A well-educated black has a tremendous advantage over a well-educated white in terms of the job market. I think sometimes a black may think they don't have an advantage or this and that... I've said on one occasion, even about myself, if I were starting off today, I would love to be a well-educated black, because I believe they do have an actual advantage.
When stocks are attractive, you buy them. Sure, they can go lower. I've bought stocks at $12 that went to $2, but then they later went to $30. You just don't know when you can catch the bottom.