With every choice you make, there are irreversible implications, and if your choices guide you down a path not suited to your play style, you will suffer for it.

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For those of you who also suffer, or have someone in their life who suffers, I wanted to share what I've learned.

CNN: Anxiety, you're not the boss of me

The bright-eyed kids at the Harvard College Sports Analysis Collective, a student-run sports analytics group at Harvard University, have a present for you: They've figured out which teams will suffer the humiliating upset.

WSJ: Picking an Upset in the NCAA Tournament

If you're careful, you can get lots of mileage from your donations. (See related story, p. 165.) But if you aren't, you can either suffer unpleasant investment surprises or get a nasty bill for back taxes and interest.

FORBES: The new giving game

We saw perfectly fine companies, such as Applied Materials, an arms supplier to the Web, suffer share price skids of 40%, even though any chowderhead could tell you that demand for chips is a mortal lock to quadruple over the next five years.

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"If you tried to take this current Republican brand onward for a generation, we would suffer greatly in Hispanic communities and we would face serious problems across the state, " said the strategist, who did not want to be identified criticizing his party.

CNN: Latino boom makes Orlando proving ground for Obama

But you could instead suffer a stroke, or get hit by a bus and immediately need someone else to make medical decisions for you.

FORBES: Sign A Healthcare Proxy, Living Will And Power Of Attorney

Is it something you'd like to do or is it going to suffer from budget cuts to pay for missions to the moon and further to Mars?

NPR: Revisiting the Viking Missions to Mars