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Same here, although occasionally the customer will sign and return the quote via email.

The signature at the bottom binds their agreement to the proposal and it's converted to a job. Rarely does it need to be more "binding" and rarely do I actually get a signed quote back. Actually on that quote, they had me sign since it was for a community college. They issued a PO and away we...

It should go at the proposal, not handed over without conversation. Hourly rates without a production metric are worthless and people who only look at the hourly rate are about the same. While looking at the work I may point out a tree/stump/whatever and say this would take x amount of time...

I agree. Payment terms are negotiable. I don't mind financing a job on my terms, which vary by customer. I too don't mind a clear cut bid, or we can do hourly work. Usually it boils down to simple classifications: Laborer, Equipment Operator, and any specialty items. Laborer includes...