Twist Agency/Cara McGinnis never stop working, I pride myself in almost, always being available, if only I could answer the phone in my sleep (invention coming soon most likely) . I prefer to handle the initial meeting through phone or Skype. Once I gather the necessary information, I would like to keep all work communication through email so that everything documented.
I take 50% payment up front and the rest of the 50% upon completion of the project, only if it's a project by project contract. With a retainer fee, I require payment due by the 5th of each month. All late payments will incur 10% fees for every day after the 5th.