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martedì 11 marzo 2014

7 Reasons Why Junior Farmer Schools Hold Promise for African Youth

7 Reasons Why Junior Farmer Schools Hold Promise for African Youth



“You can study and still not find a job, but if you can farm, you can go and do something for yourself.” Francisco, 15Young people in Africa face many obstacles as they enter the world of work, but a junior farming program is helping to clear their paths.If Africa is to prosper, its young and rapidly growing labor force must prosper – above all in agriculture. Farming is the continent’s biggest employer and biggest potential engine of economic growth.The generation entering the African labor force now is the most educated ever, say the authors of a new World Bank report, but employment opportunities haven’t improved. Few wage jobs exist. Most young people work for themselves or their families on small farms or in household …



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“You can study and still not find a job, but if you can farm, you can go and do something for yourself.” Francisco, 15


Young people in Africa face many obstacles as they enter the world of work, but a junior farming program is helping to clear their paths.


If Africa is to prosper, its young and rapidly growing labor force must prosper – above all in agriculture. Farming is the continent’s biggest employer and biggest potential engine of economic growth.


The generation entering the African labor force now is the most educated ever, say the authors of a new World Bank report, but employment opportunities haven’t improved. Few wage jobs exist. Most young people work for themselves or their families on small farms or in household businesses. Underemployment in the informal sector is widespread, meaning that young people live in poverty or near poverty even when they work hard in fields and shops.


Started by the U.N. Food and Agriculture Organization in 2003, Junior Farmer Field and Life Schools have given life-enhancing skills to 20,000 12- to 18-year-olds across 20 countries. Here are seven reasons for their success in preparing youth to build better livelihoods:


1. The schools bridge the gap between supply and demand for vocational training.

Most young people in rural areas don’t get past primary school. But Africa’s few formal agricultural schools and programs require at least some secondary education. In Junior Farmer Schools, young people who have no other avenue to vocational training learn modern farming skills.


2. The schools complement formal education.

Literacy and numeracy lead to better farm incomes, in part because they provide the foundation for learning modern farming techniques. Since Junior Farmer Schools offer vocational training after school hours and admit only 12- to 18-year-olds, they don’t compete with the formal education system. In fact, some are based in primary schools, where they have helped boost enrollment, attendance and performance.


3. The schools minimize opportunity costs.

Though classes are free, they require a modest investment of time. The weekly commitment of about 10 hours over a few days allows young people to go to school or work full time on a farm or in a household business.


4. The schools build a broad range of skills that enhance productivity.

Young people learn about modern farming practices, including pest management, soil and water conservation, horticulture and livestock management. But farming skills alone won’t enable them to seize opportunities and face challenges and risks in their lives. So the curriculum also builds life skills, such as nutrition, child rights and protection, HIV/AIDS prevention and gender awareness as well as business skills like budgeting and marketing. Vocational and life skill topics are creatively integrated in the curriculum. For example, units on soil fertility are paired with units on nutrition. And participatory learning methods help build critical thinking and behavioral skills, like self-confidence.


5. The schools help bring the poorest and most vulnerable young people into the mainstream of economic and community life.

Rural youth lack access to opportunities, services and networks. This is especially true for girls, young people who are out of school, and orphans. Tragically, Africa’s HIV/AIDS epidemic is creating a growing population of orphans who don’t have parents to teach them farming and other skills. Junior Farmer Schools target young people who tend to be excluded because of their age, sex and social status. Communities select an equal number of boys and girls while giving priority to those who are orphans or out of school.


6. The schools are community-driven.

The Food and Agriculture Organization and its government and U.N. partners provide technical and financial support to schools. But local communities and volunteers run them – sourcing plots of land, recruiting facilitators, selecting young people, assessing training needs, choosing the curriculum and monitoring and evaluating their progress. Communities tailor the program to local needs, assess and improve its effectiveness, and support schools with in-kind contributions. This decentralized approach fosters relevance and accountability while helping to reduce costs.


7. The schools help graduates move on to the next stage of their journey to decent livelihoods.

In their second year, participants apply and build on business skills gained in the first. Teachers guide them through the process of becoming entrepreneurs — identifying opportunities and risks, creating business plans, and connecting with information and resources in the community. Resources may include markets, role models, microcredit, further vocational training in Farmer Field Schools (a kind of adult counterpart to Junior Farmer Schools), farmer groups, and relevant government services and programs.


Of course, young people in rural Africa need an environment of opportunity as well as skills to better their lives. Major new public and private investments are vital — in agricultural research and technology, value chains, access to credit, irrigation systems, and roads for transporting goods to markets.


These investments must come from African leaders, donors in the developed world, and multinational and African companies. To judge by the plans and activities of the African Union, the Global Food and Agricultural Security Program set up by the G-20, and the Grow Africa partnership, the investment outlook for agriculture is promising.


Junior Farmer Field and Life Schools show that investing in the skills of young farmers makes good economic sense, even to poor rural communities. Now it’s time to expand the program so that young people can create a better future for themselves and for Africa.






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sabato 1 febbraio 2014

Thinking Private School? Look beyond FAFSA.

Thinking Private School? Look beyond FAFSA.



This is the time of year when students and parents are running around the house, gathering financial information, receipts and pay stubs in order to complete the Free Application for Federal Student Aid (FAFSA). While the need for an annual round of the FAFSA Tango is generally well known, there’s another financial aid application out there that more and more schools are using: The College Board’s CSS/Financial Aid PROFILE. Nearly 400 private colleges and universities require students to submit a CSS/Financial Aid PROFILE — I’m just going to call it “the CSS” from here on out — in order to determine non-federal aid eligibility. CSS/Financial Aid PROFILE Overview Schools that require students to file a CSS use the information they…



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This is the time of year when students and parents are running around the house, gathering financial information, receipts and pay stubs in order to complete the Free Application for Federal Student Aid (FAFSA). While the need for an annual round of the FAFSA Tango is generally well known, there’s another financial aid application out there that more and more schools are using: The College Board’s CSS/Financial Aid PROFILE. Nearly 400 private colleges and universities require students to submit a CSS/Financial Aid PROFILE — I’m just going to call it “the CSS” from here on out — in order to determine non-federal aid eligibility.


CSS/Financial Aid PROFILE Overview


Schools that require students to file a CSS use the information they gather to administer grants, scholarships and private loans. Because these types of aid funds tend to be more competitive — and therefore run out more quickly — the deadline for getting your CSS in to the school tends to come up sooner than that of the FAFSA. The deadlines vary by school, so be sure to ask if your school needs you to fill out a CSS and when it is due. Unlike the FAFSA, you can fill out and submit your CSS in the fall for the next academic year.


One more thing to keep in mind, particularly if you’re a prospective freshman applying to multiple schools, is that the CSS is not free (unlike FAFSA). The cost for submitting a CSS is $5 plus $18 for each school or scholarship program you send the CSS to. This is another argument for making a decision about where you’re attending school as early as possible.


CSS/Financial Aid PROFILE Tips


The CSS is available as an online application. Before you start, however, the College Board recommends you gather all the necessary information in order to make the process go more smoothly. Before you sit down at the computer, gather up:



  • Your current year federal income tax return(s), if completed;

  • Last year’s federal income tax return(s);

  • W-2 forms and other records of money earned last year;

  • Records of untaxed income and benefits for the last two tax years;

  • Current bank statements;

  • Current mortgage information;

  • Records of savings, stocks, bonds, trusts, and other investments;

  • In the case of divorced parents, the noncustodial parent’s email address.


While it’s usually a better bet to have your taxes filed before completing the CSS, the earlier deadlines and the need to get your application in early may not always make this a feasible option. You can always estimate your income using pay stubs, W-2s and last year’s taxes.


For students whose parents are divorced, the custodial parent should fill out the CSS. However, unlike colleges that look only at the FAFSA, schools that use the CSS may require additional financial information from the non-custodial parent. The CSS also requires a minimum financial contribution from the student, which is also a departure from FAFSA.


One thing that can work to students’ advantages is that the CSS leaves much more of the eligibility decisions to the professional judgment of the individual colleges’ financial aid administrators. This allows more leeway for you to describe your own specific financial situation and not simply be pegged as an EFC and left at that.


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sabato 26 ottobre 2013

Why They Won’t Teach Personal Finance in Schools

Why They Won’t Teach Personal Finance in Schools



Why They Won’t Teach Personal Finance in Schools Leave a Reply Cancel reply About UsWelcome to BetterLoanChoice Contact us!If you can’t find the answer to your questions, please contact us!by phone: 888-765-1158by email: info@betterloanchoice.comor by our: Contact Page16192 Coastal HighwayLewes, DE 19958Loan CalculatorQuick LinksHere are our most popular linksApply Now FAQ Privacy Terms of Service Responsible Lending Articles Copyrights © BetterLoanChoice.com 2011-2013. All rights reserved. via BetterLoanChoice.com Articles:Managing personal finances intelligently isn’t something everyone is born knowing how to do. Young people pick up habits from their parents, peers, and the media. If these influences display poor money management, then the young people will probably head in the same direction. Getting off on the wrong foot often means thousands of dollars of …



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Why They Won’t Teach Personal Finance in Schools



Leave a Reply Cancel reply About UsWelcome to BetterLoanChoice Contact us!If you can’t find the answer to your questions, please contact us!by phone: 888-765-1158by email: info@betterloanchoice.comor by our: Contact Page16192 Coastal HighwayLewes, DE 19958Loan CalculatorQuick LinksHere are our most popular linksApply Now FAQ Privacy Terms of Service Responsible Lending Articles Copyrights © BetterLoanChoice.com 2011-2013. All rights reserved.



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Managing personal finances intelligently isn’t something everyone is born knowing how to do. Young people pick up habits from their parents, peers, and the media. If these influences display poor money management, then the young people will probably head in the same direction. Getting off on the wrong foot often means thousands of dollars of [...]


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