David Dowden, portfolio manager at MacKay Municipal Managers, said he expects the Federal Reserve to do one more rate hike -- during the first half of the year, or earlier than many other observers expect -- but he said that the bond market holds a lot of challenges for investors, like an abundance of muni-bond options that are creating a buying opportunity while alos potentially creating value traps. Also on the show, Kelly Anne Smith of BankRate.com discussed how much money people expect to spend for Valentine's Day, Marc Schneider of Zebit.com discussed how his unique shopping site -- which charges no interest and no late fees on payments -- actually works, and David Trainer of New Constructs put a mutual fund in the 'Danger Zone.'