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Men’s Soccer’s Felix De Bona: Leading by Example Team’s tri-captain reflects on family and future aspirations

BU men’s soccer player Felix De Bona (CGS’15, CAS’17) has netted eight goals this season, closing in on matching or exceeding his own mark for most by a Terrier in a single season (nine) since 2009. Photo by Jackie Ricciardi

As a euphoric Felix De Bona ran bare-chested across Nickerson Field after curling in a golden goal from just outside the penalty area that gave the BU men’s soccer team a 1-0 win over Dartmouth October 18, it’s a safe bet his father saw it live from his home in Brazil. Men’s soccer games are among the sports streamed live on the Patriot League Network.

“He’s always watching,” says De Bona (CGS’15, CAS’17), one of this year’s soccer team tri-captains. “Usually the next day or two days after, he’ll call me and give me his analysis of every play. That’s the kind of relationship I have with my father. Sometimes we don’t talk about anything other than soccer, but I wouldn’t have it any other way.”

During De Bona’s BU career, he’s scored the most goals by a Terrier in a single season (nine last season, a number he’s at arm’s length of matching or beating this season) since 2009, earned first team honors on both the All-Patriot League and All-Region teams, and started in 51 of the Terriers’ last 54 matchups. De Bona has also been named to the watchlist for the 2024 MAC Hermann Trophy, awarded annually to the nation’s top men’s and women’s soccer player.

Men’s soccer head coach Neil Roberts credits De Bona with striving to push himself on and off the field since he first arrived three years ago. “His fitness has improved a great deal. In his work ethic, he’s improved, and academically, he’s improved,” Roberts says. “Everything he’s done since he’s been here has gotten better.” And that determination, he says, has earned De Bona the respect of his teammates.

“He’s not a real loud guy,” Roberts says. “It’s just a matter of example. They see what he does and how he does it, how loyal he is, how helpful he is, and how hardworking he is.”

Born in Urussanga, Brazil, he spent nearly every day playing soccer. “In Brazil, my dad used to be a coach,” he says, “and I just grew up in the soccer world. When I came here, that came with me.”

While he cites Brazilian soccer icon Ronaldo as his professional role model, De Bona is quick to name his parents, Gilmar and Graca, as his true heroes, and he attributes his success to them. “My parents were a great part of what I am and where I am playing today. My dad was my biggest supporter,” he says. “I know a lot of kids that could’ve gone somewhere, but didn’t have the proper support system. My dad really took the time to make me a better player. He really enjoyed the game and enjoyed watching me.”

After a successful high school career in Somerville and time spent on the club teams of the New England Revolution, greater Boston’s Major League Soccer team, De Bona set his sights on playing at the collegiate level. He says he knew instantly that BU was the right fit.

“I wanted to stay as close as possible to Boston. I chose BU because the coaches made me feel like they really wanted me and needed my kind of talent for the team,” he says. “I had visited other schools, and they did not seem as excited to have me. When I came to visit BU and talk to the coaches, it took about one day to make my decision.”

With his parents now back in Brazil—“they felt it was the right time to move back financially and be close to family”—De Bona says he looks to his wife, Julliane, for strength and support. They were married in 2013.

“My parents don’t live here, so it’s really good to have her around. She supports me with everything and really encourages me,” he says. “A lot of people may look at it like, oh, you guys got married too early, but when you meet the right person, you meet the right person.”

“Felix is an example and an inspiration to all who know his story,” says Julliane, who describes him as both dedicated and caring. “He always knew that his soccer talents could take him far, but he also knew that he needed to succeed academically as well if he wanted a better future.”

That future could involve being drafted by a Major League Soccer team. De Bona played for the Revolution’s U-23 team last summer and practiced for a week with Sporting Kansas City. Playing professionally “has been my dream for a long time, and I would like it if the Revs take a look,” he says. “Being a local kid playing for the Revs, I hope that means something, but I would take any opportunity to play at the next level. Whether it’s the Revs or another club, I hope I can show something that gives me an opportunity.” (The annual Major League Soccer SuperDraft is held in January.)

Roberts says that if De Bona can work on his movement off the ball, “he’s got a shot,” at reaching his professional aspirations. “He’s a good teammate, and he works hard. His work ethic and his passion for the game are what Felix is all about.”

When his playing days are over, De Bona hopes to use the degree in international relations he’s pursuing to work for the US government. “Outside of soccer, I’ve always had aspirations of working for the government,” he says. “That’s something that really interests me. Right now, I focus on foreign policies and security studies.”

“He’s got big goals, and he works hard toward them every day,” says goalkeeper and fellow tri-captain Matt Gilbert (Questrom’17). “You see it every day. He’s a leader by example.”

The BU men’s soccer team takes on Army tomorrow, Saturday, October 29, at 7 p.m., at Nickerson Field, 285 Babcock St. Admission is free for all BU students with a sports pass, $3 for faculty and staff, and $5 for the general public. The Patriot League Network will broadcast the game live.

Taylor Raglin can be reached at [email protected].

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Guía De Compra De Microsoft 365

Anteriormente, podías obtener la licencia completa de estos programas y descargarlos desde la web de Microsoft. Esto cambió con la llegada de Office 365 en 2011, haciendo posible suscribirse a uno de sus planes y no tener que pagar por cada nueva versión.

En 2023, Office 365 pasó a llamarse Microsoft 365 para reflejar las prestaciones exclusivas a sus suscriptores. Las herramientas principales siguen siendo las mismas: acceso ilimitado a las apps de Microsoft Office y almacenamiento en la nube gratis con OneDrive.

Sea como sea, existe una gran variedad de planes de Microsoft 365 a los que suscribirte. Deberás escoger uno u otro según el uso que le des y lo que estés dispuesto a pagar. Quizás será mejor que apuestes solo por una aplicación individual de pago único.

Microsoft lanzó Office 2023 en octubre de 2023 y está disponible tanto en la versión Hogar y Estudiantes como Hogar y Empresa. Por otro lado, al comprar Microsoft 365, sus suscriptores suelen recibir actualizaciones mensuales.

Cómo conseguir Microsoft Office en tu ordenador

Hace años, la mejor (y única) forma de conseguir Microsoft Office era comprando un CD-ROM por un pago único e instalar los programas en tu ordenador o portátil. Esto sería algo complicado en la actualidad, pues no todos lo portátiles tienen lector de CD.

En la actualidad, puedes descargarte Office, ya sea en su versión completa a pago único o con una suscripción mensual o anual. Hay ventajas de optar por una y otra opción, pero en ambos casos ya no necesitarás una copia física del paquete de software.

Todos aquellos programas de Office que lleven el “365” en el nombre es que funcionan por suscripción. Si no lo tiene, lo más probable es que se trata de una compra a pago único, lo que significa que no recibirás las actualizaciones mensuales de las suscripciones 365.

Existen varias versiones de Office disponibles y deberás escoger aquella que mejor se ajusta a tus necesidades. Esta guía de compra te llevará por todas las opciones: ya quieras utilizar Office en casa o en una empresa, para estudiar o para trabajar.

A los usuarios de Mac, les recomendaríamos que leyeran la guía de compra de Office para Mac publicada en Macworld España. Los planes no difieren demasiado para macOS o Windows, pero así irás sobre seguro.

Cómo saber qué versión de Microsoft Office tienes

Es muy fácil comprobar qué versión de Microsoft Office tienes, algo que necesitarás saber si quieres actualizar tu software. Bastará con abrir cualquier programa de la suite de ofimática. Por ejemplo, si tienes Microsoft Word 10, verás el nombre de la versión al abrir la app.

Si quieres saber más detalles, haz clic en la pestaña ‘Archivo’, seguido de ‘Ayuda’. En el menú de la derecha, deberías ver el número de la versión, el ID del producto, así como el nombre completo de la suite y los programas incluidos.

El proceso es algo distinto en versiones más antiguas de Microsoft Word, pues la interfaz también ha cambiado. En la versión de 2007, deberás hacer clic en el botón Microsoft Office de la esquina derecha y clicar en ‘Opciones de Word’, seguido de ‘Recursos’ y ‘Acerca de’.

En la versión de 2003, en cambio, deberás ir a la opción ‘Ayuda’ de la barra de menú superior y luego hacer clic en ‘Acerca de Microsoft Office Word’. En el menú desplegable, verás la versión y la suite a la que pertenece. 

¿Se incluye Microsoft Office en Windows 11?

No, no lo incluye. Windows 11 llegó a finales de 2023, pero sin las apps de Microsoft Office incluidas. La única excepción es si ya tienes una versión suelta (como Office 2023), pero todos los demás tendrán que suscribirse a Microsoft 365 para tener acceso.

Todo lo que ofrece Microsoft 365 (anteriormente Office 365)

En marzo de 2023, Microsoft anunció que su Office 365 pasaría a llamarse Microsoft 365 a partir del 21 de abril de 2023. Esto no ha afectado de ninguna manera a la forma en la que ya lo has estado usando. Es más, ha añadido algunas herramientas nuevas.

A continuación, te explicaremos las tres opciones diseñadas para el consumidor medio (seguramente lo seas tú) contempladas con el sistema de suscripción. La gran ventaja es que recibirás actualizaciones de forma regular.

Con estos tres planes, también tendrás la posibilidad de trabajar en la nube (funciona de forma similar a Google Docs), así como minutos de Skype gratis y acceso a las aplicaciones móvil para tablet y smartphone.

Puedes disfrutar de Microsoft 365 en su versión Familia o Personal. Desde octubre de 2023, los suscriptores de ambas versiones pueden instalar el software en tantos dispositivos como quieran, algo que antes estaba limitado.

La principal diferencia es que Office Home puede ser usado por seis usuarios al mismo tiempo (y no cinco como antes), mientras que Office Personal está pensado para un único usuario. Esta diferencia también se ve reflejada, lógicamente, en el precio.

Existe una tercera opción que, como el nombre indica, está pensada para estudiantes y trabajadores de la universidad (deberás probarlo). Microsoft Office 365 University es prácticamente igual que Office Personal, pero el precio es mucho más atractivo.

Microsoft 365 Familia (anteriormente Office 365 Hogar)

Hasta 6 usuarios al mismo tiempo en PCs, Macs,


y móviles ilimitados

1 TB de almacenamiento en la nube por usuario (6 TB en total)

60 minutos de llamadas por Skype mensuales a móviles y fijos

Actualizaciones regulares

Incluye: Word, Excel, PowerPoint, OneNote, Outlook, Publisher (solo PC), Access (solo PC), OneDrive, Skype, Microsoft Teams

Prueba gratuita de 1 mes

Precio: 10 € / MXN$169.99 al mes o 99 € / MXN$1,749 al año

Comprar Microsoft 365 Familia

Microsoft 365 Personal (anteriormente Office 365 Personal)

Hasta 1 usuario al mismo tiempo en PCs, Macs,


y móviles ilimitados

1 TB de almacenamiento en la nube por usuario (1 TB en total)

60 minutos de llamadas por Skype mensuales a móviles y fijos

Actualizaciones regulares

Incluye: Word, Excel, PowerPoint, OneNote, Outlook, Publisher (solo PC), Access (solo PC), OneDrive, Skype, Microsoft Teams

No incluye prueba gratuita

Precio: 7 € / MXN$129,99 al mes o 69 € / MXN$1,299 al año

Comprar Microsoft 365 Personal

Microsoft 365 Education

Comprar Microsoft 365 Education

Todo lo que ofrece Office Hogar y Estudiantes

A quienes prefieran pagar por un programa una única vez les interesará el paquete Office Hogar y Estudiantes. No tendrás actualizaciones de software regulares como con Microsoft 365, pero podrás usar el programa toda la vida.

Debes saber que este plan a pago único no te dará acceso completo a las apps para móvil y tablet (podrás ver los documentos gratuitamente, pero no editarlos ni crear de nuevos). Tampoco hay almacenamiento en la nube ni todos los programas de Microsoft 365.

La última versión a pago único es la de Office 2023, que incluye nuevas funciones como una temática oscura en Word, nuevas herramientas de aprendizaje, nuevos gráficos y líneas del tiempo, nuevas transiciones en PowerPoint y mucho más.

Es importante que tengas en cuenta que, para utilizar Office 2023 en tu PC, deberás tener instalado Windows 10. Además, solo podrás usarlo en PC o Mac, podrás ver, compartir y editar documentos online y usar Word, Excel, PowerPoint y OneNote.

Precio: 149 € / MXN$2,599 (pago único)

Comprar Office 2023 Hogar y Estudiantes

Todo lo que ofrece Microsoft 365 Empresa

Además de sus versiones para Hogar y Educación, Microsoft también ofrece versiones de su software pensadas para empresas. En este artículo encontrarás los planes para pequeñas empresas, pero también hay planes para grandes empresas.

Existen tres versiones principales de Microsoft 365 Empresa, así que asegúrate de que eliges el que más se adapta a las necesidades de tu compañía. Ve con cuidado también con el cambio de nombre que se producirá este mes de abril.

Microsoft 365 Empresa Básico

1 TB de almacenamiento en la nube por usuario

Correo electrónico con buzón de 50 GB y dominio de correo personalizado

Hasta 300 usuarios

Actualizaciones regulares

Videoconferencias con hasta 250 participantes

Acceso a OneDrive, Exchange, Microsoft Teams, SharePoint, Yammer, Skype para Empresas

Incluye versiones web de Word, Excel, PowerPoint, Outlook y OneNote

No incluye prueba gratuita

Precio: 5,10 € / MXN$106 por usuario al mes (suscripción anual) / 6,10 € / MXN$127 por usuario al mes (suscripción mensual)

Comprar Microsoft 365 Empresa Básico

Microsoft 365 Empresa Estándar

Una licencia para 5 PCs o Macs, 5


y 5 móviles por usuario

1 TB de almacenamiento en la nube por usuario

Hasta 300 usuarios

Actualizaciones regulares

Incluye versiones de escritorio de Word, Excel, PowerPoint, OneNote, Outlook, Publisher (solo PC), Access (solo PC), OneDrive

Incluye versiones web de Word, Excel, PowerPoint

Prueba gratuita de 1 mes

Precio: 10,50 € / MXN$264 por usuario al mes (suscripción anual) / 12,60 € / MXN$317 por usuario al mes (suscripción mensual)

Comprar Microsoft 365 Empresa Estándar

Microsoft 365 Empresa Premium (anteriormente Office 365 Empresa Premium)

Una licencia para 5 PCs o Macs, 5


y 5 móviles por usuario

1 TB de almacenamiento en la nube por usuario

Hasta 300 usuarios

Actualizaciones regulares

Incluye versiones de escritorio de Word, Excel, PowerPoint, OneNote, Outlook, Publisher (solo PC), Access (solo PC), OneDrive

Incluye versiones web de Word, Excel, PowerPoint

Prueba gratuita de 1 mes

Precio: 18,60 € / MXN$464 por usuario al mes (suscripción anual)

Comprar Microsoft 365 Empresa Premium




Ver oferta

Cómo Ver Vídeos De Tiktok De Forma Anónima

A continuación te ofrecemos algunas recomendaciones para incrementar el nivel de privacidad de tu cuenta de TikTok o, en caso de que no quieras abrirte una cuenta y ofrecer datos, cómo ver TikTok de forma totalmente anónima.

Si ya tienes una cuenta: Mejora los ajustes de privacidad

En caso de que ya tengas una cuenta en TikTok y no te importe usarla, te recomendamos lo primero, hacer que tu cuenta sea privada. Para ello, sigue los siguientes pasos:

En tu perfil, toca en el icono con tres barras en la esquina superior derecha y después en ‘Ajustes y privacidad’.

Elige la opción ‘Privacidad’

Activa ‘Cuenta privada’. Estará activada cuando veas el icono en azul.

Una vez tengas tu cuenta privada, puedes también elegir desactivar la opción ‘Estado de actividad’. Si tienes activada esta opción los seguidores que os seguís mutuamente podréis ver ver vuestro estado de actividad si ambos tenéis la opción activada. Así que, no te interesa tener activado el estado de actividad si te preocupa tu privacidad.


El último ajuste que te proponemos se encuentra también en el apartado ‘Privacidad’ en tu perfil. Desliza hacia abajo hasta encontrar la opción ‘Visualizaciones del perfil’. Esta opción deberá estar desactivada, de lo contrario, aunque podrás saber quién ha visto tu perfil en los últimos 30 días (algo que nunca viene mal saber), también otras personas que tengan activada esta opción podrán saber que tú has entrado a sus perfiles. Sucede lo mismo con ‘Visualización de la publicación’, así que desactiva también esta opción.

Por cierto, si quieres saber más sobre TikTok, tenemos una guía en la que te contamos cómo sacarle el máximo partido a la red social.

Cómo ver vídeos en TikTok de forma anónima sin tener una cuenta

Si lo que quieres es no tener que hacerte una cuenta, la solución es sencilla: usar la versión web de TikTok. Para ello, simplemente ve a Google y haz una búsqueda desde ahí. Por ejemplo, puedes buscar ‘bailes de TikTok’. También puedes entrar a la versión web de TikTok a través de este enlace.

Elige una de las primeras opciones de búsqueda con el logo de TikTok y enseguida te aparecerá una nueva página con la versión web. Como puedes ver en la captura siguiente, no es la forma más intuitiva de usar la app, la experiencia de usuario será mucho mejor si usas la app de TikTok.


Por otro lado, si prefieres usar la app de TikTok, puedes abrir la aplicación, tocar sobre el icono con tres rayas y en la opción de ‘Mi cuenta’ elegir cerrar cuenta. De este modo, con tu cuenta cerrada, podrás navegar por la red social sin ser visto. Eso sí, no podrás interactuar (ni comentar, ni dar like) y puede que el algoritmo no funcione tan bien lo que quiere decir que acabarás viendo muchos vídeos que no te interesan.

Usar una VPN para TikTok

Cuando hablamos de privacidad siempre sale a flote la palabra ‘VPN’. Al fin y al cabo, es una forma de navegar de una forma mucho más segura y anónima en general. Por ello, si vas a usar wifi públicos o si simplemente prefieres estar más protegido/a, siempre es recomendable usar una VPN.

El proceso es también muy sencillo. Si vas a usar TikTok en tu móvil, tendrás que instalar una app VPN. Son muchas las VPN disponibles ahora mismo, por ello hemos dedicado un artículo a hablar de las que, según nuestra experiencia, son las mejores para Android. En este caso vamos a usar NordVPN, un servicio que hemos podido comprar, funciona muy bien. Un suscripción te costará menos de tres euros al mes, así que merece la pena. Por otro lado, puedes también consultar nuestra selección con algunas VPN gratis que merecen la pena.

Una vez instales NordVPN (o la VPN que hayas elegido) solo tendrás que abrir la app y tocar sobre la opción ‘Conectar’. Puedes elegir el país desde el que conectarte, esto es útil para cambiar la localización de tu IP y poder acceder a contenido bloqueado por geolocalización, pero en este caso, para estar más protegido y navegar de forma anónima, la localización desde la que te conectes puede ser la del mismo país en el que estés.

Suscríbete a NordVPN aquí

¡Eso es todo! Si te preocupan los ojos de terceros, la VPN conseguirá añadir ese filtro extra de seguridad que buscas. Si combinas todos los consejos que te ofrecemos en este artículo podrás llevar a cabo esa experiencia anónima en TikTok. ¡A deslizar se ha dicho!

Meaning, Methods, Benefits & Example

What is Financial Forecasting?

Financial forecasting evaluates a company’s past performance and the market’s current trends to predict its future financial performance. It’s a critical tool for businesses of all sizes, as it can help them make informed decisions. Thus, they gauge where to allocate resources and how to position the firm for growth best.

The four major components of financial forecasting are projected income statements, cash flow, balance sheet, and funding sources. Financial forecasting has several methods to calculate the fundamentals of financial indicators. Delphi, percent of sales, moving average, etc., are some methods.

Key Takeaways

Financial forecasting is the estimation of a company’s future financial performance. It uses past performance records and present-day trends for the projection. 

It’s a crucial part of effective financial planning , as it helps make resource allocation decisions to achieve satisfactory financial results.

Analysts create them using various quantitative and qualitative techniques. However, some popular methods include regression models, straight-line, market research, etc. 

While financial forecasting predicts future outcomes and business performances, financial planning uses that forecast to create functional and practical strategies.

How Does Financial Forecasting Work?

In financial forecasting, businesses project their financial statements to predict the company’s future.

Majorly, companies use the income statement for internal planning. However, they may use all the financial statements when the aim is to bring in investors. 

Financial forecasting primarily lays a clear picture of the company’s future position. Thus, management can use the estimation to create actionable schemes to achieve business goals. 

For instance, firms can project and forecast their cash flow statement to understand upcoming profits and losses.

Therefore, forecasting involves reflecting on data, numbers, and statistics. Those are the factors that have an impact on a company’s behavior over a specific period. Other factors, such as economic conditions and market trends, can also influence the forecast. Thus, financial forecasting involves assumptions as well to equip such unforeseen factors.

Components of Financial Forecasting

The primary financial statements and other funds are the fundamental and necessary elements of forecasting a company’s financials.

1. Profit and Loss Statement

The profit or loss statement, commonly known as the income statement, is an essential forecasting component. 

It demonstrates how an organization generates profit or loss over a period. 

The profit or loss statement projection can foresee impending expenses and income. Budgets are also a large part of this statement’s projection.

Moreover, items that can be forecasted in a P&L statement include revenue, COGS , operating expenses, depreciation , amortization, interest income, and interest expense.

2. Cash Flow Statement

Every company relies on cash to run. The cash flow statement displays the total amount of money coming in, going out, and remaining at the end of the month. 

The company’s income statement may predict loss but not cash on hand. Thus, we project cash flow statements to determine how the company can operate while making timely adjustments to create profit cycles. 

A forecast of cash can help management plan on cash outflow for wages, debt payments, tax, etc. They can also use it to plan future investment strategies.

Items that can be forecasted in a Cash Flow statement include cash flow from operating activities, cash flow from financing activities, cash flow from investing activities , and cash in hand.

3. Balance Sheet

The balance sheet provides a summary of the company’s financial position. It consists of assets like cash on hand, money in the bank, etc. 

It also includes shares, investor stocks, and shareholders’ equity

Within liabilities, it contains unpaid bills, loan fees, credit card balances, and other obligations. 

It uses various financial inputs like profit, investment, financial plans, and cash and capital expenditure budgets.

Items forecasted in a Balance Sheet include long-term debt, retained earnings, Net PP&E , other liabilities, and much more.

4. Working Capital

We project the additional funds using the projected balance sheet, income statement, and initial balance sheet. These funds used during the planning period are known as working capital. 

Firms use this projection to evaluate operating expenses like tax and dividend payments. 

Items forecasted in a Working Capital Schedule include accounts receivable , accounts payable, prepaid expenses, other current liabilities, etc.

How to Create a Financial Forecast?

a) Determine the Purpose

Determining its purpose is the first and foremost step in creating a financial forecast. 

Companies can forecast data for various reasons like analyzing budgets, evaluating products & services, and much more. 

For every objective, analysts need to use different factors of the business. Thus, working out a specific goal is necessary. 

b) Gather Information

After deciding the goal of financial forecasting, the management can establish the factors needed. 

Companies then gather data relevant to the subject of the forecast. For example, if they want to forecast revenue, they might need sales, expenses, etc. 

Analysts collect details from current financials as well as historical data of the company. 

They must also ensure they possess all necessary data; otherwise, forecasts might be inaccurate.

c) Choose a Method

We can create financial forecasts using a variety of techniques. These techniques can be quantitative as well as qualitative. 

Some widely available and applicable methods include moving averages, regression analysis, straight-line, market research, etc. 

Every process has a different focus and provides specific results. 

Thus, selecting a way that best suits the company’s needs is critical.

d) Project the Information

After we decide on the method, we can project all the information. 

Analysts project the financial statements as per the requirement. 

They project revenue, income, cash flow, assets, liabilities, etc. 

It is crucial to project data as it directly affects the forecast precisely.

e) Monitor & Forecast

After the projection of all available data, analysts prepare the forecast.

However, as information is subject to change, they must monitor the forecast monthly. 

The forecast has to be up to date with all changes that transpired internally or externally. 

Access to crucial data can help with making business decisions. 

Therefore, with the help of these forecasts, you can plan strategically, buy the equipment you’ll need, and hire more staff to support your company’s growth. 

Using the estimates, the financial department can identify the areas that need improvement. 


Download the Excel template here – Financial Forecasting Excel Template

You can download this Financial Forecasting Examples here – Financial Forecasting Examples


Let us see an example using the percent of sales method.

Company ABC produces stationery items. As notebooks are their prominent product, they want to forecast the next year’s sales. The given data is,

Sales for year 2023 = $390,000;

Forecast the next year’s sales for the notebook.


First, we need to calculate the growth rate for Sales.

Formula: Growth Rate = (Sales for 2023 / Sales for 2023) – 1

Next, we calculate the future sales forecast.

Therefore, we determine next year’s sales forecast using the percent of sales method.

Sales for 2023 = $507,000

Financial Forecasting Methods Quantitative Research

The quantitative approach employs questions to gather quantifiable data for statistical analysis. It extrapolates the findings from a sample to the entire population using techniques and statistical inference. In simple terms, it researches numerical or quantitative variables. Some quantitative methods are regression analysis, percentage of sales, moving average, and the straight-line method.

1. Percent of Sales

This method calculates the percentage of sales using the line-of-sale items from the primary financial statements. They later apply these percentages to estimate those sales items’ future value.

The companies need to analyze their history to establish the percentage of sales values. For instance, the selling price of a product is proportional to its production cost. Thus, we can apply a similar growth rate to future metrics. 

2. Straight-Line Method

The easiest and most popular method businesses use is the straight-line method. It involves assuming that the company’s growth rate stays constant. Thus, applying the growth rate to the current financials can present future values.

However, this method does not consider fluctuations in the market and economic conditions. It also needs increasing experts and individuals to conduct financial calculations and economic operations with security. 

Here, we first calculate the growth rate using the company’s history. Then, we multiply the growth rate with the current data value and calculate the result.

3. Moving Average

Moving averages is an effective visual tool that is easy to use and comprehend. It provides essential insights into company trends. It averages the company’s historical data and creates a future forecast. 

Moving averages’ most typical use is to determine the trend’s direction. For instance, sales for a particular product from the previous quarter can help predict the current quarter’s sales. 

Simple Moving Averages (SMA) and Exponential Moving Averages (EMA) are the most widely applied moving averages. Calculating the moving average is dividing the total variable value for a period by the number of periods.

4. Simple Linear Regression:

Regression analysis enables us to determine which elements have the most significant influence on a particular business area. These elements are called variables, and they are dependent and independent variables. 

It is the most popular method for modeling a relationship between two sets of variables. Analysts produce an equation to forecast and estimate data. 

In this model, X-axis carries the independent variable, while the Y graphs the dependent variable. The observations of the Y variable at each level of X represent their relationship as a straight line.

The simple linear regression equation is y=Bx-A, where y and x are the dependent and independent variables. B is the slope, and A is the intercept.

5. Multiple Linear Regression

Multiple linear regression is a statistical method that examines situations where more than one variable is present. There can be several independent variables but only one dependent variable.

Using this technique, one can check causes and approximately predict the values of the response (dependent) variables.

A business is affected not only by a single situation but by many factors. Thus, this method is more dynamic and valuable, as it uses several variables.

Qualitative Research

The goal of qualitative research is to interpret the meaning of non-numerical data to understand social life better. To gather qualitative data and understand consumer behavior, qualitative researchers use a combination of focus groups, interviews, and observations. This type of research has a subjective view of the company’s performance. The methods under this research are market research and the Delphi method.

1. Market Research

Businesses use market research to gather data to understand the consumer better systematically. The study helps in making better business decisions. 

It assists in understanding the needs of the market. The company can create effective planning of human and material resources to align with market trends.

Surveys can help gain knowledge about the company’s target audience. They use it to understand customer needs regarding goods or services.

Startups need to determine the economic degree of success or failure when it enters the market. Even when existing businesses launch a new product or service, they must gauge its success rates. Market analysis methods can help with both of these scenarios.

2. Delphi Method

The most popular qualitative sales or demand forecasting technique is probably the Delphi Method. This approach involves a multi-stage, iterative process with a team of experts. 

This method uses professionals who have been in the market for a while. They must possess plenty of experience and knowledge of the industry’s demands. 

The analysts first analyze the business model and prepare a forecast. The report is circulated among the experts individually, where they add their opinion on the forecast.

Financial Forecasting vs Financial Planning

Financial Forecasting and Financial Planning are two significant concepts of finance. Both the terms are relative to a company’s future and impact a company’s financial future preparation. Yet, there are differences between the two. Financial forecasting focuses on predictions, while financial planning concerns long-term goals. 

Financial forecasting uses factors such as a company’s current cash position or industry trends to determine future happenings. However, most of what happens during a financial plan is future speculation based on present-day actions.

Forecasting involves estimating using data from the company’s historical and past events. Therefore, financial planning considers savings and investments to plot a future financial outcome. 

Financial forecasting is a component of strategic planning, but it does not include implementation approaches. It generally facilitates statistics to guide planning. Financial Planners also, use present information to create an actionable plan for their clients.

In financial planning, you’re considering how to sustain your company for years. Plans are usually less detailed than forecasts and span from one year to five years. 

Benefits of Financial Forecasting

1. Align your Entire Business

Businesses need to ensure that their finances are in order. 

Financial forecasting helps because it considers all major and minor economic factors. 

Overall knowledge about the businesses’ finances can be a valuable tool for strategic planning to align the corporation. 

2. Manage your Expenses in Real Time

Forecasts allow for making informed decisions daily to control cash flow effectively. 

Plus, analyzing past transactions using appropriate software tools can identify problematic areas with cash leakage.

3. Stay Compliant with Bankruptcy Laws

When filing for bankruptcy, the court looks at the finances to decide eligibility. Therefore, companies should get help from a lawyer or accountant to comply with the law. 

Moreover, a solid understanding of the company’s finances is essential to meet regulatory requirements like an SEC filing or 10-K report. 

Financial forecasting software also makes it easy to handle all these tasks quickly and efficiently.


, Sage Intacct, and Workday are some software other than Excel.

4. Develop Proactive Business Strategies

Financial forecasts make it easier to answer these questions by providing crucial information about future expectations, resources, investments, debt obligations, etc. 

Creating forecasts compels you to take stock of your current situation. Thus, creating opportunities for perceiving business goals with a new perspective. 

A robust forecast also allows you to answer what-if scenarios like rising interest rates or increasing costs. 

5. Improve Communication Throughout the Company

Without a clear understanding of where the company is financially, it cannot be easy to make informed decisions about its future. 

Therefore, by creating a financial forecast, you can ensure that everyone in the company is working towards the same goal.

Frequently Asked Questions(FAQs) Q1. What is Financial Forecasting? Give an example.

Answer: Financial forecasting is an instrument that aids in future planning based on expected income, expenses, and investments. For instance, an analyst analyzing companies like Netflix, Amazon, IBM, and Starbucks by financial forecasting can help understand the respective companies’ future sales, expenses, Capex, Debt, and valuation.

It is an analysis that enables determining a company’s long-term growth rate from a financial standpoint. Therefore, this set of actions evaluates the performance and history of previous financials using projection.

Q2. What is the purpose of financial forecasting? Why is it important?

Answer: A financial forecast assesses the future course of a business or the entire economy. Its primary purpose is to help with business evaluations to lead to practical decision-making. Therefore, investors use these predictions to make better choices about investments. 

They are also crucial for business planning, budgeting, operations, and funding. They even assist executives and external stakeholders in making wiser decisions. However, an economic forecast estimates how much money a company will make in the future, which can help create the annual budget.

Q3. How to create a financial forecast model for startups?

Answer: Even though startups do not have financial data available initially, they need forecasts to create their action plan. Thus, we can use qualitative methods to make financial forecasts for startups. Moreover, market research of the industry will help gain insight along with the Delphi method. 

They can also forecast for another firm from the same industry and similar size. That way, they get an approximate idea of the market. 

Q4. What are some financial forecasting methods?

Answer: There are different methods that analysts implement for the process of creating a financial forecast. They classify as qualitative and qualitative techniques. Some majorly effective ways are single & multiple linear regression, Delphi, multiple averages, percent of sales, etc.

Q5. What are some common financial forecasting mistakes?

Answer: Some of the most frequent financial forecasting mistakes are not updating the data regularly, ineffective communication, inaccurate interpretation of information, etc.  However, analysts must correct forecasts over time because financial data is dynamic. Also, it might narrow the outcome when analysts predict data aligning it with the expected goals.

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How Java Bufferedreader Class Works? Example

Introduction to Java BufferedReader

Web development, programming languages, Software testing & others

Public class BufferedReader Extends Reader How does Java BufferedReader Class work?

The Java BufferedReader Class basically works just by reading the text of the character input stream and the buffering characters, which are about to provide the efficient reading of arrays, characters, and lines. There are some of the important points to make the BufferedReader Class work. They are buffer size can be specified or may have some default size. The default size of it is somewhat large enough for each and most of the purposes. The programs that actually use the DataInputStreams for some textual input localized by replacing for each and every DataInputStream along with an appropriate BufferedReader.

Constructors of Java BufferedReader

Given below are the two different types of constructors:

BufferedReader(Reader in)

BufferedReader(Reader in, int sz)

1. BufferedReader(Reader in): This constructor will create one buffering character input stream, which actually used as a default sized input buffer or buffering.

2. BufferedReader(Reader in, int sz): This constructor will create a buffering input character stream that actually uses input buffering of some specific size.

Methods of Java BufferedReader

Given below are the methods:

1. Void Close() Method of BufferedReader Class: The void close() method will help close the streaming or stream and release any type of system resources that actually associate with it.

2. Void mark(int readAheadLimit) Method of BufferedReader Class: The Void mark (int readAheadLimit) method will help in marking the present position/spot in the stream.

3. Boolean markSupported() Method of BufferedReader Class: The Boolean markSupported() method will tell the support stream the mark() function operation, which it actually does.

4. Int read() Method of BufferedReader: The int read() method will read a single character.

5. Int read(char[] cbuf , int off, int len) Method of BufferedReader Class: The int read(char[] cbuf, int off, int len) method will read the character into some array portion.

7. Boolean ready() Method of Java BufferedReader Class: The Boolean ready () method will actually tell if/whether the particular stream is actually ready in reading.

8. Void reset() Method of Java BufferedReader Class: The void reset() method will reset the stream so easily.

9. Long skip(long n) Method of Java BufferedReader Class: The Long skip (long n) method will easily skip the characters.

Examples of Java BufferedReader

Given below are the examples mentioned:

Example #1

This is an example of implementing the Java BufferedReader methods. At first, some libraries are imported using the import function. Then main() is created to create the needed program. Then fr1 FileReader and br1 BufferedReader are created. Then character array with 21 lengths is created then IF Loop is created to illustrate markSupported() function/method. Then again, IF is created for illustrating the ready() method.

The br.skip() is used to skip the first 8 characters of the text, which is in the chúng tôi Inside of the IF LOOP readLine() method and read () are illustrated. Then FOR LOOP is created with 21 lengths as a condition to print the characters which are within the 21 characters. Then line break will be printed. Then reset() method is illustrated. Then FOR LOOP for illustrating reset() and read() method.

import; import; import; public class BufferedReaderDemo { public static void main(String[] args) throws IOException { FileReader fr1 = new FileReader("file1.txt"); BufferedReader br1 = new BufferedReader(fr1); char c1[]=new char[21]; if(br1.markSupported()) { System.out.println("nBufferedReader's mark() method is now supported"); br1.mark(101); } br1.skip(9); if(br1.ready()) { System.out.println(br1.readLine());; for (int i = 0; i <21 ; i++) { System.out.print(c1[i]); } System.out.println(); br1.reset(); for (int i = 0; i <9 ; i++) { System.out.print((char); } } } }


Example #2

This is an example of implementing the Java BufferedReader Class Methods. At first, here, java IO function libraries are included. Then a public class called “BufferedReaderExample1” is created, and then the main() function is created to write the user needed code which throws the exception. Then the “fr1” variable is created for file reading (file1.txt), and then the “br1” variable is created, which is the buffered reader for fr1. Then int i1 is created, and then WHILE LOOP is created to implement read() method/function with the condition not equal to -1. Inside of the loop system.out.println() is used to print the whole characters of the file1.txt.


import*; public class BufferedReaderExample1 { public static void main(String args[])throws Exception{ FileReader fr1=new FileReader("file1.txt"); BufferedReader br1=new BufferedReader(fr1); int i1; while((!=-1){ System.out.print((char)i1); } br1.close(); fr1.close(); } }



In this article, we saw the definition of BufferedReader class along with its syntax, how the java BufferedReader class works, constructors of java BufferedReader class, methods of java BufferedReader class along with some of the examples.

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Vbscript Functions & Procedures With Example

In this tutorial, you will learn-

VBScript Procedures

VBScript procedures are used mainly for code organization and reuse. We have been using simple examples till now as here the purpose is learning VBScript. But in real-world scenario, the code is not as simple as that. When you try to implement something that is useful, the code might get more complex. There could be hundreds of lines stretching across many pages.

If you do not organize the code properly, the whole process of coding, debugging and managing the code will become really complex. So, you should organize or modularize the code carefully so that your code becomes easily manageable.

Moreover, suppose you have a set of statements that performs a particular action. You want the same action to be repeated several times. Then, why should you write the same code again and again? By using effective techniques, you can make your code reusable. This will help the developers to organize the code beautifully and the testers to identify bugs easily. In short, code modularization and reuse is very important for making the code more powerful, reliable, and easier to maintain. Here come procedures into a picture.

Types of Procedures in VBScript

A procedure is a block of code that ideally performs a single function. A block of code that processes an input or handles a file is a good example of a function. There are two types of procedures in VBScript.

Sub procedure: The sub-procedure does not return a value.

Function procedure: The function procedure is used if you want to return a value.

Sub Procedures:

If you want to execute a series of statements without returning any value, then you can use sub procedures.

Sub procedures start and end with Sub and End Sub statements respectively. Sub procedures can take arguments, but cannot return a value. Sub procedures may or may not take input.

Sub outputMessage() document.write("Welcome") End Sub

Just writing this code will not output anything. Here you have created a Sub procedure named outputMessage. Next, you need to call it.

call outputMessage()

Sub outputMessage() document.write(“Welcome”) End Sub call outputMessage()

The output of this code will be

VBScript Functions

If you want to execute a series of statements and return a value, then you need to use function procedures, commonly known as function.

Function procedures start and end with Function and End Function statements respectively.

A function procedure may or may not take input.

Function procedures return a value by assigning the value to its name.

Function findArea(radius) const pi=3.14 area = pi*radius*radius findArea = area End Function document.write(“The area of the circle when the radius is 10 is ” & findArea(10))

The output of this code will be

ByRef and ByVal Parameters

You can pass VBScript arguments to the procedures by reference or by value.

If you do not specify anything when you call a procedure, then the argument/arguments are passed by reference by default.

If you the changes made to the arguments to persist even after the procedure is called, then you need to pass the VBScript arguments by reference.

When an argument is passed by value, any changes that the called procedure makes to the value of the variable do not persist after the procedure is called.

The keywords ByRef and ByVal are used to pass arguments by reference and by value respectively.

To understand the difference, first, execute the given below code and see the output.

Step 1) Copy the code into your editor

Function returnResult(ByRef value) value = value +1 returnResult = value End Function Dim x x=5 call returnResult(x) document.write(x)

Step 2) the output is 6.

Step 3) Change Function returnResult(ByRef value) to Function returnResult(ByVal value)

Step 4) Now your output will be 5.


VBScript procedures are used mainly for better code organization and reuse.

There are two types of VBS procedures: Sub procedures and Function procedures.

If you want to execute a series of statements without returning any value, then you can use sub procedures.

If you want to execute a series of statements and return a value, then you need to use function procedures.

You can pass arguments to the procedures by reference or by value. Arguments are passed by reference by default.

If you want to make the changes happened to the arguments persist even after the procedure is called, then you need to pass the arguments by reference and otherwise by value.

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