tiger

- Don't
buy stupid stuff. Sports cars. Boats. Vacation houses. Unless they really
represent a very small percent of your net worth and unless you have really been honest
about the lifetime cost of them, taking into account depreciation, taxes, insurance,
maintenance, and the question of whether you are spending at a rate that will let the
money last forever. "Don't buy anything you can rent" is a mantra that a lot of rich
people maintain (which is how they stay rich).-
Don't angel invest except with fun money. Even the
best don't always make positive returns, and you are not the best. If you must, then
assume every dollar you put into play is going to be lost, and you are just doing it for
fun.- Diversify. Many folks who work in tech want to take
their money and put it back into tech stocks. Bad idea: you don't have any special
knowledge of the industry that would make it likely you can beat the market. And, it works
against diversification, especially if you stay in tech and have money tied up into
options in other companies. If you work in tech, the rest of your portfolio should be
balanced away from tech given the exposure you have in your job.-
Don't loan money to friends and family. This will kick off a vicious
cycle that will not end well. It will change your relationships with both the people you
lend the money to as well as the ones you didn't. If they can't get a bank to lend them
money, they should not be borrowing the money, period. The only exception I can think of
may be some life threatening situation where you are literally a last resort.-
Buy experiences, not stuff. Take sabbaticals or breaks between
jobs.  Travel. See new places. You can travel fairly cheaply in most parts of the
world. This is another reason not to spend money on possessions like vacation houses and
boats that weigh you down.- Be yourself. Keep your current
friends, hobbies, personality, spouse. Don't spend any time trying to figure out "how rich
people act." With most rich people, you wouldn't even know they were rich when you met
them (except for the d-bags who are trying to "act rich" and be players).-
Don't overthink it. Don't think money will make you miserable (it is
actually pretty great). And don't assume it will make you happy... assume you'll pretty
much stay where you are. Don't obsess about if your friends will see you differently (if
you don't act like it is a big deal, then they won't. There is no need to launch into some
existential angst about what it all means. Appreciate it, enjoy it, and move on to more
important stuff.I've always done most of these. It always worked out great
when I did, and in the few cases, I didn't follow my own advice, I regretted it.

The Science Of Sex: Why Women Do It

It's the age-old question that men often ask themselves: Why do women have sex? And
why do women have sex without
commitment? It might be easy to assume that a woman's sexuality is like a
man's, but if that were true, why would so many men still believe that there are good girls
for marrying and fun girls for, well, fun? (That double standard is a myth, by the
way.) Before you label her one thing or the other, consider her motives for hooking up
with you.
She Thinks Everybody's Doing It
Women feel pressure to have sex because of an urban legend that says “everyone else
is doing it.” In actuality, this isn't true. A survey given on college
campuses shows that college students talk about hookups far more than they're
actually occurring, so women think that becoming sexual with a man early on is normal
behavior.
She Wants A Relationship Afterward
Women believe that hookups eventually lead to relationships. In one survey on the
subject, more than half of women believed that a sexual hookup is a stepping-stone to a
relationship. But the truth of the matter is, the earlier sex occurs in a relationship,
the less likely the relationship will last.
She Wants To Audition You
Women (and men) think they need to test out the sexual chemistry
of a relationship to make sure they're sexually compatible with their partner. If
this were true, then people with the hottest sex early on would have the longest and most
fulfilling relationships. But a study of more than 2,000 couples showed that the hotter
the sex, the worse the outcome of the relationship. Sexual chemistry is something that is
fashioned through emotional intimacy.
She Desires To Be Desired
Sex researchers have long known that women have different kinds of sexual
“needs” than men. Women's sexuality tends to be responsive, meaning that
we respond to sexual opportunity rather than seek it out to fulfill some kind of necessary
quota. When women meet someone they are attracted to, their sexual responses turn on. When
they break up from a sexual relationship, they aren't as likely as men to replace
that relationship with daily masturbation or pornography. When single women feel
“horny,” it is often an extension of their emotional need for companionship.

She Finds Your Brain Super-Sexy
Unlike men, who have far more biological pressure to mate according to physical cues,
women may even mate with men who are not classically (symmetrically) physically
attractive. Women may become aroused by personality, humor, self-confidence and social
status, among other things.
She's Too Old To Have A Bad Reputation
Women of a certain age actually have a heightened sex drive in response
to their dwindling fertility. It's as if when the baby factory shuts down, it
pummels an arsenal of hormones and the odd healthy egg down those fallopian tubes,
machine-gun style. One study found: “Women with declining fertility think more about
sex, have more frequent and intense sexual fantasies, are more willing to engage in sexual
intercourse, and report actually engaging in sexual intercourse more frequently than women
of other age groups.” The moral of the story? If you're thinking
about settling down and starting a family soon, support her if she chooses to put sex on
hold until you have built an emotionally intimate relationship. The skills you both need
for a long-term relationship (good communication, empathy, conflict resolution skills) are
very different than the skills you need for a short-term relationship. And I think you
know what those are. Dr. Wendy Walsh's book, The 30 Day Love
Detox, comes out on Valentine's Day 2013.