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You may be leaving some money on the table, but I prefer to know my market, price is fairly, and have prospective buyers contact me, rather than lose the majority because they - understandably - didn't want to bother contacting me for a rate sheet - and sales pitch.
The Internet is very competitive. Just like selling a product... the more restrictions you put in front of a prospective client, the less income you will make.
When someone inquires about advertising with me, I give them a price quote based on my posted rates, but then I throw in a bunch of freebees to really make it worth their while.
Its a specific niche market and narrow type of advertiser they attract and in many cases they will be in contact with advertisers anyhow through other channels of communication.
Different strokes for different folks.
but snoopy competition will just gloss over it
If your competition is paying that little attention, then you don't need to worry about them. :)
When I look to advertise on a site, I expect a basic rate sheet for the most obvious advertising opportunity. I also hope that when I am on the phone with them after a successful month or two later and want to do more advertising, they will have other opportunities available that maybe aren't quoted online. :)