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There has been lots of discussion here about contracts and payments - what I have been doing recently is taking $300 down when the contract is signed -this is for the photo shoot(s) only. Then after a reference is decided on they pay half.
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Kim as I was told... you are not a photographer! 30 to 40% down at contract, so you get bigger bucks for your composition, sketches and photo's!
Glad you resolved this, it could get you lots of business aye?