checks that it ' s not shittyaskflyingNice <| sep |> Glad I could help ! This question is one of the scariest things for me as an atheist , so I ' ve thought about it a lot . <| sep |> This job has taught me that I can say a lot of things but if I have a smile and keep the snark out of my voice , customers are usually happy . I struggle with that last part . <| sep |> Raptors are huge among visible minorities , in fact , no other Toronto team comes even close . All the teams have very distinct demographics . <| sep |> No . Him and Piers Morgan , we ' re never taking them back . Plus you have a perfectly good Alcatraz Island , maybe now you have another use for it <| sep |> I am not freaking out . I am holding a lot of the same stuff you are . In fact , I have been underweight smallmidcap and have been a buyer even as things continue upward . I am adding to my ETF ' s that are weighted heavier in financeenergy . I have been regularly buying consumer staples and health care , and I continue to buy them . Even though the health care sector has been rather muted in this . And because I know my wage for the remainder of 2016 , I know now that I can max out my Roth IRA in VTSAX and toss another $ 2700 at it before the end of the year I know I can contribute up to april next year , but i won ' t . Yes , I am going to put in more than 35 % of my Roth IRA investments in 2016 , and buy VTSAX at multiyear highs even . I believe this is that part of the investment phase where you buy things when they are cheap , and expensive . It just so happens that consumer staples and health care haven ' t performed as well as I want it to .