Failing My Way to Success

Barclay Okari Sharing His Entrepreneurship Story

Experiencing instabilities earlier on in my life made me aware of my environment at a young age and drove the desire in me in wanting to be self-reliant. Being young and exposed to entrepreneurial adults around me, I fell in love with entrepreneurship and knew that I had found my calling.

At the age of 11, I was working at a cereal grain store recording and supervising sales. I started saving money to build up capital for a business I had in mind. I saved for three years and started my first internet company SkypeScience, a video sharing website for science ideas, at the age of 15.

Read more at YouthTech 

 

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Microcredit Summit Campaign to celebrate Global Money Week 2014

b2ap3_thumbnail_microcredit-summit-campaign-logo.jpg

The Microcredit Summit Campaign celebrates Global Money Week 2014 (March 10th to 17th) together with Child and Youth Finance International (CYFI) to raise awareness of the importance of financial education and financial inclusion for children and youth.

The Campaign invites its members to join in the celebration and raise maximum awareness for child and youth financial empowerment and inclusion. Global Money Week 2014 will take place from March 10th to 17th and is expected to surpass the celebrations in 2013 in which 400+ organizations from 80 countries reached more than 1 million children and youth.

Follow Global Money Week on Twitter @GlobalMoneyWeek and use the keywords, #GMW2014 and #GlobalMoneyWeek

See more at:

http://www.microcreditsummit.org/news/47/microcredit-summit-campaign-and-child.html#sthash.nxv2WBKv.dpuf

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Youth Webinars for GlobalMoneyWeek

Youth Webinars for GlobalMoneyWeek

Finance & Me

Youth are invited to join two dedicated webinars focused on Global Money Week 2014 on Thursday 30 January.

The webinars, led by Child & Youth Finance's youth team, will provide the opportunity for young people to learn about Global Money Week, share their ideas for activities and events, and make a number of online resources available to help in planning events and engaging businesses and adults.

Suggestions for youth include:

  • organizing visits to stock exchanges, central banks, commercial banks, shops and other local businesses to learn about how businesses work and careers;
  • joining international activities (via CYFI) to speak about money with youths from other countries;
  • holding local fundraisers to support youth groups, youth sports, and young entrepreneurs;
  • encouraging teachers and youth group leaders to organize Global Money Week events in your community;

For more information and to join the webinars, please visit the Finance and Me facebook page.

For more information about Global Money Week, please visit GlobalMoneyWeek.org

About Finance and Me

"Finance and Me" is a series of dedicated youth-focused online resources which are provided by Child & Youth Finance International.  FinanceandMe provides all young people who are interested in the Child & Youth Finance Movement the opportunity to get involved, share their voice with leading policymakers, and to Reshape teh Future of Finance. 

Website:  FinanceandMe.org

Facebook:  @FinanceandMe

Twitter:  @FinanceandMe

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Watch ! Next Billion Google Hangout with Jeroo

Watch !  Next Billion Google Hangout with Jeroo

Child & Youth Finance Founder and Managing Director Jeroo Billimoria was the guest of NextBillion.net editor James Militzer for a special Google Hangout. The hangout was streamed live on 29 January.

 

 

NextBillion.net is a website and blog bringing together the community of business leaders, social entrepreneurs, NGOs, policy makers and academics who want to explore the connection between development and enterprise.

James and Jeroo covered a wide range of topics during the Hangout including financial inclusion and financial access for children and youth as well as insights into Jeroo's work as a social entrepreneur including Meljol, Childline India, ChildHelpLine International, and Aflatoun. Key moments came as Jeroo mentioned the challenges of youth financial access and encouraging more financial institutions to offer child-friendly savings accounts for young people.

The discussion comes right on the heels of Davos #WEF2014, where financial inclusion was one of the main discussion points.

 

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Bankaroo – A Virtual Banking App developed by an 11 year old

Danielle wanted to build a website and a mobile application that will help parents teach kids about the value of money, as well as help them manage their allowance, gift and chores money.

This was the inception of the bankaroo idea.

She came up with bankaroo (http://www.bankaroo.com), a free service that is a virtual bank for kids money, where they can save up for goals, use money for different things while their parents can add allowance, chore and gift money into their virtual account. The real money stays in the parents’ wallets, but the virtual representation of it is very real.

Read more

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Efforts to Advance Financial Inclusion of Children and Youth Get Boost

Press Release

Efforts to Advance Financial Inclusion of Children and Youth Get Boost

MasterCard and Child & Youth Finance International Announce Strategic Partnership

To tweet this news, copy and paste http://mstr.cd/1kU3KA0 to your Twitter handle with the hashtag #FinancialInclusion

PURCHASE / AMSTERDAM – January 21, 2014MasterCard (NYSE: MA) and Child & Youth Finance International (CYFI) today announced a global strategic partnership aimed at advancing financial capabilities of children and youth.

Of the 2.2 billion children1 in the world less than 1 percent2 has access to any form of financial education, often exposing them to potential exploitation. MasterCard and CYFI share the belief that enabling financial inclusion and education is critical for promoting the economic and social livelihood of children and youth around the globe.

As one of their first actions, MasterCard and CYFI have joined forces to develop guidelines for responsible financial products for children and youth. These guidelines build on the Children’s Rights and Business Principles adopted by UNICEF and are meant to provide practical orientation for banks that want to serve a younger demographic. The guide will be published this spring and made available to financial institutions, NGOs and government entities.

Comments Ajay Banga, MasterCard President and CEO: “We share CYFI’s vision that every child and youth has a right to safe, accessible financial services and are honored to bring our expertise and experience to this partnership, empowering the young generation to grow into productive economic citizens.”

Jeroo Billimoria, CYFI Managing Director, states: “Roughly half of the world’s population is under the age of 25 – and it takes a broad effort to building up their financial capabilities. We are delighted that MasterCard, a trail-blazer for financial inclusion, is supporting us in our goal to reach 100 million children and youth in 100 countries by 2015.”

Apart from raising general awareness for the specific needs of children and youth, MasterCard and CYFI will partner to define and execute concrete strategies that advance financial inclusion and education. Both MasterCard and CYFI acknowledge the key role that public-private-partnerships can play in furthering this goal and are committed to working together with businesses, governments and NGOs.

About Child & Youth Finance International

Child and Youth Finance International (CYFI) is a non-profit organization established in July 2011 and based in Amsterdam. The organization focuses on increasing financial inclusion and education for children and youth, so that every child can graduate from primary school with financial education and a savings account they own and operate. The target for CYFI’s global movement, launched in April 2012, is to reach 100 million children in a hundred countries by 2015. Child and Youth Finance International has more than 1,000 stakeholders, and the movement has reached over 18,700,000 children around the world, through 140 programs. CYFI has built global knowledge and shares resources on best practices and industry research. More information about the organization is available at www.childfinanceinternational.org. Follow us on Twitter @ChildFinance. Join us for Global Money Week 10-17 March, www.globalmoneyweek.org @GlobalMoneyWeek

About MasterCard

MasterCard (NYSE: MA), http://www.mastercard.com, is a technology company in the global payments industry. We operate the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. MasterCard’s products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone. Follow us on Twitter @MasterCardNews, join the discussion on the Cashless Pioneers Blog and subscribe for the latest news on the Engagement Bureau.

Media Contacts:

Bernhard Mors
MasterCard Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Phone: +1 914 325 9676

Robin Willing
Child and Youth Finance International
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Phone: +31 20 5203 900

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Banking a New Generation - Developing Responsible Financial Products for Children and Youth Public Consultation

A Product Development Guide for the development of Child & Youth Friendly Financial Products

Public Consultation Period

 

Authors: Child & Youth Finance International and MasterCard Worldwide

Child & Youth Finance International (CYFI) and MasterCard Worldwide plan to publish a publicly available resource for major financial institutions around the globe supporting them in their design and development of Child and Youth Friendly financial products. The guide will offer a clear and convincing value proposition to address the child and youth segment and a range of suggestions and insights to support financial institutions in designing and developing financial products that respect and support children’s rights.

The final version of the guide will present case studies of a range of leading financial institutions with financial products for children and youth, elements of which exemplify good practice.

The authors invite all interested parties for their feedback and input during a public consultation period beginning 22 January 2013.

 

Feedback Process

During the period of Wednesday 22 January until Tuesday 4 February, close of business, organizations and individuals will have the opportunity to provide their thoughts, feedback and recommendations for the guide.

Submitted comments and feedback only will be discussed in a webinar scheduled for Wednesday, February 5 at 2pm CET.

A draft version of the guide is now available for downloading on this website using the link below. Comments may be provided via the feedback form.  

Kindly email the completed form to This email address is being protected from spambots. You need JavaScript enabled to view it. on or before Tuesday February 4.

 

Banking a New Generation - Developing Responsible Financial Products for Children and Youth (.pdf)

Feedback Form (.doc)

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goHenry – Helping teens learn how to budget and gain money confidence

Budgeting can be difficult enough for all of us, but it is a skill best learned young. If our children find their pocket money not stretching as far as they’d like, do they know how to manage it? What’s more, with a higher and higher percentage of all teens’ spending happening online, how do parents empower their children to learn great money skills in a totally different spending environment to the one in which they grew up? Let alone providing them with a safe spending solution to use online and in shops.

That’s where goHenry comes in. goHenry is the simple, safe and fun way for young people to learn about managing money in the modern world. The solution includes a cash card for children with parental controls combined with apps that focus on helping children earn, save and spend responsibly whilst making it really easy for parents to manage their children’s pocket money and allowances.

This is how goHenry works: there’s an account for the parent and a linked account for each child, all managed online or through the goHenry iOS and Android apps. Each child gets their very own goHenry card but it’s not a credit or debit card, it’s a Cash Card with rules and spending limits set by the parent. With easy-to-use, graphical educational formats, children can always see how much they have to spend, and more importantly, how their earning and saving relates to their spending – many parents are noticing that because of this their children are turning from super-spenders to savvy-savers. Parents set automatic weekly pocket money payments and tasks to help their children earn extra, make one-off instant money transfers, block the card without a phone call, decide how much can be spent and where the card can be used, and receive real-time notifications on their children’s transactions. Children can set wish lists, create savings goals and get real time balances on their transactions. The goHenry card can be used anywhere Visa is accepted, but only within the rules set by the parent. And because only the money on the card can be spent, there’s no danger of debt or overdraft.

Parents love goHenry because it makes managing their children’s pocket money really easy and turns family money management into a very positive experience. And for their children they are giving them independence and freedom to manage their own money, but under their guidance whilst helping them develop good money habits for life. Many parents are finding that because it allows their children to learn about money by doing it for themselves they are learning really practical money lessons and developing the right kind of money habits.

As children go back to school at the start of 2014 it’s a great time to consider teaching them how to create and stick to a monthly budget and put some aside for a rainy day.

Here are our top tips to help them if they’re feeling the pinch, all of which are really easy to implement using goHenry’s unique solution:

1. Know how much they have
Get your teen to tally up how much pocket money they have. This will give them an idea of the amount of money that they have to work with for the month. This can be done easily using goHenry, as all their saving and spending data is displayed in a really simple and visual way. Remind your teen that they should only account for money they are certain to receive. Counting on money that may or may not come in is a risky strategy and one they should avoid.

2. Calculate ‘fixed’ costs
What are their fixed costs for the month? Anything along the lines of lunches and travel expenses are a fixed cost. Make sure teens account for these expenses first, before spending on less important items like fast food and cinema tickets.

3. Review their spending
Have your teen look back on what they spent their money on during the previous month. Reviewing spending can be a great aid to seeing where their money is going. Work with your teen to show them patterns in their spending. This way they can better understand their finances in order to create a solid budget they can stick to for the next month.

4. Making changes & Impulse spending
Did you notice any habits that are causing them to break their budget? If so, it’s time to make some changes. Help your teen to get into the habit of making short and long-term savings goals before they go shopping to reduce impulse spending. Also encourage them to shop around before buying. They can research the best deals and compare prices online. Have them also think about areas they could cut back on in order to save more each month.

goHenry is perfect for parents with children from 8 upwards. Try goHenry today. Visit www.gohenry.co.uk to get started.
NB – goHenry is currently only available to residents of the UK. Contributed by: goHenry

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Young People Offer Innovative Strategies to Promote Financial Inclusion

While many of us are simply worrying about the challenges ahead, young people are already developing innovative ways to solve them.  Whether it’s spiraling unemployment, air and water pollution, or lack of financial services, this younger generation uses their entrepreneurial mindsets, creative imaginations, and aptitude for technology to promote new strategies for change.

Making sure that those at the bottom of the economic ladder have the resources they need to improve their lives – and even climb out of poverty — is currently the goal of 26-year-old Taufan Putra.  He quit his comfortable job at IBM to devote his time providing affordable financial services to low-income families living in remote rural areas of Indonesia – most of whom live on less than $2 a day. So far, through his organization Amartha Microfinance, he has provided average loans of US$100 to over 3,000 women across the country to help them support their families. “I strongly believe that consistent, systematic and collaborative efforts of all stakeholders will bring poverty alleviation programs to a new level, where we can uplift people out of poverty through empowerment instead of charity” says Putra. In Guatemala, Ruth Degola follows this same mantra. In 2004, at the age of 21, she and Benita Singh co-founded Mercado Global, an organization that links indigenous artisans in rural Guatemalan communities to sales opportunities abroad. The artists have increased their income three-fold through the production of hand-made high-fashion purses and accessories and are now able to send their children to school and enjoy greater financial stability. Said Degola at a recent Clinton Global Initiative interview: “These women are fighters. They are amazing artisans. All they needed was a market.”

Read More at Youthtech.info

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3 Ways Technology is Disrupting Education

 

The technology industry is one of the most dynamic, adaptive and diverse markets one can think of in this current age. To think almost a 100 years ago we were just getting accustomed to Nikola Tesla’s invention of using Electricity to enhance the home, to now, having a computer with almost the same processing power as the human brain is simply astounding. From that time until now, we can clearly see Moore’s Law in full effect, and it won’t be slowing down anytime soon. Theorists predict that within the next 50 years technology will be advancing at such a high pace that it will be next to impossible to keep up with it’s progress, ‘The Singularity’.

Based on the trends and the tendencies of the market currently it is said that we’re stepping into the ‘Age of the Quantified Self’, many persons will be using wearable tech devices, like the Nike Fuel band, more frequently to get detailed information about their bodies in order to help them make better decisions in regards to their health. This era is propelled by ‘The Internet of Things’, where everyday items around the home, workplace, in stores, etc, will be able to give detailed information about the duties they perform.

The Education Industry is not exempt from this type of disruption, and it has gone under several rounds of technological advancement. In this blog I’ll expound on the current state of the Education Industry, ways it will thrive and how technology based learning will change the industry.

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JobsInNigeria – A Job Search Engine in Nigeria

How do you find your job?

The most likely answers one can expect from many of us are: recruitment agency, Internet, newspaper, recommendation from someone, job fair, etc. The fact is, even in developed economies where information seems easily accessible, one can often struggles to find information of available and suitable jobs.

How about in developing continents such as Africa? The region’s rapidly growing economy is creating jobs for many. It is estimated that Africa will create over 54 million “new, stable wage-paying” jobs over the next decade, according to McKinsey Global Institute[1]. However, it remains a great challenge for a majority of workforce in Africa to access job information due to the underdevelopment of facilities around the labor market. Internet is still costly for a majority of population. People living in remote areas face significant barriers to seek any job information and related career support.

Olufuwa Tayo and Dele Bakare, two young Nigerians launched JobsInNigeria in 2012, a job search engine aiming to help job seekers in Nigeria access job information and apply for jobs. One year since its launch, the platform has reached 150,000 users and continues to grow.

Read more

 

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Reshaping the Future of MicroFinance

Microfinance’s greatest opportunity cost: children and youth

Editor's Note: this article originally appeared in 100MillionIdeas.org

Schoolchildren in Colombia interviewed during Global Money Week

Schoolchildren in Colombia interviewed during Global Money Week

Children and youth suffer disproportionately the effects of extreme poverty, yet they are largely left out of the picture in microfinance. This is even more surprising given that they have the greatest potential to develop their financial capacity and become empowered and knowledgeable clients in only a few years time. They are today’s potential and will be tomorrow’s (micro-) entrepreneurs – or not.

In 2010, a staggering 400 million children and youth lived in extreme poverty, and a total 1 billion live in poverty. The effects of extreme poverty on children and youth are exponential: malnourishment and general poor health, in combination with further social and economic exclusion during their formative years, lead to high levels of illiteracy and school dropout rates which consequently cause poor physical and cognitive development. With no or extremely limited access to (formal) financial services, children and youth are not able to build assets or develop a savings/credit score that would increase their chances for later access to (micro)finance services. In later life, these factors severely affect their access to the job market, their ability to set up successful MSMEs, or their access to (micro) loans thereby compounding their chances of producing a successful livelihood. By failing to make relatively small investments in the younger generations, major opportunities are missed.


CYFI and the Campaign: a shared commitment and high-potential partnership

For these reasons, Child and Youth Finance International (CYFI) is very excited about its fresh partnership with the Microcredit Summit Campaign (the Campaign), which we believe reflects a common commitment to change this state of affairs. Formally announced during the October 2013 Partnerships against Poverty Summit in Manila, Philippines, this Commitment holds great potential to reshape the future of microfinance and make it more inclusive to children and youth.

CYFI’s two Commitments to the Microcredit Summit Campaign’s Goal of helping 100 million families lift themselves out of extreme poverty, thereby taking a major step towards the end of extreme poverty by 2030 are: :

  • Supporting the measurement of movement out of poverty by including the collection of client poverty measurement data from partners in our 2014 data collection process, and
  • Seeking to establish 25 action plans for youth inclusivity with national government partners by the end of 2014.

The Campaign has committed to the CYFI 2015 target of reaching 100 million children and youth in 100 countries through safe financial inclusion and financial education by:

  • Incorporating child and youth-inclusive indicators in the annually-collected Institutional Action Plan collected by the Campaign and to record and make that data available to CYFI
  • Collaborating with CYFI to develop partnerships linking both organizations’ overall goals
  • Working with CYFI to collaboratively develop conference and event agendas which incorporate overlapping areas of each organization’s respective agendas

CYFI leads the world’s foremost multi-stakeholder movement on Child and Youth Finance, bringing together government, the private (financial) sector, the social sector, and academia. The Movement’s key goals for 2015 are to give 100 million children and youth access to safe financial services and high quality financial education. Launched in 2011, CYFI has begun collaboration with governments and stakeholders in over 100 countries, and has already reached over 18 million children and youth. Despite its age, CYFI is and has been supported by the European Central Bank, UNICEF and UNCDF, the MasterCard Foundation, MasterCard WorldWide and VISA.


How can you get involved?

CYFI and the Campaign invite, and aim to work closely with, MFIs that would like to move forward their child and youth agenda and develop or scale appropriate financial inclusion programs for this segment. CYFI can support MFIs in their program development through expert support, multi-stakeholder scaling strategy and partnerships, and related knowledge exchange of good practice and lessons learned.

Global Money Week

CYFI and partners ring the NASDAQ opening bell in New York City. In the middle is CYFI Founder and Managing Director Ms. Jeroo Billimoria. To her left is Ms. Susan Davis (BRAC USA) and to her right Mr. Marc Bichler (UNCDF).

CYFI and the Campaign also invite all MFIs to participate in Global Money Week. Global Money Week is a money awareness event which will take place from 10-17 March 2014. During this week, worldwide activities will be held to engage children, youth and their communities to learn how money works, including saving, creating livelihoods, gaining employment, and becoming an entrepreneur.  MFIs can get directly involved by organizing and participating in events in your local communities during #GMW2014. This can take numerous forms, for example:

  1. by directly organizing local GMW money-awareness and/or financial education activities at schools or in your communities;
  2. by initiating local fundraisers to support local schools, charities or financial education projects;
  3. by inviting school classes to company offices so that they can learn about money, careers, and business and entrepreneurship; and/or
  4. by organizing music or sports events with a financial education theme during GMW.

For more information about Global Money Week, please visit the project’s website at www.globalmoneyweek.org. GMW also has a social media presence on Facebook (@GlobalMoneyWeek) and Twitter (@GlobalMoneyWeek).

CYFI looks forward to collaborating with the Campaign and all of its members to drive the global child and youth finance agenda and to reshape the future of microfinance!


For more information, please contact:

Bram Stoffele, Financial Inclusion Manager
Child & Youth Finance International
This email address is being protected from spambots. You need JavaScript enabled to view it.

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Next Billion Google Hangout with Jeroo Billimoria

Child & Youth Finance Founder and Managing Director Jeroo Billimoria will be a special guest of NextBillion editor James Miliitzer for a special Google Hangout.  It is scheduled for 29 January at 10:00 EST / 16:00 CET / 15:00 GMT.

NextBillion.net is a website and blog bringing together the community of business leaders, social entrepreneurs, NGOs, policy makers and academics who want to explore the connection between development and enterprise. It is a discussion forum, networking space and knowledge base for individuals and organizations interested in the "next billion". Their goal is to highlight the development and implementation of business strategies that open opportunities and improve the lives of the world's approximately 4 billion low-income producers and consumers.

if you have any questions that you’d like to ask Jeroo, you can share them in the comments section of the announcement on the NextBillion website here, in an email (This email address is being protected from spambots. You need JavaScript enabled to view it.) or on Twitter (@NextBillionFI). We’ll ask as many audience questions as possible in the interview, but depending on the response, we may have to do so on a first-come/first-served basis. So please submit your questions ASAP.

You can watch the interview live on NextBillion Financial Innovation on 29 Jan at 10:00 EST / 16:00 CET / 15:00 GMT. The video will start automatically, and it will be streamed and recorded to YouTube. The recorded video will remain embedded in this post, so you can view it at your convenience if you don’t have a chance to tune in for the live event.

Follow @ChildFinance and @NextBillionFI on Twitter for live posts during the Hangout.

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Ummeli – Youth Workforce Development Mobile Platform

Two years since it launched, Ummeli is about to reach 250 000 users, turning it into the leading workforce development mobile platform in Africa.

The Nguni word for mediator, Ummeli began as a mobile community for young Africans who are classified as NEET – Not in Employment, Education or Training. Youth lack the funds, resources and networks necessary to successfully apply for suitable opportunities that would allow them to learn, gain skills and experience to become more competitive in the job market.

Read more at the YouthTech blog.

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Youth employment: how mobile services are facilitating job opportunities for young people in Europe

Recognizing youth unemployment as a global challenge, the Mobile for Employment team took a trip to the GSMA Brussels office to discuss issues in the European context as part of the GSMA Mobile Meetings Series.

Read more at the YouthTech blog.

 

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Game on! Gamification in banking – why and how?

Game on! In the blog post we would like to guide you through the idea of gamification and introduce IND Group’s Gamification concept.

Wikipedia defines gamification as “the use of game thinking and game mechanics in non-game contexts to engage users in solving problems”. To clearly understand gamification, let’s dig deeper into the topic by examining the parts of the sentence

Read more at the YouthTech blog

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Young Entrepreneur Alert! 10 year old Luca save animals and sings to give hope about a better world

Young Entrepreneur Alert! 10 year old Luca save animals and sings to give hope about a better world

Young Luca Berardi may only be 10 years old, but it has not stopped him from taking action to make his change in the world. Living in Nairobi, Kenya Luca has already started an animal and wildlife preserve organization, recorded a music album about saving the world, and even written a book.

We checked in with him and his mom in Nairobi to learn more about this little hero and his biggest passion in life – saving animals and making the world a better place.

Luca has loved animals since as long as he can remember, and his passion truly shines from his eyes when asked about his favorite animals. He quickly put three fingers up in the air proudly stating: “I actually have three favorite animals!”. He continue by eagerly telling about the Peregrine Falcon (the fastest animal in the world), the Tiger (the largest cat in the world), and the Cheetah (the third fastest animal in the world). After thinking for a while he added: “I actually like any animal in the world… Except maybe slug and snail.”

Luca started his organization Young Animal Rescue Heroes – YARH – one year ago.

“I was reading a book at the library about endangered animals and I thought ‘I could do something’”

When he got home that day he started thinking about ways he could get involved to help the endangered species he had read about. And he came up with the idea to start his own wildlife rescue organization: YARH.

Shortly after the idea for his organization was born he went to an environmental camp and held a speech about his newly founded idea and organization. Afterwards a man from the Giraffe Centre in Kenya, came up to show his support, and encouraged Luca to keep up his great and important work. After the camp and the encouraging words Lucas idea grew stronger and he started doing his first YARH project: recycling paper. “We go to different offices and gather the waste paper, my dad helps me pick it up. After this we sort out the paper and Chandaria Industries come and pick up the paper and recycle it. This way we can save trees.”

Watch Luca tell more about his organization in this video for ’Kids are Heroes’, and take a look at the YARH website.

Luca is not only busy with his organization. Along side YARH he is also making a music record with songs he wrote himself called ‘The World We Wished For’. He has been singing since the age of three, and when he got asked about making a music record it was clear to him what it should be about: how to make the world a better place. “I dream about a world that is a beautiful place without war, deforestation, the animals and the people are living equally.” His first song ‘A Better Place’ sends the message to start caring about each other, and even though times might seem though there is still an opportunity for all of us to make the world a better place. “I saw so much suffering in the world, and I really wanted to make a song to show that there is hope in the world too.” When talking to Luca about recording in a real music studio and making a professional music video, he would rather talk about the song and the meaning he hopes it will have to others:

“It felt great to record the song, I was finally going to be able to tell people that there is still hope and try to make the world a better place.”

Check out the music video of ‘A Better Place’ here.

We thank Luca and his mother for taking the time to talk with us and we are looking forward to see what steps this young little entrepreneur will take next.

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This November, Canada is talking about money!

This November, Canada is talking about money!

Did you know that November is Financial Literacy Month (FLM) in Canada? 

FLM 2013 is the perfect time to raise public awareness and promote the importance of greater financial literacy in Canada.

No matter how old you are, talking about money can be difficult. But many Canadians are accepting the challenge and participating in one of the many events taking place across Canada this November. This wide range of activities will allow them to build the knowledge, skills, and self-confidence they need to make smart financial decisions when making a budget, managing or paying back debts, planning for retirement, and investing.

The theme of this third annual FLM is “Financial Literacy across Generations.” The Financial Consumer Agency of Canada (FCAC) has once again partnered with different organizations to raise awareness about FLM and to encourage all ages to participate.

FCAC-WebSiteSliderPic_840X214_Eng.jpg

Calendar of events

On its website, FCAC is offering Canadians a calendar of events where, in just a few clicks, organizations can promote the seminars, workshops or any other activity they are planning during FLM 2013, and where Canadians can see what’s going on in their own city and province.

Lights, camera… action!

To highlight young Canadian talent and raise youth awareness of the importance of financial literacy, FCAC is organizing another video contest this year. Canadians aged 13 to 19 are invited to produce a short video explaining how talking with someone about money helped them achieve a financial goal. Participants have until November 30 to submit a 30-second to 2-minute long video and to be entered to win an iPod Touch, an iPad or a MacBook Pro.

To learn more about the contest rules and regulations, or to find more information about Canada’s Financial Literacy Month, visit itpaystoknow.gc.ca/flm

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Africa’s mobile youth drive change

The sight of teenagers selling mushrooms using mobile phones is becoming a familiar one in rural Namibia. Namibia Polytechnic faculty member Maurice Nkusi, designer of a cell phone–based curriculum, told the TechDailyNews that most of these children have never even used a computer. But the rapidity with which they master new technology reflects the era in which they are living.

This is the first generation to have direct access to high technology. Cell phones today are nearly ubiquitous in African society. Teenagers and young adults are obsessed by them, carrying them around everywhere.

Read more at the YouthTech blog

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Virtual Piggy: Youth Empowered, Parent Approved

Kids and teens today have grown up with the internet as a constant presence. When they’re online they want to socialize, share . . . and shop. The problem is, they don’t have a safe way to make purchases while keeping their parents in control.

This is where Virtual Piggy comes in.  Virtual Piggy allows kids and teens to safely shop online with the money they earn, in addition to managing their money and saving up for items they want. This is all done within the limits parents set.

Read more on the YouthTech blog 

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