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

What Is Net Present Value and How Do You Calculate It?

What Is Net Present Value and How Do You Calculate It?

Net present value is one method for an investor to determine their return on investment.

8 Best To-Do List Apps to Get Things Done in 2018

8 Best To-Do List Apps to Get Things Done in 2018

To-Do List apps can help you stay mindful of all those projects.

What Is Business Valuation and How Do You Calculate It?

What Is Business Valuation and How Do You Calculate It?

Business valuations must be conducted on a regular basis because investors must know the worth of a company.

Travel Checklist for Road Warriors and Vacationers

Travel Checklist for Road Warriors and Vacationers

Follow these tips for an uneventful business or leisure trip.

What Does a SIM Card Do and Why Do You Need One?

What Does a SIM Card Do and Why Do You Need One?

SIM cards are used in smartphones and store valuable data.

What Is Compound Interest and How Is It Calculated?

What Is Compound Interest and How Is It Calculated?

Compound interest helps consumers save more money for their rainy-day fund or retirement portfolio.

Futures Vs. Options: Which To Invest In

Futures Vs. Options: Which To Invest In

Investing in the futures and options markets means individuals need to be prepped for more volatility.

How Does Rent-to-Own Work? What are the Pros & Cons?

How Does Rent-to-Own Work? What are the Pros & Cons?

Renting-to-own allows individuals to boost their credit score and apply their rental payments toward the down payment for the home. But there are also risks.

Why Going to Urgent Care Is Better Than the ER

Why Going to Urgent Care Is Better Than the ER

For a sore throat or a minor scrape, going to an urgent care will save you time and money.

Can You Skip a Car or Mortgage Payment?

Can You Skip a Car or Mortgage Payment?

Negotiating with the lender at the first sign of trouble could help consumers receive a reprieve.