Q: It’s possible these days to deliver invoices electronically as well as hard copy. Some customers prefer it, and it can lead to more payments.  Some studies have found that businesses receive payment faster if they send out online invoices. Electronic payments can also save you money by reducing paper costs and they help eliminate fraud that can be associated with paper-based checks. Some companies allow customers to choose. Electronic payments will not work for some customers, such as those with poor eyesight or who don’t know how to use computers, so give customers options. Electronic payments are also convenient for some customers, who may not have the time to purchase stamps, go to the post office, or otherwise deal with paper invoices. It’s also harder for them to argue that they never received the invoice. If you aren’t already doing so, one way you can compel customers to pay up is to charge interest on late payments or to charge late fees.  Customers may prioritize the invoices that charge interest and late fees over the ones that do not, sending your invoice to the top of their payment pile. Be extremely clear on the invoice (and on the front end at the time of purchase) how much you will charge in interest or in late fees and when. For example, you could inform the customer that he or she will be charged 2 percent interest fee per month on late payments. Check with laws and regulations in your area on charging interest. It’s possible to motivate customers to pay their invoices by using negative reinforcement (such as interest charges or late fees), but it’s also possible to encourage them to do so by using positive reinforcement.  For example, the invoice could include a 1 or 2 percent discount on the overall payment if the customer pays early (specify the time frame very clearly). Offer such things as gift certificates, merchandise, credits or future discounts on products if the customer pays by a certain time frame. Positive incentives help build brand loyalty and positive feelings in customers. Keep in mind that no one enjoys receiving a bill in the mail and, ultimately, you want the customer to purchase from you again. Sometimes businesses offer customers early settlements to take care of the amount as it can be better than getting nothing. Make sure the customer has actually received the invoice by checking on the customer’s address. Before providing goods and services to a customer in advance, determine whether the customer is likely to pay.  Demand cash up front from people who are at risk of non-payment. Some factors to consider are whether the customer has a long-standing pattern of paying invoices in a timely manner. How big is the customer? This can work both ways. If the company you’re dealing with is very large, they might be more likely to pay its bills. However, the risk of loss to you is greater if the company does not pay up. Determine how much risk you can afford to take and whether you’re in a position to take gamble on a riskier customer. Consider whether you’re cultivating the customer on a long-term basis or if this is likely to be a one-time sale.
A: Consider electronic delivery. Consider charging late fees or interest. Offer incentives. Determine the customer’s risk of non-payment.

Article: Different materials require different types of paint, and plastic typically needs a special type of spray paint. The wrong type of paint may blister, bubble, flake, or just won’t adhere properly to the surface. Look for spray paints that are specifically formulated for plastic surfaces, or that are suitable for plastics. Companies that make spray paint for plastic include Krylon, Valspar, and Rustoleum.
Question: What is a summary of what this article is about?
Choose the right paint.

Problem: Article: Lightroom's export presets are essentially "shortcuts" for the saving process — they are sets of saving conditions that allow you to get through the export process quickly if you already know exactly what you want. To begin, select this option from the file menu — it's two options below the standard "Export" option. Your options should pop out in a submenu from the "Export with Preset" option. The different presets specify different conditions for saving your photos. See below for a brief selection of each. You can also access these presets this by selecting "Export", then picking the preset from the menu on the left. This option will create JPEG photos at maximum quality with a resolution of 240 pixels per inch and no scaling. By default, the files will be saved to the "Files On CD/DVD" location that you have chosen at the top of the dialog box. The DNG ("Digital Negative") file format is a raw image data format created by Adobe. The format is compatible with most Adobe image processing programs and many non-Adobe programs. This preset creates photos in this file type with no post-processing at the location you specify. As their names suggest, the two "For Email" options save your photos with email-friendly sizes and formats. The differences between the two options are:   For Email: This option immediately launches an email message with the files attached so that you can send your photos directly from Lightroom.  For Email (Hard drive): Saves the files with email-friendly characteristics to your hard drive. No email is sent. In addition to the presets that come with Lightroom, it's possible to create your own to save time the next time you need to save your work. To do this, use the steps below:  Select File >Export. Choose the export settings you want for your new preset. Click "Add" in the bottom left of the dialog box. Give your new preset a name and click "Create." Your preset will now be available via the same steps as you used for the other presets.
Summary: Select File > Export with Preset. Choose a preset. Select "Burn Full-Sized JPEGS" for CD/DVD export. Select "DNG" for use in other Adobe programs. Choose either of the Email options for email usage. Alternatively, create your own preset for future use.

Q: Start calculating your assets, or what you own. This is the first step is figuring out how much zakat you'll pay. You exclude the assets you use for everyday life. For example, your primary residence, car, clothes and business equipment are not used in your zakat asset calculations. It's based on what's left after you take care of you and your family's living expenses.   Some examples of zakat-eligible assets include stocks, savings, investment properties, cash, business income or precious metals such as gold. Determine how much your zakat-eligible assets are worth for the year. Debt from credit cards, college or other loans subtracts from your personal net worth. These outstanding debts are deducted from your total zakat-eligible assets.  If you obtained a personal loan of any type (car, home, cash), then look at how much you pay per month to your creditors, not the entire outstanding debt. Add up how much you owe each month to your creditors. Multiple this amount by 12 to calculate your annual liability amount. Subtract your liabilities from your zakat-eligible assets. For example, your assets for the year total $6,000 and your liabilities total $2,000. Your zakat net worth or zakat pool of money is $4,000 ($6,000 - $2,000 = $4,000).
A:
Identify your assets. Identify your liabilities. Determine your zakat net worth.