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How Successful People Beat Stress

If it feels like everything is more stressful these days, that’s because it is. Recent research by the University of Cambridge has shown that more than a third of people feel overwhelmed by technology today, including 34 percent of tech-savvy millennials.

A separate study, conducted by Nielsen, found that 80 percent of American workers feel major stress in the office. A few reasons employees cited for feeling stressed out included long commutes, low pay, unreasonable workload, problematic co-workers and limited work-life balance.

But there’s no need to suffer in silence. Keep chaos at bay by practicing these proven solutions to boost your energy, ratchet down your stress level and help you become a top performer:

Decide if you want more or less of certain activities. Stress drains energy, leaving you low on mojo to achieve important tasks and reach goals. To regain your center when knocked off balance by daily stressors, thinking about how you are spending your time can help. In their book “Find Your Balance Point,” authors Brian Tracy and Christina Stein suggest that you can energize your life and feel less stressed by considering which activities are giving you the best results, and doing more of those things.

By the same token, the opposite principle also holds true. “Obviously, you should be doing less of the things that are not working for you — that are not giving you good results and are causing you unhappiness and frustration,” they write.

Think about what you should start or stop. When you’re mired in your habits at work and home, stress can sneak up on you. You may be unaware that the choices you’ve made previously in your career and personal life no longer fit, leading you to feel stressed. Tracy and Stein suggest taking the above advice one step further to think about what new thing you can start doing today to boost your happiness and take you out of your comfort zone.

Similarly, you can probably identify actions or activities that you’d be better off cutting out of your life completely. “In time management or personal management, and whenever you feel frustrated and unhappy for any reason, ask yourself this great question: ‘ What should I do more of, less of, start, or stop?'” Tracy and Stein write. “You will always find the answers somewhere within yourself.”

Beware of snowballing. While it’s true that stress in small doses can actually be helpful, when stressful situations go on too long, it’s a whole different story. Research from The University of Dublin has suggested that when your brain is exposed to cumulative stress, it can damage brain structure and function.

Excessive stress has also been linked with accelerated aging, increased risk of cancer and other diseases and decreased longevity. In his book “Are You Fully Charged?” author Tom Rath compares the accumulation of stress over time in your body to what happens when snow is left to sit for too long on the sidewalk, eventually becoming too deep, heavy and icy to easily shovel away.

Rather than letting stress snowball, Rath recommends being aware of chronic stressors in your life and finding ways to change them. “Consider some of the things that regularly create stress in your life,” he writes. “Map out how you can avoid these situations in the first place, or at least minimize the daily stress they cause. Rarely, if ever, is putting up with intense stress worth the consequences for your health and well-being.”

Recognize sources of secondhand stress. If you think about some of the most anxiety-producing situations in your life right now, many of them probably involve other people. Rath refers to this as “secondhand stress” and notes in his book that you can easily “inherit” other people’s stress. “Play defense against inherited stress throughout the day,” he writes. “You have enough emotional stressors to deal with on your own, let alone if you assume the stressors of your colleagues, neighbors and social networks.”

Banish toxic thoughts. Navy SEALs exemplify exceptional resilience under unusually stressful circumstances. In the book “Stronger: Develop the Resilience You Need to Succeed,” author George S. Everly Jr. and his co-authors drew on decades of research and interviews with Navy SEALs and other highly resilient people and discovered that many of them shared the trait of “active optimism.” This quality of confidence, which allows you to believe in yourself and your ability to succeed and reach your goals, helps overcome toxic thoughts to maintain a positive attitude, even when faced with difficult circumstances.

“Our findings also suggest that a person’s attitude on the job, and possibly in life in general, are as important or more important than the working or living environment itself,” Everly writes. Take these findings to heart, and work on quashing a mindset of repetitive worry and negativity, which the research in “Stronger” found linked to burnout, job dissatisfaction, poor job performance and quitting your job.

Robin Madell has spent over two decades as a corporate writer, journalist, and communications consultant on business, leadership and career issues. She serves as a copywriter, speechwriter and ghostwriter for executives and entrepreneurs across diverse industries, including finance, technology, healthcare, law, real estate, advertising and marketing. Robin has interviewed over 1,000 thought leaders around the globe and has won 20 awards for editorial excellence. She has served on the Board of Directors of the Healthcare Businesswomen’s Association in both New York and San Francisco, and contributed to the book “Be Your Own Mentor: Strategies from Top Women on the Secrets of Success,” published by Random House. Robin is also the author of “Surviving Your Thirties: Americans Talk About Life After 30” and co-author of “The Strong Principles: Career Success.” Connect with her on LinkedIn or follow her on Twitter: @robinmadell.

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How Successful People Beat Stress originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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