Many of the hot funds of the past got that way by taking big risks on just a few stocks or sectors. However, the dangers of a concetrated portfolio outweigh the occasional impressive gains. Plus, Tom and Don discuss: Should you have invested in the lottery? Are ARMs better than fixed-rate morgages? Then we take listeners questions: What is the difference between bank and brokered CDs? Can you pick which IRAs from which to take withdrawals? What are the call letters of our Seattle station? Lea...