If you place your money with a peer-to-peer lender like Zopa, you are not lending to Zopa, in the way that you are lending to Barclays if you put your money on deposit with Barclays.

BBC: What threat to banks from internet lenders?

And, either way, you can go back in and keep tweaking, with no App Store standards or peer review except your own.

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"The study points out that slipshod diagnosis can be a problem, and if you're getting diagnosed with ADD just because you're immature compared to your peer group, then that's not good, " says Dr. Edward Hallowell, a psychiatrist with offices in New York City and Sudbury, Massachusetts, who specializes in treating children and adults with ADHD.

CNN: Youngest kids in class more likely to be diagnosed with ADHD

Rice says it would be most beneficial to have a "360 degree network" of high performers, meaning surrounding oneself with successful people who are more senior than you, at your peer level and working beneath you.

CNN: Ditching work friends could be the best career move