[SPOILERS]
Main article
here. I'll just translate for those who want a quick guide.
Quanzhen
On the first day, there will be some hooligan causing trouble at the main section of town. If you stand up to him, your Health will be reduced to half, but Qiu chuji will be impressed with you and offer to take you into Quanzhen.
Ancient Tomb
After going into Quanzhen, you will be given up to the third month before your skills are tested. If you were not taught the Quanzhen internal energy and palm technique, and lose to your opponent, you will run to Ancient Tomb where XLN will save you. (remember how YG met XLN)
In order to actually be admitted into Ancient Tomb, your luck needs to be at least 60. I usually have 80 so I can get Jiu Yang Sheng Gong later.
Shaolin
Monk will be in the main area of town on the second day. Talk to him.
Wudang
On third day go to the temple at night and fight the thugs. On the 4th day the thugs will return. Fight them again (I think you need to lose) and one of the Wudang 7 will appear.
Huashan
On 4th day, go to the temple. You will trigger a scene. Linghu Chong will appear. Just play along with him to trick the bad guy.
No prob!