CAIRNS BLUES FESTIVAL CHILDREN'S PROGRAM PRESENTED BY HEYDAY FESTIVAL & CHEEKY MONKEY CLUB 11am - 5pm CHEEKY MONKEY PERFORMANCE AT 1PM - Art & Craft with colouring-in sheets; play dough; and chalk art (ongoing throughout the. ![]()
THURSDAY 4 AUGUST 2016 ~ 7pm to 10. She is joined by the legendary Tommy See Poy on piano and voice from Cairns performing an eclectic mix from Jazz evergreens to soulful Blues: ACT 2 – 8.15pm to 10. Facebook. Entfernen. Wir verwenden Cookies, um Inhalte zu personalisieren, Werbeanzeigen ma. Wenn du auf unsere Webseite klickst oder hier navigierst, stimmst du der Erfassung von Informationen durch Cookies auf und au. Weitere Informationen zu unseren Cookies und dazu, wie du die Kontrolle dar. However, just to make life a little bit easier, here are the top 1. Tropical Zoo. There is so much wildlife in Australia that it makes perfect sense to see as much as possible of it in a controlled way. The tropical zoo has various wildlife shows every single day including your chance to get quite up close and personal to some native species. It is a five star attraction and perfect for all of the family. Rainforestation Nature Park. This is a short ride outside of Cairns, but it is an absolute must. You get to visit a real rainforest, with this park covering 1. If you love nature, then you are going to love this. Skyrail Rainforest Cableway. Situated on the outskirts of Cairns, this Skyrail rainforest cableway is going to give you a new perspective on the local area. It takes you on a ride that covers 7. Of course you should avoid if you have a fear of heights, but if you go on there do remember your camera. Kurandu Scenic Railway. This railway goes from Cairns to Kurandu and to say that it goes through sone stunning scenery is a bit of an understatement. You pass through rainforest, waterfalls, and some wonderfully rugged mountains and who could turn down the chance tobsee all of that? The journey may not be that long, but it is worth it. Great Barrier Reef. Is it possible for you to visit this part of the world and not check out the Great Barrier Reef? There is not much else that needs to be said about this, but you should seriously consider going on boat tours or perhaps some scuba diving in order to check it out closer up. Barron Gorge National Park. This place is cool and even though you have a bit of a journey to get there it really is an absolute must. This place is huge with a massive waterfall and so many areas to explore. It is great for hiking and the scenery is spectacular. Fitzroy Island. This island is a national park and it is located some 2. Cairns. It is well worth visiting even just to see its coral reef that surrounds this tropical island that also has its own rainforest on its interior. There is also a fabulous resort and it is also an enjoyable 4. Palm Cove. Palm Cove is 2. Cairns, but if you want a classical tropical beach complete with palm trees, then this is the place for you. The sand is amazing, it is pretty quiet, the views are outstanding, and the weather is always going to be perfect. Is there a better place to be? Australian Butterfly Sanctuary. If you have a family, then what better place to take them than to the Australian butterfly sanctuary? It is situated in the heart of Kuranda and it is full of these amazing insects that will leave your little kid speechless. Adventure North’s Daintree Dreaming tour. The Aborigines have been in this area for thousands of years, so it makes sense to spend some time learning about their history and culture. That means that you should go on the Daintree Dreaming tour and perhaps think about an overnight safari along with guided talks and tours by Aborigine elders. You will have to have to spend a lot in order to keep your home cool if your home is not designed for the climate. This is true, especially during the long hot summer. Of all the investments you make, your home is the biggest investment. This is why it is very important to think about how you can increase the value of your home, save money spent on running costs and have a home which is very comfortable to live in. By making your home cool, you can achieve all this without having to pay more than a standard home. You will also feel good having such kind of home because you will have reduced the demand on resources and reduced environmental footprint. This guide is meant to help you work with your designer or architect and builder to enable you incorporate tropical design features into your home right from the contemporary block home to the popular Queenslander and anything else in between. Whether you are renovating your existing home or building a new one, this information was written with you in mind to help you make your home cool. The Cairns region is usually wet from December to April and dry from the month of May to November. During the hot summer wet season, Cairns experiences prevailing north and north- easterly breezes. The region experiences south and south- easterly trade winds the whole year. The region experiences temperatures of between 2. This can make living conditions uncomfortable and make it hard to keep the home environment cool. Therefore, it is very important to design a home that keeps out heat and maximizes opportunities for cooling breezes. Well- designed outdoor living areas in tropical areas are among the most popular rooms. The outdoor area needs to be open to prevailing breezes and should also have an insulated roof to stay cool. You should plan shading in outdoor areas to offer protection from the rain and the sun. It should include things like sails, pergolas, awnings and verandas. Vegetation in outdoor areas can provide shading and breeze filtering which can help enhance the view.– Install some Sydney outdoor blinds on your patio. These blinds will protect your patio from the sun and help shade it, these work really well when combined with an outdoor fan.– Create weatherproof, well ventilated outdoor living areas that can easily be accessed from the rest of the house. To make the most of these spaces, you should install screens, fans and power outlets.– Increase the indoor- outdoor connection of your home by opening on to courtyards, verandas, and tropical gardens with large doors and windows.– Use eaves to provide protection to outdoor living areas from rain and make them livable all year round.– Large shade trees can make the outdoor areas cool and filter breezes.– Courtyard spaces between pavilions create useable outdoor spaces and provide access for breezes to enter the home. Most of us would love to go on a break, but with these 1. By working with different plants, colours, textures and accessories, you can turn your backyard into the tropical retreat you’ve always dreamt of! Plants. Use Members of the Orchid Family. The orchid family consists of a diverse range of brightly coloured, exotic looking flowers that are certain to create a tropical atmosphere in your garden. No matter where you decide to put them (hanging in baskets from tree branches, or amid the foliage), they’ll remind you of your favourite vacation destinations! Large Leaves Look Luscious. Plants with large leaves add a dramatic effect to your garden. They are reminiscent of rain forests and jungles, and always invoke a certain mystery about what’s hiding underneath them. Hostas and Ligularia, on the smaller side of larger leaves, fit into any garden perfectly, without over- powering the other plants! Layer Your Plants. Layering your plants, not only by textures, but also by size, can add an interesting effect to your garden, and can be used to cover unwanted objects and distracting features like a neighbour’s property or wall. Colours. Combine Different Coloured Foliage. In tropical climates, leaves can often be just as colourful as flowers! Using foliage as a source of colour is a great way to vary your plants and to avoid over- using different flowers just to get more colour into your backyard. Foliage also doesn’t rely on a bloom cycle and is therefore a more permanent fixture than many flowers. Copper Leaf and Persian Shield are perfect examples of these. Bright Vines Make a Difference. Many vines native to the tropics flourish equally well in more temperate- zones; passion flowers and golden trumpets are great examples of vines that can add bursts of colour to walls, and fixtures! Bright Flowers Attract Bright Butterflies. A colourful garden full of different plants and flowers is more than likely to attract colourful butterflies and birds to your garden . What’s a tropical retreat without some exotic wildlife?! Go for Green. It may seem obvious, but when it comes to creating a tropical garden, or any garden for that matter, the greener the better. It has a calming, fresh effect that makes you want to spend more time outside, even on some hot summer days. Add plants that provide some shade, for example philodendrons with large leaves. Textures. Textures Add Range and Diversity. Layering different textures, colours, shapes and sizes is an essential component to any garden design. Combining leaves with long ridged edges with a plant with more smoothly textured, round leaves can have a surprisingly exotic effect! Mixing different textures also adds to your garden a certain spontaneity reminiscent of tropical jungles! Building real timber structures that use native timber instead of steel will add a huge amount character to your yard while mimicking the natural environment. Bali Huts in Brisbane have recently become extremely popular, with people putting these amazing thatched roof gazebos in their pool areas and . Whether it’s made available in a waterfall or as a longer water feature, there’s something about the sound and look of water flowing that’ll make you imagine a stream in the middle of a rain forest! Add Stones. Create a natural looking pavement with any stones that are available to you; they add a more authentic feel to your garden. You can match the stones to your garden and plants, as well as to your home’s exterior. Now that you know the basics, improvise using these points as guidelines and follow your instincts! Don’t be afraid to experiment ! Aboriginal and Torres Strait Islanders only make up a small percentage of the Australian population, but their culture and traditions are being kept alive by dedicated indigenous communities throughout the country. One of those communities is the people Tjapukai people of Kuranda. Opened in 1. 98. 7, the park is a 2. Australia. You will also be able to experience things like dance and music (something that is central to the indigenous way of life) including learning how to play a didgeridoo.
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Magazine. For more than twenty years, microcredit has been widely heralded as the remedy for world poverty. Recent news stories, however, have sullied microcredit’s glowing reputation with reports on scandals, exorbitant compensation to managers, skyrocketing interest rates, and aggressive marketing schemes. Once praised as a universal panacea, microlenders are now being widely attacked as predatory loan sharks. In December 2. 01. Sheik Hasina Wazed, the prime minister of Bangladesh and former microcredit advocate, accused microcredit programs of “sucking blood from the poor in the name of poverty alleviation.”What happened? It turns out there are two very different models of microcredit. ACCION USA is one of the largest US microlenders. Through microcredit programs. When Small is Big: Microcredit and Economic Development. Similar programs are evolving in Africa and Southeast Asia with the assistance of organizations like. Some argue that microcredit empowers women. About Us; Contact Us; Founder; FAQ. What is Microcredit; Business Unsecured Loans; Breaking News. Microcredit program; Programs. Microcredit programs in developing countries now include other. Five microcredit programs innovate to break the cycle of. Or just give us a rating for. Arizona Microcredit Initiative is a 501(c)3 nonprofit providing business education, consulting and small loans. Arizona Microcredit Initiative is a. Team Canada; Team Sri Lanka; Project History; Get Involved. This man borrowed money from the Rose Microcredit Program to plant a vegetable garden. What Works: Microcredit. Microcredit is the lending of small loans to the very poor. Module 6: Microfinance and Education. Microcredit interventions that involve education. ![]() As Muhammad Yunus, winner of the 2. Nobel Prize, pointed out in his January 1. New York Times op- ed, one type of microcredit program is designed to serve the poor; another to maximize financial returns to program managers and Wall Street investors. The differences raise crucial questions for the future directions of microfinance. They also help us see where the banking system here in the United States went off course and how we must restructure it to support prosperous Main Street economies. Grameen as a Model Community Bank In 1. ![]() Yunus founded the Grameen Bank, universally cited as the inspiration and model for the global microcredit movement. His purpose was to improve the lives of millions of poor Bangladeshis by making small loans to poor women to fund income- generating microbusinesses. The basis for the Grameen Bank’s worldwide renown lies in a number of key characteristics that are not widely understood. Most local branches are self- funded by deposits of their local members in taka, the Bangladesh national currency. By serving as a depository for its members, Grameen Bank allows the poor to build their own financial asset base. The bank extends loans to its members at a maximum interest rate of 2. Operating on a cooperative model, profits are redistributed to the Grameen Bank’s owner- members or are invested in community projects. These features root the Grameen Bank in the community it serves and keep money, including interest payments, continuously circulating locally to facilitate productive local exchange and build real community wealth. Microcredit programs seeking to replicate the Grameen model have spread rapidly across the globe. Most, however, replicate only the loan feature. Few provide their members with depository services or replicate the Grameen Bank’s other defining features, though these features are central to its commitment to community wealth building. The Turn to Wall Street. As microlending programs became increasingly focused on repayment rates and growing the size of their loan portfolios, they looked for new sources of capital to expand their reach. With encouragement from foreign philanthropists, many turned to foreign commercial equity investors. Since private equity conflicts with the nonprofit model, sometime around 2. One such micro- finance program was Compartamos in Mexico, which in 2. According to a New York Times article, it charged its borrowers an annual interest rate of near 9. Mexican commercial banks. This made Compartamos highly attractive to private equity investors. The public offering brought in $4. Mexican investors, including the bank’s top executives, pocketed $1. For the groups that turned to Wall Street for financing, the line. Another example is SKS Microfinance in India, whose initial public offering in August 2. Yunus describes the consequences of such conversions and public sales: To ensure that the small loans would be profitable for their shareholders, such banks needed to raise interest rates and engage in aggressive marketing and loan collection. The kind of empathy that had once been shown toward borrowers when the lenders were nonprofits disappeared. For the groups that turned to Wall Street for financing, the line between social purpose microcredit and predatory loan sharking began to disappear, with some programs charging annual interests rates of more than 1. Programs that had raised philanthropic funding to help put money into poor communities became vehicles for sucking wealth out of them to generate financial profits for already wealthy people. Follow the Money. Apologists argue that so long as the Wall Street- funded microcredit programs charge interest rates lower than the local money lenders, they still benefit the poor. Tara Thiagarajan, Chairperson of Madura Micro Finance, a for- profit microcredit program in India, followed the money and challenged this premise in a thoughtful and self- critical blog: The local moneylender . So potentially, local lending at higher rates could be more beneficial to the village if the money is in turn spent in the village, compared to lower rates where the money leaves the village. Because foreign private equity investors expect to recover their investment plus a perpetual flow of profits, the contradictions go even deeper than what Thiagrarajan outlined. Say an equity investor in the United States buys shares in a microcredit program in India. The investor pays for the shares in U. S. The microlender, however, does business in Indian rupees. The dollars, therefore, are exchanged for rupees in the foreign exchange market and become part of India’s foreign exchange pool, which funds consumer imports, machinery, foreign scholarships, capital flight, arms imports, foreign travel, and whatever other uses India may have for dollars—virtually none of which benefit the poor. A small short- term economic gain can come at a large long- term cost when it is funded with outside debt or equity. If the microlender meets its profit projections, this creates claims by the foreign investors on India’s foreign exchange reserves potentially many times the amount of the original investment. To fulfill this obligation, India must produce goods and service for sale abroad or sell or mortgage additional assets to foreigners, which creates still greater claims against future foreign exchange earnings. The community in which the borrowers reside will be dealing only in rupees, but faces a similar external drain on its resources to meet the borrowers’ obligations to the lending organization. Say the microlending supported an increase in village food production. Rather than improving the diets of the workers who produce it, however, a portion of their additional production must be sold to outsiders to generate the rupees to repay their debts. In return for a short- term inflow of money, both India and the village bind themselves to a long- term outflow of money and real wealth. It is an insidious dynamic that supports a classic pattern of colonization and wealth concentration long characteristic of foreign equity investment and loan funded foreign aid. A small short- term economic gain can come at a large long- term cost when it is funded with outside debt or equity. A Lesson for the Rest of Us. The microcredit experience brings to light a larger principle: the institutional structure of a financial system determines where money flows and who benefits. In short, structure determines purpose. The transformation of microcredit institutions from a model that serves communities to a model that is “sucking blood from the poor in the name of poverty alleviation” mirrors a similar transformation of the U. S. They were organized and managed to serve the financial needs of the communities in which they were located and kept money flowing within the community in service to community needs. Banking deregulation over the past 3. Wall Street banks devoted to maximizing financial returns to Wall Street bankers and financiers. Rather than supporting local wealth creation, the system now sucks money and real resources out of the community. Both the microcredit experience and the aftermath of the 2. Wall Street financial crash vividly reveal that the values and interests of Wall Street stand in fundamental opposition to those of Main Street. Financial institutions can serve communities in pursuit of a better life for all or they can serve global markets to maximize financial returns to Wall Street bankers and financiers. They cannot serve both. The world does not need more predatory lenders in service to Wall Street. We all need more local, cooperatively owned community banks on the model of Grameen.! Magazine, a national, nonprofit media organization that fuses powerful ideas with practical actions. David is co- founder and board chair of YES!, co- chair of the New Economy Working Group, president of the People- Centered Development Forum, and a founding board member of the Business Alliance for Local Living Economies (BALLE). 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Now the patch 2.0.4 is live, I will not be maintaining the software, because you can relocalize your client however way you want with the brand new launcher options. Here is where you can change your language in the new WoL client. StarCraft II Patch 3.6.0 A patch meant to fix one or more bugs from within the game ensuring you have an enjoyable experience Sep 14th 2016, 14:33 GMT RTS. ![]() Developer comments: After last patch’s improvements to RIP- Tire, the speed at which Junkrat could activate his Ultimate was too frequent in comparison. Since RIP- Tire now has a much higher impact, we’ve adjusted the cost of his Ultimate to reflect that. The goal here is to let L. Mei. Endothermic Blaster. Alternative Fire Projectile speed increased by 5. Fire rate increased by 2. Ammunition cost reduced from 4. Starcraft 2 Beta: Patch ver. Der Patch wird automatisch Work In Progress Melee Maps . Covert Ops available for Pre-purchase now Custom Campaign Initiative Fezvez's' Co-op guide and hero review Brood War. StarCraft for PC Cheats - IGN has all the codes, cheat codes, unlockables, easter eggs, achievements. StarCraft Cheats & Codes All . Features: Fast-paced, hard-hitting. Developer comments: In an ideal world, Mei is selected for her control and resilience, rather than her damage output. That said, we felt that there was still room to give her more consistent damage without compromising these goals. These changes are pretty significant, so we’ll be watching their impact closely. Zenyatta. Orb of Harmony and Orb of Discord will no longer stack with each other. Transcendence. Ultimate charge cost increased by 2. Developer comments: Zenyatta’s “orb stacking” could cause some degenerate situations—such as a player becoming nearly un- killable if he or she had several Orbs of Harmony buffs active at the same time. BUG FIXES: Spectating. 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