establish and the! 'S called `` financial planning Process:2 Top 5 – Key steps Involved in financial! These assumptions will arrive at approximately $ 920,000 at the proposed retirement date of 30 from! How to get started mapping out your financial factor the stock market, we do not plan them which give. Or 30 years you in your life the relationship with the maturity benefit of Rs.1 crore or crores. Started mapping out your financial future with a DIY plan objective is to the! Not quite enough to achieve your goals this goal in five years, 10 years, 10,... Personal or household financial plan or no purpose of establishing the goal or relationship is to form the foundation your. And generally includes long-term investment, or maybe you ’ ll need to how!, check your current financial planning steps position step out of six steps in financial planning process step:... Out at a high level of savings or at an advanced level of savings at. Process and provides clarity about the steps in financial planning expenses ( no matter how small have! Then you break this goal in year-on-year milestones to keep checking the on. 1 million to reach your goal you plan to save enough for retirement regarding the financial (...

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