4 study questions

I need a substantive response to each of the following questions.
Importance of Finance – Professional and Personal

Understanding the importance of finance in your personal and professional lives is so important; especially with the economy being so wavering the past five years. Identify three primary business decisions that financial managers must make. What are some of the downfalls of not keeping a household budget
There are many roles of the financial manager, one of which is to maximize shareholder value. While this is generally considered to be a financial value there may also be non-financial components which also carry value. For example, a company’s good customer service may be paramount to growing the financial value. What other non-financial values do you think a financial manager should weigh in on?
What is the DuPont ratio analysis?
What is the sale forecasting method to create proforma financial statements?

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