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

How Negative Interest Rates Work

How Negative Interest Rates Work

Negative interest rates are enacted during dire economic times and intended to boost spending and lending. Here's what you need to know when rates drop below 0.

How to Make the Most Money in Your Savings Account

How to Make the Most Money in Your Savings Account

As interest rates rise, saving money in CDs generate more income. Here's how online banking can help.

Why Millennial Women Save Less Than Men

Why Millennial Women Save Less Than Men

Millennial women workers are still saving less money in their 401(k) plans than men.

Why Millennials Love Warren Buffett

Why Millennials Love Warren Buffett

Warren Buffett has billions of fans globally, including Millennials who love his trading strategies and style.

How to Refinance or Consolidate Your Student Loans

How to Refinance or Consolidate Your Student Loans

If your student loan payments are becoming unaffordable, it might be time to consider refinancing or consolidating them.

How to Get Dental Care You Can Afford

How to Get Dental Care You Can Afford

Many people either do not have dental insurance or the coverage only includes routine procedures. Out-of-pocket costs can reach the hundreds.

Don't Do This: Business Empires Built on Credit Cards

Don't Do This: Business Empires Built on Credit Cards

Many entrepreneurs have turned to credit cards to fund their startups. Bad idea. Crowdfunding is the better option.

Tesla Is Among 5 Toxic Stocks for 2018

Tesla Is Among 5 Toxic Stocks for 2018

Here are five stocks that investors should avoid adding to their portfolio in 2018.

Why Large-Cap Financials Outperformed Information Tech

Why Large-Cap Financials Outperformed Information Tech

Large-cap financials outperformed large-cap information technology stocks in the last two months of 2017.

Jobs Where People Are Paid the Most Money in the U.S.

Jobs Where People Are Paid the Most Money in the U.S.

Still waiting for that well-deserved raise? Many employees are seeking jobs that pay more money, instead.