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Nuestra Misión
Nuestra Historia
stickK en las noticias
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Sobre stickK.com

Nuestra Misión

stickK promueve una vida más sana y feliz. Ayudamos a las personas a alcanzar sus metas y objetivos mediante la realización de Contratos de Compromiso.

Nuestra Historia

stickK se formó al combinar la experiencia personal con investigación académica. Nuestra historia comenzó hace unos años en la Universidad de Yale cuando a Dean Karlan (profesor de Economía en Yale y co-fundador de stickK) se le ocurrió abrir una “Tienda de Compromisos” en línea.

Él tuvo la visión de que las personas llegarían a la Tienda de Compromisos a firmar contratos que los obligarían a alcanzar sus metas personales, como bajar de peso o dejar de fumar. Dean experimento con este concepto al hacer contratos consigo mismo (ingresa aquí para leer su historia personal de pérdida de peso). Mientras tanto, dirigió una investigación y publicó un estudio sobre los Contratos de Compromiso como herramienta de ayuda para las personas que quieren ahorrar.

Entremos un poco en detalles técnicos...

El concepto de Contrato de Compromiso se basa en dos principios bien conocidos de las finanzas conductuales:

1. Las personas no hacen siempre lo que dicen querer hacer, y
2. Los incentivos logran que las personas hagan cosas

Dean creyó que la consciencia social y de salud del mercado demandan un servicio que facilite a las personas alcanzar sus metas.

Discutió sus ideas con sus compañeros académicos Barry Nalebuff, (profesor de la Escuela de Administración de Yale y co-fundador de Honest Tea) e Ian Ayres (profesor de la Escuela de Derecho de Yale y autor de Super Crunchers: Why Thinking-By-Numbers is the New Way to be Smart). A Barry e Ian les encantó la propuesta y muy pronto la idea de ‘stickK’ se convirtió en posibilidad realistica.

Barry les presentó a Dean e Ian a uno de sus estudiantes de Yale, Jordan Goldberg, qué se unió al equipo y aceptó la oferta de ayudar a lanzar esta nueva empresa. De ahí en adelante, Jordan empezó a trabajar con lo que hoy conocemos como stickK.

Y el resto, como dicen, es historia.

*Ashraf, Karlan y Yin, Quarterly Journal of Economics Mayo 2006, "Tying Odysseus to the Mast: Evidence from a Commitment Savings Product in the Philippines"

stickK en las Noticias

LA Times - Most New Year's resolutions fail. If you want yours to succeed, put some money behind it
01/01/2019

Many New Year’s resolutions are only half-intended from the get-go. But if you’re serious about improving your health or fitness, a commitment contract can give you hundreds of reasons to see it through each week. ... (Ver más)

Scientific American - Need More Self-Control? Try a Simple Ritual
12/01/2018

To take one notable example, on the commitment contract website stickK.com, users put down some money (say, $200) and state a goal they want to achieve (such as to lose ten pounds in a month). They also need to state what will happen to the money if they don’t stick to their commitments (eg, it’ll go to a friend or to a charity they do not like). ... (Ver más)

Bloomberg - Fattening Up Your 401(k) Will Be Easier Than Losing Weight in 2018
11/08/2018

When a referee is used, the average success rate is 61 percent for goals related to money and finance, says Jordan Goldberg, the company’s chairman. (For those wanting to lose weight, the success rate is a not-too-shabby 47 percent.) When the goal involves using both a referee and a financial stake, the success rate for financial resolutions is 87 percent (and a healthy 73 percent for pound-droppers). The power of loss aversion (who wants to “lose” money to a cause he despises?) and the natural distaste for failing to reach a stated goal are built into stickK's model. ... (Ver más)

DatingAdvice.com - An Innovative Platform Empowers Daters to Follow Through on Their Commitments
11/07/2018

The stickK platform has designed a science-based system that gets results. The team has found that people who set stakes for themselves on the platform are five times as likely to reach their goals in the allotted time. Altogether, the platform has seen more than 425,000 commitments created, and a growing number of those have been fulfilled. ... (Ver más)

Seattle Times - Peer pressure, applied well, can boost your financial health
09/01/2018

People don’t change their habits when the stakes are low, says Dean Karlan, a Yale economist who has studied incentives and accountability. Placing your money or reputation on the line with a goal raises the cost of failure, which acts as a motivator, he says. That’s why Karlan and two colleagues created Stickk.com, a goal-setting website that uses peer support to help people stick to goals, including financial ones. Assigning a “referee” to keep you honest doubles your chance of success, according to an analysis of Stickk’s users. ... (Ver más)

Reward Expert - Commit to Achieving Your Goals with stickK
02/12/2018

stickK, a community-driven online commitment-setting platform, can help you achieve your goals –New Year’s and otherwise– by empowering behavioral change... Combined with social accountability and the possibility of financial penalty, more than 437,000 Commitment Contracts have been created by users determined to reach their education, career, health, fitness, weight loss and lifestyle goals. ... (Ver más)

Men's Health - How to Boost your Willpower
11/01/2017

Back yourself. Put your own money on the line to harden your resolve. At stickk.com, you can place a real financial bet on whether your willpower can hold out. Fail and your money gets sent to a charity or friend. ... (Ver más)

thestar.com - Is money an effective weight-loss incentive?
04/17/2017

"...designed to nudge people into making the right decision." ... (Ver más)

The Village Voice - Carrot and Stick: New Apps Help You Bet Against Yourself to Lose Weight
01/11/2017

Created by three Yale professors, StickK (iOS and Android, prerelease, free)follows a similar model of financial incentive, allowing members to make legally binding "commitment contracts" with themselves for a multitude of habits to adopt or end, or goals to meet. ... (Ver más)

Financial Times - Why your new year resolutions are not working
01/10/2017

Psychologists haven’t completely cornered the market: economists can offer wisdom on behavioural change too. One of my favourite strategies is embodied by the website www.stickk.com. It was co-founded by Yale academics Dean Karlan and Ian Ayres, among others, and relies on two brutal behavioural truths: people do not like losing money (loss aversion), and they are likely to behave better when others are looking. ... (Ver más)

U.S. News Health - Why Your Activity Tracker Isn't Helping You Reach Your Fitness Goals
01/09/2017

Receiving a virtual reward (such as ribbons and badges) might give you a momentary rush, but it probably won't motivate you to commit to fitness for the rest of your life. Instead, try linking up with a program like Stickk that provides monetary or charity incentives to encourage you to take more steps per week. ... (Ver más)

Seattle Times - Here’s how you can keep your New Year’s resolutions
01/02/2017

Pick a goal and set up an incentive program. Levine recommends using stickK,a website designed to help people meet wellness goals with financial incentives, having a real-life accountability partner or making an appointment with a life coach. ... (Ver más)

Time Money - Money Checklist: 4 Ways to Get Your Financial Life
01/01/2017

Resolve to build wealth. Happy 2017! “I’ll save more” is a top New Year’s pledge. To motivate yourself, sign a contract at StickK.com to cough up money if you fail. And tell a buddy. One study found that sharing goals with a friend boosted success rates by 33% ... (Ver más)

Travel + Leisure - How to Save Money For Your Dream Trip
01/01/2017

Travel + Leisure - How to Save Money For Your Dream Trip 01/01/2017 There are a number of online tools to help with this step, but Harris recommends Stickk, a site designed to help people set goals, and then achieve them through reminders and alerts. You can even designate a friend as your “referee” to monitor your progress and keep you on-track. ... (Ver más)

Harvard Business School - Most Popular Episodes of the Cold Call Podcast
12/16/2016

Professor Leslie John studies how to help people change bad habits (and reinforce good ones) by looking at what makes them tick. Here, she discusses stickK, an application that motivates people by forcing them to put skin in the game of self-improvement. ... (Ver más)

Huffington Post - How I Read 65 Books in a Year Without Speed Reading
11/06/2016

If habit forming isn't your forte, try a web site like Stickk. You set a goal, pick a referee, and make a financial commitment to donate to a charity (or anti-charity) if you fail to achieve that goal. An anti-charity is an organization whose views you strongly oppose. There is no better incentive than a sizable public donation to the National Rifle Association (NRA) for an anti-gun activist to pick up that book and read. ... (Ver más)

PRWeb - Study from Palo Alto Medical Foundation Research Institute finds that Punishment May Work for Dieters
10/18/2016

Providing financial rewards correlates with more weight lost in studies of weight loss motivation, but what about financial punishment? New findings from the Palo Alto Medical Foundation Research Institute show that people who signed up to lose money for failing to meet specific dieting goals lost more weight. ... (Ver más)

Entrepreneur - How a $200 Bet Scared Me Off My Overweight Butt and Into Exercising Again
08/12/2016

When it comes to sticking to a commitment, money makes all the difference, says Jordan Goldberg, co-founder and CEO of StickK. “Attaching a financial incentive to your personal goals reinforces your resolve and willpower and increases your likelihood of success,” he tells me during a phone interview. Per StickK’s research, he points out, its users are three times more likely to succeed in achieving their goals... ... (Ver más)

Entrepreneur - 'No Porn at Work,' and 16 Other Bizarre Goals People Committed to
08/12/2016

“Attaching a financial incentive to your personal goals reinforces your resolve and willpower and increases your likelihood of success,” StickK co-founder and CEO Jordan Goldberg tells Entrepreneur. He claims people who use StickK are three times more likely to succeed in achieving their goals than those who don’t. ... (Ver más)

Harvard Business School - The Key to Keeping Resolutions? Betting Against Yourself
04/07/2016

The pain of losing something is just much more poignant than is the pleasure associated with the objectively equivalently-sized gains. Loss aversion kicks in. Simply put: you don't want to lose the money, and so that further propels you, or further motivates you to lose the weight. ... (Ver más)

Psychology Today - A New Way to Lose Weight and Keep it Off
03/25/2016

"...this approach worked so well that they founded the website stickk, (link is external) where anyone can define a goal and create incentives to make it happen. According to their data, if you appoint someone as your “referee” you potentially double your chances of success. Adding financial stakes--“skin in the game”--increases your chances of success by up to three times..." ... (Ver más)

STAT - Hate to Lose Money? Channel that Emotion to Help You be Healthier
02/15/2016

“We ask people to put up their own cash as a motivator to make a change,” said stickK.com CEO Jordan Goldberg. “The threat of losing something you already own is far more motivating than the lure of gaining something you never had.” ... (Ver más)

News 8 - Website Charges You to Keep You Accountable for Your Goals
02/02/2016

We’re a month into the New Year. Are you sticking to what you set out to do? Well, to help folks really commit, a Yale Professor started a website called stickK and it takes away your money if you don’t meet your goals. ... (Ver más)

The Washington Post - What Your New Gym Doesn’t Want You to Know
01/05/2016

So if you’re trying to goad yourself into exercising, you might consider creating a contract with yourself and giving yourself a small, designated reward (probably not a cupcake) each time you go to the gym. ... (Ver más)

Courier Journal, USA Today - Want to Lose Weight? Make a Fat Bet
01/05/2016

"...[stickK] use[s] the power of social networks and the incentive of a thinner wallet as the catalyst to help people be accountable to their goals." ... (Ver más)

Dataquest - 5 Apps That Can Help You to Keep Your New Year Resolutions on Track
01/05/2016

"This is a website which lets users set up a “commitment contract” where they agree to achieve a certain goal, such as losing weight, exercising more, quitting smoking, or conserving energy." ... (Ver más)

Daily Bruin - Bruins can stickK to New Year's resolutions When Stakes are Raised
01/05/2016

One solution comes in the form of the website stickK, which allows an individual to register their resolution online, set a financial penalty for failing to complete their goal, and appoint a person as a referee to ensure that the individual is sticking to their resolution. ... (Ver más)

Time: Money - How I Blew Christmas This Year — And How I’m Resolving to Do It Better Next Year
01/04/2016

Once you’ve established that you want to stow more away, you can make sure that you stick to your goals by signing up for StickK.com. The site, which was developed by Yale economists, lets users put money on the line for any given commitment — helping you feel the sting more acutely if you veer off course. ... (Ver más)

The Sydney Morning Herald - The Rational Approach to Keeping New Year's Resolutions
01/01/2016

Websites such as www.stickK.com offer a similar thing: allowing you to make a contract with your future self and set penalties – such as donations to causes you hate – in the event you break the contract. ... (Ver más)

CBS News - The Secret to Keeping New Year's Resolutions
12/31/2015

stickK.com allows users to set their goals and accomplish them by imposing a fine penalty. ... (Ver más)

Independent - How to Break Bad Habits and Make Good Ones, According to Science
12/31/2015

To stick to a resolution, the best time to decide upon it is in August, according to data by personal goals website StickK. This may seem unhelpful, but it’s likely the habit you’re determined to break has been niggling at your conscious for a while. ... (Ver más)

International Business Times - New Year’s Resolutions: 5 Goals To Boost Your Financial Health In 2016
12/31/2015

Action is the best cure for anxiety of any type, and financial stress is no exception. Reduce stress this year by setting at least one money-related goal, but make sure it’s achievable. “Goals work much better when they’re realistic and specific,” advised Dean Karlan, a professor of economics at Yale University and founder of the goal achievement website Stickk. ... (Ver más)

Time: Money - The Best Way to Pay Off Debts
12/30/2015

...raise the stakes with StickK.com, a site developed by Yale economists that provides commitment tools to help you meet your goals. Users who have vowed to pay money if they fall short have been successful 72% of the time, vs. 29% for those who don’t pledge any money. ... (Ver más)

TH Online - Ease the Shopping Burden a Bit with These Ideas
12/13/2015

Resetting for the New Year? Try stickK (stickk.com), a goal-setting app that helps you track your progress and allows you to set monetary incentives. Achieve your goals and get your deposit back, fall short and your cash gets sent to a charity, friend or foe -- whichever is most motivating for you. ... (Ver más)

ETF Trends - How Tech Can Help With 3 Behavioral Finance Biases
11/23/2015

stickK, developed by Yale behavioral economists, penalizes users for not reaching goals by donating their money, depending on the chosen settings, to a charity, to friends or to an organization the user opposes. Users can also make their goals public and invite friends to serve as supporters for encouragement, peer pressure and added accountability. ... (Ver más)

Fast Company - The High-Stakes Way to Keep New Habits
07/21/2015

Since its founding, stickK has attracted users with goals ranging from brushing their teeth daily to saving for retirement, to cleaning out the garage. Each user chooses a goal, sets their stakes (how much money they lose and to what organization if they don't follow through), and selects a referee to work with. They then track their progress through weekly reports. ... (Ver más)

Fitness Magazine - 7 Habits of High Effective Exercisers
07/20/2015

Sobre stickK.com

Nuestra Misión

Nuestra Historia

stickK en las Noticias

Fundadores

El Equipo

Inversión y Participación