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Do you stress about money? A 'money coach' might be the remedy.

Do you stress about money? A 'money coach' might be the remedy.
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Like many people, Dana Nielsen had spent much of her life struggling with her relationship with money. "It was this object way outside of me that I didn't have control over," she says. "It was something that I needed but didn't value. And I didn't know how to have a relationship with something that I needed but didn't value."

Little did Nielsen know that exploring her relationship with money, figuring out what mental or behavioral obstacles were getting in her way, and forming a plan of action would give her power over her finances for the first time. But that's how she felt after three Money Coaching sessions in a Capital One Café—empowered.

"It gave me confidence," she says. "It gave me trust in myself and trust in money in a way that I had not had in the past. It really connected the dots for me."

Nielsen was just launching her own private psychotherapy practice when she decided to try out the Money Coaching program. She says she was surprised by what it felt like when she arrived at the Capital One Café in San Francisco.

"It was a really different experience of being in a bank than I had had in the past," said Nielsen. "Very calm and casual."

Instead of a sterile atmosphere, Capital One Cafés feel like cool coffee shops, complete with cozy nooks, quality coffee, free WiFi and good lighting. Nielsen was offered a beverage, then her Money Coach invited her to a private space to chat about her goals and values, and how to use money to create a life she would love.

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The Money Coach didn't tell Nielsen much to contribute to her 401K or which stocks she should buy. Instead, the coach helped her explore her beliefs and emotions around money, set financial goals, and make an action plan for reaching them. She left feeling empowered and confident about her finances in a way she never have before — and it didn't cost her a dime.

Nielsen says she had a lot of limiting beliefs about money, and her Money Coaching sessions helped her have a more positive outlook. They allowed her to set a different bar for herself and to align herself with the belief that she could create abundance and have control over her financial life. And it was fun, she says. "I loved bringing play to something that has historically and culturally so dry and so serious. Making it into something personable that I could work with was just so encouraging."

That change in mindset resulted in real-life change. Since completing her Money Coaching sessions, Nielsen has opened a high-interest savings account, paid off a private business loan, raised her fees, and adjusted her sliding scale spots. She has also become more purposeful about where she chooses to spend her money, focusing on conscious brands and supporting more minority-run businesses, to align her spending with her values.

Now Nielsen recommends Money Coaching to people on a regular basis.

"Money is a foundational issue for a lot of people," says Nielsen. "It's in the same kind of belief categories as our sense of safety, sense of belonging, sense of home." She has clients who make a lot of money but also have a lot of debt, and their relationship with money is messy. "For clients and friends that have issues in that department," she says, "I refer them to Money Coaching as a supplement to therapy."

Similar Money Coaching experiences are happening in Capital One Cafés across the U.S., and the program is the brainchild of a team of Capital One creatives and financial advisers who set out to explore what kinds of financial services people really need.

Through their research, the team found that people of all ages and life stages struggle with financial anxiety. If people don't look at their emotional relationship with money, it doesn't matter what changes they make on paper. People's financial success won't budge if they don't address the thoughts, beliefs, and patterns of behavior they have around money.

Mira Lathrop, a co-founder of the Money Coaching program, worked as a financial planner for ten years prior to collaborating on the program, helping people manage their money. That experience, along with a degree in psychology and her work as a certified life coach, made Lathrop the perfect person to help build what has become Capital One's Money Coaching service.The team created the Money Coaching service to help people move from stress to confidence in their relationship with money. This "money journey" is a free service available to the public, even if you're not a Capital One customer. Anyone can come in for three in-person sessions with a Money Coach at no cost and with no further commitment.

Here's how it works:

You set up a time to meet with a Money Coach at a Capital One Café near you. When you arrive for your appointment, an Ambassador in the Café will ask if you want something to drink, give you a tour of the Capital One space if you'd like, and then you meet your Money Coach — a certified coach who has been trained to help people work through beliefs and feelings about money.

You'll be asked a series of open-ended questions and then the coach will help you choose from 10 tools the program has designed to help you discover an alternative perspective. The tools are interactive on an iPad, and include things like; Clear Your Path, Chart Your Values or Looking at your Future. The purpose is to help facilitate an honest, deep-dive into your hopes, fears, and goals — and ultimately leave you feeling empowered in your financial life.

"In coaching, we really believe that you are the driver of your life," says Lathrop. "You know what's best for you. Of course, there are answers that you might need to get, feedback you'd be interested in, and things you need to dive deeper in. But we're facilitating a journey for you and walking alongside you, reminding you that you have access to what you need. You're empowered to find out what's the next best step for you."

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Lathrop says the most consistent feedback from people coming out of sessions is that it wasn't at all what they were expecting, but they are "surprised and delighted" by the experience. People find having an authentic, honest conversation about money refreshing, which is exactly why Capital One designed the program.

"There's a lot of financial advice available, but learning how to engage with money is not something we're taught, she says. It's not taught in school, and it's not very comfortably talked about or taught in families."

"I feel like this is such a rare and beautiful opportunity we're offering," she adds. "Everyone has a powerfully unique experience."


To find a Capital One Café near you and make a free Money Coaching appointment, go to CapitalOne.com/MoneyCoaching.

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75 years ago, this non-profit stepped up to heal war-torn Europe. And they didn’t stop there.

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Some 75 years ago, in bombed-out Frankfurt, Germany, a little girl named Marlene Mahta received a sign of hope in the midst of squalor, homelessness and starvation. A CARE Package containing soap, milk powder, flour, blankets and other necessities provided a lifeline through the contributions of average American families. There were even luxuries like chocolate bars.

World War II may have ended, but its devastation lingered. Between 35 and 60 million people died. Whole cities had been destroyed, the countryside was charred and burned, and at least 60 million European civilians had been made homeless. Hunger remained an issue for many families for years to come. In the face of this devastation, 22 American organizations decided to come together and do something about it: creating CARE Packages for survivors.

"What affected me… was hearing that these were gifts from average American people," remembers Mahta, who, in those desperate days, found herself picking through garbage cans to find leftover field rations and MREs to eat. Inspired by the unexpected kindness, Mahta eventually learned English and emigrated to the U.S.

"I wanted to be like those wonderful, generous people," she says.

The postwar Marshall Plan era was a time of "great moral clarity," says Michelle Nunn, CEO of CARE, the global anti-poverty organization that emerged from those simple beginnings. "The CARE Package itself – in its simplicity and directness – continues to guide CARE's operational faith in the enduring power of local leadership – of simply giving people the opportunity to support their families and then their communities."

Each CARE Package contained rations that had once been reserved for soldiers, but were now being redirected to civilians who had suffered as a result of the conflict. The packages cost $10 to send, and they were guaranteed to arrive at their destination within four months.

Thousands of Americans, including President Harry S. Truman, got involved, and on May 11, 1946, the first 15,000 packages were sent to Le Havre in France, a port badly battered during the war.

Thousands of additional CARE Packages soon followed. At first packages were sent to specific recipients, but over time donations came in for anyone in need. When war rations ran out American companies began donating food. Later, carpentry tools, blankets, clothes, books, school supplies, and medicine were included.

Before long, the CARE Packages were going to other communities in need around the world, including Asia and Latin America. Ultimately, CARE delivered packages to 100 million families around the world.

The original CARE Packages were phased out in the late 1960s, though they were revived when specific needs arose, such as when former Soviet Union republics needed relief, or after the Bosnian War. Meanwhile, CARE transformed. Now, instead of physical boxes, it invests in programs for sustainable change, such as setting up nutrition centers, Village Savings and Loan Associations, educational programs, agroforestry initiatives, and much more.

But, with a pandemic ravaging populations around the world, CARE is bringing back its original CARE packages to support the critical basic needs of our global neighbors. And for the first time, they're also delivering CARE packages here at home in the United States to communities in need.

Community leaders like Janice Dixon are on the front lines of that effort. Dixon, president and CEO of Community Outreach in Action in Jonesboro, Ga., now sends up to 80 CARE packages each week to those in need due to COVID-19. Food pantries have been available, she notes, but they've been difficult to access for those without cars, and public transportation is spotty in suburban Atlanta.

"My phone has been ringing off the hook," says Dixon. For example, one of those calls was from a senior diabetic, she remembers, who faced an impossible choice, but was able to purchase medicine because food was being provided by CARE.

Today, CARE is sending new packages with financial support and messages of hope to frontline medical workers, caregivers, essential workers, and individuals in need in more than 60 countries, including the U.S. Anyone can now go to carepackage.org to send targeted help around the world. Packages focus on helping vaccines reach people more quickly, tackling food insecurity, educational disparities, global poverty, and domestic violence, as well as providing hygiene kits to those in need.

From the very beginning, CARE received the support of presidents, with Hollywood luminaries like Rita Hayworth and Ingrid Bergman also adding their voices. At An Evening With CARE, happening this Tuesday, May 11, notable names will turn out again as the organization celebrates the 75th Anniversary of the CARE Package and the exciting, meaningful work that lies ahead. The event will be hosted by Whoopi Goldberg and attended by former Presidents Barack Obama, George W. Bush, Bill Clinton, and Jimmy Carter, as well as Angela Merkel, Iman, Jewel, Michelle Williams, Katherine McPhee-Foster, Betty Who and others. Please RSVP now for this can't-miss opportunity.

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Live video of man hitting on teen girl offers a glimpse of what young women experience daily

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When the "Me Too" movement exploded a few years ago, the ubiquitousness of women's sexual harassment and assault experiences became painfully clear. What hasn't always been as clear is role that less overt, more subtle creepiness plays in making women feel uncomfortable or unsafe as they move through the world, often starting from a young age.

Thankfully—and unfortunately—a viral video from a teen TikToker illustrates exactly what that looks like in real-time when a man came and sat down with her while she was doing a live video. He asked if the chair at her table was taken, and she said no, thinking he wanted to take it to another table. Instead, he sat down and started talking to her. You can see in her face and in her responses that she's weirded out, though she's trying not to appear rude or paranoid.

The teen said in a separate TikTok video that the man appeared to be in his 30s. Definitely too old to be pulling up a chair with someone so young who is sitting by herself, and definitely old enough to recognize that she was uncomfortable with the situation.

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No one is safe until everyone is safe: the continued cost of a global pandemic

Photo by Daniel Schludi on Unsplash
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The global eradication of smallpox in 1980 is one of international public health's greatest successes. But in 1966, seven years after the World Health Organization announced a plan to rid the world of the disease, smallpox was still widespread. The culprits? A lack of funds, personnel and vaccine supply.

Meanwhile, outbreaks across South America, Africa, and Asia continued, as the highly contagious virus continued to kill three out of every 10 people who caught it, while leaving many survivors disfigured. It took a renewed commitment of resources from wealthy nations to fulfill the promise made in 1959.

Forty-one years later, although we face a different virus, the potential for vast destruction is just as great, and the challenges of funding, personnel and supply are still with us, along with last-mile distribution. Today, while 30% of the U.S. population is fully vaccinated, with numbers rising every day, there is an overwhelming gap between wealthy countries and the rest of the world. It's becoming evident that the impact on the countries getting left behind will eventually boomerang back to affect us all.

Photo by ismail mohamed - SoviLe on Unsplash

The international nonprofit CARE recently released a policy paper that lays out the case for U.S. investment in a worldwide vaccination campaign. Founded 75 years ago, CARE works in over 100 countries and reaches more than 90 million people around the world through multiple humanitarian aid programs. Of note is the organization's worldwide reputation for its unshakeable commitment to the dignity of people; they're known for working hand-in-hand with communities and hold themselves to a high standard of accountability.

"As we enter into our second year of living with COVID-19, it has become painfully clear that the safety of any person depends on the global community's ability to protect every person," says Michelle Nunn, CARE USA's president and CEO. "While wealthy nations have begun inoculating their populations, new devastatingly lethal variants of the virus continue to emerge in countries like India, South Africa and Brazil. If vaccinations don't effectively reach lower-income countries now, the long-term impact of COVID-19 will be catastrophic."

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