He was a homeless veteran. Karis Village offered him not just a home, but a community.

"To me, this building was just a gift."

Capital One

Brian Olesen never imagined he would end up homeless.

The former U.S. Air Force medic had led a full and active life, complete with a long career in the medical field, a 20-year marriage, and a love of anything aquatic. But after hip surgery and chronic back pain left him disabled in 2013, he lost his ability to work. Due to changes in eligibility requirements, he couldn't qualify for federal veteran housing programs. His back issues were difficult to prove medically, so he didn't qualify for disability. Though he'd worked his whole life, having no income for five years took its toll. He got evicted from a couple of apartments and found himself living on the streets.

But in 2018, two things completely turned Olesen's life around. He was able to both qualify for disability and to move into an affordable housing community in Miami's Goulds neighborhood called Karis Village.

When people think of affordable housing, they don't usually picture a place like Karis Village. The 88-unit development is brand new, and built with an attention to design that is not always expected for developments that serve as home to people on limited incomes. The apartments have tile floors, marble countertops, and all new appliances and furniture, and the grounds are beautiful and well-kept, with a playground and common areas for residents to gather.

Brian Olesen in his kitchen at Karis VillageCapital One

Karis Village isn't just a housing development; it's a home and a community. Half of the units are set aside for veterans who have experienced homelessness, like Olesen. The other half are largely occupied by single-parent families.

"To me, this building was just a gift," says Olesen. "All of the different parties that got together to put this building together… making half the building available to veterans. We've got no place to go."

Addressing veteran homelessness was one of the goals of Karis Village, which was built through a partnership that included Carrfour Supportive Housing — a mission-driven, not-for-profit affordable housing organization in southern Florida — and Capital One's Community Finance team. More than just an affordable place to live, the community has full-time staff on hand to help coordinate services—from addiction recovery programs to transportation options to job search and placement. Also included are peer counselors who provide emotional and psychological support for residents.

Karis Village, an affordable housing community in Miami, Florida.Capital One

Carrfour President and CEO Stephanie Berman says the core function of the services team on site is to build a supportive community.

"Often when you think of folks leaving homelessness and coming into housing, you think of shelters or some kind of traditional housing," she says. "You don't really think about a community, and that's really what we build and what we operate. What we're really striving to create is community. We find that our families thrive when you create a sense of community."

The intention to create a supportive community at Karis Village was a priority from the get go. Fabian Ramirez, a Capital Officer on Capital One's Community Finance team, says the bank did a listening tour in southern Florida to explore community development and affordable housing options in the area and to hear what was most needed. After deciding to partner with Carrfour, the bank provided not only an $8 million construction loan and a $25 million low income housing tax credit (LIHTC) investment to help build Karis Village, but it also kicked in a $250,000 social purpose grant to help fund the social support services that would be put in place for residents.

"It's not just all about providing the brick and mortar," says Ramirez. "It's about being able to contribute to the sustainability of the development and of the lives of the people who move into the building."


Capital One

Olesen says he and his fellow residents benefit greatly from the network of support services offered in the building. He says a counselor comes to meet with him once a month, sometimes right in his apartment. He also gets help maintaining a connection with the Veteran Affairs office. Other services include social workers and counselors for drug addiction and alcoholism.

Olesen loves being around other veterans, and he says hearing the sound of children playing keeps the community lively. He says anywhere else he could afford to live on disability wouldn't be nearly as nice and would likely involve shared kitchens and bathrooms and neighborhoods you wouldn't want to go out in at night.

If it weren't for Karis Village, Olesen says he doesn't know where he would be today: "I had nowhere to go and this is a safe, beautiful place to spend my retirement."

"I don't think they could have done a much better job of putting this place together and supplying us with what we need," he says. "I have so much appreciation for the ability to have a place to live. And then you add to that that it's beautiful and completely furnished and you didn't need to bring anything—I don't know what more you could ask for."

Karis Village and another development for veterans built the same year enabled the neighborhood of Goulds to meet the requirements set forth by the U.S. Department of Housing and Urban Development to declare an end to veteran homelessness in the area.

Ending veteran homelessness altogether is a complex task, but communities like Karis Village show how it can be done—and done well. When government agencies, non-profit organizations, and corporate funding programs come together to solve big problems, big solutions can be built and maintained.

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Capital One

On an old episode of "The Oprah Winfrey Show" in July 1992, Oprah put her audience through a social experiment that puts racism in a new light. Despite being nearly two decades old, it's as relevant today as ever.

She split the audience members into two groups based on their eye color. Those with brown eyes were given preferential treatment by getting to cut the line and given refreshments while they waited to be seated. Those with blue eyes were made to put on a green collar and wait in a crowd for two hours.

Staff were instructed to be extra polite to brown-eyed people and to discriminate against blue-eyed people. Her guest for that day's show was diversity expert Jane Elliott, who helped set up the experiment and played along, explaining that brown-eyed people were smarter than blue-eyed people.

Watch the video to see how this experiment plays out.

Oprah's Social Experiment on Her Audience www.youtube.com

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via Cadbury

Cadbury has removed the words from its Dairy Milk chocolate bars in the U.K. to draw attention to a serious issue, senior loneliness.

On September 4, Cadbury released the limited-edition candy bars in supermarkets and for every one sold, the candy giant will donate 30p (37 cents) to Age UK, an organization dedicated to improving the quality of life for the elderly.

Cadbury was prompted to help the organization after it was revealed that 225,000 elderly people in the UK often go an entire week without speaking to another person.

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Well Being

Young people today are facing what seems to be greater exposure to complex issues like mental health, bullying, and youth violence. As a result, teachers are required to be well-versed in far more than school curriculum to ensure students are prepared to face the world inside and outside of the classroom. Acting as more than teachers, but also mentors, counselors, and cheerleaders, they must be equipped with practical and relevant resources to help their students navigate some of the more complicated social issues – though access to such tools isn't always guaranteed.

Take Dr. Jackie Sanderlin, for example, who's worked in the education system for over 25 years, and as a teacher for seven. Entering the profession, she didn't anticipate how much influence a student's home life could affect her classroom, including "students who lived in foster homes" and "lacked parental support."

Dr. Jackie Sanderlin, who's worked in the education system for over 25 years.

Valerie Anglemyer, a middle school teacher with more than 13 years of experience, says it can be difficult to create engaging course work that's applicable to the challenges students face. "I think that sometimes, teachers don't know where to begin. Teachers are always looking for ways to make learning in their classrooms more relevant."

So what resources do teachers turn to in an increasingly fractured world? "Joining a professional learning network that supports and challenges thinking is one of the most impactful things that a teacher can do to support their own learning," Anglemyer says.

Valerie Anglemyer, a middle school teacher with more than 13 years of experience.

A new program for teachers that offers this network along with other resources is the WE Teachers Program, an initiative developed by Walgreens in partnership with ME to WE and Mental Health America. WE Teachers provides tools and resources, at no cost to teachers, looking for guidance around the social issues related to poverty, youth violence, mental health, bullying, and diversity and inclusion. Through online modules and trainings as well as a digital community, these resources help them address the critical issues their students face.

Jessica Mauritzen, a high school Spanish teacher, credits a network of support for providing her with new opportunities to enrich the learning experience for her students. "This past year was a year of awakening for me and through support… I realized that I was able to teach in a way that built up our community, our school, and our students, and supported them to become young leaders," she says.

With the new WE Teachers program, teachers can learn to identify the tough issues affecting their students, secure the tools needed to address them in a supportive manner, and help students become more socially-conscious, compassionate, and engaged citizens.

It's a potentially life-saving experience for students, and in turn, "a great gift for teachers," says Dr. Sanderlin.

"I wish I had the WE Teachers program when I was a teacher because it provides the online training and resources teachers need to begin to grapple with these critical social issues that plague our students every day," she adds.

In addition to the WE Teachers curriculum, the program features a WE Teachers Award to honor educators who go above and beyond in their classrooms. At least 500 teachers will be recognized and each will receive a $500 Walgreens gift card, which is the average amount teachers spend out-of-pocket on supplies annually. Teachers can be nominated or apply themselves. To learn more about the awards and how to nominate an amazing teacher, or sign up for access to the teacher resources available through WE Teachers, visit walgreens.com/metowe.

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One of the major differences between women and men is that women are often judged based on their looks rather than their character or abilities.

"Men as well as women tend to establish the worth of individual women primarily by the way their body looks, research shows. We do not do this when we evaluate men," Naomi Ellemers Ph.D. wrote in Psychology Today.

Dr. Ellers believes that this tendency to judge a woman solely on her looks causes them to be seen as an object rather than a person.

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Culture