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Transform your photos into one-of-a-kind, hand painted masterpieces!
Boundary: Bleed area may not be visible.
Click and drag to re-position the image, if desired.
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The more you buy... the more you save.
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The image is near the edges of the product but doesn't cover the entire product. Some of the background color may appear around the outside edges of the image.
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Our greeting cards are 5" x 7" in size and are produced on digital offset printers using 100 lb. paper stock. Each card is coated with a UV protectant on the outside surface which produces a semi-gloss finish. The inside of each card has a matte white finish and can be customized with your own message up to 500 characters in length. Each card comes with a white envelope for mailing or gift giving.
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Karen Michlitsch
April 22nd, 2019
James Doepke
April 21st, 2019
Michael Anderson
April 20th, 2019
Watercolour and ink travel landscape painting of people, horses and houses in the village of El Rocio in Andalusia in Spain. Painted on the site in 2009.
Miki, a long short story... Miki is a professional French artist, born in the Pyrenees, Her works have been sold and published worldwide. Her painting is a reflection of her life: a permanent oscillation between light and shadow, lines and shapes, times and places, always looking for that equilibrium which she can only find in continuous movement, in the mysterious and the unknown. A life divided between two passions: mathematics and painting. The first as a supreme form of abstract art ruling her universe... The second as a way of cementing the beauty of that art. Miki, about herself: "... Passionate. Impatient. Unappeasable, uncontrollable! I prefer dancing on a volcano rather than to sit at home! I love the...
Our return policy is very simple:
If you're not happy with a purchase that you made on Pixels.com, for any reason, you can return it to us within 30 days of the order date. As soon as it arrives, we'll issue a full refund for the entire purchase price. Please note - Pixels does not reimburse the outgoing or return shipping charges unless the return is due to a defect in quality.
Pixels sells thousands of pieces of artwork each month - all with a 100% money-back guarantee. We take great pride in the fact that hundreds of thousands of artists have chosen Pixels to fulfill their orders, and we look forward to helping you select your next piece!
All greeting cards ship from our production facility within 1 - 2 business days of your order.


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How do you take your reception tables from ordinary to extraordinary? It's all about accessorizing! Think of your table as a blank slate that allows you and your groom to make your first joint statement of style as a couple … Continued


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Wiring What S A Schematic Compared To Other Diagrams Comparable Wiring Diagrams Enter Image Description Here Electric Wiring Diagram #542
Doing electrical wiring by on your own can be challenging. That is specifically so once you absence the know-how as well as the knowledge in electrical stuff. The matter is you can not do a trial and error technique when dealing with electrical wiring. Problems could cost you a fortune or even your daily life. That's why ahead of starting any do-it-yourself electrical repair, you should ask some electrical wiring queries in order to be sure you are aware of what you are performing. Something about electrical wiring is usually that wires are often color coded. So, it is actually basically simpler to grasp which of them go with which. Below are the most typical electrical wiring thoughts whose solutions commonly entail hues to help you discover every particular wire. - Troubleshooting Electrical Wiring
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How can You Wire a Ceiling Fan?
For some reason, how to wire a ceiling fan is additionally amongst the most prevalent electrical wiring inquiries. To simplify this undertaking, you should utilize one change for the single ceiling fan. To wire the fan, it is simply a make a difference of connecting the black wire with the ceiling fan to your black wire in the swap. When there is a lightweight, the blue wire must be related to the black wire from the switch at the same time.
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Tablets | iPad HD resolutions: 2048 x 2048
iPhone 5 5S resolutions: 640 x 1136
iPhone 6 6S resolutions: 750 x 1334
iPhone 6/6S Plus 7 Plus 8 Plus resolutions: 1080 x 1920
Android Mobiles HD resolutions: 360 x 640 , 540 x 960 , 720 x 1280
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Mobiles QHD | iPhone X resolutions: 1440 x 2560
Tablets QHD | iPad Pro resolutions: 2560 x 2560
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Enjoy intimate and unique experiences at these boutique properties
Estimated price for 1 night/2 adults
Good Location, Beautiful Environment, Friendly Staff.. just the floor of room a little bit sticky but it doesn't really matter. will re-visit.
I loved the old world ambience. The room was lovely and well stocked with amenities. The staff is exceptionally friendly and helpful. I spent an entire afternoon being pampered in the spa. The services were professional, the spa beautiful and the staff kept giving me little gifts, such as slippers ...
Unique and amazing. Undisputably the best hotel in Malaka, in pair with E&O of Penang. Excellent and attentive staff.
All the staff are very helpful. There place is gorgeous for photo taking. Close enough to walk comfortably to Jonker Street but far enough to escape the hustle and bustle of it. We will return!
Room is very clean and nice
Connecting rooms. Breakfast not as good as previous when first started business
Fantastic hotel. Great Location. Very unique homely feel. Great service 10/10
Great location. Friendly and helpful staff. But noise level rather high during chinese new year eve.
The staff were the best and made the stay and the room was good.
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Visit, global rank 10 549, daily visitors 147K, daily pageviews 236K, pageviews per user.6, rating. It works so well that you might not notice any network lag. We've never seen anything like. The client user interface for Windows, Mac and Android is dark and ominous, but surprisingly user-friendly. VPN Gate is an experimental project set up by the University of Tsukuba in Japan as an absolutely free, unlimited service that locates and connects you to VPN servers around the world. Status, online, latest check, category, software/Technolog. Toronto-based SurfEasy provides the back-end servers for the Opera browser VPN, but we were still surprised that this full-fledged VPN service's network speeds were almost as bad as Opera's.
(We tested a 10th option, the experimental VPN Gate project, from a midtown Manhattan office, but that service's speeds were so poor we can't recommend.) Free VPN Performance Results Connect time Ping time (change from baseline; less is better) Download speed (change from baseline;. Because home-ISP network speeds can vary, a baseline reading without a VPN connection was taken before each round of tests. That feature seems a bit creepy, but it's entirely optional and you can adjust the amount of power drawn. Today, the most popular VPN protocols are OpenVPN and various implementations of Internet Protocol Security (IPsec which include IPsec by itself or in combination with Layer 2 Tunneling Protocol (L2TP) or Internet Key Exchange versions 1 and 2 (IKEv1 and IKEv2). Avira Phantom VPN limits its free tier to only 1GB of data per month, and that's only if you register with a valid email address; anonymous users get 500MB. But Hotspot Shield admits that it partners with advertising networks and collects some user data. It also shows ads in the Android app, although the company says it no longer injects ads into websites displayed in a desktop web browser. More: Free VPN Review But for a company that bills itself as "the world's fastest VPN was kind of mediocre, with our download speeds dropping to a third of the non-VPN baseline. ProtonVPN is a sister company to the ProtonMail encrypted-email service.
Its user interface is one of the best we've seen, attractively presenting exactly what you need, and nothing more, right up front. That's why we generally recommend using the limited free tiers let's call them freemium plans offered by paid VPN service providers. If you want to encrypt all your home internet traffic, all the time, you should pay for your VPN service. Servers and you won't be able to get around geographic restrictions on Netflix, Hulu or BBC iPlayer. For the formal testing, we used an HP EliteBook X360 1020 G2 notebook, an Asus ZenPad S8 tablet (for Avira Phantom VPN) and a Samsung Galaxy Note 8 phone (for Speedify). Was this review helpful? A VPN's scrambling and unscrambling of your data can sometimes slow internet traffic to a crawl. Windscribe has added support for custom OpenVPN configurations in its Windows and Mac client software.
Free users are limited to connecting to servers in only 16 countries. If you run out of data before the end of the month, you can always switch over to the even more generous Hotspot r even more free data, you can let Windscribe use your computer to mine cryptocurrency. A word of warning: Because these tests were conducted from a single location over the course of a few days, they will not provide a complete picture of a VPN service's performance. If the VPN Gate project adds faster servers in North America, it might end up delivering the ultimate goal: fast, free, unlimited VPN service for everyone. Search warrants than a service based in Switzerland. And you can't get farther away from.S...
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Reliance Industries denied involvement in any arrangements that lead to cash payments for oil supplies to Venezuelan state oil company PDVSA via third parties, and said it is not in violation of any U.S. sanctions, according to a statement from India's giant oil refining company on Saturday. Venezuela's President Nicolas Maduro is funneling cashflow from Venezuelan oil sales through Russian state energy giant Rosneft as he seeks to evade U.S. sanctions designed to oust him from power, according to a Reuters story published on Friday. The story was based on sources and documents reviewed by Reuters.
Wall Street expects a year-over-year decline in earnings on lower revenues when Invesco (IVZ) reports results for the quarter ended March 2019. The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on April 25. While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise.
I have an extra $750 per month right now, and I'm trying to decide whether to pay more on my mortgage or invest more for retirement. I can afford to have a mortgage for the first few years of retirement, but I'd rather not have that payment. What do you think I should do?
"A lot of people will tell you that buying a home is a good investment and that couldn't be further from the truth," says certified financial planner Peter Mallouk.
Embattled Chinese conglomerate HNA Group has denied accusations of embezzlement and financial irregularity made by a rival group of shareholders in Hong Kong Airlines (HKA) as the two sides fight for control of the struggling carrier. The allegations were made by Zhong Guosong and Frontier Investment Partner who between them control 61 percent of HKA's shares. On Tuesday, they declared they had taken control of the carrier and made Zhong, a former HKA director, chairman after an extraordinary shareholder meeting.
Restaurants sector might want to consider either Darden Restaurants (DRI) or Wendy's (WEN). The best way to find great value stocks is to pair a strong Zacks Rank with an impressive grade in the Value category of our Style Scores system. The proven Zacks Rank puts an emphasis on earnings estimates and estimate revisions, while our Style Scores work to identify stocks with specific traits.
Zoom Video Communications Inc. CEO Eric Yuan is extremely happy about his company's IPO, which soared past its targets and gave the company a valuation that's grown by nearly 16X in the past two years. "No one wants to be the person who peaked in high school!" A tireless evangelist for his company's cloud-based conferencing technology, Yuan used Zoom video throughout the IPO process, as well as on IPO day. "Eric didn't physically travel to any of our meetings with investors on the road show," Zoom Chief Financial Officer Kelly Steckelberg told the Silicon Valley Business Journal on Thursday.
UnitedHealth (NYSE:UNH) delivered a perfect score Tuesday releasing Q1 2019 earnings that ticked all the boxes. If you're a shareholder of UnitedHealth or other healthcare stocks selling healthcare plans, you've got to be worried that Bernie Sanders or one of the other Democratic candidates proposing a universal health care plan gets into office. Howard Schultz, who's against the proposal, recently had this to say about the idea of "Medicare-for-All".
On Apr 17, both The Wall Street Journal and Bloomberg reported that the United States and China are trying hard to reach a deal to end the prolonged trade-related conflict by early May. President Trump and his Chinese counterpart Xi Jinping could sign the deal later that month or the first week of June. In this regard, U.S. Trade Representative Robert Lighthizer and Treasury Secretary Steven Mnuchin are likely to reach Beijing in the week of April 29 for the final round of discussion. Notably, on Apr 4, President Trump had twitted that a trade deal with China is possible in the next four weeks.
US-EU trade conflict However, a new trade conflict between the United States and the European Union is emerging following the World Trade Organization rulings against Boeing and Airbus. According to the WTO, both companies have been receiving illegal public support. First, the US threatened the EU to impose sanctions, and now the European Commission is doing the same.
There is also the question of how much of that gold Nokia will get. The first clues to Nokia's success will come in the March quarter report, now due to be delivered April 25. Any profit would be welcome because Nokia hasn't had a positive bottom line since 2015.
Best Time To Buy A Car: Shopping On These Days And Months Will Save You Tons Of Money
Eric Yuan started Zoom in 2011 after helping build WebEx, which Cisco bought for $3.2 billion. After Thursday's market debut, Yuan's stake in Zoom is worth $2.9 billion. In 2018, he was named Glassdoor's big company CEO of the year, with a 99% approval rating from employees.
But if you're looking for tips on cheap stocks to invest in, here are a few names that haven't went out of style yet: Cheap Stocks to Buy: AgroFresh (AGFS) Share Price (as of 4/18): ~$3.29 AgroFresh Solutions (NASDAQ:AGFS) is one of the best cheap stocks to buy now to capitalize on increased demand for healthier eating. AgroFresh specializes in technologies to keep produce like apples and avocados fresh and attractive to customers. Considering how once-seasonal fruits and veggies are in continuous demand in every geography, this is a no-brainer investment no matter the price.
The end of the litigation between Qualcomm (NASDAQ:QCOM) and Apple (NASDAQ:AAPL) sparked a fire for both of those stocks and the semiconductor sector as a whole. The renewed bullishness for semiconductor stocks could continue through to the rest of the year for one good reason — Apple and Qualcomm agreeing to end the litigation set the stage for friendlier times among technology firms ahead. Instead of fighting for high IP royalty rates, semiconductor stocks could forge multiyear supply deals with its customers.
The American Century High-Yield Municipal Fund Investor Class (MUTF:ABHYX) requires a minimum investment of $5,000, but at least this is a no-load mutual fund and its expenses are below those found in the category average. This fund focuses on high-yield municipal debt and is "designed to provide shareholders with a high level federal tax-free income while maintaining low exposure to the Alternative Minimum Tax (AMT)," according to the issuer. ABHYX has a portfolio turnover of 49%, a 30-day SEC yield of 3.27% and a trailing-12-month yield of 3.8%.
Dividend Stocks Perfect for Retirees Overall, now seems like a good time to add some stability to the portfolio through dividend stocks. With that in mind, here's a list of seven healthy dividend stocks to buy in 2019. AT&T (T) Telecom giant AT&T (NYSE:T) has been burdened by a huge and growing debt load, and slowing operations in its core wire-line businesses.
Early retirement is a dream most us of want but few of us are able to accomplish simply due to poor planning and saving tactics. According to a recent survey from TD Ameritrade 50 percent of Americans dream of retiring by 60, yet only 33 percent of truly believe they will be able to accomplish that hope due to their current financial portfolio. As previously reported by FOX Business, the median savings account balance among U.S. households today is $4,830 with a whopping 29 percent of those households having less than $1,000 saved.
In our series My 6-Figure Paycheck, women making more than $100,000 open up about how they got there and what exactly they do. We take a closer look at what it feels like to be a woman making six figures — when only 5% of American women make that much, according to the U.S. Census — w ith the hope it will give women insight into how to better navigate their own career and salary trajectories. Job: Physician Assistant in Community Mental Health Age: 26 Location: Yakima, WA Degree: Bachelor of Science in Biology, Master of Physician Assistant Studies First salary: $31,000 Current Salary: $107,000 As a kid, what did you want to be when you grew up?
Recode reported on Wednesday that Microsoft repeatedly offered to buy the San Jose cloud-based video-conferencing business over the years, including its most recent attempt earlier this year. While such a deal might have made sense for Microsoft, which has struggled to make its 2011 acquisition of Skype a success story, it looks like Yuan was correct to decline their offers. Zoom's stock (NASDAQ:ZM) jumped to as high as $66 a share in early trading after it raised about $357 million in its IPO.
Fifth-generation (5G) chipset market is set to gain immensely, especially, in the United States as the country is impatiently awaiting its arrival. Increase in demand for high-speed Internet, advancement in IoT and the recent spike in government initiatives for better rural connectivity are helping the 5G chipset market gather steam. According to Markets and Markets report, the 5G chipset market is estimated to be worth $22.41 billion by 2026 and is valued at $2.03 billion for 2020.
Kraft Heinz (NYSE:KHC) CEO Bernardo Hees, who gained notoriety on Wall Street as a cost-cutter, will now have to figure out how to invest money into the beleaguered packaged food company if its long-suffering shareholders ever hope to get any relief. Unfortunately, Hees won't be able to just write a check to make KHC's problems go away. Like other packaged food companies, KHC has been hurt by the rising consumer demand for "fresh and healthy" ingredients at the expense of processed food.
Wall Street expects a year-over-year decline in earnings on higher revenues when United Parcel Service (UPS) reports results for the quarter ended March 2019. The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on April 25. While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise.
The different types of savings bonds There are currently two types of U.S. savings bonds available for purchase: Series EE and Series I. A third type, Series HH, is no longer sold but can still be redeemed. Series EE U.S. savings bonds are also known as "patriot bonds." You purchase these savings bonds at their face value.
And when there are plenty of sectors — and companies — that will benefit from the slower, steady growth ahead, there's no point in holding these stocks and hoping for upside. Risky Tech Stocks: CoreLogic (CLGX) CoreLogic Inc (NASDAQ:CLGX) is a data firm that specializes in analytics for the real estate business. It has 99.9% of the property records for U.S. housing, covering over 3,100 counties.


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Michael | London| 25/03/2019 | 0
My £600k+ pension SIPP with Tilney and James Hay has an annual charge of about 2%. Now that I am in monthly drawdown, on my managed, cautious portfolio, I'm interested in exploring alternative providers to lessen the charges, since future returns look like being lower than they have been in the past. I've heard of firms like Netwealth whose charges can be 0.75% lower than I'm currently paying, but what other, similar firms exist which I could evaluate before deciding whether to change my advisers?
Hi Michael,
The difficulty with your question is that we're not really comparing like with like.
Your current pension portfolio with Tilney and James Hay is a traditional kind of setup, and that fee includes face-to-face ongoing advice and investment management.
There are newer so-called robo advisers which offer different levels of support and advice. Typically you'll get less face-to-face and less hand holding than you would in traditional models, but fees can be correspondingly cheaper.
A key difference of some of the newer models is that they adopt what's known as a passive form of investing. This is where your investment portfolio will track an index, and so by definition be average. It will never shoot the lights out, but nor will you be paying high fees only to see your investments languish.
The biggest decision for you is probably to think about how much you value the advice you're currently getting, and that peace of mind. It's important to look at overall returns after fees, not just the fees themselves.
Perhaps have a look at your returns after all fees over the last few years, and compare them with some of the newer providers you are looking at.
2% is a mid to high fee to pay for ongoing advice and investment management, but it's certainly not outrageously high.
I think as always the challenge is: Are you unhappy with where you are? And how good a job are they doing?
If you trust and value the relationship with your adviser, that may be worth holding onto.
However if you are keen on the idea of lowering your fees then yes, there are newer more digital brands around which will offer you a lower price point.
I'm in my very early 20s, and earning well. I have no debts or dependants. I have a Stocks and Shares ISA, and am weighing up the pros and cons of a General Investment Account vs a Private Pension. What should I keep in mind?
Cecily | Berkshire | 08/04/2019 | 0
I intend to retire in autumn, aged 60 and would like to leave my son and grandson as comfortable as possible when I'm gone. I have talked with several IFAs, but given my risk adverse nature, their fees seem to eat up most of the benefit they offer. Do IFAs normally bring sufficient benefit to low risk strategies, to make it worthwhile? Or am I better off cautiously investing myself, and saving the fees?
Stephen | North Yorkshire | 01/04/2019 | 0
I have two separate company pensions from previous employers. For the last 12 years I have not contributed to a pension. I am now 44 and know I need to put money into one. I'm not financially aware and the robo providers sound tempting but, obviously, I want the possibility for the best return at medium risk. Your Q2 2018 results update showed Nutmeg's Portfolio 10 as returning different figures than the Best Buys page for Nutmeg says. Why are these figures so different? Is Vanguard Lifestrategy 60 a good choice, though they don't have a SIPP.
Dave | West Yorkshire | 26/03/2019 | 0
I am self employed (40) with no private pension, earning £50,000 a year. I have savings and can make a lump sum investment. I know nothing about Stocks or Shares. What is the best way forward for pension and tax reduction? Desperate Anna
Anna | London | 25/03/2019 | 0
When I retired in December 2018, I considered consolidating my pensions for income drawdown, but it meant handing over management of the investments. After viewing the performance of the funds the Standard Life Active Retirement pension invests in, I hesitated. Recently I spoke to an advisers aligned to the investment philosophy of Albion Strategic Consulting headed by Tim Hale, but was scared off again by the messages regarding DIY investor dealing with re-balancing, sequencing, and lack of ability to stress test without the correct professional financial software, in addition to the high costs. I understand the basics, but am now totally unsettled as to the direction I should take and if, at such a critical stage, I should invest in an IFA on a regular basis. I appreciate you cannot give me direct financial advise but I am finding the whole event very disconcerting, when I thought I had the basic acumen to manage the transition.
Rob | Hertfordshire | 20/03/2019 | 1
My 60 year old mum is not very financially literate and has has no private pension. She has approximately £900k to invest, from which she will need to draw down c.£40k a year for life. She is not very financially literate and would not be able to proactively manage the money herself. Would you favour an Independent Financial Adviser or a Robo Adviser for someone in her position? Thank you!
Harry | Kent | 11/03/2019 | 1
If my son increases his pension contribution, I have read it may affect the amount he can borrow on a mortgage. Is this correct? Should he take a SIPP out as well? Is there any advantage in maxing out his managed Nutmeg Lifetime ISA in the next financial year?
Richard | Hertfordshire | 06/03/2019 | 3
I am 65 and still working. I have a workplace pension, which was closed and replaced with a retirement saver pension. I contribute to this via salary sacrifice. I also have a personal pension serviced by an IFA. Should I move my personal pension fund to a SIPP provider at this late stage of my life? I would like to consolidate the workplace retirement saver and personal pension fund together and manage it myself.
Den | South Yorkshire | 27/02/2019 | 0
Trying to get a bit more pro-active with my pension. If my money had been in an online managed fund like Nutmeg for example, is it reasonable to assume that as the markets fell last year the funds would have been managed in real(ish) time to limit the damage? If so, is it therefore a no-brainer to transfer my pension to an online managed pension or is it not quite as simple as that?
David | London | 08/02/2019 | 2
With a SIPP in drawdown would a company like Netwealth whose investment management fees are of the order of .66% of the value of the portfolio, be a better option compared to companies like Hargreaves Lansdown or Investec? What are the relative benefits of Netwealth over the more traditional wealth managers?
Steve | Lancashire | 22/01/2019 | 6
From my retirement I received a lump sum of money and a monthly pension. I have £100,000 that I do not need for the foreseeable future... One of my main concerns with Financial Advisers are their costs... All I want is simply to see this money grow to its potential, sensibly and above inflation... Therefore my next thoughts are Stocks and Shares ISAs... My only concerns here are the current Brexit problems - I saw the FTSE drop this past week. I cannot find any information out there to assist with my decision making if this is certainly a good time to invest... I am aware that I can place £20,000 for this year. Come April 2019 I place another £20,000 and so on until the £100,000 has been utilised. Do I have to place it into the same fund or can I choose another different fund with a different company?... Please can you help to ease some of this burden, which has proved an awful part of my retirement and made me frightened to spend any money.
Katherine | Derbyshire | 02/01/2019 | 0
I was lucky enough to inherit a significant sum from my father... currently in Alliance trust platform in 10 investment trusts. They have delivered well in the last 20 years. But they are UK equity based. And highly risky. Do you offer a sanity check service for confused individuals like myself? I don't know what to do...
Paul | Berkshire | 12/11/2018 | 2
I am a 30 year old British expat living and working in the Netherlands. I worked in the UK for 5 years but to my knowledge I did not have a work pension of any sort. I've been working in the Netherlands for the last 4 years, and again have no pension (my company does not provide anything). I'm getting increasingly worried about my future retirement and my lack of any kind of pension. Firstly, I am not sure what - if any - state pension I could receive (either from UK or Netherlands) but I assume not much. Secondly, I'm ready to start investing on a monthly basis into a private pension fund, but I have no idea what the best option for me would be. Really lost and confused, and would really appreciate any advice you might have.
Lucinda | Kent | 09/10/2018 | 0
My wife, 56, is still working but has a final salary scheme which she is drawing as well - currently £26k per annum. Her current employer's pension scheme is defined contribution, and her fund stands at £1.050m. Therefore, her total pension is around £1.57m. We protected her Lifetime Allowance at £1.25m, but all growth will now be taxed at the excess rate. My idea is to take the 25% tax free amount out of the defined contribution pot, and reinvest it in the same funds as the pension. This will then remove growth on the 25% from the excess tax rate to a capital gain when sold, thereby saving a considerable amount of tax. Am I right?
Rod | Hampshire | 05/09/2018 | 1
Can you advise me on the best approach when looking to invest in a product that offers compound interest? I'm thinking about funds rather than bank accounts. I also have 4 different pensions on the go. Should I keep them separate to diversify the risk? Or consolidate them? How will these pensions be treated when I retire? Will they be considered in aggregate by the tax man?
Craig | Clackmannanshire | 16/08/2018 | 1
I have about two thirds of my ISA in funds with Charles Stanley Direct and about one third left with St James's Place. I was planning to transfer the remaining one third to Charles Stanley Direct. However the recent platform price increases seem to put me in the worst position possible. I also have a private St James's Place pension. Would I be correct in thinking the fees are also high on this, and I could do better elsewhere? Can I transfer into an SIPP for example?
Gerry | Bedfordshire | 15/08/2018 | 5
I'm nearly 30 and looking to open a private ready made pension, and also an investment ISA for retirement funds or towards a property, but very unsure what risk level to choose (low to medium, or medium to high)? Any comments or advice welcome.
Susan | WMD | 24/07/2018 | 1
My wife needs to set up a SIPP with a good value, low cost, low maintenance underlying investment portfolio. We want a good mobile app from a well respected provider. Where can we see the options and directly compare historic returns so we can make a decision?
Guy | HRT | 17/07/2018 | 1
I hope you can help. I recently consolidated two modest pensions into a SIPP in readiness to start UPFLS drawdown in May (2018). Whilst I was hoping for growth in my investments I wasn't expecting it to rocket and now find I could well be looking at exceeding the lifetime allowance, possibly even before my first annual drawdown in May, and I'm unsure what, if anything, I should do.
John | LDN | 03/07/2018 | 1
Hello Are there any specific pensions you would recommend, with low charges, which I can set up for my 11 yr old son. I am already paying the maximum into a junior isa. AH
Anita | SXW | 18/06/2018 | 3
I am a 59 yr old retired lady with no income but I have reasonable equity..is it worth starting a pension or is it too late?
| 06/02/2018 | 2
I am in the very lucky position of just having received a gift of £800k which I want to invest for our retirement. My husband and I are in our late 40s and aim to retire in around five years. We have 11 more years of school fees to fund, then hopefully university fees for two after that. I've put together a plan for us - can you have a look and see if it makes sense?
Fiona | UK | 18/01/2018 | 6
Can losses in a pension SIPP be offset against anything?
Henryk | HAM | 17/01/2018 | 0
I am already receiving a pension from a final salary scheme and I am retired. I have a sum of money I want to invest. Can I start another pension as a saver and, if so, how much can I put in every year?
Collette | Greater London | 25/11/2017 | 0
I am a 59 yr old retired lady with no income but I have reasonable equity..is it worth starting a pension or is it too late?
I am getting long in the tooth at 79, a little forgetful and I am going through a painful divorce. This has shattered my confidence and I need help.
Richard | Kent | 05/11/2017 | 3
Please help me. Choosing a pension from Aviva. It asks if I want growth or income? Which one do I choose ? I'm 46 .
Ria | Greater London | 11/09/2017 | 8
Is it worth using a financial adviser when it comes to switching pensions funds, or should I do the research and pick the funds myself? I am no expert in stocks and shares.
Helen | Dorset | 10/08/2018 | 4
Why should I bother with paying into a pension at my age of 55 years now when I have never had one?
Tee | Greater London | 07/09/2017 | 4
Which is better - property or pension?
Paul | Greater London | 07/09/2017 | 0
What are the changes with pension annuities? My mother in law has asked as her retirement is looming. I've read in the press it's changing but it all feels confusing. I just need some simple clear advice. Thanks
Keith | Greater London | 06/09/2017 | 2


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Comments /{{hitsCtrl.values.hits}} Views / Tuesday, 10 April 2018 00:23
LONDON (Reuters) - Global stocks rose yesterday (9 April) as the US government played down fears of a trade war with China that has roiled markets over the last week.
The two countries have threatened each other with tens of billions of dollars of tariffs, but officials in President Donald Trump's administration have stressed the tariffs are not yet in place and the dispute could be resolved through talks.
Trump's chief economic adviser, National Economic Council Director Larry Kudlow said in an interview on Sunday (8 April) the ongoing spat "might turn out to be very benign."
In a Twitter post on Sunday, Trump appeared to echo this, saying any tariffs would be reciprocal and that he saw a "Great future for both countries!" MSCI's world equity index, which tracks shares in 47 countries, was up 0.24%, helped by Europe's benchmark Stoxx 600 index that rose 0.5%.
"Never ending escalation is not guaranteed ... as China has shown willingness to negotiate in recent months," said analysts at JPMorgan, who also noted the two countries made significant progress on trade agreements when Trump visited China in November 2017.
But the issue could dominate markets for the foreseeable future given the lengthy public discussion period on US tariff proposals mean the earliest they might be imposed was somewhere around late July or early August.
"This is not going to happen tomorrow, and given the mercurial nature of the US administration, the whole issue could well disappear before anything really happens," said ACLS Global Chief Strategist Marshall Gittler. "Many market participants may be starting to think that this is just a lot of sound and fury, signifying nothing in the end. But ... you never know, US trade policy is in the hands of someone totally unpredictable."
The next major hurdle will be a speech by Chinese President Xi at the Boao Forum on Tuesday (10 April).
Russian stock indexes and the rouble both fell yesterday after the United States hit Russian companies and officials as part of an aggressive round of new sanctions to punish Moscow for a range of activities, including alleged meddling in the 2016 US election.
The dollar-denominated RTS stock market index was down 4.5%, its worst single day in over a year, while the rouble was 0.9% weaker against the dollar.
Shares in some Russian companies targeted by the new sanctions, notably those associated with Russian businessman Oleg Deripaska, plunged yesterday.
Hong Kong-listed shares in Deripaska's aluminium producer Rusal tumbled by nearly half after the company said it could default on some of its debt due to the sanctions.
Elsewhere in currency markets, the dollar steadied on the safe haven yen at 107.07, just short of the recent six-week peak of 107.49.
The euro was flat at $1.2280, and above the recent trough of $1.2212, while the dollar index was a fraction firmer at 90.138.
Oil prices edged up with Brent crude futures for June up 0.58% to $67.49 a barrel, while US crude CLc1 gained rose 0.53% to $62.38 a barrel.
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Travel / Tourism
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Thursday, 25 April 2019
Trade-offs that are central to public policy are best understood with specific examples, ideally real-world cases rather than made-up ones. The recent request by the Police that those leaving unattended vehicles on the road display their names and co
Thursday, 25 April 2019
These are the worst of times for us all in our belovéd blesséd battered bruised broken bleeding isle. And I'm thinking dark thoughts that the twitterati and other tender-minded philosophers would deem unprintable. But will be publish and be damne
Wednesday, 24 April 2019
Never in the history of Sri Lanka has there been such a masterly engineered and flawlessly executed terror attack on soft targets to bring down a calamity of incalculable magnitude. These heartless and mentally deranged criminals who masterminded thi
Wednesday, 24 April 2019
Sri Lanka was devastated on Sunday when suicide bombers went on rampage. Whilst the actual impact will be seen in the near future, what is sad for Sri Lanka is that the policymakers are at sea despite all the experience we had in dealing with the LTT
Colombo Development Dialogues: Is SL ready to face a rise in Asian asylum seekers to Lankan shores?
Women's empowerment: The right and smart thing to do
IFC's SheWorks partnership completes a year of big strides to increase role of women in business
Committed to gender equality and empowerment of women, Sri Lanka tells UN


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Shivratri is observed as the "night of Shiva", the Hindu god, who is referred as "the destroyer of evil." This special day is not for celebrations and merry-making but to worship Lord Shiva, introspect and become meditative. While Shivratri comes once every month, Maha Shivratri or the "great night of Shiva" comes once in a year, just before the arrival of Spring season in the month of February or March. Its date keeps changing every year as it is related to the lunar calendar. This year, Maha Shivratri will be celebrated on February 13, Tuesday, and will be extended till February 14. Lord Shiva, depending on his various qualities, have been recognised and called by 108 different names: Maheshwara, Shambhu, Soma, Shashvata, Parameshwara and others.
How Is Shivratri Celebrated?
There are certain perceptions about the festival. While some head to Shiva temples or go on pilgrimage to Jyotirlingams, some celebrate it as the day to observe stillness by chanting of shiva mantra "Om Namah Shivaya", praying to Lord Shiva, keeping fast, practicing yoga, meditation and self-restraint. The ardent devotees keep awake all night, also called "jaagaran".
The major Jyotirlinga Shiva temples of India - in Varanasi and Somnatha - are frequented on Maha Shivaratri by the Shiva devotees. It is also celebrated in the temples all over Maharashtra, Andhra Pradesh, Karnataka, Kerala, Tamil Nadu and Telangana.
What Is Significance Of Shivratri?
There are several legends around Maha Shivratri. According to a legend, Maha Shivaratri was the day when Shiva drank poisonous negativity to protect the world. Another legend says that it is the night when Shiva performs the heavenly dance of creation, preservation and destruction, while some believe that this is the night when Shiva and Parvati got married.
Get the latest election news, live updates and election schedule for Lok Sabha Elections 2019 on ndtv.com/elections. Like us on Facebook or follow us on Twitter and Instagram for updates from each of the 543 parliamentary seats for the 2019 Indian general elections.


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Weber Model WG-51 Baby grand piano 4′ 11″ *PRICE REDUCED* $3,500
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White Hyundai Model U820 continental style upright piano $1,900
This is a sleek and modern upright made by Hyundai Pianos, a Samick company. The case is in excellent condition and the piano plays and sounds fantastic!


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10+ Year Member
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Does anyone have any information about the "Early Accept" option at TouroNY? I received word of it in the email when I was waitlisted.
The email states:
Thanks in advance.
The email states:
Has anyone done this, or know anything about it?I also want to advise you that you will be considered as a candidate for Early Accept to the Class of 2015 should you ultimately not be offered acceptance to the Class of 2014. Irrespective of how positive this review has shown to be in the past and your position on the wait-list, I would never encourage you to reject an unconditional acceptance to another school.
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text: > > the version i'am using is: 0.6.2 from > > http://www.olsr.org/releases/0.6/olsrd-0.6.2.tar.bz2 > > you can also use/try tip from repository,. My first shot was compiling 0.6.1 from http://www.olsr.org/releases/0.6/olsrd-0.6.1.tar.bz2 it works without any changes to config/setup! I will report in some days if git-tip is working... Thanks for all the feedback - sorry for the corrupted thread - i changed the mailinglist-digest mode, so i could not directly answer...now solved. bye, Bastian


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Sonora Grill Prime - Vallarta
Excelente servicio. Solo esperamos unos minutos para que se nos asignara mesa cuando llegamos.
All the service was top notch!!! Funny waiters.
I arrived to the place abd they didn't have my table, I had to wait 45 minutes or more for them to have my table, I dont know if they don't respect the reservations of open table or what happened, that was terrible!
Todo muy rico, pero la espera fue de 40 min aun teniendo reservación
Excelente lugar buen ambiente y la calidad de los almimentos es muy buena
Always the best service
Good location if you are staying in the Marina area and if you are craving steak, which is excellent here. We had rib eye steaks and they were very nice and tender. Be careful what size you order as it could be shareable instead of for just one person. The steak comes with your choice of two side dishes. There are two sides to the menu; one side for just steaks and the other side for other dishes. My husband found the noise level high; I didn't mind it too much because I liked the music (there are large video screens throughout the restaurant).
Such a fun atmosphere. Lively with DJ and live music, music videos and great people watching. Food is creative with perfect presentation.
Me parece que la carne debe de ser de mejor calidad, yo soy de sonora y las carnes de esta región son muy buenas, pero me decepcionó la calidad de carne de Sonora Grill Prime. El servicio excelente, un poco ruidoso pero la música muy agradable, decoración excelente.
Me encanto! Creo que nos toco Luis, pero todos los meseros fueron tan amable. Fui para mi despedida de soltera y me divieti tanto! Muchas gracias!
Food was delicious! Fabulous Dinner! At first we felt like they were rushing us, but we wouldn't order until after they brought our drinks, and they seemed to get the hint...
A must . Just the chips and dips are worth it. Three of the sauces are extremely hot. If you like your steaks medium rare, order them rare because the skillets retain heat. Shrimps to die for. This is a must, especially for those vacationing in the Marina district.
Everything was great as usual
el servicio es personalizado podría decirse la carne es su especialidad, pero sin duda encontraran algo para casi todos los gustos! un lugar en el que te la apsas muy bien y comes muy rico!
Excellent restaurant. The meat was delicious and tender. Service was impeccable.
Excelente todo muy recomendable unos videos la comida el ambiente sólo bajaría un poco el volumen de la música
It's a great place to celebrate
Food and service was excellent. Very nice having the children's room. At times it got a bit too loud but overall it was a great evening! We have been there several times and will continue to return.
Excellent evening, but the dessert was dry. We had to request a replacement
No English menu. Waiter could not translate well. Very noisy. Steaks undercooked. One meal 25 minutes late.
This place is a hidden gem. One of the best steakhouse experiences I have ever had. Service, presentation, ambience and food were all perfect.
Waiters amazingly attentive, great service from start to finish.. food was delicious and drinks superb. My wife's birthday was celebrated with an amazing lava cake and fun delivered by waiters.
Thank you for a great evening, we will be back!
This is a "must do" anytime we visit Puerto Vallarta! Best steakhouse we've been to. Phenomenal food and exceptional service. Be sure to ask for Jose "Joe." He is by far the best server we've ever had.
Very very noisy . Steak was fatty and expensive. Waiter paid little attention to us. French fries were delicious but would not go again. Too many other more reasonable and less noisy options.
A few changes would be required, then I would recommend Sonora Grill Prime to others.
Excellent service. Good food.
Amazing for and service as always. Dinner always comes out at a very high standard and steaks cooked perfectly.
The food and service was great!!!
The music/noise level was way too loud for us to talk comfortably.
Sonora Grill never disappoints. The service, food and ambience are always exceptional. We always make a point of going when we are in Puerto Vallarta.
This is a high energy serious steak house. I had the pleasure of having dinner at the Guadalajara location about three weeks ago. It was an outstanding experience that included dinner for 10 people. I enjoyed the Vallarta location more as I liked the openness of the restaurant. The Vallarta location has a nice mix of tourists and locals. Most of the staff have excellent English communication skill. All of the staff we encountered were genuinely friendly and eager to ensure a great dinning experience. One of the difficult things to get in Mexico is a steak prepared medium-rare. The temperature of the NY Strip was spot on. I plan to return on my next trip to Vallarta!
Perfect. Great food. Fun people watching. Attentive friendly staff
Es un lugar que visito regularmente y siempre excede nuestras expectativas de servicio,su carta de vinos es de las mejores del destino y la rapidez de su servicio aunado a la atención personalizada de su staff hace que sea para mi y mi familia un lugar sobresaliente y por eso lo visitamos regularmente.
Absolutely phenomenal dining experience! The food was delicious, the service was impeccable, the ambiance was wonderful and it was just an overall wonderful place to celebrate my husband's birthday with friends!
It is always a great experience. We love dining here. The staff is always very attentive. When ever you order a drink they also bring an extra shot of what ever liquor was in your drink. Price is great too. Music and DJ and TVs make sure you have a full experience.
Please don't ever hesitate to eat here as you will love the time here!
Sam Fratantoni
The food was excellent. 6 people plus a baby and service was excellent. Steaks were best we had in a long time. We will go again when back in Puerto Vallerta.
Excellent service and a terrific meal.
This was our third visit and each time the consistency of the food and beverages was spot on!! They always have plenty of staff and supervisors so they pay attention to their guests. They missed one meal and once advised were quick to correct and acknowledge the mistake. We still really enjoyed it.
For second time in week restaurant had no record of our open table reservation even though I had it on my phone. Got the slap on hands email from open table for no show for reservation. Restaurant blamed it on electrical issue. Open table indicated they would follow up within 48 hours. Still waiting. Restaurant over charged us for steak we did not ordered, they were very reluctant to correct their error. Food was very good like always but I found new steak restaurant for our annual trip to PVR. Deleting open table app.
We all loved this place. The food was outstanding as well as the service.
Loved the music videos


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The information listed right here are made to support you attain your physical purpose. But like it or not, the truth remains that there are genetic variables outdoors your control that have an effect on how quick you can develop muscle, as effectively as the maximum amount of muscle you can anticipate to obtain naturally. Creating muscle is a mixture of time under tension, sleep, and recovery, along with becoming conscious of nutritional choices. The constructing muscle needs the proper protein intake The advisable dose is 1 to 1.five grams per 1 kg of body weight. Because ladies are not prone to building muscle as fast as men, I advise a smaller sized calorie surplus than a man may well consume. In common, there are two types of coaching that most ladies concentrate on with muscle creating is the major purpose. One particular set of each physical exercise can target all major muscle groups to obtain a total physique workout.
By getting a muscle building program created, you waste significantly less time in the health club and you will see final results much more swiftly. Make sure you assessment the achievable side effects on the internet or at a trustworthy nutrition store just before you take them, as there are several distinct and quite common supplements available such as whey protein, creatine and glutamine.
But becoming in a hostel this can't be achievable so my trainer suugested me to take a mass gainer ,but i am confused no matter whether i need to take it or not if i have to take supplements what ought to i take a mass gainer or whey protienas m 20 yrs old of 180 cm height with 128 lbs of weight. To sustain muscle mass, physical exercise is job #1. To stave off sarcopenia, the age-associated muscular deterioration that's the muscular equivalent of osteoporosis, the best strategy is a two-pronged workout routine. In other words, a routine that utilizes exercises that stimulates muscle development effectively, so that you get more results in much less time.
The simple notion for dynamic tension workouts is flexing your different muscles against each other to get a muscle workout with no weights. Stick to an HIT (Higher Intensity Plan) workout program that goes to failure, and you can induce adequate muscle development in that 1 day to keep growing muscle mass. A lack of sleep will boost the tension hormone cortisol and this eats away at muscle tissue and adds fat to the midsection. I've heard a lot of very intelligent individuals talk about the price and limits of muscle growth more than the years. You see, when you workout and lift weights, your muscle fibres endure tiny tears, and therefore call for time in order to recuperate and repair those fibres. Most muscle growth occurs outdoors the gym and that is why rest is so critical.
A naturally thin person requirements to realise the secret to their achievement is taxing his muscles slightly and then focusing on sustaining a higher calorie surplus. Then once more, I have a feeling that a lot of of the genetic elite do not truly recognize it. They just think they are regular and everything usually comes that fast and effortless.


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Meritt serves as the International Field Director for Mosaic. She graduated from Wellesley College with a degree in Peace and Justice Studies. She then moved to South Africa where she worked on human rights and refugee issues. She earned her MA in History and Public Policy from the University of Cape Town. Meritt has been involved with disability issues throughout her life and welcomes the opportunity to combine her disability knowledge with her international development experience through Mosaic International.
Mosaic in Western Colorado would like to take a moment to thank our 2019 Partners in Possibilities Fundraiser Sponsors.
The Bargain Box thrift store is run by the Children's Guild of Mosaic. The Children's Guild purpose statement is: To give financial support, in the way of special projects, from proceeds of the Bargain Box, to promote the interest of Mosaic in Beatrice. There are currently 61 volunteers that contributed more than 11,000 hours of volunteer time last year. Those hours are spent sorting donations from the Beatrice community and selling those close at thrift store prices.
Full Circle DME Donation Program accepst medical supplies and equipment of all types - from standers and wheelchairs to hoyer lifts and hospital beds. However, we couldn't do it without the families and organizations who donate their new and used medical equipment, and our volunteer-run repair shop that cleans, refurbishes and customizes the equipment to the specs of the new user.
Download a request form (pdf).
National Supports Office4980 S. 118th St. Omaha, NE 68137 P. 877.3MOSAICF. firstname.lastname@example.com
LANGUAGE ASSISTANCE AVAILABLEIf you speak another language, assistance services, free of charge, are available to you. Click here for more information.
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링컨 대성당은 잉글랜드 링컨셔주 링컨에 있는 성당이다.
A stunning fort from the medieval times with loads to see. It stores one of the four surviving Magna Charta documents.
High Bridge carries the High Street across the River Witham in Lincoln in eastern England.
The University of Lincoln is a public research university in the cathedral city of Lincoln, England.


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As you grow older, the changes in your hair, facial and body shape, and even lifestyle can catch you off guard. But, what about the changes that occur with your mind? While yes, it is natural to be a bit more forgetful as you age, it could be that you are showing early signs of Alzheimer's disease. And what about your oral health? Are you taking care of it with good oral habits? A dentist in Toledo explains how the status of your oral hygiene can impact brain function and the possibility for Alzheimer's.
A Dentist in Toledo Explains the Link Between Oral Health and Alzheimer's
March 8, 2019
A Dentist in Toledo Explains Why Fluoride Is So Important
February 28, 2019
Do you want to keep your teeth as healthy as possible in between visits to your dentist in Toledo? Getting enough fluoride is essential. Otherwise your teeth will be at heightened risk for enamel loss and cavities. Fortunately, it's easy to get the fluoride you need from unfiltered tap water, major toothpaste brands, or dentist-prescribed treatments. There's nothing more natural, or more beneficial to dental health, than this humble product.
DDS Versus DMD: Does It Make a Difference When Choosing a Dentist in Toledo?
January 19, 2019
It pays to do your research when looking for the right dentist in Toledo. Office location, areas of expertise, and convenient hours are all important factors. Some things are less critical, however. This is especially true when it comes to whether the dentist holds a Doctor of Dental Surgery (DDS) or Doctor of Dental Medicine (DMD degree). Both degrees have essentially the same requirements.
A Peaceful Dental Procedure with Your Sedation Dentist in Toledo
December 15, 2018
For many Americans, the thought of visiting the dentist for any form of care causes anxiety or phobia. Unfortunately, it blocks many of them from receiving the dental care they need. With sedation dentistry, though, they are able to receive treatment without having to endure an uncomfortable visit. Your sedation dentist in Toledo explains the different ways available to calm frayed nerves. Additionally, you'll learn what to expect from each form of sedation dentistry.
How Long Should You Expect Your Teeth Whitening in Toledo to Last?
November 28, 2018
When you have stained teeth, you're always wondering whether other people notice the discoloration. Studies show that, more than likely, the people you encounter will notice the condition of your smile before anything else. With teeth whitening in Toledo, though, the look of your teeth can be rejuvenated. The next concern is how long the results will last after treatment. Read on to find out.
Toothbrush Care Tips from a Dentist in Toledo
October 22, 2018
Seeing your dentist in Toledo for regular cleanings and checkups is a good idea. But exercising good self-care at home is just as important. This includes not only regular brushing and flossing but taking care of your toothbrush as well.
Your Dentist in Toledo Says Drooling Could Be a Sign of This
August 23, 2018
It's embarrassing to wake-up to a wet spot on your pillow after a night of intense snoozing, but your dentist in Toledo says that if drooling is something that you do often, it could be a sign of a greater issue. As you read on, you'll learn what could be the cause of your drooling, what can be done to correct the problem and how to prevent greater issues from arising.
Take a Stand Against Oral Cancer with Your Dentist in Toledo!
April 2, 2018
Dentists all around the country have joined forces to emphasize the importance of preventive care visits in April, as this is National Oral Cancer Awareness Month. This year, over 40,000 people will be diagnosed with this disease. Thus, one of the goals of professionals is to reverse the trend of the rising number of new cases. Your dentist in Toledo is eager to do his part, which is why he encourages you to maintain preventive care visits to get a full oral cancer screening. Learn more about this disease and how you can fight it as you read on.
Why Is My Tongue Orange? Your Family Dentist in Toledo Answers!
March 10, 2018
Everything from orange popsicles to gelatins to hard candies can give your tongue a very distinct, warm hue, but what if your tongue has changed colors and you haven't eaten any of these foods? Should you be concerned? According to your family dentist in Toledo, there are numerous factors that can cause the tongue to turn orange, and some may actually indicate an underlying medical condition. What are they? Read on to learn more. (more…)
Good News! Your Family Dentist in Toledo Calms Anxiety!
February 13, 2018
If you want to improve your oral health, you must visit the dentist! Unfortunately, your dental health doesn't take into consideration your dental fear or how you have anxiety when thinking about sitting in a dental chair. It just understands when your mouth is ridden with plaque and tartar.
Get the dental care you need with the help of sedation from a family dentist in Toledo. Learn more about sedation in this week's blog post!


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Should You Invest in a Tankless Water Heater?
Monday, July, 25th, 2016 at 10:16 pm by Neerings
The traditional, tank-style water heater is still the standard in most homes. These models store dozens of gallons of water and keep it hot at all times so it's ready whenever you need it. For many families, though, a tankless water heater may be a better option. Unlike traditional water heaters, tankless models heat water on demand only when it's needed. There are several benefits to investing in a tankless water heater, but they aren't [Read More...]


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Work yet to do for Osieck
The loss to Scotland wasn't the end of the world but it left Holger Osieck with some big questions to answer going into the next stage of our World Cup qualifying campaign.
The loss to Scotland wasn-t the end of the world but it left Holger Osieck with some big questions to answer going into the next stage of our World Cup qualifying campaign.
First of all, let-s put this game into some perspective: it was a somewhat makeshift squad, missing a number of big names, and Osieck used the game to cast his eye over a some hopefuls.
We should also keep in mind that the majority of the players are still only in club pre-season and so not yet quite firing on all cylinders, on a soaking wet pitch that made the ball difficult to judge and control.
But that-s about it as excuses go. The Socceroos underperformed - Lucas Neill admitted it after the game, as did Osieck, in what was perhaps his grumpiest interview throughout his time as coach of the national team.
Speaking to Fox Sports, the coach said, "It-s not about the result, it-s a matter of the performance and I expected a little bit more.
"Our display today was very, very... humph... basic, let-s call it that."
Yes, he actually 'humphed-, and with good reason.
The Socceroos were sluggish and disorganised in Edinburgh. They started well enough, patient and measured yet always looking to move forward, as has been the style under Osieck.
Mark Bresciano-s stunning strike should have inspired the team to push forward; instead, it did the opposite, as Scotland took advantage of loose balls and poor positional play from the Socceroos, gradually exerting their dominance in the middle of the park.
The goals conceded weren-t the problem - it was the way in which they were conceded.
The usually rock-solid Sasa Ognenovski allowing Jordan Rhodes to get in front of him to angle a sweet header past a stranded Mark Schwarzer; Jason Davidson marking his international debut with an own goal after a series of errors from teammates; weak defending allowing Ross McCormack to get away from two defenders before firing past Adam Federici.
Neill said post-match that these defensive errors didn-t concern him as the team knew what went wrong and would address it before the qualifiers.
But this was the fourth game in a row without a win for Osieck-s side, a run in which they have conceded six goals and scored just two.
And through these fixtures - the 2-0 loss to Denmark, the 0-0 draw with Oman and the 1-1 draw with Japan - it was only the backs-against-the-wall game against Japan in which Australia reached anything near their expected performance level.
That fantastic match proved that we should never count them out, and there is obviously still a long way to go in this qualifying campaign, but if what concerned Osieck about the defeat to Scotland was the performance rather than the result, should the rest of us be worried by the recent displays?
Osieck resisted calls to blood more youngsters against Scotland but he did give a number of fringe Socceroos the chance to stake their claim for a regular berth in the green and gold.
But they did little to suggest they are ready to add real strength in depth to Osieck-s options.
The left side continues to be a problem, with David Carney and Robbie Kruse struggling to have any impact against the Scots.
Scott McDonald got 45 minutes to make an impression but did little to alter his reputation as a passionate and committed but ultimately toothless attacker.
The debutants Jason Davidson and Ryan McGowan fared little better but were not in the position to lift an entire team battling to find any rhythm.
The obvious class of the likes of Bresciano, the livewire Holman, the increasingly impressive Rhys Williams and Alex Brosque, whose movement leading the line revealed just how his game has developed during his time in Asia, illustrated that the Socceroos still possess individuals of real quality.
But who outside that first-choice XI has shown himself ready to step up? And with two qualifiers coming in September and October, both in the Middle East, Osieck himself has a lot to do to raise the consistency of his side-s performance.
The Socceroos could only draw with Oman back in June - we need more than that against Jordan and Iraq to stay in touch with Japan.
The views expressed in this article are solely those of the author and do not reflect those of of FFA or the Socceroos.
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Hygiene Products are Non-Returnable
Hygiene products which relate to personal hygiene and self care are generally non-returnable. Hygiene products, toileting products, bathroom products, body braces, foam cushions, wheelchair cushions, stockings, splints and products that come in contact with the body; cannot be returned
Hygiene products which are non-returnable are indicated as non-returnable on the product-end-web-page.
Max User Weight (Kg): 120.0
Seat Width (cm): 36.0
Seat Depth (cm): 42.5
Seat Height min (cm): 6.0
Seat Height max (cm): 15.0
Height (cm): 38
Length (cm): 49
Width (cm): 59
Product Weight (kg): 5


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Tu B'Shevat - Jan 18 Seder
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Please join us on Friday, January 18 for an interactive celebration of the New Year of the Trees! We will eat bountiful foods and ponder our legacy for the State of Israel and Planet Earth.
On the menu:
Tu B'Shevat salad: bib lettuce tossed with apples, pears, raisins, and grapes served with a pomegranate dressing, mushroom barley soup, veggie stacks, confetti rice, cheesecake, salted caramel cookies.
The Friday Night LIVE series is sponsored by the Henry and Sylvia Yaschik Foundation
Register online here.
Sun, April 21 2019 16 Nisan 5779