Kathleen D. Schaum, MS, is President and Founder of Kathleen D. Schaum & Associates, Inc, Lake Worth, Florida. Ms. Schaum can be reached for questions and consultations by calling 561-670-7176 or through her email address: [email protected]. Submit your questions for Payment Strategies by mail to Kathleen D. Schaum, MS, 6491 Rock Creek Dr, Lake Worth, FL 33467. This article is considered expert opinion and was not subject to peer review.