Hi guys, This year wasn't been nice to me. I was scammed by one , another one have paypal problem and trying using Western Union, another one that doesn't return (after I ask a doc with his ideas). All are new clients that joined at yoyoforums in this year. After 7 years as freelancer, is look like that I need improve my payment methods: ---> Normaly I charge after 10 hours of work. But would be different in the first payment with a new client ? Like some advanced hours paid or something similar ? ---> Instead asking for doc for the client's ideas, should I do my own doc , keeping asking/guessing what he desires (an it being considered part of the paid job) ? Because some clients appears to be exclusive in "money part" and any game design work can scare off them. And you guys ? Which payment approach do you use ? Or which bad histories did you overcome in the business ?