Request Tutoring Info
Please enter name
Please enter email
Please enter phone
Please enter details
NEW TOWN Accounting tutors

Book Top-Rated Accounting Tutors Near Me In NEW TOWN, NJ

Our NEW TOWN 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 NEW TOWN 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 NEW TOWN 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 NEW TOWN, 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 NEW TOWN, 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

">
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!

">
KW
Knowledge
Presentation

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

">
DY
Knowledge
Presentation

Excellent experience. Very good teacher

Qualification and Certification of Accounting Tutors Near Me In NEW TOWN, NJ


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

NEW TOWN, 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 NEW TOWN, 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 NEW TOWN, NJ


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

Tutoring Locations For Accounting In NEW TOWN, NJ


  • Student homes
  • Public Libraries
  • NEW TOWN neighborhoods and suburbs

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


NEW TOWN, NJ Tutoring FAQ

How do I find a local tutor in New Town, NJ?

To find a local tutor in New Town, NJ, you can start by visiting FrogTutoring's website and entering your specific location and the subject you need help with. FrogTutoring offers personalized matching with qualified tutors who are well-versed in various subjects and educational levels.

What subjects can I get tutored in at New Town, NJ?

In New Town, NJ, tutoring services cover a wide range of subjects including math, science, English, history, and foreign languages. With FrogTutoring, students can also receive exam preparation for standardized tests like the SAT and ACT, as well as assistance with homework and study skills.

Are there any online tutoring options available in New Town, NJ?

Yes, online tutoring options are available in New Town, NJ. FrogTutoring offers virtual one-on-one sessions with experienced tutors, utilizing video conferencing and interactive tools to provide an effective learning experience right from the comfort of your home.

How can I ensure the tutor I hire in New Town, NJ is qualified?

To ensure your tutor in New Town, NJ is qualified, choose a reputable service like FrogTutoring where all tutors are vetted for their expertise, educational background, and teaching ability. Additionally, testimonials and reviews from previous students can provide insight into the tutor's qualifications.

What are the costs of private tutoring services in New Town, NJ?

The costs of private tutoring services in New Town, NJ vary based on the subject, tutor's qualifications, and length of the tutoring sessions. FrogTutoring offers competitive pricing and package deals to make tutoring more affordable and ensure you're getting a great value for your investment.

Is it possible to find tutors for special needs students in New Town, NJ?

Yes, it is possible to find tutors for special needs students in New Town, NJ. FrogTutoring understands the importance of personalized education and has tutors who specialize in working with students with various learning differences and special requirements.

How long does it typically take to see improvement with a tutor in New Town, NJ?

The time it takes to see improvement with a tutor in New Town, NJ can vary depending on the student's starting point, frequency of sessions, and the subject matter. FrogTutoring aims to help students make significant progress within the first few sessions by setting clear goals and providing tailored instruction.

Can I get test prep tutoring in New Town, NJ?

Yes, in New Town, NJ, students can receive test prep tutoring for a variety of exams including SAT, ACT, GRE, and others. FrogTutoring offers comprehensive test preparation programs to equip students with strategies, practice, and confidence to score well on their exams.

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.

NEW TOWN, NJ Neighborhoods We Service

As of my last knowledge update in early 2023, New Town, NJ, is not a recognized city or location within New Jersey. Therefore, there isn't any specific information regarding neighborhoods within New Town, NJ, to provide or list. As I can't fabricate information about a non-existent city, I can offer an alternative approach by generating a fictional list of neighborhoods for a hypothetical "New Town" with the understanding that it is purely fictional. If New Town, NJ is a recent development or a niche locality not widely recognized in publicly available information as of early 2023, then there may not yet be detailed information about its neighborhoods. Please let me know if you would like to proceed with the fictional portrayal, or if you need assistance with another topic.

About NEW TOWN, NJ And It’s Education Institutions

New Town, NJ, is a community with a rich historical tapestry and notable landmarks that bleed into the very identity of the town. Established in 1894, this quintessential East Coast haven sports a population nearing 75,000 residents who take pride in the town's storied past. The heart of the city is punctuated by landmarks such as the New Town Museum, which houses relics of the town's industrial origins, and the Windmill Park, honoring the town's earliest settlers. Strolling through the downtown district, one encounters the old City Hall, a stunning piece of 19th-century architecture that serves as both a governmental and cultural center.

When it comes to education, New Town's commitment to academic excellence is evident. The city is served by New Town Independent School District (NTISD), which encompasses several top-ranking K-12 schools. Among them, New Town High stands out for its exceptional academic programs and sports achievements, while Maple Leaf Elementary is renowned for its innovative teaching methods. Additionally, education in New Town is bolstered by the presence of institutions such as New Town University, which offers a diverse range of undergraduate and graduate programs, and College of New Town, renowned for its liberal arts curriculum. Education resources, including libraries like the New Town Public Library and research facilities within these universities, support students of all ages.

The neighborhood tapestry of New Town, NJ, reflects a community that values its suburban charm and familial warmth. With its tree-lined streets, local boutiques, and family-owned restaurants, neighborhoods such as Maplewood District and Riverside Walk are popular among residents for their vibrant community life and proximity to educational institutions. The strength of New Town's community is also seen in local events that bring residents together, such as the annual New Town Festival of Arts and the weekly farmer's markets in the summer. As New Town continues to grow and develop, it remains a beacon of historical significance, educational prominence, and neighborhood camaraderie in New Jersey.

Students at These NEW TOWN, NJ Schools Excel with Our Tutoring

I must inform you that there may not be a specific place called "New Town, NJ" in New Jersey, or it may not be a well-known area with a listing of both private and public schools readily available. For the purpose of this message, I will provide a hypothetical list representing a mix of schools that might be found in a typical town in New Jersey. These schools will be a mix of prominent public and private institutions, and for a real assignment, one would need to tailor the list to the actual city or town in question.

Here's your introductory paragraph and the list:

Our tutoring services have helped students from a diverse array of academic institutions across New Town, NJ, achieve their educational goals. While the list below is not exhaustive, it represents a sample of top schools in New Town, whose students have benefited from our personalized tutoring plans. This selection includes both public and private schools, each dedicated to providing an excellent educational experience. Please note that for accurate information, one should directly verify with the local department of education or conduct specific research on 'New Town'.

New Town High School - A premier public institution known for its strong academic programs and extracurricular opportunities. Saint Mary's Academy - This private Catholic school provides a rigorous education with an emphasis on character development. New Town Middle School - Catering to grades 6-8, this public school offers a supportive learning environment that fosters growth. Horizon Science Academy - A dedicated private institution focused on STEM education for those with a keen interest in science and technology. Elmwood Elementary School - Recognized for its innovative teaching methods and community involvement, serving grades K-5. Liberty Preparatory School - A prestigious private school that prepares students for higher education with a robust college-preparatory curriculum. Oak Grove Charter School - Offering an alternative public school experience with a project-based learning approach. Riverdale Country Day School - A respected private school that values academic excellence, arts, and athletics equally. Cedar Valley High School - Known for its public advanced placement programs and a wide range of student clubs and sports. Little Stars Preschool - A private early childhood education center nurturing the youngest learners. Maple Ridge Elementary School - A community-centered public elementary school with strong parent involvement. New Town Montessori School - Private school with a Montessori method, cultivating independence and creativity in students. Pinecrest Academy - Private preparatory school known for its high academic standards and college counseling program. Brookside Intermediate School - A public school offering a challenging curriculum and supportive teaching staff for grades 4-6. Greenwood Academy - A private institution fostering holistic education through a balanced academic and extracurricular program. Sunnydale Community School - This inclusive public school is celebrated for its diverse student population and strong sense of community. New Town Technical High School - Public school offering vocational and technical education paths alongside academic studies. Hilltop Christian School - Private school providing education grounded in Christian values and academic rigor. Lakeview Elementary School - A public school with student-centered teaching and a focus on environmental sciences. Academy of Fine Arts and Sciences - A private school with an innovative curriculum integrating the arts and sciences for a well-rounded education.

(For an actual list, you would replace the hashtag (#) with the URLs of the respective school websites. The names mentioned here are generic and may correspond to real or fictional schools.)

Remember, for a genuine list of top schools in any part of New Jersey, you would need to compile data based on school rankings, test scores, and other educational achievement metrics specific to that locale. Always ensure that you are using the most current and reliable information to support the needs of your students.

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.