All posts by Danny Hampton

10 things that happen if you do NOT return a loan

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Sometimes users of financial products are not aware of the consequences that can result from not returning a loan or loan in the appropriate time. Unaware of the increases in fees, management costs or even legal procedures.

List of consequences for not returning a debt:

1 – Increase in the amount of money owed.

Some users of personal loans or consumer credit, they think that only increases the debt, depending on the interest they have with the loan, however this does not work well. Since this is added management costs, much higher fees and all kinds of expenses, as consequences of not fulfilling the contract with which the consumer, is supposed to agree and committed to comply. In the financial contracts, this type of added costs are indicated very well, it is possible to find the conditions of the service or in the FAQ , frequently asked questions.

2 – Bad image in your company – You can call work.

Having a bad image in a company, can generate distrust of your coworkers and also senior officials. It is possible that the companies to which you owe money, after ignoring their calls or not returning the fees, have to try to contact in other ways such as calling the work . Most times when requesting a loan, a payroll is delivered. Thanks to this information, the financing company has the easiest contact with your company. However, they can also garnish the payroll, without knowing the company in which you work, but for that it is necessary before a legal procedure.

3 – You can garnish the payroll.

As we have said before, you can be garnished a part of the payroll. They can not garnish the payroll in full, since there are laws that have been made to protect the consumer. Likewise, a payroll embargo is still something negative that harms the domestic economy or the family economy. It is also something negative regarding the previous point, since you are giving a very bad image in the company. Who would amount to someone who owes money to a fast-loans lender or to a bank?

Many people who have a lot of debt, end up working in black. Which can be negative in the case of fines in labor inspections, less contributions for retirement or suffer accidents at work, which are not covered by anyone.

4 – Suffer an asset embargo.

You can also remove high value goods depending on the type of loan that has been requested or the judicial procedure. An example would be, when applying for a mortgage loan. When applying for a mortgage loan, the guarantee of a home is placed. Many people have applied for loans that were believed to be personal, giving information from the deeds of their homes , when in fact they were applying for a mortgage and by not returning the money, they have lost their home. Is it really worth losing a house for wanting to buy a new car or a house with a cost that can not really be met?

Divorced parents who are heavily indebted and do not pay their child’s pension may also be subject to a payroll or property embargo in order to pay for family support .

5 – Management fees and fees.

That increase the debt more.

6 – That your family suffer because of you.

If for example you have family responsibilities, such as children and you can not afford the cost of their care, because you have debts that have increased by not paying, is something that affects their lives, such as their academic training or to your emotional state. Having debts can also cause breakup of a couple , especially if these debts have been made because of vices, parties or other expenses are not important and that nobody has to support for you . If you have a family and have debts, they are creating a bad economic situation and a bad living in their lives . Also legal problems in the case of not paying the basic expenses of the children.

7 – Not being able to access other financial services or fees – List of Defaulters

Since figures in the list of defaulters to have a debt that has not been fulfilled, it is possible that some banks or financial companies do not want to give you a loan, especially if it is due to a default. The greater the debt or the amount of the installments, the lower the chances of accessing a loan or a credit card.

  1. Not have a credit card . Something very uncomfortable if you are already used to it.
  2. Not having access to some telephone company promotions and contracts.
  3. Not having access to monthly fees such as cable television or any monthly service that bothers to verify the solvency of its customers .
  4. Not being able to take advantage of the 0% financing of some shopping centers or brands.

If it is a debt that you did not repay when it was owed and you are on the list of defaulters, there are also non-financial companies that deny services, such as television with monthly installments or contracts with telephone companies. It is very important to emphasize that everything depends on the amount owed, the true cause of being in default and the economic capacity of the consumer.

8 – Having a bad history in the future.

Banks have access to a consumer’s credit history, since when requesting a financial service, firms form part of a database. If you have a negative history, it can be a consequence of not being able to apply for a mortgage in the future or enjoy the advantages of having a credit card . It is not coherent, not being able to request a mortgage for the purchase of a home or a more important expense, for a debt of a small credit or a card.

9 – Go to lawsuits and legal expenses.

The legal expenses are caused when the company to which you owe money, forces you to go to a trial. Going to a trial can cause very large expenses, even thousands of euros, for example, expenses in lawyers, counseling, costs of trials etc … Depending on the amount that is due, will go to a certain type of trial.

What type of judgment is made for a debt?

  • Verbal judgment: when the debt is less than € 6,000
  • Ordinary trial : when the debt exceeds € 5,999
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10 – Frac collector.

It is not something that financial companies do on a regular basis, as this borders on the legal limit . Do not rule out making you look ridiculous in a very important event, if for example you work in the business world or you are in a meeting / work event, making new professional contacts.

There are also other dangers much greater than the previous ones, when dealing with lenders who work in a particular way. Some lenders of the game world, the night or doubtful businesses, hire thugs who are responsible for threatening or even assaulting people who do not comply with what they agreed . There are also usurious lenders, who blackmail their clients, when they take a long time and force them to return debts could be considered as usury, to increase them as much as extortion, when they use violence / threats as a way to expedite a collection.

What are the ways to avoid a debt or reduce it legally?

There are some ways to avoid debts, return them in a more comfortable way and even reduce them. Below are some legal forms that work in Spain. Here are some :

  • Have a minimum or reduced salary: in Spain there is a law that says you can not garnish a payroll if it is very small or can only garnish the payroll in a certain percentage. This law has been made to protect consumers from debt and they can continue to pay for very basic things such as food, electricity or rent.
  • Report the debt as usury, thanks to a lawyer : in Spain there are also laws against usury. With a good lawyer and with enough evidence, such as to qualify a usury debt, this can be reduced or even canceled. Canceling debts through a trial is usually not very common, however you can also reach better negotiations.
  • Unify the debt through another loan : this is not available to everyone and is only available to those who have much more favorable conditions in their domestic economy, such as those who enjoy a steady job or permanent help. Through the unification of debts, a user can return the debts with a large loan, so that they do not increase so considerably and also have the convenience of having only one fee, instead of different fees and ways to deposit the money in the creditors .
  • We recommend : compare financial companies and their opinions .
  • Leave Spain: so that you find a job, save enough and you can return with the money to repay the debt. It is something that not everyone can afford, only people without burdens or with a cold enough mind, to leave everything behind. It is important to go to all the judicial processes that the debt could generate.

Are banks obliged to negotiate a debt?

Thanks to the Second Chance Act, debtors have the opportunity to make their debt more comfortable, also thanks to other regulations that banks have, when they try to negotiate debts. These types of laws are not applicable to all types of debts and certain characteristics and requirements must be met.

Hire a lawyer to negotiate a debt.

When dealing with someone with debts, the most normal thing is that they do not have money to pay a lawyer. However, there are economic lawyers and also cases in which the debt is so large that it is also advisable. There are lawyers and companies specialized in negotiating debts and even getting, negotiations that perhaps without the help of them, could not be acquired .

When is a loan in Spain?

In Spain to qualify a debt as usury, it is necessary that some point that we will indicate below be fulfilled and also depend a lot on the interpretation of the judge .

  • Average interest of the loans : when in the similar financial products, the average interests are lower and this duplicates them, it is very probable that this debt can be considered as usury. Also to take advantage of desperate situations or mental problems / deficiencies of the applicant, in order to sign a usurer contract.
  • The Law of usury of 1908 : is the one that is used at present. It is true that this is a very old law and that possibly some financial products are not compatible with this law, so that they are interpreted in another way.
  • Read the full usury law : Law of July 23, 1908, of Usura (Legal News)
  • Take advantage of the consumer : it could also be considered as usury, when the lender takes advantage to make oral contracts that are not indicated in the signed contract, such as demanding larger amounts that do not appear legally or dates that either.

Just by opening the previous link, we can see how in the first paragraph it indicates as one of the most important characteristics, the comparison of interests, compared to other financial entities or similar services.

What happens if I can prove that the debt I owe is usury?

A loan can be canceled when it is considered usury. So that the person who owes the money would win. It is not easy to prove.

Interesting fact : in some countries the usury is considered, like any loan that has a certain interest, in Saudi Arabia, it continues being this way – From when the money exists .

When is a loan pool necessary?

A group of loans or unification, is necessary when the financier or lender to whom we owe money, is causing that debt to have an excessive increase. So that a unification can only add some extra costs to the debt, which are not as high, as the growth of the previous debt, as time passes and the defaults continue . As we have said before, not everyone is lucky to achieve a unification, before it is important to get an indefinite contract, something very difficult in the current times, especially in some autonomous communities where unemployment is very large.

Beware of groupings of credits.

Some companies that advertise themselves as debt consolidators are really just companies that charge a financial advisory study . This can make you “get” the money for an advice and finally not get a debt pool. It is important to seek opinions and read well the services that are advertised.

Habits that make you return a loan.

  • Reach a negotiation instead of not responding to calls . There are people who ignore the calls of the collectors, when in reality, many times what they seek is to negotiate a debt, so that it becomes a more satisfied client that does not soil the reputation of the financial or banking entity.
  • Do not ignore small debts . Some people have very small debts in financial companies like Cofidis or Cetelem . While they continue with their vices, buying tobacco daily, alcohol, traveling etc … Sometimes for debts of € 100 or € 300 that could solve quitting smoking or leaving other vices and that end up in much more negative situations, paying more fees and receiving legal notifications.
  • Habits of saving in the family economy . Such as buying an inexpensive shopping basket, once a week or even once a month. With cheap products. It is better to make a small effort in a present than to have an increased debt in the future.
  • You have to see: How to save money in a short time? A list of cheap supermarket foods with which to live healthily and how to save on fuel.

Conclusion:

Not returning a debt has very serious consequences and in the best of cases, this can be considered as usury, something that is rarely possible and that can lead to very expensive legal expenses. When you have an outstanding debt, it is best to return it as soon as possible and not delay it.

The 7 credit card precautions that we recommend

Sooner rather than later our day-to-day transactions will be governed solely by electronic money, that is, by the use of credit cards instead of cash- Credit Cards for Bad Credit no Deposit -Top 5 Offers 2019 Onwards.

Although the use of electronic money has highly sophisticated security systems and algorithms, there is always the risk that cyber thieves play a trick on us without us noticing. Remember that a credit card is not the same as a debit card, and try to learn the differences between one and the other before requesting it. Today we bring you some simple tips that will make you stronger against the most common problems related to the use of credit cards.

1.-When you pay with a card.

If you are going to pay with a credit card, do not ever let them take you to another place to make the payment. That is, always stay close enough to your card to prevent people with bad intentions from cloning your card or quietly copying the information that appears on it.

2.- Do not stop looking at your movements

Regularly check the balance of your bank account to warn the authorities and your own bank sufficiently in advance of any fraudulent or unknown transactions with your card. You must report any irregularity that you see about your account and the use of your card, even if it is only a few cents.

3.- Do not share your data with third parties

Never write down or share with third parties the four-digit secret code of your credit or debit card. Also, keep your key from matching a number that can easily relate to you, such as the year of your birth date.

4.- Hide your code when you mark it

Cover your hand when dialing your secret code while paying with the credit card. You can not imagine how skilled people can become who want to appropriate your password to access your money without you knowing. Remember that prevention is always better than cure.

5.- Number to call

Have on hand the phone number you should call to block your credit card in case of theft, loss or fraud. In a case like this, a handful of minutes can make a difference and save you a great dislike.

6.-Be careful with where you provide your data

Never send banking information to third parties through the Internet. There is an increasingly frequent practice called pishing, which consists of sending emails that impersonate the banks’ identity and feign the appearance of banking institutions to request confidential information from clients. You only need to provide this type of information through the web page of your bank and through web portals with certified security.

7.- Activate the security mechanisms of your bank

Consult your bank to activate the security mechanisms of your credit card when you use it abroad or on the Internet. For example, banks have systems for you to receive a confirmation message on your mobile phone every time you make an online purchase, or to notify you that a payment is being made with your card from abroad.

Learn to sing: some tips for breathing

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Many know it, some people guess it or feel it, working their breath like a runner or swimmer in training is the basis of a firm, coordinated and well-timed voice. Two main actors of breathing for singing are used, alternate and complement one another. The final goal of the exercises is to move from natural breathing to support breathing (appoggio in Italian). Tips for working on your breathing and learning to sing? It’s here and right now!

Thoracic breathing

Instinctive, natural and innate, we live thanks to her and through her: no lungs, no breathing, no life! Whether it is to utter words or sounds, the first step to working your breath for singing is to remove any stressful or noisy atmosphere that prevents relaxation and inner peace. As long as the body and the bust remain contracted, stiffened or poorly positioned, the sound will pass only for essential uses: to speak – more or less well – to express oneself, but in no case to sing with amplitude.

The flow of air expelled by the rib cage comes from a familiarization with his body: as long as we do not feel the urge to breathe deeply , calmly, regularly, in a serene space and that encourages relaxation or relaxation. decompression, nothing is done. As soon as you have found your Paradise Corner, test yourself simply and gently.

Learn to control your breath to better sing

Sitting, cross-legged or kneeling, on a chair or ottoman, take control of your breathing pattern after inhaling or inhaling deeply and without forcing. The position of the chest should always be straight and not too stiff to maintain your air absorption capacity. Little by little, you feel after each inspiration / aspiration, the next one becomes more ample and more developed. Your bust is recovering instinctively, after trial early trial. Prolong the exercise as long as the feeling is done with ease , and increases your air volume. Stop as soon as tension and fatigue hunch your bust and disrupt your breathing. 

Learn to relax

Once perfectly comfortable in your preferred posture, place both hands on your chest, just below your chest, and after gently pressing the time to feel the ebb and flow of your breath, spread them backwards your bust until you feel your shoulders perfectly parallel. Release gently and repeat a dozen times, without seeking effort, but getting to know the muscles that move under your hands. After several days of the same exercise, you instinctively find the right position and your hands barely touch your muscles already sensitized.  

Abdominal breathing

Child or adult, for those who want to develop their breathing for singing , the abdominal breathing advocated and encouraged for centuries as a discipline even more important than the control of thoracic breathing, is today considered the “second brain” of body. Thoracic breathing and abdominal breathing, for singing, are two indispensable accesses for our body to coordinate and coexist, to help each other, to harmoniously and powerfully develop the amount of air you need to channel and control your voice. This supportive breathing is essential to learning singing.

To get to know the capabilities of your abdomen, you need to tame it before looking for control. Just like for chest breathing , look for the comfortable time, position and location that allows you to be in complete relaxation, without the risk of being disturbed by the idea of ​​an urgent appointment in follow-up of the exercise or a noisy environment. The exercise will be done, again, the back straight but sitting posture pleasant as for chest breathing.

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Practice belly breathing

The learning of abdominal breathing involves touching and discovering your diaphragm, just below the ribs. Rotate your palm flat, pressing gently, and moving your hand in a clockwise direction. After several “dial turns” your breathing increases, your abdomen swells and relaxes at a steady pace and soothed by the movements of your palm.

The bust and the head straight, erase the shoulders well, breathe and exhale open mouth very quickly. Before resuming breathing at a more normal pace, put your hands flat on your abdomen from the first breaths of air accumulated at high speed: when the belly is flat to the inspiration and the feeling of swelling during the exhalation – not inspiration – press the abdominal buoy firmly and steadily until it clears from the accumulated air during exercise.

A supportive exercise that needs to be worked on regularly and understood in the opposite way to thoracic breathing where inspiration fills the lungs with air as they empty at expiration.

Some well-understood regular tips to work out your breathing for singing and develop a large and modulated vocal capacity also go through the knowledge of your body and its amazing channeling abilities!

The impact of abdominal breathing on singing

The purpose of abdominal breathing is to obtain a continuous, firm sound in one exhalation. So that the sound, the note or the speech is maintained, these breathing exercises for singing simple but maintained daily at home, allow rapid progress, so well demonstrated and directed during a course of professional singing, for a good practical evolution in solo.

You have optimized your breathing pattern? you get a fully rounded voice that will surprise you with its firmness and stability! Do not look for the Counter-Ut! Only the quality of tessitura account, especially in very soft and low intensity melodies where the accumulated work of thoracic and abdominal breathing will feel then fully.

At what age can my child start music?

To love music is natural, it’s innate. Everyone loves music, from an early age. There are plenty of studies showing that babies respond to all forms of music from the moment of pregnancy. Many future moms say they feel their child move in their belly as soon as they hear music! Babies dance before they know how to walk, usually around 10 or 11 months.

You have also probably heard or read a lot of information about all the benefits of music ! Children who learn music develop their creativity, learn autonomy, perseverance, learn to overcome their shyness, and so on.
It is therefore normal for parents to consider how to cultivate your child’s growing interest in music .

Introducing baby to music: musical awakening

If at 10 months your baby dances when he hears music, or tirelessly beats your pans with a wooden spoon, we’re sorry to tell you that, that does not mean he’s a little Mozart. No need to rush to buy a piano!

On the other hand, to introduce your toddler to the music smoothly, it can be interesting to register it to sessions of musical awakening in group. Incidentally, crèches, day-care centers and kindergartens often bring “musicians involved”, that is to say, professionals of musical initiation to the little ones. From the age of 4, you will be able to enroll it in individual music lessons .

Your children will be invited to listen to music adapted to their age and to react to it with physical exercises: to dance, to clap their hands, to send a balloon in rhythm etc.

They will also discover the joy of singing, but do not expect them to sing right! Their voice is still too fragile. They have the opportunity to discover and touch various instruments such as the xylophone, the maracas, the recorder…

Is my child ready to start music lessons?

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The children are all different, how many times have you heard this sentence? For music, it’s the same thing. As with everything else, you need to listen to your child.

First clue: did your child ever tell you about taking music lessons? If your 8 year old son has been tanning you for years to start the piano, without changing his mind, it is clear that you will have a hard time dissuading him from playing music. Explain to him how his apprenticeship will take place: he will be able to take classes either at the conservatory, music school or in private lessons. His music lessons will be held regularly, usually once a week. Depending on the structure chosen, he may have to attend music theory lessons in addition, or his instrument teacher will teach him music theory at the same time as the instrument. But above all, he must realize that music is a personal work : he will have exercises to work on his side, if possible every day. That said, if he is motivated, it will not hurt to get into it every night after school. Very quickly, he will learn songs, that he will have pleasure to play the evening or the weekend.

However, you probably know that children have a certain ability to change their mind … Do not rush either the first time he tells you to learn the tuba … Discuss with him his project. Ask him why he wants to make music : to do like his friends? To play a piece of guitar that pleases him? Because he fell in love with the accordion? If his interest is very sudden, give him time to mature his project. He must understand that learning music can bring him a lot of joy but that instrumental lessons are also a personal investment, a real responsibility.

Do not forget that a musical instrument is a precious asset, entrusting your child with a clarinet or accordion is a real responsibility: he will have to maintain it, clean it, store it carefully. If you plan to enroll your child in violin lessons at 3 or 4 years old, and you think he will not be able to take care of his instrument, it is certainly too early: offer him a musical awakening. Even later, do not hesitate to stress this point with him because he will have to be aware of it. But soon you will see that he will fall in love with his instrument and it will be difficult for someone else to approach him: musicians are often very possessive with their equipment!

And if he does not speak to me?

Conversely, it is not because he does not tell you that he does not think about it. Some children are shy even towards you. We have a lot of adult beginners who tell us that they never dared to ask their parents cello lessons that made them dream … Maybe your child does not dare to assume his sensitivity, his artistic fiber? Or is he afraid of not getting there? This is true for both boys and girls, especially in pre-adolescence and adolescence.

Maybe he just does not think about music lessons as an extra-curricular activity. According to different studies, it seems that “only” 10 to 15% of students would practice music. Yet those who practice music are delighted and derive benefits that they will use throughout their lives, without necessarily becoming a virtuoso . Do not hesitate to tell him about yourself so that he can explore all the possibilities available to him: sport, music, dance, drawing etc.

Nevertheless, watch out for “projections”! If you have always dreamed of taking piano lessons or learning the violin, but have never had the opportunity, you would certainly be delighted if your child starts. Conversely, if you have played and you keep a wonderful memory, you will be inexhaustible on the happiness that it provides and your child will withdraw some pressure. Remember that if the request does not come from him, he may become discouraged very quickly and you will have trouble convincing him to continue his instrument.

Know that there are adult music lessons: if it’s your dream, why not register for singing lessons or piano lessons? And why not, seeing you blossom into music, your child may be very eager to follow you in this project, you could form a beautiful duet.

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At what age do my child take singing lessons?

Like mathematics, singing is learned, of course, and has rules as fundamental as theorems or geometry, but most importantly, it is not learned alone, but in progress and is considered a good asset. and not a showdown!

Chant: a link of natural sharing and warm socialization

Any parent wishing to give his child the best choice of openness to the world will seek to introduce him to the art of singing – especially choir – from his early years, from 5 to 6 years old, most often with a teacher. particular.

A timid or introverted child who is struggling to express his feelings, or personalities open to engaging sounds that need to be channeled, to take singing lessons to your child ideally between 5 and 7 years is a factor of evolution and ideal social integration to offer him a spontaneous exchange in direct contact with others.

For some parents, and according to the intimate knowledge of the basic tone of his Little Tip – soprano tessitura 1 and 2 for the most part – we will encourage early – but not too much – learning the first basic rules and vocal techniques to help his child to capture the essence of a melody according to the right methods, so that he progresses through his music lessons and feels comfortable, evolves, perfected over the course of months and years.

Emphasize the goal of personal fulfillment

Beware of parents who believe their Toddler predestined to a solo career or scheduled to pass prestigious competitions: Danger! Introducing a child to singing by teaching him the basic vocal technique aims to offer fullness, to awaken a passion, a potential , and to make him appreciate the beneficent feeling of expressing himself by singing. The ambitious parental goal of the “Little King” could be devastating if it is too heavy and intrusive, whether the promise at the back of the throat is present or not! The awakening to the song must be a pledge of well-being, a discovery of oneself , the power of one’s breathing, and a sympathetic vocal competition with other voices: Making Choral takes all its meaning!

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The importance of family support

The environment, the family sphere are important factors to “take the temperature” base of your potential Placido Domingo or your future Callas! Delivered to his own intuition, feeling different or sometimes unaware of his own abilities in an environment where “singing for nothing” is not appropriate, the link with the group will then be a necessary evidence to open the field of silence and push the ditty on stage or for a yes or a no! Others, immersed in the musical atmosphere since birth or in a climate conducive to externalizing feelings and interpretation, will be more easily oriented, spotted, guided.

Listening and careful, repetitive tests of the range, evaluation of the character of the child, of his facilities / difficulties in exploiting his potential – he sings well, right, wrong, at a time when he still struggles with its alphabet? – are essential steps as soon as you enroll in the classical singing class. How, from the first lessons that represent key moments of learning to sing, test and tame this still fragile and pure tessitura to determine the stuff of a soloist – pure white voice – or chorus integral voice?

The choral mind is, from the first years of the child, a powerful asset to balance the pendulum of a voice that can hesitate, break, drift: we then place the child “in columns” between two voices formed and the perfect tone to adjust listening to the ear, encourage him to regulate his singing of himself, perceiving the difference sound that will shock his hearing.

Breathing exercises

Breathing exercises , to channel and rhythm at the right rate, voices that often come out spontaneously at the wrong time or in a disorganized tempo, represent an important function and require a certain method – not always appreciated at the very beginning! – in the development of a better controlled vocal impulse, the acquisition of technique and the child can then feel at the same time stronger – physically – and more at ease – psychologically – to compare himself and himself accord to the voices surrounding it.

7 good reasons to take home classes!

Whether you are beginner or advanced , whatever your level, you can progress with a particular teacher . By registering to take music lessons on Allegro Music, you will access a list of experienced professionals near you , who will come to your home to share their passion and accompany you in your learning. Discover 7 good reasons to go through Allegro Musique for your singing, piano or guitar lessons!

1. A wide choice of musical practices

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Allegro Music is not content to offer you the classical music theory lessons at home , or the private lessons of singing, guitar and piano. From the musical awakening for the youngest to the organ, to the computer-assisted music ( MAO ), the musical analysis and the learning of very diverse instruments (harp, ocarina, etc.), everything is possible!

2. A program adapted to your level and your objectives

Each music course taught by our teachers is adjusted according to the student . True pedagogical advisor, he always ensures that the lessons respect the initial expectations, and proposes alternatives if the satisfaction is not total (to change instrument, method or even professor).

Beginners will be able to learn a new instrument , while the more motivated will have access to personalized support to integrate the conservatory , for example. Our teachers compose with all levels and all ambitions!

3. Home-based music lessons, according to your own constraints

Everyone does not necessarily have the time to move to the music school, or even to respect schedules provided by the teacher. With Allegro Music, you are an actor of your own musical training . You choose the times at which you want to receive the music teacher from your home to practice. You keep the freedom to define the regularity of the appointments, according to your possibilities.

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4. Passionate and experienced music teachers

All the teachers integrated in the Allegro Musique national network , deployed throughout France, have been carefully selected . They are nearly 17,000 music teachers, available in many cities, not only in the largest! After registering on our site, we will identify for you profiles corresponding to what you are looking for (in relation to the instrument you wish to learn or the theme you wish to address). Everything will be done so that you get in touch with a motivated professional, with all the keys to make you progress .

4a. All our advisers are musicians

In parallel, the advisers with whom you talk as part of Allegro Musique are all musicians: they know your problems and know how to give you the best recommendations!

5. Tax-deductible service provision

By involving an Allegro music teacher in your home, you call on a state-approved organization that qualifies for a 50% tax reduction on services. In addition, we offer simple means of payment, which avoids too much administrative procedures (CESU dematerialized, checks, direct debits, etc.).

6. Flexible subscriptions according to your needs

In order to satisfy all the profiles, we offer several different subscriptions: the 12 months formula, giving access to attractive prices , benefits from a first period of 3 months without commitment. We give you time to discover our services before you start! If you wish, you can also choose a free formula without commitment , that you stop at any time. And if you do not have enough availability to project over several months, we also distribute lesson books , which give you total flexibility on the frequency of appointments.

7. Progress at your own pace, without forgetting the pleasure of music

The learning of a musical instrument can be scary, because it requires diligence and a certain rigor . By opting for the support of a home teacher, you give yourself every chance to succeed , thanks to personalized advice and a pedagogical approach tailored to your own needs.

6 habits to learn guitar and improve

These 6 precepts you will follow and a good guitarist you will become

Want to learn guitar or become a better guitarist? To do this, start by reviewing your basics because we do not build anything on wobbly foundations! Here are the 6 habits that all apprentice guitarists should take!

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1- Guitarist, a metronome you will use

To perfect speed and sense of rhythm, the first thing to do is to train yourself with a metronome . This will allow you to play any riff, plan or song at the speed you want. Mastering your tempo is also essential for anyone dreaming one day to record their songs in the studio. Finally, using a metronome is the assurance of having the right rhythm on your favorite song from the beginning and not having to correct a bad gaming habit later.

2- Guitarist, at fixed hours you will train

Consistency is the key to progress. As the morality of the famous fable of La Fontaine has taught us ” There is no point in running, you have to start at the right time “.

It is not by practicing 6 hours today and doing nothing the rest of the week that your training will be effective. Better to spread these 6 hours on the whole week. Idealist? Perhaps ! But it’s important to be able to follow a weekly rehearsal schedule even if an unexpected event will sometimes shake him up.

Keep in mind, that a little bit of work every day is better than a lot of work from time to time.

3- Guitarist, others will listen to you play

Active listening is what makes the difference between a simple string scorer and an excellent guitarist. Those who forget to listen to others tend to overplay and encroach on other musicians in a group .

Also, if you are tired of listening to only your friend Paul, reconnect with your natural curiosity and listen to other styles of music. Be bold! And do not forget to listen actively analyzing different techniques of play , it is a great way to train his musical ear and therefore to play his favorite songs in the ear.

4- Guitarist, others will watch you

Observation goes hand in hand with listening. While hearing others play has its benefits, watching them brings important elements that you would not have noticed otherwise. In our digital age, you can find hundreds of thousands of videos of guitarists playing their tracks in just a few clicks. So do not hesitate to take advantage of this incredible wealth of information!

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5- Guitarist, your weaknesses you will identify and you will challenge yourself

Becoming a good guitarist requires knowing how to criticize your own game, to identify your weaknesses. If an interval or a change of strings is a problem, practice to overcome this difficulty. You must constantly challenge yourself otherwise you risk stagnation for a long time. And even if you will inevitably reach a plateau phase, it is up to you to work to overcome it and progress.

6- Guitarist, a routine you will follow

Sometimes you have to leave aside the creative part to focus on a strictly mechanical approach that will work on the technical aspects of your game. Setting up a routine to work on a daily basis can be a good solution. For example :

  • agreements
  • ranges
  • arpeggios
  • Solo techniques

Become more familiar with the technical aspects will be an asset to compose or just be comfortable on all types of pieces. Practice a little each day and you will progress slowly but surely!

5 mistakes to avoid when teaching guitar to beginners

Do your students tend to progress slowly enough and find it frustrating? Do you feel that your students are not interested in your advice? Do you find it hard to motivate them and sometimes feel uncertain about how you teach and the content of your lessons? These are common problems when teaching novice musicians and especially young children . Giving lessons to apprentice guitarists is often difficult and generates some responsibilities. Find the right method, and they will learn to love the guitar by progressing regularly. Lack of pedagogy, and you will discourage them for sure.

So here are 5 mistakes that are waiting for you as a teacher, and some solutions to avoid them.

Mistake # 1: Using Linear Teaching Methods with Beginners

Most teachers apply a linear and logical method . An approach that does not always work with beginners who will progress very slowly and will end up giving up a lot, frustrated, as their teacher elsewhere. But yet many methods of learning the guitar are designed in this way and there is the problem. This type of method is perfect for a subject that obeys logic perfectly, like mathematics or science, but not for music where the pleasure, improvisation and creation aspect are often forgotten during a classical learning.

If you realize that this does not work on some of your students, do not hesitate to try to apply your own learning techniques and to try to diversify the exercises to make the course more playful and adapted to everyone, which seems to be the most effective. Among these methods, there may be mentioned the so-called “geometric” method.   With this approach, students quickly integrate the skills needed for the guitar from the beginning of their training.

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Mistake # 2: Use the wrong methods from the first class.

Among them we count the musical theory without putting in paratic, the placement of the fingers or the deciphering tablatures or partitions. In short, what a beginner looks for first is the contact with the instrument. It is therefore preferable to alternate theory and practice or to teach theory through practice so as not to tire students. Although the mastery of solfeggio and some theoretical knowledge is very useful, it is not necessary to overwhelm a new student with these topics from the first lessons. Why ? The main reason is that most beginners get bored quickly and lose interest in the theory. Of course, some students will have a good reaction to these teachings, but that will not be the case for everyone.

Some teachers feel irresponsible if they do not get into the thick of it right from the first lessons . However, the first goal should be to give confidence to his student on his abilities and enjoy playing properly. This will save you from making the third mistake.

Mistake # 3: Do not get your students to trust their abilities.

Apprentice guitarists do not know how to play guitar , how guitar lessons are played, and do not know their own skills. They just know if they will be able to learn to play their musical instrument but are not necessarily aware of their potential . Most beginners have the idea that you have to be naturally good at playing the guitar, which is often the cause of discouragement.  

The role of the teacher is primarily to rid them of these doubts as quickly as possible. But encouragement is not always enough. You will need to use methods that will provide your students with tangible evidence of their abilities and make them aware of the need for regular efforts.

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Mistake # 4: Use the same teaching methods with beginners and intermediate or advanced students.

As mentioned above, giving your students confidence should be the main goal of your first lessons. Once done, your teaching will have to be different from the one you bring to more advanced guitarists. For example, they will be more likely to engage in a tedious exercise, without sparing effort, in order to advance their game. Most beginners, meanwhile, will not always understand this. idea, especially if it involves practicing exercise for a long time. This is usually the case for young children or adults for whom guitar lessons are a relaxing time. Your methods will therefore have to adapt to your students. Concentrate on the idea that you are teaching more people than you are teaching music.

Mistake # 5: Give courses without de ned v éritable approach.

Communication with your students is essential. Knowing their tastes in music, their expectations, their objectives will help you to know them and therefore to implement a suitable learning.

This interaction with the student will only be more motivating and will encourage them to express themselves both orally and musically. When you offer them exercises that may seem boring from their point of view, do not hesitate to explain to them the importance of exercise and how it will be beneficial to progress more quickly.

In any case, if a student hangs from the start he will volunteer and practice regularly at home.

The final word

Avoiding these mistakes will have a positive impact for all your students. You will see them progress quickly and with much more enthusiasm. As for your reputation as a teacher, it will only get better!

7 tips to learn the piano faster in adulthood

Learning a new instrument is not easy, especially in adulthood. However, far too many people think that learning the piano is out of their reach simply because they are no longer children. However, no matter how old, anyone can learn piano, here are some tips to achieve it.

Choose a musical style

Jazz, classic, pop? Focusing on the style of music you prefer will be as beneficial as not to get bored, nothing is worse than working a piece you do not like! This will also allow you to find a teacher who specializes in this genre of music.

Find the right teacher

A good teacher will not just make you better, he will show you new ways to learn, practice and develop your skills. When we choose a teacher , we do not just take the cheapest or the closest to home. You have to take the time to know his references and to ask him questions, for example: what are his methods of teaching? Is he used to teaching adults?

Choosing between a piano and a keyboard

Then determine whether you prefer to invest in an acoustic piano or keyboard : both have their advantages and disadvantages . For example, an acoustic piano is usually much more expensive than a keyboard and the sound is not adjustable, which is not very popular in the apartment. Electronic keyboards, although less expensive, lack the characteristic touch of a real piano. However, they can connect headphones or play with sound tracks in the background. Both options are possible, depending on your use.

Become familiar with the notes

Learning to read music is very important when you learn the piano as an adult. If you do not master it yet it’s time to get started! Start with a few notes on each key and gradually increase the difficulty by adding more and more notes. It’s tedious, but essential to progress quickly!

Be patient and confident

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It can be difficult not to criticize yourself when you learn something new. This is particularly the case when you learn the piano as an adult . When you do not move as fast as you would have liked for example. Indeed, learning to play an instrument, especially the piano takes a lot of time. As long as you are aware of it and are patient, everything will be fine. Make sure to notice and rate your successes , even the small ones, so you do not get frustrated throughout the learning process.

Establish training habits

Learning to play an instrument is like going on a diet! You must pay attention to your progress, keep track of your workouts , and maintain a daily work schedule .

With this in mind, it can be very useful to keep a logbook to record exercises, successes and areas for improvement.  

Learn melodies by the ear

Knowing how to play by ear is not essential when playing classical, it is much more when playing jazz. Being able to hear what you are going to play in your head before you play it is the starting point to become good at improvisation!

The final word

Learning the piano when you are an adult can be intimidating. Do not let fear or frustration keep you from enjoying and enjoying your new hobby. Be patient and hardworking and you will make crazy progress!

5 rudimentary steps to learn the piano!

Like many, you may dream of playing the piano, but are held back by the amount of effort you will have to make to get there. Still, if you are really motivated you should not stop at this idea. Because if you do not become Mozart right now, that does not mean that you will not be able to play the songs that you like and have fun playing them! If you follow these 5 steps carefully and you can play your first songs pretty quickly.

Step 1: Know the notes well

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This is the essential step for any musician: knowing the notes and learning to read them on a staff . It is a tedious step that repels many beginners and yet it is the key to independence to be able to decipher any partition. All these symbols will seem strange to you at first, but just like for the alphabet, when the click will be done you will be able to read the notes naturally. Do, Re, Mi, Fa, Sol, La, Si, are the different notes, they are differentiated by their position on the staff. Their position indicates the tone in which you must play them.

Step 2: Getting to know your keyboard

A second important step is to know your instrument. The piano is composed of black keys and white keys. Blacks are used to play sharps (#) and flats (b) . On a keyboard, they are in groups of 2 and 3. A group of 5 black keys (1 group of 2 and 1 group of 3) and adjoining white keys is a range from Do (the white key on the left of the group 2 black keys) to get to Si.

Discover how to work the independence of both hands.

Step 3: Train to chain notes

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Start by playing Do – Re – Mi up and down until you are comfortable with the keys. Then do the same with Fa – Sol – La – Si. Do not hesitate to test different sequences to bring fluidity to the movements of your fingers on the keyboard.

Step 4: the durations of notes

Each note you read tells you how long you have to press the key . The most common are:

  • The round: it lasts 4 times.
  • The white: it lasts 2 times.
  • The black: it lasts 1 time
  • The eighth note: it lasts ½ time

In particular, it is these durations of different notes that make it possible to give rhythm to a piece, to make it more dynamic.

Step 5: Start with easy pieces

Now that you know how to decipher a score and know how to find the notes on the keyboard, it’s time to stretch your fingers on a song. For starters, for example, you can start on ” In the moonlight “. To be more comfortable, start by playing the song with both hands separately: the right hand for the melody then the left hand for accompaniment . When you are perfectly comfortable with both hands, play the two parts together. Getting your hands coordinated will be difficult at first, but working hard will make it easy! As you can tackle slightly more complex pieces to learn to master the chords, the other scales that that of C major and of course the different rhythms, ternary and binary.

The final word

As the famous saying ” There is no point in running, you have to start at the right time ” and it’s all the more true for the piano. Start with simple pieces such as the rhymes of your childhood for example, then progressively move to more ambitious songs as your technique progresses. Feel free to go through methods for beginners like the famous Rose Method for example, which will make you progress step by step.