Bamburgh Business Related Tutors and Bamburgh Business Related Tuition

Personal Description:
I work as a Solicitor, working in a busy High-street Firm. I have been working for 10 years. I have been tutoring for the past 7 years and it is something I enjoy immensely.

I am able to obtain all exam papers and mark schemes, in order to help the students.

I am very patient with my students and can keep a calm temperament. I will assist my students in any way possible, in order for them to reach their maximum potential.

As a person, I am very approachable and like-able. This is also my approach as a tutor as I aim to make my students feel comfortable. All the students I have taught have provided me with positive feedback, as they have enjoyed sessions and feel they can relate to my style of teaching.

I am also able to provide sessions in order to assist with coursework deadlines etc and general English speaking and writing.

Teaching Experience:
I have been tutoring for 7 years, with a wide-range of students, from GSCE to Degree level. In addition to this, I have continued tutoring my younger brother, who has now completed his LLB and he further provides me with constructive feedback and the up-to date course material.

I have taught around 40 students, with varying abilities levels, although I have succeeded in helping them improve.

Tutoring Approach:
I take tutoring very seriously and approach each student on their own merits. I am recently qualified I'm my area for work, therefore my approach to teaching is relatively up-to date and contemporary. My recollection of School confirms that the classes in which I excelled, were the ones where the teacher would take an active-role in class. I have incorporated this into my teaching method. I have an individualised teaching approach and adapt my style to the student's needs.

If any students require one-off sessions, for help with coursework or exams, I am able to provide this.
With the exam period forthcoming, I have experience in going through exam techniques and revision methods.

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Personal Description:
I am london based accountant with 2 major accounting post graduate qualifications. I teach students on private basis in accounting, finance, business related subjects

Teaching Experience:
I have over 7 years Teaching Experience and helped more than 300+ students to date.

Tutoring Approach:
My approach to tutoring would to teach students in their homely environment where they are most comfortable, by understanding their needs, current status and then starting with day to day examples of life collaborating with accounting and business topics to make the subject and topics easier to understand.

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Personal Description:
DO YOU NEED A TUTOR FOR EXAMS/RE-SIT EXAMS THIS YEAR? LOOK NO FURTHER!


GRADE 1 OUTSTANDING - OFSTED (from 2002 to 2024!)
I have been the Head of Accounting since 2006, at a large Catholic Sixth Form College in Hulme, Manchester. I am 46 years old, living in Didsbury, South Manchester. I gained my degree in Economics and Finance in 1998 from Leicester University. I began teaching in 2002 so have many years of experience teaching Accounting.

I mainly offer tuition at my home, or a local library, either at the weekend, or weekday evenings. However, I am usually able to offer tuition during the school/college holidays.

Teaching Experience:
I completed my PGCE at Manchester University in 2002. I only teach Accounting AS and A2 Level, and this is therefore my main specialism. I can also help students in need of tutoring on the Finance elements of the Business Studies A Level, or on Accounting/Finance elements of Business/Accounting/Finance degree courses.

I teach the AQA specification.

Many tutors are not willing to advertise the results they have achieved with students. I recommend you read the section below on the results i have achieved with my A Level Accounting students.

Also, many tutors seem to offer tuition in a wide variety of subjects. Are they really specialists in so many different subjects? I am an Accounting specialist, and only offer tuition in Accounting or the Finance elements of a Business course. If you need a Maths tutor, then hire a Maths specialist. If you need an Accounting tutor, then hire me!

Tutoring Approach:
Many other tutors seem to describe their strategies/relationships etc, without mentioning anything concrete like exam results! Surely the one thing a prospective student wants to know about is exam results!?!? Read on.

I have an incredibly strong track record of results at A Level Accounting. Compare the results of my students against the national benchmarks below. Please compare the difference between my students, and the benchmarks. We are WAY ahead!


My A Level Accounting students in 2022:

Grade A*-B = 79%

Benchmark A2 Accounting 2022:

Grade A*-B = 43%


Each department within the college is graded according to the college's own internal validation procedure. I have been graded as 1 'OUTSTANDING' for 17 years on the row, since I became head of the department!!!

The Accounting department was also graded as 1 'OUTSTANDING' in the last OFSTED report in Jan 2023. Key Findings from Ofsted:

"A high proportion of students achieve grades A and B. In A-Level Accounting more than two thirds of students gained a high grade (A-B). In AS Accounting, almost four times the national average achieved a high grade (A-B)."


I have been awarded grade 1 on the ALPS measure for value added on 3 separate occasions in recent years. This means i add more value to my students than any other college in the country. Value added measures the difference between what the Government predicts a student should achieve at A Level based on their GCSE performance and what they actually achieve.

Here are the previous years results, so you can see that the performance is ALWAYS impressive, and WAY ABOVE benchmark.


My A Level Accounting students in 2021:

Grade A*-B = 63%


Benchmark A Level Accounting 2021:

Grade A*-B = 47%


My A Level Accounting students in 2020:

Grade A*-B = 61%

Benchmark A Level Accounting 2020:

Grade A*-B = 44%


My A Level Accounting students in 2019:

Grade A*-B = 47%

Benchmark A2 Accounting 2019:

Grade A*-B = 33%


My A2 Accounting students in 2018:

Grade A*-B = 47%

Benchmark A2 Accounting 2018:

Grade A*-B = 37%


My A2 Accounting students in 2017:

Grade A*-B = 63%

Benchmark A2 Accounting 2017:

Grade A*-B = 40%


My A2 Accounting students in 2016:

Grade A*-B = 51%

Benchmark A2 Accounting 2016:

Grade A*-B = 35%


My A2 Accounting students in 2015:

Grade A*-B = 48%

Benchmark A2 Accounting 2015:

Grade A*-B = 34%


My A2 Accounting students in 2014:

Grade A*-B = 56%

Benchmark A2 Accounting 2014:

Grade A*-B = 36%


My A2 Accounting students in 2013:

Grade A*-B = 68%

Benchmark A2 Accounting 2013:

Grade A*-B = 38%


My A2 Accounting students in 2012:

Grade A*-B = 68%

Benchmark A2 Accounting 2012:

Grade A*-B = 36%


My A2 Accounting students in 2011:

Grade A*-B = 54.54%

Benchmark A2 Accounting 2011:

Grade A*-B = 35.12%



My A2 Accounting students in 2010:

Grade A*-B = 67.35%


Benchmark A2 Accounting 2010:

Grade A*-B = 37.36%


My A2 Accounting students in 2009:

Grade A*-B = 66.67%


Benchmark A2 Accounting 2009:

Grade A*-B = 35.83%


My A2 Accounting students in 2008:

Grade A*-B = 77.27%


Benchmark A2 Accounting 2008:

Grade A*-B = 33.93%

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Personal Description:
I am an enthusiastic and hard working individual with 100% pass rate. I am passionate about what I do and I have always ensured the best possible outcome from all my students.

Teaching Experience:
I have 16 years of teaching experience and in this time I have successfully delivered the following subjects:

Higher Business Management
National 5 Business Management
Higher Administration and IT
National 5 Administration and IT

I am familiar with all of the above courses, and my students are known to achieve excellent pass rates.

I am also a Marker at National 5 and Higher level - Business Management - for the SQA.

Tutoring Approach:
I am online based. During the tutoring sessions, I will go over the key points of any/all topics which have been covered by your classroom teacher. I will be able to provide you with additional notes and tasks as well as working through exam past papers to improve your general exam technique. At National 5 level/Higher level I will be able to provide you with guidance on how to successfully answer exam questions using the command words which have been set out by the SQA.

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Personal Description:
I have been studying Martial Arts since 1966. Having gained Master qualifications in Ninjutsu, Karate, Taekwondo, Jujutsu and Kung-Fu. My personal martial arts journey began whilst growing up in the far east.
Following a violent attack as a 16 year old child, while perusing various forms of self-defense classes, I was introduced to the Japanese Martial Arts an immediately became a convert.
I have a keen interest in the well-being of people, those who have experienced violent trauma, lack the confidence to defend themselves or their family, or who simply want to learn a Martial Art.

I am also a qualified Life Coach accredited by The Coaching Academy.
Life coaching draws inspiration from disciplines including Sociology, Psychology, Positive Adult Development, Career Counselling, NLP, Mentoring and other types of Counselling.

Teaching Experience:
I have been teaching self defence/martial arts since 1982. I have also taught members of the British Army having once been a member of the Parachute Regiment.
I have worked as a club doorman, a protection officer, a wheel clamper, a private detective. I am still an active security consultant and working bodyguard.
I am qualified to teach martial arts weapons. My expertise is close contact situations, how to resolve them and how to avoid them.

Tutoring Approach:
I teach in a very relaxed way. I will empower you with confidence and the skills that you will need to protect yourself and your family.

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Personal Description:
My name is Marc and my specialties are: confidence as individuals, dealing with stress within the work place and anxiety / constant worry / pressure management.

My experience, with the above areas, comes from over 22 years within management, personal struggles that I've overcome and my personal development of mind body practices.

Teaching Experience:
I have been training, teaching, mentoring individuals, over the last 22 years, in my various roles as a senior manager. I have also been teaching self defence, on a 1-2-1 or group basis, over the past 6 years.

Tutoring Approach:
I sit down with each student and by asking specific questions I can determine the level of issues that need addressing. From there I am able to approach the teaching from individual requirements and tailor accordingly.
Real life examples are used to demonstrate how situations are addressed and role play is used to build up the right levels of skills.
There are tasks to be completed between each session with discussions on observations communicated via email or phone call.
I offer 1-2-1 or group training at people homes which is the best neutral place for training to occur.
Each teaching experience is personal and ensure it relates to the individuals needs. This is definitely not a 'one size fits all' course.

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Personal Description:
Human Resource and Human Resource Management are the area of my expertise and this is something I am very passionate about. I thoroughly enjoy teaching this subject and I enjoy working with students at college and university level. I also teach business studies and its relationship to HRM at degree level.

Teaching Experience:
Human Resource Management, Business Studies and Strategic Management Studies are the key areas of my experience. I have worked and taught in this subject area for over 35 years at University level. I thoroughly enjoy my subjects and i particularly love teaching university and college students.

I am a qualified and approved Chartered Member of the Institute for Personnel and Development (CIPD). I am also a Fellow at the Royal Society for Arts (FRSA) and a Member of the Institute for Economic Management (MIED)

I have been tutoring students for many years and it is often a case of panic rather than a need to improve their academic ability that drives them to seek help and support.

Whatever your reasons ... I am here to assist you manage your work, your assignments and your dissertation. Not all sessions require payment there are a fair amount of goodwill sessions on my part to continue to be your anchor during your challenging moments in the lecture hall. Therefore you are free to email and call me as much as you wish to discuss any aspects of your learning. All reasonable levels of telephone support is free. (if you call me at 3am I may over-charge you but if you call me at 3pm it may be free)

I am happy to continue to communicate with you until such time you decide what you wish to do.

I have extensive academic experience in

 Business Management
 Human Resource Management
 International Communications
 International Cultural Studies
 International Relations
 International Political Economy
 Social Sciences Research Methods
 Social and Political Science Studies

I have no experience in finance management.

Tutoring Approach:
Each student is different when it comes to learning. Some students enjoy 1 to 1 and some students love group learning. My approach is to create an individual style for each student and work with you to meet your learning needs.

The key to any success is READING and then having the opportunity to discuss the subject in detail to analyse the the debate.

In addition to this, it is important to develop skills and understanding of your subject area so that you are aware of the key areas of policy and theory and how theory is applied to policy in the real world.

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Personal Description:
Equipped with an ACCA and ACA - Kaplan Financial London & BSc in Accounting and Finance, I consider myself a problem solver which has given me an edge over others and has made me confident. Possessing strong working knowledge of real world accountancy & finance has conceptually made me very clear with the subjects of listed professional bodies.

Teaching Experience:
I have been teaching different types of students on different levels since 2008 and my fundamental objective is to get them through decently.

Post exam qualified experience has enabled me to evaluate students' understanding on particular subjects and then deciding the level of approach.

My students come from different walks of life.
From Domestic to International, Privately funded/State funded, Students include from top 10 accountancy firms: PWC, KPMG, EY, Grant Thornton etc...

University students covered from the following institutions:

UCL
LSE
Kings College
Queen Mary
Warwick

Tutoring Approach:
Students who are novices would be given attention from the basics & those who are familiar with the concepts and need a little push, would be moved directly on to past exam papers and examination kit.

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Personal Description:
I am the author of five textbooks, all published by Routledge - 'Leadership: Performance Beyond Expectations', 'Leadership: A Critical Introduction', 'Emotional & Irrational Investing' and 'Charismatic Leadership: The Role of Charisma in the Global Financial Crisis'. I am a professional academic & writer, and I currently lecture on an MBA programme for a leading European institution, alongside co-managing a finance company. I am also a Research Officer.

Teaching Experience:
I have taught for many years in both sports and business faculties, from A level to undergraduate, pre-Masters, Masters, MBA and PhD level. I have also presented at a number of European and international academic conferences and hold a PGCHE (Postgraduate Diploma in Teaching in Higher Education). Having previously led the research studies stream at a leading HE institution, I am well placed to tutor in both business/mgmt, leadership, sports, sociology and research methods related areas.

Tutoring Approach:
My teaching specialisations fall into three broad categories:
- business/management (with a specific expertise in leadership studies):
- research methods, including dissertation and theses support
- sport studies and sport science/anatomy & physiology

I believe in encouraging a passion for learning in my students and feel that there is always a way of helping students connect personally with a subject.

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Personal Description:
I am a well-qualified, service driven, friendly and skilled professional. I thoroughly enjoy teaching students. I have over 5 years teaching experience. I have completed BSc (Honours) in applied accounting from Oxford Brookes University. In addition, I have passed two high profile professional exams (The Association of Chartered Certified Accountants ACCA & Chartered Financial Analyst CFA) in accounting, finance and investment sector.

Teaching Experience:
I teach accountancy, finance, investment, tax & statistics in graduate & post graduate level. In addition, I teach high profile professional exam students for ACCA, ACA, CIMA, AAT, CTA, ATT, CISI, IMC & CFA. I also teach portfolio management, wealth management, corporate finance, financial reporting, quantitative method, equity investment, fixed income, alternative investment, risk management, fnancial mathematics, international finance, econometrics, derivatives and foreign exchange. In accountancy, I teach all subjects area which includes financial accounting, financial reporting, corporate reporting, management accounting, performance management, financial management including advanced financial management, audit and assurance, personal taxation, corporate taxation, capital gain tax, value added tax and inheritance tax. Moreover, I also teach GCSE mathematics and A level statistics & accounting and cover all boards syllabus.

Tutoring Approach:
My teaching style is very effective and efficient. I make the study material to students easy and understandable so that it makes sense to the learners. I provide friendly learning environment. I repeat key concept many times until the students grab it as understanding the key concept is very crucial for passing the exam. I demonstrate how to approach the exam question and answer the question within time limit as time management is another essential factor during the exam. Most of the students who followed my method of learning succeed in the exam.

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Personal Description:
Dr Sheraz is currently associate lecturer in Lincoln International Business school, University of Lincoln. He was previously Business Lecturer (Marketing & Project Management) at the Nelson College, London. Prior to his current appointment he was seminar teacher and PhD researcher in Value Chain Research Centre at the Kent Business School, University of Kent Medway campus. Before joining Kent Business School, he was a professional trainer and practicing aeronautical engineer at the National University of Science & Technology, Pakistan and Aviation Maintenance Organisation. He also served as Lecturer in Supply Chain Management at University of Engineering & Technology, Pakistan.

Teaching Experience:
• Module Leader - Marketing Principles, BTEC Level 5 HND F/601/0556 (Unit 4) at Nelson College, London, UK.
• Co-Lecturer on Project Management BTEC Level 5 HND F/601/1036 (Unit 42) at Nelson College, London, UK.
• Seminar Leader on CB313: Introduction to Statistics for Business (on BBA Buisness & Management programme) Kent Business School, UK.
• Quantitative data analysis support for BBA, MSc and PhD Students' Disserations Kent Business School, Canterbury and Medway Campuses.
• Lecturer for professional diploma in supply chain management at Professional Development centre at National University of Science and Technology, Pakistan(Top university in Pakistan)
• Provided MBA Dissertation supervision for over 10 graduate students of the University of Science and Technology, Pakistan.
• Curriculum Development Coordinator for Pre-Masters Business & Management at Centre for Advance Studies(CASE),Islamabad, Pakistan.

Tutoring Approach:
I have an extensive teaching experience both at the undergraduate and professional level. As required, I would be happy to contribute to undergraduate and postgraduate modules of both a research-led and a methodological nature.I am also aware of the importance of the pastoral care of students and take the role of tutor very seriously. I am experienced in liaising with colleagues to help students with a variety of problems. I was involved with undergraduate business students at Kent business school for tutoring and mentoring.

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Personal Description:
My Name is Bo I am from Sweden but I have lived here for about 20 years. I have a business degree and an engineering degree both a few years back. All the job I have had in the UK are in the It Sector. All the job has also been team leading and teambuilding. I always prefer to have a graduate and turning them into a useful coworker.

Teaching Experience:
I have taught math and other subjects at a university in Sweden for a year. I have no paper qualification valid in the UK. All the mentoring experience in this country has been in IT industry.

Tutoring Approach:
1) The student will be taught how to set up a problem and solution methods. It includes reducing the problem before numeric approach.
2) will show have almost every problem can be turned into an equation
3) Methods to sole those equation
4) Whatever the student wants help with

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Personal Description:
I am a native Arabic speaker, very passionate and knowledgeable Arabic teacher.
Teaching on a part-time basis at the moment.
Academically, I have two master degrees; one in conflict, governance and development at university of York in UK., and the second is an executive MBA from Dauphine University, France in cooperation with HIBA in Syrian and Saint Joseph in Lebanon. Further, my BA was in English Language and Literature.
Professionally, I'm a Certified Management Consultant (CMC) with 20 years experience in development sectors within public, private and international organizations in various countries.
I worked for more than 4 years with the North Yorkshire Police, Fire and Crime Commissioner Office in policy and delivering projects.

Teaching Experience:
I have more than 11 years experience delivering lessons focused on the interests and needs of student/ clients.
Knowledgeable of standard instruction principles, modern tools for teaching Arabic to Non-Arabic speakers (English, Turkish, Indians, Italians and Germans).
This experience has equipped me by fully require qualifications from planning the course, teaching theories and methods to communication.
Ability to handle both administrative and teaching duties with a high degree of professionalism.). Besides to solid English-to-Arabic translation abilities.

Tutoring Approach:
My approaches are SMART and holistic in nature, and take in my account the culture sensitivity for each student. I am friendly and responsive, authoritative vs. authoritarian. My teaching style is more customized to meet the defined objectives. Sometime could be formal or informal, especially for students under 18 years.

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Personal Description:
I am a dedicated teacher and tutor who is passionate about education and the progression of students to achieve their maximum potential. Currently Head of Economics, with 10 years experience in the classroom teaching A-Level and GCSE Business, Economics and Financial Education.

Teaching Experience:
I am currently Head of Economics in a highly successful inner London secondary school. I have taught for 10 years across various exam boards and also have experience as an A-Level examiner for AQA. I am a co-author for the most recent GCSE Economics workbook by published by Hodder Education.

My previous experience includes working as an Academic Mentor for Economics and Business Studies in a Sixth Form College. My undergraduate degree was in BSc Economics from City University London. I also completed my PGCE in Business and Economics Education at the Institute of Education, UCL.

I have worked with many A-Level and GCSE students across London to achieve different objectives, ranging from understanding key diagrams to mastering exam technique!

I have been able to witness first-hand the positive impact of tuition and love the opportunity to expand the knowledge and experiences of the students that I meet.

Tutoring Approach:
I believe in a student - centred approach, focusing on building confidence and equipping students to be independent learners. I use current Business and Economics news in sessions, to help students understand different theories and concepts. I use past papers and practice questions to help students develop their exam technique and exam assessment objectives.

I have had experience tutoring online using platforms such as Zoom, Microsoft Teams and Google Meets. I ensure that lessons are engaging use different methods to ensure students are still building their knowledge and understanding of the topic.

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Personal Description:
hello,

I'm a student in the University of Greenwich.I'm doing my BA Hons business management degree and I'm in the last year. I always loved studying business studies and maths. O levels and A levels business studies is on my finger tips as I have a passion to do business in future. I'm very sharp at primary Mathematics loved Algebra in junior school. I'm looking for earning some extra money and I think this is the best way of doing earning it as I can spread knowledge help others and simultaneously earn some money as well.

thanks.

Teaching Experience:
I do not have a formal teaching experience, though i have tutored my younger brothers and substituted classes in my school. where teachers gave us the opportunity to teach a a group of junior students in school break clubs.

Tutoring Approach:
I focus on making my student understanding the concept and on his or her weakness. I create very friendly environment where students can be feel comfortable and share their problems regarding the subject.

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Personal Description:
I am a Business English Tutor, with a Bachelor's degree in Economics for Business and Marketing. I have spent over 20 years in Corporate, especially in the banking area, where I have gained a lot of experience.
I have 15 years of teaching General English as well as different Business subjects, I am also a CELTA Cambridge teacher.

Teaching Experience:
I have taught over 1500 lessons, helping my students gain skills and confidence. I know the corporate environment very well, and I would be happy to share my knowledge with you. Thanks to my travels, I can adapt to any culture and adjust my lessons accordingly. I love talking to people and cannot wait to learn more about you. I teach General English, English for Business, Economics for Business, Accounting, Marketing, Principles of Management and Skills for Business.

Tutoring Approach:
My teaching style is primarily student centred, and I adapt my teaching style in order to cater for everyone and make the material as interesting as possible.
I like to use different books, exercises, colorful PowerPoint slides and even videos where possible to demonstrate my learning points. I believe this is something which increases student interest significantly, and from my experience, leads to a better learning experience overall.
I am highly effective at behavioural management, and focus on the three R's of RESPECT, RESPONSE and the RIGHT way to learn. These have served me well over time.
Finally, I have an approachable, inclusive style of teaching that is sufficiently flexible enough to cater for a diverse range of learning styles, needs and requirements.

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Personal Description:
I am certified and freelance Interpreter, I have worked extensively with the English and Greek language professionally, translating for publishers, editing and everything encompassed within the publishing industry.
I have studied Int'l Business, BA 1994, I am a certified interpreter and I love to teach, and I do so with methods that entertain and provide experiential learning for all levels. I value receiving feedback from my students to understand each person's individual and specific needs and I personalize the teaching accordingly. I do freelance Interpreting and have language experience professionally translating for publishers, editing and creative writing, publishing and advertising, lecturing and giving seminars

Teaching Experience:
I have taught English and Greek in a private school setting for three and 5 years respectively. I teach by different creative ways for interactive experience. I value receiving feedback from my students to understand each person's individual and specific needs and I personalize the teaching accordingly.

Tutoring Approach:
I love to teach, and I do so with methods that entertain and provide experiential learning for all levels. I value receiving feedback and proceed.

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Personal Description:
After qualifying as a teacher from Oxford University's specialised teacher training college I entered business and have held many senior positions as Commercial Director (e.g. Wembley Stadium) and Chief Executive of medium to large business mainly in the service sector. Complemented with 6 years experience as a global management consultant with Deloitte Consulting, one of the "Big Four" global firms.

I moved into Higher Education as a both a Senior manager (Director) at the University of the Arts London and subsequently as a Lecturer at the University of Kent (Visiting Fellow in Entrepreneurship).

I have 3 grown up children and I live in the UK.

Teaching Experience:
I qualified as a teacher of English and Drama from Oxford University's specialised teacher training college. My teaching experience started with developing executive training programmes in Finance and management assisting a group of local Chief Executives of small businesses. This developed my interest in teaching and I subsequently took a role as Visiting Fellow in Entrepreneurship at the University of Kent in Canterbury UK. At the same time becoming an adviser to the UK's national Body promoting Entrepreneurship (the NCEE).

In 2017 I took a teaching role in China as Business Teacher in the International Baccalaureate curriculum a the Canadian International School of Hefei also teaching business related programmes in the New Brunswick Canadian Curriculum to students aged 16 to 18. I subsequently became Head of the Humanities department and left the school after 8 years, in 2025.

I currently tutor -on line- one of my previous students.

Tutoring Approach:
I believe every individual has their own way that they find easiest to learn and absorb most easily and part of being an effective tutor is to identify the learning style of students and this is achieved through careful listening, observation, discussion and modes of work (speaking, writing, drawing) etc). In the IB the overall approach os concept based learning where students are helped to develop tbeir own powers of deduction, reasoning and problem solving and this is my approach to tutoring (and teaching). On a practical level this means alot of discussion between me and students leading them to develop their own answers as much as possible to business options, issues and questions. In this way I find students retain what they learn. A blend of teaching methods helps to keep the lessons engaging and interesting. For example sometimes I will provide a ppt and use this as a discussion point at other times discuss a piece of written homework. I would characterise my approach as patient, creative and practical with the theory explained in some cases based on my own business experience.

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