The real 'Robert' here,

I just wanted to thank all of you for your direct comments, which I have found to be very helpful, and a good reason to evaluate my approach.

Perhaps, what goes unsaid is 'why' I took this approach, and it may add insight to this discussion. I used to work on Wall St. for a company that treated people with such a lack of integrity, dignity, and respect, that I told myself, 'If I get out of this place, I will do things differently'. At times my approach has led to me helping people getting scholarships to Ivy League schools in the US, and also programs in Germany, but at times, well...Mike was correct. I did not know how to handle when things did not go how I planned; a weakness I have been working on.

The office I used to work at Wall St...I am glad I left it because its not there anymore. So, I am teaching myself these days to take my intuitive nature beyond 'being able to spot trouble'.

My greatest fear, as a person, is to become a full-time 'armchair, Monday morning quarterback' because I know there is always more to learn.

Best to you all,
Robert