There are also cram schools which teach you how to pass the test.There are community colleges offer these courses where you have to write a term paper and go through midterm, and final. 

Well and yet, I would advise to apply here  Australia Papers Owl there are very cool specialists who can even help with the essay.

It has its flaws, but the customer now knows that if they have all the numbers on paper, it is a scam.

I used to be 100% paper equities and was a series 7 licensed stockbroker.

Even though the paper loss hurt, I continued to buy during the downturn and have been rewarded quite nicely. 

I recommend putting your numbers and margin of error on paper and sticking to it.

I have no research or white paper, but based on value to purchaser, people are less willing to owner occupy a building where most other residents are renters.

So far I haven't been able to find a bank or credit union who's willing to put that on paper with one of the biggest factors being my self-employed status and only having one years worth of taxes at the moment.

Just because someone qualifies on paper doesn't mean you and they will get along.

Grade inflation & price inflation are real things and I believe there is a need for reform in the education system - that being said learning finance & getting the piece of paper still hold some value.