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b'On this week\\u2019s Money Matters, Scott and Pat discuss the ways this pandemic is changing real estate, long-term care, and the energy industry. They also review some estate planning strategies that could go away.\\nScott and Pat advise a Northern California woman looking for the best way to use her $785,000 pension.\\xa0 A caller asks if a collection agency can impact his ability to refinance a home.\\xa0A postal worker in Manteca, California, asks what kind of mortgage she can afford. Finally, a government employee with a yearly family income of $210,000 asks if he should do a Roth conversion when he starts a new business.\\nAsk a question by clicking\\xa0here, or email Scott and Pat at\\xa0questions@moneymatters.com.\\nDownload and rate our podcast\\xa0here.'