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Jenny Chang

Senior writer at FinancesOnline who writes about a wide range of SaaS and B2B products, including trends and issues on e-commerce, accounting and customer service software. She’s also covered a wide range of topics in business, science, and technology for websites in the U.S., Australia and Singapore, keeping tabs on edge tech like 3D printed health monitoring tattoos and SpaceX’s exploration plans.

Articles published by Jenny Chang:

Category: Financial News

10 Big Ideas for Small Spaces

If, like many young Americans, you’re one your own for the first time and moving into an apartment or condominium with a small space, here are some wonderful decorating ideas to make your new home more livable. You’ll create the illusion of bigger space, or at least make your quarters a place you’d like to […]
Category: Financial News

ATRA offers some relief to taxpayers

Everyone’s keeping track of how their taxes will be affected by the American Taxpayer Relief Act of 2012 (ATRA) enacted to avert the fiscal cliff. Most of the focus, however, has been on   payroll tax rates and individual income tax rates. Rightly so, because these are the changes that affect taxpayers monthly. So you know […]
Category: Financial News

How Much Do You Need to Save for Retirement?

Most Americans struggle to balance the burdens of daily expenses with the need to save for retirement. The firm resolve to resort to penny-pinching measure to free up income for greater savings often crumbles in the face of day-to-day financial realities. Actions taken to reduce financial stress such as spending less, using coupons, or comparison […]
The Bottom Line on Top-of-the-Line Smartphones
Category: Financial News

The Bottom Line on Top-of-the-Line Smartphones

With Blackberry finally outing its flagship models running on OS10, the die is cast and the battle for your hearts and wallets is on in earnest. There will be shakeups here and there, minor skirmishes, and major word wars between loyalists of Blackberry, Apple, Samsung, Nokia, and new player Google. Smartphone brands have become global […]
Category: Questions & Answers

1500 Payday Loan Guaranteed Today: How To Get It Quickly?

Gerard asked us the following question: “I noticed that many lenders are offering loans that breach the $1,000 mark. Clearly, this amount is no longer just useful to buy a car tire, replace a busted pipe or buy medicine in an emergency. Where else can these loans be used to maximize the higher amounts?” – […]
Category: Questions & Answers

300 Dollar Payday Loan: How To Get It Wisely?

Patrick asked us the following question: “Can I share my success story with you? I took a 300 dollar payday loan recently to pay for two busted tires. I want to share how I managed this loan properly so others may see that these loans can be useful when you know how to use them.” […]
Check Out These 4 Local Library Finds
Category: Financial News

Check Out These 4 Local Library Finds

Libraries aren’t just for books anymore! Libraries have long been one of the greatest public services offered by the government—there is nothing better than free knowledge available to all. If you thought that the library was just for books these days though, you’re mistaken. This government lending business has been expanding in fun ways in […]
Category: Financial News

Cheap Winter Vacations: A Guide to 5 Winter Destinations

It’s cold, it’s dark, it’s snowing, and it’s miserable. It’s time to save yourself from the winter gloom. Looking for a winter getaway with a budget? Look no further. Puerto Rico I am always amazed at how cheap flights to Puerto Rico are if you do a little research. Depending on where you are flying […]
Category: Financial News

The NRA is lobbying and the gun companies are paying the bills

The NRA (National Rifle Association) was founded in 1871 by Civil War veterans of the North, back in the days where the most dangerous firearm was a revolver. The organization was founded by William Conant Church and General George Wood Wingate, two men who had genuine goals of teaching Americans about the recently-invented “rifle” (which […]
Category: Questions & Answers

CSS and Web Standards: How They Affect Your Small Business?

Elaine has made the big decision. She’s opting out of the rat race, will quit her job in two weeks and is busy preparing for facing the world on her own. She’s always loved making fancy period clothes and knows she can be very good at it. She also knows that her only chance of […]
Category: Questions & Answers

Easy bad credit personal loans with fast online approval: 2 reasons that make them unique

They may look similar on the surface but online loans and storefront loans have subtle but significant differences. Rodney wants to know what these are: “I’ve checked easy bad credit personal loans with fast online approval and compared it with storefronts that offer payday loans. The interest and terms are almost the same. I’ve used […]
Category: Questions & Answers

Guaranteed personal loans online with instant approval: The pros and cons you may not realize

Guaranteed personal loans online with instant approval are easy to get now with more choices to choose from. While that’s a clear advantage for borrowers, there are disadvantages. Drew wants to know more about both the pros and cons. “Just like millions of Americans today, I’m turning to online personal loans to augment my income. […]
Category: Questions & Answers

How to get a loan with bad credit from a lender you can trust

People with bad credit often find themselves shut off from bank and mainstream credit loans. Can they still take out a loan? Vince wants to know. “I thought that after paying off my overdue debts my credit score would be okay. I was wrong. I’ve been carrying this black mark for two years now. Banks […]
Category: Questions & Answers

Where can I get a loan with bad credit? Quick tips on finding a reputable lender

Having money to do with as you please is always a good thing. You can buy whatever you want and not lose sleep about it. Unfortunately for most us, this isn’t really the case. Only a handful of people can afford to live like this. We, on the other hand, have to agonize over every […]
Category: Questions & Answers

Loans for Bad Credit Online: How to keep your credit healthy

You’ll find articles about loans for bad credit online. In particular, you’ll be warned about the real interest rates behind unsecured bad credit loans. They’re extremely high and they could put you in greater risk than you were before you made the loan. Truth is, high interest rates are not new. They have been around […]
Category: Questions & Answers

Easy loans online: help and information on how to apply

Is there something you really need ASAP that just can’t wait but you don’t have the cash for? Is your need really all that urgent and can’t possibly wait. Let’s listen to Robert. The kitchen in our house of 20 years has been calling for new tiles for many years now. The current floor is […]
Category: Questions & Answers

Instant Loans Online: Everything you need to know before you apply

Loans are not evil, we have to be clear on that. Businesses survive by using loans wisely. Individuals can use instant loans online to help them get through a difficult patch. Take the case of Samantha: Some people think they have it really bad. I think they have no clue. How’s this for rock bottom […]
Category: Questions & Answers

Online loans no credit check: Easy Solutions to make your loan approval a success story

We often read negative stories about online loans no credit check. ConsumerReports.org gives this tragically often familiar case when online loans no credit check put the borrower in a debt trap. John wants to know if, in fact, there are success stories from using these loans: “I’m considering getting a payday loan but I read […]
Category: Questions & Answers

Online loans instant approval: How to find out if a quick loan is good for you?

Leah googled “online loans instant approval” and she got a slew of online loans going by different names. She wants to know if they’re all the same: “Hi, I searched for online loans using ‘online loans instant approval’ and got different loan names such as payday loans, short-term loans, cash advance, etc. Are all of […]
Category: Questions & Answers

Online Loans: Best Way to Use Them Wisely And Stay Out of Trouble

Today online loans are easy to secure if you have a job and bank account. All you need is to fill up an online application form with personal and work data and you can get approval on the same day and usually without a hitch. But online loans have higher interest rate and stiffer penalties. […]
Category: Financial News

Education Inequality: How Income Inequality Blurs Education As The Great Equalizer

Education has always been touted as the last bastion of hope for equality, which, when accessed by the youth who are the leaders of the future, will truly serve as the great equalizer. But with income inequality on the rise globally and worsening in America, a so-called achievement gap between rich and poor children is […]
Ten Tight and Tricky Financial Challenges That Will Test  African-American Resilience in 2013
Category: Financial News

Ten Tight and Tricky Financial Challenges That Will Test African-American Resilience in 2013

With various financial challenges that have historically hounded the average African-American household, coupled with the result of the US fiscal cliff negotiations that set the stage for economic and social changes in 2013, some very important questions loom over the heads of many African-Americans. What does 2013 hold for them? If today’s hard work barely […]
Category: Financial News

10 Great Personal Finance Apps For The Thrifty Techie

2012 may go down in history as the year of the tablets. Not only has tablet popularity skyrocketed—today more than 30% of internet users in the US occupy one for browsing—but more and more tech companies came out with their own version of tablets this year. Smartphones also saw great success in 2012, and almost […]
Energy Tips for the Boomerang Household
Category: Financial News

Energy Tips for the Boomerang Household

So your kids have come back home to stay? Are they out of a job, or just trying to save up to pay off that student loan, buy their own homes, or prepare for a new career? No worries. You’re in the same boat as 5.1 million other American households. That’s 4.4% of the national […]
Rediscovering the American Family – 10 Keys to Success for Baby Boomers and Boomerang Kids
Category: Financial News

Rediscovering the American Family – 10 Keys to Success for Baby Boomers and Boomerang Kids

More and more young adults are moving back in with their parents, earning the nickname Boomerang Generation in addition to “Generation Y” and “millenials.” The debate on whether this phenomenon is bad for society or a blessing in disguise for the American family is still a hot topic. Many families living in multigenerational households that […]
Category: Financial News

9 DIY Gifts for the Frugal Friend

Are you short on money this year but still looking to get your friends and family great holiday gifts? Do it yourself (DIY) gifts are the best ideas if you’re on a short budget, and Pinterest is the best place to look for fun and creative ideas. I had never been on Pinterest before, but […]
Category: Financial News

Triple Your Money in 30 Days! … and Other Scams You Should Know

What is worse than an economic crunch? People scamming people during the hard times. It’s evil. But it is a scene that keeps repeating itself. Sadly, the victims are often the most financially vulnerable among us: the elderly, pensioners, and employees whose savings and retirement options are their only main assets. We re-visited some of […]
Category: Financial News

Dollar-Saver Thanksgiving Deals You Shouldn’t Miss!

We’re happy to announce that Thanksgiving is pushing through despite the budget deficit deadlock in Congress. But you need not throw away the hard-earned dollars; just enough will do for the family to enjoy a nice get-together feast. We scoured the Internet for some of the best budgeted preparations. So here’s to life, and here […]
Category: Financial News

5 Likely Effects of Obama’s 4 More Years on Your Pocket

Obama’s America is firing salvos to cut debt and your personal finance is right in the firing range As the election fever winds down, Americans buckle up for a mad rush to a finish line that is nowhere in sight to tame the trillion-dollar debt. The debate is reduced to a simple question: who will […]
Avoiding Money Traps in Coupons and Daily Deals
Category: Financial News

Avoiding Money Traps in Coupons and Daily Deals

The daily deals phenomenon has invaded the global economy, undeniably becoming a hit online sensation rivalling the likes of Justin Bieber and even Facebook in popularity. Discounted daily deal offers such as those from Groupon, Living Social and Yipit have mushroomed all over dynamic economies, providing a whole new business platform for enterprising digital businessmen, an alternative to […]
How To Stretch Your $300 Budget To Last 30 Days
Category: Financial News

How To Stretch Your $300 Budget To Last 30 Days

Most of us have experienced hitting rock bottom financially, even rich and successful people have been there at some point in their lives.  The secret to gracefully rebound from zero balance pit is sensible and skilful prioritizing.  The good news is it’s no rocket science – as you will find out.  Discover how you can […]
Category: Financial News

Obama and Romney: Head to Head on Income Tax

The 2012 election on November 6 will be decided on Obama and Romney’s tax policy platform for many reasons. Primary, of course, is the fact that individual income taxes and payroll taxes account for more than 80% of all federal revenues. To the individual consumer, the outcome of this tax battle will determine how much disposable income […]