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It's good to rant.
I have not been ripped of for a long time now, but that's because I learnt from my mistakes. I do as much of my own programming and design as I can, anything else I don't just rely on one person, I use different people for different projects, so if I am let down I have a fallback.
When it comes to designs. I always get different designers to do different things, and won't get one doing all my design constantly. I won't pay upfront out of principal, by paying up front I am opening myself up to being let down in the future. No matter how good someone is today and how reliable, theres nothing to say they will be reliable in 6 months time. Anyone that asks for payment up front is a risk, if you don't know the person then 50% is fair.
I won't use Paypal either for payments, as its the only payment processor that even if you are right they can find in the other persons favour. In fact I have only ever had issues when accepting paypal in the past.
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