The AAPHI Blog

Why you should Rent a place to live in and Buy a place for Investment - Did you know that in your Bank’s Accounts “Your House” is placed in “Their Asset Book.” That means that the house you own and live in, is a “Liability.”

From the desk of Colm Dillon …

Hello Colm here …

Countless articles have been written over the years on the wealth ‘make up’ of the richest people. While the percentage may vary depending on the individuals leaning, the real estate proportion will vary between 20% to 35%.

Here’s a thought for the day; It’s the basis of this report; It’s one of the Tools you should use to create Wealth; so think about it before moving on!

I want you to keep that thought in your ‘open mind’ as you grapple with this new concept. I write these articles to make you THINK and that can sometimes make you uncomfortable.

Here goes!

It’s Hard to Justify Borrowing Money To Buy A “HOME.”

Sorry, but it’s economically very difficult, in wealth development terms, to justify buying real estate for you to live in, if you have to borrow money to do it, unless you put a massive monetary value on your emotions.

Please understand my purpose in writing this report and associating it to a site about real estate development.

A lot of us have to be financially smart to be able to accumulate enough capital to do our first development … so this is for those people … but maybe there are a few ideas in it for the rest of us as well … so read on.

This wealth development concept, based on renting, was given to me many years ago by one of the most interesting and provocative speakers on economics I have ever heard.

He’s name is Phil Ruthven and he created a company, Ibis International, an economic analysis and forecasting company. Phil also writes for the Financial Review and is in high demand as a speaker on economics.

By any reasonably observation, Phil is successful; both professionally and financially and so can buy a home, if and when he wants.

He doesn’t, he chooses to rent and his reasoning goes something like this.

“When I started life as an adult,” he said, “I was a ’single person’ and my single status defined my real estate accommodation needs.

Later I became a ‘twosome’ and my real estate housing needs changed for the first of many changes.

When the twosome became threesome or foursome, by definition, our housing needs changed yet again.

Later in life, when kids grow up I will become a twosome again.”

Now Phil contends that on top of our family profile changing, our work situation also changes; maybe a move interstate, which further complicates this equation.

In a scenario like this every time real estate is bought or sold and not rented, there are Stamp Duty, Legal Fees and agents Commission to be paid PLUS the costs you expended on decorating each home.

Add it up! You are talking about ‘many’ tens of thousands of dollars paid by you as a direct result of the choice you made to Buy Real Estate To Live In out of your net after Tax Income.

So Phil told his audience, “he has rented his real estate accommodation for more years than he cares to remember.”

“Renting,” he continued, “allows me to change my place of residence, at the lowest cost, having regard to my family’s changing needs.”

He further improves the deal by pre-paying his rent, sometimes for a number of years, and getting a handsome discount from the landlord. When his needs or mood changes again, he just moves on and repeats the process.

“But what about all that lost rent he had to pay?” I hear you say, “that surely reduces your wealth development.”

And I say, “what about all that interest you pay on your non tax deductible home loan?”

Understand ‘Rent and Interest’ are money that comes out of your ‘net after tax’ pocket, we just call them different names; that’s all!

In Phil’s case he has clearly segmented his personal real estate accommodation, as rental, from his real estate investment ownership accommodation, maximizing the benefits of the wealth growth tools and enhancing his wealth development with little interruption to his lifestyle.

The Real Estate Development Coach

Author of “Residential Development Made Easy”

Colm Dillon author of “Residential Development
Made Easy“ the only
‘How To’ Become a Developer eBook, selling in 38 Countries,
has developed $1.2 Billion worth of real estate - read more
on his web site http://realestatedevelopmentcoach.com/re
alestatedevelopment.html

Buying vs renting property - which is better? Looking for
property in Singapore? Still deep in thoughts about whether
buying or renting is the better option? Here are some points
that you could consider in your decision-making process.
Hopefully, it will help you will to select the option that is
suitable to your needs.

Do you have sufficient initial capital?

When you make a property purchase, your initial capital outlay
is 10% (out of which 5% can be from your CPF and the remaining
5% is to be in cash). For renting purposes, you would typically
be looking at somewhere between 1 to 3 months rental value for
the security deposit (depending on lease terms and the
landlord’s requirements).

Tax and depreciation shelter

Property buyers enjoy tax and depreciation shelter whereas
tenants do not. If a loan was taken up for the purchase, the
interest component (being an expense item) reduces the taxable
income.

Looking at it from an investment point of view

It has been well documented that there is strong correlation
between real estate growth and the country’s economy. If the GDP
is expected to rise significantly in the mid to long term, it
would be quite likely that home prices follow suit and this will
give home buyers potential on getting good returns for their
investments whereas tenants do not enjoy any returns on the
rental paid out.

Using real estate as a inflation-hedging tool

Real estate has often been used as a hedge against inflation -
the effects are transferred onto the tenants through rental
increments. Inflation will work against the tenants when the
market rises, landlords will increase rents during lease
renewals and this becomes additional cost to the tenants.

If you are looking to create a personal or business website,
this is a great starting place! In this article, I’ll go over
some of the basics of what you need to do to start a website,
and then show you where you can find a website design tool,
hosting, and a domain.

The first thing you’ll need is a domain (a domain is simply a
website address like www.mydomainrules.com), and a place to host
your domain. Web hosting could be defined as a place where you
rent space on someone’s server so that others can view it on the
web. You can get both web hosting and a domain at a very low
cost (about $10 a month) through Yahoo, which also offers a free
website builder and email address for your domain. Here is a
link to their website:

Click
Here To Visit Yahoo’s Website

Choosing a domain name can be a challenge, however, because lots
of domain names have already been taken. If the domain you want
has been taken, you can try using dashes (-)or periods (.) to
connect phrases. For example, if www.mydomainrules.com is
already taken, try using www.my-domain-rules.com. If they are
both taken, try something a different ending like “.net” or
.info”, such as www.my-domain-rules.net or
www.my.website.rules.info.

Once you have your domain and web hosting set up, you are ready
to build your site. You can use Yahoo’s site builder to build
one from scratch, which comes free with any of their hosting
plans. If you don’t know what kind of a site to design, you can
purchase pre-made website “templates” on ebay for about $10.

Well, those are the basics of what you need to do to get a
website started. If you are nervous about this task, don’t
be…its easier than you think! If you can use a word processing
program, you can use a web site builder, and you might even have
fun doing it! Once again, the link to Yahoo is:

Click
Here To Visit Yahoo’s Website

Linking brings qualified prospects to your website, boosts search engine rankings, establishes value and trust in your brand, gives you a competitive advantage and establishes you in the virtual marketplace.

A couple of years ago Link Exchange was quite new and an excellent place for savvy webmasters to exchange quality links with those who were like-minded. Many Link Exchanges, mostly based on the original few, have sprung up promising an unending stream of reciprocal links with as many sites as you dare dream. There’s no problem with this however, link trades, where you put my link on your site and I put your link on my site may be less valuable than a one-way link these days after the Jagger Update.

For Instance getting Inbound links to your site (IBL) has become more important to achieve high rankings in Google than it originally was. You can build and establish one way links from blogs, news sites, directories, ezines, product reviewers, partner sites and so on.

Some of the popular Link Building Methods are listed below -

Link from non commercial sites - Links from .edu and .org websites are good for increasing your site’s rankings and are more important than ever.

Article Links - Links from the author by-line or within the article that point back to your site will positively affect your rankings.

Link from established sites - If your site is referred from big behemoth site like Wikipedia, Yahoo, AOL, Ebay, Amazon, etc., you will rank better than you did before Jagger.

Avoid Link Farms - Link farms are sites that exist solely to link to other web sites. Google in particular has been known to ban sites found using a link farm, stay away from them.

Relevant Links - IBL (inbound links) and OBL (outbound links) relevancy is more important after Jagger. This means that if you point to related sites or you get links from other sites that are related to your website, you may rank better after Jagger.

Use Link Bait - Although the term “link bait” is fairly new, the entire concept of link bait has been around as long as the internet itself. People have been creating controversial, funny, and informative web sites and web site content that others naturally link to.

Post messages on forums - Post messages on related forums , make sure they are readable by seach engine, while some of them have no-index attribute on their page.

Social Sites - Some free host sites also allow you to create pages on their sites which may help leverage the authority of their domains.

Obtain Links from Media Sites - Media sites have large audiences of people looking for information - get coverage and a link to your site. This would not only get a significant spike in traffic to our site but also get a percentage of that audience linking to us because the media site did. Links attract links.

Publish Press Releases - Publish any new event or newly introduced service/product in press releases directories.

Submit Tips - Post quality tips on other web sites in the area of expertise, at the bottom of each tip, include two lines about your products/services, and a link to your website.

Submit Reviews - Review different products or services and post about our good/bad experience with the product, service or company on other sites. eg. ‘review’, ‘price comparison’ etc. At the bottom of the review, include a few lines of text about you with a link to your website.

Publish whitepapers - Throughout the whitepaper, include references to our products or services with a link to your website. In addition, make sure you let our readers know they may freely distribute the document. Place a link to your whitepaper on our website to enable our visitors to download it. Submit whitepaper on other sites.

Publish Ebooks - Throughout the e-book, include references to your products or services with a link to your website. In addition, make sure you let your readers know they may freely distribute the ebook. Place a link to your ebook on your website to enable your visitors to download it. Submit ebooks on other sites.

Profile Pages - MSN’s Small Business Directory allows you to create a company profile page and get listed in other profile pages.

Good inbound links can always move your page up the ranking ladder and act as new entry points to your site.
The best way to carry link building is by obtaining natural links pointing to your site from a variety of related websites, some .org’s and .edu’s, and from other trusted authority sites.

Always remember what the original purpose for linking was and why it was practiced and why incoming links were, and still are, valued by the Search Engines. A link from a related site is a ‘vote of confidence’ that they feel their visitors will benefit from your content and hence, evidence that your website is considered to be of value in a specific category.
Link popularity is important and link building process needs to be given high priority. A little time spent on Link building today will ensure a good search engine ranking for your site in the future.

S Prema is Search Engine Optimisation Executive for UK-based internet marketing company, Star Internet Ltd. Cients of Star Internet benefit from a range of services designed to maximise ROI from internet marketing activities. To find out more, visit http://www.affordable-seo.co.uk

I ran an event in London with my good mate Suraj back in July with the heading, “Can We Really Attract Wealth?” The event was for a charity called Young Jains UK, and with both of following the Jain religion; it felt right to speak about the Law of Attraction and its connections with Jainism.

Up until now, I really haven’t felt like writing about it for this newsletter, and drawing out the points which really matter and shape the secret that I like to call, “Manifesting Money!” I call it that as although the title is wealth, we are more drilling in on the money aspect. It’s been a tremendous journey for me over the last year, growing in finance, and then spending on things I’ve toyed with and created memorable magic moments with, but what I’ve noticed is the exciting flow that comes with money.

Do you ever find your bank balance around a particular number over several months? When the money comes in and you notice the abundance, you decide to spend a little buying several of your favourite items and so the money goes. Again, comes more money, and again, out it goes. This is flow money brings to us. Every so often we say to ourselves that the bank balance we have isn’t high enough, so we raise our target and then become balanced there. This keeps happenings as we reach new heights and the flow immediately bonds well to whatever amount you seek to have.

What I have discovered, and shared at the event back in July is that money is manifested whenever you REALLY want it, and you can do it very easily. Do you ever get the feeling that if you could make money, all your problems would be over? This means the potential for your music is huge - you could publicise your music, get more gigs, travel around the world, get signed, etc. Money gives you freedom to spend, freedom to have and freedom to just be…

If you’re saying this is difficult, and its not easily manifested, I’m going to throw it back at you and say you’re just like the commoner whose holding the belief that in order to have an abundance of money in your life, you’ve got to work for it? Are you a commoner? The key is that if you feel you have to work hard for money, you will. If you feel it will be easy for you to obtain money, sure it will.

Let me ask you another question… We all want to manifest more money in our lives so that we feel better about who we are, but so many of us hold the belief that the rich and evil or stuck up. Do you think that? The key is that if you feel negative feelings about those who create money around you, you will repel abundance and money away from you.

What is your dominant belief about money? What you feel about money? From what I mentioned above, do you find yourself inviting money, or repelling from money? Manifesting, or creating for that matter, can be explained in a few short steps. You ask, you receive, and you allow “it” to come into your life, whatever “it” maybe. Whether it’s a new car, a relationship, health, or money - those are the simplified steps to creating anything you want in your life. You have heard the expression, “be careful what you ask for, you might just get it!”

True.

So it may sound too easy and simple. We ask and we receive? Boom, just like that? Yes, just like that. What we struggle with is “allowing” the manifestation.

How do you hinder money from coming into your life? You hinder the allowance of money flow into your life with contradictory thoughts, beliefs and feelings. You say, “This year I will make £50,000. But, I want to (or wish I could) make £100,000 or more.” Which of these projections do you think will manifest? So many times it is the limited belief that is manifested in life, because it holds the bigger focus for you. By the Law of Attraction, what we focus on gets bigger. If you are focused on lack, you create lack. If you focus on abundance you create abundance. If you focus on nothing, you create nothing. If you focus on what is, you create more of what is. If you would like to consciously create in your life, it calls for a shift in focus. A shift towards what you want vs. what you don’t want.

Here are a few tips to get you started - so that you may begin to attract the money that you would like in your life - so that you may experience the freedom you desire.

How to Increase the Flow of Money Into Your Life

1. Be conscious of the Law of Attraction: The Law of Attraction is defined like this - “That which is like unto itself is drawn.” So what you are radiating and vibrating in your life with your thoughts, words, emotion and beliefs you will attract to you. Again, focus on abundance, get abundance. Focus on lack of money - and you will create more of a lack of money. Also remember that first you ask with your desire, you receive, and then you allow “it” to come into your life.

2. Say YES to money: Have you made a decision to have money in your life? Have you said YES to money? Remember that when you say yes to money, you include that in your vibration, and you will attract money. If you are saying NO to money - with your feelings, thoughts or beliefs, you will also include that in your vibration. Decide to say YES to money. Line up what you want with what you feel. Don’t settle for what life throws your way - create your life just as you want it to be.

3. Consciously vibrate positive feelings about your money: As you think about your money, focus on what you have, vs. what you don’t have. Allow what you “don’t have” only to serve as a light in helping you to see what you do in fact want to create. Think positive thoughts about the money that you do have, see it growing, see it flowing in and out of your bank account with ease. See that you have enough, and that we all have enough. Come from a place that lack will only be our experience if we believe and project lack. See money as a wonderful source of energy that is a God given form of exchange. Get excited about creating money and feel good about it. Nothing is more important than that YOU FEEL GOOD when you are creating your life.

4. Be aware of where negative beliefs about money sneak up on you: Negative beliefs have a tendency to sneak up on you. Pay attention to your emotions - they will guide you. If you are not feeling good, check out your thoughts behind it. You may find a negative belief. If you find yourself feeling angry that someone makes more money than you, examine what your belief is. If you find yourself feeling sorry for another is not as prosperous as you, and you feel bad, examine that as well. Begin to unhook from negative beliefs through awareness, reframing, or shifting focus - which will allow you to flow your energy positively. Looks for as many positive aspects of a situation that you can possibly find. Write them down.

5. Make sure that what you want, and what you are vibrating, are the same: This of course ties in with your beliefs. People tend to have mixed attitudes that stem from greater belief systems, when it comes to creating money. You might say, “I want to create an extra £500 to pay for that seminar I want to take…” But then you might find yourself saying, “There is no way I am going to get that extra £500…. or, I can’t afford it….or, it’s too much….or, I have no idea how to get it….or, it’s probably not worth it anyway….or, or, or. Those beliefs or attitudes are in no way a match to what you actually desire - which is to go to that seminar. Can you feel the difference in the vibration even as you read the words? You make sure that what you desire, and what you are vibrating (about that desire) be in alignment.

6. Clean up your money clutter: When you clean up any space in your life, including you money space - you create space for more of what you want to come in. If you are wanting to create more money in your life, it is important to create space for that money! Pay your bills, pay those you owe, ask for payment for those who owe you, straighten your files, create a plan for your money, or handle your emotional issues around money. Remember that you will, as an end result feel clear. When you feel clear, you feel good (it’s like cleaning the house). And when you FEEL GOOD, and are coming from a good place about your money, you will be vibrating a pure vibration, which aligns you with what you, want — more money!

7. Love and appreciate your money: You may have had the experience, as you sit down to pay your bills - that you HATE to pay your bills. You see your bank account drain once again, and the fury builds from within. It’s important to note that what you love and appreciate you will attract more of, and what you depreciate you will repel. If you want more money, match your vibration to what you want, and the best way to feel good about something is to appreciate it, and allow your self to love it. Society tells us that it is not ok to love your money — in fact it’s not right even to talk about it. Break the chain of societal beliefs about money.

8. Love and appreciate yourself: It was said before, nothing is more important than feeling good. When you feel good, and happy, and passionate, and peaceful, and aligned with you true self, the process of manifestation can begin! Part of self-appreciation is honouring yourself enough to look within for the “answers”. It is tuning into your inner self and your intuition. It is paying attention to your emotions. If you feel negative, then you are not in alignment. If you feel good, then your are in alignment with your true self and your desires. Self appreciation also comes from choosing your thoughts, beliefs, and feelings - and acknowledging your power as the creator of your life!

© Kavit Haria, The Musicians’ Coach

Kavit Haria is The Musicians’ Coach. Kavit is the director of
InnerRhythm, a company that prides on providing success solutions for
musicians worldwide. Kavit sends out a musician development newsletter to
over 2000 musicians in 16 countries every fortnight to help them achieve
their desired results. Sign up now and experience the huge benefits from
www.innerrhythm.org

An important part of caring for your Pit Bull is keeping his ears clean. Keeping your Pit Bull’s ears clean will help prevent him from having ear mites and fleas, ear infections, and painful wax buildup. The idea of cleaning your Pit Bull’s ears can be daunting, but it is a necessary step in ensuring his health. Your Pit Bull probably won’t be fond of it at first, but he will soon learn to deal with it. It will probably be easier for you to remember to clean your Pit Bull’s ears if you do it at the same time you take care of his other grooming needs.

When cleaning your Pit Bull’s ears you should also be looking for any possible signs of trouble. You should look to see if there is any dirt or wax in the ear canal, or if it is red or irritated. If his ear smells bad, they are most likely infected, and you should stop and consult your veterinarian. Your Pit Bull’s ears are also a prime target for mites, fleas, and ticks, so you should look carefully for any signs of them. If any of these symptoms are present, you should make an appointment with your vet just to be on the safe side.

The first few times that you try to clean your Pit Bull’s ears, you may have to have someone else help you. He most likely won’t sit still at first, so someone will need to hold him for you. Many people suggest using a mixture of vinegar and water to clean the ears with, as they say it helps to better prevent infection. You should probably check with your vet to see what he recommends, but until then just use plain water to be safe. Your vet may prescribe an ear wash specifically for your Pit Bull, especially if he has had problems with his ears in the past. You should start cleaning his ears at the lobe, with a wet cotton ball, or gauze. Try to clean away all the dirt that you can see. Use a Q-Tip to clean the ear cartilage, trying to remove all the dirt that you can see. It is important not to try to clean inside the ear canal with the Q-Tip, as you are likely to damage the ear. It is better if you only clean parts of the ear that you can see. When you finish cleaning your Pit Bull’s ear, give him some special attention and some treats.

To learn all about Pit Bull puppies and training a Pit Bull terrier, visit http://www.pitbullsrevealed.com/ today.

There is one indicator more than any other which determines the health of an economy and it is the Real Rate of Return.
Furthermore this is the simplest of all indicators to understand because it determines the safety of assets. Next time you hear the TALKING HEADS discussing the nuances of the markets, filter what they say through your own understanding of the Real Rate of Return.

The Real Rate of Return is the one number that determines the safety of principal. It is calculated by taking the current BOND YIELD and subtracting the expected INFLATION rate from it.
The result is the REAL return on giaranteed money from the government.

Interest Rates are on the rise as we have been expecting and
this pressure has put a tremendous amount of pressure on the
stock market. The essential simplicity at work here is very,
very basic. If Interest rates on Bonds are yielding 5.14% and
inflation is forecasted at 5%. The difference is the REAL RATE
of RETURN, (in this instance we are speaking about .14%). The
REAL RATE of RETURN is what sparks major rallies and declines on
Wall Street.

The reason for this is that the Bond market is the largest
financial market in the world. There are literally trillions of
dollars invested in debt denominated assets. These investors
are primarily interested in the security of their principal and
taking as minimal risk as possible. They historically have been
thrilled with REAL RATES of RETURNS that would be in the 2% - 5%
annually. During the 1970’s this indicator went NEGATIVE for a
while indicating INFLATION was rising faster than interest rates
and BOND INVESTORS actually had substantial negative returns.
During this time there was much “screaming and gnashing of
teeth.”

It has always been my estimation that Federal Reserve Chairman,
Alan Greenspan’s key task is to keep the REAL RATE of RETURN as
high as possible. HE has been extremely successful at doing
this. If you read back over any history of the financial markets you would be WISE to view events through this indicator. The economic climate becomes remarkably different and people’s opinions change dramatically when the REAL RATE of RETURN on the most SECURE investments is threatened.

A thorough understanding of this simplicity is necessary for
success in any kind of investing as IT is the basic building
block from which all other analysis is based. Although it is
always difficult to forecast what will happen in the future, the
one factor you can count on is that when THE REAL RATE OF RETURN
is falling there is much SWEAT on the brows of Money Managers
who monitor the trillions of dollars entrusted to them.

At this point KEEP YOUR EYES on this indicator and make your own
forecast of INFLATION. You’ll realize that your ANALYSIS can be
better than the Big Boys.

Let’s be careful other there!

Dowjonesfully,
-Harald Anderson
http://www.eOptionsTrader.com.

Harald Anderson is the founder and Chief Analyst of eOptionsTrader.com a leading online resource of
Options Trading Information. He writes regularly for financial publications on Risk Management and Trading Strategies. His goal in life is to become the kind of person that his dog already thinks he is. http://www.eOptionsTrader.com.

Whenever you make any purchase it is important to take into account what you are buying. Whether buying for yourself or for someone else as a gift, you should examine your options and think through what you would like to buy. Purchasing model ship kits is no different. Additionally, because model ship kits can be rather expensive, it is sometimes even more important for you to carefully consider your options before committing to one kit or another. Here are some things to consider before you spend your money on a model ship kit.

Budget. This is always the first consideration whenever you buy anything, including model ship kits. Because there are kits that cost tens of thousands of dollars as well as those that cost less than $100, it is important to know how much you are willing to spend.

Skill Level. Different model ship kits are for people of different skill levels. Make sure you know whether you need a beginner, intermediate, or advanced kit before you buy. It is not so bad to give one that is below level, but the results can be devastating when the skill level is too advanced.

Motorized or Not. Some model ship kits come with motors so that they can self-propel through the water. These can be expensive to fuel and maintain, so make sure you understand what is involved before purchasing a motorized ship.

Time Period. There are ships from many different time periods. Model ship kits offer a wide range of time periods in the history of sea travel. If you or someone you are buying for has a preference, you should make sure that the kit you purchase meets that preference.

Specific Ship. Not only is it possible to buy model ship kits that fit a time period, but it is also possible to build replicas of ships that actually existed (or still do). So find out whether you or your friend needs a certain ship for a collection, and then buy that ship.

Quality. If you are concerned about quality, make sure that you purchase your model ship kits from a reputable company. There are plenty of hobby shops and online kit purveyors that can help you find a good quality ship, often at good prices.

Support. The best hobby shops and other sellers of model ship kits offer support and advice. Some even offer warrantees on their products. If you are looking for good service, make sure you purchase your kit from a company that provides support and help from professionals.

Whozylee Aris is a great admirer of model ships. Learn more about the fascinating hobby of building and collecting model ships by visiting www.modelshipcollector.com

Fur Elise is a famous piano solo by Beethoven. In this guitar lesson you will learn to play Fur Elise on your guitar. You don’t have to read sheet music notation so let’s start!

As I told you we will not use sheet music. Instead we will use guitar tablature.

Tablature is a form of musical notation, often with numbers and letters, which tells the player where to place their fingers on the guitar fretboard rather than which pitches to play.

I will use my own type of guitar tab notation today to make sure that the guitar tab is correctly displayed on article sites. The more common guitar tab staff notation you will find on my site.

The six strings on your guitar is numbered from the one with the highest pitch. This string is called the first string.

Let’s start with the first part of the melody with guitar tab:

01 42 01 42 01 02 32 12 23

Now we will take a look at this guitar tab and how to interpret it. You have probably noticed that the numbers are organized in pairs.

The first number in the pair tells you what fret to press down and the second number what string to play.

01 tells you to play the open first string. This means that you play the string without pressing down a left hand finger.

42 indicates that you press down a left hand finger on the fourth fret of the second string. Well, now it’s time for you to play the melody. Did you recognize the melody? Good!

This type of guitar tab doesn’t indicate the length of the notes. If you sing the lyrics you will probably feel how to play the notes.

What finger should you use when you play with your right hand? In this guitar lesson we will not concentrate on your right hand. I suggest that you play the notes with your thumb or in another way you choose.

Let’s play the next guitar tab:

35 24 23 02 24 13 02 12

What about your left hand? You can play the notes with your index finger but I suggest that you assign the notes on the first fret to your index finger, the notes on the second fret to your middle finger and so on.

It means that the 42 note in the beginning of the melody will be played with your little finger. Is it difficult? Yes, it will be difficult but not for long! You will get used to these fingerings if you are persistent!

In the long run you will probably even find it easier to play melodies this way if you get used to this more sophisticated fingering!

Let’s continue! The next guitar tab is identical with the first line:

01 42 01 42 01 02 32 12 23

and the next guitar tab nearly the same as the second line:

35 24 23 02 24 12 02 23

A new melodi is introduced:

02 12 32 01 03 11 01 32

and ends this way:

34 01 32 12 24 32 12 02

By now you know how to play this guitar tab notation so let’s play on!

01 42 01 42 01 02 32 12 23

35 24 23 02 24 13 02 12

01 42 01 42 01 02 32 12 23

35 24 23 02 24 12 02 23

Now you can play Fur Elise by Beethoven with guitar tab. Congratulations!

I suggest that you memorize the melody one line at a time so that the reading of this guitar tab will not slow you down when you play the melody in public!

This is a nice melody to know by heart as part of your repertoire for example when somebody asks you to play something! Everyone knows this song, don’t they!

Peter Edvinsson is a musician, composer and music teacher. Visit his site Capotasto Music and download your free sheet music and guitar tab at http://www.capotastomusic.com

The Federal Trade Commission (FTC) issued an interim report to
Congress on its investigation into Midwest gas price increases
that was cited at the reasons that the FTC launched the
investigation. It also provides a status report on the
continuing investigation, including progress and a description
of the work not yet done. The report details the history of the
price spikes of reformulated gasoline (RFG) in the Midwestern
part of the country and how these increases caused Commission
staff to initiate a preliminary investigation in June and
prompted the Commission to begin a formal investigation during
the latter part of July.

The report analyzes many conditions reported as potential causes
of the gas price spikes -
ranging from higher than normal crude oil prices, to the
expectation of compliance with EPA Phase II regulations for
summer-blend reformulated gasoline in high-ozone urban areas, to
the damage to the critically important Explorer pipeline during
March. However, the report says that “although it is likely that
each of these supply factors contributed to the dramatic recent
price spikes in the Midwest, no single factor appears from
staff’s preliminary investigation to be likely to provide a full
explanation, and staff does not yet have sufficient information
to assess the impact of these factors in combination.”

In accordance with the report, Commission staff is investigating
“the possibility of collusion or tacit coordination, conduct
that could be illegal under Section 5 of the Federal Trade
Commission Act.” Due to the abundance of potential interwoven
causes as well as the monstrous amount of evidential information
being collected for the course of the investigation, the report
also states that “this investigation is likely to consume, at a
minimum, another three or four months.”

The report shows that on June 29, Commission staff issued the
first round of subpoenas to the nine refiners that currently
supply the Midwestern markets and that within the month, staff
has accepted and logged approximately 200 boxes of
documentation. Around mid August, most documents requested from
the first round of subpoenas will be delivered to the Commission
offices. The Commission also issued a second round of subpoenas
to other refiners last week, and has issued Civil Investigative
Demands (CIDs) to the refiners recently, requesting that the
refiners compile data and answers to all of the Commissions
written questions. Commission staff issued another set of
subpoenas on July 25 to the entities that own or control the gas
transportation pipelines serving the Midwest markets of the
United States. Documents from that set of subpoenas are expected
to begin arriving shortly at Commission offices. The report
further details the Commission’s plan to conduct a series of in
depth interviews as part of the investigation. Staff has already
conducted nearly 15 interviews with market participants,
consumers, corporate consumers and many others with knowledge of
investigation relevant information, and continues the process of
capturing pertinent industry-wide data from the Oil Price
Information Service (OPIS). After the documentary evidence has
been reviewed and analyzed, staff will take depositions under
oath of key participating personnel throughout the gasoline
distribution chain in the Midwest United States.

Federal Trade Commission staff will also coordinate all of the
investigative efforts with the Attorney General of Michigan,
Ohio, Wisconsin, Illinois, Iowa, Minnesota, Kentucky, South
Dakota, Indiana, Missouri, and West Virginia.

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