Q: To cancel a check, you must have the legal authority to do so either as an owner of the account or as a legally recognized agent. You will also need certain information to make a cancellation request with your bank: You need the name or names of the owners of the account on which the check was written. This includes all names on a joint or company account. You will also need your phone number and the address as it appears on the check. Make sure you write down the account number on which the check was drawn, the check number, and the date written on the check. You also need to have the amount for which the check was written and the name of the party to whom the check was made payable. Your bank will also ask you the reason for the stop payment request, so make sure you know why. Check with the bank to see if the check has cleared. This means that the person you wrote the check to has been paid the amount it was written for. You can ask the person or company that it was issued to. You should also verify the status of the check with your bank. This can be done over the phone or online. You cannot cancel a check that has already been paid. The cancellation does not take effect immediately. It generally happens at the end of the following business day in most cases. If it has not cleared, no information is needed from the recipient of the check before making a stop payment. There is usually a charge for the service, regardless of whether payment is actually stopped or not. This varies from bank to bank. Depending upon your relationship with the financial institution, fees may not be required or will be forgiven. If you know there will be a fee, you may not want to place a stop payment because of the extra cost. If a check is worth less than the amount of the fee, let the payment go through. If you receive an overdraft fee, it is about the same price as a stop payment fee at most banks. Be aware that overdraft fees can be incurred again and again if the money is not replaced. There is no fee for placing a stop payment on lost or stolen blank checks. If your check book is stolen, get a police report right away. This is especially needed if there was more than one check stolen. Then take the report to the bank at the branch where you do business. You may want to consider closing the account and opening another one. If you want to close your account, the bank will have a manager or a loss-prevention specialist to help you. They can flag your account for special care. They can also help you to transition to a new account as necessary. You may not always be able to put a stop payment on a check. It also may not always be convenient to do so. A stop payment cannot be processed if you paid with a cashier's checks or if the check has already been paid. It also cannot go through if there was not enough time to process the request. If you can't cancel the check, try contacting the payee directly. Request that they do not deposit the check or to arrange for reimbursement in another form.
A: Gather needed information. Verify payment status. Consider the cost. Deal with stolen checks. Deal with an unstopped payment.

Article: Cyclic hydrocarbons work like non-cyclic hydrocarbons as far as naming - those containing no multiple bonds are cycloalkanes, those with double bonds are cycloalkenes, and those with triple bonds are cycloalkynes. For instance, a 6-carbon ring with no multiple bonding is cyclohexane. There are a few notable differences between naming cyclic and non-cyclic hydrocarbons: Because all the carbons in a cyclic hydrocarbon ring are equal, you don't need to use a number if your cyclic hydrocarbon only has one constituent. If the alkyl group attached to the cyclic hydrocarbon is larger or more complex than the ring, then the cyclic hydrocarbon may become a substituent instead of the parent chain. If two substituents are on the ring, they're numbered in alphabetical order. The first (alphabetically) substituent is 1; the next is numbered going counterclockwise or clockwise - whichever results in a lower number for the second substituent. If more than two substituents are on the ring, the first one alphabetically is said to be attached to the first carbon. The others are numbered counterclockwise or clockwise - whichever results in the lowest numbers. Like non-cyclic hydrocarbons, the final molecule is named in alphabetical order, excluding prefixes like di-, tri- and tetra-.
Question: What is a summary of what this article is about?
Figure out what sort of cyclic hydrocarbon you have. Know the difference in naming a cyclic hydrocarbon.

Q: Strictly speaking, the dividend payout ratio accounts only for regular dividends paid to investors. However, sometimes, companies offer one-time dividend payments to all (or only some) of their investors. For the most accurate payout ratio values, these "special" dividends should not be included in dividend payout ratio calculations. Thus, the modified formula for calculating dividend payout ratios during periods that include special dividends is (Total dividends - Special dividends)/Net income. For example, if a company pays regular quarterly dividends totaling $1,000,000 over a year but also paid out one special $400,000 dividend to its investors after a financial windfall, we would ignore this special dividend in our payout ratio calculation. Assuming a net income of $3,000,000, the dividend payout ratio for this company is (1,400,000 - 400,000)/3,000,000 = 0.334 (or 33.4%). One way that people with money that they want to invest compare different investment opportunities is by looking at the history of dividend payout ratios that each opportunity has had. Investors generally consider the size of the ratio (in other words, whether the company pays a lot or a little of its earnings back to investors) as well as its stability (in other words, how widely the ratio varies from one year to the next). Different dividend payout ratios appeal to investors with different objectives. In general, both very low and very high payout ratios (as well as those that vary greatly or decrease over time) signal risky investments. As suggested above, there are reasons why both high and low payout ratios might be appealing to an investor. For someone who's looking for a secure investment that's likely to provide a steady income, high payout ratios can signal that a company has grown to the point that it doesn't need to invest heavily in itself, making for a safe investment. On the other hand, for someone who's looking to seize a lucrative opportunity in the hopes of making big earnings in the long run, low payout ratios can signal that a company is investing heavily in its future. If the company ends up becoming successful, this sort of investment will prove to be very lucrative. This can be risky, however, as the company's long-term potential is still unknown. A company that pays out 100% or more of its earnings as dividends might seem like a good investment, but, in fact, this may be a sign that a company's financial health is unstable. A payout ratio of 100% or greater means that a company is paying out more money to its investors than it is earning. In other words, it's losing money by paying its investors. Because this practice is often unsustainable, this can be a sign that a significant reduction in the payout ratio is coming. There are exceptions to this trend. Established companies with high potential for future growth can sometimes get away with offering payout ratios over 100%. For instance, in 2011 AT&T paid about $1.75 in dividends per share and only earned about $0.77 per share. That was a payout ratio of over 200%. However, because the company's estimated earnings per share in 2012 and 2013 were both well over $2 per share, the short-term inability to sustain its dividend payouts did not impact the company's long-term financial outlook.
A:
Account for special, one-time dividends. Use dividend payout ratios to compare investments. Pick high ratios for steady income and low ones for growth potential. Beware very high dividend payout ratios.