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.
Our everyday, waking brain used for active intelligence operates at approximately 13 hertz, which is in the range of high alpha or low beta frequencies. People who have certain learning disabilities and problems with attention often have low levels of 13 hertz frequency brainwaves in crucial areas of the brain used for sequencing tasks and doing simple math calculations. This is one concrete example of how brainwaves are associated with thinking and behavior. Each identified brainwave frequency has a different effect on a person’s ability to think, act, and feel.
Brainwaves are the collective electrical signal of millions of neurons working together in a living brain, producing our sense of alertness – or lack thereof - and producing our experience of reality. As brainwaves change, so does our perception of the world and our inner perception of ourselves. By learning to control our brainwaves, we can achieve specific, desirable mental states, such as feeling more relaxed, less anxious, more creative, more focused, or sleepier.
“Binaural beats are not very noticeable because the modulation depth (the difference between loud and quiet) is 3 db, a two-to-one ratio. (Isochronic tones and mono beats easily have 50 db difference between loud and quiet, which is a 100,00-to-1 ratio). This means that binaural beats are unlikely to produce an significant entrainment because they don’t activate the thalamus.”
Beating can also be heard between notes that are near to, but not exactly, a harmonic interval, due to some harmonic of the first note beating with a harmonic of the second note. For example, in the case of perfect fifth, the third harmonic (i.e. second overtone) of the bass note beats with the second harmonic (first overtone) of the other note. As well as with out-of tune notes, this can also happen with some correctly tuned equal temperament intervals, because of the differences between them and the corresponding just intonation intervals: see Harmonic series (music)#Harmonics and tuning.
♥ I've suffered from patches of insomnia throughout my life, extending from a few days to dragging on for several weeks, and no amount of the usual proper "bedtime ritual" normally recommended, calms me, as my brain is overactive. Layering combos of the Binaural/Bilateral sounds right before sleep effectively resets me, allowing me to sleep like a normal human. I can't express enough gratitude!
Binaural beats are auditory brainstem responses which originate in the superior olivary nucleus of each hemisphere. They result from the interaction of two different auditory impulses, originating in opposite ears, below 1000 Hz and which differ in frequency between one and 30 Hz (Oster, 1973).For example, if a pure tone of 400 Hz is presented to the right ear and a pure tone of 410 Hz is presented simultaneously to the left ear, an amplitude modulated standing wave of 10 Hz, the difference between the two tones, is experienced as the two wave forms mesh in and out of phase within the superior olivary nuclei. This binaural beat is not heard in the ordinary sense of the word (the human range of hearing is from 20-20,000 Hz). It is perceived as an auditory beat and theoretically can be used to entrain specific neural rhythms through the frequency-following response (FFR)--the tendency for cortical potentials to entrain to or resonate at the frequency of an external stimulus. Thus, it is theoretically possible to utilize a specific binaural-beat frequency as a consciousness management technique to entrain a specific cortical rhythm.  
Isochronic tones work by influencing your brainwave activity and they can’t directly affect the body. That said, the brain does control the body, so sensations and feelings can sometimes be felt in the body after stimulating your brainwave activity. Some people who are new listeners of this type of audio can sometimes feel tingling sensations in their body. Not everyone feels this and these sensations usually stop once you get more used to using the audios. Isochronic tones are considered as a safe technology. However, sometimes they can leave you feeling temporarily fatigued, especially if you listen to them for an extended period (hours) when you first start using them. If you felt fatigued, I would recommend using them for a much shorter period while you are getting used to them and ensure you are well-hydrated.

One faulty expectation as it pertains to brainwave entrainment is that listening to an entrainment track is the same as meditating. If you’ve understood the principles so far as they’ve been laid out you understand why this idea is completely untrue. If the answer is not yet obvious to you, read the material covering these principles again and try to grasp their meaning.

Monaural beats have similarities to binaural beats, but the two separate frequencies are delivered through a pulse pattern and mixed before they reach the listeners ears, resulting in the advantage of being audible without stereo headphones. However, using stereo headphones intensifies the effectiveness of monaural beats and is recommended for the best effect. 

The functional role of neural oscillations is still not fully understood;[6] however they have been shown to correlate with emotional responses, motor control, and a number of cognitive functions including information transfer, perception, and memory.[7][8][9] Specifically, neural oscillations, in particular theta activity, are extensively linked to memory function, and coupling between theta and gamma activity is considered to be vital for memory functions, including episodic memory.[10][11][12]