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I graduated from San Diego State University with a B.S. in Business Administration (Accounting emphasis) and with High Honors and Distinction in my major. I earned a Certified Public Accounting license in 1982 after working for CPA firms. I lived in Australia for seven years, during which time I began working in financial management for non profit organizations.

I continued this type of work in the San Francisco Bay Area for twenty years before taking up work in education. Last semester I tutored a SF City College student in accounting. In the past, I tutored students in junior high school math and social studies. Recently, I earned California Adult Education and Career Technical Education teaching credentials.

I am most interested in tutoring accounting, having worked in the profession for many years. I love people and enjoy helping them learn.

In my spare time, I love to travel and meet people around the world. I have been to about 35 countries and have worked with people from many more. I embrace cultural diversity and interfaith cooperation.

Ray’s Qualifications

Education & Certification

Undergraduate Degree: San Diego State University - Bachelor of Science, Business Admin--Accounting


I love to travel and meet people around the world.

Tutoring Subjects



Business Enterprise

College Accounting

College Business

College Geography

Elementary Math


High School Accounting

High School Business

High School Geography


Middle School Math


Social studies