Jay Parke wrote:Basically, I am trying to have something that is short and sweet and helps me make sure I get paid.
As others have said, this is not a reasonable expectation for a contract. A contract doesn't write checks. It just establishes expectations, and maybe gives you some recourse if those expectations are not met. No contract is of any value at all unless someone is willing to go to court. You still have to look people in the eye and determine how much you trust them.
Bloke is right: If most parents can afford Starbucks and payments on a $30,000 pickup truck (or the $40,000 bass boat they haul with it), they can pay for a semester's worth of lessons up front.
He is also right that you should have enough of a contract to establish expectations for what happens in the case of problems. Those situations might well end up in court. If the student falls on his pencil or trips on your front stairs, expect to be sued. Even if the parents don't sue you, their insurance company might. Make sure you insurance covers such eventualities, even in the commercial setting of offering lessons, because you cannot contract away your liability for negligent acts, such as forgetting (or not knowing) about the loose stair tread, etc.
And always provide yourself, in writing and signed by all parties (particularly the parents of minors), the ability to terminate the lessons at any time for any reason whatsoever. Make it fair--reminburse the parents for unused lessons less a reasonable handling fee--or it might get overturned in court. In small claims court, the clear establishment of good-faith expectations usually carries the day, in my non-professional experience. If you can terminate the lessons for any reason, then you don't have to explain what that reason is, or prove it in court.
So, liability indemnification and termination are the real reasons for a contract because those are the most likely to end up in court, even if you also have payment terms in there. But do not enter into a contract with someone who you would make you uncomfortable without a contract. The contract won't keep you warm at night, and it makes a lousy pillow.
Rick "who worries most about successors and assigns, who often look on the misfortunes of their relatives as opportunities to enrich themselves" Denney