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Sewell Accounting tutors

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

Our Sewell 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 Sewell 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 Sewell 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 Sewell, 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 Sewell, NJ For In-Person & Online Tutoring


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

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MB
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My daughter and I love Savannah! She is so knowledgeable and sweet, and comes up with amazing lessons on a whim. She is so creative in thinking outside the box.

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SD
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Alexander is an excellent tutor for my grandchildren. He is patient and kind and makes learning fun and exciting. They look forward to seeing him each week.

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DM
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Mercedes is an excellent fit for my granddaughter. She has the knowledge and patience that is required to help a child learn. thank you

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PH
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An excellent tutor and a kind individual who is dedicated to helping you understand any challenging material!

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AP
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Dr. Jide is incredible! He has worked with my daughter for several weeks helping her prepare for the ACT. He is very knowledgeable and explains the math concepts very well. My daughter's confidence has definitely increased. We are appreciative of his kindness and support.

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KM
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Would recommend to anyone. Not only has she helped out with my classes but is also very knowledgeable about the ARRT. Flexible and helpful in many ways. Great tutor/instructor/person. I feel extremely confident on passing the ARRT with her as a tutor.

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DM
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{not commented yet}she was very knowledgeable and patient with my daughter

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JN
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Robert has been excellent and extremely helpful to my son. He is also flexible and has been willing to meet with my son prior to his exams for tutoring. MY son started the semester with a D and has increased his to a B. Thank you Robert!

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TA
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Alex has thoroughly enjoyed the sessions and found them to be very helpful. I am really happy with the feedback and the communication. Wouldn't hesitate to recommend.

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

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HM
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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.

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LC
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Great tutoring session!

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JC
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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...

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

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RG
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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

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

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JD
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good tutor

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KB
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Looking forward to meeting you.

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

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SM
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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.

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RW
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Good tutor

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

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patient and knowledgeable

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Dm
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{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?

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

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

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

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RF
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{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...

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JS
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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

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

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

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

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RF
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{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.

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DY
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Makes learing fun!

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OT
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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.

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Ma
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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.

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

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IB
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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...

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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...

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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...

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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.

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

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TM
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school rating and grades improved.

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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.

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Annie is great!!!!

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Madi is fantastic!!

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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,...

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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.

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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.

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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.

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


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

Sewell, 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 Sewell, 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 Sewell, NJ


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

Tutoring Locations For Accounting In Sewell, NJ


  • Student homes
  • Public Libraries
  • Sewell neighborhoods and suburbs

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


Sewell, NJ Tutoring FAQ

How do I find a qualified tutor in Sewell, NJ?

To find a qualified tutor in Sewell, NJ, consider visiting FrogTutoring's website. They provide access to a selection of vetted tutors specializing in various subjects. You can look for tutors based on subject, grade level, and your specific educational needs. FrogTutoring also allows you to view tutor profiles, including their qualifications and reviews from other students.

What subjects can I get tutoring for in Sewell, NJ?

In Sewell, NJ, you can get tutoring in a wide range of subjects through FrogTutoring. They offer tutoring services for all grade levels, from elementary school to college, in subjects like math, science, English, and foreign languages, as well as test preparation for SAT, ACT, and other exams.

Are there any in-person tutoring options in Sewell, NJ?

Yes, there are in-person tutoring options available in Sewell, NJ. FrogTutoring provides local tutors who can meet with students at a convenient location, such as a library, a coffee shop, or even the student's home, ensuring a comfortable and effective learning environment.

How much does tutoring cost in Sewell, NJ?

The cost of tutoring in Sewell, NJ, varies based on the subject, the tutor's experience, and the frequency and duration of sessions. FrogTutoring offers competitive pricing and package deals to accommodate different budgets. To get precise information, it's recommended to inquire directly on the FrogTutoring site for personalized pricing.

What is the best way to choose a tutor for my child in Sewell, NJ?

When choosing a tutor for your child in Sewell, NJ, consider using a trusted service like FrogTutoring. Look for a tutor who specializes in the subject your child needs help with, has relevant teaching experience, and possesses the right credentials. Also, take advantage of FrogTutoring's feature that lets you read reviews and testimonials. Contact the tutor to discuss your child's specific needs and learning style to ensure a good fit.

How do I know if my child is making progress with their tutor in Sewell, NJ?

To assess your child's progress with their tutor in Sewell, NJ, set specific goals with the tutor at the start of the sessions. FrogTutoring facilitates open communication between parents and tutors, so you can monitor your child's improvement through regular updates, progress reports, and by observing changes in your child's confidence and school performance.

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.

Sewell, NJ Neighborhoods We Service

Sewell, New Jersey, is not just a postal address but a charming, unincorporated community within Mantua Township, situated in Gloucester County. Home to a diverse populace and a myriad of neighborhoods, each with its unique flair and community spirit, Sewell offers a little something for everyone. Below is a guide to the various neighborhoods that make up the fabric of this endearing locale.

  1. Wedgwood Forest - A serene, wooded community characterized by spacious homes and manicured lawns. The neighborhood is situated near the Wedgwood Country Club, providing residents with access to golf and social activities.

  2. Baton - Often associated with tranquility and residential comfort, this area features a variety of home styles and is known for its family-friendly atmosphere.

  3. Tanyard Oaks - One of the newer developments in Sewell, Tanyard Oaks boasts contemporary homes, parks, and playgrounds that cater to modern family living.

  4. Timbercrest - This established neighborhood is well-regarded for its quiet streets, mature trees, and a tight-knit community that takes pride in their homes and neighborhood events.

  5. Hunt Club - Located near Washington Lake Park, the largest municipal park in New Jersey, Hunt Club residents enjoy an array of outdoor activities right in their backyard.

  6. Twin Ponds East - Known for its charming landscape and convenient location, Twin Ponds East is a sought-after area for families and professionals alike.

  7. Peachtree - Featuring a collection of well-appointed homes, Peachtree neighborhood is nestled within a picturesque setting, making it a desirable location for those seeking suburban solace.

  8. Snowy Owl Woods - Distinct for its natural beauty, this neighborhood provides an escape to nature with homes that blend seamlessly into the surrounding woodlands.

  9. Country Gardens - As its name suggests, Country Gardens offers a pastoral vibe with larger lot sizes and homes that command a quiet presence amongst the local flora.

  10. Chestnut Green - A harmonious blend of residential charm and convenience, this community is well-situated close to shopping centers and local amenities.

  11. Sewell Point - A smaller enclave within the community offering a selection of exclusive homes, seen as the gem within the locality for those seeking more upscale living.

  12. Crossroads at Mullica Hill - This newer development, straddling the border of Sewell, is characterized by its luxury homes and proximity to the historic Mullica Hill.

Each neighborhood in Sewell, New Jersey, offers its own flavor and lifestyle. From the bustling energy of the more contemporary developments to the peaceful aura of the well-established areas, the community here prides itself on its diversity and neighborly values. Whether you are a young professional looking for a starter home, a family desiring space and education in a suburban idyll, or retirees seeking a peaceful corner to enjoy the golden years, Sewell's neighborhoods provide an array of options to meet diverse needs and tastes.

As part of the larger Mantua Township, Sewell enjoys the benefits of a well-managed community, with excellent schools, convenient shopping, and a host of recreational activities, all while retaining the charm of a close-knit society. It's this unique blend of accessibility, community, and quality of life that continues to attract new residents and makes Sewell, NJ, a special place to call home.

About Sewell, NJ And It’s Education Institutions

Sewell, New Jersey, is an unincorporated community within Mantua Township in Gloucester County known for its charming landmarks and historical significance. Among its most notable landmarks is the Gloucester County Institute of Technology (GCIT), a beacon of vocational education in the region. Another point of interest is the Tall Pines State Preserve, which offers residents and visitors a peaceful escape into nature. The history of Sewell can be traced back to its agricultural roots, and although it has grown considerably over the years, it has maintained a strong sense of community and a connection to its past. The unincorporated community does not have a formally recorded founding date, but Mantua Township, which governs the area, was incorporated in 1853. As of the most recent census data, the population of Mantua Township, which Sewell is part of, hovers around 15,000 residents.

Education is a cornerstone of the Sewell community, with various institutions providing excellent opportunities for student growth and learning. Public schools in the area fall under the jurisdiction of the Mantua Township School District and Clearview Regional High School District, with Sewell serving as the site for several of these schools. Top-ranked public schools such as Clearview Regional High School and J. Mason Tomlin Elementary School receive praises for their academic programs and extracurricular activities. The community also benefits from higher education resources, with Rowan College of South Jersey (formerly Gloucester County College) nearby, offering a range of associate degrees and certificates. The college serves as a stepping stone for many students, providing access to education and fostering community engagement.

The neighborhoods in Sewell are characterized by a blend of suburban living with pockets of rural charm, featuring diverse housing options from historic homes to more modern developments. Families and students in Sewell have access to a plethora of education resources. The Sewell public library, part of the Gloucester County Library System, provides valuable support for students of all ages with its programs and materials. While Sewell itself does not have a university within its bounds, Rowan University is situated just a few miles away in Glassboro, easily accessible for Sewell residents seeking a comprehensive undergraduate or graduate education. Whether a family is looking for quality schools, a college student is in search of higher education, or a resident desires the comfort of suburban life with a touch of history, Sewell, NJ offers a welcoming community with resources to meet their needs.

Students at These Sewell, NJ Schools Excel with Our Tutoring

Sewell, New Jersey, is home to a diverse collection of educational institutions that together provide comprehensive learning opportunities for students across various grades and specialties. The following is a sample list of schools in Sewell, including both public and private institutions, whose students have benefited from our tutoring services. Please note this is not a comprehensive list of all schools in the area, but rather a curated selection to illustrate the range of options available to students in Sewell.

Washington Township High School

This public high school offers a variety of academic and extracurricular programs for students in grades 9-12.

Bunker Hill Middle School

Serving students in grades 6-8, Bunker Hill Middle School provides a rich educational experience with a focus on development and growth.

Chestnut Ridge Middle School

Chestnut Ridge offers a curriculum designed to meet the intellectual, physical, and emotional needs of students in the middle school years.

Orchard Valley Middle School

This middle school aims to create a supportive environment for young adolescents transitioning from elementary school to high school.

Hurffville Elementary School

Catering to students in kindergarten through fifth grade, Hurffville Elementary emphasizes foundational skills and knowledge.

Birches Elementary School

Birches provides a comprehensive elementary education with a commitment to academic and social growth.

Wedgwood Elementary School

This school offers a nurturing and challenging educational environment for elementary-aged children.

Holy Family Regional School

As a private Catholic school, Holy Family serves students from Pre-K through eighth grade with a faith-based curriculum.

Sewell Elementary School

A part of the Mantua Township School District, Sewell Elementary provides quality education to younger students in the Sewell community.

J. Mason Tomlin Elementary School

Another prominent elementary school in Mantua Township, focusing on creating a solid educational foundation.

Gloucester County Institute of Technology

This public high school specializes in technical and vocational education, preparing students for both college and careers.

Clearview Regional High School

Offers a comprehensive high school education with a wide array of academic courses and extracurricular activities.

Clearview Regional Middle School

Provides a diverse educational program aimed at meeting the unique needs of middle school students.

Friends School Mullica Hill

A private Quaker school that educates students from Pre-K through eighth grade, focusing on academic excellence and ethical growth.

Bishop Eustace Preparatory School

This private Catholic high school is known for its rigorous college-preparatory program.

St. Margaret Regional School

A private Catholic school that serves preschoolers through eighth graders with a commitment to faith and knowledge.

Under the Sun Learning Center of Sewell

As a private early childhood education provider, this center offers programs for infants through kindergarten.

Bankbridge Elementary School

Part of the Gloucester County Special Services School District, this school serves special education students with diverse needs.

Green-Fields Elementary School

Emphasizes top-quality education and personal development for students in West Deptford Township.

Central Early Childhood Center

This public school in Deptford Township provides a strong early childhood education program.

Keep in mind that the educational landscape can change over time, and it is important to visit these websites or directly contact the schools for the most current information and offerings.

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.