Ellen Chang is a freelance journalist who is based in Houston and writes articles for U.S. News & World Report, TheStreet, Kiplinger’s and Bankrate. Her byline has appeared in national business publications, including USA Today, CBS News, Yahoo Finance and MSN Money. She is a proud graduate of Purdue University and a lover of random acts of kindness, volunteering and dogs. Follow her on Twitter at @ellenychang and Instagram at @ellenyinchang.