There are exceptions but read her website to make sure. Most prefer to be contacted by email first.  

And yes, same rules apply for phones, especially for someone new. Dont ever mention $ in exchange for any sexual act. You'll proly get hung up on and placed on her DNS (do not see) list.

Some women will allow more explicit convo by phone if you have been verified but I would avoid that as a newbie too.

....before meeting them.  After I have screened the gentleman, I ask him to call me, just to say hello.  One can often tell a lot about a person by his phone demeanor.  I use this conversation to ask what he might enjoy drinking, music he likes, etc.  

   Scott, you are asking a lot of good questions!

Hugs and Kisses,
Kelly

Money for services by either you or her it should be a red flag NEVER talk about money for sex, that's prostitution and prostituion is illegal.