It's NEVER too late. I wish you were in this area. I would never charge, but one of the most satisfying things I do is help people learn guitar. I currently help three kids from a family I help, three mid-level players who want to learn jazz and a VP at one of the financial institutions I do contract work for.
Lessons are GREAT, but some professional teachers intentionally dole out things in a manner designed to maximize the number of lessons students buy.
You already have a lot of the basics. If you decise to proceed, email me and I'll try to help with some shortcuts. Guitar is a great instrument, and easy to understand (the basics, anyway) if you get the right start.
Good luck!
Russ
[This message has been edited by captain Russ (edited 04-16-2009).]