Ellen Chang

I'm a freelance journalist who writes about energy, business and personal finance. Follow me on Twitter @ellenychang.

Recent Articles By The Author

Top 5 Lowest 30-Year Mortgage Rates

Top 5 Lowest 30-Year Mortgage Rates

Here is how to snag the absolute lowest rates for a traditional 30-year fixed rate mortgage, especially if you are a first-time homebuyer.

How to Combat Errors on Tax Forms

How to Combat Errors on Tax Forms

Errors on tax forms may appear benign, but some have led to audits of taxpayers, which can be costly in both time and finances.

Investing Your Tax Refund Now Delivers Greater Returns

Investing Your Tax Refund Now Delivers Greater Returns

While it's tempting for consumers to spend their tax refund, investing their tax dollars in an IRA or stocks now can generate a substantial amount of savings.

High-Yield Junk Bonds Could Experience Near-Term Volatility

High-Yield Junk Bonds Could Experience Near-Term Volatility

High-yield bonds, commonly known as junk bonds, may face near-term volatility as investors may seek to sell them as the market heads into a rising interest rate environment.

5 Lowest 7-Year ARM Mortgage Rates

5 Lowest 7-Year ARM Mortgage Rates

Homebuyers can snag the lowest rates, especially if they don't plan on staying in their first home for more seven years and are seeking the 7/1 adjustable rate mortgages (ARMs).