Kiplinger Associate Editor Pat Mertz-Esswein tells Ryan and Sandy why now is a great time to refinance your mortgage. Ryan urges caution when it comes to playing the recent surge in gold prices, and the cohosts talk savings bonds and negative interest rates in a new edition of Financial Fact or Fiction.

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Time to invest in gold?: https://www.kiplinger.com/article/investing/T026-C000-S002-time-to-invest-in-gold.html; Best ETFs to buy for portfolio protection: https://www.kiplinger.com/slideshow/investing/T022-S000-the-11-best-etfs-to-buy-protect-market-crash/index.html; Check bullion prices: https://www.kitco.com/; Now is a good time to refinance: https://www.kiplinger.com/article/real-estate/T040-C000-S002-now-is-a-good-time-to-refinance.html; Bond basics: U.S. savings bonds: https://www.kiplinger.com/article/investing/T052-C000-S001-what-you-need-to-know-about-u-s-savings-bonds.html; What grandparents need to know about savings bonds for a grandchild's education: https://www.kiplinger.com/article/taxes/T054-C050-S002-using-savings-bonds-for-grandchild-education.html; Negative interest rates (from 2016): https://www.kiplinger.com/article/investing/T052-C003-S002-negative-interest-rates-no-way-usa.html