http://factoidz.com/profile/sarahheller/ Sarah Heller articles on Factoidz en-us http://factoidz.com/how-to-set-up-a-tutoring-business/ http://factoidz.com/how-to-set-up-a-tutoring-business/ Tutoring students can be a great way to earn extra money when you can’t work full-time. Tutoring is great for college students, stay-at-home parents, and aspiring teachers. While tutoring is a much easier business to start than most, you’ll need to think through a few things before yo... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/wp-content/themes/gabtheme/images/starting-a-business-legal-considerations.jpg http://factoidz.com/untitled-article-86/ http://factoidz.com/untitled-article-86/ Everyone knows the standard advice when trying to save money on groceries. With the economy today, many people already clip coupons, look for store brands, and rummage through the scratch and dent bin. While this is all great advice, it has been passed around so much that grocery stores have star... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/wp-content/themes/gabtheme/images/creative-ways-to-save-money-on-groceries-each-month.jpg http://factoidz.com/can-you-make-money-in-a-direct-marketing-business/ http://factoidz.com/can-you-make-money-in-a-direct-marketing-business/ Direct marketing (DM) is a concept pioneered in the 1950s as a way to market products directly to consumers. The original company to use the concept was Tupperware, which used housewives to sell their products to other housewives. Today, direct selling or direct marketing is used to sell kitchenw... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/wp-content/themes/gabtheme/images/women-careers-how-to-set-goals-develop-a-can-do-attitude-and-not-sell-yourself-short.jpg http://factoidz.com/will-travel-insurance-cover-swine-flu/ http://factoidz.com/will-travel-insurance-cover-swine-flu/ The recent spread of the H1N1 virus, better known as “swine flu”, has caused many people who travel often to worry about their health and the effect this virus would have on their travel plans. When news reports of this disease were first reported, it was suggested by many television ... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/wp-content/themes/gabtheme/images/traveling-with-younger-kids-stress-free.jpg http://factoidz.com/ways-to-earn-money-while-in-college/ http://factoidz.com/ways-to-earn-money-while-in-college/ Approximately 17.5 million Americans will be attending college this fall. If you’re one of them, you’re probably thinking about how you will pay for it. Even with grants, scholarships, loans, and savings many students come up short every semester, forcing many to look for an additiona... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/wp-content/themes/gabtheme/images/small-business-purchasing-save-money-by-considering-reconditioned-equipment-and-comparison-shopping.jpg http://factoidz.com/easy-pre-made-lunches-for-college-students-on-the-go/ http://factoidz.com/easy-pre-made-lunches-for-college-students-on-the-go/ When I went to college, I knew that in order to pay for my tuition and living expenses, I would have to work full-time. In order to get my work schedule to fit around my class schedule, I worked out a plan with my boss where I could eat lunch at my desk every day. With limited time in the morning... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/images/post/japanese-bento-box-helps-create-healthy-choices-for-back-to-school-lunch.jpg http://factoidz.com/does-your-pet-need-an-emergency-fund/ http://factoidz.com/does-your-pet-need-an-emergency-fund/ As a financial counselor, I talk to clients all the time about the importance of an emergency fund. Having some money put aside to cover unexpected emergencies gives people some peace of mind and prevents them from putting such expenses on a credit card. In my article, How to Create an Emergency ... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/wp-content/themes/gabtheme/images/foods-which-can-make-your-dog-sick.jpg http://factoidz.com/travel-recommendations-getting-around-in-destin-and-fort-walton-beach/ http://factoidz.com/travel-recommendations-getting-around-in-destin-and-fort-walton-beach/ As a native of Florida for 27 years, and a resident of Fort Walton Beach for five years, I have learned a few things about getting around the Fort Walton Beach and Destin areas. This area of the Florida Panhandle is located between Pensacola and Panama City, and until recently was one of the few ... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/wp-content/themes/gabtheme/images/combining-volunteer-work-with-vacations.jpg http://factoidz.com/how-to-establish-credit-if-you-dont-have-any-credit-cards/ http://factoidz.com/how-to-establish-credit-if-you-dont-have-any-credit-cards/ The standard advice given to young people for many years has been to get a credit card when first starting out on your own. The reasoning is that doing so will establish a credit history, making it easier to get loans for other things later in life. A recent law, however, will make it impossible ... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/wp-content/themes/gabtheme/images/getting-out-of-credit-card-debt.jpg http://factoidz.com/giving-out-alternatives-to-candy-this-halloween/ http://factoidz.com/giving-out-alternatives-to-candy-this-halloween/ Traditionally, people have given out candy and other sweets to young children on Halloween when they are greeted at their door with “Trick or Treat!” In light of today’s focus on preventing childhood obesity, as well as concerns about tooth decay and food allergies and reactions... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/images/p/default-4.jpg http://factoidz.com/travel-tips-family-fun-in-jacksonville-fl/ http://factoidz.com/travel-tips-family-fun-in-jacksonville-fl/ Jacksonville, FL holds the record for being the world’s largest city (land-wise), and yet it can often seem as if there is nothing to do in town. I was born and raised in the city, and I spent a lot of time growing up looking for stuff to do. These are a few of my favorite activities. ... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/images/post/travel-tips-family-fun-in-jacksonville-fl.jpg http://factoidz.com/how-to-minimize-your-student-loan-debt/ http://factoidz.com/how-to-minimize-your-student-loan-debt/ Over half of American college students last year took out some type of student loan in order to pay for their higher education costs. While many financial advisors consider this to be “good” debt, student loans are the only debt, besides certain IRS tax liens, that cannot be discharge... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/wp-content/themes/gabtheme/images/how-to-start-a-budget-to-deal-with-debt.jpg http://factoidz.com/how-to-cook-with-only-a-kitchenette/ http://factoidz.com/how-to-cook-with-only-a-kitchenette/ My first apartment was a 1000 sf space that I shared with seven other women. It had four bedrooms, two bathrooms, a living room, and a “kitchenette”. The apartment was on a college campus, and I was not allowed to look at it before I made my deposit. I was very surprised to learn that... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/images/post/recipes-persian-brunch-for-the-new-year.jpg http://factoidz.com/how-to-choose-the-best-graphing-calculator/ http://factoidz.com/how-to-choose-the-best-graphing-calculator/ A graphing calculator is probably the most expensive “mandatory” school supply that you will ever have to purchase for a high school student. These calculators are typically required for “higher-level” mathematics classes such as Trigonometry, Analytical Geometry, Pre-Calc... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/images/post/how-to-choose-the-best-graphing-calculator.jpg http://factoidz.com/ways-to-make-math-fun-for-homeschoolers/ http://factoidz.com/ways-to-make-math-fun-for-homeschoolers/ Working as a math tutor for the past four years has brought me into contact with a lot of homeschooled kids. In fact, over 30% of my business consists of homeschooled children who need extra help in math. For many of my students, math is their least favorite subject, and the same is true of the p... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/wp-content/themes/gabtheme/images/how-to-encourage-your-children-to-cook.jpg http://factoidz.com/top-myths-of-529-accounts/ http://factoidz.com/top-myths-of-529-accounts/ 529 accounts are swiftly becoming one of the most popular ways for parents to save for their child’s college education. There is a lot of false information about these accounts, and a lot of these myths cause parents to not utilize this valuable tool to invest in their child’s educati... Wed, 31 Dec 1969 18:33:29 CST sarahheller http://factoidz.com/wp-content/themes/gabtheme/images/five-ways-to-cut-back-in-our-household-expenses.jpg