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I always do 50% up front with new clients, especially on larger jobs. If someone isn't ok with that, they can find themselves another programmer.
You have to realize we need to protect ourselves too. If i quote someone $1500 on a coding job, I view the deposit as their commitment that I am the one doing the job. Otherwise what if I finish half the project, and they suddenly decide that they want to go with another guy who quotes less?
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