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The end of spring and the beginning of summer is where the nightmare begins for most students. Burning the midnight oil, as they say, as we sit and cram a whole semester’s worth of topics into 2 days. Tensions run high as we sit in groups in the library trying to catch up with everyone else. As we lean upon one another to help and grow together,
the cooperation that was absent throughout the semester happens overnight. This is the time where everyone becomes allies; this is the time of final exams. However, during this time is when many fail to realize that being calm and collective is the key to concentration and successfully getting through finals. Here are a few pointers that might help
you get through your finals and move on to an amazing summer. 1. Choose An Appropriate Study Time. Our bodies are unique. Therefore, our biological clocks are programmed differently too. That means that adapting your routine to everyone else’s can bring you more harm than good. As your body suffers from trying to force itself to absorb all the
information, you’ll eventually tire yourself out and the whole session won’t be as productive. ⌄ Scroll down to continue reading article ⌄ ⌄ Scroll down to continue reading article ⌄ Alternatively, it would be best if you create your own study time. Observe yourself at the times you’re highly productive and align your study periods then. This will
increase your efficiency and you’ll be able to carry on the same energy flow for a longer period. This methodology also increases your ability to concentrate, hence you needn’t worry about forgetting what you’ve learned. 2. Keep Sweets Of Different Colors And Flavors With You. Sweets are one of the world’s great gifts. As the delicious, sugary
goodness oozes down your throat, you realize what a good day feels likes. Also, you may not have known that munching on sweets while studying allows you to increase your attention span. This gives you the ammunition to concentrate longer and remember better. There’s also something called “association memory,” where your memory associates
what you taste, smell, or feel with a particular memory. Keeping this in mind, munching on something sweet with either varied colors or tastes will allow you to associate that particular subject with the sweet. Then, during the exams, your subconscious memory will trigger the knowledge needed for you to ace that paper — just don’t forget to take the
sweets with you to your exam! ⌄ Scroll down to continue reading article ⌄ ⌄ Scroll down to continue reading article ⌄ After being trapped in a study room for days, a breath of fresh air can be bliss to the soul. Picture studying as keeping our mind in a library with constructed concrete information where creativity is on hold. Our mind keeps running
on the treadmill of information and it eventually tires itself. This is exactly when you start losing your concentration and focus on whatever it is that you’re doing. Huge companies such as Google have created various spaces for activities that allow your mind to breathe again, as a way of inducing a more efficient workforce. Why don’t you create your
own time for leisure too? It could be binge reading your favorite novels, catching up on your favourite series, or making a good meal to treat yourself — just do something to get your mind off studying for a short period of time. 4. Have A Hot Flask Next To You. Have you noticed that in most Hollywood movies, you find a group of students sitting in a
corner studying while sipping on a mug of coffee or a huge pot of tea? There’s an interesting reason for this. Studies have shown that taking the time to slow down while studying allows your brain to digest information better compared to the normal robotic munching of information. ⌄ Scroll down to continue reading article ⌄ ⌄ Scroll down to
continue reading article ⌄ Keep a hot flask with you and take a sip of your favorite beverage while studying. Even though you’re down to the wire, rushing the process doesn’t quite help — even if you’ve completed all the chapters. Instead, enjoy your beverage while going through the process of learning — what could be better than making learning a
fun and relaxing activity? 5. Have A Great Playlist. They say always save the best for last, and the one recommendation which every student knows is to have a great playlist of songs which tender the mood. Music is related to associated memory and it can also calm your now-speeding mind. This gives you the centered emotion you need to overcome
each chapter of your studies. Have a playlist of calm studying music — there are many on YouTube and Spotify — and listen to it while you’re studying. It can help you lose track of time and forget just how long you’ve been hitting the books. In other words, music helps in tricking your mind to work more. ⌄ Scroll down to continue reading article ⌄ ⌄
Scroll down to continue reading article ⌄ If you have a great playlist set before flipping through your books, studying will seem a lot less like work. Even though finals is a time when as students we feel suffocated, using various adapting mechanisms can make this period a breeze. After all, this process is part of enjoying life as a student and the
evolution of you as a person. As they say, first come finals, then comes summer. Featured photo credit: Students Studying via az616578.vo.msecnd.net ⌄ Scroll down to continue reading article ⌄ ⌄ Scroll down to continue reading article ⌄ There’s no shortage of required licensing exams for financial professionals. From the Series 63 and Series 65 to
Series 7, there are many different exams required for various roles within the financial services industry. Financial professionals who pass the Series 6 exam are licensed to sell certain securities and insurance products. Here’s a breakdown of what the exam entails and why the license matters.What Is the Series 6 Exam?If you’re a financial advisor or
planning to become one, chances are you’ll take the Series 6 exam. Also known as the Investment Company and Variable Contracts Products Representative Exam, it allows a financial professional to buy and sell investment and insurance products including: Mutual funds Variable annuities Variable life insurance Municipal fund securities Unit
investment trusts Investment advisors and private bankers may also take this exam.As with many of the other financial licensing exams, the Series 6 is administered by the Financial Industry Regulatory Authority (FINRA), a government non-profit organization that deals with the oversight of broker-dealers in the U.S.The Securities Industry Essentials
(SIE) exam is a corequisite of the Series 6 exam. Though applicants aren’t required to take the SIE exam before the Series 6, it’s encouraged. Both the SIE and Series 6 are required to receive the Series 6 license and registration. Passing the ExamApplicants must be sponsored by a member firm of FINRA or another self-regulatory organization (SRO)
in order to take the exam. The sponsor will file a Uniform Application for Securities Industry Registration or Transfer (form U4) with the Central Registration Depository (CRD) before you can take the exam.Candidates must correctly answer 35 out of 50 multiple choice questions for a grade of 70% to pass the exam. The exam has 5 unscored
questions, too. Candidates take the exam on a computer and 90 minutes to complete it. You can’t bring any outside materials into the test. The Series 6 costs $40.Once you pass the Series 6, you need to register your new license with FINRA. You must also participate in FINRA’s continuing education requirements and sponsored by a FINRA registered
company in order to maintain the Series 6 license.Studying for the Series 6Some experts recommend spending at least 100 hours studying for the Series 6 exam, along with extra time allotted to passing its corequisite, the SIE exam.It’s also wise to familiarize yourself with the exam’s common question structure, as well as the main concepts and
material covered in the exam. The Series 6 focuses on the critical functions of an investment advisor’s job, which includes regulatory basics, the ins and outs of servicing customer accounts, and evaluating a customer’s complete financial picture before making appropriate recommendations.Practice tests or third-party courses may also help you
prepare. However, it’s important to know that FINRA does not regulate test prep companies. How It Compares to Other LicensesFinancial professionals can obtain a variety of licenses. It all depends on the role they wish to play in the industry.The Series 6 and the Series 7 licenses are two of the most common financial licensing exams. The Series 6
licenses a financial professional to sell a limited number of financial products while the Series 7 allows a financial professional to sell almost all investment products related to securities.There are many other exams including the Series 63 and Series 65. The Series 63 exam tests a financial professional’s knowledge of ethical and fiduciary obligations.
It’s required if you want to be able to buy and sell financial products like stocks, bonds, mutual funds or annuities. The Series 65 exam allows a financial professional to give clients investment advice and analysis. The Series 65 license qualifies financial professionals as Investment Advisor Representatives (IAR) in certain states. The Bottom LineThe
Series 6 license allows financial professionals to buy and sell certain investment and insurance products. If you’re considering a career in the financial services industry, working for a firm that can sponsor your Series 6 exam may help. Consider consulting other financial professionals, too, in order to make sure the Series 6 is right for you. With the
right licenses, you could be on your way to a successful career in the financial services industry.Tips for Finding the Right Financial Advisor The Series 6 allows a financial professional to sell investment products like variable annuities, mutual funds and insurance. If you’re looking for more than just advice from a financial professional, look for one
who has this license. Consider working with a financial advisor who has a Series 6 license if you want to invest in variable annuities, variable life insurance or another product. Finding the right financial advisor that fits your needs doesn’t have to be hard. SmartAsset’s free tool matches you with financial advisors in your area in five minutes. If you’re
ready to be matched with local advisors that will help you achieve your financial goals, get started now. Photo credit: ©iStock.com/Kerkez, ©iStock.com/BartekSzewczyk, ©iStock.com/Aliaksandr BahdanovichPage 2Do you know enough about financial management to take care of all of your investing on your own? Or do you need help from a seasoned
expert?That question comes up for millions of Americans each year.If any of these describe you, you could benefit from professional financial advice:1. You’re retiring soon – Maximizing retirement income requires smart decisions around complex topics such as Social Security, 401(k) and IRA withdrawals.2. You manage your own investments –
Individual investors should check their strategies with unbiased third parties. You may be overlooking opportunities in your portfolio.3. You have children – Whether you’re saving for college or planning their inheritance, there are several ways to ensure your children are taken care of.4. You inherited money – Have you noticed lottery winners often
declare bankruptcy? It can be difficult to manage sudden increases in wealth.5. You have a financial advisor – Depending on how you chose your advisor, there may be a better one for you. Family referrals are convenient but don’t always produce results.6. You’re divorcing – Untangling finances in a divorce can be messy. Impartial advice is key.7. You
want to build wealth – If you’re still decades from retirement, good decisions today can add thousands to your retirement accounts. See Your 3 Financial Advisor MatchesFinding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with financial advisors in your area in 5 minutes. Each advisor has been pre-
screened and vetted by SmartAsset and is held to a fiduciary standard. If you’re ready to be matched with local advisors that can help you achieve your financial goals, get started now.
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