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On this week's Money Matters, Scott and Pat discuss the long-term problems with \u201cmomentum investing,\u201d and why Blockbuster is a good illustration of the potential downfall of today\u2019s hot stocks.\nScott and Pat advise a caller, who owes $550,000 on his mortgages, about whether he should convert his primary residence into a rental. A caller with $760,000 in his 401(k) asks if he can create a $100,000 fund for home renovations and vacations. Scott and Pat speak with a hospital employee, with a family income of $240,000, who wants to save on future tax bills. A man asks if his wife should take Social Security at age 62. Finally, a Minnesota caller asks if a gold-backed debit card could help protect his savings.\nAsk a question by clicking\xa0here, or email Scott and Pat at\xa0questions@moneymatters.com.\nDownload and rate our podcast\xa0here.