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SALISBURY Accounting tutors

Book Top-Rated Accounting Tutors Near Me In SALISBURY, NC

Our SALISBURY Accounting tutors are top college students and graduates from local area universities. They have an average GPA of 3.5 or higher in their areas of tutoring specialization. At Frog Tutoring, we work with students in all grade levels and our SALISBURY private Accounting tutors provide customized one on one in-home tutoring through our proven three step approach to academic success.

1.Bring student up to speed by reviewing past work to ensure they are not missing any important concepts that might affect their abilities to learn future lessons. 2. Keep student ahead of the class by using the teachers lesson plan, textbook, and online curriculum to cover lessons before it is taught in class. 2. Reinforce key concepts they might have missed. This ensures they will never be behind again. Your tutor will also help with organization, study skills, and note taking strategies.
Your SALISBURY area Accounting tutor will also track student progress through detailed session reports which will be available to you at the end of each tutoring session. If it is okay with you, your tutor will contact your child's teacher, for K-12, to get a more detailed understanding of what they are struggling with and also to make sure that he/she and the teacher are both on the same page in their approach to tackling the problem.

Browse our list of qualified Accounting tutors below. If you are in need of an Accounting tutor in SALISBURY, please call us or simply go to the tab above and Request a Tutor and let us help provide the understanding and assistance needed for success.

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List of High-Achieving Accounting Tutors Near Me In SALISBURY, NC For In-Person & Online Tutoring


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Our Students and Parents Love Us
as Much as We Love Them

RH
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Dana is very knwoedgable, especially with anatomy. I was a earning around an 80-84 percent(C) in my medical program exams. With Dana's assistance and vast knowledge in this subject I have passed a written exam AND a practical with a 92(A)!!! Dana positively encourages/challenges her students...

LC
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Sunita Woodcheke has not only demonstrated an extraordinary commitment to my child's academic progress but has also exhibited remarkable patience, enthusiasm, and expertise in their teaching approach. Through personalized lessons and tailored guidance Sunita has fostered a supportive learning...

SM
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Kevin is knowledgeable about math, and he knows how to teach. I’m very rusty on my skills, but he’s been nothing but patient with me. He absorbs my weaknesses and focuses on what I need help with. I appreciate all he’s done so far.

TG
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McKenna has done a great job of working with my daughter on geometry.

TM
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school rating and grades improved.

NC
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I am so happy with this tutoring, my son is engaged all the time. He loves to work in the computer and the activities that they do during the tutoring. She used many different way and form in order to keep him engaged.

EC
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Annie is great!!!!

EC
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Madi is fantastic!!

NT
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I don't sit next to my 9yo during sessions, and this is the first time I ever used a tutor. I can tell you that using a tutor eliminates all the fighting and whining from my kid about doing homework which makes me very happy. They get a lot done during an hour. The tutor is focused, prepared,...

PM
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Fabulous. Olivia is engaging, knowledgeable, and a delight to work with. Highly recommend. Always punctual. Always reliable. Always helpful. Competent with both homework help and direct instruction.

CH
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Extremely knowledgeable and gave direct examples of certain concepts I had trouble with. He also helped assess some of the specific terminology that I need to look for on the exam.

TG
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Chigbo explains concepts in a way that makes it easy to understand. My daughter's understanding and confidence had a real boost in just two days.

JE
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Matthew was very knowledgable in the CFP topics and is very flexible with his ability to review materials and go through the questioning.

KK
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Ivan is absolutely amazing with his knowledge, He is my tutor for college level pre-calculus and I can confidently say that I would not be able to get through my class without ivans help with the class material. He has great patience and will explain and walk you through each problem until you need...

AC
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Very encouraging and goes at a good pace which has been immensely beneficial. Very punctual, there's never been any issues with scheduling. Overall, I have been enjoying my sessions and I look forward to more as he helps me prepare for my ACT.

CP
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Taitana Has tutored my daughter in math and english, she has my daughter think differently in problem solving and expanded her vocabulary. She never gives you the answer but helps you solve a problem together for my daughter to understand why the problem or word is not correct. Will request her...

NB
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So far so good

ER
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Very encouraging, and I enjoy working with her

CO
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My son has been with Barjeana for a few sessions now and loves her! She is so knowledgeable and patient. Best of all she makes the sessions fun and interactive. He struggles with focus, but she keeps him engaged in the session and on track. He looks forward to his tutoring with Ms. Barjeana. ...

IB
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He was great and very knowledgeable on the subject of chemistry, however there was a language barrier

GG
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Excellent tutor! He is very knowledgeable of the content! Our son has improved his grades since he started with Mr. Lopez!

KW
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Mario takes his time explaining each concept. I am finally understanding the subject and my test grades have approved drastically.

DY
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Excellent experience. Very good teacher

AJ
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I think Lisa Chaney is a great tutorial but I also think Corwon need a little more practice.

JB
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Hi my name is Jarian Brooks and I would recommend Greg to anyone who needs tutoring. I'm very pleased and very happy with the changes in my daughter with Greg.

DH
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McKenna has a good grasp of the AP pre-calc work that my daughter is work that my daughter is doing. She's able to help explain in a way that makes sense and has resulted in a benefit of my daughter turning her grades around significantly. I would gladly recommend McKenna for tutoring AP...

NH
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Carols warmth, experience and ability to truly connect with children is priceless. So happy we chose Frog tutoring!!!

KP
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Jade has a talent for working with school students. She is meticulous in her planning and focuses on helping children improve in specific areas. I highly recommend her teaching methods. Additionally, she is proactive in informing us of any potential issues in advance. We truly appreciate her...

RS
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she is so patient and very interactive, my son needs to be engaged and shes
doing great in that regard.

RS
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wonderful experience, my son likes lisa, shes taught him things he didnt know before and he is more confident.

Ya
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{not commented yet}she is very professional and patience with my son I like the strategy she use working with him. She have great knowledge on tutoring

HC
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Very helpful

HC
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Jade deserves thousands of stars. Best tutor I have ever had. She explains things in a clear concise manner. He knowledge base is amazing. She is amazing and I am so grateful for her help!!!!!!

IR
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Gregory excels as a tutor, demonstrating a genuine passion for teaching and a deep commitment to facilitating student learning. He meticulously delves into the intricacies of concepts, ensuring a thorough understanding by students. Gregory effectively uses examples to actively engage students in...

NM
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Jessie has been awesome with my kids. My daughter struggled with math last year, and Jessie got her completely up to speed in being an A student!

NY
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{not commented yet}
Carol was wonderful. My child has a lot of energy and Carol was able to work with her and engage her in the lesson. Carol has so many ideas and resources at the ready to shift my child's focus back to the lesson. I'm looking forward to continuing with these sessions...

KC
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Very helpful and thorough when working with my son. She was very knowledgeable and could convey my son's learning material in a way that he understood. He went from AB Honoroll to A Honoroll! Thank you, Olivia!

RS
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We had a few sessions with Ms. Barron virtually and it was amazing to see how creative she was explaining the reading concepts to my 5 year old. We initially had some technical difficulties but she did a great job with improvising to ensure my daughter had a productive session. overall, i enjoyed...

RS
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Mr. Forster has been amazing for my 7 year old daughter. I requested tutoring primarily to help her with math. Coming out of first grade, she seemed to be struggling a little so over the holidays, i started her on tutoring to prepare her for 2nd grade. Over the past few months, her knowledge and...

LW
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AJ was very patient and knowledgeable of the content. He provide a very detailed and concise explanation with care which helped to ease my anxiety about math.

AP
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Kevin has been absolutely wonderful and patient while helping me prepare for my upcoming TEAS test exam. He explains things very thoroughly and takes time to make sure that I really understand the material being presented. I am very happy to have him as a tutor and he has helped me with a lot in...

JS
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Izzy was a great tutor. She clearly knew the subject matter.

TR
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Paul was knowledgably and friendly. He was always flexible, and worked around what was convenient for me.

D.
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great on helping me understand key concepts and helped with providing practice which allowed me to excel in my class

D.
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helped with my understanding of code and was able to do a great job on the AP exam

Es
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Very humorous and fun approach to physics. He makes physics interesting to learn.

AM
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I loved working with her. She set up a very comforting environment for me and was extremely understanding of anything I struggled with, not only that but I enjoyed being able to converse with her on how my brain works during tests and she gave me the appropriate amount of advice to overcome my...

KR
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Varre has done a wonderful job of tutoring my high school junior in both AP Physics and accelerated junior year math (Precalculus.). Prior to working with Varre, my son’s grades had been slipping and he was struggling with the concepts in both courses. Varre worked with him for a few weeks and...

SF
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Francisco is a wonderful tutor. My son is in college and we have used Frog Tutors off and on through high school and a couple of times since he's been in college. Francisco is not only very knowledgeable but the way he presents the material and re-teaches concepts is incredible. My son was...

NM
Knowledge
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Alex was my tutor for my Fall 2023 OSM 202: Intro to Business Analytics Course. He was always available, energetic, and open to all situations. We encountered a difficult situation in this course almost on a weekly basis and even when I became very frustrated, Alex knew how to calm me down. I...

Qualification and Certification of Accounting Tutors Near Me In SALISBURY, NC


  • Undergraduate
  • Bachelor degree holders
  • Master degree holders
  • Ph.D. holders
  • Teaching Certification
  • Professional Certificate
  • Background checks
  • Tutoring experience
  • Continuous education
  • FrogTutoring verification certification

SALISBURY, NC Accounting Tutoring Rates


  • Price range from $37/hr - $65/hr
  • Rates vary based on the type of tutoring, methods used, and the number of hours required.
  • Contact our enrollment team to receive your personalized rate.

Tutoring Methods of Our Private Tutors In SALISBURY, NC


  • In-person/in-home tutoring
  • Online tutoring
  • One-on-one tutoring
  • Group lessons tutoring.

Tools We Use For Online Accounting Tutoring


  • Zoom
  • FrogTutoring custom online tutoring platform
  • The Lesson space

Our Accounting Clientele In SALISBURY, NC


  • High school students
  • Middle school students
  • College students
  • Adults
  • Special needs students

Tutoring Locations For Accounting In SALISBURY, NC


  • Student homes
  • Public Libraries
  • SALISBURY neighborhoods and suburbs

Sign up now for our one-on-one private Accounting tutoring in SALISBURY, NC


SALISBURY, NC Tutoring FAQ

What types of tutoring services are available in Salisbury, NC?

In Salisbury, NC, students can find a variety of tutoring services, ranging from math and science to reading and writing assistance. Specialized tutoring for standardized tests like the SAT and ACT is also available. FrogTutoring offers personalized one-on-one tutoring for all subjects and age groups, with tutors who are experienced and screened for both knowledge and their ability to teach effectively.

How do I find a qualified tutor in Salisbury, NC?

To find a qualified tutor in Salisbury, NC, you can search for local tutoring agencies, ask for recommendations from schools or peers, or use online platforms. FrogTutoring provides an easy way to connect with qualified tutors. Their platform allows you to view tutor profiles, educational backgrounds, and student reviews to help you make the best choice for your educational needs.

Can I get tutoring help for a child with learning disabilities in Salisbury, NC?

Yes, tutoring help for children with learning disabilities is available in Salisbury, NC. Many tutors specialize in working with students who have dyslexia, ADHD, and other learning challenges. FrogTutoring offers individualized tutoring plans tailored to each child's unique needs and learning styles, ensuring they receive the support and resources necessary to succeed academically.

What are the rates for tutoring services in Salisbury, NC?

Tutoring rates in Salisbury, NC, can vary based on the subject, tutor's qualifications, and the length and frequency of sessions. Hourly rates typically range between $15 and $60. FrogTutoring offers competitive pricing and flexible packages, with clear pricing structures to ensure that students and parents can plan their budgets effectively.

Is online tutoring available for students in Salisbury, NC?

Online tutoring is certainly available for students in Salisbury, NC. This convenient option allows students to receive help from the comfort of their home and offers access to a broader range of tutors. FrogTutoring provides online sessions that utilize interactive tools and resources to create an engaging and effective virtual learning environment.

Accounting FAQ

What is accounting tutoring?

Accounting tutoring is a form of personalized instruction focused on the subject of accounting, which includes understanding financial statements, bookkeeping, tax principles, auditing, and various accounting practices and standards. It is designed to help students and individuals gain a deeper comprehension of accounting concepts, improve their grades, prepare for exams, or enhance professional accounting skills.

How can accounting tutoring help improve my accounting skills?

Accounting tutoring can help improve your skills by providing one-on-one support tailored to your learning pace and style. A tutor can offer in-depth explanations of complex concepts, practice problems for mastery, real-world examples, and study strategies. This personalized attention can enhance your understanding, increase confidence, and improve academic or professional performance in accounting.

What topics are commonly covered in accounting tutoring sessions?

Accounting tutoring sessions commonly cover a range of topics including basic accounting principles, financial and managerial accounting, cost accounting, tax accounting, auditing, accounting software, financial analysis, and preparation for CPA exams. Sessions can be customized to focus on specific areas where a student may need additional help or practice.

How do I find a qualified accounting tutor?

To find a qualified accounting tutor, you can search for tutoring services online, ask for recommendations from peers, consult academic advising centers at educational institutions, or use platforms that connect students with professional tutors. Look for tutors with relevant degrees, professional certifications such as CPA designation, and positive reviews or testimonials from former students.

What qualifications should an accounting tutor have?

An accounting tutor should have a strong background in accounting, which typically includes a degree in accounting or a related field, practical accounting experience, and any relevant certifications, like the CPA (Certified Public Accountant). They should also possess good teaching skills and the ability to explain complex topics clearly and effectively.

Can accounting tutoring help me prepare for the CPA exam?

Yes, accounting tutoring can be extremely beneficial in preparing for the CPA exam. A tutor who is familiar with the CPA exam format and content can provide targeted guidance, test-taking strategies, and practice questions to enhance your understanding of the material and increase your chances of passing the exam successfully.

Common Questions on Accounting Tutors

How can an accounting tutor help me improve my grades?

An accounting tutor can provide personalized, one-on-one assistance to help you better understand accounting principles, improve your study habits, and grasp complex topics such as financial statements and tax laws. A tutor can also help prepare you for exams by offering practice problems and clarifying any points of confusion. If you're seeking to bolster your accounting knowledge and raise your grades, a specialized tutor can offer the targeted support you need. For personalized assistance, click on the link to request a tutor or learn more about our services. Request a tutor.

What qualifications should I look for in an accounting tutor?

When searching for an accounting tutor, you should look for someone with a strong educational background in accounting or a related field, professional experience in accounting, and the ability to teach complex concepts in a way that is clear and easy to understand. Additionally, a good tutor should be patient, communicative, and willing to tailor their teaching methods to suit your individual learning style. For access to qualified accounting tutors, click on the link to request a tutor or to learn more about our services. Find a qualified tutor.

How often should I meet with my accounting tutor for the best results?

The frequency of meetings with an accounting tutor will depend on your individual needs and goals. Some students may benefit from weekly sessions, while others might need more or less frequent help. Assess your coursework requirements, exam schedules, and personal learning pace to determine the most effective tutoring schedule for you. A tutor can also help you create a custom study plan. Ready to create a study plan that works for you? Click on the link to request a tutor or to find out more about our services. Schedule your tutoring sessions.

Can an accounting tutor help me with specific accounting software?

Yes, many accounting tutors have expertise in a variety of accounting software such as QuickBooks, Sage, or Microsoft Excel. They can provide hands-on guidance and instruction on how to effectively use these tools for accounting tasks, bookkeeping, and financial analysis. If you need help mastering accounting software, we have tutors ready to assist you. Click here to request a tutor or to get more information on our services. Learn accounting software.

Is online accounting tutoring as effective as in-person tutoring?

Online accounting tutoring can be just as effective as in-person tutoring, offering convenience, flexibility, and access to a wider range of tutors. With interactive tools such as video calling, screen sharing, and digital whiteboards, online tutoring provides an immersive learning experience. Whether you're looking for in-person or online support, the right tutor can make all the difference. Discover the benefits of online accounting tutoring today. Click the link to request a tutor or explore our tutoring options. Experience online tutoring.

SALISBURY, NC Neighborhoods We Service

Salisbury, North Carolina, the county seat of Rowan County, is a city steeped in history with a lively community spirit and a tapestry of neighborhoods each with its own unique charm. Whether you are a current resident, prospective student, or planning to move to this area, exploring the various neighborhoods is a journey through the community’s vibrant heart and soul.

Starting with the historic Downtown Salisbury, the nerve center of the city is known for its well-preserved architecture, brick-lined streets, and a welcoming atmosphere. This neighborhood is not just a hub for business and government offices but also a cultural hotspot with galleries, theaters, and museums. The downtown area seamlessly blends old-world charm with modern amenities, making it a desirable place for both living and leisure.

Just on the outskirts of downtown lies the Fulton Heights district. Established in the early 20th century, this area is known for its wide streets lined with a stunning mix of Craftsman, Colonial, and Queen Anne-style homes. The picturesque Centennial Park serves as the community's focal point where neighbors gather for recreation and events.

East of downtown, the communities of Milford Hills and Milford Knoll provide a more suburban feel with quiet streets, larger lots, and a range of housing options. These areas are favored by families and professionals alike due to their proximity to the city center while still offering a sense of seclusion within a relaxed neighborhood setting.

In contrast, the neighborhood of West Square Historic District transports visitors back in time with its stately homes and grand porches. This neighborhood is a testament to Salisbury’s historical roots with a collection of beautifully preserved late 19th and early 20th-century homes. Strolling through West Square is like walking through a living history book of architectural splendor.

Heading towards the edges of the city, we find the Summit neighborhood which offers scenic views, spacious properties, and easy access to the Salisbury Community Park, providing numerous outdoor activities for its residents. The Summit encompasses a family-oriented environment that's popular among individuals who appreciate a close-knit community amidst natural settings.

On the northern side of Salisbury, the Meadowbrook neighborhood is a peaceful enclave known for its tidy, tree-lined streets and casual yet vibrant living atmosphere. It's an excellent place for those looking to enjoy suburban life with convenient access to the city's many amenities.

Another notable residential area in Salisbury is the Country Club Hills neighborhood, set against the lush backdrop of the Salisbury Country Club. This prestigious area is well-loved for its larger homes, manicured landscapes, and the nearby golfing and social activities available to the community's residents.

With an array of neighborhoods that reflect a blend of historical significance, community pride, and diversity, Salisbury, NC, offers a living experience tailored to a variety of lifestyles and preferences. Each of Salisbury's neighborhoods contributes to the city’s overall personality, making it not just a place to live, but a place to thrive. Whether you are drawn to the character of historic homes or the tranquility of leafy suburbs, Salisbury welcomes you to find your perfect spot within its community mosaic.

About SALISBURY, NC And It’s Education Institutions

Salisbury, North Carolina, is a historic city filled with landmarks that offer a glimpse into its rich past. Founded in 1753 and currently with a population of approximately 34,000 residents, Salisbury is known for its well-preserved downtown area, which is home to the iconic Rowan County Courthouse. Additionally, the Salisbury National Cemetery, established in 1865 to inter Civil War dead, is a poignant reminder of the nation's history and a place of reverence. The city's commitment to preserving its past is also evident in the historically significant district with the Dr. Josephus Hall House, originally constructed in 1820 as classrooms for the Salisbury Female Academy, now operating as a museum showcasing antebellum life. The city's cultural lineage is also on display at the Rowan Museum, housed in the 1854 courthouse, and the Salisbury Confederate Prison site, which stands as a memorial to the prisoners and guards who lived and died there.

In the realm of education, Salisbury is home to exceptional institutions serving K-12 students, including Salisbury High School, which is well-regarded within the community. The city falls under the auspices of the Rowan-Salisbury School System (RSSS), which provides educational resources and support for students, including specialized programs and early college opportunities that foster a strong academic community. Options for higher education abound within Salisbury, the most notable being Catawba College, a private, coeducational institution offering undergraduate degrees in a variety of disciplines, and Livingstone College, a private historically Black Christian college, both fostering educational excellence and community involvement.

The neighborhoods in Salisbury boast a vibrant and family-friendly atmosphere, with areas like Fulton Heights and Milford Hills offering a mix of historic homes and modern conveniences. Residents of Salisbury benefit from a small-town feel while enjoying amenities usually found in larger cities. The city's emphasis on education extends to various educational events and initiatives held at the Rowan Public Library and the Horizons Unlimited educational facility, which offers learning experiences in science, technology, and the arts. Overall, Salisbury's blend of historic charm, educational assets, and welcoming neighborhoods makes it an attractive destination to live, learn, and grow.

Students at These SALISBURY, NC Schools Excel with Our Tutoring

Below is a sample listing of schools in Salisbury, North Carolina, encompassing a mix of both private and public institutions. This selection represents only a sample from a larger pool of educational establishments whose students have notably advanced with the aid of our tutoring services. We take pride in the fact that students from these schools have reaped the benefits of our tailored tutoring programs, which have been designed to meet diverse educational needs. Please note that this list is not exhaustive and there are many more schools in Salisbury that have also partnered with us to foster student success.

Public Schools:

  1. Salisbury High School Salisbury High School is dedicated to preparing students for higher education and career readiness with a robust curriculum and a variety of extracurricular activities.

  2. Knox Middle School At Knox Middle School, the focus is on developing young minds through integrative teaching methods and a strong community engagement.

  3. Overton Elementary School Overton Elementary provides a nurturing educational environment for young learners, with a strong emphasis on both academic and personal growth.

  4. Henderson Independent High School Henderson Independent High School offers an alternative education pathway catering to diverse student needs, with a focus on individual achievement.

  5. Isenberg Elementary School Isenberg Elementary fosters a learning community where students are encouraged to achieve their personal best in a supportive setting.

Private Schools:

  1. Salisbury Academy Salisbury Academy is a private, independent school that promotes a balanced approach to education, nurturing both the academic and social development of its students.

  2. North Hills Christian School As a ministry of North Hills Church, North Hills Christian School offers a Christ-centered curriculum and a commitment to academic excellence.

  3. Sacred Heart Catholic School Sacred Heart Catholic School strives to instill strong spiritual and moral values alongside a rigorous academic program in a faith-based community.

  4. Rockwell Christian School Rockwell Christian School blends a biblical worldview with comprehensive academic instruction, serving the broader Salisbury community.

  5. St. John's Kindergarten Part of the St. John's Lutheran Church, St. John's Kindergarten offers a rich early-childhood education program focused on the individual growth of each child.

Please continue to explore and support the educational landscape in Salisbury by considering the outstanding offerings of these and other local schools.

About Accounting & Accounting Tutoring

Accounting is a systematic and comprehensive recording of financial transactions pertaining to a business. It involves the process of summarizing, analyzing, and reporting these transactions to oversight agencies, regulators, and tax collection entities. The financial statements that summarize a company's operations, financial position, and cash flows over a particular period are a precise representation of the accounting process.

There are several types of accounting, each serving a different purpose and catering to different stakeholders:

  • Financial Accounting: This type records and summarizes financial data presented in financial statements – like income statements, balance sheets, and cash flow statements – that reflect the company's performance to external stakeholders.

  • Management Accounting: This type focuses on measuring, analyzing, and reporting financial and non-financial information that helps managers make decisions to fulfill organizational goals.

  • Governmental Accounting: This type ensures that revenues and expenditures are made according to the law and regulations, providing transparency and accountability in governmental entities.

  • Tax Accounting: This specialization is dictated by the Internal Revenue Code, which governs the specific rules that companies and individuals must follow when preparing their tax returns.

  • Forensic Accounting: This field involves examining financial records in order to uncover potential fraud, embezzlement, or financial misconduct.

Related entities in accounting include regulatory bodies such as the Financial Accounting Standards Board (FASB), which establishes accounting standards in the United States. There are also international bodies like the International Accounting Standards Board (IASB), responsible for the International Financial Reporting Standards (IFRS). Additionally, the Internal Revenue Service (IRS) is a critical agency in tax accounting.

When tutoring someone who struggles with accounting, the best strategy is to connect concepts with real-world scenarios to make the material more relevant and easier to understand. Starting with the foundational elements such as the accounting equation (Assets = Liabilities + Equity) can set the stage for understanding how other concepts interrelate. Encouraging active practice through problem-solving and the usage of accounting software can also reinforce learning. It's crucial to be patient and to break down complex concepts into smaller, more manageable parts.

The most common concepts in accounting include:

  • Debits and Credits: The dual entry system that ensures the accounting equation stays balanced.
  • The Accounting Cycle: The full process of recording and processing all financial transactions of a company, from when the transaction occurs, to its representation on the financial statements.
  • Journal Entries: The first step in the accounting cycle, this is where transactions are initially recorded.

Among the most difficult concepts are:

  • Understanding and applying the principles of accrual accounting, which recognizes economic events regardless of when cash transactions occur.
  • The process of adjusting entries to account for income and expenses that have accrued but are not accurately represented in real-time financial statements.
  • Comprehending complex financial instruments and how to report them, as in hedge accounting or derivatives.

Overall, mastery of accounting requires attention to detail, a clear understanding of key principles and concepts, and the ability to see the broader financial picture that those details create.

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