Request Tutoring Info
Please enter name
Please enter email
Please enter phone
Please enter details
Edgewater Accounting tutors

Book Top-Rated Accounting Tutors Near Me In Edgewater, NJ

Our Edgewater 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 Edgewater 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 Edgewater 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 Edgewater, 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.

Read more... Read less
cnn cbs boston miami fox news

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


How it works

tutors, tutoring, tutoring service, tutoring services, homework help, private tutors, home tutors

Request any tutor by submitting a form

tutors, tutoring, tutoring service, tutoring services, homework help, private tutors, home tutors

Speak with our enrollment advisor to get your questions answered

tutors, tutoring, tutoring service, tutoring services, homework help, private tutors, home tutors

Get connected with your private in-person or online tutor

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

">
JY
Knowledge
Presentation

Rosemary was super helpful going over some of the concepts that were tricky, and helped explain the content well.

">
HM
Knowledge
Presentation

Super helpful and willing to adjust to my learning habits. I really enjoy our time working together as the preparation from her end is very noticeable and appreciated.

">
LC
Knowledge
Presentation

Great tutoring session!

">
JC
Knowledge
Presentation

Sarah is our 5th tutor we have used on Frog tutoring. In just one short month of tutoring my child with ADHD, she has improved his math grade from a C to an A-!! We are so happy for the progress our child has made with Sarah’s help, and we will definitely continue to use her as our child’s...

">
JL
Knowledge
Presentation

{not commented yet}The sessions are going well and I am understanding the material . The information is clear , which I love.

">
RG
Knowledge
Presentation

Overall, AJ was absolutely amazing. I didn’t understand almost anything in physics and he made it seem like elementary grade stuff, overall was amazing and I will miss him

">
KB
Knowledge
Presentation

Ali is an amazing tutor always willing to help me on my school assignments and is a very down-to-earth person.

">
JD
Knowledge
Presentation

good tutor

">
KB
Knowledge
Presentation

Looking forward to meeting you.

">
AN
Knowledge
Presentation

Joyce has been great in helping me review topics for the NCLEX

">
SM
Knowledge
Presentation

Ryan in very knowledgeable on the topics I was needing help with. He is professional and works around your schedule. The best tutor I have had on frog tutoring.

">
RW
Knowledge
Presentation

Good tutor

">
RW
Knowledge
Presentation

Never partnered so unable to rate accurately but frog tutors are great so why not give a 5

">
OS
Knowledge
Presentation

patient and knowledgeable

">
Dm
Knowledge
Presentation

{not commented yet}Hayeon Lee is fantastic !
Very knowledgeable and wonderful to work with.
She is kind and is very easy to learn from.
Thank you for finding her.
We have another session Tuesday but I have to reschedule
Perhaps Wednesday?

">
DY
Knowledge
Presentation

Very encouraging and funny. He makes learning fun and teaches in a very simple, easy way to understand.

">
MP
Knowledge
Presentation

Pamela is wonderful! She's the perfect fit for my son! She's very engaging and makes tutoring fun for him

">
HB
Knowledge
Presentation

{not commented yet}
Vince is very happy with this tutor.

">
RF
Knowledge
Presentation

{not commented yet}Jaelynn Cafourek's accomplished computer skills and college training make her a very valuable asset to those who need a professional with their studies.I highly recommend her and her excellent attitude, and clear ability to connect with others and their specific learning...

">
JS
Knowledge
Presentation

Carolle is an excellent tutor. She explains things well, sends me frequent reminders of what I learned during the week, and is altogether a pleasure

">
DR
Knowledge
Presentation

Jeff was extremely knowledgeable and helpful. Deep industry knowledge in running in investment firm and very solid resource. Thank you!

">
MV
Knowledge
Presentation

{not commented yet}
Joyce is very knowledgeable and helpful.

">
TS
Knowledge
Presentation

A very smart individual, has great knowledge to cover the stuff needed based off your preference.

">
RF
Knowledge
Presentation

{not commented yet}Craig has been a big help with helping me learn how to use the internet, navigate a job search and I have learned quite a bit in a shot time.

">
DY
Knowledge
Presentation

Makes learing fun!

">
OT
Knowledge
Presentation

Matthew and I concentrated on financial statements in my CFA Level 1 curriculum. He was extremely knowledgeable and, with his own industry experience, he was very effective at providing real-life examples that made it easier to understand the concepts.

">
Ma
Knowledge
Presentation

He is a great tutor. He knows the topics very well and explains them easily. My only complaint is that his handwriting is somewhat messy. All in all, he is a great SAT tutor for English and math.

">
MB
Knowledge
Presentation

Awesome! he and my son work great together! My Son won't work with anyone else.

">
IB
Knowledge
Presentation

Gurleen is AMAZING!!!!!! She is the best tutor you will find on here. She is very knowledgeable on chemistry and will help you work through so many problems despite them being very challenging. Gurleen helps with retaining the knowledge and provides notes and practice problems as well. if you need...

">
RH
Knowledge
Presentation

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
Knowledge
Presentation

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
Knowledge
Presentation

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
Knowledge
Presentation

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

">
TM
Knowledge
Presentation

school rating and grades improved.

">
NC
Knowledge
Presentation

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
Knowledge
Presentation

Annie is great!!!!

">
EC
Knowledge
Presentation

Madi is fantastic!!

">
NT
Knowledge
Presentation

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
Knowledge
Presentation

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
Knowledge
Presentation

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
Knowledge
Presentation

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
Knowledge
Presentation

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

">
KK
Knowledge
Presentation

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
Knowledge
Presentation

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
Knowledge
Presentation

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
Knowledge
Presentation

So far so good

">
ER
Knowledge
Presentation

Very encouraging, and I enjoy working with her

">
CO
Knowledge
Presentation

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
Knowledge
Presentation

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

">
GG
Knowledge
Presentation

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

Qualification and Certification of Accounting Tutors Near Me In Edgewater, NJ


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

Edgewater, NJ 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 Edgewater, NJ


  • 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 Edgewater, NJ


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

Tutoring Locations For Accounting In Edgewater, NJ


  • Student homes
  • Public Libraries
  • Edgewater neighborhoods and suburbs

Sign up now for our one-on-one private Accounting tutoring in Edgewater, NJ


Edgewater, NJ Tutoring FAQ

How do I find a reputable tutor in Edgewater, NJ?

To find a reputable tutor in Edgewater, NJ, you can consider using FrogTutoring, an established tutoring service with a selection of qualified and background-checked tutors. By visiting their website, you can browse through a variety of subjects and educational levels to match with a tutor that suits your specific needs.

What subjects are available for tutoring in Edgewater, NJ?

Students in Edgewater, NJ, can find tutors for a wide range of subjects through FrogTutoring, including mathematics, science, language arts, foreign languages, SAT/ACT prep, and more. Their platform allows you to select tutors who specialize in the specific subject area you are seeking help with.

Are there any online tutoring options available in Edgewater, NJ?

Yes, online tutoring is available in Edgewater, NJ with FrogTutoring. They offer virtual tutoring sessions with flexible scheduling that can be attended from the comfort of your home, making it a convenient option for students and families with busy schedules.

Can I get homework help or test preparation services in Edgewater, NJ?

FrogTutoring provides both homework help and test preparation services in Edgewater, NJ. Their tutors can assist with day-to-day assignments and offer strategic study plans for exams such as the SAT, ACT, GRE, and others, ensuring students gain a comprehensive understanding of their material.

How do I choose the right tutor for my child's learning style in Edgewater, NJ?

Choosing the right tutor for your child involves considering their learning style and academic needs. With FrogTutoring, you can view tutor profiles, including their teaching methods, experience, and student feedback. It is also beneficial to schedule an initial session to ensure the tutor is a good fit for your child's unique learning style.

What are the qualifications of tutors in Edgewater, NJ through FrogTutoring?

Tutors in Edgewater, NJ through FrogTutoring are highly qualified, with many holding advanced degrees and possessing extensive teaching experience. They undergo a thorough selection process that includes background checks, ensuring they are well-equipped to provide top-notch educational support.

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.

Edgewater, NJ Neighborhoods We Service

Nestled along the banks of the Hudson River, just a stone's throw from the vibrant heart of New York City, lies the charming city of Edgewater, New Jersey. This enticing locale is more than just a collection of buildings and byways; it's a tapestry of neighborhoods, each with its own unique character and charm, coming together to create a community that's as diverse as it is dynamic. In Edgewater, residents and visitors alike can enjoy picturesque waterfront views, a variety of dining and shopping options, and a peaceful suburban ambiance juxtaposed with urban convenience.

Now, let's embark on a journey through the various neighborhoods that make up the vibrant city of Edgewater, each with its enduring appeal and distinct personality.

1. City Place at The Promenade: Often referred to simply as City Place, this modern mixed-use development combines upscale living with luxury retail. The neighborhood brims with activity, offering swanky boutiques and eateries, not to mention breathtaking views of the Manhattan skyline. It's a favorite for young professionals and those seeking an urban lifestyle with the added benefit of a riverfront backdrop.

2. The Colony: Steeped in history, The Colony is one of the city's most established and exclusive neighborhoods. Here, plush high-rise residences afford occupants the luxury of sweeping vistas of the Hudson and beyond. The Colony also offers a quieter, more residential experience compared to the hustle and bustle of some of its counterparts.

3. Shadyside: Tucked away in the northern part of the city, Shadyside offers a slice of serenity with its residential streets and family-friendly atmosphere. This hidden gem is mostly residential and is ideal for those looking for a reprieve from the intensity of city life without sacrificing accessibility to Edgewater's amenities.

4. Undercliff: Contrary to what its name might suggest, Undercliff is not perched on a cliff but rather sits along River Road. This neighborhood is a blend of older single-family homes and newer townhouses, reflecting the city's evolution over time. Undercliff's location makes it a prime spot for those desiring quick access to the waterfront and nearby Veterans Field.

5. Edgewater Hillside: This is a neighborhood that truly captures the essence of suburban living within city limits. Edgewater Hillside, with its rolling hills and diverse architectural styles, offers a sense of community and privacy. From cozy cape cods to sizeable new constructions, this area appeals to a broad range of tastes and lifestyles.

6. Independence Harbor: Named after the luxury condominium complex that defines it, Independence Harbor adds a touch of sophistication to Edgewater's array of neighborhoods. Residents enjoy top-tier amenities and the convenience of being adjacent to the promenade, perfect for evening strolls or morning jogs with unrivaled skyline views.

Edgewater's neighborhoods offer a multitude of environments, whether you're seeking the energetic pulse of city life or coveting a quieter corner to call home. Each enclave within Edgewater provides its own unique qualities, contributing to the rich mosaic that defines the city. From the contemporary allure of City Place to the historic charm of The Colony, Edgewater's neighborhoods are as diverse as they are delightful, providing something for everyone in this Hudson River idyll.

About Edgewater, NJ And It’s Education Institutions

Edgewater, New Jersey, nestled along the Hudson River, offers a picturesque urban experience combined with historical subtleties that charm both residents and visitors alike. Landmarks such as the century-old Binghamton Ferry, which is the last surviving steam ferryboat, give a peek into the town’s rich nautical history. Venturing through the borough, history enthusiasts frequently admire the old homes and remnants of the once-booming shad fishing industry, which showcase Edgewater's origins as a fishing town. With significant redevelopment along the waterfront area, the borough has also transformed into a modern residential and shopping destination, highlighted by the popular City Place and Edgewater Multiplex Cinemas, which serve as contemporary landmarks amidst historical narratives.

Education in Edgewater reflects a community commitment to quality and accessibility. The borough is served by the Edgewater School District, which provides education for students in pre-kindergarten through sixth grade at two schools: the George Washington School and the Eleanor Van Gelder School. For secondary education, students typically attend Leonia Middle School and Leonia High School through a sending/receiving relationship with Leonia Public Schools. Within the region, top-ranked private K-12 schools like the Dwight-Englewood School and prestigious public schools such as Bergen County Academies offer competitive educational options. The city ensures that educational resources are abundant with public libraries that have extensive programs and additional learning facilities that engage students outside traditional classroom settings.

Founded in the late 19th century, Edgewater boasts a current population of over 12,000 residents, who enjoy the blend of urban and suburban living. Although there are no universities directly within Edgewater's borough limits, its proximity to New York City and other surrounding areas means higher education institutions like Columbia University and New York University are just a short commute away, providing residents with access to top-tier college education and resources. The cultural diversity and historic charm of Edgewater, along with its educational assets, contribute to the borough's unique appeal as a place of learning, living, and rich heritage along the banks of the Hudson.

Students at These Edgewater, NJ Schools Excel with Our Tutoring

Here is a sample list of schools in Edgewater, NJ, both private and public. Students from these well-regarded institutions have significantly benefited from our tutoring services. It's important to note that while this list highlights some key schools in the area, it is not exhaustive and includes only a selection of the schools whose students we have had the pleasure of supporting academically.

Public Schools:

George Washington School Eleanor Van Gelder School

There are limited public schools directly within Edgewater, NJ, and some students may attend schools in adjacent districts or opt for private and charter schools to fulfill their educational needs.

Private and Charter Schools:

Apple Montessori Schools The Hudson School The French American Academy Hudson Montessori School M.E.T.S. Charter School Stevens Cooperative School Beacon Christian Academy Prime Time Early Learning Center

Nearby Boarding Schools:

The Lawrenceville School The Peddie School Blair Academy

It's important to consider the specific educational needs and interests of the student when choosing a school, as each institution mentioned here offers unique programs and opportunities.

Please note that the above links lead to the respective school's official websites, where you can find more information about their academics, admissions, and campus life.

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.