Inexperienced contractors using standard business forms purchased at office supply stores could suggest they haven’t invested much in their business, and may not be properly licensed. Also, they may not be paying income taxes, a risk you don’t want to take when hiring a painting contractor. There’s a reason professionalism is important, even when it comes to painters. http://www.youtube.com/watch?feature=youtu.be&v=b6_WEt9k_Hw
Sand the trim with a fine-grit sanding sponge. Sponges get into crevices where sandpaper can’t go and let you apply even pressure. Then apply the first coat of paint, let it dry at least 24 hours, lightly sand it again for a completely smooth surface, and apply the second coat. After each sanding, vacuum the trim, then wipe it down with a tack cloth to remove the dust.

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I turn away any job when the client refuses to pay anything up front. It sends a red flag. I also charge a scheduling fee which is non-refundable. I get 33 percent when I show up and begin work. Another percentage halfway through, and the balance upon completion after client is satisfied. There needs to be skin in the game for both parties as a measure of good faith. If you are dealing with a reputable company (did your due diligence, right?) why wouldn't you want to pay something as work progresses? We do this not only because we love to paint but we require cash flow to stay in business. There is not always 'money in the bank' as you suggest. It's tough these days. The suggestion buy 'Kim' 'Never pay a contractor a deposit' is nonsensical. 

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As he has demonstrated through his involvement in the Fort Worth community, he enjoys working with people.  He serves on the worship team and as an elder at his church, has filled many roles in the school’s PTA, and was instrumental in helping to develop a Dads’ Club at the local elementary school which encourages fathers to become more involved in their child’s education.

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