1. When I took my broker, I beg to have someone help me to pass or to teach me but in vain. I ask Mr Ho but he advised me online and forgot to tell me at all (not mentioning I expired my online class $400).
LESSON: don't forget other's request and let other go

2. When I pass my first exam, I said if it is over 70% I try again. The result is 71%. (this is unexpected coincidental and if you believe in String Theory and other-than-4-dimension, then ...). I said "try again". I did and my 2nd trial is completed months later. I don't believe that I passed so I even paid for the agent exam already. No more. Weeks later I passed so I have to keep my promise: "teach at least 1 afterward". Today, Mr. Reader know how many students I have.

3. The difference of my teaching and other's :
a. No office's lecturer will call u and ask u months later to persist in learning.
b.