Welcome to

JODA COLLINS

DRIVING ACADEMY LLC

Behind-the-Wheel Training ​

Serving Escambia, Santa Rosa and Okaloosa Counties since 2008!

850  981-3355

​

​

​

​

​

CONTRACTS ARE POLICIES AND PROCEDURES​​

 CONTRACT SEVEN
    THREE-IN-THREE TRAINING
    for drivers who have had three crash                     related tickets in three years.                                                             September 3, 2025  

Ignore the parts you like.  When they happen that is good for you.  Make a written list of the parts you do not like so if and when they happen, you are better-prepared or, at least, aware.      

                   TABLE OF CONTENTS
1.  THE TYPICAL PROCESS/PROCEDURE     
2.  INTRODUCTION                                           
3.  MINIMUM CHARGE
4.  PRE-TRAINING CHARGE
5.  PAYMENT AND SCHEDULING                     
6.  POST-TRAINING CHARGE
7.  ADDRESSING THE ELEPHANT, THAT IS,         TOO OFTEN, IN THE CAR. 
8.  CERTIFICATION AND RECORDING YOUR       COMPLETION                                            9.  DISCLAIMERS

1.  THE TYPICAL PROCESS/PROCEDURE 

I will walk you through this process one step at a time. Please do not ask me to serve you out of this order.  Putting the cart before the horse is always a formula for failure, frustration and a waste of effort, time and money. 
    A.  I (Joda Collins) answer any questions                  asked.
    B.  Registration
    C.  The Client approves of Contracts Four,              Five and Seven.  (If Contract Six is ever            mentioned, I meant Contract Seven!). 
    D.  Identification of Services  
    E.  Agreement on Charges
    F.  Payment Receive
    G.  Invitation to Request Scheduling                        Date/Time in no sooner than eight days              after receiving payment, unless....
    H.  Confirmation of Scheduling Date and                  Time
     I.  Re-Processing/Re-Registration
    J.  Client and Student-driver meets with me             (Joda Collins) a at the start of the training           to sign legal documents, unless other                 arrangements were made.  Then, training           occurs.
    K.  Payment of Post-training Fee/Charges, if           any, and if not charged in advance,                     under which circumstances, any charges           that is not warranted is refunded.
    L.  I (Joda Collins) inform the State of your             Completion
    M.  When I am informed of the State                        recording of your Completion, I notify the            Client that the Driver can contact the                  local Driver License Office to schedule                Driver's State Driving Exam.                                
2.  INTRODUCTION
     A.  Training with me is not a test.  No one fails. Everyone passes. It is training to best be sure you  pass your State driving test and become as safe a driver as possible in four-hours of training.     
     B.  There are 35 driving skills I am doing all of the time, while watching your driving habits and looking for teaching moments.  I have a long list of State requirements for training I am trying to fill, and more.  Please limit your questions.  My focus is on your most serious safety needs.  When the lesson is filled with a student's questions, it detracts from all of this.   Questions that do not relate to a driver's most serious needs poorly invest the time that could be spent on priorities.  If any questions remain after the training is over, email them to me. I will answer them for FREE for as long as I am of sound mind to do so.  I will usually answer all your questions before the four-hours of training is over.  So far, after 17-years in this business, no one has emailed me denoting a question they had that was not addressed during the training
     C.  Four-hours will not be enough to do everything, but we can get a lot accomplished if you:
          (1).  Are humble, mature and interested in learning and willing to put in the effort.           
          (2).  Do not spend your time arguing or trying to debate with me.
          (3).  Allow me to lead the training rather than try to direct the training with a barrage of questions or otherwise trying to tell me what to do.                                                                        
3.  THE MINIMUM PAYMENT IS $905 WITH A MAXIMUM REFUND OF $209 = A MINIMUM TOTAL COST OF  $696 IF....     
A.  If everything below (1-13) is correct, your minimum initial charge is $905 and your maximum refund is $209.00.  Thus, the minimum total charge is ($905 minus $209 = ) $696.00.  
     (1).  You follow my directions well that lead to scheduling.
     (2).  You train on a Tuesday, Wednesday or Thursday.
     (3).  Your start time is 11am and you train in one four-hour session.
     (4).  The student-driver is also the client (the financially responsible person).
     (5).  Payment is being made by cashier's check rather than a Visa, Discover or Mastercard.
     (6).  You are using an insured vehicle that is registered to you.  Proof of insurance is required. 
     (7).  Training beings and ends at my location in Milton, FL.
     (8).  The lesson, once scheduled, is not canceled by you for any reason other than fear of adverse weather for which you provide, at least, a one-hour notice.
     (9).  You schedule your training no sooner than eight days AFTER I receive your payment.
    (10).  You correspond with me by email, ONLY, after my first email to you, on all matters that concern contractual matters, including but not limited to service and fees.
    (11).  You have not taken any 3 in 3 training from me before.  
    (12).  You do not incur any post-training fees/charges as itemized in Section Six below.      (13).  While you are welcome to ask as many questions via email as you want to, after I give an answer to every question, you are able to understand the legal documents without the need to ask any of the same questions again.        (14).  Any changes in a written and detailed to the Client/Student Contract regarding services or fees makes this Contract null and void, as if it never existed, and a new Contract will be prepared to reflect all services and fees. Said changes in services and fees, if too late to adjust in print in a new Contract, Client agrees that the new Contract, as long as it reflects the facts of this Contract is acceptable.

4.  PRE-TRAINING CHARGES​
     A.  Charges are guaranteed for life of this Contract. The Life of this Contract is 30-days from the original and 45-days from your payment.
     B.  Before accepting any money, I (Joda Collins) must have a signed paper copy of the Contract in my possession, unless other arrangements are made.
     C.  Processing/Registration .................$175             (1).  On average, it takes 3.5 hours to walk a driver through the pre-scheduling process that leads to the training session.  I keep track of the time spent to do this task.  If the task takes less than 3.5 hours I will refund the unused fees.  If it takes more than 3.5 hours, I will not increase this fee.                                    (2).  This fee is non-refundable, under any conditions, except as clarified in (1) above, because it is for service already rendered.  Do NOT pay if you are not training or cannot train within 30-days of the payment.
            (3).  After the end of the Life of this           Contract (See 4A) above, the driver has not   completed his or her four-hours of driver              training, the Processing Fee is forfeited, and a new Processing is required along with another Processing Fee.

     D.  TIME RESERVATION FEE...............$25   
     E.  If, for any reason, all four-hours cannot or will not be taken in one session, there is an additional fee for the second of two, two-hour sessions  ..............................................$99

     F.  If a driver wants to begin at any other time than 11am, add $19 per hour, or any part of an hour to the fee = $19 times ____ hours = .................................................................$____                                                                                   G. TUITION..........................................$476
          
     H.  CREDIT OR DEBIT CARD FAILURE......................................................$20

      I.  Re-Processing/Re-Registration..........$36
          (1). If a Client Registers to the point       of approving the Legal Documments but    does not follow through with training with       90-days of the completed Registration,        and returns at a later date for my service,   there is a token fee of $36 paid to me for        my unpaid efforts to Process and  Register    the Client and/or Student wherein no

payment was made and the Driver and/or

Client did not follow through to take       training.  After 90-days a Re-Registration

is required.

     J.  Possible Refundable Additional Service Fee on Account.............................$209
            (1).  This fee, of $209 if paying 100% with a money order of cashier's check or $225 if paying 100% with a Visa or Mastercard, will be refunded (at my, Joda Collins, discretion) in full if there are no Additional Fees as itemized in this Contract. It is possible that additional charges beyond the $209 or $225 will apply as clarified in Section 7 below ONLY if you are reading this on my web page; however, additional fees, beyond this $209 or $225 will not exceed $175 more than your total pre-training fees.  Any refund will be mailed to you within two weekdays along with an itemization of charges (if any).   See Section 7. POST TRAINING CHARGES for details.      
            (2).  I charge this $209 or $225 fee in advance because $225 is the average additional fee of the average three-in-three driver. It is easier for me to charge this fee in advance and refund it if not used, rather than add it to the total if it is used.  If not used, I cheerfully refund money and never give any client a hard time about refunding money, but I have not had a single positive experience wherein a driver incurs additional charges as contracted where the client kindly, graciously and without giving me a hard time, pays me the promised additional fee as contractually agreed.                                                  (3).  Why is this fee charged.                                     (a).  It is embarrassing when a long-time driver cannot pass the State exam because he or she cannot drive well enough to pass the State exam, an exam that a 16-year-old new driver passes!                                                                   (1).  New drivers are committed to learning what it takes to pass the State exam.   They are nervous and work hard to pass it.   Experience drivers are often overconfident and sometimes quite argonaut and are sure they will Ace the test, so they do not prepare for it.  When they cannot change lanes safely, cannot park or do a three-point turn in accord with the State law requirements (which is more than just being able to do those things without crashing on the spot), they fail the State exam.  That is embarrassing for them and not a good mark on my record as a professional driving instructor.  Therefore, I mandate that a driver be able to change lanes, park and do a three-point turn, as least well enough compared to a 16-year-old that has done the necessary homework and memory.     

                 (b).  Because of test anxiety, I require a driver to memorize well enough to quote the steps without hesitation or error and upon my request.  Otherwise, the driver, not knowing the procedure well, will likely not remember the steps during the testing (test anxiety).                      

                  (c).   Almost every experienced driver will pass the road test.  But very few can pass the safe lane procedure, the three-point turn or the parking procedures AS REQUIRED BY THE STATE.  Again, just because a person can do these things without crashing during the exam does not qualify as safe driving.  You might be able to drive 60mph in a residential zone without crashing, but you would fail the exam anyway.                                               

                 (d).  If a driver cannot remember the steps for changing lanes, parking and three-point turn, the necessary time to memorize those steps during training is required.  I have spent all four-hours with some drivers who never got out of the parking lot because it took them four-hours to learn the steps for these procedures.  They finished their training just as dangerous on the open road as they were when they started training with me.  Not good!                             (e).  Less than 5% of three-in-three drivers memorize the steps for the three-point turn or the safe-lane procedure before the start of their training.  This is, I think, because older people have lost much of the ability to memorize without a lot of effort and most older people lack the motivation to give a lot of effort.  I hope you are part of the 5% that gives the effort. 

     K.  AFTER TRAINING REPORT..............$17
           (1).  This Report provides written evidence of training for the State and a list of driver positives and needs. It is impossible to remember all of the instructions for safer driving.  Having that list in print allows the driver to check the list before every driving outing and double check it at the end of each outing to see if he or she is showing improvement              
           (2).  This report is not mandatory, but it is valuable.  If, however, you do not want this report, let me know before you pay for it.  Once paid, it is non-refundable
                                                                            
    L.  Registration/Enrollment Administration      Service 
         (1).  If the Student-driver and the Client are NOT the same person...........................$50
         (2).  If the Client cannot or will not allow me to communicate with him/her directly by email at my desire or upon my need to do so, 100% of the time.......................................$100  
                (a).  When email is not available to me to directly communicate with the Client, I will accept voice   mail inquiries, but I reserve the right to respond to inquiries that address any contractual matter, scheduling or finances, by US Postal Service rather than return  phone calls.  This willingness on my part does not negate the $100 charge noted above.

    M.  Insurance Verification Service...........$26 
If your vehicle is used for training, I verify your insurance coverage.  If you have insurance, I will refund this fee, if paid, or not charge it if it has not yet been paid.  If you are    not using your personal vehicle, this fee will not be refunded under any conditions.

    N.  Door-to-door Service (if applicable)..........................................$ to ____  This fee is provided to you via email after the Client provides to me the start and end address for the training.                                                                        
    P.  Rental charge for using the Joda Collins
vehicle for over-the-road / in-traffic training
rather than another insured vehicle...........$152
          (a).  This fee does not cover my expense (wear/tear and insurance charge) or strain for accepting liability.  For example, imagine asking a taxi driver, owner of a chauffeur service, any business owner with a vehicle registered in the business name, or any stranger with a personal vehicle to lets a driver, that is considered, by State standards, to be a dangerous (crash prone) driver, (no offense is intended; just stating a  fact), drive his/her vehicle for four-hours for $41 per hour  while the vehicle owner assumes all liability.  No insurance company in the Florida (that I know of) insures unlicensed    drivers, except when driving in a vehicle registered to a professional driving school.  I (Joda Collins) am not obligated to let anyone, and everyone use my vehicle.  If a driver is too dangerous behind the wheel to entrust driver with my vehicle and my financial future I will not let said person drive my car.

    Q.  RETURNING DRIVER - PER  ADDITIONAL APPOINTMENT, EVEN IF THE APPOINTMENT WAS MISSED, CANCELED OR RESCHEDULED  FOR ANY REASON OTHER THAN FEAR OF ADVERSE WEATHER, FOR WHICH AT LEAST A TWO- HOUR NOTICE IS PROVIDED, FOR THE FOUR-HOURS OF 3/3 TRAINING...$120  

    R.  EXPEDITE / FAST TRACK................$80 
         (a).  If the training occurs within seven days of payment received (in any amount), this fee applies.  If you want to know the reason for this charge, scroll down to the bottom of this page (of writing) and then scroll up to Section Eleven.

    S.  STATE RECORDING FEE..................$27

    T.   SPECIAL/ADDITIONAL MEETING 
​          (a).  If a client and/or student-driver wants to or needs to meet with me prior to a scheduled training appointment, there is a charge of......................................................$38 

          (b). This fee is not subject to (does not receive) the 7% discount for paying with a Visa or Mastercard.  This fee must be in my possession before I will schedule the meeting.

    U.  HYBRID PAYMENT(S)                                        1.  Some payment made with a Visa card or  Mastercard and some payment made in any other form...........................................$19
         2.  Some payment made by one party, and some payment made by another party or parties; that is, two or more clients..............$16 

    V.  EXTRA ADMINISTRATION NEEDS
It is good if each step in the process of serving  takes only one email, but that is unusual.            There are a lot of possible variables that may     take more clarification.  Failure to follow written directions or provide accurate information that   required an additional response. This charge is reciprocal.......................................................$5                                                       Per Response
         1.  My (Joda Collins) business is established on set procedures, like a car assembly line. This keeps expenses lower.  I do not average the cost for service and charge everyone the same.  I average the cost of service if the Client and/or Driver follows directions, then add a fee for each time I have to do extra work because the Client and/or Driver did not follow written directions. There are a lot of reasons why a person does not follow written directions, including but not limited to, poor reading skills, English is not his/her first language, or too lazy or too busy to read carefully.  However, what ever the reason, the cost in time and money to me is the same.  I fall into the last category.    
        2.  Every variable, that was/is not the result of me not following procedures, not following directions or providing errant information to you, that requires you to respond to me, is a FREE response.       
        3.  Every variable, that was/is the result of me not following procedures, not following directions, or providing errant information to you, that requires you to respond to me, is a five-dollar charge to me, that I pay (owe) you. Your time is as valuable.  I assume  responsibility for my mistakes that cost you (the Client) time out of your life and/or money out of your pocket. 
         4.  Every variable, that was/is not the result of you not responding to directions accurately or providing errant information to me, that requires me to respond is a FREE response from me.          
         5.  Every response from me that was/is the result of you not following written directions or providing errant information to me, is a five-dollar charge, that you pay (owe) me.  I expect those I serve to assume responsibility for their mistakes that cost me time out of my life and money out of my pocket.  I sell my expertise and my life (time), as do we all in our employment.
         6.  Failure of Client to communicate by email  only after my initial contact with the Client.......................................................$5 per.
             (a).  All communication after my initial contact with you is by email, unless otherwise requested in accord with the following
             (b).  I will respond by phone, text, IM, at your request for $5 per requested and performed response, that you pay (owe) me.
              (c).  I will never ask you to respond by phone, text or IM. 

Y1.  EXTRA  ADMINISTRATION REQUESTS.................................................$35
Per honored request.  
       1.  My business operates on a systematic format.  Doing so reduces administrative time and saves my clients money, since time is money.  When a client requests that I do something for him/her          that is out of sequence, I am happy to try to    oblige, but since it will take me more time, money, effort and stress, I will not do it for free. If your employer said, "I want you to work overtime today; for free,"   Would you?

Y2.  What is the total of all figures above?..................................................$_____

This is your total if you are paying with a           cashier's check or money order.

Y3.  Plus $91 if training only on a Friday or    Saturday or $0 of training only on a Tue, Wed    or Thursday............................................$_____

Y4.  What is Y2 minus Y3?.....................$_____

Y5.  Multiply the total in Y3 by 1.0753 and          delete cents if payment is being made with        a Visa or MasterCard............................$______
There is a 7% reduced charge on all pre-training fees when paid with a cashier's check or money order.  Said 7% discount is not applicable to any post-training charges.

Z.   PAYMENT PLAN                                                I used to extend credit, but in the half-dozen times I did, I never got paid even though every person promised profusely to pay later. I do not extend credit because I do not have any way to force payment after my services are rendered.   Put it this way, would you loan money to me if I promised to pay you sometime in the future?  If you owned a business, would you work on credit for a person you do not know on their promise to pay you sometime in the future.  Me either.  Not anymore. Been there.  Done that!  I have a soft heart, but I cannot afford to be a soft touch.  I do not delay turning the completion to the State, until full payment is made because of the legal and ethical problems associated with that.

5.  PAYMENT AND SCHEDULING
     A.  If paying by mail and not with a visa or MasterCard credit or debit card, mail your money order or cashier's check for the amount, specified in your Summary Contract sent to you email AFTER you agree to fees, to Joda Collins Driving Academy, 4033 Buttonbush Dr., Milton, FL 32583.          
          (a).  When I receive payment, I will send you an email invitation to go to www.jodacollins.com, to the Available Dates and Times Section and request your scheduling appointment by return email.      
      
B.  I do accept payment (including via cash) in person.  I make a special appointment for payment via cash and that appointment incurs a $38 charge for my time and admin time it takes to schedule and send a reminder.  I do not accept cash in the mail.                                                                                       
C.  BE SURE TO KEEP YOUR PROOF OF PURCHASE.  While I have never had anything lost in the mail in my entire life, there may be a first time. So, keep your proof of purchase for your money order or cashier's check.    

6.  POST-TRAINING CHARGES
These fees are not punitive for any behavior or personality difficulties, real or imagined, of a driver.  I am not your parent or counselor.  I do not have a mandate or overwhelming commitment to help any student become a better person.  My mandate is to help my students become safer drivers.  If a student's personality or behavior causes me extra irritation, stress, danger or work, these fees help offset those irritations, danger and/or work.  These fees are simply for added stress, danger, difficulty, irritation and effort on my part regardless because of the behavior and/or countenance of the driver, whether the driver intended it or not, or can or cannot control him or herself enough to avoid such things. It is payment for services, not personal or vindictive accusations against the character or personality of the driver.  However, because I itemize and clarify the charges, unless asked in advance not to do so, there is necessity for clarification which might sound personal. I assure you, that none of these things, in any setting that would not cause me added stress, danger, difficulty or irritation would incur a single penny of charge or even a hint of such an intent.  I would, simply, walk away and the problems are immediately resolved.  All additional difficulties are easily avoided with few footsteps in the opposite direction in any environment where that is an option.  That is not possible if I am going to serve you.

If, at any time before the end of the first hour of training, you find my presence intolerable, let me know and I will cease training and give you a full refund, excluding door-to-door fees and the agreed-on $177 or $195 non-refundable fees for pre-training services already rendered. We can consider that we never met.

Because the Client and the Student have signed a document stating they have read, understand and accept their benefits and responsibilities as outlined in Contract 4, 5 and 7, I am not obligated to confront or warn a driver that said fees will be charged.

A.  Lack of Memorization Fees, if applicable.                  (1).  Failure to memorize:                                           "Ahead, Behind, Mirror, Shoulder,                           Signal.                       
                   Ahead, Behind, Mirror, Shoulder,                             Move.     
well enough to quote it without hesitation or error and upon request ....................$79 or $85 
       (a).  $85 if you paid 100% with a Visa or Mastercard, or $79 if paying with a cashier's check or money order.  
       (b).  If this is memorized well enough to quote it without hesitation and upon request during training, this fee will not be charged, or if charged will be refunded.   Failure to memorize this and the procedure noted below, eats up training time and puts added pressure on   me to do all the training required by the State.  I have had drivers that spend  the entire four-hours memorizing these procedures!                                (2).  Failure to memorize if using the Joda Collins Driving Acdy Vehicle for three-point turn training:                      
           "Slow, right, look, signal, stop.                              Look, go slow and turn fast, stop,                            reverse.                              

            Look, go slow and turn fast, stop, drive.              Look, go slow and turn fast, coast,                           accelerate."   

The most important facts are you must:                   1.  Look in the outside left rearview mirror and over your left shoulder before you signal otherwise you are signaling an intent to crash into a vehicle, if one is approaching from the rear.  Turning on your signal does not give you the right of way.                                                         2.  Signal five seconds before you stop just as is required by law to stop at any stop sign where you are making a turn.
     3.  Always look before you move just as is required by law when crossing any lane of traffic.

Or, if using any other vehicle rather than the Joda Collins Driving Acdy vehicle for the three-point turn training, memorize:                                         "Slow, right, look, signal, stop.                              Turn, look, coast, stop, reverse.                          Turn, look, coast, stop, drive.                              Turn, look, coast, accelerate.                  well enough to quote it without hesitation, or error and upon request.................$130 or $140
               (a).  $140 if you (the Client) paid Visa or Mastercard or $130 if paying with a cashier's check or money order
               (b).  Partial financial credit is not provided for  partial remembering or stumbling through the list in a bewildered effort.  There is no financial consideration for failed effort or sincerity ("I really tried hard!")  for effort or sincerity. If this is memorized well enough to    quote it without hesitation and upon request this fee    will not be charged.                                    
               (c).  Please do not argue with me with a claim that you once remembered these things but, "just forgot    them," counts as memorizing  for this training.  That is like saying, saying, "I know my name, address, phone number and birth date, but I forgot them, so that proves I have them memorized."                                                  (d).  If you want to know the reason for this fee, go to Attachment Two found at the bottom of this column, Section Two. 

B.  The maximum charge is for accumulated
charges noted below, shall not exceed $175 
more than your total pre-training charge(s),       
that is, the total you paid before scheduling.      
The following charges are not subject to a discount when paying in any other form other than a card.                                                                                 
C.  Failure to follow written instructions .... $15                                                         Per Failure. 
To incur this fee, said failure must cause me 
(Joda Collins) added administrative effort.          
D.  Contract Alteration Fee.........................$30  

Any change in Contract, including but not limited to missed, canceled or rescheduled appointment due to any change not related to my (Joda Collins') action, after Contract fees are approved but before the training begins, incurs this fee.        

E.  A cut and paste from or reference to any legal documents........................................... $5                                                   Per need/action.
After a client agrees to the legal documents, if the client inquiries about something contained in the legal documents that is answered by me with cut and paste from or reference to the Legal Documents, incurs this fee.                    

F.  Credit/Debit Card Charge Denial 
Response BEFORE the Training is Completed...................................................$18
      (1).  This takes time, and time is money
      (2).  I, the Client, give Joda Collins the authority to charge (after the training is over) for all items noted below and to do so without my (the Client's) further  approval. I do request that he attempt to give me ample warning (ample warning in the opinion of Joda Collins) for me to change any behavior in order to avoid any of these charges.  

G.  EXTRA EFFORT FEES (Penalty Fees)              I (Joda Collins) am always happy when I have no need/cause to impose these extra effort charges.  I much prefer the benefits afforded to me when no extra effort fees are due than the collecting of said fees and incur the additional effort (work).  Any or all of these fees are charged at my (Joda Collins) discretion. These charges may, also, be
charged in advance, at my discretion and refunded if not used.  Extra Effort Fees do NOT enjoy the 7% discount for paying with cashier's check or money order.  If you want to
pay for these charges by cash at the end of the lesson, bring as much cash as you think you might need.  These fees have nothing to do any kind of accusation against a person's character any more than the total charge for a tank of gas, a bag of groceries, a dental bill or the charge for a restaurant meal has to do with a person's character.  I do not do anything for free including enduring unnecessary added
stress, irritation, difficulty or danger.  My charges, like all charges, are directly related to cost for products and charges for services rendered.  All of the fees below are related to
things that others do that make my job more difficult, more dangerous, less productive, and/or more stressful/irritating 
than is necessary.  

H.  Aggravation Fee.....................................$50 to $100  depending on my (Joda Collins) perception of the degree of aggravation.         
      (1).  Do not argue with me, ignore me, refuse to follow my directions and/or tell me why you will not or did not follow my directions as justification for doing so, or waste my energy telling me why you disagree with traffic laws you think are stupid, do not try to justify wrong driving decisions after I think I have adequately clarified what you did wrong, or make up your own rules of the road to replace State and Federal traffic laws.                                   
      (2).  Do not tell me, directly or by insinuation, I am wrong, and you are right without giving me a chance to finish my thoughts/presentation of the matter.                   
      (3).  If I ask you a question that can be answered by a "yes" or "no," have the courtesy to give me a "yes" or "no" response rather than provide a discourse or monologue.
      (4).  Keep casual conversation about home, work, school, money, jobs, family, favorite ____ to a minimum as that eats up time, makes it harder for me get done for you what I am assigned by the State to do in the limited time I have to do it, and takes my mind off the task -- all of which is unkind and irritating to me.           
      (5).   Know, also, that this fee is not conditioned on your opinion if I was aggravated by your behavior or not, but solely on my subjective evaluation.  I know when I am being aggravated, even if others do not; even though they should know.  Also, some people have the ability to aggravate others even while smiling or even while doing so with a sweet-sounding voice. Sometimes driver's say to me, "Well, that is just my personality!" as if to say that because they have a aggravating personality, I should overlook it and endure it for FREE.  I do not.  I will not.  Just be a kind, considerate and decent person rather than obnoxious, confrontational, argumentative, degrading, unteachable, and/or filling hours with justification of doing wrong rather than be teachable and learn to drive better. It isn't hard for normal people to do that.  I am easy to get along with, but if your behavior exceeds the level of basic logic or common courtesy often enough, you just lost money.

      (6).  It has been my experience that the majority of three-in-three drivers have significant psychological and/or social and/or cognitive and/or behavioral problems; I am entitled to my opinion.  My opinion is credible because it is based on 17-years of experience.  I hope, in your case, I am wrong, and you are the exception to the norm. I will assume you are the exception unless you prove me wrong.
            (a).  Hints:                                                                  (1).  If I say something like, "You did not come to full stop at the stop sign," do not say, "Yes, I did! you lying ignorant fool!"  Don't even say, "Yes, I did!", because I will assume you intend (are implying) the latter also.                                 (2).  If I tell you that you broke a traffic law, do not tell me why you violated the law and/or why your rules of the road are better than the legal rules of the road everyone else has to follow.  Making up one's one rules of the road is one of the major habits of many three-in-three drivers and one of the main reasons for crashing, thus, also, putting my life in danger with you behind-the-wheel.                                                     (3). If I tell you a traffic law that you did not know, do not justify your displeasure or disagreement with the traffic law by telling me that you think the law is stupid. Traffic laws are not subject to your approval or mine.  What you or I think of them is meaningless.                                            (4). If I instruct you to do something, do not tell me why you refuse to do it. I am putting my life in your hands and if you are going to view my instructions as mere suggestions that you will follow only if you agree and approve, then I am only as safe as your decision-making ability, so I quit.                                   (5).  When I am providing instructions, do not interrupt me.  I find rudeness aggravating, especially for four-hours in a row in a trapped/closed environment.                             (6). Do not try to lead the training by plummeting me with questions; just listen and learn.  This is not a four-hour Q and A session with drivers asking the questions they think they need to know or feel I am obligated to answer because I am being paid.  I am obligated to attempt to train you in accord with State standards, not yours.  Allow me to lead the training by giving the training I think you need to know.  I cannot teach everything about safe-driving in four-hours, so allow me to use your time to teach you the most important things I think you need to know.  If I have not answered your questions by the end of training or any question about safe-driving that might arise in the future, you can email me the questions and I will respond via email at no charge to you. This offer expires when I do.

                   (7).  Do not argue or debate with me.                     

                   (8).  If you have no interest in learning anything, have the decency to tell me rather than aggravate me non-stop hoping I will shut up, and I will meet only the bare minimum standards required by my contract with the State and say no more.  There is no reason for me to work hard if the student does not want or appreciate the effort.                                                               (9).  If you are mad at the police department, the DMV, your husband, wife, boss, parents, kids or just generally an angry person, take out your hostility on someone else, not me.  I am easy to get along with as long as I am not treated like a spittoon.  If you have been diagnosed with a mental or physical abnormality that causes you to be angered easily or have a confrontational or argumentative personality, tell me in advance so I can try to work around that personality flaw.  I will not be judgmental.  I know such conditions exist and I am accustomed to working with those who struggle with these conditions.   I will be able to do my best if I know of the condition in advance.      
                         (a).  "Real wisdom, God's wisdom, begins with...(being) gentle, reasonable, overflowing with mercy and blessings...not two-faced...doing the hard work of getting along with each other, treating each other with dignity and honor."   James 3:17-18 (MGS Version).                                                                              
J.  Chatterbox Fee.....................................$21        (1).  Excessive chatter does the following. 
​           (a).  It makes it more difficult for me to concentrate on the 35-driving skills needed to drive with maximum safety
           (b).  It makes it harder for me concentrate on the driver's most pressing needs
           (c).  It makes me nervous and causes me extra stress.  
                  (1).  Think about it this way.  Assume you are a teacher in a classroom session and while you are trying to teach
your class, one student chatters a lot into the wind about  a lot of non-relevant things.  Would that make it more difficult to get your training assignment done?  Yes, it would.  Would it grate on your nerves?  Yes, it would.   The vehicle is my classroom, and you are my one student in my class. 
         
K.  Interrogation Fee...................................$35  

     (1).  Interrogation does not have to be violent, forceful, or include the infliction of physical pain.  A five-year old can interrogate an adult simply by asking, "Why," after every sentence an adult utters!  "Interrogation...refers to the act of questioning someone or something in a formal...manner... (or setting), (or) the process of asking someone a lot of questions for a long period of time in order to get information...." Webster's Dictionary.  The goal of this training is not for drivers to interrogate/question me for four-hours.              
     (2).  The goal of this training is for you to become a safer driver in only four-hours and to drive crash free the entire four-hours. To do that I focus, first on safety and second on making it my priority to help you overcome your most dangerous driving errors.  I cannot do those things if I am concentrating on hearing and answering a ton of questions. We will not be able to do everything, so let me lead the training by teaching rather than you try to lead the training by interrogating me.  If, after this State mandated training, you want to hire me to answer questions in person, call for an appointment.  While I want to be sociable, it is important to remember this four-hour session is, primarily, for me to teach you as many of the 35 specific safe driving skills as you need and as many of the traffic laws as I can that you do not know. I am held accountable by the State for the quality and effectiveness of my teaching. If I fail to do a good job, the State does not accept my excuse of, "He/She would not stop asking me questions, so I was not able to get to the teaching required by the State!"   Also, is a better use of time for you to listen and learn rather than question me along the way with questions that are less relevant to your most dangerous driving habits. Or questions intended to answer later in the training. This is not a four-hour Q and A session.  I cannot get to everything in four-hours. That is not my job.  My job is to help you with your most dangerous driving habits.  I can do that if you want me to and allow me to lead the training.                               (3).  If I do not get to all of your questions by the end of the training, as long as I am alive and of sound mind, you can email me any questions you have and will answer them free of charge.                                                                           
L.    Poor comprehension of the Contract
which makes me have to spend time explaining
basic facts of the Contract and or other legal documents and/or ignorance of how to avoid      the penalty fees found in Section G of this Contract.............................................$56 to $95 depending on my determination of the degree    of poor comprehension.                                              (1)  If a student-driver or the client (if not the same person) does not exhibit, in my (Joda Collins) opinion, sufficient evidence that he, she or they know how to avoid the penalty fees noted in this Contract that, almost always, creates a major source of difficulty when teaching.  I mandate a small token remuneration for that added unnecessary and easily avoidable stress.  I get paid more to endure avoidable stress.  If the driver does not know how to clarify, verbally, at the start of the training, how to avoid the fees in Section G of this Contract, this fee will be charged with no notice of said charge.                                                 (2).  I practically beg those I serve to carefully read my Legal Documents.  About 80% of those I serve that are not three-in-three drivers carefully read the Contract(s).  About20% of three-in-three drivers carefully read the Contract. I consider that disrespectful towards me. 
              (a).  I get paid more to be disrespected. 
              (b).  It also increases my workload to have to explain the legal documents during training. I get paid more for working harder, especially when said extra work is easily avoided. 

               (c).  Taking time to explain the legal documents
often follows a conflict of some kind for which clarifying the legal documents resolves. I get paid more for enduring unnecessary and easily avoidable conflict. 
               (d).  Taking time during training to clarify the content of the legal documents means I have less time to devote to training to try to get done everything the State asks me to do.  That is extra pressure on me.  I get paid more to endure extra and easily avoidable pressure. 
               (e).  Having less time to train because I am explaining the content of the legal documents means the student is less likely to pass the State exam.  That failure goes against my record. I charge more for that possible negative on my record, which is the fault, not of me, but of the client and/or student.  More importantly, less training means the driver will be less safe.  That fact goes against my conscience.
       (3).  I do not like being around people that are not truthful.  There is something about their countenance that irks me.   People who sign the Contract testifying they have read and understood the Contact but have not read it well and do not understand it are not truthful in this instance. I get paid more to be in the deal with the negative and strained atmosphere for four-hours caused by less than truthful people.                                                                                                               
M.  Reading Assignment Failure................$38   

      If the Student-driver is younger than 25-years of age and does not read the following short article or does read it but not well enough to remember the basic components or the one most important thing, such as the title or the fact of the article. Reading without basic comprehension is no different than not reading at all.  

https://www.urmc.rochester.edu/encyclopedia/content.aspx?ContentTypeID=1&ContentID=3051

prior to the start of training, this fee applies.  If clicking on the above link or touching it on your screen does not work, you can copy and paste it to a search engine.           

     
N.  Failure to follow directions and/or traffic laws (Hazard Pay).......................................$75
     (1).  Sometimes drivers do not follow my directions because:         
            (a).  Cognitive (mental) or emotional problems that are not their fault.  Disabilities or difficulties such as word processing disorder, ADD/ADhD, autism, OCD, defiant disorder and a host of other things can cause strain, stress and/or added danger during training.  I get paid for added strain, stress and/or added danger even if such is unavoidable because I am providing a service. I get paid for my service, just as my auto mechanic gets paid for his service, even if the car repair was not my fault or the counselor would get paid for helping a person with a condition that is not his or her fault.  That is just adult life.  I am less likely to apply this fee strictly when we are driving someone else's vehicle and not mine, thus putting their car, insurance, and financial well-being at greater risk, and not mine.  
            (b).  They think they are better-qualified drivers than me and feel obligated to ignore my directions if they disagree.   

            (c).  They blame their reflect action, thus attempt to excuse that they are not following my directions on the bases that it is impossible for to do so because of their reflexes, overriding fears, arrogance towards or defiance of authority.  (No one is going to tell them what to do!), anger issues, distrust issues, hatefulness, narcissistic, sociopathic or psychopathic tendencies, -- and/or dislike or disagreement with the rules of the road and a commitment to dishonor those rules and replace those rules with and a commitment to honor the student's personal rules, thus mandating by word or deed that I honor their personal rules and not traffic laws or safe driving skills.                                                                            (1).  Whatever the reason for failure to follow my directions, we will be in the same crash or higher chance of crashing and, if crippled or killed, just as crippled or dead.  Therefore, any reason for failing to follow my direction are immaterial to me.  The level of training will be below the level of commitment to following my directions, including the directions the student does not like, does not understand or does not agree with.  Safety first. I get paid $75 extra to spend time in the car with a driver who, for any reason, does not follow my directions. When my life and limb are in greater, unnecessary and added danger because of the shortcomings of others, I charge more.  My life is worth, at least, $75.00.  The stress the student-driver puts me under by riding with a driver who is emotionally or psychologically unable or unwilling, or willing but does not so do, to drive safely and/or in accord with my instruction is worth at least $75 in hazard pay, and more if it is my vehicle and my business the driver puts at unnecessary risk.  
            (k).  The following things should be understood before the start of training.     
                   (1).  One of us has to be nervous when I give a driving direction that the student-driver disagrees with or is uncomfortable following.  Either I have to be nervous because the student-driver does not follow my directions, and we have a higher chance of crashing, or the student-driver has to be nervous and follow my directions and we face a lower chance of crashing.  I opt for the second scenario.             
                   (2).  I am probably better-qualified to keep us safe on the open road than the student-driver is.  If the student-driver only follows the directions and instructions I give when he or she wants to or agrees, then we are only as safe as the decision-making ability and the driving skill level of the student-driver.  If the student-driver follows my directions and instructions even when he or she disagrees with me, then we are as safe as my decision-making and my diving skill.  Student-drivers that believe they are authorized or welcome to override my directions/instructions are invited not to take lessons from me.  One mistake on the open road can cost everyone, everything.  Driver training is not a game.  The goal is not having fun or just getting it over with.                                            (a).  If it becomes apparent that my student is an overall safer driver than me, I will cease being the instructor, ask the student to train me to be a better driver, refund all fees paid to me and cheerfully double that amount of that refund as payment for his or her service.           
P.  Failure to allow me to have control  of my    vehicle upon request....................................$15                                                           per failure.  

I will clarify, at the start of training, how              to do relinquish control of my vehicle to me.

Q.  Credit/Debit Card Charge Denial 
Response AFTER the Training is completed.....................................................$25

R.  PARKING IN THE WRONG PLACE.....$24  

This Contract directs those that meet me at 3804 Garcon Point Road, to park in any space that faces the side of the building by the business manager's request.  This is true even if you buy something in the store or at the pump or if 100% of the parking spaces facing the front of the building are empty when you arrive.  I use this business for many meetings. Management has asked me to have my students park facing the side of the building.  Failing to do that puts me in a bad light with the business management.  For that ill-at-ease condition and jeopardizing my good working relationship with that business, I charge $24.00.                                    
S.  THE CLIENT'S INABILITY TO PRODUCE,   
IN PERSON, THE PHYSICAL CHARGE OR      DEBIT CARD AT THE START OF THE TRAINING.....................................................$32      (1). You, the Client, must produce the credit or debit card you used to pay any fees; this must be done, in person, at the start of your training session.  If you do not have that card in your possession, or are not present a the start of the training, the training will not occur, and you will forfeit (or be charged $320.00) for this missed lesson.       

T.  Failure to provide the Registration 
Information within one email thus necessitating additional admin time/expense on my part t to    secure that requested/mandatory information....................................................$22

UNNECESSARY DISCOMFORT FEE               
U.  Poor control of the accelerator..............$40  

     (1).  Accelerate slowly and gracefully, in a manner that does not through my head back (no g-forces) upon acceleration more than three times in the training session and avoid this fee.  No matter how fast you drive or how fast you accelerate, we will end up at the start location at the designated time. Jackrabbit (aggressive) acceleration causes me to pull muscles in my neck and back.  It is painful and if severe enough may cause me to cancel your lesson and reschedule at YOUR expense.  Accelerate as your great, great grandmother might.  Accelerate as if you just picked me up from the hospital with a neck brace on after neck surgery and the doctor told you to drive without hurting my neck.  If I have to ask you to accelerate less aggressively more than twice, you can assume this fee is lost.  If you are aggressive with the accelerator, I will try to remember to remind you often.  However, the primary responsibility to remember to accelerate gracefully is yours.  As an experienced driver with normal IQ, you should be able to accelerate gracefully without constant reminders to do so.                                     (2).  Do not pump the accelerator or use it as an off and on switch, as it puts me in four-hours of neck discomfort.  Unless traffic conditions mandate otherwise, think in terms of apply and reducing the pressure on the accelerator at the width of a piece of paper so acceleration is graceful to begin with and consistent when traveling at desired speed. The vehicle should not feel like being in a mini-roller coaster to passengers.

V.  Poor control of the brake (stopping in a
manner that throws my head forward)..........$45

7.  ADDRESSING THE ELEPHANT THAT IS, TOO OFTEN, IN THE CAR. 
     A. The majority (not all, and hopefully not you) of three-in-three drivers, in my opinion and in my 17-years of experience, have not been very good people. They have been argumentative, passive-aggressive personalities, narcissistic, not truthful, fail to assume responsibility for their own actions, mad at the world and everyone in it, have an overriding sense of entitlement and/or are unteachable. "Never correct conceited (arrogant) people; they will hate you for it.  But if you correct the wise, they will respect you."  Proverbs 9:8.  (Parenthesis mine, Joda Collins.)  I did not state your name.  I am assuming you are a decent individual unless you prove me wrong.             
     B.  The majority of three-in-three drivers, to date, have not read this Contract carefully or do not expend the time and energy to get their questions answered before agreeing to it and are, therefore, unprepared for the training appointment.  Being unprepared for the training they tend to get confused, frustrated and/or anger more easily.  
    C.  It has been my experience that about 70% of three-in-three drivers have been quite immature and treated me like arrogant, disrespectful, snotty, know-it-all teens treat their parents.  Unlike many parents, I did not put up with that with my children. I will not tolerate it, now, from adults.  I am not being paid to be spit on, so to speak. I hope you are part of the 30% that are not like that. If you are like that, try to fake adult level socially maturity/behavior for four-hours.  I prefer fake good behavior to real, nasty, behavior.
    D.  Be decent and respectful towards me and I will be decent and respectful towards you. Do not antagonize me for fun or as an expression of your character, and there is no reason for me to confront you for antagonizing me. However, if you antagonize me, I will confront you for doing so.  I am not a spittoon nor a door mat. The training is not easy for student-drivers. I understand that. It is not easy for me either.  If you have no interest in learning to drive better, I will honor that. Let me know so I can save my breath and energy and provide only the legal minimum effort.  Why do more?

    E.  After I correct you and explain why what you did behind-the-wheel was unsafe or illegal, please do not provide justification, rationalization or argument regarding why you drive poorly or in violation of traffic laws. Confronting or attacking me about your dislike of traffic laws just eats up time, creates a strained environment and changes nothing regarding your situation with your license status and I will charge you more for the added stress, irritation, danger and for wasting training time and my energy. I do not work harder for free.

8. CERTIFICATION AND STATE RECORDING OF YOUR TRAINING.
     A.  Certification of completion of your training is accomplished electronically between me and the State.  You will not need and will not receive a paper copy of your completion notice.  I will notify you when your completion is recorded by the State.  You can, the, contact the driver license office to schedule.  If I do not contact you within three business days, it is your responsibility to contact me to find out why the delay. 
     B.  You, the Client (financially responsible person), commit to checking your email and your voice mail for a contact from me no less than once every 24-hours from the date of your first contact with me until our business is completed, and one hour before your scheduled training appointment.
                                                                            9.  DISCLAIMERS                                  
     A.  I (Joda Collins) may not offer another door-to-door service if the Client cancels, misses, reschedules training or is not able to take the training due to no fault of mine.             
     B.  Please understand that those I serve are in a position to ask me to do anything for them, however, those I serve are not in a position to demand that I do everything they demand or ask.           
     C.   I, the Client and, I, the Student-driver, will not hold nor attempt to hold Joda Collins responsible or accountable for any ramifications, financial or otherwise, that arise because I did not read or did not understand the content or intent of any legal document.
     D.  Additional disclaimers, as noted in Contract Four, also apply.
     E.  It is my (Joda Collins) responsibility to verify your license is valid or you have the valid letter from the State that serves as your temporary permit for the training before providing training.        
         (1). Errors or expense to you of any and every kind due to you not knowing if your driver license is or is not valid are your expenses, not mine. 
          (2).    IF YOUR DRIVER LICENSE IS NOT VALID OR WILL NOT BE VALID AT THE TIME OF TRAINING, PROVIDE THE ORIGINAL OF YOUR DRIVER PERMIT (LETTER) THAT AUTHORIZES YOU TO DRIVE FOR THE FOUR-HOURS OF TRAINING.   IF YOU DO NOT HAVE THAT DOCUMENT, CALL 850 617-2000 ANY NON-HOLIDAY WEEKDAY BETWEEN 7:01 AND 7:05AM (TO AVOID LONG HOLD TIMES) AND REQUEST THAT DOCUMENT/LETTER.
     F.  I am not an employee of the State of Florida. I have nothing to do with any driver's arrangements or association with the State of Florida.  I will not assume any responsibility that arises as a result of any other person's association or business with any Driver License Office, State of Florida or any agency of the State of Florida.

​

​​

​​

​​

Most people will use this Contract. Before I will quote a price/charge, the Client (financially responsible person) must read, at least, the red print of Contract Four and all of this Contract (Contract Six).

   CONTRACT SIX   
CHARGES AND FEES FOR 60 TO 360-MINUTE LESSONS                                                         August 26, 2025 

Edited charges to 9/4/25 to reflect an overall approximate 7% increase for all applicants on or after 9/5/25.

I suggest that as you read this, you make a written list of the parts you do not like, if any.  Feel free to ask me (Joda Collins) to change what you do not like.  I am more interested in a meeting of the minds than I am that every detail of the below information remains unchanged.  I will consider any change except for reducing my charges.                                                       If you are a 3-in-3 driver, this is NOT your Contract. See Contract Seven.  If you do not know what 3-in-3 driver is, this is probably your Contract.

I will walk you through this process one step at a time. The typical process that leads to scheduling is:
      (1).  Registration
      (2).  The Client (financially responsible person) reads, at least, the red print of Contact Four.

      (3).  The Client reads Contract Six (this Contract).  

      (3).  Agreement on Services.                       (4).  Agreement on Charges.                  
      (5).  Agreement on Contacts Four, Five and Six.                                                              (6).  Payment received.          
      (7).  Scheduling

      (8).  Training

While I will make minor variations in this process to meet needs, please do not ask me to serve you out of this order.  Putting the cart in front of the horse is always a formula for failure, frustration and a waste of time, money and energy.

              TABLE OF CONTENTS

SECTION 1:  YOUR TO THE PENNY                                CHARGE
SECTION 2:  FIRST LESSON FREE                                TRAINING - TIME LIMIT
SECTION 2:  PAYMENT POLICY              
SECTION 3:  NON-BINDING ESTIMATE                          OF FUTURE PROGRESS
SECTION 4:  AFTER LESSON WRITTEN                        REPORT
SECTION 5:  USE OF VEHCILE FOR                                PERSONAL USE
SECTION 6:  FINANCIAL MATTERS

                      A.  Payment Policy

                      B.  Refund Policy

                      C.  Consider the Expense,                                  Liability and Experience.

                      D.  Fees are per Student

                      E.  Itemization of Standard                                 Charges for Lesson One                          F.  Itemization of Additional                               Charges.                                                  G.  Hybrid Payments.                                    H.  Training Day                                             I.  Removed.                                                J.  Paying with a Card                                  K.  The Charge for Lesson                                 Two and Following.

                      L.  Rebates

SECTION 1:  YOUR TO THE PENNY CHARGE 
      A.  The financial matters are difficult to calculate because there are a lot of service variables and charges are linked to services. To get a fee quote, provide the following information by email to jodacollins@aol.com .  You can copy and paste this section to an email or you can simply type in letter such as (a), (b) or (c).          A few questions are fill in the blank (answer with words).
      B.  Charges are guaranteed for 30-days from the original offer in an email, 45-days from original payment for lesson one, and/or 90-days from the completion of the most recent paid for lesson.                    
      C.  You can change your mind about anything below, later.
      D.  Because charges are tied to services, and services are varied, a one-price quote fits all is not possible.  If you answer the following questions, I will provide a to-the-penny quote. In all that follows, the first option costs less.

      E.  It is very important that you get a fair idea of the content of this Contract in full, before submitting the answers to the questions below.  Doing so, will avoid confusion, difficulties, added effort and lost time.  You need not have a 100% understanding of everything in this Contract before submitting the answers to these questions.  One slow and careful read is sufficient for now.
            1.  Will you be using your insured vehicle or the Joda Collins Driving Academy vehicle for over-the-road training?  The driver must be insured to drive the vehicle, not just the vehicle insured.                                             
                (a).  The Client's insured vehicle.                  (b).  The Joda Collins Driving Academy Vehicle.
            2.  Will you be using your insured vehicle or the Joda Collins Driving Academy vehicle for parking and/or three-point turn training?                                                        (c).  The Client's insured vehicle.                  (d).  The Joda Collins Driving Academy Vehicle.
            3.  Do you anticipate you will be training for the first lesson on a: 
                (e).   Tuesday, Wednesday or Thursday?
                (f).   Or, a Friday or Saturday?
             4.  Are you the Client (financially responsible person)?  
                 (g).  Yes.                                                       (h).  No 
             5.  Will you be able and willing to complete all future communication about the Contract, services and fees by email, rather than by phone or voice mail?                               (j). Yes                                                           (k). No.
             6.  Do you want to begin and end lessons at:
                   (m).  My start/end location at 3804 Garcon Pointe Road, Milton, 32583 (1/10th of one mile off of I-10, 6.5 miles East of Pensacola), or
                   (n).  Any other address.  Provide the full physical address including zip code.
             7.  The quote for training will be for a 75-minute lesson unless you ask for a quote for more or less than 75-minutes.  Training can be anywhere between one-hour and six-hours per lesson.  Generally, the most productive time frame is between 75-minutes and two-hours.                                            (p).  I would like a quote for 75-minute lessons.   

                  (q).  I would like a quote for _____-minute lessons.

SECTION 2.  FIRST LESSON FREE TRAINING TIME LIMIT
Please set aside about 20 to 45-minutes for meet and greet, paperwork times and show and tell.  I, usually, spend a few minutes showing and telling a driver some key information  at the start of lesson one, with me behind-the-wheel.  For  the first lesson only, if I state to a client and/or driver that the driver's time does not  start until driver is behind-the-wheel, that means the driver's time starts when he or she first gets in the driver's seat, however, the paid training time includes  all the time I am showing driving skills behind-the-wheel AFTER the driver is first behind-the-wheel.  After lesson one, all time, including time I am training the driver  by showing skills behind-the-wheel, is paid driving time.  I use my time behind-the-wheel to train when it most benefits the student's understanding and quicker progress.                                                       
SECTION 3.  NON-BINDING ESTIMATE OF FUTURE PROGRESS
    A.  If, and only if, I invite the Client to ride and, if and only if, the Client accepts my invitation and rides for the first 15 to 20-minutes of the first lesson, I will, usually, provide a Non-binding Estimate of Future Progress
    B.  It is not easy to determine the future, especially since there are many variables outside of my control. Therefore, the estimate of future progress is not a guarantee or a prophesy.  It is, non-binding.  That means it is my best educated guess for which I  assume no responsibility if I am wrong in by guess. However, after 17-years in this business, I am seldom off by much
    C.  Driving between lessons will probably increase number of lessons I will need to have the driver at his  or her driving training goal because it breaks the continuity of the training, and usually gives me more correction to administer as most students are taught  the bad driving habits by others, do not correct many bad driving habits, or correct them out of sequence since not every bad driving habit can be corrected at one time.  All of the above, add professional driving time.  If the driver is licensed and driving alone, he or she will not be trained well enough in skills not yet learned to practice them correctly.  Perfect practice makes perfect.  Imperfect practice equals more money and time in professional training to overcome  solidifying bad driving habits practiced between lessons.
    D.  If there are any learning disabilities or obstacles I do not know about before I provide the Non-binding Estimate of Future Progress, the Non-binding Estimate of Future Progress is null and void. 

SECTION 4:  AFTER LESSON WRITTEN REPORT                   

A.  After lesson reports can vary a great deal from lesson to lesson for the following reasons.
         (1).  The mood and/or concentration of the Student-driver.
         (2).  Traffic conditions.
         (3).  Weather conditions.
         (4).  Regression of the driver.
         (5).  Sudden spirts of driver improvement that may or may not carry on to the next lesson.
         (6).  The route chosen to drive.
         (7).  More....
                (a).  Reports are intended to give a general overview of progress, not a guarantee that the abilities noted in any lesson under direction, are abilities that are automatically habit.  Being able to do a skill under direction, is not the same thing as being able to do it as a habit.  Habits are established by repetition not by the  occasional victory or the ability to follow directions only when/at the time directions are given.                                                                
SECTION 5:  USE OF VEHICE FOR PERSONAL USE
I do not loan or rent my vehicle to others to take their State driving exam.                                    
SECTION 6. FINANCIAL MATTERS

A.  PAYMENT POLICY          
      (1). I require full payment for lesson one before scheduling.
      (2).  With one exception, lesson two and following does not have to be paid for in advance of scheduling but must be paid for before the start of the lesson; however, I might require clients (the financially responsible person) under the age of 26 to pre-pay for all lessons before scheduling.          (3). Unless otherwise informed, only the non-refundable fees will be immediately or soon charged to your card. The balance for lesson one will be charged to your card within 24-hours of your appointment.  If, however, you are paying with a money order or cashier's check, full payment for lesson one is required before scheduling.           (4). Unless otherwise informed, non-credit or debit payments for lesson two and following can be made at the start of each lesson or any scheduled lesson(s) can be paid for in advance AFTER the completion of lesson one.  After lesson one is completed, unless otherwise agreed on, I accept scheduling and payment for up to six more lessons or two months in advance, whichever is less.         
                    
B.  REFUND POLICY                 
      (1).  To secure a full refund of unused funds, excluding non-refundable fees, the Client must provide a minimum two-hour notice.  I do not refund money paid for services already rendered.  Those fees are noted herein as "non-refundable."                              (a).  The Registration Fee and Scheduling Fee (noted as non-refundable) are non-refundable because they are payment for services already provided.

C.  CONSIDER THE EXPENSE, LIABILITY AND EXPERTISE NEEDED
      It is not easy to make a living running a driving school in Santa Rosa and  Escambia Counties.  It takes a small fortune to operate a professional driving school and the amount of business in Santa Rosa and Escambia County is very limited.  This is partly because many high schools still provide driver training and Santa Rosa ranks 24% poorer in household income compared to the average income of other Florida Counties.  
     "Escambia County...is experiencing significant financial hardship....  The county's poverty rate is higher than the State average....nearly half of Escambia County citizens struggle to meet basic needs...."  Source:  How poor is Escambia County, Florida, compared to the rest of the Florida counties. - Search
      In 2024, my take home pay was $12.18 per hour with no benefits; no vacation, no medical or dental insurance, no sick days off with pay, no 401K, and nothing else.  When you consider my charges, please take into account my less than impressive income and the life and death challenges of what I do for a living.  
      If I wasn't working 60-hours per week and I did not have a small second income, I could not make a living with this driving school.  If I did not feel like my service saves limbs and lives, I would not do this.   My profit is my income.  My profit in 2024 was just below the hourly minimum wage.
      Also, there is a tremendous amount of liability as a driving school owner. When considering my fees, please also consider my safety track record and my expertise.   I am crash free in my training vehicle after more than 3,000 students, 1,400 training hours and more than 250,000 training miles.  I was professional chauffeur, drove bob-tail truck for 10-years, drove 15-passenger military transport truck, 18-wheeler diesel truck, a motor home with car in tow, and taught others how to be professional driver trainers.  I teach for the Vocational Rehabilitation Service in  Escambia and Santa Rosa Counties.  I have successfully trained hundreds of students with a variety of learning obstacles, including those that have tried for years to secure a driver license or become safe drivers but without success, including many that have had many hours of professional driver training elsewhere.          I do not think you will not find a more-qualified driving instructor anywhere.   

      My service is not cheap.  A person can get a meal at McDonalds or the finest steak house.  At both places, the customer can leave with a full stomach.  The charge between the two restaurants will be significant.  There is some merit in the age old saying, "You get what you pay for."  I cannot bring myself to charge discount prices because I cannot bring myself to provide discount-level service.  The stakes are too high, life and limb.
                                                  
D.  FEES ARE PER STUDENT, not per client.

E.  ITEMIZAION OF STANDARD CHARGES FOR LESSON ONE           

The fees noted contain a 7% discount if you are paying with a money order, cashier's check, or (if approved) a personal or business check) rather than a card (Visa or MasterCard accepted). Multiply all payments by 1.0739 to calculate payments with a Visa or MasterCard.  Because of rounding charges, or dropping cents, the final charge will be within one-dollar per hour of training lesson no matter the calculation method.  Multiple calculations will not occur to raise or lower the charge by that maximum $1 per hour. 
    (1). Enrollment Fee...........................$49            (a).   Non-refundable.     
    (2).  Appointment/Scheduling.............$25
           (a).  This $25 fee is non-refundable and non-transferable to any other date, time or person. Under most conditions, I will not schedule more than one lesson to start.  I will, however, do my best to keep    my calendar clear for all dates/times            requested in advance.   This means there is a $25 savings for two lessons, $50 for three, $75 for four, $100 for five, and $125 for six lessons that are scheduled with one email, paid for with one payment and not missed, cancelled or rescheduled for any reason other than fear of adverse weather for which, at least, a one-hour notice is provided.                 
           (b).  To purchase a packet of lessons (after lesson one) of two to six lessons (in addition to lesson one) subtract
10% from your payment.  This benefit along with the corresponding (c) immediately below will be removed from all offers beginning September 15, 2025. Those who inquire about charges before September 15, 2025, will have this benefit as long as the first lesson occurs before October 15, 2025.
           (c).  To secure this benefit, all lessons must be scheduled with one email, paid for with one payment and no lesson is missed, canceled or rescheduled for any reason including any    reason that is not your fault (unavoidable),  except for fear of adverse weather for which, at least, a one-hour email notice of cancelation is provided, forfeits the 10% discount on ONLY that lesson. 

    (3).  After Lesson Progress Report......$6
This is a mandatory report because it is important for the student's progress    and necessary for me to be best    prepared for coming lessons.    

    (4).  Removed

     (5).  Multiply the number of minutes        for the lesson (60 to 360 minutes)        times $1.984, delete cents and place    that amount on this line is................$____ 
     The best training results, usually,                 occurs when lessons are 75 to                    120-minutes long.

    (6).  Removed.

F.  ITEMIZATION OF ADDITIONAL SERVICE CHARGES       

      (7).  Use of the Joda Collins Driving Academy Vehicle for over-the-road training, multiply the amount in 5 above   by:
             (a).  20% if training on a    Tuesday, Wednesday or Thursday and delete cents...............................$_____
             (b).  30% if training on a     Monday, Friday or Saturday and delete cents.....................................$_____ 
    (8).  If there is more than one Client  (financially responsible person) there      is an additional charge of $40.00.               If there is only one Client, enter $0.       ($40 or $0?)......................................$____
  This covers the additional admin                        expense. This fee is non-refundable.

    (9). If the Student-driver and the        Client (financially responsible person or Agency) are NOT the same person, and in addition, the Client does NOT live in the same            residence as the Student- driver,          enter $18 on this line. Otherwise,          enter zero dollars on this line. ($18            or $0?)..........................................$_____    

    This fee, covers some of the     additional admin expense, and             once paid, is non-refundable.

   (10). If the Client does not have/use   email, this requires a lot of additional admin work for which a one-time           non-refundable charge of $100        applies. If the Client does not have an email address, enter $100 on this    line. If the Client does have an email      and will use it, for all (100%) communication regarding the     Contract(s), fees or scheduling,            after my first contact with the Client enter zero dollars on this line.              ($100 or $0?).................................$_____       This fee, covers some of the                        additional admin expense and                      once paid, is non-refundable. 

   (11).  If the driver is using the               Joda Collins Driving Academy          vehicle for parking and/or three-point turn, and/or the quick start and/or            the quick stop training, enter $20 on       this line. If the driver is using any         other vehicle for parking and/or          three-point turn, in which the driver is specifically insured, enter zero       dollars on this line. ($0 or $20?)......$_____

While I do not use my vehicle for the   driver to memorize the steps by          doing them, I do show the three-point    turn to the driver, thus dry steering        and/or semi-dry steering is necessary.   This fee is for that vehicle use and       wear and as an incentive for drivers         to use any vehicle other than mine for parking and/or three-point turn training.

    (12).  Insurance Verification Fee
If any vehicle other than the                  Joda Collins Driving Academy vehicle        is used for training, I verify the        Student-driver is covered by your    insurance policy.  The fee for this      service is $9.00. Enter $9 or $0 on          this line............................................$_____                                     
    (13). Door-to-door charge is $2.75 per round trip mile, per lesson.             Enter the total charge if using              door-to-door service or $0 if not           using door-to-door service..............$_____

G.  HYBRID PAYMENT(S)                               (14).  If some payment is made with a Visa card or Mastercard and some payment is made in any other form  (charge for extra   administration requirement) enter $13 on this line, otherwise enter $0  ($0 or $13?)......$_____

H.  REMOVED.

J.  TRAINING DAY

     (16).  If training occurs on a Monday,  Friday or Saturday, enter 10% of the  amount in line 5 above on this line          and delete cents...........................$______

    (17).  What is the total of lines 

1 through 16? (deleting cents)?.......$_____
      This is your payment if you are    paying with a money order, cashier's   check or, if approved, a personal or business check.  It includes a 7%    discount for not paying with a card      (Visa, MasterCard or Discover Card accepted).

K.   PAYING WITH A CARD

      (18).  If you are paying with a card     (Visa, MasterCard and Discover accepted),  multiply the amount in           line 19 above by 1.0753, delete cents and place that amount on this line.................................................$______

 L.  THE CHARGE FOR LESSON TWO AND FOLLOWING is the the total of the charges above in (2), (3), (5), (7), (13) and (18) minus (1) immediately below.  However, I (Joda Collins) will provide a to-the-penny charge for lessons two and following when I provide to you the to-the-penny charge for lesson one, unless it is specified that you desire only one lesson.

       (1)  AFTER LESSON ONE AND STARTING WITH LESSON TWO, only one Scheduling Fee of $25 is charged for one to six lessons that are scheduled with one email and paid for with one payment and do not miss, cancel or reschedule any lesson for any reasons, including a reason that is unavoidable (not your fault), with the exception of fear of adverse weather for which a minimum one-hour notice is given.
              (a).  After lesson one there is a savings of:
                     (a).   $25 for two lessons in                                   addition to lesson one. 
                     (b).   $50 for three lessons in                                addition to lesson one.
                     (c).    $75 for four lessons in                                  addition to lesson one.   
                     (d).  $100 for five lessons in                                 addition to lesson one. 
                   (e).  $125 for six lessons in                                   addition to lesson one.    

        (2).  Missing, canceling or rescheduling a lesson does not negate the entire savings, but doing so does reduce the savings to previous (lower) figure.
          (b).  In addition, there is up to a $10 per lesson Rebate for lessons of, at least, 75-minutes.  See Rebate Section (M) below.

M.  REBATE POLICY FOR LESSONS OF, AT LEAST, 75-MINUTES IN DURATION.  
       (1).   Rebates are calculated on a per student basis, not on a per client basis and on a per lesson basis for lesson of 75 to 360-minutes in length, not on a per minute basis.  Thus, there is no combining of students under one Client.  And, for example, lessons of 150-minutes do not earn twice the rebate compared to lessons of 75-minutes.
       (2).  Beginning any time after lesson one, schedule all lessons with one email request, all lessons are at least 75-minutes long, all lessons are paid pay for with one payment shall receive the below designated rebate at the start of the last lesson in that series of lessons if none of those lessons are missed, canceled or rescheduled for any reason, including a reason that is not your fault or unavoidable, except for fear of adverse weather for which a notice of at least one-hour is provided minus
       (3).  The very first lesson does not receive credit for Rebate consideration.  Rebates amounts are as noted below regardless of the form of payment received from Client for lessons.
             (a).  One lesson (after lesson one) = $0 rebate.               
             (b).  Two lessons (after lesson one that are scheduled with one email and paid for with one payment) = $7 rebate at the start of second lesson in this series of lessons. The very first lesson does not receive Rebate consideration.
             (c).  Three lessons (after lesson one that are scheduled with one email and paid for with one payment) = $15 rebate at the start of the third lesson in this series of lessons.  The very first lesson does not receive Rebate consideration.
             (4).  Four lessons (after lesson one that are scheduled with one email and paid for with one payment) = $25 rebate at the start of the fourth lesson in this series of lessons. The very first lesson does not receive Rebate consideration.
             (5).  Five lessons (after lesson one that are scheduled with one email and paid for with one payment) = $40 rebate at the start of the fifth lesson in this series of lessons.  The very first lesson does not receive Rebate consideration.
             (6).  Six or more lessons (after lesson one that are scheduled with one email and paid for with one payment) = $10 per lesson at the start of the last lesson in this series of lessons. The very first lesson does not receive Rebate consideration.