Frank Vasquez: Risk Parity Radio is kind of like a dive bar of personal finance and do it yourself investing. There are basically two kinds of people that like to hang out in this little dive bar. The larger group includes a number of highly successful Do It Yourself investors, many of whom have accumulated multi-million dollar portfolios over a period of years. And so without further ado, here I go once again with the email from our number one Denison of the Peanut Gallery.