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.
If this is your first word action picture based article, you might try choosing your topic first and then choose an active verb or action word to build your article title and content. Now write an introduction emphasizing the risks and encourage your reader to keep reading for the solutions. End the introduction with a short list of benefits to the reader when they take your advice.