Real Estate Exam Prep Course

     If you have passed your North Carolina real estate school exam, congratulations!  You still have to pass the North Carolina real estate exam given by AMP.  It costs $164 to take the North Carolina real estate exam the second time.  Pass it the first time.

     Last month, fifty nine per cent of the real estate license applicants that attempted this test, passed it the first time.  Forty one per cent of the applicants will be paying $164 to try again.

     One way for you to find out if you are ready for the North Carolina real estate exam is to take my practice exam at www.ncreexam.com .  This is not only a great practice exam.  It is a learning experience.

     After you take the test, I come on video and explain the answers.  I have a practice test for the national portion of the North Carolina real estate exam.  I have a practice exam for the "North Carolina" only portion.  You have to pass both portions to get your North Carolina real estate license.  You can share the above link with your classmates.  Take my practice test BEFORE you go take the $164 AMP test in Asheville.

Paass your real estate exam the First time

    Here is a suggestion.  Make passing the North Carolina real estate exam a group effort.  Share the above link with your classmates.  Share any helpful information that you find with your classmates.  If you bought the "Guide to Passing the AMP Real Estate Exam" from our website at www.firstrealestateschool.com ,  share that link with your classmates.  If you wasted your money on some bad stuff on the internet, let your classmates know that too.

     With my practice test, you can invite several of your classmates over and take the practice exam together.  Watch the videos together.  You can take the practice exam as many times as you like.

     Here is another suggestion.  Invite a few of your classmates over and watch my free You Tube videos to help you with the real estate math.  There is no math on the North Carolina real estate exam that I don't have on You Tube.  Here is an example.  https://www.youtube.com/watch?v=y4b78lDQtfE&t=411s   Many real estate instructors teach the real estate math waaaaaaay too fast. I teach it slow.  You don't have to raise your hand in front of twenty friends if you don't understand.  Just hit rewind. 

     I have received thank you letters from students from all over North Carolina thanking me for providing the free You Tube real estate math videos.  The North Carolina real estate exam is 15% arithmetic.  It is very difficult to pass if you can not amortize a mortgage or compute the seller's net check at closing  or tell the buyer how much cash to bring to closing or compute per cent of profit or compute interest or determine value when given capitalization rate and NOI or determine square feet of a house with a bay window.    I have a video posted for anything that is on the exam.

     Tell your classmates about the free math videos.  Make passing the real estate exam a team sport.  Before your real estate class is over, get the contact information for your classmates.  Share information that you find online.  The North Carolina Real Estate Commission  has a website that is full of information to help you pass the exam.  www.ncrec.gov   Who would not appreciate information to help them pass? 

     After your classmates pass the North Carolina real estate exam, call and congratulate them.  Working together, studying together is a good thing.  Watching my You Tube videos together can be fun.  Please leave a comment at the end of this article.  Tell us some study methods that work for you.

     If you are anywhere near downtown Hendersonville, First Real Estate School at 404 S. Main St.   would love to help you get your North Carolina real estate license.  828 440 1064

Post License Real Estate Course in North Carolina Near Asheville in Hendersonville (2018)

First Real Estate School at 404 S, Main Street in Hendersonville, North Carolina will be teaching a post license class (302) on January 12, 2018.  This is a Friday.  The class will meet every Friday for four Fridays.  This is the 12th, 19th, 26th and Feb 2nd.

This is one the post license real estate class that every provisional broker has to take before the anniversary of passing the North Carolina real estate exam.  There is a choice of three courses.  This course is Contracts and Closings.  The tuition is $180.

First Real Estate School will loan you the textbook

The North Carolina Real Estate Commission publishes the text book for this course.  It s called the "North Carolina Real Estate Manual"   This textbook costs $44.  That is because they charge by the pound.  It is 850 pages.  At First Real Estate School, we supply the textbook for you.  We loan it to you like high school.  Unlike high school, we do not care if you write in the textbook.  They will be obsolete in a year.  You do not have to buy a textbook.  We don't sell them. We loan them to our real estate post license students.  The cover is blue.

There is an exam for this class.  We teach you what you need to know to pass that test.

Many students tell me that this class is dull at some real estate schools.  It is not dull at First Real Estate School.  Read our Google reviews on our website at www.firstrealestateschool.com

If you received your North Carolina real estate license in 2017, join us for your first, second or third post license class.   Please send an email to your old classmates from pre license class and tell them about this class.  If you have already attended one of First Real Estate School's post license classes, please leave a comment about your experience.

Call us at 828 440 1064 to enroll in this post license course.  You must take this class at some North Carolina real estate school before the anniversary of your getting your first North Carolina real estate license.  Check with the North Carolina Real Estate Commission  www.ncrec.gov for details.

To Be Terrific , Be Prolific

     In Gary Keller's book, "The Millionaire Real Estate Agent", he quotes another book, "Art and Fear"  by Bayles and Orland .  In "Art and Fear"  the author describes a college course in pottery where the professor gave the class a choice about how to be graded.  They could be graded on quantity or quality.

     One choice was to turn in one piece of pottery.  Your entire grade depended on the quality of that piece.

     Your other choice was to to be graded on how many pieces of pottery you could create  during the course.  Fifty pounds of clay equals an A.

     At the end of the course, the quantity people made the best pottery.  Of course!   They had the most practice.  Can we apply that to what we do?  If you start off 2018 with fifty houses listed in your inventory, I will bet that you have a good year.

     If you start the year with one really good, red hot, clean, well priced, motivated seller, good terms, staged, listing, I will bet on the guy with fifty ho hum listings.  He will make the most money in 2018.

     What if only half his listings sell?   That is still 25 closings.  QUANTITY !

First Real Estate School in Hendersonville 

     You are reading this blog post.  What if you don't like it?  I have 100 more.  Try another one.  If  I write a lot of blog posts, I am bound to write one that will attract a seller or buyer to contact me.

     If I only write one blog post, it better be goooooooood.

     If you call ten prospects per day, maybe one of them will list with you.  If you only call one prospect per day, you better be really smoooooth on the phone.

     Be prolific in your prospecting.  Be prolific in your blog writing.  Be prolific in everything you do if you want terrific results.

     Quantity will prevail.  As quantity increases, quality will follow.  There is an old time tested cliche : "Practice makes perfect." .  It is true.  Lots of practice makes perfect.

     Practice your listing presentation every day.  Practice it on a forsalebyowner or maybe some poor soul that has had the misfortune to have his listing expire in the MLS recently.

     Practice your skills prolifically .  You will love the results,

     If you live near Hendersonville, call us at Keller Williams if you want a new career.  828 755 6996 or www.firstrealestateschool.com

Can Real Estate Agents Learn To Be Creative?

     I love having my grown daughter live forty miles ( instead of 500 miles) away from me.  She moved to Asheville last year. 

     I talk to her more.  I see her more.  We learn from each other more. 

     One of the biggest advances in my business occurred last year when I created my Teachable course about passing the North Carolina real estate exam at Amy's behest.  To say the least, this was a big chore for me.  My daughter, Dr. Amy Climer aka Ms. Creative, suggested that I create this course. 

     "Dad, It will be easy.  It is practically done for you."  she told me.  By the time I was through getting my first course up on Teachables, I felt like I had become a computer expert.  I learned about Hand Brake  and several other programs that I did not even know existed .  I must admit that the second course was much, much, much easier to create. 

     Now, it is done.  Once you learn something, you have it.  It is yours.  You own it. 

     Knowledge truly is power.   

We are all creative.  Create a new career in Hendersonville.  

     

     Having this course available gives me a place to send strangers when they call me and ask me for help to pass their North Carolina real estate exam.  www.ncreexam.com  Here is a link if you need inexpensive help. 

     I received a call yesterday from a stranger in the flat end of the state.  He told me that he passed the national portion of the North Carolina real estate exam but he failed the North Carolina portion.  He had taken the state only portion four times ( at $164 per opportunity).  I suggested that he  take my ten dollar test at www.ncreexam.com   He thanked me.  He only needed a couple of more points to pass this forty question test.   It felt good to be able to help someone that needed help with something that I had created.

     If I had not taken the effort to create this course six months ago, I would not have it available to help him today.  Creativity lasts forever. 

     Put some creativity in your life .  Put some creativity in your sales team's life.  Teach them to be more creative.  Teach them to solve problems. 

     My daughter has taught me a lot about creativity.  That is what she does.  She teaches teams to solve problems.  If your team needs more creativity, contact her at www.climerconsulting.com  . 

     If you need to get a real estate license in western North Carolina, contact me at www.firstrealestateschool.com  

     Make 2018 a wonderful milestone year in your life. 

How to Choose The Best Real Estate School in North Carolina

     Is the location of a real estate school important?  It certainly is.  You need to consider how far you are willing to drive to real estate school.  How far is the real estate school from where you live? 

     What about price?  Is that important?  Unless you have money to burn, price is important.  First Real Estate School at 404 S.  Main Street in Hendersonville charges $300 for the basic pre license class that is required by the North Carolina Real Estate Commission to get your North Carolina real estate license.  That price includes the textbook.  https://www.dearborn.com/product_updates/just-released-modern-real-estate-practice-in-north-carolina-9th-edition/ 

     What about the instructor?  That would seem like the most important thing to me.  Is the instructor dull?   Is the instructor monotone?    Is the instructor condescending?  Does he know his stuff?  How can you know the answer to these questions? 

First Real Estate School in western North Carolina 

     Watch him or her teach on You Tube.  https://www.youtube.com/watch?v=EZFPZGo_DJ4&t=377s  You Tube is not new.  I have over 100 videos posted on You Tube to help people pass the North Carolina real estate exam,.  I get thank you emails from real estate students all over North Carolina thanking me for having these real estate math videos available. 

     You can watch these videos before you show up in class.  You will know if I am the kind of instructor that you would like to spend seventy five hours with.  If you are soon taking a real estate class, find out who the instructor is.  Check him or her out. 

     If he is dull boring and condescending, it will be a long 75 hour real estate class.  There is not much titillating material in a real estate textbook.  A good instructor can make it better or worse. 

     If you live anywhere near Hendersonville, North Carolina and need a real estate course, check out First Real Estate School.  www.firstrealestateschool.com   We would love to help you get your North Carolina real estate license. 

Pass Fail Statistics for North Carolina Real Estate Exam for November 2017

    The North Carolina Real Estate Commission revealed these statistics today.   In November of 2017, six hundred and forty eight real estate license applicants took the North Carolina comprehensive  real estate exam from PSI for the first time.  Three hundred and eighty of these applicants passed and got their real estate license. 

     Two hundred and sixty eight of these real estate students will be paying $164 to try again.  That is a 59% pass rate.  Please do not underestimate this exam.   It is a tough,tough, tough real estate exam by any definition. 

     Last month, 190 repeat test takers took the North Carolina real estate comprehensive exam for the second or third or fourth time at $164 per opportunity.  Thirty of these repeaters passed.  Sixteen per cent passed.  Eighty four per cent failed.  If those 160 applicants that failed want a real estate license, will be paying $164 to try again. 

     These are dismal statistics.  What can you do?   

The North Carolina real estate exam is tough

     You can quit underestimating the real estate exam.  You can quit studying just hard enough to pass.  Study like you intend to make a 100% on your real estate test. 

     This is not a study tip.  This is just common sense.  When you go to take this expensive real estate exam in Asheville, leave a writing pad or a recorder on the seat of the car.  If you fail, before you leave the parking lot, write down the 36 questions that you missed.  You don't have to write down the whole question.  Just write what it was about. 

     For instance, if you saw a question about the Machinery Act and you have no clue what the Machinery Act is, when would be a good time to learn?  Before or after you pay $164 to see the same question again. 

     I talk to people that have failed the exam,.  I ask them, " What was a question that you saw that you did not know?".  " I can not think of one." is my most frequent answer. 

     Write them down before you leave the parking lot.  I can understand how someone could underestimate the North Carolina real estate exam the first time.  How could anyone possibly underestimate this exam as a repeat test taker? 

     If there was any real estate arithmetic problems that you did not know how to do, please do not go back without learning how to do these real estate math problems. 

     Any math that is on the North Carolina real estate exam is on my You Tube channel.  All you have to do is watch the free videos until you know how to do the math.  Here is a link to one of my real estate math videos.  https://www.youtube.com/watch?v=4HbEwoiVBMY 

     It will cost an applicant $164 to take the North Carolina real estate exam.  If you want to know if you are ready, take my practice exam at www.ncreexam.com  When you take this practice test, the answer key is me explaining the answers on video.  You can watch it as many times as you like.  Watch it until you can make a 100%. 

     Read appendix A in your textbook.  Do all the practice tests in your textbooks.  Get together with your classmates and study. 

     If First Real Estate School in Hendersonville can do any thing to help you pass the North Carolina real estate exam the first time, contact us at www.firstrealestateschool.com 

     One last thought!   Read this article http://rondclimer.blogspot.com/2017/09/if-you-get-bad-instructor-in-real.html    STUDY STUDY STUDY !


     

What About Those "Trick" Questions on The North Carolina Real Estate Exam in Asheville?

     When I was in high school, getting my driver's license was the most important thing.  In those days in Orlando, the Highway Patrol did not give the driving test on the real highway.  They had a private course.

     Almost all of my peers and classmates failed the driving test the first time.  Here is why.

     Near the end of the test, the student came upon a strip of road with two traffic cones in the right lane.  The Highway Patrolman would instruct the applicant to pull into the left lane and parallel  park between the traffic cones.  

Stay in touch with your real estate school classmates

     After the test applicant was successful, the patrolman would instruct the applicant to leave the "parking place"  and drive to the stop sign that was about three hundred feet away. Then turn left.

     The problem was when you pulled out of the traffic cones, you were in the wrong lane.  Almost everyone would drive to the stop sign in the left (wrong) lane.  Since that was a violation of the traffic law, the applicant automatically failed the exam.

     I passed my driving test the first time.  Why?  Because my friends that took the test before me told me about this "trick" question before I took the test.  What a novel idea! 

     There are trick questions on the North Carolina real estate exam.  Stay in touch with your classmates.

     If you think you are ready for the North Carolina real estate exam, try my practice exam at www.ncreexam.com .  If you need a good real estate school in Hendersonville, contact us at www.firstrealestateschool.com .

   

Real Estate Referrals, The Best Compliment For Your Loved Ones

     If the shoe fits, wear it.  What does that phrase mean?  It means if your behavior is perceived by most of your peers as as the behavior of a rude person, it is probably rude behavior.

     It could be that your peers are not really an authority on rudeness.  If 5 out of 5 of your friends tell you that you are being rude, what you are doing is likely rude.

     Is it OK to be rude?  If you want to have friends, it is best NOT to be rude.  You are probably wondering why I am writing about this at this particular time.

     I have just finished teaching a post license class.  This is a class we have in North Carolina for rookie Realtors.   

Send a referral to your favorite Realtor

     One of my students mentioned that her brother that lives in another state was selling his house.  She suggested that he listen to a listing presentation from a Keller Williams agent from his market area.  He told his sister that he did not want to listen to the Realtor that she recommended.

     Pardon me for feeling this way.  I think that is rude.  If my brother wanted me to listen to an expert that he recommended, I would listen to that expert.

   
     Especially, if I had to hire some expert, I may as well listen to the expert that my brother recommended.  If I were paying that expert and my brother could earn a referral fee, why would I NOT listen to my brother's recommended expert?  Why indeed?

      The only reason I can think of is that I have no respect for my brother's opinion.  That would be considered rude in the Climer clan.

     Many people do not know that your Realtor in one city can refer you to a Realtor in another city and get paid for doing so.

     If you do know that , why not call your sister or brother or friend in Whatever City They Live In and ask them to refer you to a Realtor in the city where you are and the city where you are moving to?  I did this when My daughter, Amy, moved from Madison Wisconsin to Asheville.   I referred Amy and Julie to a Realtor, Sara Rodriguez,   in Madison https://www.realtor.com/realestateagents/Sarah-Rodriguez_Middleton_WI_2004840_12017890     They were very happy with Sara and the results that she produced selling their house quickly and hassle free.  I earned a small fee and they got an excellent Realtor with which to work.  WIN WIN

     This is not unusual.  You will probably find a better Realtor through a referral than you would find on your own.  If you need a good Realtor anywhere in America, contact me at www. firstrealestateschool.com or 828 755 6996 I can refer you to an excellent Realtor.

   

If This Math Question Were on Your North Carolina Real Estate Exam, Could You Solve it?

     Real Estate math is more than ten per cent of the North Carolina real estate exam.  The pass rate for the exam was  57% last month.  It costs $164 to take the North Carolina real estate exam for the second time. 

     Why do real estate license applicants show up at the exam site knowing that there are math problems that they do not know how to do?  Here is an easy math problem.  If you took the exam three times at $164 per opportunity, how much money did you waste? 

     Here is today's problem.  Mr Buyer and his wife earn $48000 per year in gross income.  If they buy a house for $210,000 and put 20% down payment, How much is their housing expense ratio if the mortgage factor is 6.67 per 1000. Real estate taxes on their house is $1200 per year.  Insurance is $600 per year.   If you are not sure what housing expense ratio is, you have a vocabulary problem.  If you are not sure what mortgage factor is, you have a vocabulary problem.  To help you understand house expense ratio here is a video. https://www.youtube.com/watch?v=Wy1Y7zDO3M4 

     STOP READING AND DO THE PROBLEM. 

     First let's figure out how much are the monthly PITI mortgage payments?   Multiply $210,000 x .20 to compute the down payment.  $210,000 x .20 = $42,000.  That is the down payment.  Let's subtract $42,000 (down payment)  from $210,000 (price)   .  The mortgage amount is $168,000. 

     To determine the monthly mortgage payment, we look on page 449 in our textbook at the mortgage constant payment chart to find that our mortgage constant factor.  This is the amount of money required to amortize the debt over the term of the loan.  For our purpose here, the factor is given in the test question.  Our constant factor is given PER $1000. 

Here is math question similar to the North Carolina real estate exam

     Let's divide the mortgage amount, $168,000 by $1000 because the factor is per 1000.  That gives us 168.  Let's multiply 168 times $6.67 .  Our monthly mortgage payment is $1120.56 .  This is the P&I payment, principal and interest.  Let's divide the real estate taxes by 12.  The taxes are $100 per month.  Let's divide the insurance by 12.  The insurance is $50 per month.  Our PITI payment is $1120.56 (P&I pmt) + $100 (taxes) + $50 (insurance) =  $1270.56 PITI

     To determine the housing expense ratio, we divide $1270.56 by $4000, Mr. Buyer's income  to get 31%   .  The news is bad.  Mr. Buyer is not going to qualify under Fannie Mae guidelines.  Twenty eight per cent is the maximum housing expense ratio allowed by Fannie Mae.  He needs to put more money down or buy a cheaper house.  B.  is the correct answer. 

     A.  28%
     B. 31%
     C. 25%
     D. 33%

     If you are soon going to take your real estate exam, please learn how to do the math.  There is no math on the North Carolina real estate exam that I do not have posted on You Tube.  It is free.  It is as easy as learning can be.  You do not have to embarrass yourself by asking a question.  You just hit rewind.  If I go too fast, hit pause.  Invite a couple of classmates over to watch with you. 

     Please do not underestimate the North Carolina real estate exam.  I can think of a dozen better ways to spend $164.  Here is a link to some of my videos.

     https://www.youtube.com/watch?v=bMdJ-2iHepM&t=89s
     https://www.youtube.com/watch?v=cuHYf3DYhIU&t=14s
     https://www.youtube.com/watch?v=y4b78lDQtfE&t=251s
   
     There are a dozen more videos posted on You Tube by First Real Estate School.  www.firstrealestateschool.com    If you are anywhere near Hendersonville, we would love to see you in a post license class.  If the videos are a help, please leave a Google review on our website.  Say so.  Also, Keller Williams Realty in Hendersonville is looking for newly licensed, talented ambitious, hard working, motivated new associates.  Call me at 828 755 6996. 

   

The North Carolina State Only Exam for Out of State Real Estate Licensees

     If a real estate licensee from another state wants to get a North Carolina real estate license, the North Carolina Real Estate Commission has a special program for these people.  This out of state Realtor does not have to attend the seventy five hour real estate class at First Real Estate School in Hendersonville that most real estate license applicants are required to pass.

     These out of state real estate applicants do not have to take the 140 question exam that my students take.

The North Carolina real estate exam is not easy

     These out of state real estate licensees only have to pass a 40 question test testing their knowledge of North Carolina laws and customs.  Sounds simple.  It is simple.  The North Carolina Real Estate Commission tells you exactly what is on this forty question test on page 14 of their  booklet," Real Estate Licensing in North Carolina".  Here is a link if you want a free download.  www.ncrec.gov .

     The pass rate for this forty question exam is 22%.  That means if a hundred people took it, 22 passed and 78 will be paying $164 to take it again.  If you wonder if you can pass, try my practice exam at www.ncreexam.com .  Download the booklet from the North Carolina Real Estate Commission first.  Study page 14.

     The number one mistake that out of state licensees make is to believe that what they already know is going to help them.  It won't.  You need to know North Carolina stuff.

     When real estate students from North Carolina go take the exam, there are 140 questions.  One hundred are from the "general" section and forty are from the "North Carolina" section.  That real estate license applicant has to pass both sections.  Many students pass the "general" section and fail the "North Carolina" section.  There is a good way to waste $164.

     That applicant will be going back to PSI and paying $164 to take the "North Carolina"  section again.  That applicant needs to check out my practice exam at www.ncreexam.com

     If you are anywhere near Hendersonville, North Carolina and need to get a real estate license contact First Real Estate School at www.firstrealestateschool.com  .

In Real Estate School in Hendersonville, Stay In Touch With Your Classmates

     The pass rate for the North Carolina real estate exam, last month, was 57%.  The exam is no joke.  It costs $164 to take it again.  We can all agree that one sitting is enough.  Read this article .  Your chances of passing on the first attempt will be better. 

     If you are soon to be or currently enrolled in real estate school anywhere in North Carolina, get in touch and stay in touch with your classmates.  Pass around a paper and get everyone's contact information.  Make 40 copies and share it with the class.  Why do I want you to do that?    The class that studies together, passes together.   Making passing the North Carolina real estate exam a team sport. 

     Form study groups.  Study together one night or two nights per week.  At Keller Williams Realty in Hendersonville, where I work, we often have a volunteer instructor get together unofficially with people that are soon to take the test.  Don't wait for someone else to organize this.  Organize it. 

     Often, one of my students will form a Facebook page just for this class.  At First Real Estate School, we have a Facebook page.  We encourage the students to use our page to communicate and get together to study. Let your classmates know that you want to get together outside of class and study together. 

     Ask your classmates to post links to study aids that find online.  Some are good.  Some are bad.  Some are free.  Some cost money.  When you find a good one, share it with your classmates.  Invite a few fellow students that are having math problems over and watch my free You Tube videos.  https://www.youtube.com/watch?v=bMdJ-2iHepM&t=80s    There is no math on the North Carolina real estate exam that I do not have posted on You Tube. 

     If you are soon taking the North Carolina real estate exam, take my practice test first.  www.ncreexam.com   After you take the test, I go over the answers with an explanation on video.  Ask your classmates to post links to worthwhile study aids or warn us about bad study aids that they find online. 

     Make passing the school test and the North Carolina real estate exam a group effort.  After class in over, stay in touch with your classmates.  Post on Facebook and Twitter that you passed.  Tell us where you went to work.  Send a group email to let us know that you passed the state exam.  Congratulate your peers when they pass.  Ask your newly licensed classmates if they encountered any strange material that the instructor did not cover like who is the new leader of the CFPB.  They would not ask that on the state exam.  Would they?  No they would not but they may ask what is the CFPB.  If you know the answer, please leave it in the comments. 

Stay in touch with your real estate school classmates

     Let your peers know where you chose to work and why.

     At First Real Estate School www.firstrealestateschool.com in Hendersonville, I make an effort to let my students know that they would be welcome to join me at Keller Williams Mountain Partners in Hendersonville.  Many of them do.  An equal amount find that it is not a good fit for them.  That is OK. 

Encourage your classmates.  Contact them and offer them help.  Contact your classmates if you need help.  This is no time to be proud or shy.  Nine out of ten of your classmates will
be happy to help you,  We learn best what we teach.  When you help someone understand mortgage amortization , you usually end up understanding it better yourself. 

     You are familiar with car pooling.  That is when four of us get in our neighborhood in  one car and go to school.  It saves everyone a little bit of money.  It is usually more fun than riding in alone.  You can "car pool"  expensive study aids.  One of my students bought a one hundred dollar course state exam review class on line.  He invited three of his classmates over to watch it on his computer .  Each of the three gave him $25.  That is a WIN WIN .  You could do the same thing with a CD audio program.  We sell a CD audio program at First Real Estate School to help the students pass the first time.  There are nine Cds.  Often two students will share the expense.  One students takes half of the  CDs and the other students takes half.  They trade throughout class.  Car pooling works. 

     Forty students could get together and make 400 flashcards.  One student makes ten flashcards on deeds.  One student makes ten flashcards on mortgages.  One student makes ten flashcards on agency.  Very quickly , we have 40 sets of flashcards.  Every one passes. 

     Get together with your classmates.  Make passing a group activity.  Do not wait for a leader to show up.  Be a leader.