The document provides guidance for farmers markets on setting up electronic benefit transfer (EBT) systems to accept SNAP benefits. It was created by alternative energy, food/agriculture, and technical organizations to help increase access to healthy local foods for SNAP recipients while boosting sales for farmers. The manual covers topics like obtaining authorization, setting up point-of-sale machines, accounting procedures, outreach strategies, and funding options to implement an EBT program.
Programa historia de la medicina Universidad Catolica NordestanaJorge Amarante
Este documento presenta un resumen del curso Historia de la Medicina MED-131. El curso trazará la historia de la medicina desde la prehistoria hasta la actualidad, cubriendo sistemas médicos de Mesopotamia, Egipto, India, China y otros. También cubrirá la evolución de la medicina en la República Dominicana e incluirá temas como las enfermedades que han afectado al país. El documento también incluye consejos de Esculapio sobre la vida de un médico.
This document outlines the professional experience of an individual working in research and education roles related to rural development, agriculture, and land use in Poland since 1994. They have held senior researcher and lecturer positions at the Institute of Agricultural and Food Economics – National Research Institute and University of Bialystok. Their research has focused on structural changes in rural areas, land use, rural entrepreneurship, and physical infrastructure development. They have participated in numerous national and EU-funded research projects on topics such as rural foresight analysis, socio-economic changes in rural areas, and land conversion.
Wired Concept is an Internet group in the UAE that owns several websites including HitTheDeals.com, a daily deals website launched in 2011. HitTheDeals.com has over 850,000 subscribers and sees high traffic levels. It partners with brands in food/dining, beauty/spa, and travel to offer deals and promotions to its audience of predominantly young urban professionals looking for experiences.
Este curso está especialmente orientado a Estudiantes, Técnicos y profesionales, gerentes, administradores y todo
aquel relacionados con las áreas de Redes, Internet, Seguridad, Sistemas, Informática y tecnologías afines, que quieran prepararse para obtener la certificación Cisco CCNA 640 - 802
En el mes de noviembre de Franquicias Hoy, podréis encontrar un reportaje sobre cómo Emprender desde Casa.
20propuestas para trabajar con niños.
Un análisis a la gestión de redes, elegir entre más grandes o más rentables.
Entrevista a Juan Alegría: El Toro de Osborne, en el ruedo de la Franquicia.
The document provides instructions for setting up and using the Tobii X60 and X120 eye trackers. It discusses connecting the eye tracker to a computer via an Ethernet connection, installing necessary software, and configuring network settings. It also provides guidelines for product care, safety information, and instructions for configuring the physical setup and parameters using the X120 Configuration Tool. Troubleshooting tips and specifications for the eye trackers are included in appendices.
Hole Dir Deinen Bonus als Geschenk!
Ich mache allen Freunden der Hypnose ein Geschenk. Und deshalb kannst Du Dir Deinen kostenlosen Bonus auf meiner Webseite jetzt abholen.
Wie Du weißt ist das Buch, welches Du gerade liest, ein Handbuch von einer Profi-Hypnose-Ausbildung von mir. Und Du bekommst von mir die gesamten Videoaufzeichnungen dieser Hypnose-Ausbildung geschenkt.
http://hypnose-experte.de/online-hypnose-lernen/
Hole Dir Dein Geschenk!
At MILIPOL in Paris (19-22 november) with Centigon France, Emd, Health Pure Tech, Inpixal, Rds Industrie, Rivolier Esdt, Secure-Ic, Siepel, Taztag, Tecknisolar Seni
Programa historia de la medicina Universidad Catolica NordestanaJorge Amarante
Este documento presenta un resumen del curso Historia de la Medicina MED-131. El curso trazará la historia de la medicina desde la prehistoria hasta la actualidad, cubriendo sistemas médicos de Mesopotamia, Egipto, India, China y otros. También cubrirá la evolución de la medicina en la República Dominicana e incluirá temas como las enfermedades que han afectado al país. El documento también incluye consejos de Esculapio sobre la vida de un médico.
This document outlines the professional experience of an individual working in research and education roles related to rural development, agriculture, and land use in Poland since 1994. They have held senior researcher and lecturer positions at the Institute of Agricultural and Food Economics – National Research Institute and University of Bialystok. Their research has focused on structural changes in rural areas, land use, rural entrepreneurship, and physical infrastructure development. They have participated in numerous national and EU-funded research projects on topics such as rural foresight analysis, socio-economic changes in rural areas, and land conversion.
Wired Concept is an Internet group in the UAE that owns several websites including HitTheDeals.com, a daily deals website launched in 2011. HitTheDeals.com has over 850,000 subscribers and sees high traffic levels. It partners with brands in food/dining, beauty/spa, and travel to offer deals and promotions to its audience of predominantly young urban professionals looking for experiences.
Este curso está especialmente orientado a Estudiantes, Técnicos y profesionales, gerentes, administradores y todo
aquel relacionados con las áreas de Redes, Internet, Seguridad, Sistemas, Informática y tecnologías afines, que quieran prepararse para obtener la certificación Cisco CCNA 640 - 802
En el mes de noviembre de Franquicias Hoy, podréis encontrar un reportaje sobre cómo Emprender desde Casa.
20propuestas para trabajar con niños.
Un análisis a la gestión de redes, elegir entre más grandes o más rentables.
Entrevista a Juan Alegría: El Toro de Osborne, en el ruedo de la Franquicia.
The document provides instructions for setting up and using the Tobii X60 and X120 eye trackers. It discusses connecting the eye tracker to a computer via an Ethernet connection, installing necessary software, and configuring network settings. It also provides guidelines for product care, safety information, and instructions for configuring the physical setup and parameters using the X120 Configuration Tool. Troubleshooting tips and specifications for the eye trackers are included in appendices.
Hole Dir Deinen Bonus als Geschenk!
Ich mache allen Freunden der Hypnose ein Geschenk. Und deshalb kannst Du Dir Deinen kostenlosen Bonus auf meiner Webseite jetzt abholen.
Wie Du weißt ist das Buch, welches Du gerade liest, ein Handbuch von einer Profi-Hypnose-Ausbildung von mir. Und Du bekommst von mir die gesamten Videoaufzeichnungen dieser Hypnose-Ausbildung geschenkt.
http://hypnose-experte.de/online-hypnose-lernen/
Hole Dir Dein Geschenk!
At MILIPOL in Paris (19-22 november) with Centigon France, Emd, Health Pure Tech, Inpixal, Rds Industrie, Rivolier Esdt, Secure-Ic, Siepel, Taztag, Tecknisolar Seni
Este documento presenta las responsabilidades y habilidades de un Community Manager, incluyendo la planificación y programación de eventos, el trabajo en equipo, la atención al cliente, la resolución de problemas, el aprendizaje continuo y los métodos de prospección de clientes como presupuestos comerciales y promociones. También incluye los contactos de Sara Rivero que busca empleo como Community Manager.
[Vietnam Mobile Day 2014] The new mobile marketing channel: Social Wifi Marke...AiTi Education
This document describes a Social Wifi system that allows businesses to offer free WiFi to customers in exchange for marketing interactions. The system connects users to public WiFi, displays brand messages and ads, and encourages users to share the messages on social media. It collects user data to help brands improve targeted promotional campaigns. A variety of business types use Social Wifi to engage customers in a fun, non-intrusive way while gaining valuable marketing insights.
El documento presenta el Centro de Investigación en Tecnologías de la Información y las Comunicaciones (CITIC). El CITIC es un centro tecnológico impulsado por la Universidad de A Coruña para potenciar la investigación y la innovación en TIC. Cuenta con instalaciones de 3.200 metros cuadrados y reúne a más de 200 investigadores de los sectores público y privado. Su objetivo principal es potenciar la transferencia tecnológica y el conocimiento entre la universidad y la empresa.
The Saint John Community Loan Fund provides loans, training, coaching and savings programs to help improve housing, businesses, employment and skills in the community. In 2014, they assisted 103 businesses, helped 134 people find work, provided skills training to 3602 people, and helped 84 people access better housing. They also continued working on their Social Enterprise Hub project and hosted several major events on entrepreneurship and empowerment.
Join us in this session to learn how to create a GPS-Enabled Mobile application using the Salesforce 1 platform. You will learn how to build a Prospect finder that allows users to find leads, prospects, and businesses around their current location and/or a given address. Technologies used include Visualforce pages, Apex and REST Services.
Este documento analiza el Programa de Coinversión Social (PCS) en México, el cual asigna fondos públicos a organizaciones de la sociedad civil (OSCs) para impulsar proyectos sociales. Se describe la evolución del PCS desde 1993, sus características de diseño, normatividad y evaluación. Asimismo, se analizan las OSCs participantes y los proyectos apoyados. El documento concluye con recomendaciones para fortalecer la colaboración entre el gobierno y las OSCs a través de programas como el PCS.
Ofrecemos protección económica contra las perdidas que se pueden incurrir debido a un suceso o evento casual, como lo son la muerte, enfermedad o accidente.
Preziosa informacion importante para pasajeros mscFQR
Este documento proporciona información sobre los requisitos de documentación para viajar en cruceros que salen de puertos de Argentina y Sudamérica. Detalla los documentos necesarios para argentinos mayores y menores de edad, así como para extranjeros residentes y no residentes. También incluye información sobre los requisitos para ingresar a España, Italia y otros países de la Unión Europea.
Adofo Segura
Año: 1997
Heroína
(formato Betacam SP, 70min)
Prod. Asociación de Cine Castelao, Exma Diputación de A Coruña
Dir: Modesto Pena
Intp. Luisa Merelas, Elina Luaces, Manquiña
Año: 1997
Lúa Nova
(formato Betacam SP, 70min)
Prod. Asociación de Cine Castelao, Exma Diputación de A Coruña
Dir: Modesto Pena, Adofo Segura
Intp. Luisa Merelas, Elina
Atelier numérique : Soyez visibles et attractifs sur Google - Niveau confirmé...Destination Brocéliande
Support de présentation de l'atelier numérique "Soyez visibles et attractifs sur Google - Niveau débutant" dans le cadre du programme Abracadaweb.
Atelier animé par Violain Turpin, ANT, Office de tourisme du pays de St-Méen / Montauban et Maud Olive, ANT, Office de tourisme du pays de Montfort.
FCDOT: Silver Line Phase 1 Bus Service PlanFairfax County
The document outlines plans for new and modified bus routes in Fairfax County to serve the Silver Line Phase 1 metro stations. It proposes adding 12 new routes, modifying 21 existing routes, and eliminating 6 routes. The plans for the Herndon/Reston area include new routes connecting residential neighborhoods to the Wiehle-Reston East station as well as modifications to existing routes. Details are provided on proposed changes to routes serving Herndon, Sunrise Valley, Sunset Hills and other areas. A timeline is also included for public feedback and planned implementation in advance of the Silver Line opening.
Los gases lacrimógenos son agentes químicos utilizados para controlar disturbios que causan irritación en los ojos, piel y pulmones. Los principales tipos son el CS, OC y OC oleasivo, que producen lagrimeo, ardor en la piel, tos y dificultad para respirar. La exposición prolongada puede causar daños graves como ceguera o incluso la muerte. El tratamiento implica enjuagar las áreas afectadas y usar broncodilatadores.
Este documento presenta un proyecto para disminuir la contaminación ambiental en el colegio Venecia a través del aprovechamiento de los desperdicios generados en su restaurante escolar. El proyecto se basa en utilizar las "mermas" o desperdicios de alimentos de forma que nada se desperdicie, creando una huerta orgánica abonada con residuos y reciclando otros desechos de manera decorativa para crear conciencia ambiental. Los objetivos son utilizar mermas no aprovechables para la huerta del restaurante, reciclar decorativ
Steve Lenton is a British citizen seeking a captain position on a motor yacht over 40 meters. He has over 20 years of experience in the yachting industry, having completed 12 Atlantic crossings and sailed over 150,000 nautical miles. He holds a Master 3000gt license as well as other qualifications and licenses. His most recent position was as relief captain on a 30-meter yacht, which he delivered from Italy to Mallorca.
This document provides guidance for farmers markets in Montana on setting up an Electronic Benefits Transfer (EBT) program to accept Supplemental Nutrition Assistance Program (SNAP) benefits. It details the steps for markets to become authorized SNAP retailers including downloading an application, completing required documentation, and indicating a choice of an EBT-only or combined EBT/debit-credit point of sale machine. Markets must have a checking account and central information table to process transactions securely on market days. The guide reviews accounting, vendor training, and outreach needed to operate an EBT program successfully.
This document summarizes a workshop on SNAP at farmers markets. It introduces the presenters and discusses goals of the workshop which are to offer design decisions for SNAP programs, understand farmers market characteristics, identify policies impacting SNAP, and discover benefits of partnerships. It then covers topics like what has been learned about SNAP at markets, challenges, indicators for evaluating success, and lessons learned.
Farm direct marketing involves farmers selling their produce directly to consumers without middlemen. This benefits both farmers through higher prices and consumers through lower prices. Some direct marketing channels include roadside stands, farmers markets, pick-your-own, and CSA programs. Subhiksha helps connect farmers to consumers through their digital marketplace and home deliveries of organic produce from Karnataka farms. They ensure fair prices for farmers and traceability of products for consumers.
“ Agricultural Wholesalers/ Manufactures Attitude Towards Selling Agricultura...Sumit Yeole
Agrosiaa is a pioneering online shopping platform for all the agricultural products available under the sun. With Agrosiaa, an amalgam made out of technology and the wide experience of agricultural industry comes into existence. We take care of all the day today business activities such as finance, marketing, logistics as well as dispatch and create win - win situation for both farmers and dealers.
This document proposes the development of an application called Krishi Bazaar to help farmers sell their crops. It aims to connect farmers directly with buyers like retailers and wholesalers to get better prices. The application would allow farmers to create profiles listing the crops they grow and retailers to post their crop requirements. Farmers could then choose retailers to supply based on demands. It would also feature agricultural experts to provide advice to farmers. The document discusses using a decision tree algorithm for crop prediction to help farmers choose suitable crops. It reviews related works on similar agricultural applications and concludes that digital platforms can make farming profitable by removing middlemen and encouraging future generations of farmers.
Grubinger, a University of Vermont vegetable
specialist. This book provides a comprehen-
sive overview of all aspects of starting and
running a small-scale vegetable farm busi-
ness, from writing a business plan to post-
harvest handling and marketing. The book
includes worksheets to help develop budgets,
production schedules and recordkeeping
systems.
This document provides an overview of market gardening, including choosing markets, learning production techniques, selecting equipment, planning and recordkeeping, labor considerations, and food safety. It discusses direct marketing strategies like farmers' markets, CSAs, and farm stands. It also covers wholesale markets and selling to restaurants, schools, and grocery stores. Several books
Este documento presenta las responsabilidades y habilidades de un Community Manager, incluyendo la planificación y programación de eventos, el trabajo en equipo, la atención al cliente, la resolución de problemas, el aprendizaje continuo y los métodos de prospección de clientes como presupuestos comerciales y promociones. También incluye los contactos de Sara Rivero que busca empleo como Community Manager.
[Vietnam Mobile Day 2014] The new mobile marketing channel: Social Wifi Marke...AiTi Education
This document describes a Social Wifi system that allows businesses to offer free WiFi to customers in exchange for marketing interactions. The system connects users to public WiFi, displays brand messages and ads, and encourages users to share the messages on social media. It collects user data to help brands improve targeted promotional campaigns. A variety of business types use Social Wifi to engage customers in a fun, non-intrusive way while gaining valuable marketing insights.
El documento presenta el Centro de Investigación en Tecnologías de la Información y las Comunicaciones (CITIC). El CITIC es un centro tecnológico impulsado por la Universidad de A Coruña para potenciar la investigación y la innovación en TIC. Cuenta con instalaciones de 3.200 metros cuadrados y reúne a más de 200 investigadores de los sectores público y privado. Su objetivo principal es potenciar la transferencia tecnológica y el conocimiento entre la universidad y la empresa.
The Saint John Community Loan Fund provides loans, training, coaching and savings programs to help improve housing, businesses, employment and skills in the community. In 2014, they assisted 103 businesses, helped 134 people find work, provided skills training to 3602 people, and helped 84 people access better housing. They also continued working on their Social Enterprise Hub project and hosted several major events on entrepreneurship and empowerment.
Join us in this session to learn how to create a GPS-Enabled Mobile application using the Salesforce 1 platform. You will learn how to build a Prospect finder that allows users to find leads, prospects, and businesses around their current location and/or a given address. Technologies used include Visualforce pages, Apex and REST Services.
Este documento analiza el Programa de Coinversión Social (PCS) en México, el cual asigna fondos públicos a organizaciones de la sociedad civil (OSCs) para impulsar proyectos sociales. Se describe la evolución del PCS desde 1993, sus características de diseño, normatividad y evaluación. Asimismo, se analizan las OSCs participantes y los proyectos apoyados. El documento concluye con recomendaciones para fortalecer la colaboración entre el gobierno y las OSCs a través de programas como el PCS.
Ofrecemos protección económica contra las perdidas que se pueden incurrir debido a un suceso o evento casual, como lo son la muerte, enfermedad o accidente.
Preziosa informacion importante para pasajeros mscFQR
Este documento proporciona información sobre los requisitos de documentación para viajar en cruceros que salen de puertos de Argentina y Sudamérica. Detalla los documentos necesarios para argentinos mayores y menores de edad, así como para extranjeros residentes y no residentes. También incluye información sobre los requisitos para ingresar a España, Italia y otros países de la Unión Europea.
Adofo Segura
Año: 1997
Heroína
(formato Betacam SP, 70min)
Prod. Asociación de Cine Castelao, Exma Diputación de A Coruña
Dir: Modesto Pena
Intp. Luisa Merelas, Elina Luaces, Manquiña
Año: 1997
Lúa Nova
(formato Betacam SP, 70min)
Prod. Asociación de Cine Castelao, Exma Diputación de A Coruña
Dir: Modesto Pena, Adofo Segura
Intp. Luisa Merelas, Elina
Atelier numérique : Soyez visibles et attractifs sur Google - Niveau confirmé...Destination Brocéliande
Support de présentation de l'atelier numérique "Soyez visibles et attractifs sur Google - Niveau débutant" dans le cadre du programme Abracadaweb.
Atelier animé par Violain Turpin, ANT, Office de tourisme du pays de St-Méen / Montauban et Maud Olive, ANT, Office de tourisme du pays de Montfort.
FCDOT: Silver Line Phase 1 Bus Service PlanFairfax County
The document outlines plans for new and modified bus routes in Fairfax County to serve the Silver Line Phase 1 metro stations. It proposes adding 12 new routes, modifying 21 existing routes, and eliminating 6 routes. The plans for the Herndon/Reston area include new routes connecting residential neighborhoods to the Wiehle-Reston East station as well as modifications to existing routes. Details are provided on proposed changes to routes serving Herndon, Sunrise Valley, Sunset Hills and other areas. A timeline is also included for public feedback and planned implementation in advance of the Silver Line opening.
Los gases lacrimógenos son agentes químicos utilizados para controlar disturbios que causan irritación en los ojos, piel y pulmones. Los principales tipos son el CS, OC y OC oleasivo, que producen lagrimeo, ardor en la piel, tos y dificultad para respirar. La exposición prolongada puede causar daños graves como ceguera o incluso la muerte. El tratamiento implica enjuagar las áreas afectadas y usar broncodilatadores.
Este documento presenta un proyecto para disminuir la contaminación ambiental en el colegio Venecia a través del aprovechamiento de los desperdicios generados en su restaurante escolar. El proyecto se basa en utilizar las "mermas" o desperdicios de alimentos de forma que nada se desperdicie, creando una huerta orgánica abonada con residuos y reciclando otros desechos de manera decorativa para crear conciencia ambiental. Los objetivos son utilizar mermas no aprovechables para la huerta del restaurante, reciclar decorativ
Steve Lenton is a British citizen seeking a captain position on a motor yacht over 40 meters. He has over 20 years of experience in the yachting industry, having completed 12 Atlantic crossings and sailed over 150,000 nautical miles. He holds a Master 3000gt license as well as other qualifications and licenses. His most recent position was as relief captain on a 30-meter yacht, which he delivered from Italy to Mallorca.
This document provides guidance for farmers markets in Montana on setting up an Electronic Benefits Transfer (EBT) program to accept Supplemental Nutrition Assistance Program (SNAP) benefits. It details the steps for markets to become authorized SNAP retailers including downloading an application, completing required documentation, and indicating a choice of an EBT-only or combined EBT/debit-credit point of sale machine. Markets must have a checking account and central information table to process transactions securely on market days. The guide reviews accounting, vendor training, and outreach needed to operate an EBT program successfully.
This document summarizes a workshop on SNAP at farmers markets. It introduces the presenters and discusses goals of the workshop which are to offer design decisions for SNAP programs, understand farmers market characteristics, identify policies impacting SNAP, and discover benefits of partnerships. It then covers topics like what has been learned about SNAP at markets, challenges, indicators for evaluating success, and lessons learned.
Farm direct marketing involves farmers selling their produce directly to consumers without middlemen. This benefits both farmers through higher prices and consumers through lower prices. Some direct marketing channels include roadside stands, farmers markets, pick-your-own, and CSA programs. Subhiksha helps connect farmers to consumers through their digital marketplace and home deliveries of organic produce from Karnataka farms. They ensure fair prices for farmers and traceability of products for consumers.
“ Agricultural Wholesalers/ Manufactures Attitude Towards Selling Agricultura...Sumit Yeole
Agrosiaa is a pioneering online shopping platform for all the agricultural products available under the sun. With Agrosiaa, an amalgam made out of technology and the wide experience of agricultural industry comes into existence. We take care of all the day today business activities such as finance, marketing, logistics as well as dispatch and create win - win situation for both farmers and dealers.
This document proposes the development of an application called Krishi Bazaar to help farmers sell their crops. It aims to connect farmers directly with buyers like retailers and wholesalers to get better prices. The application would allow farmers to create profiles listing the crops they grow and retailers to post their crop requirements. Farmers could then choose retailers to supply based on demands. It would also feature agricultural experts to provide advice to farmers. The document discusses using a decision tree algorithm for crop prediction to help farmers choose suitable crops. It reviews related works on similar agricultural applications and concludes that digital platforms can make farming profitable by removing middlemen and encouraging future generations of farmers.
Grubinger, a University of Vermont vegetable
specialist. This book provides a comprehen-
sive overview of all aspects of starting and
running a small-scale vegetable farm busi-
ness, from writing a business plan to post-
harvest handling and marketing. The book
includes worksheets to help develop budgets,
production schedules and recordkeeping
systems.
This document provides an overview of market gardening, including choosing markets, learning production techniques, selecting equipment, planning and recordkeeping, labor considerations, and food safety. It discusses direct marketing strategies like farmers' markets, CSAs, and farm stands. It also covers wholesale markets and selling to restaurants, schools, and grocery stores. Several books
Market gardening involves the intense production of high-value crops from just a few acres and gives farmers the potential to increase their income. This publication provides an overview of issues to consider when starting a market garden, including developing a business plan, choosing appropriate markets through various direct and wholesale options, learning production and marketing techniques, selecting necessary equipment, planning and recordkeeping, addressing labor needs, ensuring food safety, acquiring agricultural insurance, and the potential for organic production. Case studies of existing market gardens provide examples of different marketing strategies and their costs and profits.
Every day in Maharashtra news papers carry articles on:
Farmer distress, Agri-product demand / supply inconsistencies, middle men centric trade, non-availability of bank credit, loan distress & farmer suicides etc.
Students from M.Tech (Project Mgmt) studied these phenomena and have suggested modifications to the APMC Supply Chain - as a part of their SCM course.
Farmers' Markets: Marketing and Business GuideElisaMendelsohn
This document provides guidance for organizing and operating a successful farmers' market. It discusses organizing a new market, including addressing leadership, management, vendor membership, location, hours of operation, products sold, and rules. Farmers' markets offer advantages for both farmers, such as selling directly to consumers at retail prices, and customers, who enjoy interacting with farmers and the social experience. Successful markets require planning rules and regulations to prevent issues and draw customers with a festive atmosphere and locally-grown food.
Farmers' Markets: Marketing and Business GuideElisaMendelsohn
This document provides guidance for organizing and operating a successful farmers' market. It discusses organizing a new market, including addressing leadership, management, vendor membership, location, hours of operation, products sold, and rules. Farmers' markets offer advantages for both farmers, such as selling directly to consumers at retail prices, and customers, who enjoy interacting with farmers and the social experience. Successful markets require planning rules and regulations to prevent issues and draw customers with a festive atmosphere and locally grown food.
Discovering Barriers & Benefits of Accepting SNAP Benefits at Utah Farmers' M...klhall700
This research poster was presented during the 2015 ACE Conference in Charleston, SC. Check out what an undergraduate student and professor are studying about SNAP benefits accepted at farmers' markets in Utah. We suggest looking at the poster in full screen mode.
Presentation by Kiringai Kamau, Value Chain Analyst and Knowl-edge Specialist, VACID Africab
Session: Strengthening Grassroots Engagement in ARD Policy Processes
on 5 Nov 2013
ICT4Ag, Kigali, Rwanda
The document provides information about MarketLink, a program that provides free electronic benefits transfer (EBT) systems to farmers markets and direct marketing farmers to help them accept SNAP/EBT payments. It discusses how MarketLink works to recruit eligible markets and farmers, provide technical assistance and distribute $4 million in wireless EBT equipment. Statistics on program impacts are provided. The presentation also reviews the eligibility assessment process, USDA authorization steps, and options for obtaining an EBT terminal and service plan either free of cost or via purchase. Challenges in receiving the MarketLink equipment are also mentioned.
This document discusses the importance of automating produce purchase transactions for agro-businesses. It introduces Agrimanagr, a software that allows agro-processors to efficiently weigh, grade, and receipt produce from farmers in order to improve relationships and avoid losing farmers to competitors. The software provides accurate real-time information to farmers and facilitates cashless payments. It ensures accuracy, faster information sharing, and farmer loyalty through automated tracking of purchase transactions from collection to payment without room for human error.
The document proposes replacing India's existing Public Distribution System (PDS) with an electronic PDS (E-PDS) to improve efficiency and transparency. Key aspects of the proposed E-PDS include:
1) A centralized database tracks individual beneficiaries using swipe cards and unique barcodes on pre-packaged food packets.
2) Transactions between customers, shops, and government warehouses are digitally recorded to update stocks and prevent leakage.
3) Real-time demand data helps regulate supply amounts sent to each district and shop, minimizing waste and ensuring availability.
4) Automated monitoring reduces corruption and ghost cards while providing consumption analytics to optimize the system.
To develop alternative Agri-Input Supply Chain ‘Factory to Farm & farm to Factory’
Reduce Supply chain, Avoid Multiple activities
Maximize Farmers Return on Investment (ROI)
Create Opportunities for Local youth as Agropreneurs
To improve the Institutional Capacities of Farmer Producer organizations and Agropreuneurs
To enhance member engagement and participation in planning, designing and provision of Agri-Business services
To make available inputs at the Franchisee “Harit Vyapar” center/s at the right time and right price
To work cohesively towards creating farmer-inclusive models of Agri-Business ServicesTo provide higher benefit to the Franchisees and farmers through advanced booking schemes and planned buying
To assist Franchisees in operating the Input stores profitably through business planning, working capital, technology, and minimum two agriculture marketing executives training
To assist in communications and publicity and enable greater impact of Franchisees activities among member farmers and the local community
Develop Crop wise Cluster
Develop Package of Practice (POP) for selected Crops
Take Franchisee on Higher Value Chain
Develop ‘Brand’ for member produce
Create Geotagging and Block chain data for each member
Farmers' Markets: Marketing and Business GuideGardening
This document provides information about organizing and operating a successful farmers' market. It discusses the benefits of farmers' markets for both farmers and customers. Key steps in organizing a new market are identifying leadership, establishing rules and regulations, selecting a suitable location, and ensuring compliance with legal requirements. Successful individual vendors focus on high quality products and customer service. Farmers' markets have grown dramatically in the US in recent decades and bring economic and social benefits to communities.
Acopio empowers coffee cooperatives by strengthening management processes and enabling them to provide better supply chain data visibility to roasters. Learn more at http://acopio.org
This document discusses the importance of automation for agro-processors in managing produce purchase transactions from farmers. It introduces Agrimanagr, a mobile solution that automates the process from collecting produce from farmers to making payments. Automating this process reduces errors, improves accuracy and information sharing, and helps develop farmer loyalty by providing timely payments and records, which is important for business competitiveness and reducing farmer churn.
This document provides a sustainability checklist for beef cattle farms. It includes questions about farm resources, management priorities, herd health, reproductive management, forage programs, grazing management, soil and water quality, energy and economic efficiency, quality of life considerations, and goals for improvement. The checklist is intended to help farmers critically evaluate the sustainability of their operations and identify areas for potential enhancement.
Garden Therapy: Links to Articles, Books, Profession Groups, DVDElisaMendelsohn
GARDENING THERAPY Resource List of Articles, Books, Manuals, DVD's, Training Programs and Professional Associations
TOPICS COVERED:
Horticulture Therapy
Healing Gardens
Sensory Gardens
Garden Therapy
Garden Therapy for the Disabled
Garden Therapy for the Mentally Challenged
Garden Therapy for Alzheimer’s Disease
Garden Therapy for Depression
Garden Therapy for Autistic Children
Garden Therapy for the Blind and the Visually Impaired
Garden Therapy for Hospitals
Garden Therapy for Nursing Homes
Garden Therapy for Seniors
Garden Therapy for the Handicapped
Garden Therapy for Prisons, Jails and Correction Facilities
Garden Therapy for Botanical Garden
Garden Therapy and Community Gardens
Garden Therapy for Single Mothers
Garden Therapy for Stress
Garden Therapy for Veterans
Garden Therapy at Veterans Facilities
Garden Therapy for Soldiers
Garden Therapy for Posttraumatic Stress Disorders
People Plant Connections
Gardening and Physical Fitness
Greenhouse and Garden Therapy for Disabled People
Accessible Gardening
Wheelchair Gardening
Vertical Gardening and Garden Therapy
Container Gardening and Garden Therapy
Adaptive Garden Equipment for Garden Therapy
Tools for Garden Therapy
Urban Trees and Mental Health
Parks and Garden Therapy
Nature and Learning
Greening School Grounds by Design
Garden Therapy for Schools
Plants in the Classroom for Enhanced Learning
Garden Therapy for Pre Schools
Garden Therapy for Daycare
Garden Therapy for Elementary School Bullies
Garden Therapy and Community Development
Garden Therapy and Food Security
Garden Therapy for Low Income People
Garden Therapy for Homeless People
Garden Therapy and Crime Reduction
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إضغ بين إيديكم من أقوى الملازم التي صممتها
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💀💀💀💀💀💀💀💀💀💀
تتميز هذهِ الملزمة بعِدة مُميزات :
1- مُترجمة ترجمة تُناسب جميع المستويات
2- تحتوي على 78 رسم توضيحي لكل كلمة موجودة بالملزمة (لكل كلمة !!!!)
#فهم_ماكو_درخ
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1. Montana Farmers Market Electronic Benef its Transfer Manual
How to Accept
Farmers Market
SNAP Benefits EBT
at Your Program
Eat F r
es h - H
hy
ealt - Local
Farmers Market
This manual was written collaboratively by the Alternative Energy Resources Organization,
the Community Food and Agriculture Coalition, and the National Center for Appropriate Technology.
The Farmers Market EBT Pilot Project was made possible through a grant from the Montana Department
of Health and Human Services. For more information or to receive a copy of this manual contact
Tammy Hinman, NCAT agriculture specialist, at (406) 494-4572 or tammyh@ncat.org
2.
3. How to Accept SNAP Benefits at Your Farmers Market
Table of Contents
Why accepting SNAP and debit and credit cards at
your market is a win-win situation .............................................. 4
Market manager checklist for accepting SNAP benef its
at your farmers market ..................................................................... 5
How to a start a farmers market EBT project ............................ 6
Getting authorized as a SNAP retailer ....................................... 7
Setting up the point of sale machine and token system........ 8
Market day procedures .................................................................. 10
Accounting procedures ................................................................. 13
Vendor education ............................................................................ 14
Outreach .............................................................................................. 16
How to fund a farmers market SNAP program ...................... 18
References........................................................................................... 18
Success stories ................................................................................... 19
Further resources ............................................................................. 20
Appendix 1: Third-party service provider spreadsheet ....... 21
Appendix 2: EBT Food Stamp pilot budget sample ............ 23
Appendix 3: Sample vendor token redemption forms ....... 24
Appendix 4: Vendor introduction sheet.................................. 26
Appendix 5: Accounting sheet samples ................................. 27
Appendix 6: Sample press release............................................. 30
Appendix 7: Vendor crib sheet –
Farmers market nutrition programs ........................................... 31
All photos courtesy of Katie Knight, photographer for AERO, www.katieknight.net.
4. stigma for SNAP consumers and
Why accepting SNAP increases sales. In 2009 debit and
and debit and credit credit sales were more than $53,000
at farmers markets participating
cards at your market in the pilot program outlined in
this publication.
is a win-win situation
A swipe machine provides low-
Accepting Supplemental Nutrition income people with easy access to
Assistance Program (SNAP) benefits locally grown fresh fruits and veg-
at local farmers markets can be a etables while providing additional
win-win situation. SNAP is the new revenue for the market vendors.
name for the federal Food Stamp pro- Additionally, if using a wireless
gram. Montanans were issued more device, vendors at the market can
than $118 million in SNAP benefits also accept credit or debit cards, thus
in 2009, and spent more than $31,000 further increasing sales to produce
at farmers markets alone in 2009. and craft vendors.
Accepting electronic Food Stamps
allows SNAP clients to use their This guide is an outcome of a Mon-
benefits to purchase nutritious local tana Department of Health and Hu-
foods and support local farmers. man Services grant to pilot the imple-
mentation of an EBT card program at
All SNAP benefit purchases are now farmers markets in Montana. It will
made with an Electronic Benefit outline the steps of setting up an EBT
Transfer (EBT) card, which is similar program at a farmers market from
to a credit or debit card. The card start to finish. There is a checklist for
can be swiped at all locations where market managers on the following
it is accepted. Most farmers markets page. The appendices contain sample
purchase a machine that can also ac- forms that can be copied, modified,
cept debit and credit, which reduces and used at your market.
4 Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market
5. Market manager checklist for accepting
SNAP benef its at your farmers market
Note: This is a quick-start checklist. These procedures are detailed
further in the manual.
Determine if your market is
eligible and has the capacity
Complete training with the
state FNS representative. “This program
For vendors to be reimbursed Set up your market to accept is a win, win for
for EBT purchases, the
market must have a checking
SNAP cards farmers market
account. If your market does EBT-only point of sale (POS) customers and
not already have a checking machines are free. However, vendors. It will
account, set one up before operation requires a tele-
proceeding. A separate phone landline and access help increase
checking account helps keep to electricity. sales and
EBT transactions separate and
helps with accounting. Wireless POS machines that broaden your
If you do not have a formal accept EBT, debit, and credit customer base.”
cards can be purchased or
organizational structure, you rented. The cost to purchase a –Brent Sarchet, Helena
must have another organiza- wireless POS machine ranges Farmers Market
tion be a fiscal agent and be the from $900 to $1,500, and service
responsible party for the Food fees average $35 a month.
and Nutrition Service, who
authorizes SNAP retailers. Individual farmers can buy a
wireless POS EBT, debit, and
credit machine individually, but
Become authorized to accept we recommend having a central
electronic nutrition benefits kiosk managed by the farmers
To be eligible, markets must market staff to avoid long lines
and recordkeeping problems.
sell food products including
produce, dairy, meat, and
baked goods.
Purchase tokens for the
market. Note: Paper scrips can
Download the application at be used in lieu of tokens. However,
they are not recommended, as
http://www.fns.usda.gov/SNAP/ they are easier to counterfeit
ebt/fm.htm or call 1-877-823- and less durable.
4369 to have an application
sent to you. Develop market-day
procedures that provide:
Fill out the application and re- • A staffed central kiosk
turn it to the Montana office of for consumers to swipe
the U.S. Department of Agricul- their cards,
ture Food and Nutrition Servic- • A system for vendor
es (FNS) Office (see address in reimbursement.
the Further resources section)
with required documentation. Develop an accounting system
to track EBT, credit, and debit
Indicate to FNS your point of transactions and fees.
sale choice: EBT only or EBT
and debit/credit. Train all participating vendors.
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market 5
6. The participant’s card is swiped by
How to a start a farmers the market representative and debits
market EBT project the amount requested. This amount
is transferred from the customer’s
Most farmers markets use a cen- account to the market association’s
tral point of sale (POS) machine, bank account within 48 hours. The
which allows all eligible food
market’s EBT representative then
vendors in a multi-vendor farm-
issues tokens for the amount with-
ers market to sell eligible food
drawn from the customer’s card.
products to SNAP recipients (EBT
cardholders) without each vendor The customer shops with the tokens
being separately authorized by the at all eligible food booths in the
U.S. Department of Agriculture market. At the end of the market day,
Food and Nutrition Service. vendors turn in their tokens to be
The central POS machine is located at reimbursed the following week. The
a market information table that has market can immediately reimburse
a market representative, staff mem- vendors, but the funds from EBT
ber, or volunteer who is authorized may not be available for one to two
by the market leaders and has been business days after the transaction.
trained to manage the POS transac- It is important to maintain proper
tions. Signs at the market direct the records and to have a system that
cardholders to the information table. prevents fraud.
EBT, SNAP, Food Stamps …
What Do These Terms Mean?
SNAP is the new name for Food Stamp
benefits. It stands for the Supplemen-
tal Nutrition Assistance Program. The
benefits for SNAP are now issued via
card. In Montana, this card is the Access
card. The cards help reduce social stigma
that was once associated with the paper
Food Stamp program.
Cards are just like a credit card and used at
stores through swipe machines called an
Electronic Benefit Transfer, or EBT, system.
A point of sale device allows this trans-
action to take place. Most farmers mar-
kets use some form of point of sale (POS)
device to swipe SNAP cards. A farmers
market can purchase a device that also
accepts debit and credit cards.
6 Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market
7. Getting authorized 10 West 15th Street, Suite 1500 “Completing
Helena, MT 59626
the application
as a SNAP retailer (406) 441-1190
form was difficult
To begin accepting SNAP and
debit and credit cards, first down-
Once approved, an FNS agent will because it is de-
conduct an on-site visit and inspec- signed for grocery
load an application from the USDA tion of the market. The agent will
Food and Nutrition Service (FNS) provide official documentation
stores. It was
at http://www.fns.usda.gov/SNAP/ recognizing the organization as difficult to answer
ebt/fm.htm. You may also call
an authorized retailer of SNAP questions that did
1-877-823-4369 to have an application
sent to you.
benefits. The agent will also provide not pertain to a
signs for the market and individual farmers market,
To complete the application, vendors to display. These signs
but once we were
you will need: will inform the public about which
vendors are participating. up and running
• A bank account there were no
This application process takes 30-45
days to complete, if all the items
problems. Each
• A copy of your social
security card on the checklist are correct and the transaction went
application does not need to be through without
• A copy of your photo amended. When visiting applicant a glitch and the
identification markets, the FNS agent will provide customers were all
the markets with a FNS vendor
• A Federal Employer very pleasant to
Identification Number is number and license. The agent will
not necessary to complete review the regulations with the work with.”
the application, but if you market manager and provide an –Kristi Wetsch,
have one include it on official SNAP EBT manual and DVD Gallatin Valley Farmers
the application explaining the program in detail. market manager
The application will ask questions
about your market as if it were a
grocery store. In addition to pro-
viding information about vendors,
types of food sold, and total reve-
nue, you must also provide identifi-
cation verification, including a fiscal
agent tax identification number or
the social security number(s) of ap-
propriate farmers market board of
directors member(s). Please see the
checklist of required documentation
included in the application.
Send your completed
application to the FNS
Helena office:
Department of Public Health
and Human Services
Food & Nutrition Service
Helena Field Office (303)
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market 7
8. option. There are several advantages
Setting up the to this method. One is the potential
point of sale machine for increased sales, as customers
do not have to stop at an ATM or
and token system forego additional purchases once
While waiting for your FNS applica- their cash is all used. They can go
tion approval, it is a good idea to right to the central POS station and
start researching options for a POS get additional funds for the market.
machine. The market can purchase a Another significant advantage is that
wireless swipe machine that pro- it reduces the potential stigma of us-
cesses EBT as well as debit and cred- ing market tokens for SNAP custom-
it cards, or order an EBT-only swipe ers. If debit and credit customers
machine through the USDA Food are using similar tokens for their
and Nutrition Service. Each market purchases, it is less obvious when an
will have to decide what is best for SNAP customer uses tokens.
its situation and budget. Below is a The disadvantage for the wire-
breakdown of point of sale machine less EBT, debit, and credit system
options for your market. is that the market must purchase
the machine and pay subsequent
EBT-only machine: usage fees. The third-party POS
The state of Montana provides at provider that sells the machine will
no charge a machine that only ac- set up an account to automatically
cepts the SNAP card. This machine transfer funds from the customer’s
requires a phone line and electric- account to the market’s account. In
ity at the site. The advantage to this addition to a monthly handling fee,
machine is that it is cost-free. The each transaction that occurs will
market will not be charged for the also have a swipe fee. You will be
machine or for the processing fees. required to sign a contract with the
The disadvantage is that it requires a third-party provider before setting
phone line and electrical service on- up the account. You should know
site. For some markets this may not beforehand how much you will
be an option. be charged for fees and average
monthly costs. Also be sure to know
EBT, debit, and credit: the terms of your contract with the
If it is not feasible to have a phone third-party provider.
and electrical hook-up at the market,
or if the market and vendors want to Purchasing a POS machine
provide debit and credit card ser- There are many vendors that sell
vice, purchasing a wireless machine POS machines. The fees are gener-
from a third-party vendor is the best ally charged per transaction and
If you decide to use a wireless POS machine, be sure to note that on your FNS application with the
understanding that you will be responsible for paying or leveraging the cost of the third-party pro-
cessor. Otherwise, the Montana FNS will send you a free landline EBT-only machine. Always check to
be sure your farmers market location receives wireless service before purchasing a wireless machine.
This can be done by checking your cell phone reception at the market site. If you have service, you will
have wireless reception for your POS machine.
8 Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market
9. there is also an overall percentage is one way to do this; for example
service fee. The cost of the machine red can indicate SNAP tokens and
can range from $700 to $1,500. An green debit and credit tokens.
inexpensive machine will often have
Tokens may only be used at the
higher service fees, so be thorough
market where they were purchased,
in your research. See the appendices
so they must have the market name
for a breakdown of national and
or logo printed on them.
state third-party vendor fees and
machine costs. An alternative to using tokens may be
developing currency often called mar-
There is a list of some of the third-
ket bucks in similar dollar increments.
party vendors the authors of this
Market bucks are easier to counterfeit,
report have researched along with
but it is possible to avoid this problem
machine costs and service fees in
by using watermarked paper.
Appendix 1. These fees and costs are
subject to change, so be sure to ask
what current costs are.
Tokens are not interchangeable.
Purchasing market tokens SNAP tokens cannot be used
Tokens are easy to use and make as change for debit and credit
shopping at the market fun. Since tokens. No change can be given
tokens are more difficult to duplicate for SNAP tokens, so NO CHANGE
than paper, they are more secure. GIVEN should be printed on
Tokens may be purchased online from each SNAP token.
a number of vendors. See the Further
resources section for token sources.
The retailers listed in the Further
resources section have several sam-
ples of token designs. Prices vary
depending on style and color. The
tokens should be printed specifically
for each market. It is recommended
that markets design one side of each
token side with the market logo or
name and a value amount, and the
phrase NO CASH VALUE on the
other side. We recommend $2 tokens
for SNAP tokens and $5 tokens
for debit and credit tokens. Some
markets find it simpler to use only
$2 tokens for SNAP tokens and $5
tokens for debit and credit. The debit
and credit tokens should be similar,
but easily differentiated from the
SNAP tokens. Using different colors
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market 9
10. Market day procedures The Helena Farmer’s Market pays
A centrally located kiosk should be set a person to tend the market kiosk
up to handle all SNAP and debit and each week. The salary is funded
credit transactions. In small markets, with vendor fees. This person does
the market manager may be able to accounting and transaction proce-
handle operation of the machine, but dure on a laptop computer during
in most markets a staff person or vol- the market’s slow times. When the
unteer will need to be trained to run market ends, the staff person is
the program, operate the machine, finished for the week. Market man-
and provide accounting assistance for ager Brent Sarchet says, “Having a
the vendors at the beginning and end friendly helpful person running the
EBT booth is a must.”
of each market day.
The Gallatin Valley Farmers Market
Staffing options has paid staff who also serve
for your market: other functions at the market.
Paid staff Kristi Wetch, Gallatin Valley Farmers
Market, says “We have three trained
The advantages to paying a staff staff who swipe the customer’s card
person is that this person will most and ask them how much they want
likely be more reliable than a volun- deducted from their account. They
teer. Create a job description, includ- then give the client that amount
ing the number of hours expected and in tokens and notify them that the
job responsibilities. One of the pilot tokens can be spent only at our
markets paid someone 8 to 10 hours a market for that particular season.”
week for the duration of the season.
An average expectation to pay
someone is:
8 hours × $8/ hour = $64/week
× the number of weeks your market is
in operation (for example, 26 weeks)
________________________________
$1,700/ per season
(See sample budget in Appendix 2)
Volunteers
Not every market can afford to
pay a staff person. Volunteers are
an option if you are able to find a
reliable person. The following are
options that have worked for other
markets throughout the country
and within Montana:
• AmeriCorps VISTA volunteers
• RSVP (Retired Senior Volunteer Program)
Find one for you region by visit-
ing www.seniorcorps.gov/about/
programs/rsvp.asp
10 Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market
11. • Vendors rotate duties (only for
small markets)
• Some markets have a Friends of the
Market committee that helps dur-
ing market day. Provide T-shirts
for volunteers and a special table
for gathering
• Local service clubs
The EBT, debit, and credit
transaction
To conduct a transaction, the staff
person asks the customer how
much they intend to spend. The
staff person then swipes the cus-
tomer’s card through the machine
and enters the amount of money the
customer would like to withdraw
from his or her account. A balance should be trained to advise custom-
will indicate the amount available. ers to use all tokens on the day they
After swiping the card, the cus- receive them. This will keep the
tomer will enter his or her personal accounting procedures balanced.
identification number (PIN) on the Customers with unredeemed tokens
machine pad. This amount will be can be reimbursed, but this re-
transferred to the market’s checking quires crediting their SNAP account
account within 48 hours. The cus- through the POS machine, and is a
tomer will then be given the correct labor-intensive process. We do not
amount of token dollars to spend at
recommend advertising this at your
any of the approved vendors.
booth, but if a customer asks, the
No change in cash can be given for Food and Nutrition Service requires
SNAP tokens. Market representatives that their request be fulfilled.
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market 11
12. Vendor redemption the previous week. The check can
and payment be placed in the vendor’s envelope
prior to the market. If this system is
At the market, customers will take
used, the check from the last market
their tokens to the vendor to pur-
chase eligible items. Having the ven- day of the season should be mailed
dor collect the tokens in an envelope to the vendor within a week.
“All programs provided by the market has worked Many markets are able to write a
are good as long well for the Montana pilot proj- check the same day that the tokens
as it is easy to ect. At the end of the market, each are redeemed. This requires extra
vendor brings their collected tokens
redeem the token to the POS booth, signs a vendor
money in the market checking
or coupon. The account to cover the cost until the
token redemption log, and receives
reimbursement amount is trans-
best programs a receipt or check for the number of
ferred to the market account.
are where the tokens redeemed that week. See a
market manager sample of the vendor token redemp- Note: Some vendors will choose to store
tion log in Appendix 3. their tokens until they have enough to
has control so warrant a check. While this reduces the
you know exactly An alternative system is to place a
separate log sheet in an envelope number of tokens that can be used by
who to talk to. for each vendor at the beginning of customers each week, it is a nice service
The vendor must each market day. At the end of the for the vendors. In the pilot, vendors
remember what day the market manager or repre- said that this method was their prefer-
token or coupon sentative will collect the envelopes, ence. However, to avoid losing tokens
along with the tokens. The following at the end of the season, tell the vendors
you cannot give week the vendor will receive a check that they will not be reimbursed for to-
change on.” for the amount of token sales from kens redeemed after the last market day.
–Helena Farmers
Market Vendor
12 Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market
13. the vendors. See Appendix 5 for
Accounting procedures sample accounting sheets for
Checking account these processes.
To have reimbursements automati-
cally transferred, each participating
Monthly accounting
market must have an active checking statement
account. The SNAP reimbursements Each month the market manager ”Recordkeeping
will be transferred in a lump sum, or market SNAP coordinator will
or batch to the account, usually each receive a statement showing the
is important,
weekend. Debit and credit transac- EBT, debit, and credit card transac- but don’t make
tions will be transferred according to tions from either the third-party POS the process to
the card company’s schedule, typi- provider or the state office (depend-
cally within 48 hours. Checks to the ing on which device is used). These complex or time
vendors will be written out of this should correspond to the batch consuming.
account and distributed according to receipts that the machine prints out Keep it simple
each market’s operating procedures. at the end of the market day.
At the end of the market day, print but effective.”
At the Gallatin Valley Farmers
out a batch receipt from your POS Market the vendors bring the tokens –Brent Sarchet, Helena
machine for the day’s transactions. to the information table at the end Farmers Market
There is little accounting that needs of each market and the market staff
to be done, but it is important to complete a form for each vendor.
keep accurate records. It is crucial The vendor prints their name, writes
that the individual vendors have a down the amount of tokens they
record of their sales and are reim- received that day, and then signs the
bursed each week for the amount of form. The next Monday, the market
the previous week’s sale. There is a office staff writes and sends checks
space on the vendor token redemp- to the vendors based on these forms.
tion log to show the date the check Kristi Wetsch, the Gallatin Valley
was issued and the check number. Farmers Market manager, explains
There is a sample form in Appendix their vendor communication strategy.
3 of this manual. “Each vendor, at the beginning of
the season, receives a letter from
Vendor redemption us explaining how they can accept
Each week a market representa- SNAP tokens. This is done to prevent
tive should record the number of vendors from accepting tokens who
tokens distributed to customers, the are not eligible. Each vendor who can
number returned by the vendors, accept SNAP tokens is given a sign
and the checks written to reimburse to place at their vendor booth.”
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market 13
14. increased sales at their stand. Also
Vendor education stress that this a good service for the
Once the system is in place, market farmers market to provide for people
vendors need to be trained on how with limited incomes.
the program works, and what they
can and cannot sell to EBT customers.
It is important that the vendors sup- Differentiating tokens
port the program. Let vendors know When debit and credit customers
the potential for extra customers and receive their tokens, they can
purchase any product without
restriction. They can also receive
Before beginning the program at your market, be sure each change back for their tokens. It is
participating vendor receives the following: important that ALL vendors are
• Vendor information sheet familiar with the different tokens
so that they do not accept SNAP
• Vendor token redemption envelope tokens for non-eligible items, which
• We Accept Food Stamps sign for the booth or table is a violation of accepting SNAP
• We accept Visa/MasterCard sign, if applicable benefits. Also, SNAP purchases
cannot receive change back. It is
• A list of eligible and ineligible purchases helpful to the SNAP customer to
Samples of some of these sheets are available in the Appendices. add another carrot or so, so that the
amount is rounded up to the $1 or
14 Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market
15. $2 SNAP token increment. In
addition, vendors should be made These products
aware that they cannot be reim- ARE ELIGIBLE to be purchased
bursed for improperly used tokens. with EBT tokens:
Provide a vendor handout • Produce
to all vendors • Dairy products
The sample vendor introduction • Meat
sheet in Appendix 4 will help to • Wrapped baked goods
explain the program to vendors.
• Wrapped cold sandwiches
Be sure to list eligible and ineligi-
ble items, how to record the number • Vegetable or herb seeds or
of tokens used, how to redeem bedding plant
tokens, and any rules of operation
for the program. It is helpful to
These products are
have the token samples on the
NOT ELIGIBLE for purchase
introduction sheet. It should also
with EBT tokens:
include instructions on how ven- • Alcohol
dors will be reimbursed for their • Tobacco
tokens and receive their money
• Pet food
each week.
• Any non-food item
It might be helpful to personally
hand out the information sheet to • Any food served hot such as
each participating vendor and ask if coffee or tea drinks
they have any questions or concerns • Any prepared food item meant
about the program. This would be to be eaten on-site, such as ice
another way to ensure that the ven- cream bars, hot dogs, burritos,
dors support the program and that cinnamon rolls and more
any concerns are addressed.
Vendor testimonials
“The EBT, WIC, and Senior Programs are particularly important to us because
they introduce new people to the market and promote local food systems,
and provide access to fresh nutritious food for people that need it.”
– Helena Farmers Market Vendor
“The Food Stamp (EBT token) worked well for us. It was very easy. Same with
debit and credit tokens. Between the two it was about 8 percent of our business.”
–Clark Fork Farmers Market vendor
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market 15
16. publicity to your market and the fact
Outreach it accepts SNAP cards. A sample press
Being approved to accept SNAP release is in Appendix 6.
benefits is only the first part of the
process. An outreach and education At the market:
plan is an equally important piece of • Post We Gladly Accept EBT
any farmers market SNAP project. signs at market entrances and at
The following are some ideas that the kiosk.
can be implemented in each market • Clearly identify the card-swiping
and the community. kiosk. For example, use a sign
Create an event around launching that says Get [market name]
your farmers market EBT project. Get farmers market dollars/tokens
a local celebrity or government figure here at the EBT booth.
to make the first card swipe. This • Post We accept EBT/credit/debit
will attract the media and bring more tokens here signs at participating
vendor stalls.
• Encourage vendors to highlight
individual versus per pound
prices. For example, post a sign
that shows: 4/$2 versus $4/
pound. Note: Vendors are required
by FNS to post all prices.
In the community:
• Posters listing farmers mar-
kets accepting SNAP cards (a
graphic of the card is helpful) by
county or region, or individual
markets, can be posted at Of-
fices of Public Assistance, WIC
(Women, Infants and Children
Supplemental Food and Nutri-
tion Education Program) offices,
community health clinics, senior
centers, food banks, Head Start
programs, libraries, job service
offices, laundry mats, and more.
Work with other farmers mar-
kets if applicable.
• Contact local schools to have
information included in their
newsletters.
• Flyers should be distributed at
the same locations and handed
out at nutritional education
events, SNAP outreach occa-
sions, health fairs, and more.
16 Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market
17. • The phrase We Gladly Accept Other ideas
SNAP/debit/credit should be on
• Develop newspaper and other
all market posters, flyers, event
media articles highlighting
announcements, press releases, program partnerships and
print ads, free listings, websites, contact the local newspaper.
and other promotional materials.
Healthy Incentive Programs
• Use media and the local higher Some markets have developed
education institution’s financial matching programs that match
aid office for college students. SNAP purchases with market
• Advertise on local public trans- currency, or market bucks.
portation systems. These programs are very popu-
lar in the areas where they have
• Promote the program through been piloted. See the Success
local churches. stories section below for more
• Hang promotional posters in details on this.
thrift stores, video stores, and • Get farmers market SNAP
other locations. program information on
local radio, TV, and the
Note: EBT is an internal term used by Internet with ads (if possible),
farmers markets and other entities in interviews, press releases,
the Department of Public Health and and other outreach materials.
Human Services. It is not used often
by SNAP recipients, so use of the word • Have family days at the
SNAP, or the Montana Access card in market with kids’ activities
Montana, will help customers recognize and cooking demos.
that their SNAP benefits are accepted at • Highlight this service on
the market. your market website.
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market 17
18. how to maintain staff salaries
How to fund a farmers and fees to continue to support
market SNAP program for the project.
Grants or donations Charge debit and credit customers
$1-2 a swipe. Keep in mind that you
Some farmers market associations cannot charge SNAP customers to
will fund the start-up costs for swipe their card.
farmers market SNAP projects. As
of the publishing of this manual, Increase vendor fees by $5-$10 a
there is grant money available season. Vendors may be in favor of
from the Department of Health and this option once they see how much
Human Services Farmers Market income the machines generate. Some
EBT Expansion. markets rent an ATM machine and
split the swipe fee ($2.50-$3) with
Other potential donors include:
the service provider.
• Local banks or credit unions
• Annual sponsorship from local References:
businesses such as farm stores
and health markets 1) Langan, Linda. 2007. Spring
Promotion Ideas. Newsletter of the
• Local service clubs EBT Farmers Market Nutrition
• Some local foundations Promotion Project March 2007.
Ecology Center, Berkley, CA.
Generating income 2) Doyle, Mary Ellen. 2007. Food
Another option is generating income Stamps and Farmers, It’s a WIN-
to pay for staff people and fees associ- WIN: Farmers’ Toolkit for Accepting
ated with the wireless machine. This Electronic Food Stamps. University
has been done at several markets in New England Master in Public
Montana. The markets that partici- Health (MPH) Graduate Program.
pated in the pilots each determined maryellen.doyle@maine.gov
18 Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market
19. Success stories Market Bucks
incentive program
California Ecology Center runs the
California Farmers Market EBT Proj- New York City farmers markets pro-
ect. They have done many outreach vided an opportunity for residents
efforts in communities with farmers to buy fresh and affordable produce
market SNAP projects. while supporting regional farmers.
Health Bucks, worth $2 each, devel-
The EBT Farmers Market Nutrition oped and distributed by the New
Promotion Project is an effort by the York City Health Department Dis-
California Ecology Center to pro- trict Public Health Offices were used
mote nutrition and fresh fruits and to purchase fresh fruits and vegeta-
vegetables to SNAP clients through bles at participating farmers markets
eligible California farmers markets. (listed on each Health Buck).
Farmers markets are eligible if they At farmers markets that accept
accept SNAP market-wide and oper- Food Stamps (EBT), one Health
ate in a neighborhood where over Buck coupon was given to each
half the population is at or below customer for every $5 spent using
185 percent of the Federal Poverty Food Stamps.
Level. Some of the services that they
are providing to markets are: See the following website for more
information on this: www.nyc.gov/
• Tastings and cooking demos html/doh/html/cdp/cdp_pan_health_
• Brochures, free nutrition educa- bucks.shtml
tion information, and free recipes Market manager and vendor
• On-site signage education and outreach
• Nutrition-focused prizes The New York Farmers Market
and giveaways Federation has helped managers
with in-person training and an on-
• Monthly produce observances line training presentation. They also
• Market tours provide the managers with a media
kit and access to many online forms.
• Culturally appropriate foods www.nyfarmersmarket.com/ebt.htm
at the farmers market The Oregon Farmers Market As-
sociation has provided many online
• Nutrition educators with
resources for participating farmers
same language and cultural
market managers. They have several
background.
online templates for accounting,
See the California Ecology Center recordkeeping, and vendor tally
website for more information: sheets. www.oregonfarmersmarkets.
www.ecologycenter.org/ebt org/EBT/ebt.html
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market 19
20. PaymentTech
Further resources 1-800-824-4313
General farmers market www.chasepaymentech.com
and EBT resources
Total Merchant Concepts
The Farmers Market Coalition has Eric Jenks
a resource library with information Business consultant
on most topics associated with farm- 1-888-249-9919
ers market management. They also FAX (360) 260-7992 or
have an online library of farmers
1-800-659-5859
market EBT resources. See
eric@totalmerchantconcepts.com
www.farmersmarketcoalition.org
www.totalmerchantconcepts.com
for more information.
Frontline Processing
Becoming an (based in Bozeman)
authorized retailer: 1-866-651-3068
Food and Nutirition Service info@frontline processing.com
Montana Field Office, Helena (303)
10 Weset 15th Street E-funds - Owned by Fidelity
Suite 1500 National Information Services (FIS)
Helena, MT 59626 Clyde Terry
(406) 441-1190 Sr. Account Manager, eFunds
For online information and application: Corporation - Government Solutions
http://www.fns.usda.gov/SNAP/ebt/fm.htm Clyde.C.Terry@fnis.com
(801) 444-9950
Third-party point of sale FAX (801) 444-9951
(POS) provider breakdown: First National Merchant Solutions
The information below is for educational They have a terminal rental program
purposes only. NCAT does not endorse Jason Butts
any specific provider. Each market (402) 602-4053
should research and select a provider 1-800-516-6242, ext. 4053
that is best suited to their specific needs FAX 1-866-483-4725
because each provider has different
financial structures and fees for EBT Token sources:
and debit and credit use.
Old Time Wooden Nickel Company
Below are local and national compa- 1-800-750-9915
nies that have assisted other markets www.wooden-nickel.com
in buying and setting up a card
processing account. Kardwell International
1-800-233-0828
Big Sky Commerce www.kardwell.com/index.htm
Contact: Kevin
2809 Connery Way Montana Marketing
Missoula, MT 59808-1922 (based in Helena)
(406) 327-0611 (406) 449-7446
www.bigskycommerce.com www.mtmarketing.com
20 Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market
21. Appendix 1: Third-party service provider spreadsheet
Food Stamp and Debit Service Wireless Third Party Processor Options
Big Sky CardService Paymentech TMC Frontline We Win
Commerce Intnl 800-824- 888-249- 866-651- Enterprises
Start-up costs: 406-327- 800-456- 4313 9919 3068 579-5621
0611 5989
Machine cost $1,395 $800 $890 $949 $840 $600
Activation fee $99 $0 $35 $0 $100 $100
Pin pad cost for debit $109
Total start-up costs $1,494 $800 $925 $1,058 $940 $700
Variable costs:
Debit-Avg # of
transactions 20
per market
Credit-Avg #
transactions 15
per market
EBT - Avg #
of transactions 10
per market
Debit
transaction $0.21 $0.25 $0.20 $0.22 $0.20 $0.15
fee
Credit
transaction $0.21 $0.25 $0.20 $0.22 $0.20 $0.15
fee
EBT
transaction $0.20 $0.18 $0.20 $0.20 $0.20 $0.15
fee
Debit costs/
market - includes $7.35 $8.45 $6.04 $7 $5.56 $4.80
percentage fees
Credit costs/
$5.51 $6.34 $5.07 $5.91 $6 $3.83
market
EBT Costs/ Market $2 $1.80 $2 $2 $2 $1.50
Total debit costs
- 26 weeks $191.10 $219.70 $157.04 $181.90 $151.32 $124.80
(6 months)
Total credit costs
$143.33 $164.78 $131.82 $153.58 $162.76 $99.45
- 26 weeks
Total EBT costs
$52 $46.80 $52 $52 $58.76 $39
- 26 weeks
Total
$386.43 $431.28 $340.86 $387.48 $372.84 $263.25
variable costs
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market 21
22. Appendix 1: Third-party service provider spreadsheet cont.’d
Big Sky CardService Paymentech TMC Frontline We Win
Commerce Intnl 1-800- 1-888- 1-866- Enterprises
(406) 327- 1-800- 824-4313 249-9919 651-3068 (406) 579-
0611 456-5989 5621
Fixed costs:
Monthly charges
$192 $336 $390 $108 $150 $120
(x 6 months)
Annual fee $29 $25 $75
Total estimated
$192 $336 $390 $137 $175 $195
Fixed costs
Total estimated
$2,072.43 $1,567.28 $1,655.86 $1,582.48 $1,487.84 $1,158.25
1st year costs
22 Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market
23. Appendix 2: EBT Food Stamp pilot budget sample
Year 1 Amount
Expenditures
*Wireless terminal, pinpad, programming $900
*Checks (for vendors) $14
*Transaction fees $100
*Tokens $250
*Printing $83
*Office supplies $51.39
*Table, cash box, storage bin, stapler, scissors, etc. $104
*Magnetic white board $20
*Advertising (Newspaper 2 spots) $250
*Miscellaneous, EBT flag, DVD VHS copies $300
*EBT assistant wages ($8.00 X 8hr-wk X 26 wks) $1,700
Expenditure total $3,772.39
Year 2 Amount
Expenditures
Token replacement $50
EBT assistant $1,700
Printing, office supplies, trash can, sign $157.29
*Transaction fees $315.16
Advertising (newspaper) $215
Merchant support (third party) ($25.00 per month, 6 months) $150
Expenditure total $2,587.45
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market 23
24. Appendix 3: Sample vendor token redemption forms
Helena Farmers’ Market Vendor Token Tracking Form
* Vendors, when signed by market, this is your receipt, please keep in your envelope
Vendor
name
Products
sold
$1 (black)
Credit
$5 *Used at any vendor, any item, change back
& Debit
(white)
$1 (green) *Used at vendor with approved Food Stamp items, no change back
EBT
$5 (yellow)
Vendors only Market only
EBT tokens Credit & debit Total Market check Market
tokens
Date # Denom- $Value(A) # Denom- A+B # Tokens Denom- $Value Signature
Tokens ination Tokens ination ination
1-Sep- 1 1 1
07
5 5 5
8-Sep- 1 1 1
07
5 5 5
15-Sep- 1 1 1
07
5 5 5
22-Sep- 1 1 1
07
5 5 5
29-Sep- 1 1 1
07
5 5 5
6-Oct-07 1 1 1
5 5 5
13-Oct- 1 1 1
07
5 5 5
20-Oct- 1 1 1
07
5 5 5
27-Oct- 1 1 1
07
5 5 5
3-Nov- 1 1 1
07
5 5 5
24 Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market
25. Appendix 3: Sample vendor token redemption forms cont.’d
The Original
Gallatin Valley Farmers’
Market
A Project of Career Transitions, Inc.
P O Box 145
Belgrade, MT 59714
406-388-6701
Gallatin Valley Farmers’ Market 2009 EBT Project
Daily Voucher Redemption Log
Date _____________ EBT Manager ______________________
Vendor Name $Value Vendor Signature Date Reimbursed Check No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
Total Voucher Values ____________________
Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market 25
26. Appendix 4: Vendor introduction sheet
Food Stamps EBT at the _______________________ Farmers Market
Vendor EBT/Food Stamp Information Sheet
We will start accepting Food Stamps on ____________. Customers will come to your booth with $1 or $2
Market Tokens. You can collect them throughout the day, and return them to the EBT person at the end of
the market. You will receive a check the following week for the amount of tokens you collect.
The following are some guidelines and rules set by the US Department of Agriculture:
• The customer will decide how much they want to spend
• The Food Stamp representative will swipe their card at the EBT market booth and get instant authorization,
• Customers will receive either $1 tokens or $2 tokens (or both) and use them at stands that are authorized to
accept EBT approved products.
• At the end of the market, you can turn in the tokens and will be reimbursed the following week for the total
amount sold.
Please display your “We Accept EBT Tokens/ Vouchers” sign at your booth each week.
NO CHANGE - you may not give change in any amount for the tokens. They will be in $1 and $2 denominations.
It is illegal to exchange cash for Food Stamp benefits, so the customer will be encouraged to use the full amount.
What can I sell?
• Okay: Produce, milk, meat, bread, candy, cold prepared foods, seeds and plants or seeds for growing food.
• Not okay: alcohol, tobacco, pet food, any non-food item, and any food served hot or “meant to be eaten in
the store,” such as ice cream or coffee.
EBT holders must pay for their purchases at the time of sale. So you may not take payments before they get
the items and you may not give them items and accept payment later.
IMPORTANT:
Your feedback, comments and questions about this pilot will contribute to its success and our ability to help
farmers in the region and across the country expands their ability to utilize this system. Violating the rules will
not only stop us from being able to accept EBT Cards, but also affect the ease with which other farmers and
markets around the region can use them.
Thanks for your cooperation and enthusiasm. Please contact [Market manager, Phone # and Email] with any
questions or concerns you may have.
26 Montana Farmers Market Electronic Benef its Transfer Manual: How to Accept SNAP Benef its at Your Farmers Market