terça-feira, 17 de julho de 2012

10 Surprising Benefits of the Boomerang Effect

Sent by Elena Verlee
Soruce: http://www.onlinedegrees.org/12-surprising-benefits-of-the-boomerang-effect/


When you hear the word “boomerang,” you might think of the fun you had playing with the Nerf version in the ’80s. Or you might have a flashback from the scene in Mad Max 2 where a guy gets a frontal lobotomy with a steel one. Whether you usually lean toward seeing a half-full or half-empty glass may determine how you see the latest iteration of the boomerang: young adults returning home to live with their parents after college graduation. To help you look on the bright side of things, here are 12 benefits of moving back in with Mom and Dad that you may not have considered.
  1. Living with others is better for your health:
    Both single parents and adult children can enjoy better health by not living alone. Although researchers cannot say with certainty whether it’s due to the isolation and lack of social contact, the eating and sleeping habits particular to people that live alone, or some other factor, many studies have shown that mental health is worse for people who live by themselves. For example, those that live with someone else are less likely to take antidepressants, and for seniors, their risk of heart disease could be as much as half that of people who live alone.
  2. The stigma of boomeranging is gone:
    One of the silver linings in the cloud of the poor economy is that moving back home has become the norm. Whereas boomeranging was once so frowned upon that very few people found the rewards worth the social disgrace, nearly one-third of young adults are doing it now and more than half know a friend who has done so. Because it is so helpful financially and because it was a silly cultural quirk in the first place, this enlightened viewpoint is a positive development.
  3. Eating home-cooked meals can reduce your risk of cancer:
    As a college student, you probably ate out 90% of the time or more. But now that you’re back at home, you’ll have access to home-cooked food that not only will be tasty and free, it can lower your risk of cancer. According to Rachel Brandeis of the American Dietetic Association, “The more you eat in, the more you can control and the healthier your plate is going to be. I wish people would think that when they are eating, they could be lowering their cancer risk.”
  4. The parent-child relationship can be strengthened:
    Mark Twain once said, “When I was a boy of 14, my father was so ignorant I could hardly stand to have the old man around. But when I got to be 21, I was astonished by how much he’d learned in seven years.” A recent study by the Pew Research Center found more boomerang kids said their relationship with their parents had improved as a result of moving back home. After four years apart, it could be a perfect time for parents to see first-hand the maturation a child has gone through and establish a new, adult relationship that is less authoritarian and more friendly.
  5. More help around the house:
    Instead of focusing on the negative, Mom and Dad should look at returning adult offspring as a blessing in disguise. Since they hold all the cards, parents can make help with chores like laundry, grocery shopping, weed pulling, and lawn mowing part of the “lease agreement.” According to the Pew study, helping with chores is something nearly all boomerang kids claim to do, so if yours is not pitching in, tell him or her to get with the program.
  6. Living at home lets grads be pickier about jobs:
    According to Beni Towers Kawakita, a career center advisor at Illinois State University, “Many of our students are from the Chicago area, and with the cost of living being higher, they want to be doing jobs that they’re going to really be enjoying.” Living at home can ease the financial burden, which then lessens the urgency for graduates to take the first job that comes along and wait for one they will truly enjoy.
  7. Grads can get job-hunting help:
    Presumably you’re looking for a job if you’ve moved back home. If so, and if you have a poor memory or underwhelming writing skills, enlist your parents for help recalling accomplishments and participation in clubs, teams, and groups that can buff up a resume. And before you send off that personal statement, take advantage of the one or two additional sets of eyes you now have access to for help with editing.
  8. Increased ability to start saving for retirement:
    The average student loan debt for college graduates is now more than $25,000, meaning boomerangers are typically concerned with paying off loans before saving. A 2012 survey found that people ages 18-34 are the least likely group of Americans to save for retirement, with over half saying they are not contributing to a 401(k) or IRA. But any financial advisor will stress in no uncertain terms the importance of starting to save early, and any savings a boomeranger can afford to put away thanks to living at home are extremely important.
  9. Gain material for explaining an employment gap:
    Living at home frees you up to have time to volunteer, do freelance work, or take classes. But you could also demonstrate to a potential boss how living with your parents helped you cooperate with others (with whom you may not have a great relationship) and taught you the value of teamwork or discipline. With the right approach, living at home could become an experience that strongly impresses a potential employer.
  10. Family meals ease stress:
    Being unemployed with an uncertain future is an extremely stressful place to be. Moving back home provides a setting that has been shown to lower stress. A 2008 study at Brigham Young University found that working moms who ate supper with their families were able to lower stress and tension. Although the effect was less pronounced for dads, the evidence is there that the quiet conversation and emotional bonding that happens around the dinner table can be like soup for the soul.

Your Brain on Vacation: 11 Proven Benefits of Taking Time Off

Sent by Alissa Alvarez
Source: http://www.onlinemba.com/blog/your-brain-on-vacation-11-proven-benefits-of-taking-time-off/


Your brain works hard every day, regulating your breathing, controlling your heart rate, helping you shout answers at the TV while “Jeopardy” is on. Isn’t it time you gave it a rest? Sure, you could zone out for a few minutes and take a so-called “brain vacation,” but then you risk making all your other organs jealous. Allow us to give you the incentive to book that trip you’ve been debating taking to the Bahamas: your brain reaps terrific benefits like these when you shut the office down and check out.
  1. Lower stress levels:

    We’re sure we don’t have to tell you taking time off from stressful work makes you feel less stressed. But you may have only suspected the corollary benefit, which is that your performance goes up after a period of no stress. A study by doctors at Weill Cornell Medical College in New York found that in rats and medical students, test results were much lower for tests taken during periods of high stress. But given time to let that stress dissolve, the subjects scored much higher.
  2. Stimulating creative thinking:

    If you can afford to take your vacation abroad, you’ll receive the added benefit of kick starting your creative juices. Research by Northwestern University professor Adam Galinsky and INSEAD business professor William Maddux found that travel abroad helps people overcome “functional fixedness” by forcing people to adapt to new cultures and ways of doing things. However, the boost in creativity was found to be more significant in people who lived abroad, as opposed to brief visitors, so the longer you can stay, the better.
  3. Enhanced changes in brain connections:

    Kids may look forward to hiking, fishing, riding roller-coasters, eating junk food, or any number of other fun activities that don’t get to do at home. But for many adults, the best thing about vacation is sleep. And sleep has a number of brain benefits and can even physically impact the brain for the better. A UC-San Francisco study with cats proved sleep helped create more brain change after an environmental stimulus. And during deep sleep, the brain reorganizes connections to the most optimal arrangement.
  4. Improved memory:

    Dopamine is one of the “happy hormones” produced by the brain that plays a number of roles, but especially factors into learning. Dopamine is released when we experience something new (as we do during a vacation) and helps form memories. Dr. Russell Poldrack, of the Imaging Research Center at the University of Texas at Austin says that participating in such new activities can even help prevent Alzheimer’s disease.
  5. Combat depression:

    Although science cannot yet explain the entire process for what causes depression, it is known that at its root, depression is a brain problem. It is believed that the chemicals the brain uses to communicate are out of balance in people with depression. It has been proven, however, that vacations help the brain fight depression. For example, a 2005 study conducted at Wisconsin’s Marshfield Clinic found that women who don’t take regular vacations are two to three times more likely to be depressed than women who take them regularly.
  6. Increased serotonin output:

    In addition to increased dopamine, vacation also causes your brain to up its production of serotonin. Although too much serotonin can cause problems, a good amount of it is crucial for emotional stability and even a person’s social life, as high serotonin levels predispose people to a positive outlook and a friendly demeanor. Could this explain why it’s so easy to make friends while you’re on vacation?
  7. Improved reaction time:

    A 2006 study out of New Zealand discovered that after a vacation, people had a 25% quicker reaction time in the brain, eyes, and muscles on average, and as much as an 80% improvement in some cases. And that was after a vacation that lasted as little as two or three days. The boost was attributed to the better-quality and longer-lasting sleep that travelers get on vacation.
  8. Keep your brain out of “calorie” mode:

    This is actually an overall health benefit, but it begins with your brain. Dr. Tony Massey says that even small stressors like trying to talk on a cell phone and drive in traffic cause your brain to go through chemical changes: your brain begins outputting signals to your body that make you feel hungrier and crave calories, especially empty calories. So getting away from stress on vacation can actually help you keep your weight down.
  9. Improved ability to coordinate and plan:

    In addition to allowing you more free time to work out, virtually every vacation involves exercise you wouldn’t normally get, like carrying luggage, running to make a flight, walking around sightseeing, and more. And of course, the brain benefits of exercise are well-documented. Aerobic exercise strengthens your mind’s ability to plan long-term, coordinate multiple tasks, and stay focused longer. So while laying on a beach for a week is good, mixing in a hike, bike ride, surfing lesson, or golf outing is even better.
  10. Feeling like a kid again:

    According to Baylor neuroscience professor David Eagleman, adults tend to compress memories, which results in the feeling that time is going faster than it really is. The way to combat this perception is to take a vacation somewhere you’ve never been before, “essentially putting you — neurally — in the same position as when you were a child.” And who doesn’t want to feel like a kid again?
  11. Limits brain-damaging screen time:

    The amount of time children spend in front of video screens is higher than ever. Although too much time staring at TV and computer screens is not good for anyone, it is especially damaging to children, whose brains are still developing. Experts are saying children are risking dependency on screen time due to over-exposure, and they worry that the brain could be permanently rewired after too much computer game time. Leave the laptops and portable DVD players at home, and vacations are a great way to give your kids’ brains a much-needed screen time break.

25 FINANCIAL PLANNERS STUDENTS SHOULD FOLLOW ON TWITTER

Sent by Jasmine Hall
Source: http://www.onlinecolleges.net/2012/07/09/25-financial-planners-students-should-follow-on-twitter/


As a college student, you’re probably not sweating the effect events in Greece or Spain will have on the markets. Retirement is about 45 years away, so while you might read this or that about 401(k)s and IRAs, it’s really more of an educational endeavor for you. What you need is practical money advice from financial planners* who can help you make it through college as little into the red as possible. Follow one, three, or all of these tweeters to do just that.
*We use the term “financial planner” loosely. Some of these are certified financial advisors who say so on their bio, and some are individual or collections of knowledgeable businesspeople and experienced money savers who have good advice to give.
  1. Get Rich Slowly:

    “Average guy” and author of Your Money: The Missing Manual J. D. Roth operates this feed that is full of practical advice for getting out of debt and starting to save, just like he did.
  2. Ashley Jacobs:

    Let @collegecents do your link aggregating for you. Jacobs tweets financial help over atWise Bread and uses her personal account to regularly assemble her picks for articles with the best money tips.
  3. Green_Panda:

    The Green Panda Treehouse blog is written by two financial industry pros, a college student already seasoned in investing, and a personal finance blogger who “charged on a credit card like crazy in college.” The blog’s Twitter feed connects you with posts like “Making Big College Decisions … One at a Time.”
  4. Jim Wang:

    Wang launched the personal finance blog Bargaineering after graduating from college and realizing he knew nothing about money. Learn from his mistake and start educating yourself know with the help of his enlightening Twitter feed.
  5. Farnoosh Torabi:

    Ms. Torabi keeps busy hosting the personal finance web show Financially Fit, authoring personal finance books, and appearing on talk shows to share her wisdom. Find links to her videos and helpful articles on subjects like job interviews and credit cards here on her Twitter page.
  6. Moolanomy:

    The articles of the personal finance journalists and experts that contribute to personal finance online magazine Moolanomy are tweeted out here. You’ll find great resources for financial events that often face college students, from having an inexpensive wedding to consolidating student loans.
  7. David Ning:

    This thought-provoking feed acknowledges that building a solid financial foundation is tough. Author and entrepreneur Ning does his best to help you in that task by tweeting advice on watching your spending habits, tips for frugal hobbies and activities, and more.
  8. Suze Orman:

    She’s one of the most well-known financial experts around, and she may be the top authority on helping people in their 20s take control of their financial lives. Tweet your dilemmas at her and she may reply (she has more than 1.3 million followers, after all), or just learn from the answers she gives other people who’ve dug themselves into a deep financial hole.
  9. SavvySugar:

    The articles posted here have “college student” written all over them: “7 Ways to Make $50 in a Day;” “10 Grocery Items With Long, Long Shelf Lives;” “Everything a New Grad Needs to Know About Personal Finance.”
  10. Martin Lewis:

    The U.K.’s “Money Saving Expert,” Lewis is a celebrity author, presenter, and journalist whose prowess in financial advising is very well-respected ‘cross the pond. Being a Yank doesn’t mean you can’t cash in on his suggestions; just replace “pounds” with “dollars” and you’re good to go.
  11. Liz Pulliam Weston:

    Many readers have found Weston’s book The 10 Commandments of Money: Survive and Thrive in the New Economy a great one for new college grads. As in the book, Weston tweets solid financial info and prompts to get you thinking about your financial future, all with a sense of humor.
  12. Money Hacker:

    Sherin Dev is not a financial planner, but he is a certified money hacker. He is debt-free, has been investing for nearly 20 years, and is an excellent source of financial planning knowledge across a range of subjects, from basics like saving all the way up to advanced tips on investing in commodities.
  13. Beau Henderson:

    This host of the radio show The RichLife tweets a mix of uplifting thoughts and financial advice based on 13 years of experience as a financial planner. It skews a bit toward older workers but there’s still much to glean from him if you’re just starting to build your financial knowledge base.
  14. Financial Freedom:

    The engineer who tweets here is in his mid-30s and is debt-free, having paid off a house, a vacation apartment, and two cars. If that sounds like a financial accomplishment you’d like to mimic, you’ll want to make his tweets your guide to early retirement.
  15. Club Thrifty:

    This is a new but promising feed that urges you to “stop spending and start living.” You’ll find blog posts about traveling on a budget, couponing, and more, written by an early-30s couple shooting for debt-free life by the age of 40.
  16. Nathan Gehring:

    Gehring is a personal financial counselor who tweets to help people make money decisions that don’t suck (his words). He shares his wisdom over atMyFirstFinancialPlanner.com, and the wisdom of colleagues in the financial sector via retweets.
  17. Carrie Smith:

    From her experience working as a tax specialist with H & R Block and as an accountant for 10 years, Smith uses her Twitter feed to keep you connected with new posts on her blog, Careful Cents. Money, debt, work, and occasionally The Bachelor are all subjects on the table.
  18. Donna Freedman:

    Get Rich Slowly contributor and MSN Money blogger Donna Freedman is a fount of frugality insight. Her tweets can definitely benefit a college student or recent grad, with cheap ways to furnish your place, where to find freebies, how to cut costs on a road trip, and more.
  19. Lazy Man and Money:

    The titular lazy man (Corey) writes the stuff he can’t find in Money Magazine, spurred by an interest in personal finance stretching back almost 20 years. He tweets and blogs about financial company reviews, credit cards and scores, and more.
  20. NotMadeOfMoney:

    A husband-and-wife team celebrating their 17th year of debt-free life is behind this Twitter handle. They don’t claim to be financial planners, but that shouldn’t stop you from heeding their advice on things like cutting your energy bills, improving your credit score, and having fun on a budget.
  21. The Digerati Life:

    Finn Lane is the personal finance blogger behind this feed and the blog of the same name. There’s great info here for college students and baby boomers alike, with articles like “Saving Money: Frequently Asked Questions” and “Get a Financial Education in Your Twenties.”
  22. Free Money Wisdom:

    “Jon the Saver” is the financial guru behind this feed, which aims to give people a grip on their finances and get themselves out of debt. Recent posts that would especially interest a student are “Five Tips for Eating Out on a Budget” and “What is a Stock Certificate Anyway?”
  23. Kiplinger:

    Tweets from the personal finance site Kiplinger.com post here, together with financial news and retweets from money management experts. Career tips and advice that should interest college students also show up, like “How to Turn Your Internship Into a Full-time Job.”
  24. J. Money:

    We probably don’t have to tell you “J. Money” is not a senior financial planner at a New York firm. All he is is a personal finance blogger for his priceless advice. He’s also one of the most interesting bloggers/Tweeters around.
  25. freefrombroke:

    The “personal finance blog for regular folks,” the man behind freefrombroke.com tweets here with personal finance recommendations colored by his own struggle to get out of student (and other) debt. It’s a good spot to be introduced to saving, investing, credit scores, and other areas of personal finance.

10 Famous CEOs Who Think You Should Skip College

I think college is important, but it's an interesting point of view...

Sent by Alissa Alvarez
Source: http://www.onlinemba.com/blog/10-famous-ceos-who-think-you-should-skip-college


The fact that the debate over whether a college degree is a sound investment even exists says volumes about the state of higher education in America today. But not only is the debate real, well-known figures are getting in on the discussion. It would be one thing if musicians or baseball players were making noise about how they skipped college and turned out fine, but it’s another thing to hear millionaire businessmen say college is not a must. These 10 past and present CEOs, founders, and all-around corporate stars bear witness that you might be better off leap-frogging campus for the real world.
  1. Peter Thiel:

    The uncontested leader of the anti-college movement is PayPal co-founder and former CEO Peter Thiel. Himself a billionaire thanks to his entrepreneurial spirit and sound investments in companies like Facebook, Thiel believes college stifles entrepreneurship or gets in the way of business opportunities. He sees the high number of successful CEOs without college degrees as proof that a degree is not necessary. To prove his point, he launched the 20 Under 20 Thiel Fellowship, which pays the 20 brightest students under the age of 20 he can find to drop out of school and do their own research and create their own businesses.
  2. Mark Cuban:

    Add “traditional college education” next to “NBA refs” on Mark Cuban’s list of things that rile him up. In a recent blog post, the billionaire Mavericks owner and chairman of HDNet forecasted that soon incoming college students will realize that student loans can’t be “flipped” for great jobs after graduation. Add to that the skyrocketing costs of attending traditional colleges, Cuban said, and students will stop coming, causing the entire system to destabilize. He points to free education resources like Khan Academy and for-profit institutions as effective alternatives for the future.
  3. Warren Buffett:

    Although he went to college and thinks some students should, too, billionaire Berkshire Hathaway CEO Warren Buffett now says he doesn’t even know where his degrees are. None of his three children went to college either, a fact that hasn’t prevented Buffett from inviting his son Howard to succeed him as head of Berkshire Hathaway. “I don’t think college is for everyone,” Buffett says. According to him, the best education is investing in yourself. Whether this means college or something else, the important thing is to always be improving your abilities.
  4. Seth Godin:

    Squidoo founder Seth Godin is well-known as a business writer and entrepreneur and has been called “America’s greatest marketer.” In a 2010 blog post, this expert marketer described what he saw as “the coming meltdown in higher education.” Among other points, he claimed the correlation between a typical college degree and success is weak. Luckily, he saw plenty of solutions for high school grads willing to think outside the box: gap years, research internships, and entrepreneurial ventures. To Godin, mass-market degrees from traditional colleges will soon be a thing of the past.
  5. Steve Jobs:

    In his lifetime, Steve Jobs transformed the conventional ways of thinking about personal computing. We may soon find that Jobs was also on the right side of the next wave of thinking about higher education. In an interaction with President Obama, made famous in biographer Walter Isaacson’s books Steve Jobs, the former Apple CEO and Reed College dropout explained to the president that his company had had to employ Chinese engineers “because he couldn’t find 30,000 engineers to be able to do the work that needed to be done.” These engineers did not need four-year degrees, just proper training. The president later remarked several times, “We’ve got to find ways to train those 30,000 manufacturing engineers that Jobs told us about.”
  6. Ben Nelson:

    Nelson’s resume includes a stint as the CEO of photo-sharing web service Snapfish. Now he’s casting his net into the waters of higher education, and he’s got his sights trained on the Ivy League. Through a partnership with free online education site Udacity, Nelson and his board of ex-university presidents are launching The Minerva Project, an online-only institution offering classes from world-class instructors to Ivy League-caliber students who couldn’t get into the Ivy League. He says, “At Minerva, we care about two things only: Are you brilliant, and do you have potential to change the world?” If you do, skipping the traditional college experience for Minerva might be just the ticket.
  7. Sean Parker:

    Remember Napster? If you ever used the music-sharing site (which we know you did), you can thank John and Shawn Fanning and Sean Parker, who was also the first president of Facebook. When Forbes wanted tips from billionaires who never went to college, they turned to Parker. His response? Skip college and Google your education. “When these incredible tools of knowledge and learning are available to the whole world, formal education becomes less and less important,” he said. “We should expect to see the emergence of a new kind of entrepreneur who has acquired most of their knowledge through self- exploration.”
  8. Richard Branson:

    We don’t want to put words in the Virgin CEO’s mouth, but based on some of his quotes, Richard Branson certainly seems to think it’s OK to skip college. “You certainly can’t guarantee [success] just by following someone else’s formula,” he says. “You don’t learn to walk by following rules. You learn by doing…” We do know he at least thinks half of college can be skipped; he recently wrote that college courses around the world need to be slashed in half to keep student debt down and get young people out into the working world faster.
  9. Bill Gates:

    Microsoft co-founder and former CEO Bill Gates famously dropped out of Harvard when the software company began to take off. Today he is regularly cited as proof positive that a lack of a college degree does not preclude a dropout from becoming a billionaire. Recently, he made the case that if you’re a motivated student, you soon won’t need college at all. He told a tech conference audience, “Five years from now on the web for free you’ll be able to find the best lectures in the world. It will be better than any single university.”
  10. Caterina Fake:

    You may not know the name Caterina Fake, but she helped found Flickr, an image hosting site that now hosts nearly one picture for every person on the planet. In a 2010 article, she channeled Peter Thiel by saying colleges are like factories, which take in students and turn out scholars. In other words, they kill entrepreneurs. To learn how to be an entrepreneur means immersing yourself in an industry, watching other entrepreneurs, building things yourself, and gaining real-world experience. Take a few years off to go to college and you may find yourself hopelessly behind.