3. THE FINANCIAL CHARGE
Charges range from $126 to $145 per 75-minute lesson depending on several variable. Our Contract found at www.JodaCollins.com, Agreement page, Section Six clarifies charges in great detail. Or just call and ask.
All prices quoted are "non-credit card" prices. If you use Visa or MasterCard please re-add the "non-credit card discount" by increasing the total by 10%. To calculate 10% multiply the discounted total by 1.1111112. Thank you for understanding.
Drivers who avail themselves to all of the financial benefits we offer can safe up to 70% on driver's training expense. Do the self-study, turn in the written work as asked, read and contemplate on the Progress Reports you will get, memorize the things we give you to memorize, ask questions via email between lessons, and reduce your training expense up to 70%. This is not the same thing as paying 70% less per lesson.
We do not use PayPal. PayPal is just another third party to pay and just increases my expense and your charge. All expenses are passed on to clients.
When using Visa or MasterCard we collect that information from you in a secure fashion that we will clarify at your request.
There are various courses and various financial options within each course. The first lesson is $140 for weekdays, $145 for Saturdays which includes a 10% discount for not using Visa or MasterCard. If you are using Visa or MasterCard please notify us immediately. All discounts and rebates are retroactive to the first lesson. Before you pay for lesson two, or before if you so request, all charges will be clarified to you to the penny.
I do not negotiate my charges. Everyone pays the same rate. That way, I can honestly and with integrity say that I am not charging one person more than another person. Please do not try to dicker with me for a lower price. I am not selling a used car. I am providing a valuable life-saving service. If you do not feel my services are worth the charge, then do not do business with me. Pretty simple. Please do not expect me to compromise my business integrity by asking for more discounts, rebates or more free services than I offer to everyone else. Please do not ask me to give to you as a courtesy what others have the courtesy not ask for. I give a way a lot. I give away enough. I cannot give away more and stay in business. Thank you for your consideration.
4. HOW LONG DOES THE TRAINING TAKE?
Completion is based on the number of hours behind-the-wheel if your goal is a specific number of training hours or the ability to perform the driving skills you stated at the start of your training that you desired to accomplish. A combination of commonly desired driving skills has been combined to form standard "Courses" which you can view on our Course page.
Each driver is unique. After the first driving lesson, I will be able to provide a non-b binding estimate (educated guess) of how many more lessons, if any, I think will be needed to reach your expressed driving goals. I am pretty good at this, but there are a lot of variables I have over which i have no control.
5. IS GRADUATION GUARANTEED IN THE SUGGESTED TIME FRAME FOR EACH SPECIFIC COURSE?
No, because graduation is based on driving skill not time behind the wheel. For example, a four-year college degree is not guaranteed in four-years from the date the student takes his or her first class.
Most students graduate the course with an A, B, C or D grade in the designated time frame of the course. However, some fail.
The reason some fail is that they do not get sufficient mastery of the course material to "pass" the course. However, the course time is sufficient for the average student with average devotion to task to pass.
Most pass in the time frame designated in the course they qualify for. Course time estimates are based on the prerequisite courses. For example, a four-year college degree (Bachelor's Degree) takes 16-years of training (K through 16) not four years.
6. LIMITED CONDITIONAL GUARANTEE OF PROGRESS
Drivers who do all of the following usually complete their training in half the time that drivers who do none of the following require:
A. By the start of lesson one memorize the following five words in consecutive order, "ahead, behind, mirror, shoulder, signal."
B. At the start of lesson one, turn in the written work for no less than 10-pages of reading or four hours of devoted reading (whichever is less) in the Workbook
C. At the start of every lesson beginning with lesson two, turn in the written work for 30-pages of reading or four hours of devoted reading (whichever is less) in the Workbook.
D. Memorizes the steps for parking and three-point turn on your own time rather than use behind-the-wheel time for memory work. One student memorized the steps for parking and three-point turn in 30-minutes. One student said it took him nine hours. A few told me it was impossible for them to memorize yet each had memorized their name, addresses, telephone number and a host of other things such as locker combination, operating procedures for computers and cell phone, driving routes to and from school and more. It is human nature to say "I can't" instead of "I don't want to." Most students tell me it takes about 2.5 hours to memorize the steps for parking and three-point turn. It takes most students two lessons 75-minute lessons to memorize the steps for parking and three-point turn during paid training.
E. Be able to do hand-over-hand steering by the end of lesson two if taking three or more lessons.
F. On the first lesson, if you ask me to, I will show you parking and three-point turn and quote the steps as I show you parking and three point turn. That visual will help you memorize the steps.
Drivers who cannot memorize, think they cannot memorize or opt not to memorize the steps for parking and three point turn on their own time for FREE are invited to memorize the steps during paid driving time.
The fastest I have ever had a student memorize the steps for parking and three-point turn during paid driving time was 20-minutes. The longest was five 75-minute driving sessions. On average it takes about two 75-minute driving sessions (2.5 hours) for a driver to memorize the steps for parking and three-point turn during paid driving time.
Most students who memorize the steps on their own time for free just need to go through the motions of parking and three point turn only once or twice to become proficient at parking and the three-point turn.
G. Read each evaluation (sent via email) and return it via email with the word "Read" typed in the subject line or as the first word in the text. Do so not later than the start of the next lesson as evidence of reading it so I don't take the first five or 10 minutes of your driving time covering it
7. WHAT IS DEFENSIVE DRIVING?
Defensive driving is driving in a manner that keeps you from becoming involved in the crashes that crash-prone drivers create.
Defensive driving is gracefully preparing for and pre-acting to possible driving dangers using 23 specific driving techniques rather than frantically reacting at the last split second in an untrained and unsafe manner to fully developed dangers.
Defensive driving is the opposite of "aggressive driving." Aggressive drivers do not show consideration for others on the road, do not yield their rights or their time in order to avoid crashing or make allowances for the poor driving habits of others.
The difference between an accident and a crash is that a crash is avoidable. An accident is unavoidable. There are very few driving accidents. Almost all damage to property and life, and all loss of life on the roadways are easily avoidable if any one of the drivers is a defensive driver. In most cases, it takes two drivers who are untrained in defensive driving skills to have one crash.
It is wise to be that defensive driver, rather than hope that all other drivers on the road you share are skilled? (Few are!)
Defensive driving is the opposite of "automatic" driving. The automatic driver travels with his vehicle in "drive" but his mind in "neutral." A defensive driver drives with his/her mind operating to identify and respond to driving dangers BEFORE those dangers fully develop.
Defensive driving is the opposite of "tunnel vision driving" (looking only straight ahead). Defensive drivers know the conditions of their driving environment at all times and in every direction.
Like all learning, it is only after one acquires the skills that one can really appreciate those skills. The only individuals that feel acquiring defensive driving skills are unimportant are those that do not know defensive driving skills. Ignorance has a voice. It is always critical of and condescending towards knowledge.
I have never met an individual that has graduated a defensive driving course who states that learning defensive driving skills was a waste of time or money. Neither have you!!! Only those who are ignorant about defensive driving skills belittle or decry defensive driving education/training.
8. THE DEFINITION OF A BEHIND THE WHEEL LESSON.
All driving sessions are 75-minutes in length except for the first lesson which may last 90-minutes and, if so, there is no additional charge. Here is the process for training. I tell you what to do and give you a chance or two to do it. If you cannot do it, I do not continue to let you break the law and/or endanger our safety by letting you do it wrong over and over. I show you how to do it and give you another chance or two to do it. If you cannot do it, I show you again, and so on. It is dangerous, stupid and illegal to expect a driver to learn to do it correctly by doing it wrong time after time after time.
9. DO WE PROVIDE A VEHICLE FOR TAKING THE STATE EXAM?
Yes, we can provide the vehicle for taking the State exam. We must be assured that a driver can drive safely before we allow a driver to use our car for his or her State exam. This requires one 75-minute lesson to make that determination.
More and necessary details are found at www.JodaCollins.com, Agreement Page, right column, pink print.
10. DO WE PROVIDE THE VEHICLE FOR TRAINING?
Yes. However, you can use your vehicle if you sign a waiver and assume all financial responsibility/liability. It is, however, better to use your vehicle for the parking and three-point turn training for reasons which are clarified at www.JodaCollins.com, Agreement page, left column, colored print.
11. DO WE PROVIDE DOOR-TO- DOOR SERVICE?
Yes, we provide weekday door-to-door pick-up for about half the charge of a taxi (one dollar and sixty cents per round trip mile) from a start location of 4033 Buttonbush Dr., Milton 32583. This is about 80% of the actual cost for us to provide this service. We make no profit on door to door service.
When we are able to provide door to door service on Saturday, we may 10% profit on that service. Our charge is $2 per round trip mile. Saturdays fill up first and fastest. It does not make good business sense to spend any part of Saturday working for 80% of expenses providing door to door service when we can fill the day with driving lessons and no door to door service. Most of the time we do not provided door to door service on Saturdays.
Within the State of Florida, I serve a 60-mile radius from Pensacola as long as within the State of Florida.
12. DO WE SERVE ALABAMA?
We can pick you up and drive you across the Florida line, train you in Florida and drive you back to your home in Alabama.
13. WHAT I DO
Telling a driver the truth about his driving allows me to good word a driver who does well and opens the door for me to help a driver with driving needs. I cannot help a driver become a better driver if I do not identify driving flaws.
I teach everyone who is able to learn including those with handicaps of all and every kind.
A. New drivers to pass their Florida State Licensing Test.
B. Twelve safe driving skills that keep the driver from causing crashes.
C. Twenty-three defensive driving techniques that help people drive crash-free even when driving among poor drivers and in bad weather.
D. How to drive citation-free for life.
E. Experienced and new drivers to be safer by teaching defensive driving skills.
F. People from other countries; those whose first language is not English.
G. Drivers with handicaps.
H. Those ordered by the Court system to satisfy court-ordered remedial behind-the-wheel driver’s training.
I. I provide validation of graduation for insurance companies that offer discounts for drivers that successfully complete a behind-the-wheel driving course/training.
J. I provide evaluations" to determine if a driver is "safe behind-the-wheel."
14. WHAT I DO NOT DO.
A It does you no favor if I lie to you about your driving needs and it robs you of the joy of recognizing your progress. Lying about your driving ability in order to keep from hurting your feelings can make a driver over-confident behind-the-wheel and cost that driver his or her life. I will not do it. If you cannot handle constructive criticism or appreciate wise advise, you are too immature to be entrusted with a vehicle that can cripple or kill in a split second of a wrong decision. Driving is not for children or childlike adults.
B. I do not refund money for lessons already taken or started. I quit doing that when I had a student-driver whose grandfather demanded a full refund of $630 because at the end of the training, he said she had not progress enough to satisfy him (even though her progress was well in line with the average progress of the average student and she was in all ways an average student). I refunded the money. When I told him I would refund this money, he broke out in laughter.
A few weeks later I got a call from a mother. Her last name was the same as the last name of grandfather and student driver that received a full refund. After three lessons, the mother asked if she could ride for one lesson. Foolishly, I allowed it. After that lesson the mother said she did not like me or my teaching style. I ended up refunding half of their money paid. I can't help but think I was set up for this by the sociopath grandfather. I will not refund any more money for lessons already taken. If you are unhappy for any reason, stop the training immediately and I will refund any unused part of that lesson on a per minute basis and any unused advanced payments. No more.
So, now I simply do not refund money for completed lessons any more than the gas station will refund your money for a consumed tank of gas. Evaluate the progress of the driver between each lesson and if unhappy, quit.
Take I-10 East over the Escambia Bay Bridge. Take your second exit (#26). Turn left at first stop sign. The Shell Station is immediately on your right.
Take Highway 90 towards Milton.Turn right on Avalon Blvd (at the PJC entrance). Take Interstate 10 East, take first exit (#26). Turn left at the first stop sign. The Shell Station is the first building on your right.
From Milton (near I-10)
The Shell Station on the North Side of I-10 at Exit 26.
MOST ASKED QUESTIONS/ANSWERS
This Section applies only to drivers/clients using Contract #6 as found at www.JodaCollins.com,Agreement Page,Right Column.
1. How much does the training cost?
Each lesson comes with 10 to 30-pages of Optional reading. Those who do the reading progress about twice as fast and, therefore, about half the expense. Charges range from $126 to $145 per 75-minute driving lesson depending on how many lessons are taken and/or how many scheduled lessons are paid for in advance and if the lessons are on a weekday or a Saturday. These charges include a 5% discount for not using Visa or MasterCard. Packages/benefits are available to further reduce your expense.
2. Where is the start location?
We serve Escambia and Santa Rosa Counties. Our Office is centered between the East and West reaches of those two counties in miles and centered North and South by population.
Door-to-door service is provided on weekdays for $2 per round trip mile Tuesday through Friday from very near Interstate 10 at Exit 26, Milton 32583. Provide your start location address and we will tell you the door-to-door charge or you can go to www.mapquest.com and use start location 4033 Buttonbush Dr., Milton, FL 32583.
If you are NOT using door-to-door service, the start location is 3804 Garcon Point Road, Milton 32583 which is less than one-tenth of one mile from the Intersection of Interstate 10 at Exit 26, Milton (six miles East of Pensacola, the second exit after crossing the Escambia Bay Bridge).
3. What are the available training times?
Unless otherwise directed in writing, training is 10am to 10pm Tuesday through Saturday. Each lesson is one-hour and 15-minutes.
Unless otherwise directed in writing, we usually we suggest you schedule only the first lesson. You can use the scheduling calendar at your left or call 850 981-3355. At the end of that lesson I (Joda Collins) will tell you how many more lessons, if any, I think you will need to reach whatever skill level you desire. You will pay full price (no discount) for the first lesson. Any discounts will be retroactive to the first lesson and paid to you in the form of a rebate at the start of the last paid for lesson.
4. Is there a contract or working agreement?
Yes. You can read it at this web site on the Agreement page. Go to the top right section of this page and click or tap "Agreement". Find the Contact that fits your situation. Question? Just ask.
5. TO SCHEDULE A LESSON
If you have a signed and/or agreed on Service Agreement with us you can select your driving/training date and time from the list to your left. Follow directions. Or, call 850 981-3355 to schedule.
I am a member of the Better Business Bureau. My business is Client-based and Driver-based. If you are ever less than happy with me or my service, tell me before you tell anyone else and I will do everything in my power to make you happy. If you are the kind of person who will tell others something negative about me or my business without giving me a chance to make you happy first, then please do not do business with me. I can not resolve a difficulty if I do not know it exists! The only thing I will not do is reduce my charges because it is hard to make a living with a driving school and I am worth every penny you will spend. I do all the training and I am very good at it. Not bragging, just a fact. I've drove bob-tail truck for 10-years, package delivery truck for UPS, 18-wheeler, 27-foot motor home with vehicle tow and as a chauffeur. You will get more than your monies worth. Everyone does.
1. Business Procedure: Call (850 981-3355) or email us (firstname.lastname@example.org). If we are out of the office, we have a automated telephone answering secretary that answers 90% of the questions anyone could ask about our business in about six minutes. After, before or instead of following prompts one through nine feel free to call and press zero or email and inquire.
2. Contract: We do not schedule service without an agreed on Service Contract. Otherwise, we are obligated to everything you want or think we should provide and you are obligated to nothing we want or assume you should do. That Contract is found at http://www.jodacollins.com/agreement.html , Section Six (for most drivers). Or, we can send it to you as an attachment to or in the body of an email, through the mail (US Postal Service) or read it and clarify it to you on the phone. We try to handle all inquires over the phone or via email in order to save money. All expense eventually filter to those we serve. However, if our best efforts to answer your questions are not satisfied via the phone, mail or email, we can meet you in our office (by appointment) and discuss and/or sign it there.
3. Scheduling: After signing and dropping the Contract in the mail, you can call 850 981-3355 to schedule or follow the scheduling directions on our Scheduling Page/Calendar found at www.JodaCollins.com .
1. All written training materials can be secured from us directly, ordered on line or provided as an attachment to an email. Just ask for details. Student-drivers who do the optional available reading progress about twice as fast and half the expense through training. This is not the same thing as 50% off of our charges. It is up to 50% less work for us and up to 50% less time for you to reach the same driving goal(s) or skill(s). Reading (self-study) is, however, not required to enroll in behind-the-wheel training. EXCLUSION: Drivers who only want to learn to steer, accelerate and brake will find no value in the reading material. Reading is for driving safety only, not for control of car in open spaces. 2. I teach parking and three-point turn for FREE to all enrolled students who memorize the steps, in whole or in part, before parking and three-point turn training. If you are interested in this FREE training, just ask for details. 3. Upon request, I provide a FREE written (email) Progress Report after each lesson.
How Long Does Training Take?
How long training takes depends on the kind of training you desire. Some desire only X number of minutes or hours to satisfy insurance companies requirements for insurance discounts. In that case, the training takes the exact number of minutes or hours your insurance provider requires. If you are interested in reaching a certain skill level, the harder you work the faster you progress.
Each lesson is one-hour and 15-minutes. For drivers who are seeking a specific degree of driving skill, once a driver is able to drive between the lines of his or her lane and make safe and legal right turns using proper steering from through, turn and deceleration lanes, I can teach most average drivers with no learning disabilities to:
1. Pass the State Driving Exam in one driving lesson.
2. Be a reasonably safe driver among other reasonably safe driver using 12 General Safety Skills in three to six additional 75-minute lessons.
3. Be a reasonably safe driver among crash-prone drivers employing 23 Defensive Driving Techniques in three to seven additional 75-minute lessons.
Obviously, the more-skilled a driver wants to be the more training a driver will need. After the first lesson I will give you an estimate of how many more lessons it will take, if any, for you to reach your driving goal(s) IF and only IF client is the driver and/or IF and only IF client (who is not the driver) rides for the first lesson otherwise how can the Client rightly know the value of each lesson that follows and if the Request Form is completed.
After the first lesson I will tell you personally or by email the same day (before midnight) how many more lessons, if any, I think you will need to reach whatever driving skill level you desire if you fill out the Information Form I provide. My estimate will be higher than yours because I teach more skills than most people know and my definition of "good" or "safe" or "safe-enough" will not be the same as yours. When the driver reaches his/her standard/goals, quit training.
Note: I define an average student-driver as one who reads English at a 9th grade level, is motivated to learn, will do three hours of self-study between lessons, remembers the major rules of the road from his or her written exam study, has normal IQ and has no mental, emotional or learning disabilities.
1. A lesson can begin and end any place you desire in the State of Florida.
2. For no pick-up fee lessons start/end at 3804 Garcon Point, Milton. This is near Exit 26 at Interstate 10, Milton.
Specific directions to the start location for the first lesson will be provided to you upon request or you can find it using www.mapquest.com and the address 3804 Garcon Point Road, Milton 32583. Also, see immediately below.
My Commitment to You!
FREQUENTLY ASKED QUESTIONS
Below each question is the shortest answer I can provide. To learn more read the item with the same number in the center and right column.
I (Joda Collins) do NOT staff my office with a secretary or anyone else to answer the phone during all business hours because it is very hard to make a living with a driving school and keep the office staffed ten hours per day. Paying a full time secretary almost guarantees insufficient operating funds to keep a small driving school in this area open. If someone is in the office, we will answer the phone. If no one is in the office and anticipate being away from the phone for more than two hours, we make every effort to return calls within two hours.
I (Joda Collins) put the driver behind the wheel for one driving lesson. A lesson is one hour and 15-minutes unless otherwise arranged. At the end of that training I will tell you how many more lessons, if any, I think the driver will need to reach whatever driving goal or goals you tell me that you are seeking if you fill out a form I give you.
There are four major Courses.
1. Experience Only.
2. Pass the State Exam Only
3. Generally Safety Course (reasonably safe among other reasonably safe drivers).
4. Defensive Driver (reasonably safe among crash-prone drivers).
Each lesson comes with between 10 and 30-pages of reading. Drivers who do the reading will usually progress through training twice as fast, therefore, at half the expense. That is because I do not have to stop the car and explain a lot of things to the driver because he or she has read the information, therefore, the driver gets more driving time with the car moving and has a better and clearer understanding of the driving techniques.
I teach Tuesday through Saturday 10am to 10pm. Each lesson is 75-minutes and each lesson ranges from $126 to $140 depending on how many lessons are taken, how many lessons are paid for by the start of lesson two and if lessons are on a weekday or a Saturday. The first lesson is $140 for a weekday or $145 for a Saturday training.
We accept cash, check, money order, cashier's check, Visa and MasterCard. However, all of the prices quoted contain a 10% discount for not using credit.
Drivers are required to have a permit or a license before taking behind-the-wheel training.
1. HOW DOES TRAINING WORK?
The first lesson (75 to 90-minutes) is a training session, followed by a brief verbal evaluation and an estimate (if you fill out the paper I give you) of how many more lessons (if any) it will take (in my estimation) to reach your expressed driving goals.
2. IS A LEARNER'S PERMIT OR DRIVERS LICENSE IS REQUIRED?
3. THE CHARGE ranges between $126 and $145 per 75-minute driving session depending on several factors including a 10% discount for not using Visa or MasterCard Credit card. If using VISA or MasterCard please advise us immediately. See #3 in column to the right for more details.
4. HOW LONG DOES THE TRAINING TAKE?
If your driving goal is a certain number of hours, then your goal can be measured and predicted. If your goal is a certain degree of driving skill reflecting driving safety, then the time it takes to reach your driving goal will depend on the speed of your progress. If you fill out the Information Form I give you, after the first lesson I will tell you how many more lessons I think will be needed for driver to reach his or her driving safety goal.
5. THE ESTIMATE OF PROGRESS IS NOT GUARANTEED BECAUSE THERE ARE TOO MANY VARIABLES THAT ARE OUT OF MY CONTROL.
6. NON-BINDING ESTIMATE OF PROGRESS.
At the end of the first lesson (if you fill out the Information Form) I tell you how many more lessons I think it will take, if any, for the driver to reach his or her driving goals. See #6 in the column to the right for more details.
7. WHAT IS DEFENSIVE DRIVING?
Defensive driving is driving in a manner where crash-prone drivers do not involve you in their crashes. See #7 in the column to the right for more details.
8. THE DEFINITION OF A BEHIND-THE-WHEEL LESSON.
Seventy-five minutes of training with as much of that time devoted to the student-driver behind-the-wheel as possible. See #8 in the column to the right for more details.
9. DO WE PROVIDE A VEHICLE FOR TAKING THE STATE EXAM?
We will rent you our vehicle for your personal use (to take the State exam) under specific conditions. See #9 in the column to the right for more details.
10. WE PROVIDE THE VEHICLE FOR TRAINING, however, we can use your insured and road-worthy vehicle if you sign a liability waiver assuming all liability. See #10 in the column to the right for more details.
11. WE PROVIDE DOOR-TO-DOOR SERVICE FOR ESCAMBIA AND SANTA ROSA COUNTIES FOR SLIGHTLY LESS THAN ONE-HALF THE COST OF A TAXI AND CONSIDERABLY LESS THAN UBER.
Go to http://www.mapquest.com/. Click on "Directions." Enter 32583 in the "A" box and your address in the "B" box. Round the miles and tenths of miles to the nearest mile. Multiply the number of miles by $3.30 for weekday training and $4 for Saturday training. That is a very close estimate. Or call 850 981-3355 for an estimate. See #11 in the column to the right for more details.
12. WE DO SERVE PARTS OF ALABAMA?
Yes. See #12 in the center column for more details.
13. WHAT I (Joda Collins) DO.
I tell the truth about your driving progress and do my best to help you reach your driving goals. See #13 in the center column for more details.
14. WHAT I DO NOT DO.
I do not lie about your driving progress or reduce my prices. I do not refund money for lessons already completed, started or not cancelled in time, according to the Contact. See #14 in the center column for more details.
15. ARE CAREFUL DRIVERS SAFE?
Careful drivers are reasonably safe among other careful drivers. Only Defensive Drivers are reasonably safe among poor drivers. See #15 in far right column for details.
16. BRIEF BREAK
If a break is taken for safety, that is part of the training. If a break is taken for any other reason other than a safety break, additional time to cover the break will be added to that lesson. Also, I only teach for 45 minutes between the hours of 2pm and 3pm. That 15 minute break will NOT be charged to you. See #16 in the far right column for details
17. CAN PARENTS OR SPOUSES RIDE DURING TRAINING?
Yes. Parents and spouses are welcome and invited to ride along for the first lesson only if we are using the Academy vehicle. If the training is not being done in the Academy vehicle the vehicle owner decides who can and cannot ride since the vehicle owner is assuming all liability. The crash rate with someone in the back seat is almost 250% greater and there are other innate problems that often arise when someone is in the back seat. Therefore, there is a three-minute speech all riders have to listen to before riding. Safety first. If you feel you must ride in the Academy vehicle during training beyond lesson one, talk to me about it and I will see what I can do to accommodate your request. Anyone can follow us to see the training from the outside of our vehicle. Up to 24 hours before your lesson start, I will provide any client (parent, spouse, etc.) a free 10-minute driving session with client behind-the-wheel to get an idea of my teaching ability.
18. HOURS OF OPERATION (Training)
10am to 10pm, Tuesday through Saturday. Closed Sunday. Monday is paperwork day. See #18 in the column to the far right for more details.
19. YOUR INSURANCE MAY BE LESS IF YOU TAKE BEHIND-THE-WHEEL TRAINING FROM A STATE LICENSED DRIVING SCHOOL. My Driving Academy is State Licensed. See #18 in the far right column for more details.
20. WHAT HAPPENS IF WE CANNOT "GET ALONG"?
If we cannot work together with a reasonable degree of harmony and mutual respect, we part friends, if possible. But, we part. Life is too short to do otherwise. If you quit early I will not charge you for lessons not taken if canceled in a timely manner and in accord with your Contract. If I quit early, I will not refund money to you for lessons completed otherwise all a person would have to do is consistently irritate me on purpose until I quit and have to refund all money. See #20 in the column to the far right for more details.
21. STATE EXAMINATION INFORMATION
Ask and I will tell you what is required to pass the State Exam. See #21 in the column to the far right for more details.
22. THE FINANCIAL VALUE OF SELF-STUDY
Driver can do self-study in conjunction with their behind-the-wheel training. Most students who do the self-study progress up to twice as fast in training compared to drivers who do not do the self-study. This is a 50% savings. Self-study is not required, however. I am not negative at being paid twice as much. See #22 in the far right column for more details.
23. DRIVING AT NIGHT AND IN BAD WEATHER
The only way to learn to drive at night is to drive at night. The best way to learn to drive in bad weather, is to drive in bad weather. See #23 in the far right column for more details.
24. WHY IS THERE A CHARGE FOR DOOR TO DOOR SERVICE?
It costs me to provide door-to-door service. I do not add that cost to everyone to cover this expense, so I charge those that use the service about 90% of what it costs me to provide weekday door to door service and about 110% of what is costs me to provide door to door service on Saturdays (when and if Saturday door to door is available/offered). See #24 in the far right column for more details.
25. IS THERE A CONTRACT TO SIGN?
Yes. You can see it on this Web Page. Go to www.jodacollins.com, Agreement page, Section Six. We do not enter into a confirmed service without an agreed service Contract, otherwise, that obligates us to everything you think we ought to do and you to nothing. See #25 in the far right column.
26. I (Client and/or Driver) SIGNED THE WORKING AGREEMENT BUT I DID NOT READ IT. NOW THERE IS A PROBLEM BECAUSE I DID NOT KNOW SOMETHING I AM BEING HELD CONTRACTUALLY ACCOUNTABLE FOR. WHAT SHOULD I DO?
Talk with me (Joda Collins). We can probably resolve most issues. Let me try. See #26 in the far right column for more details.
27. I (Client and/or Driver) MISREAD THE WORKING AGREEMENT AND NOW THERE IS A PROBLEM BECAUSE I MISREAD IT. WHAT SHOULD I DO?
Talk with me (Joda Collins). We can probably resolve most issues. Let me try. See #27 in the far right column for more details.
28. WHERE ARE THE DRIVER LICENSES OFFICES?
At the tax office in your town. See #28 in the far right column for more details.
29. WHY ISN'T THE PHONE ALWAYS ANSWERED BY A LIVE PERSON?
My office is open for eight hours between 8am and 11pm Monday through Saturday. The open hours vary depending on the work load and the activity for the day, but we are seldom out the office for more than a two-hour increment of time. Under most conditions we return calls within two-hours.
30. FREE TRAINING (PARKING AND THREE POINT TURN)
We do not charge for parking and/or three point turn training, in whole or in part, if the following conditions are met as clarified in Item 29 in far right column.
Call 850 981-3355 or
For no door-to-door pick up fee the second and following lessons begin and end in the parking of the Dollar General Store that is immediately across the street from where the first lesson started. I will be in the first vehicle on your left as you enter the only parking lot entrance to this small business.
+7pnpThis is not a secure website meaning anyone can read everything on it, therefore, personal info cannot be entered on it (not an interactive website). Email (email@example.com) or, unless previously directed in writing not to use telephone to schedule, telephone (850 981-3355) and provided your requested dates.
AVAILABLE START DATES/TIMES
If you are required to take four-hours of training or lose your license (3 in 3 Program), select from times in green print only. otherwise use all times.
Wed, Nov 13, 10am, 1pm, 7:30pm
Thurs, Nov 14 1pm
Fri, Nov 15, Any start time between 10am & 4pm or 4pm and 8::45pm
Sat, Nov 16, 1:15pm, 4:30pm, 7:45pm
Wed, Nov 20, Anytime 10am to 4pm & 4pm to 8:45pm start time.
Every Tue &Thurs after Nov 20, 10am, 1pm,
Fri, Nov 22, Any start time 10am to 4pm, 4pm to 8:45pm
Wed, Nov 27, 10am, 1pm, 7:30pm
Every Wed after Nov 28, Any start time 10am to 4pm, 4pm to 8:45pm
Nov 20 thru 23: Tue thru Sat, any start time between 10am & 4pm or 4pm & 8pm.
Every Fri after Nov 28: Any start time between 10am & 4pm or 4pm & 8:45pm
Please read everything in this column before scheduling. Questions? Just ask via phone or email.
By request, lessons can begin 15-minutes before or 15-min after noted time.
75-minute weekday training is less money per lesson than Saturday training.
Must have permit 91 days to drive at night.
I stay busy this time of year about one week in advance.
WEATHER AND TIME OF DAY
1. The best way to learn to drive in the rain is to train in the rain.
2. Learn to drive at night by night time training. Must have permit 91 days to drive at night. Type in any search engine Sunset for Pensacola, FL to discover sunset for your selected day.
3. Caution: We do not reschedule lessons due to wind/rain unless there is a National Weather Advisory that predicts adverse weather will exist in Santa Rosa or Escambia Counties within three-hours of your lesson. A scary forecast is not a national weather advisory.
1. You can schedule a lesson to begin 15-minutes before or after any available time.
2. If you cannot find times that are good for you, let me know and I will see about adjusting the schedule of others to better accommodate you.
3. We give priority scheduling to email requests.
4. This web page is manually (not automatically) updated with each lesson scheduled so there is a slight chance of double scheduling. If this happens, we can only apologize and honor the first request. Our best attempts to find a program that can auto update our scheduling calendar continues to fail because we offer varied times.
5. All listed times are start times and each lesson is one-hour and 15-minutes unless otherwise stated in your Contact.
6. Unless otherwise stated in your Contract, weekday training is $5 per lesson less than Saturday training in an effort to free more Saturday time which fills up first and fastest.
7. I (Joda Collins) stay busy about three to seven days in advance.
8. The best learning curve for most students is two or three days per week with one or two days between lessons.
I do five things that help a student progress up to twice as fast (thus at half the expense) through training compared to other driving schools.
1. FREE written training materials that prepare a driver for each lesson in advance. Those who take advantage of this benefit progress up to twice as fast and at half the expense compared to those who do not do the reading.
2. FREE e-mail between each (almost all) lessons (starting with lesson two) clarifying drivers progress and needs.
3. FREE unlimited e-mail access to me and my office to answer any question a client and/or student-driver has.
4. I do not take time out of the driver's behind-the-wheel time to talk with interested parties. I will take my time to have a brief conversation about each lessons progress if requested, but do most of that information sharing via email for FREE.
5. I teach parking and three-point turn at no charge if driver memorizes the steps for parking and three point turn well enough to quote them on request and without hesitation on his or her own time for free rather than consume driving time to memorize the steps. Interested? Just ask for details.
Applying these benefits, my prices are competitive with or much less than any other reputable driving school in the USA.
Charges include a $30 schedule fee per lesson (even for lessons that are missed, canceled or rescheduled); along with tuition.
Each 75-minute lesson (including $30 Scheduling Service Fee) ranges from $126 to $162 depending on several factors.
There is a 10% discount for not using Visa or MasterCard.
Weekday training is $5 per lesson less than Saturday training.
Price reduction is provided for pre-paying for scheduled lessons.
A lesson is considered pre-scheduled if on our calendar by 7pm the night prior to lesson two.
Lessons are considered prepaid if paid for by the start of lesson two.
We only collect for lesson one at the start of lesson one.
End of training rebates are between zero and $14 per lesson depending on how many scheduled lessons are paid for by the start of lesson two. Full rebates are paid for weekday lessons and 50% for Saturday lessons if lessons are not missed. Rebates are paid at the start of the last paid lesson. We hesitate to schedule more than five lessons in advance.
We do not collect in advance for lessons not scheduled.
Five percent (5%) rebate for three to five scheduled weekday lessons (including lesson one) paid for by the start of lesson two retroactive to lesson one. This rebate is paid at the start of the last paid for lesson. Ten percent (10%) rebate for six or more scheduled weekday lessons (including lesson one) paid for by the start of lesson two (retroactive to lesson one) This rebate is paid for at the start of the last paid for lesson. The scheduling/reservation fee for every lesson is $30.00. This fee pays about 50% of what it cost us to schedule a lesson and reserve our vehicle and Mr. Collins time for you. The scheduling/reservation fee is due even if the lesson is missed or rescheduled because the scheduling/reservation expense does not disappear even if the lesson time and date appointment does disappear due to missing the lesson (including rescheduling) for an excellent or a combination of excellent reasons. The Scheduling/Reservation fee is not charging you for a driving session you missed, cancelled or rescheduled. It is charging you for our service to you to schedule that appointment and reserve our vehicle and Mr. Collins time for you. We extend the service of scheduling and reserving to you on credit (your word that you will pay whether or not you keep your appointment). Please be aware that the 5% or 10% rebate for prepaying for three or more lessons is quickly absorbed by missed lessons.
If you are looking for the best financial deal, schedule one weekday lesson, then schedule five weekday lessons after lesson one, pay for all five at the start of lesson two and do not miss or reschedule any lesson. If you will do these things you will be paying the price per lesson that was charged in 2009.
There is one exception. If you miss a lesson due to a national weather advisory that predicts adverse weather in Escambia or Santa Rosa Counties within three hours of your lesson, we do not charge you the $30 Scheduling/Reservation Fee.
Rebates for Saturday training are 50% of the rebates for weekday training because Saturdays fill up first and fastest, so Saturday times are more valuable.
Driving Lesson Duration
All driving lessons are 75-minutes in length unless otherwise noted or arranged.
I provide door-to-door service for about half the charge of a taxi and less than UBER. I arrive within one-minute of your scheduled time, rather than the 45-minute window offered by most taxi services. The charge is $1.60 per round trip mile from 4033 Buttonbush Dr., Milton, FL 32583. Door-to-door service is not cheap. However, it is about 60% of the price of taking a taxi an less than UBER. I charge about 90% of what it actually costs me to provide the service. I am a small business. I have only one car. One-hundred percent of my overhead has to be gleaned by the per mile and/or per minute use of my one car.
This photo is 11 years old, however
there remains a slight resemblance!
Driving directions to the start location for lesson two and following.
To check for available start times, read the left column.
Email your request to JodaCollins@aol.com or call 850 981-3355.
Behind-the-Wheel and Internet Training
INTRODUCTION. Steps are:
1. Please read the appropriate Contact (Working Agreement / Service Contract) found at the Agreement page of the Web site (Click on AGREEMENT in upper right corner of this page).
FIND YOUR CONTRACT NUMBER
Most people will use Contact #6.
State mandated drivers (3 in 3 Program) use Contract #7.
Keys to Independence/Embrace Family drivers use #9.
Vocational Rehabilitation Employees use Contact #10.
Vocational Rehabilitation Clients/Customers use Contract 11.
Questions? Just ask!
2. Then call 850 981-3355 or email JodaCollins@aol.com to request a paper copy of the Contract be sent to you via the US Postal Service.
3. Sign the Service Contact.
4. Put it in the mail along with your deposit, and
5. Immediately, if you want to, call us to schedule or schedule using times shown to your left.
The End of Introduction Section
HOW TO MAKE A CREDIT CARD PAYMENT USING VISA OR MASTERCARD CREDIT CARD (no debit cards accepted).
We accept your Visa or MasterCard information by phone, email, or a combination of both. A signed Service Contract is required BEFORE we can accept payment.
From Gulf Breeze (near the toll bridge)
Take the toll bridge towards Interstate 10. Take Interstate 10 East. Take the first exit (#26). Turn left at the stop sign. It is the first building on your right.
From Navarre and Gulf Breeze (near Hwy 87)
Take Hwy 87 North. Take I-10 East. Take Exit 26. Bear right at first intersection. Go under 1-10. It is the first building on your right.
Hello. My name is Joda Collins. Welcome! Thank you for taking a look at my web-site. If you have any questions, please feel free to contact me (850 981-3355) or email JodaCollins@aol.com.
My commitment to you is excellent service, excellent training and excellent training materials provided with a Client-centered and Driver-centered approach. If you feel I or my staff has failed to reach these high standards, please let us know immediately so we can refocus towards excellence from your point of view.
Lesson Start Locations
My Specialty and Business Structure
JODA COLLINS DRIVING ACADEMY
Better Business Bureau Member A+ Rating
15. ARE CAREFUL DRIVERS SAFE?
No. Only safe drivers are safe. Being careful is not the same as being safe. You cannot avoid crashing by being careful. A sky diver who jumps out of a plane without a parachute will not land safely if he falls carefully to the ground. A drunk is not safe because he drives carefully. You can only avoid crashes by driving defensively. Driving defensively is a skill. Being careful is the result of driving under the influence of an emotion. "Caring," is an emotion, not a skill. Bad drivers cannot be careful enough or caring enough to drive skillfully. Skillful driving is the result of training not the result of caring more. The result of valid caring is proper training not feeling good about driving poorly because the driver is being careful while driving poorly.
Only perfect practice makes perfect. Drivers who have bad driving habits but are care-full (filled with the emotion of caring) when they drive poorly are not safe.
Carefulness is not driver's training, but a state of mind. Giving an untrained driver the keys the car and telling that driver to, "be careful," is no different than giving him an loaded gun with no more training than the admonition to, "be careful." It is foolish and it is naive. It is deadly and expensive. One man told me that his son did not need driver's training because his son was a "careful driver." After two crashes and more than $1,500 in damages, he brought his son to me for driver's training.
16. BRIEF BREAK
In some cases, there is a two or three minute break for each lesson about half way through where the driver is able to rest his or her mind. It is part of the driving safely. This is an important safety factor. If there is a break for safety, the driving time will not extended. If, however, there is a break for any other reason, the driving time will extended so the driver does not lose behind-the-wheel time. If we are going to be more than five minutes late, I will call. I only teach 45 of the 60 minutes between 2pm and 3pm. If your driving time includes 2pm, please add 15-minutes to your lesson ending time. You will not be charged for that 15-minutes. Sometimes i will stop for gas, pick up a gallon of milk, to use the restroom, to make a business call that can't wait or just to catch my breath. If I do not set aside this time, I have often have to spend extra time driving back to a location between lessons and that takes more time; time that I do not have. If I have nothing that needs to be done or i am not near a place where it can be done, i will often teach that 15-minutes. If I do, there is still no charge for that 15-minutes.
17. CAN PARENTS (SPOUSES) RIDE DURING TRAINING?
If the training is in your car, then, of course you can ride in your car during training as you are assuming 100% of the liability when training in your car. I invite riders for the first lesson, only (in my vehicle). There are good reasons for this that I will share upon request.
If a rider is needed in my vehicle some specific reason, let me know the need and I will make a decision regarding someone in the back seat during training beyond lesson one.
The crash rate with a parent or spouse in the back seat is many times greater. Anyone can follow us to see the training from the outside of our vehicle. Upon request, I will provide any client (parent, spouse) a free 10-minute driving session with client behind-the-wheel to get an idea of my teaching ability.
18. HOURS OF OPERATION
The first lesson of the day can begin as early as 10am and the last driving session of the day can begin as late as 8:45pm, Tuesday through Saturday. If Monday is the only days you can train, I will try to make adjustments to meet your available time. Just ask.
19. INSURANCE DISCOUNTS
Some insurance providers give 5% to 15% discounts to drivers who driver's training. Some do not. Call your insurance provider to find out.
20. WHAT HAPPENS IF WE (YOU AND I) CANNOT GET ALONG?
So far, out of the total of about 4,000 people I have worked with in this business (student-drivers and clients), I have not gotten along with nine people.
A person has to work really hard at not getting along with me. Talk to me l like a human being and not a dog. Tell me what you want and if it is within my power and within any parameters of reason, I will do it. Tell me what you do not like about me and I won't do it again. Tell me what I can do to better please you and I will give it my best effort to do it. How much more could any person do? How much more could anyone expect from me?
If we cannot get along, we part company. However, I will not refund money paid for lessons already taken or already started.
I do not get along with narcissists, sociopaths or psychopaths because the only way to get along with them is to be their spittoon. I refuse. Life is too short to endure the ongoing discomfort of trying to work with people who are devoted to failure in that working relationship. If you have one of these fowl people in your life, go to http://www.lulu.com/shop/joda-collins/dealing-with-the-demonic/paperback/product-20198023.html
and get some help.
Eight of the nine people I could not get along with refused to read carefully the working agreement that they agreed to and then got upset with me because I did exactly what I said I would do in the working agreement or I expected them to do what the working agreement stated was their responsibility. One got upset because she could not understand the Contract nor understand my clarification of the Contract. If you refuse to read the Contact, please do not do business with me. If you struggle to read, I will read it to you. If you struggle to understand the words, I will donate as much time as you need for clarification. Just ask.
21. STATE EXAMINATION REQUIREMENTS TO SECURE A DRIVER'S LICENSE.
The requirements vary greatly depending on where you take your exam. Tell me where you are taking your exam and I will tell you the requirements.
22. THE FINANCIAL VALUE OF SELF-STUDY
Those who do the suggested self study progress about twice as fast through training compared to those who do none of the suggested self study.
Whether you do self-study or not makes no difference to me. However, why pay me money for necessary things you can learn on your own time for free!
I have invested about 1,400 hours in separating what can be learned about safe-defensive driving (and/or passing the State driving exam) from a book from what can only be learned about safe-defensive driving (and/or passing the State driving exam) behind-the-wheel.
I have a workbook that contains everything that can be learned about safe driving (and/or passing the State driving exam) from a book. Student-drivers that avail themselves to these printed resources spend, on average spend about half the time behind-the-wheel and learn the same driving skills as Student-drivers who do not read the printed material. I offer the reading material for free; however I do not beg a person to read it. Clients who would rather pay more to learn the reading material during paid driving time are welcome to do so without any objection from me.
23. DRIVING AT NIGHT
Some things about night time driving cannot be taught in the daylight. Everything about daylight driving can be taught after sundown. Drivers with a permit for more than 90-days can take lessons after sundown and will always be better prepared for all driving conditions than drivers that only train in the sunlight. I do not "promote" night driving beyond making this statement. If you desire a night driving session, let me know.
24. WHY IS THERE A CHARGE FOR DOOR-TO -DOOR SERVICE?
It costs money to drive my car and I get paid for my time. No driving school provides free door-to-door service. Either the expense for door-to-door service is added to the price of the driving lessons and spread across the expense to all clients or the clients that use door-to-door service are charged for that service. My policy is that I only charge those who use door-to-door service for the service.
Driving my car, paying myself a living wage and covering my business expenses are all accomplished by the per minute use of my time and the per mile charge for using my vehicle. I have no other source of income. If I invest my time in you and drive my car for you, I incur expenses. In most cases my door-to-door pick up charge is about 90% of what it costs me to provide it.
Schools that say they "do not charge" for door-to-door service are lying to you. They have increased charges to everyone to cover the expense of providing the door-to-door service. If I offered "free" door-to-door service, everyone would take advantage of that service. My standard 75-minute driving lesson would take, on average, twice as long. I would be spending 50% of my work time on the road for door-to-door service. My car would wear out, at least twice as fast, maintenance expense for the vehicle would double. I would have to increase my prices to cover the expense as no one in business works 50% of the time for free while doubling expenses.
My arrival time is within one minute of the promised time rather than the 45-minute window offered by most taxi services.
25. IS THERE A CONTRACT TO SIGN?
It is against the State law for driving schools to have any verbal agreements with drivers or clients. Most driving schools have very brief Contracts. They read, "X number of lessons. X number of dollars. No refunds" plus a statement to protect the company from lawsuits.
However, since I have a liberal refund policy, give discounts when certain conditions are met, provide written estimates and more, my Contract (Working Agreement) is long. Thank you for reading it carefully. You can find it on the AGREEMENT page of my web site (www.JodaCollins.com).
Upon request, I am happy to provide a simplified Working Agreement to anyone who asks that just states, "X number of lesson for $X dollars. No refunds. Plus, a few statements that protect us." All I do is remove client and driver benefits from the Working Agreement.
I must have your approval of the service Contact before I contact service. You can fax it to 850 981-3355, mail it, email your approval of telephone 850 981-3355 and voice your approval.
26. I signed but did not read the Working Agreement. Now that there is a problem because I did not read the Working Agreement, can I be held accountable for what I think the Working Agreement should have stated rather than what it actually stated?
I have never had a strained working relationship with a driver, spouse or parent or agency representative who read the Working Agreement and began business with me committed to honoring their word.
27. I MISREAD THE WORKING AGREEMENT AND NOW I HAVE A PROBLEM. WHAT SHOULD I DO?
Talk with me (Joda Collins) and let's solve the problem.
28. WHERE ARE THE DRIVER LICENSES OFFICES?
For directions and/or address in Escambia County call 472-0031. For Santa Rosa County call 983-1800.
FREE TRAINING (PARKING AND THREE POINT TURN)
We do not charge for parking and/or three point turn training, in whole or in part, if the following conditions are met:
1. Driver has memorized the steps for parking and three point turn, in whole or in part, well enough to quote them without hesitation or assistance and upon request before training for parking and three point turn during paid sessions. This means driver does not have memorize all the steps at one time. Memorize as much or as little as you want and we can practice what you have memorizes free of charge to you anytime you want. It only takes about 45 seconds to to a complete three point turn after steps are memorized and it only takes about two minutes to enter and exit a parking space in accord with State law once the steps are memorized. So, all I do is a two or three minutes to any existing lesson at no charge any time a driver wants to practice what he or she has memorized of the steps for parking and/or three point turn.
2. Before memorizing the steps for parking and three point turn, read carefully www.jodacollins.com, Agreement page, section one, colored print.
3. Driver must have at least 90 General Safety Points before practicing parking and/or three point turn if using the Joda Collins Driving Acdy vehicle for parking and three point turn training.
To contact me --
call 850 981-3355 or email JodaCollins@aol.com .
The web site below this paragraph brings together relevant information on a variety of topical subjects including tips on teenage driving and refresher courses for the mature driver.
THIS IS A SUMMARY OF
HOW I CAN SERVE YOU
My Specialty is Defensive Driving.
I have driven almost one-million miles (including 18-wheeler, bob-tail truck, UPS Package delivery truck, as a chauffeur and a driving Instructor) and developed safe-defensive driving skills at the highest level. As a driving Instructor for more than 1,600 students (about 6,400 lessons, 8,000 training hours and 200,000 training miles), I have gained the ability to work with every kind of student at every level of driving skill. However, I do not serve narcissists, psychopaths or sociopaths. Life is too short and I am too smart now to spend time with psychological predators. Been there. Done that. No thank you! I reserve the right to refuse service to anyone. So far, out of more than 1,600 student applications, I have only refused service to six. I should have refused service to eight; LOL. (You know who you are!)
My Business Structure
I have a small business with four people assisting me about two-hours per week each.This means you are, usually, receiving the attention of the business owner. If someone is in the office, we will answer the phone. If no one is in the office, we try to return every phone call and every email within two-hours. Phone 850 981-3355. Email: JodaCollins@aol.com.
My Business Goal
I have only one goal.That goal is to be the best defensive driving school in the world. What does it take to be the best driving school in the world?
1. An experienced, dedicated instructor (me) that will train you and yours with the mind-set that the driver's
life depends on the quality of service he/she receives and a devotion to invest in each student as if the student was his own child, sibling or parent.
2. A commitment to do everything, exceptionally, well.
3. A Client-centered and Driver-centered business that makes the needs and desires of every Client and every
Driver the priority, second only to safety and, at least, a moderate degree of reasonableness.
Without reservation of thought, I tell you that I offer you the "best" defensive driver's training that you can find anywhere in the world. That is a bold statement; however, I believe it to be an accurate statement. Some driving school has to be the best. This is it! In reality, since few business have highly-experienced staff who are dedicated, first and foremost, to your success and to pleasing you as a priority, the field of top-quality businesses, in any field, is not large.
When the person giving you most of the service is the business owner, that is a positive with regards to receiving the best service.
Very few driving instructors have the vast experience behind-the-wheel that I have. And, driving instructors come and go often. Very few have trained 1,600 drivers!
Full revelation of details. I am a man of many words. It takes a lot of words to reveal all information. I would rather lose your business than have your business and you be confused about what you are paying for or what to expect. I do not like confrontation. I will do my best to explain to you exactly what to expect. I do not bait and switch, misrepresent, lie, conceal or withhold information. I have no small print where information is hidden that is designed to hurt you or take advantage of you. I will answer any question you have as honestly and as fully as I can. I will put anything I say in print and sign it. I have never failed to keep my word. I have never been accused of not keeping my word .