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I've done 50/50, 100% upfront, 100% on completion.
Usually (and I'm generalizing here) people who have no problem paying a retainer are 10 times easier to deal with in a long run.
With people that I've a long working relationship with I just do the work and invoice twice a month and everyone's happy.
But there's no way I'm lifting a finger on promises of someone who says they'll pay me sometime in the future if I do this 30-hour project for them. There's not enough hours in the day to deal with that shit.
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