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Terri M.

Ronkonkoma, NY


Experienced & Trustworthy Math Tutor

Replies in 5 hours
Background check passed as of 4/11/11
4.9 Avg. Rating
167 Ratings
5hrs Response Time
Great tutor!!! Highly recommend
— Kevin, Medford, NY on 2/11/14

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SUNY Oswego
SUNY Stony Brook


SUNY Oswego (Mathmatics)

SUNY Stony Brook (Master's)

About Terri

** Specializing in Algebra and Statistics **

I am a college professor who loves getting others to understand mathematical concepts. My philosophy is TEACH TO UNDERSTAND. It is not a series of formulas to memorize and shouldn't be taught that way. In addition, math should not be explained just to pass a test (including standardized tests).

All students learn differently but ALL reinforce their understanding by doing. I keep students on track and engaged.

MY PROFESSIONAL BACKGROUND: I am currently teaching statistics and algebra at two local colleges. I also teach the math module for a local union apprentice program (mostly applications of geometry and trigonometry). I have passed all exams needed to be a certified NYS math teacher and only need to take education courses to pursue this career. I was a pension actuary for 10 years and passed all exams to become an associate of the Society of Actuaries and an enrolled actuary (ASA and EA designations). I decided to leave the field to pursue a career in teaching. During the 2011-2012 school year, I taught business math at a private all boys high school in Lawrence.

MY PERSONAL BACKGROUND: I was a Cub Scout scout leader for 8 years holding the positions of treasurer, committee chair and Cubmaster. My youngest son moved on to Boy Scouts in 2011 - let's just say I finally have time on my hands to be able to tutor. I am currently the Committee Chair my our local Boy Scout Troop. I have been tutoring friends or their children on an informal basis since I was 15 years old.

I mostly enjoy tutoring one-on-one and teaching at the high school and college level because of the dedication and feedback from the students.

Contact me so I can help you or your child understand math.
** Specializing in Algebra and Statistics **

I am a college professor who loves getting others to understand mathematical concepts. My philosophy is…
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2 hours notice required

I recommend 1 1/2 hour sessions. No Shows with no prior contact will be assessed a fee equal to one-half hour. $90 per hour rate for Actuarial Exam Students.

Travel Radius
Travels within 6 miles of Ronkonkoma, NY 11779
Background Check: Passed

"Great tutor!!! Highly recommend"

- Kevin, Medford, NY on 2/11/14

"What every teacher should be like"

- Xavier, Port Jefferson, NY on 4/11/14

"Great tutor!"

- Linda, Holbrook, NY on 1/16/14


- Wanda, Holbrook, NY on 9/20/13

"Excellent Tutor"

- Ali, Holbrook, NY on 6/14/13

"Improvement seen already"

- Tara, Smithtown, NY on 5/30/13

"Great tutor!"

- Elaine, Smithtown, NY on 1/14/13

"Just the first, but excellent, lesson"

- Jill, Southampton, NY on 11/25/12

"Great tutor!"

- James, Farmingville, NY on 9/17/12

"Superb Tutor"

- Gregory, Stony Brook, NY on 9/4/11

"She's the whole package!"

- Nancy, Holbrook, NY on 6/15/11
ACT Math, Actuarial Science,
Algebra 1,
Algebra 2, Calculus, Geometry, Linear Algebra, Logic,
Precalculus, Probability,
SAT Math,
Microsoft Excel,
Microsoft PowerPoint, Microsoft Word, Web Design
Elementary Education:
Study Skills
Microsoft Excel,
Microsoft PowerPoint, Microsoft Word
Algebra 1,
Algebra 2, Calculus, Geometry, Prealgebra,
Precalculus, SAT Math,
Study Skills
Test Preparation:
ACT Math, GED, Regents, SAT Math
Corporate Training:
Microsoft Excel,
Microsoft Word, Statistics,
Web Design

Approved subjects are in bold.

Approved subjects

In most cases, tutors gain approval in a subject by passing a proficiency exam. For some subject areas, like music and art, tutors submit written requests to demonstrate their proficiency to potential students. If a tutor is interested but not yet approved in a subject, the subject will appear in non-bold font. Tutors need to be approved in a subject prior to beginning lessons.

Actuarial Science

I was in the actuarial field (Pensions) for 10 years and passed 11 exams (early 90's/100 series) within 4 years to become an Associate of the Society of Actuaries. This equates to 5 of the current exams.

With my Masters in Applied Math and TEN's on the first two exams, I can explain all concepts on the current Exam P. I already have experience tutoring for this exam. I can also help students to understand actuarial concepts and financial mathematics for Exam FM. During 2011-12, I taught Business Math in a private high school. We covered Time Value of Money and all its variations. I used Financial Math calculations to determine the value of retiree pensions and medical benefits.

I am not an actuary now because I decided to leave the field to pursue a career in teaching and be the one to take care of my children. However, I still think of myself as an Actuary and love talking about the field.

Algebra 1

When I began teaching Algebra, I realized that all of the math subjects depend upon it. There are 2 basic concepts - multiply by "ONE" and balancing equations. That's it! (OK, maybe some combining like terms and such...) The hardest part in understanding Algebra is seeing these basics and that's what I focus on when I tutor this subject.


As a student at SUNY Oswego, I was a double major in Math & Philosophy. Logic was my favorite subject in Philosophy since it connected so well with math. I used this knowledge in programming pension benefits as an actuary and still use it within Microsoft Excel. While tutoring a student in Geometry recently, I was reintroduced to truth tables and it reminded me how fun they are - inverse, converse, and contrapositive, oh my.

Microsoft Excel

My experience in Excel comes from being a pension actuary about 10 years ago, but don't assume I'm rusty. I manipulated employee and retiree data to forecast future pension benefits. I am extremely familiar with the date and finance functions in Excel and can actually explain what you have to do in a forecast and direct you to what functions you will need in Excel.

Since I left the pension field, I have been using Excel to keep track of members in the Cub Scouts as well as the checkbook balances with my local Soccer league (I'm have been the treasurer for about 6 years). Excel is my program of choice since you can sort and manipulate data very easily.


Also known as "Arithmetic" or "Basic Math", Prealgebra is working with whole numbers, fractions, decimals and signed numbers. First off, put away your calculator - that's why students don't retain what they learned in middle school. Second, you must memorize the multiplication facts. Arithmetic is algebra without the variables - shortcuts work but you need to know why they work (ie, do you know why you line up the decimal point to add or subtract but not when you multiply?)
Order of Operations does NOT equal "PEMDAS". Newer calculators will do order of operations for you - that's why you have to put it away so you UNDERSTAND why Division & Multiplication come before Subtraction & Addition [no, I didn't mess up the order].
If you are a student taking prealgebra, start asking "why does it work like that?"


One of my favorite subjects is probability. I worked with it everyday in the actuarial field and enjoyed the subject as a graduate student.

FYI: The first actuarial exam is about probability distributions, so you must understand them to pass Exam P.

SAT Math

The SAT is a standardized exam that is testing your understanding of math. It is mostly word problems that you need to convert to math problems and solve. Concepts include prealgebra, algebra, and geometry. But you must get past the word problems first.
Having taken 13 actuarial exams in my past(just harder math word problems), I am familiar with the pressure of standardized tests and how to breakdown word problems. 1) Be prepared (understand and practice), 2) stay focused (relax), 3) you will do your best (succeed).


I have been teaching Statistics I at Suffolk County Community College since 2006.

SUNY Oswego
SUNY Stony Brook


SUNY Oswego (Mathmatics)

SUNY Stony Brook (Master's)

Great tutor!!! Highly recommend — She was extremely patient, understanding, and nice. Met up with me for as long as I needed, and broke down problems very thoroughly for me to easily understand. I was taking a higher level stats/probability course at stony brook and she basically taught me the whole course material. She was definitely very knowledgeable in the material. I ended up receiving an A in the class and even a 100 on th ...

— Kevin, Medford, NY on 2/11/14

Hourly fee

Standard Hourly Fee: $70.00

Cancellation: 2 hours notice required

I recommend 1 1/2 hour sessions. No Shows with no prior contact will be assessed a fee equal to one-half hour. $90 per hour rate for Actuarial Exam Students.

Travel policy

Terri will travel within 6 miles of Ronkonkoma, NY 11779.

Background Check Status for Terri M.

Terri M. passed a background check on 4/11/11. The check was ordered by Terri through First Advantage. For more information, please review the background check information page.

After sending a message to Terri, you will be able to order a new background check for $7.99. As part of your tutor selection process, we encourage you to run updated background checks. Please also review the safety tips for hiring tutors.