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Get to know a VSLA. They're popping up all over the place.

So smart and simple.

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Gates Foundation

I went to a tiny village in Cambodia where the women were really smart with their money.

They handled their money in a way I've never seen before: together.

They don't have traditional banking in their village, so they've created their own way of banking.

You won't find traditional financial services in this area because they don't exist. And until recently, the idea of saving money didn't really exist either. No banking and no saving? It's the ultimate recipe to staying in poverty. But that's starting to change.

It's really neat how they're doing it.

All the things for their "banking" — besides people, of course.

The women meet every week, with one lockbox and three keys.

They sit together in a circle and take turns contributing to the group lockbox. It can be as little as a few cents!

Then they have the option to take money out of the box to pay for things like medical care, education expenses, more pigs for their farm, or even to start a business. They just gotta repay it with interest. ( Sounds like a loan ... because it is!)

A meeting in sped-up action.

It's all part of the village savings and loan association (VSLA) model, and it's helping these women lift themselves out of poverty.

VSLAs are where it's at in the developing world right now. A VSLA group consists of around 15-20 members (usually women) who learn how to save money together and allow each other to borrow funds from the savings. The impact is more than I could ever have imagined, especially when you see it all in action.

All the money is kept in the group lockbox, and it's one member's job to protect the box between meetings. Sounds like a lot of pressure, but don't worry: the box has three locks on it, and three different members are each responsible for a key. It helps build trust within the group and the community.

At the end of each year, the savings plus interest earnings are divided among the members based on the amount each member was able to save.

And then it starts over again. Members can remain in the group or leave, and new members can join. Elections are held to determine certain leadership roles, and a new year of saving starts. Cool idea, right? Here's more on how the VSLA model works.

VSLAs are opening doors that no one knew existed.

There are a lot of rural areas of the world that do not have access to traditional banking. When a VSLA begins operating in a community, it can help people start businesses, improve their health care options, and increase opportunities for their children. Those are all crucial steps to breaking the cycle of poverty.

It helped this woman pay for transportation to the nearest hospital so she could deliver her baby.

Deliver her BABY. Amazing. Imagine if she didn't have that resource.

The best part? Today there are millions of people participating in the VSLA model...

...in rural areas worldwide, with the help of numerous organizations and foreign-aid programs.

This video does a great job of showing the possibilities that VSLAs are opening up for women and families around the world:

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Pets

The most inspiring pet stories of 2024

Leading pet brand Nulo knows every cat and dog has the power to be incredible.

via Keswick Mountain Rescue Team/Instagram, Cat Protection/Youtube

Incredible pets deserve incredible food.

2024 was a year filled with heartwarming stories that reminded us of the incredible bond between humans and their furry companions. From acts of bravery to heartwarming gestures, these pets made a huge impact on the lives of their owners… and the lives of many, many more.

It’s stories like these that continue to inspire leading pet nutrition brand Nulo, which is committed to helping pets live their best lives with functional, delicious and nutritious food. Through their innovative and intentional formulas, Nulo fuels incredible cats and dogs just like the ones below each and every day.

Enjoy some stories below of 2024’s goodest boys and girls — courageous dogs, trauma-informed kitties and much, much more —that really show the unwavering love and loyalty animals bring into our lives. Their inspiring actions fuel incredible.

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When a 71-year-old man went unconscious and collapsed during a steep hike, his golden retriever and a black labrador instinctively broke up into a rescue team — the smart and resourceful labrador going off to look for help, and the loyal goldie staying by its owner's side. Sometimes it’s smart to have two of “man’s best friends.”

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Marley, a seven-year-old, black and white feline known for his "incredible gift of empathy” won Cat Protection's National Cat of the Year 2024 for the way he comforts women who have been enslaved, exploited and trafficked and staying at the Caritas Bakhita Safe House in London. He’s known to often leave a reassuring paw on guests’ legs to “let them know they’re not alone,” a gesture often called “the first kindness they’ve experienced in years.”

- YouTubewww.youtube.com

In early 2024, Kobe, a four-year-old husky with an extraordinary sense of smell, began digging obsessively in the yard. At first the pooch’s owner, Chanell Bell, thought this was just typical behavior, but soon discovered that Kobe had indeed detected a dangerously large cloud of natural gas that would have not only been seriously life-threatening to her, but the entire neighborhood. It’s like they say, “the nose knows.”

Eight-year-old golden retriever Roger, may have failed his drug-sniffing training in Taiwan, but it turns out he has a knack for rescue operations during natural disasters. After a 7.4-magnitude earthquake struck, Roger dug through the rubble of a collapsed building to locate the body of one of the 13 people killed in the quake, offering closure to a grieving family. This earned him the nickname of “the pride of Taiwan” on social media.

Dogs don’t only save humans — sometimes they rescue other animals as well.

When folks scrolling through the X account called “Animals Dying” saw a video of a creature swimming through murky water with a deer fawn in its jaws, they probably assumed it was an alligator enjoying its latest meal. But to everyone’s surprise and delight, it was actually a Labrador Retriever making sure the sweet little fawn didn’t drown.

Once a stray, 12-year-old Cilla found her home at Outwoods Primary School in Warwickshire, England, where she calms anxious students, inspires a community of cat lovers on X, and has even used her social media celebrity to help raise £5,000 to restock the school library — a place she loves to lounge in.

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In July, Bloodhound puppy and K-9 unit member Remi used his powerful nose to help an autistic and non-verbal boy who had gotten lost find his way back home. Deputy B. Belk, Remi’s partner, used a piece of sterile gauze to collect the scent from the boy’s forearms and the back of his neck and had Remi “reverse” track backwards for about half a mile to locate the child’s home in a nearby neighborhood.

- YouTubewww.youtube.com

When a beautiful pooch named Gita saw her 84-year-old owner fall and hurt his leg, she ran down to the main road, and refused to move until someone stopped to help. Eventually she was seen by a man named Deputy Wright, who tried to get Gita into his patrol car, but the dog wouldn’t budge. When Gita did finally bolt off, Wright followed her down to where the man had been stranded, and was able to help him. Without her protection, who knows if the man would have been found in time? “The loyalty and heroism of our furry friends never cease to amaze us,” Wright would end up writing on Facebook.

If there’s an incredible furry friend in your own life, nothing says “thank you” quite like a nourishing meal. Check out Nulo for a variety of recipes sure to be loved by your beloved pet.

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Health

Doctor breaks down how to recognize ADHD in adults. The symptoms may be surprising.

"75% of adults with anxiety actually have ADHD as the cause of their anxiety."

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Doctor breaks down how to recognize ADHD in adults

If it seems that everyone is being diagnosed with Attention Deficit Hyperactivity Disorder (ADHD), there may be a reason and it's likely not the reason people think. Diagnostic criteria were initially based off of how ADHD presented in white children who were mostly male, so if you fell outside of that box your diagnosis was often overlooked. This is especially true in girls who then turned into undiagnosed or misdiagnosed women.

But it's not just women who were undiagnosed since the criteria mostly included ways in which hyperactivity showed up—you know, the "H" in ADHD. But not everyone with ADHD presents with the stereotypical hyperactivity bit. Dr. Heather Brannon breaks down ways in which ADHD is missed and how to identify it in adults.

In the first few minutes of the video, Brannon drops a statistic that feels mind-boggling: "75% of adults with anxiety actually have ADHD as the cause of their anxiety." Even though I fit into that category, consider my mind completely boggled because I thought I was a rarity and my psychiatrist was a magician. Turns out, he was probably just up to date on his continuing education credits.

Brannon talks about how people who may express feelings of overwhelm, anxiousness, and tiredness and who are easily frustrated may actually have undiagnosed ADHD.

It's pretty easy to overlook ADHD that presents with more of the attention deficit part of the diagnosis than the hyperactivity part. When someone is having difficulty sitting still, talking so fast that you can barely keep up and is constantly on the go, it's pretty easy to pinpoint there may be an issue.

But when the person is quiet, sits still but misses large chunks of conversations or is chronically forgetful and sleepy, it's much easier to miss the signs, according to Brannon.

Brannon says many people feel bad about themselves without knowing why, so having an answer for why you're feeling this way can be helpful.

The video is really fascinating and may help others recognize signs within themselves or with loved ones.

Give it a gander below:

This article originally appeared last year.

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Pop Culture

An OnlyFans star had sex with 101 men in a single day and shared how it affected her mental health

This is why more young people are saying "No Thanks" to casual hookups.

lillyphillipstokk/TikTok & Josh Pieters/YouTube

In the absence of proper sex education in many parts of the country, more and more people are turning to online pornography to learn how things work. In that case, people will be very interested to hear about the curious case of Lily Phillips. The 23-year-old OnlyFans star recently took on an ambitious, if a little gross, challenge: She was going to sleep with 100 men in just 24 hours.

Lily spent months "training" for the stunt, and on the big day, invited a documentary filmmaker along to record what was sure to be a wild journey. The guys were recruited through Lily's large fanbase and flew in to meet her from all over the world. During the stunt, they would take turns coming into the room where they would make small talk, hang their clothes up, and have about 2-3 minutes each with Lily.

One guy brought a single rose.

The most interesting part of filmmaker Josh Pieter's documentary, however, is the aftermath. Immediately afterwards, Lily told the film crew she was feeling physically fine. But anyone watching can clearly see that she is physically and, more importantly, emotionally exhausted.

"It's not for the weak girls, if I'm honest. It was hard, I don't know if I'd recommend it." She then gets emotional trying to describe the intensity of the experiment and has to walk off camera to collect herself.


Lily Phillips crying and collecting herself while being interviewed by documentary crewJosh Pieters/YouTube

Lily eventually opened up and said the thing that got to her was the awkwardness of some of the interactions, how uncomfortable it was at times and feeling pressure to show the guys "a good time," worrying that some of them didn't like her or were disappointed in the experience, or in her. Some of the men guilted her for not spending more time with them or not fulfilling certain expectations they had going in.

I know, I know. It's hard to feel too bad for her knowing she came up with this idea on her own to grow her business and willingly participated. But hearing her reflect on the aftermath is a surprisingly human and affecting moment. Most non-adult stars will, obviously, never attempt such a stunt. But the emotions Lily was feeling at the end of the day still seem awfully relatable to us regular human-beings.

Even the documentary director was surprised by Lily's reaction. "I certainly didn't expect to see Lily so upset at the end of it all," Josh Pieters said. "I thought perhaps in years to come she might look back on this day in sadness, but not so instantly afterwards."

- YouTubewww.youtube.com

Casual sex has its upsides for some people, but it's emotionally fraught for all parties and has been linked to negative mental health outcomes.

It might be a stretch to call an OnlyFans content stunt "casual sex," but there's a lot we can learn by the end of Lily and Josh's documentary. VerywellMind writes that casual hookups can damage your health in many different ways. There's a risk of disappointment, regret, damaged self-esteem, depression, embarrassment, and more.

Even a so-called professional can't escape some of these emotions! So us normies have to be really careful. It's not that hookups are inherently bad, but a lot of people jump into them without setting expectations, communicating well, and properly thinking through how they're going to feel at the end.

This is a big reason younger generations like Gen Z have been moving away from the casual dating and hooking up culture previous generations were big on.

Global Dating Insights writes that young people report "feeling burnt out, anxious, and disconnected after engaging in short-term flings or casual hookups" and are more likely to seek platonic or long-term romantic relationships — though there are other factors involved in this shift, as well.

A 28-year-old woman told the LA Times, "“[Not having sex] helps me relax,” she said. “It’s not that I don’t care about how I look or how I come off to other people. But I have a little extra help caring less about it, because I don’t have to worry about attracting specific kinds of people for specific things.”

A 21-year-old wrote in to Men's Health curious why everyone he met seemed to only want a romantic relationship or be "demisexual," which means they only feel attraction to someone after forming a strong emotional connection.

It's fascinating to see the pendulum start to swing in the opposite direction as become more aware of some of the mental-health downsides to a practice that has been commonplace for decades.

At the end of the day, feelings aside, the stunt was a huge success for Lily in terms of exposure and content. So much so that she quickly announced a new plan to break the world record for sexual partners in a 24 hour span by trying to reach 1,000 — the current record, for anyone wondering, is 919 set in 2004.

Good luck, we think?

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Health

The 3-step Harvard conversation trick that makes shy people more likable

This will ease social anxiety at your next party.

via Pavel Danilyuk/Pexels

Two people having a conversation at a party.

Many people, especially those who are introverted and shy, are uncomfortable making small talk with someone new, whether they’re at a party, work event, or just standing in line at the grocery store. However, a Harvard study revealed a simple 3-step trick to make you more likable and conversations more comfortable.

The researchers found that when approaching someone you have never met, asking a question and then 2 follow-up questions dramatically increases your likeability. The study was conducted by Harvard researchers and published in the Journal of Personality and Social Psychology.

“We identify a robust and consistent relationship between question-asking and liking,” the study's authors write. “People who ask more questions, particularly follow-up questions, are better liked by their conversation partners.”

How do I make new people like me?

The study should be a big relief to shy people and introverts who are not interested in trying to impress people by going on and on about themselves.

According to the research, when you meet someone new at a party, the important thing is to approach them like it’s an interview, and you are the journalist. You just need one strong opening question and then you can follow up 2 times by asking them to clarify what they meant or expand on something they said.

via Nicole Michalou/Pexels

“Think to yourself, I need to ask at least five questions in this conversation, or I need to ask questions in this conversation, listen to the answers, and ask follow-up questions. It’s easy to do, and — even better — requires almost no preparation,” Alison Wood Brooks, assistant professor and Hellman Faculty Fellow at Harvard Business School and a co-author of the study, said, according to Forbes.

People like those who ask follow-up questions not only because they enjoy talking about themselves. It also shows that their conversation partner is actively listening. They are paying attention, not looking over your shoulder at someone else. “Follow-up questions are an easy and effective way to keep the conversation going and show that the asker has paid attention to what their partner has said,” the researchers write.

The findings counter the strategy many use when meeting someone for the first time, whether on a blind date or at a networking event. For many, the first step is to try and impress the new person, but research shows that’s not the case.

conversation, introverts, harvardTwo people talking at a party.via Antoni Shkraba/Pexels

“The tendency to focus on the self when trying to impress others is misguided,” the study’s authors wrote, adding that “redirecting the topic of conversation to oneself, bragging, boasting or dominating the conversation, tend to decrease liking.”

It’s a pretty simple concept: people like talking about themselves and if you allow them, they’ll like you more. “Compared to those who do not ask many questions, people who do are better liked and learn more information from their conversation partners,” Brooks said. “This strategy does both. It’s an easy-to-deploy strategy anyone can use to not only be perceived as more emotionally intelligent but to actually be more emotionally intelligent as well.”

One of the studies cited by the authors focused on online dating and found that asking follow-up questions meant a greater chance of getting a second date. The researchers found that the top third of question-askers got the most second dates. When researchers looked at face-to-face speed daters, where they met 20 people at a time, they found that asking one more question on each date would help someone succeed in getting a “yes I want to see you again” on one more date.

The 3-question rule has some caveats. You should make sure you're having a conversation, not an interrogation. “Asking a barrage of questions without disclosing information about yourself may come across as guarded, or worse, invasive,” Brooks says.

party, conversastion tips, harvardSome folks having fun at a party.via Pavel Danilyuk/Pexels

How much should I talk in a conversation?

While it’s important to ask questions when you meet someone new, you can’t let them do all the talking. Research shows that the perfect conversation ratio is 43:57. You do 43% of the talking and 57% of the listening. The goal is to make your conversation partner and new friend think, “Wow, that person really gets me” by the time the conversation ends.

The next time you find yourself in a social situation, you can feel a bit more relaxed knowing there is a scientifically proven way to ensure that people will find you likable and a good conversationalist. Remember the three-question rule: Open with a question and then ask 2 follow-ups.


This article originally appeared in September.

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Family

Watch a 3-year-old adorably sing 'You Raise Me Up,' giving the lyrics a whole new meaning

"I am strong when I am on your shoulders…"

Photo credit: Canva

"You Raise Me Up" is a perfectly fitting song for a small child to sing.

Tantrums aside, there's not much a 3-year-old can do that isn't cute, but sometimes a little one pushes the adorable envelope so far you swear you might burst. Remember the little Italian preschooler gesticulating like an 85-year-old Sicilian grandmother? Or the 3-year-olds philosophizing about the meaning of friendship? Or the wee one who was convinced her favorite Disney characters had called her on the phone? Just when you think there can't be another little kid cuteness that tops the last, along comes a crooner with a tiny top bun to get us all up in our "Awwww"s again.

Nicholas Protsenko is only 3 years old, but he sings in public with his 6-year-old brother Leo playing the piano behind him (and sometimes with their older sister, Karolina, accompanying them on the violin). The musical family busks on sidewalks, much to the delight of passersby, and one recent performance of "You Raise Me Up" has people online cheering as well. Not only does Nicholas sing the whole song from memory, but there's something about a 3-year-old belting out, "I am strong when I am on your shoulders/
You raise me up to more than I can be" that just hits different.

Watch:

- YouTubewww.youtube.com

"You Raise Me Up" was made popular in the U.S. by Josh Groban, but it was first performed by the Irish-Norwegian band Secret Garden. The melody was written by Secret Garden's Rolf Løvland and the lyrics by Irish novelist and songwriter Brendan Graham. It's been covered dozens of times, but Nicholas's version has people particularly tickled.

"That is an absolutely amazing performance from a three year old . . . well done Nicholas."

"What a cutie patootie. Well done Nicholas. The whole family is musically gifted and a joy to watch."

"Nothing is better than this! Filling my heart and soul to overflow. Thank you little ones!"

"My soul needed this. Let him know he did a great job and made my day."

All three of the Protsenko kids are musical, as are their parents. Karolina was featured on The Ellen Show at age 10 after being spotted performing at the promenade in Santa Monica and has since gained millions of followers on social media. The family has documented their kids' musical journeys on social media and as this commenter shared, it's brought lots of joy to their followers:

"These kids are phenomenal. I’ve watched these kids playing on the floor while their sister, Karolina, played the violin. Even before Karolina played the keyboards, or the guitar. Later, Leo was banging on little toy drums, and Nicholas was walking around playing like he was really playing a guitar. In a very short while, surprisingly, Leo started playing the keyboards for real. He was even playing them without even looking. Now, little Nicholas is singing. I’m blown away because he remembers all the words, and stays on key. He’s only like, three years old."

Indeed, it is quite extraordinary to be able to sing a whole song from memory, with accompaniment, at 3 years old. Other videos show Nicholas singing at home, in church and on street corners with the family, and he seems to genuinely enjoy himself.

Interestingly, many people think of "You Raise Me Up" as a praise/worship song, but there's nothing explicitly pointing to God or any higher power in the lyrics. In fact, the lyricist himself has refused to say who the "you" in the song is referring to. In reference to that question, which he says he's been asked frequently, Brendan Graham writes:

"I have never answered that question and it is best left unanswered. In that way the ‘you’ can be whomever you want it to be…mother, father, sister, brother, son, daughter, grandparent, husband, wife, partner, a loved one, a leader, a teacher…or even a power outside of ourselves…nature…the beauty of our world.

The ‘you’ can be anybody or anything that raises us up to be more than we can be…on our own.

In these times of great affliction for people everywhere, the ‘you’ can be each of us through what we do to help each other, to keep each other safe…to raise each other up.

It can also be each of you, who around the world come together to perform this song of hope and strength and gratitude for all those in our countries and communities who care for us…are there for us…and keep us safe."

All the more perfect for it to be sung by a 3-year-old.

You can follow the Protsenko Family on YouTube.

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Teachers

A boy told his teacher she can't understand him because she's white. Her response is on point.

'Be the teacher America's children of color deserve, because we, the teachers, are responsible for instilling empathy and understanding in the hearts of all kids. We are responsible for the future of this country.'

Photo by John Pike. Used with permission.

Emily E. Smith is no ordinary teacher.

Fifth-grade teacher Emily E. Smith is not your ordinary teacher. She founded The Hive Society — a classroom that's all about inspiring children to learn more about their world ... and themselves — by interacting with literature and current events. Students watch TED talks, read Rolling Stone, and analyze infographics.

She even has a long-distance running club to encourage students to take care of their minds and bodies. Smith is such an awesome teacher, in fact, that she recently received the 2015 Donald H. Graves Award for Excellence in the Teaching of Writing.

It had always been her dream to work with children in urban areas, so when Smith started teaching, she hit the ground running. She had her students making podcasts, and they had in-depth discussions about their readings on a cozy carpet.

But in her acceptance speech for her award, she made it clear that it took a turning point in her career before she really got it:

"Things changed for me the day when, during a classroom discussion, one of my kids bluntly told me I "couldn't understand because I was a white lady." I had to agree with him. I sat there and tried to speak openly about how I could never fully understand and went home and cried, because my children knew about white privilege before I did. The closest I could ever come was empathy."

Smith knew that just acknowledging her white privilege wasn't enough.

She wanted to move beyond just empathy and find a way to take some real action that would make a difference for her students.

She kept the same innovative and engaging teaching methods, but she totally revamped her curriculum to include works by people who looked like her students. She also carved out more time to discuss issues that her students were facing, such as xenophobia and racism.

And that effort? Absolutely worth it.

As she said in her acceptance speech:

"We studied the works of Sandra Cisneros, Pam Munoz Ryan, and Gary Soto, with the intertwined Spanish language and Latino culture — so fluent and deep in the memories of my kids that I saw light in their eyes I had never seen before."

The changes Smith made in her classroom make a whole lot of sense. And they're easy enough for teachers everywhere to make:

— They studied the work of historical Latino figures, with some of the original Spanish language included. Many children of color are growing up in bilingual households. In 2007, 55.4 million Americans 5 years of age and older spoke a language other than English at home.

— They analyzed the vision of America that great writers of color sought to create. And her students realized that our country still isn't quite living up to its ideals. Despite progress toward racial equality with the end of laws that enforced slavery or segregation, we still have a long way to go. Black people still fare worse than white people when it comes to things like wealth, unfair arrests, and health.

— They read excerpts from contemporary writers of color, like Ta-Nehisi Coates who writes about race. Her students are reading and learning from a diverse group of writers. No small thing when they live in a society that overwhelmingly gives more attention to white male writers (and where the number of employees of color in the newspaper industry stagnates at a paltry 12%).

— They read about the Syrian crisis, and many students wrote about journeys across the border in their family history for class. The opportunity particularly struck one student; the assignment touched him so much that he cried. He never had a teacher honor the journey his family made. And he was proud of his heritage for the first time ever. "One child cried," Smith shared, "and told me he never had a teacher who honored the journey his family took to the United States. He told me he was not ashamed anymore, but instead proud of the sacrifice his parents made for him."

Opportunities like this will only increase as the number of children from immigrant families is steadily increasing. As of 2013, almost 17.4 million children under 18 have at least one immigrant parent.

Smith now identifies not just as an English teacher, but as a social justice teacher.

ethnicity, responsibility, empathy

Teaching in a racially and ethnically diverse world.

Photo by John Pike. Used with permission.

Smith's successful shift in her teaching is an example for teachers everywhere, especially as our schools become increasingly ethnically and racially diverse. About 80% of American teachers are white. But as of last year, the majority of K-12 students in public schools are now children of color.

As America's demographics change, we need to work on creating work that reflects the experiences that our students relate to. And a more diverse curriculum isn't just important for students of color. It's vital for everyone.

As Smith put it, "We, the teachers, are responsible for instilling empathy and understanding in the hearts of all kids. We are responsible for the future of this country."


This article originally appeared nine years ago.

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