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Dear students, I trust that you are all safe under this circumstances. Tutorship is an art and a science, especially now. I would add it could be used not only as a study aid but also as an emotional tool for stress reduction. What I talking about is when we have the good match of tutor-student then the student should relax. Usually this happens during the first few sessions. My advantage is that I am both a tutor and an instructor who taught on line and in-person in a traditional classroom setting as well as virtually and hybrid across multi-campus, multi-city classrooms. Since my specialty comprises of quantitative courses coupled with research level papers editing and proofreading, I can comfortably say, that most students hindrances stem from two things: 1. A mismatch between the classroom professor’s style and lack of time to customize her or his style to suit individual students. 2. Stress caused by not explaining how to study or solve problems as... read more

In Accounting there are plenty of formulas, theories, and equations, but by far the most important is the following: Assets = Liabilities + Equity First, I will describe in layman’s terms the three variables within the equation above. An asset is a resource that will be used to operate a business (e.g. inventory, plant, machinery). A liability is a creditors right to the resources within the business (e.g. loan, accounts payable). Equity is the owner’s interest in the business (e.g. stock, retained earnings). Home ownership is an easy way to understand the relationship between the three variables. The house itself is an asset because it can be used to generate revenue from rent or a business can be ran within the home (e.g. daycare, tax preparation). The mortgage on the home is a liability because a mortgage is a loan from a bank. The home is collateral for the loan, so if the owner cannot pay back the loan the bank will be able to take ownership of the... read more

Working out your accounting homework in Excel can be frustrating and tedious, especially for students just starting off their accounting coursework. You might think "hey, I can do this faster on paper with my calculator." But if you plan on getting past Financial Accounting, you're going to need to master this essential program, and homework is the best way to practice. Besides that, your professors will prefer it and in the long run your grade with thank you. Here's why: 1.) End of Term Projects Just about every accounting class I've ever taken has had a hefty term project, usually a set of financial statements, and its always due in Excel/spreadsheet format. While you may be able to get through most of the semester turning in homework problems done in pencil, you don't want to be struggling with both excel and complex calculations when the deadline for your term project is looming and you are crunched for time. Learn it now, and spare yourself the stress... read more

Please review my profile credentials to see if I am a candidate for your tutoring needs. With both a master's degree in special education and several years of hands on experience in a variety of work environments, my education and experience make me a flexible individual who is readily available to discuss your tutoring needs. I enjoy working with individuals of all ages, and have consistently had a tremendous rapport with all age groups. Please advise me if you feel that I am the right person to assist you. Thank you in advance for your consideration. Deb R.

Congratulations to CHRIS, for getting A's in some very challenging business courses. You are taking a heavy load of classes, plus you have other multiple responsibilities. You deserve a lot of credit for your good work in your Information Systems, Financial Accounting II, Management, and other classes. You're headed for success. Keep up the good work!

Are your children struggling in school? Do you wish your child to do better in school? Are there college students who need extra help? There are many reasons why a student is not at grade level or struggling to stay at grade level, and high school students who graduate with limited English, Reading, and Writing abilities. Sometimes a child has a learning disability (ADHD, Autism, Asperger's) or limited English skills. A student's achievements and self-esteem are the most important things students can receive if they are struggling or has limited English skills. So many students fall through the cracks at school, including my own son, because of several special needs. When we let our students fall through the cracks, the student(s) usually finds himself/herself in trouble. With low self-esteem and believing they cannot do something will allow students to hang around with not so great students. As parents and adult students, we need to strive for the best that is within us all. I am... read more

The new school year beckons - be it middle or high school, college or post graduate study. Fall college visits, applications and essays are also just around the corner. Get a jump on what you or your child may need in terms of support for specific academic subjects, computer skills, standardized tests (SSAT, ISEE, PSAT, SAT, ACT, ASVAB, GRE, etc.). I look forward to continuing my track record of success with students to assist them in maximizing their potential and achievements. David

Recently, after I tutored two of my favorite students to prepare them for upcoming tests in Pre-Algebra and Geometry respectively, I received positive reinforcement for the importance and value of customizing the tutoring approach, information, knowledge transfer, and tutoring style. After the first tutoring session, I was approached by three people as I was waiting for my next student: 1. An elementary school teacher – she complemented me on my knowledge and tutoring style, and asked me for my information to refer students to me for tutoring. 2. A parent seeking a tutor for their daughter – he complimented me on my tutoring style, my patience, and my problem solving ability, He said, “I saw how you tutored him and I want you to tutor my daughter the same way” He booked a tutoring session for the next day. 3. An adult student preparing for a standardized test – she worked at the café, came over and said that she saw me tutoring the student and saw how he was excited... read more

Styles and Types of Learning. NOTE: This is written for tutors. Students: DO NOT READ As educators we were all taught that our students learned in three different ways: - Visual - Auditory - Kinesthetic My research has revealed another axis of learning: - Learning by Classroom - Learning by remote/on-line - Learning by individual study Just as each student has her own style of learning perception: visual; auditory; kinesthetic, she has her preferred style of learning “geography”. Some students do much better in a physical classroom, while many flourish in independent study. If we acknowledge that learning “geography” matters then we are not just looking at three ways of tutoring but 3 times 3 or 9 ways of tutoring. Only when we educators realize that just segmenting students by visual; auditory; and kinesthetic is not enough, can we begin to truly teach our students in the manner that they need, and not just what is comfortable for... read more

Each year we turn a calendar over to January 1st and remarkably feel like it is a new beginning. For many it is just one more day in the count down to January final exams. For others it is decision time - do I stay in school another semester and take a break? Education is never a gamble. It will always be a benefit to those who put forth the effort. For those who are struggling in a formal program at a college or university, it is worth while to remember that self-education is also a proven route. There are many very successful people who developed knack for assimilating new information and putting it to work for themselves. If you are thinking about leaving school due to poor grades or perhaps inadequate financial resources, consider whether you have the ability to learn on your own. Make a "post formal education" plan that will keep you learning evening if you are not in the classroom. That might even involve an professional coach who can provide guided study and... read more

My philosophy is to treat each student as an individual, with their own style of learning, level of knowledge and motivation. Associated with that, I focus on creating relevance in subjects to the aspirations of that person. My bottom line objective is to build their self-confidence. Learning is an ongoing process. It provides ways to look at any problem. I have discovered that while earning my MBA from Chicago Booth School of Business (Dean's List) and a BA in Economics and Studio Art from Lafayette College (summa cum laude, Economics and Business Prize). I currently serve as an Alumni Admissions Representative for Lafayette. I have studied education as a graduate student at Pace Graduate School of Education as well in adolescent mathematics. Mathematically Yours, Barry

With my CA state investment license (Series 6/63), I've learned that most families lack one of the four essential "legs" to enjoying a stable financial future: 1. An emergency CASH FUND (3 months income) in case of unforeseen "rainy day" events (so you won't tap your credit or investments) 2. A strategic method to PAY OFF DEBTS much more quickly than you thought possible (without spending a dime more each month) 3. The right amount and type of LIFE INSURANCE to protect your family's income (so their lifestyle could continue indefinitely) 4. A financial coach or advisor to help you INVEST WISELY to build up true wealth and equity (so you won't run out of money in retirement) Contact me if you'd like to receive a complementary Financial Needs Analysis so you'll have a "road map" to help you reach your goals! Dale J.

A local management support organization recently hired me to conduct training in Strategic Marketing to participants in a seminar. I developed the curriculum, prepared the presentation and handouts, and conducted the training in short notice. My marketing experience, knowledge and skills can be tapped as a tutor for your needs, too.

As I have found more and more students interested in CPA preparation, I have also found concurrently that the standardized CPA preparation materials and programs to be lacking and materially deficient in motivating and instructing candidates to successfully navigate and pass the 4 stages of the CPA Exam. I have begun the blog and will maintain posts and responses as subsequent posts are made to assist exclusively in the subject of CPA exam preparation, whether that be in any of the 4 areas of the exam, in the education necessary to become a candidate as well as in test taking habits on a generalized basis. I welcome questions, concerns and stress relief posts and will respond accordingly and timely to those posts. That being said... Let's discuss an important and often overlooked topic, a topic covered and often covered in some detail on the AUD exam. The topic is the subject of REVIEW ENGAGEMENTS. Review engagements are intended to provide limited assurance that the financial... read more

Cash flow is ultimately what drives us in our personal lives or in business. We look at the Cash In's and the Cash Out's. If we have more cash coming in than cash going out, we call that Cash Flow Positive. If cash out is more, we call that Cash Flow Negative. We can be negative from time to time, but not for too long or if we don't balance it out with periods of positive. Over that past 20 years, we, as a society, have spent MORE than what we took in (what we earned). How did we handle it? How did we make it work for so long? Credit cards and home equity loans. When the economy was going well (remember that?), credit card companies and bank mortgage companies 'gave away' credit card and mortgages and home equity loans (HEL). We borrowed the money, and that allowed us to overspend. We were cash flow negative. Well, it catches up to you eventually and the US President and Congress are wrestling with this exact same issue today. Times have changed (for the worse) and we have been... read more

First discern what a financial transaction is and what is not. Often, the text will include an interaction that is not a financial transaction and will not require a journal entry. Perform journal entries. Journal entries will affect two accounts (one debit; one credit) in the same dollar amount. Journal entries serve to make it easier to accurately produce T-Accounts. The basic equation in accounting is: Assets = Liabilities + Stockerholders' Equity. Debits are always on the left, and credits on the right. Assets are debit accounts, meaning whenever an asset (i.e. cash, equipment, receivables, supplies, etc.) is added the number is debited (increased) on the left. Liabilities are credit accounts, meaning whenever a liability (i.e. payable, unearned revenues, etc.) is added the amount is credited (increased) on the right. Stockholders' Equity accounts include common stock (credit), retained earnings (credit), dividends (debit), revenues (credit), and expenses (debit). The trail... read more

In December 2010, New York Attorney General (AG) Andrew Cuomo recently brought civil charges against Lehman Brothers’ external auditors Ernst & Young (E&Y) for complicity in fraudulently misleading investors. The AG alleges that Lehman’s then-auditor E&Y assisted Lehman in perpetrating financial fraud. In particular, Cuomo has charged the accounting giant with three counts of securities fraud under the Martin Act and a charge of persistent fraud and illegality brought under the Executive Law § 63(12) of New York. The AG claims that E&Y by signing off on the controversial Repo 105 transactions worth $US 50 billion on Lehman’s balance sheets just before it went bankrupt, aided the bank to mislead investors. Repo 105 (Repo is short for repurchase agreements) involved what amounted to a short-term loan, exchanging collateral for cash up front, and then unwinding the trade as soon as overnight. It involved selling securities for 105% of their value to counterparties... read more

How do you spend your time? Got a bucket list? Want to learn how to timesurf? It's very much BE, then Do, then Have...The culture has brainwashed everyone into thinking it is HAVE then DO then BE. Buying a tutu is not necessarily going to make you a ballerina or buying an expensive golf club is not automatically going to place you in the top ten finish of a golf tournament or having a laptop computer or website is NOT necessarily going to guarantee that you will have A+s or cash flow everyday. "Time is more important than money!" should be a maxim that you live by everyday wherever you are. I don't think cramming for any exam or test will ever work unless you apply the right attitude and right technique. "The Map Is Not the Territory!" - the 1st Neuro Linguistic Programming presupposition. One may imagine seeing your map and successfully achieving your destination by purely smart and hard work. Does anyone ever use a time... read more

All through my college experience and with all the General Education Requirement classes I took, I NEVER once saw or was told about this Golden Rule in Finance. This is one rule I truly believe we all need to know because it affects our lives tremendously with the decisions that we make. Funny enough, how ironic it is that I was taught how to dissect PIGS and FROGS pursuing an Engineering degree, like it was that IMPORTANT in my life today. But think about it, how many people do you know are in debt? And how many people do you know are being taught the ways to overcome them? Wow! something to think about isn't it? Well this is what the RULE OF 72 Says: It is simply the amount of TIME it takes for a person's MONEY to double! YES that simple. We all know the Simple Interest formula : S.I = Principal X Rate X Time. Well this rule takes it a step further it is the power of Compound Interest. Let me make this very simple for us to understand: Take, for example, I have... read more

For many students, the title of their course alone can strike fear within them. Accounting 101, Finance did I get into this? More importantly, how do I get out? First, realize that the challenge you face in an accounting or finance course is not the end of the world. The fact that you are in college/graduate school speaks volumes about your past accomplishments and what lies ahead. You can survive this course and prosper with it. Second, understand that you are not alone and others have felt what you are going through. Even for many of us who continued on with additional coursework in accounting and finance, those first courses (and maybe even ones later on) brought a certain amount of discomfort and questioning … why does this not make sense instantly, like other material did? Third, please realize this material is like learning a foreign language or learning music. Accounting and finance have their own terminology, ways of doing things, concepts,... read more

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