first question:
slut.
but then think about how it goes for guys:
stud.
spot the double standard?
second question:
i've heard 'hold out'.
but then...
it isn't about what other people say about you so much as how you feel about yourself - isn't it?
and anybody who is going to be calling you names and disrespecting you (one way or the other) isn't really worth it surely...
(for what it is worth)