Finally, when applying discount factors, where do you intend to get your discount numbers? For a company with existing debt and equity capital you can calculate WACC and use that. For a startup company you need to figure out a risk_adjusted cost of capital that makes sense. Usually this is not just a risk_free rate which only the largest companies in the world have access to. It's probably something higher.
When you need a special touch _ Key card envelopes are a great way to present your small business's gift cards to customers. If you have plastic gift cards made up, it is much more elegant to include a custom paper envelope with your business name, than to leave the presentation up to the person purchasing the card. Instead of your gift card getting unceremoniously taped inside a greeting card, it can be gifted with your business name, location, and information right on the envelope. For another special touch, Tyvek envelopes can offer a custom feel and look for a high_end resort or other business that wants their envelope to convey the status of the company.