Roland Vamos and Almita Vamos : Radio Show’s 2019 “Teachers’ Lifetime Achievement Award”: Prepare for Your First Day of the School Year: Madeline’s Monthly Article & Musical Tips Blog for August 2019

Our blog/article and Radio Show features our Radio Show’s 2019 “Teachers’ Lifetime Achievement Award” winners, esteemed teaching couple, Roland Vamos and Almita Vamos.  Also included are the Wong’s lessons on “Procedures”, Dr. Frank’s, “10 Creative Ways to Inspire Students & Curb Teachers Burn Out!” and Mrs. I, a fourth-grade teacher shares how she prepared for her first day of the new school year.”

The beginning of the new school year is a new opportunity for students to begin studying a musical instrument. Studying a musical instrument teaches students to concentrate, be focused, be discipline, gives them self-esteem, teaches cooperation and working with others. Many of the world’s teachers, scientists, medical doctors, dentists, CPAs, mathematicians and others have studied and played musical instruments since they were children. These eminent individuals have integrated music into their thinking process. Music is a powerful tool for motivating, inspiring, educating and soothing pain. Our article of the month is “Budgeting Your Way to Success” by Madeline Frank, Ph.D. This article is the fourth of four articles teaching you , to take hold of your finances.

Our Radio Show’s 2019 “Teachers’ Lifetime Achievement Award” winners are Roland Vamos and Almita Vamos. Feature Question for August 2019: Can you share with us your approach for teaching and motivating your students?

https://www.madelinefrankviola.com/one-minute-radio-show-2019/

The esteemed teaching couple, Roland Vamos and Almita Vamos are our Radio Show’s 2019 “Teachers’ Lifetime Achievement Award” winners. They are award winning teachers, concert violinists and violist, chamber musicians, spouses, the parents of 3 children, and 7 grandchildren. Their children and grandchildren are musicians too. Two of their children are also teachers. The Vamos’, have motivated and inspired over 5 generations of students to have successful futures as excellent performers, teachers, and thinkers.

Roland and Almita Vamos said they are “passionate about their children and grandchildren, their students and teaching!  They like to travel, vacation withfamily, and love being alive and working and having close friends and family.  And hearing from former students like yourself.”

When I was a student at the Juilliard School, earning my Bachelor’s degree, I met Roland Vamos, who was working on his doctorate degree and his wife Almita Vamos.  We were studying with William Lincer. Mr. Lincer thought so highly of Roland, that he sent me to study with Roland that summer while the three of us had a job playing in an orchestra in upstate New York. That was the beginning of our friendship of over 40 years.

Almita Vamos’s Early Years:

“Almita was born in New York and raised in Elizabeth, N.J.  (Where Alexander Hamilton lived and Yehudi Menuhin for a short time before she lived there.)”

She says, “My father’s name was Samuel Hyman and my mother’s name was Rose Krell Hyman.  My father was a jeweler by trade. My parents made sure that all their children played an instrument and had lessons even during the depression period.  They did not play themselves but maybe because of their Russian-Jewish heritage they had a great love for music.”

Dr. Frank: “Do you have siblings and do they play musical instruments and

do they perform and teach too?” 

Mrs. Vamos: “My older sister was a very fine pianist and studied at Juilliard with James Friskin. My sister who is two and a half years older than me is a wonderful pianist.  She studied with Nadia Reisenberg and Carlo Zecchi in Italy when she was on a Fulbright Scholarship.  I played with both my sisters and still perform with Eugenia.  My older sister Beatrice Allen died at age 97 and can be seen on YouTube playing a Bach fugue, days before her death.  My oldest sister taught at Juilliard Prep School and in Bethlehem Pa.  Eugenia taught at Mannes College where she had been a student.”

Dr. Frank: “At what age did you begin studying and what grade were you in?”

Mrs. Vamos: “I started violin at age 5 with a wonderful teacher down the block.  Her name was Betty Poles.  I studied with Vladimir Graffman and then with Misha Mishakoff until I was twelve and then with Louis Persinger after Mr. Mischakoff left New York.  All my teachers were inspiring and good.  I was lucky.”

Madeline Frank: “Where did you attend college and graduate school?”  

Mrs. Vamos: “I attended Juilliard prep school and then the College, where I received a Bachelor of Science degree. I received my Master Degree from Western Illinois University where my husband was teaching and conducting the orchestra.”

Madeline: “What are the ages of your students and where have you taught?”

Mrs. Vamos: “I teach at the Music Academy of the Music Institute of Chicago where my students age from 10 to 19.  I teach at Roosevelt University where my students age from 17 to 24 and one incoming student who is 65.  A retired Radiologist who previously studied with David Nadien.  He is one of my most interesting students.Roland and I teach at Bowdoin Summer Music festival and I teach at Chautauqua and at Aspen in the summer. “

Dr.  Frank:  “What was your most memorable concert?”

Mrs. Vamos: “My most memorable concert was seeing Heifetz play at the Griffith Auditorium in New Jersey.  I was only five and I did not understand too much but he started with the Vitali Chaconne.  I already knew he was a great violinist.  I did go back stage and got his autograph but I lost it soon after as we moved many times since then.  But I remember he was very austere and not too friendly.  When my mother told him, I studied violin he did not even nod. But I love his playing.”

Dr.  Frank: “Where were you born, where did you live, and what are your parents’ names?

Dr. Vamos, “I was born and raised in New York.  I lived in Manhattan and in the Bronx.  My mother’s name was Bertha Spitzer Vamos and my father’s name was Julius Vamos.

“My father liked the violin and tried to play some gypsy violin.  He would take me to concerts in the Hungarian section of NY.  He gave me the violin to learn after my older brother rejected it.  He saw to it that I practiced every day and came to my lessons.  He was rather strict.  When I finished practicing four hours he would tell me I had to practice two more hours.  I would say” but I already did my four hours” and he would respond,” You call those last two hours practicing?” He searched to find me the best teachers.”

“I started studying the violin when I was about ten and was playing Lalo Symphony Espagnole pretty well when I was twelve.  It was not hard for me at the beginning. “

Dr. Frank: “Where did you attend college and graduate school and what jobs did you have along the way?”

Dr. Vamos:“After graduating Music and Art High School. I had to earn a living, as my father died when I was fourteen.  I played in the Houston Symphony and Denver Symphony.  I went to Miami University in Coral Gables for a very short time and then joined the Army Band.  After I finished my term in the band a friend urged me to go to Juilliard.  He called Oscar Shumsky and handed the phone to me.  I asked him for an audition and he accepted me as a student.  After getting my Bachelor’s degree at Juilliard I got my Master Degree there with Mr. Shumsky.”

“Then I joined the Radio City Music Hall orchestra.  The work was monotonous and I wanted to vary it so I went to Columbia Teacher’s College while I worked there and got a Master degree in Education so I could teach part time in the public schools. Later when my wife taught at Ohio State University I did the course work for a PhD in musicology but decided I preferred to perform rather than write a book so I went back to Juilliard and studied with William Lincer and got my Doctorate in Music Performance at Juilliard.  Since I was already forty, the Dean of Admissions was not agreeable to let me enroll, but Dorothy Delay, whom I never studied with, generously took it on her own to fight for me.  I am very indebted to her as she was very supportive of my wife and myself even though we never studied with her.  We did end up sending her some very talented students.  In my opinion she was a very nice person.”

Dr. Frank: “What are the ages of your students?”

Dr. Vamos:“I never really am concerned with age.  I’ll teach anyone who is serious and eager to get better if they have already had some training.  I don’t start students but I teach different levels.  If there is a great desire to learn, that is my main criteria.   It has paid off.  Some of these students are playing all over the world in top orchestras.  They did not all start off as exceptional.  But they worked very hard and were committed.  If they do not show the commitment, I try to inspire them and push them a little.  If they still are not inspired they will leave on their own.  I don’t throw students out.  I believe there is potential in all young people and you have to find the right path to help them find their way.  They say I am a very patient man.  I don’t know.  It’s just the way I am.”

Dr. Frank: “What are the most memorable concerts you attended?”

Dr. Vamos: “The most memorable concerts attended were: Jasha Heifetz, Misha Elman,  David Oistrakh, Oscar Shumsky and other of the old timers.  they stand out but I’ve heard some amazing solo concerts and orchestras and cannot choose a favorite.”

Dr. Frank:“How long have you been team teaching together?”

Mrs. Vamos : “We have been team teaching since we were married.  Our first effort was with my nephew.  I would get frustrated with him and Roland would come in and take over.  He was always so gentle and kind.  I am usually gentle and kind.  Sometimes I show a little exasperation but Roland never shows any frustration.  He is a little like Suzuki that way. At the beginning of our team teaching, I would teach repertoire and Roland would take the students through a technical regime.  Then after I exhausted my musical knowledge I would send the student to do repertoire with him so we covered everything that we could.”

Dr. Vamos: “As my wife wrote, I started teaching privately interceding when she taught her nephew.  He is a very successful Doctor at Children’s Hospital in Philadelphia.  I call him my biggest success!!  My first major teaching career was at Antioch College in 1964 and then I taught at Eastern Kentucky University and then I became the Viola teacher and Conductor at Western Illinois University for fourteen years.  We raised our children in Macomb and those were some of our best years.  I developed an amazing University Orchestra considering that we were in an isolated community.  I did this with the help of an excellent faculty including members of the Wind Quintet and Tanya Carey, the cello teacher who taught my son Brandon and Eric Kim, (Both professors at Indiana University) and with the help of my wife.  We had an amazing pool of talent at this unknown Music School and I consider it a highlight of my teaching career.  After we left Macomb my wife and I taught at Minnesota University and then at Oberlin for fourteen years.  Oberlin is a fantastic school and we had an amazing class of students.  When we were offered the job at Northwestern University we took it because two of our children, lived in Chicago and we also traveled weekly to Chicago to teach at the Music Institute. We have been teaching there for forty years.  We left Northwestern to teach at Roosevelt University.  This is a marvelous school in downtown Chicago.  It is a school that is building and growing every year.  We got an apartment downtown and commute between our condo in Evanston where my wife and I teach three and a half days a week and downtown three and a half days a week.  That does add up to seven days.”

Dr. Frank:What honors and awards have you received?”

Mrs. Vamos :“My husband and I received seven Presidential Awards for expertise in teaching.  We received the American String Teachers Association award, Ohio Strings Teachers Association Award, The Richard Colburn Award for teaching Excellence, and the Ars Viva award.”

Dr. Vamos:  “My wife and I have received a number of honors and awards.  They are fun to get.  But the best honor is the personal award when one of our students is awarded and honor.”

Dr. Frank: “How long have you been married?”

Mrs. Vamos:“Roland and I will celebrate our 60th wedding anniversary Jan 31, 2020.  We were married in Newark N.J.  It seems like yesterday. We are both enjoying life and teaching and still laughing a lot.”

Dr. Vamos: “I met my wife at a Chinese restaurant when we both gathered there with a group of students.  My wife’s fortune cookie which she read out loud said “Her fate was waiting outside the door.”   I jumped to be out the door before her.  “Ta Ta , I said.  I am your fate.”  So, we had to get married.  We take fortune cookies seriously ever since.”

Dr. Frank, “What Chamber music groups have you played in as a team and separately?”

Mrs. Vamos:“I played in chamber music groups with my husband.  Our first serious group was the Antioch Quartet where my husband taught at Antioch College.  We played in the Columbus Symphony String Quartet.  I was the violinist in the Lydian String Trio for 14 years. I have played chamber music with many different groups but those were the most long-standing groups.  Others were single concerts.  I play with members of the faculty at Roosevelt University and enjoy that very much.”

Dr. Vamos, “I was a member of the Morningside Trio, The Contemporary String Quartet, the Antioch Quartet, The Columbus Symphony Quartet, the Lydian Trio, The Altimira Trio and I play in chamber groups with faculty and other musicians.  I love chamber music and coached it for years.”

Dr. Frank, “Dr. Vamos, have you conducted the student orchestras at the universities you have taught at?” 

Dr. Vamos, “I conducted at the University of Eastern Kentucky and Western Illinois.  I did a few operas at Minnesota University.  I conducted the American Chamber Orchestra at the Music Institute of Chicago for about thirty years.  I did some guest conducting in Europe and China.”

Dr. Frank, “Do you work with your students on the orchestral literature?”

Dr. Vamos: “I do work with students on orchestral literature.  When they are auditioning for orchestras, I work with them on the excerpts.  Then I encourage them to play for orchestra members, especially if they will audition for a certain orchestra.  Every orchestra is looking for something a little different.  Some are looking for perfection, others for the passion and perfection.  I think nowadays there are so many fine players that you have to be a perfectionist to succeed.”

Dr. Frank: “What is your philosophy on life?”

Dr. Roland Vamos: “My philosophy on life is to follow your instincts both in general living and in music.  I first think about how I feel when playing and then I think of a musicological reason why it is correct.  If I cannot reason it out, then I trust that I must work on my instincts.  Intelligence and instinct are necessary in order to be a real musician.  I believe I can help students find their instincts.  I encourage them to feel and then to try to understand where the composer is coming from. What hints are given by the composer and how do you respond? We cannot play by instinct alone.  The great composers had great instincts and are usually correct.  How we interpret their instincts can be very varied.  Music is a wonderful challenging art.  There is not always a right and wrong.  But we all hear things differently.  We also change our musical concepts as we mature.  For better or worse.”

“Anything that you do that is challenging will increase your abilities.  If you stop using your brain you will not develop it.  That is why my mother-in – law attendedcollege at the age of 80.  She said I exercise my body, I must exercise my brain.  She was a great student.  The teacher’s pet.”

Dr. Frank: What is your approach for teaching?

Almita Vamos: “I would say my approach to teaching is to try to figure out everything I can to make the student improve.  It could be posture, technique relaxation, musical, performance practice.  I don’t start out with a set idea but bounce off what I feel the student needs at the moment.  I try to incorporate encouragement even when I am critical and tough.  Because I am very detailed, my students tell me they have to concentrate during their lessons more than at any other time.  I don’t let up.  Of course, sometimes I do if I sense the student is getting very frustrated.  I am working on that now.  Trying to second guess how the student is feeling at the moment.  I love the fact that teaching like performing is an ever-learning process. You can’t perfect it.  You can only keep improving.  It is a challenge and that is what makes it continuously interesting.  When I lose the desire to get better I will quit.  (May that never happen.)”

 Dr. Frank: “Do your children and grandchildren play musical instruments, perform concerts, and teach too?”

Mrs. Vamos: “Our three sons all played musical instruments.  Our oldest son, Seth, played the violin and although he did not continue in College he still helps his children by listening to them and offering suggestions and taking them to all their lessons.  He is very helpful.  Our second son Brandon is a cellist with the Pacifica Quartet.  His group is in residence at the University of Indiana in Bloomington Indiana and they perform worldwide.  They have received many awards including a Grammy in the Chamber Music category.  Our youngest son is a guitarist and educator.  He teaches general music in New Rochelle public school, Writes and performs educational shows at Lincoln Center for Young Audiences, writes music for guitar and violin and guitar duos which he performs with his wife Nurit Pacht.  She is a wonderful violinist who studied with me on and off in the summers when she was a young girl.  Brandon’s wife, Simin Ganatra is in the Pacifica quartet also. Both my daughters-in-law teach violin. Simin was my student in Minnesotaand at the Oberlin Conservatory. Our oldest daughter-in-law studied piano when she was young, but practiced law since.   We have seven grandchildren.  Four play the violin, one the viola, one guitar, one voice and additionally the harp. They are still young and we don’t know if they will continue to pursue music as a career but we are not a soundless family.”

Dr. Frank:Thank you Almita and Roland Vamos forbeing our Radio Show’s 2019 “Teachers’ Lifetime Achievement Award” winners and forinspiring, motivating, and encouraging over five generations of students to have successful futures as excellent performers, teachers, and thinkers.

 Drs. Harry & Rosemary Wong’s “First Day Of School Scripts”:  

https://www.teachers.net/wong/JUN00/

 

“Middle School Script”:

http://teachers.net/wong/FEB02/

 

“High School Script”:

http://teachers.net/wong/MAR03/page_2.html

 

Dr. Harry Wong says, “The very first day, the very first minute, the very first second of school, teachers should begin to structure and organize their classrooms, to establish procedures and routines.”

Dr. Rosemary Wong was asked to “give an example of what you mean by procedures?” She responded, “if you could close your eyes and say to yourself, “This is something I’d like to have happen in my classroom,”…. then you need to come up with a procedure for it. ..You need to teach the procedure, and there are three basic steps to doing that. The first is to explain it. The second step is rehearsing it, physically going through the procedure and making corrections as needed. And the third is reinforcing it, which you can do by acknowledging that the procedure is being carried out correctly.” Remember to teach all “three steps”.

The Wong’s said, “Classroom procedures should cover every second of the school day including what students are to do as they enter the classroom, how they are to be dismissed, and how they are to label and turn in their homework.”

Drs. Harry and Rosemary Wong said they “start by greeting your students at the classroom door each day. Choose one of the “three H’s” every morning: a handshake, high-five or hug.” Have “bell work” or short assignments posted on the board prior to the start of each day. Bell work, even if it’s something simple as silent reading gets students into work mode right away. Posting a daily agenda every day in the same place every day, eliminating questions.”

What procedure do the Wong’s use to quiet their classes?

In their book the technique is called ‘Give Me Five’. “1) Eyes on Speaker, 2) Quiet, 3) Be still, 4) Hands free, 5) Listen. In five seconds, the class is quiet.”

Dr. Frank’s, “10 Creative Ways to Inspire Students & Curb Teachers Burn Out!”

  • 1) Effective teachers and administrators agree to have“an assignment on the board” for students to start on the second they walk into the new classroom.

“A well-planned lesson eliminates 90% of discipline problems.”–

“Before your first day of school have your “First Day of School Script” ready with the “Procedures” you will use for your class and implement them by rehearsing your class until all the students know your procedures and understand them.

*For example: What is your procedure for students having a cell phone in class?   -In your “Procedures” include Mrs. Hamilton’s definition of “Character”. “Character is knowing the right thing to do, doing the right thing even when no one is watching, and taking the consequences for what you do. The first step to develop character from the First Day of School is to teach that definition, and challenge students to build walls of character around themselves in the weeks ahead.”

  • Remember to decide your procedures and teach them to your class on the first day of school.Harry K. Wong and Dr. Rosemary Wong’s book “The First Days of School: How to be an Effective Teacher” is a must read for all teachers’.

Have your smile in place, your student’s seat assignments ready, and your first assignment on the board for the students to get started immediately after sitting down and have your classical music, Mozart Symphony or string music by Baroque composer J. S. Bach (slow movement with strings) on in the background of your classroom.

School starts the first minute the students enter for the new school year. Be prepared! Start preparing and rehearsing this summer. Remember students need to feel safe and secure! They need procedures.

2) Before the first day of school decide how you are to dress for success in bright colors to get your students attention. Remember first impressions are the most important.

3) Do you remember the middle school and high school Chemistry and Math teachers playing Classical Mozart Symphonies in the background of their classes and how much better behaved and smarter the students became? Well you can do this too! Put on your Classical music and help your students get smarter, work faster, and calmer.

4) Don’t just lecture tell a story. Make the material visual. Be creative by becoming a teaching artist! Example: Dr. Madeline Frank’s “Musical Notes On Math”, teaching fractions and decimals to children in K-5 through the rhythm of music, Winner of the Parent-to-Parent Adding Wisdom Award newly updated kindle edition  https://www.madelinefrankviola.com/musical-notes-on-math

 

5)  Make your course come alive. Make it fun to learn. Remember that Alicia Keys and Dr. Condoleezza Rice both studied the piano learning Classical music and skipping grades in high school. They were both at the top of their high school classes all through school because they played Classical music every day. Playing Classical music made them smarter! Dr. Albert Einstein was able to win his Noble Peace Prize and make his scientific discoveries by playing Classical music on his violin or piano every day. Dr. Judith Resnik astronaut and electrical engineer made perfect scores on her SAT’s through playing her Classical piano music every day for one hour. Louis Armstrong learned Classical music on his cornet at age 13 and his life was changed forever! Your students can be smarter too by playing Classical music every day!

6) Involve your students in your course by posing a problem and helping them solve it! Make them into detectives. (Sherlock Holmes and his side kick Dr. Watson) Help your students work cooperatively. (In a musical String Quartet, members work together cooperatively with set goals and without violence.) Put on your Classical music to help your students concentrate better. Mark Reimer & Mrs. Adlyn Reimer said to “Set the tone from the beginning—your class/rehearsal style is fun, informative, and fast moving, and everyone there is important to you.”

7)  Help your students gain self-esteem and self-worth by showing them kindness & patience.

8) Romayne Leader Frank, Mother, friend, Family Advocate, teacher, & Lawyer, always said, “Every child has one gift.” Find that gift and accentuate it!

9) Dr. Frank’s favorite saying is “every student is a gem in the raw.” Start with that thought and work with your students. Believe that each of your students, on the first day of school, wants to learn your course and desires to learn.

10)  Does anyone here like to work? No, then make it fun to learn. Put on your Classical music or Baroque music string music! © 2019 Madeline Frank

Remember on your First Day To: 

Have your Classical music/ Mozart Symphonies on your CD or iPod before your students enter your class to improve their concentration, for them to stay focused, relaxed, work faster, and remember more. On your first day of school have your “First Day of School Script” ready and rehearsed. “Have your “bell work” or short assignments posted on the board prior to the start of each day and post a daily agenda every day in the same place.” Be prepared! Have a smile on your face and put your best foot forward!

Students: Classical music has the power to organize the brain while listening to it as background music while you are doing your homework, to help you relax after a hard day of work or while doing exercises. Begin listening or playing your musical instrument for 30 minutes at a time. It helps because of its highly developed mathematics, complex rhythm, and therefore exercises the brain as physical exercise exercises the body.

Mrs. I, a fourth-grade teacher, lists below how she used Dr. Frank’s creative tips from “The Teacher’s 11 Secrets to Success” and “10 Secrets to Stop Students Boredom, Inspire Them & Make Them Smarter” during her August-December public school classes.”

1) Mrs. I began preparing for her new students, a month before the semester began, by studying their files, to more effectively deal with their problems.

2) On the very first day of school, students were informed about procedures and practiced them.

3) Mrs. I dressed appropriately and at times dressed to reflect the theme of the lesson or story.

4) Mrs. I prepared daily so that time was spent on learning activities and not preparation during school time.

5) She encourages her students to do well and gives examples that students can relate to of why it is important to do well and stay in school.

6) Students know that Mrs. I take’s an interest in them and tries to see the good in each student and looks for positive things to say about her students.

7) Classical music is played. This helps students quiet down, stay calm, and focus more on their work with fewer distractions. They really enjoy the Classical music and ask for it.

8) Students are spoken to in private, concerning behavioral issues and are not embarrassed in front of other students.

9) Cooperative learning groups and differentiation are used in the classroom. Students get to be a part of completing tasks successfully as a group in a fun but challenging atmosphere.

10) Articulation, inflection, and timing are encouraged when reading and when learning key phrases and clues.

Mrs. I says, “That by using Dr. Frank’s tips, a classroom environment is created where students want to come to school. They enjoy learning, and every child finds a measure of success.”

 

“Budgeting Your Way to Success” by Madeline Frank, Ph.D., DTM

Forbes magazine said, “78% of workers live paycheck to paycheck”.

Several of my university students have told me “their finances are a mess and their mortgage loans on their cars and houses are too high. They felt overwhelmed by their finances.”   I shared with them my Momma’s wisdom of budgeting and banking for their success.

You have overdrawn your bank account for the third time. Your rent check has bounced, your power bill check has bounced, your monthly insurance payment has bounced and your car has just broken down. Your bank has charged a transaction fee of $35 per bounced check. This is the fastest way to double what you actually owe by adding all of these extra charges.

My Momma, Romayne Leader Frank, a lawyer and counselor, taught her clients and me how to budget our money. During my high school years Momma taught me to make a budget of my expenses, to keep a ledger of the money going into the bank and the money to be paid out for expenses. She also taught me to put my entire paycheck, after taxes were deducted from the pay check, in the bank. Then I would pay all my bills and take out only the necessary amount for food and necessities. The remaining money went into my savings account. As a college student in New York City, I always had a job to help me pay for tuition, apartment rent, utilities, and food.

So, let’s get started and think this out together. You want everything in your budget. Whether it’s your personal or business finances, you have to have a plan in place for your success and you need to learn to budget your money.

What are the eight questions you need to answer to build your budget?

  1. Are you withholding enough money from your wages to pay for taxes?
  2. How much money do you earn each month after taxes?
  3. How much is your rent or mortgage payment each month?

4) How much is your power bill, gas bill, water bill, sewer bill, telephone, cell phone and insurance for your apt/house, self and for the car each month?

  1. How much does it cost to put gas in the car each week to go from home to work and then return home? Multiply the total amount by 4.
  2. How much does it cost in groceries each week? Multiply the total amount by 4.
  3. How much will it cost for entertainment and new clothes per week? Multiply the total amount by 4.
  4. Are you budgeting for unforeseen consequences such as family emergencies, loses not covered by insurance, emergency travel and other events? Include an amount per week and multiply by 4.

All your expenses need to be included in your budget. Once you have written down your total amounts for your bills/expenses per month you subtract them from your monthly pay check that you will be receiving after taxes. The amount that is left is the beginning of your rainy-day fund to invest for your future to eventually buy a car or a house.

The concept is to spend only what you have and to stay on budget. You cannot buy frivolous things that you do not need and cannot afford. You have to stay within your budget.

By having your budget in place, you will know exactly how much money you have left over every month to begin saving for your future.

Remember you cannot spend what you do not have.

By following these steps and learning how to budget your money, you will be budgeting your way to success. © 2019 Madeline Frank

This is our fourth article on teaching you, to take hold of your finances.

If you need a speaker contact Madeline at: mfrankviola@gmail.com

 

“The Secret of Teaching Science & Math Through Music” by Madeline Frank, Ph.D. is available in book form, and newly updated as an e-book on Kindle, Nook, or iBook:

com(Kindle)

Barnes and Noble(Nook)

iTunes

https://www.madelinefrankviola.com/the-secret-of-teaching-science-and-math-through-music/

 

“Musical Notes On Math” by Dr. Madeline Frank teaches your child fractions and decimals, the fun easy way, through the rhythm of music, Winner of the Parent To Parent Adding Wisdom Award is available in book form, newly updated as an e-book on Kindle, Nook, or iBook.

com(Kindle)

Barnes and Noble(Nook)

iTunes

Tips on how to use “Musical Notes On Math” 

https://www.madelinefrankviola.com/musical-notes-on-math/

 

 Madeline’s Midnight Melodies- Music From around the World”. This CD complements her books with a blend of dance music, gigues, tangos, ballet and favorites including “Danny Boy”, Puccini’s “O Mio Babbino Caro”, Debussy’s “Claire De Lune” and others. “Madeline’s Midnight Melodies” is music to relax by and to move by for music therapy.  “Madeline’s Midnight Melodies” CD is now available for purchase by downloading a song, downloading the album, or by CD by clicking below:

Download Your Copy Today!

Amazon | iTunes | CD Baby

Dr. Madeline Frank’s book “Leadership on a Shoestring Budget” is available through amazon. To order your copy of “Leadership On A Shoestring Budget”  as an e-book on Kindle click on the following link:

http://goo.gl/lrJTx

 

Wishing you and your family a happy August from your Non-Invasive Medicine…Music Expert, Madeline

For over 30 years, Dr. Madeline Frank has helped children and adults overcome problems through Classical music. Madeline Frank, Ph.D., DTM is an award-winning teacher, author, researcher, speaker, conductor, and concert artist. She has found a scientific link between studying and/or listening to musical instruments and academic and societal success. Madeline Frank earned her Bachelor and Master’s degree from the Juilliard School of Music. Her education has included scholarships at the Juilliard School, Indiana University, and the University of Cincinnati and she has a violin performance diploma from the North Carolina School of the Arts. (C) 2019 Madeline Frank.

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