> When I 1st started contracting I had a hard time saying my rate out load....

Yea, same here. But, I'm almost too busy now, so maybe it's time to 
raise rates a little bit. I don't back down on them for anybody.

I now do most jobs in phases:

1. Meet with client and work out site map and site functionality
2. Draw up a detailed contract specifying deadlines for things and
    whom is supplying what.

Two things I'm always careful about:

a. Client is responsible for delivering *all* content to me by a
    specified date or that voids my "complete" deadline.

b. I do a very detailed site map listing all features. If they try
    to sneak a single additional feature in after development has
    started, then it's an *addition*, is billed additionally and
    adds additional time to the "complete" date.

3.Once all the above is approved, I get a partial payment
   (usually 1/3rd) before I do anything else. Until I get this
   payment, they're not going to see a single layout, because
   I had a client walk with my layouts, call me on the phone and
   go "we've decided to try something else", and then *use* the
   layouts for their site anyway. The partial payment is always
   enough to cover the initial graphic design.

4. From there I plow into the site/application structure, CSS and
    all that other good stuff. At some point in the process, defined
    in the contract, I get another payment.

5. After it's all finished, unless it's a client I've worked with
    before and trust, it doesn't go live until I'm paid in full.

I've only been ripped off once in the last 10 years - and I manged to 
sell the site in question to somebody else, so the system is working 
pretty good in my opinion.

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