On this week's Money Matters, Scott and Pat discuss an alleged $1.8 billion Ponzi-like scheme and how unsuspecting investors lost their retirement savings.\n\xa0\nScott and Pat advise a South Carolina caller who asks if he should make a 20% down payment on a house when interest rates are low. A caller asks if he should pay for a bathroom remodel by selling stocks or using a HELOC.\xa0 Scott and Pat speak with a caller concerned about the future of bonds. Finally, A former trader, who initially had $800,000 invested in Apple, asks if long-dated call options will help protect his investment.\n\xa0\nAsk a question by clicking\xa0here, or email Scott and Pat at\xa0questions@moneymatters.com.\n\xa0\nDownload and rate our podcast\xa0here.