The effects are strongest while you are listening to the tones because your brainwaves are synchronized and tuned into the frequency range you desire at that time.  After you've stopped listening the effects can still linger for a while afterwards.  The timescale will vary from person to person and be affected by what you do after you've stopped listening.

Limiting your cash withdrawals to once a week is a quick, easy way to monitor your spending habits. Multiple trips to the ATM make it harder to track your money. If you put yourself on an allowance and pay cash for everything, you're more aware of what you're spending and more careful about what you buy. And while thinking about your finances may be enough to send you over the edge, it turns out that getting them under control eases tension in the long run. (Money and work tied for first place as the leading sources of stress, according to an APA survey.) When you have a weekend afternoon free, try this take-control move: Write everything down, so you can see exactly where you stand financially--what you owe, the amount of interest, your monthly income, your budget. Not facing what you're up against creates even more stress, because it's always in the back of your mind. But once you have the information down, you can begin setting concrete goals using real figures. And taking action will make you feel so much better.
These two tracks entrain the brain to specific frequencies in the lower regions of Beta brainwaves, beneath 20 Hertz. Most people are operating in a stressful brainwave frequency above 20Hz during their days, so listening to these tracks while you work, commute, run errands or anything else during your waking day will help you maintain a calm, yet active state of mind.
Reading can be a wonderful (and healthy) escape from the stress of everyday life. Simply by opening a book, you allow yourself to be invited into a literary world that distracts you from your daily stressors. Reading can even relax your body by lowering your heart rate and easing the tension in your muscles. A 2009 study at the University of Sussex found that reading can reduce stress by up to 68%. It works better and faster than other relaxation methods, such as listening to music or drinking a hot cup of tea. This is because your mind is invited into a literary world that is free from the stressors that plague your daily life.
If you’re going to enter a state of meditation, a technique of some sort must be employed that takes you there. (Note – I am fully aware of references to “spontaneous enlightenment experiences”, but these are an entirely different category of phenomena than what is being discussed here and are outside the scope of this discussion. Perhaps another time.)
With the binaural beats, this may be difficult to do since you need to listen to the twin frequencies and allow your brain to create a third one to bridge the gap. Ideally, you will be listening to these beats through headphones so carrying out other work may be challenge. However, with isochronic frequencies, the tone can be heard without headphones which means you can run the mp3 with a speaker and allow it to play in the background as you carry out your work. Of course, activities such as driving or operating heavy machinery should NOT be undertaken when you are listening to these tones because your attention is shared between the two tasks. Tasks like gardening or sewing or cooking can be done while your brainwave entrainment music is playing.
Sound and light are the most popular methods to entrain the mind, yet there are a few other options in our toolbox. Using vibrational energy from sources such as magnets and electricity has been proven to help overcome addictions, depression, and even treat neurological disorders such as Parkinson’s. In this section, we cover these alternative forms of brainwave entrainment.
Move-Thru-It Strategy: to support optimum recovery rates, use 6-8 pumps or 3-4 droppers. Repeat every 1-3 hours for a day or two (with a good night's sleep). The idea here is a persistent frequency. Once you have achieved initial results, you can switch to more conventional usage patterns such as 3-4 times a day. For example: Kick-Ass Immune, Get Over It
As to the second question raised in the above paragraph, audio with embedded binaural beats alters the electrochemical environment of the brain. This allows mind-consciousness to have different experiences. When the brain is entrained to lower frequencies and awareness is maintained, a unique state of consciousness emerges. This state is often referred to as hypnogogia "mind awake/body asleep."  
This music encourages a state of delta relaxation. Delta brainwaves are most prevalent during deep, dreamless sleep. The delta state is a mostly unconscious state that is essential to one’s physical, emotional, psychological and spiritual wellbeing. People who are able to achieve a state of delta relaxation through meditation will sometimes describe spiritual encounters and out of body experiences. The delta state is perfect for inducing profound spiritual experiences, healing and deep subconscious repatterning. Delta frequency brainwave entrainment music is also a fantastic cure for insomnia.
Brainwave entrainment is a field of study and endeavor founded in the same physiological and psychological processes that make music, drumming, and chanting so powerful as methods for transforming the mind and spirit and aiding in healing of the body. These processes involve how the electrical energy in our brains synchronizes with sounds and visual stimuli, producing a particular brainwave frequency and its associated mental states. 
Another consideration of stress is whether it is acute or chronic. “Acute stress” is what an individual experiences at the time the stressor is encountered (4). The stress response is activated, and the body returns to homeostasis once the challenge of the stressor is removed or the person successfully manages the situation. For example, an individual on the way to an important meeting gets into a traffic jam and realizes she is going to be late; the stress response starts. When she calls her boss and learns that she can conference into the meeting while on the road, the stress response subsides with the resolution of the situation. When an individual experiences acute stress on a consistent basis, such as with overcommitting at work or constant worrying, it is referred to as “acute episodic stress” (4). Individuals who experience acute episodic stress often show signs and symptoms of stress (Table 1) that can negatively impact physical and psychological health. These individuals can learn how to change behaviors and manage their stress to prevent these consequences.

Please note: When you take one earphone out, move it as far away from your ear as possible. With some headphones you may still be able to hear the pulsating sound if the removed headphone is still fairly close to your ear; this is because your brain can still detect the frequency vibration coming from the headphone. In addition, push the earphone that’s still on your ear tightly to your ear, while moving the other earphone as far away as possible.

^ Bittman, B. B., Snyder, C., Bruhn, K. T., Liebfreid, F., Stevens, C. K., Westengard, J., and Umbach, P. O., Recreational music-making: An integrative group intervention for reducing burnout and improving mood states in first year associate degree nursing students: Insights and economic impact" International Journal of Nursing Education Scholarship, Vol. 1, Article 12, 2004.
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