Business tips for a 16 year old web designer?

Thank you all very much - it's really helpful.
I've deleted my social links, however I will not lie about my age if asked.

Can someone compile me a template for a message I could send to the many websites in my area that have websites maximized for Netscape Navigator version 1? I want to inform them that their website is lacking, but I don't want to be offensive.

Also, how should I bill my clients? I was thinking of sending them paypal requests for money through my father's account, but do I need anything more than this? Invoices? Client area on my website? How do I make an invoice or similar documents if I need them?

Thanks again.