One thousand, nine hundred twenty-eight and seven hundredths.
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23.8 is a number, so it is already written that way. To write it in words would be twenty-three point eight.
To write 41.50 in words, you would write "forty-one and fifty hundredths." This breaks down the number into its whole number and decimal parts, with "forty-one" representing the whole number 41 and "fifty hundredths" representing the decimal 0.50.
12.9 IS a decimal number. It is twelve and nine tenths.
To write 0.049 in words, you would say "zero point zero four nine." This represents the decimal number 0.049 as a verbal expression.
To write 0.053 in words, you would say "zero point zero five three." This represents the decimal number 0.053 as a verbal expression.