What I've gathered from reading here and there concerning creatine is this:
1) There are 2 phases; the loading phase and the after-loading phase.
2) The loading phase lasts for 5 to 7 days during which you consume about 20 g of creatine in a day.
3) During the loading phase, there are 2 ways of consuming creatine; 4 servings of 5g or 2 servings of 10g (I prefer to consume 10g first thing in the morning with glucolin and then another 10g post workout also with glucolin)
4) Upon completion of your loading phase, take 10g of creatine everyday (On workout days, take it post workout. On non-workout days, first thing in the morning)
5) I would do this for 2 months and then stop for a month and then continue with the loading phase once more and the cycle goes on and on.
6) Consumption of creatine with fast-acting carbs is essential to cause an insulin spike so that the creatine would be quickly carried to your muscles.
7) About 30 minutes after consuming creatine with fast-acting carbs, consume whey (same thing goes for your morning shake).
8) About an hour after that, have your solid meal.
*Some articles recommend taking creatine pre and post workout but I don't know why creatine is needed pre workout so...meh..
** It is also possible to do without the loading phase but research has shown that those who choose to load have better gains (not sure in what sense but it could be strength or lean mass)
Hope this helps a lil'.

good info bro...would like to add something...