He was a homeless veteran. Karis Village offered him not just a home, but a community.
Capital One
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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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2020 was difficult (to say the least). The year was full of life changes, losses, and lessons as we learned to navigate the "new normal." You may have questions about what the changes and challenges of 2020 mean for your taxes. That's where TurboTax Live comes in, making it easy to connect with real tax experts to help with your taxes – or even do them for you, start to finish.

Not only has TurboTax Live helped millions of people get their taxes done right, but this year they've also celebrated people who uplifted their communities during a difficult time by surprising them with "little lifts" to help out even more.

Here are a few of their stories:


Julz, hairdresser and salon owner

"As a hairdresser and salon owner, 2020 was extremely challenging," says Julz. "Being a hairdresser has historically been a recession-proof industry, but we've never faced global shut down due to health risk, or pandemic, not in my lifetime. And for the first time, hairdressers didn't have job security."

Julz had to shut down her salon and go on unemployment benefits for the first time. She also had to figure out how she was going to support herself, her staff and her business during this difficult time. But many other beauty industry professionals didn't have access to the resources they needed, so Julz decided to help.

"My business partner and I began teaching basic financial literacy to other beauty industry professionals," she says. "Transitioning our business from behind the chair to an online academy was a challenge we tackled head-on so that we could move hairdressers into this new space of education, and create a more accessible curriculum to better serve our industry.

Julz connected with a TurboTax Live expert who helped her understand how unemployment affected her taxes and gave her guidance on filing quarterly estimated taxes for her small business. "I was terrified to sit at a computer and tackle this mess of receipts," Julz says, so "it was great to have some virtual handholding to walk me through each question."

In addition to giving Julz the personalized tax advice she needed, TurboTax Live surprised her with a "little lift" that empowered her to help even more beauty professionals. "When my tax expert Diana surprised me with a little lift, I was moved to tears," says Julz. "With that little lift, I was able to establish a scholarship fund to help get other hairdressers the education they deserve."


Alana, new mom

Alana welcomed her first child in 2020. "I think my biggest challenge was figuring out how to be a mom, with no guidance," she says. "My original plan was to have my mom by my side, teaching me the ropes, but because of COVID, she wasn't able to come out here."

She was also without a job for most of 2020 and struggled to find something new.

So, Alana took it as a sign: she decided to launch her own business so she could support her new baby, and that's exactly what she did. She started a feel-good company that specializes in creating affirmation card decks — and she's currently in the process of starting a second, video-editing business.

TurboTax Live answered Alana's questions about her taxes and gave her some much-needed advice as she prepared to launch her businesses. Thanks to their "little lift," they provided her with a little emotional support too.

"I got my mom a plane ticket to finally [have her] meet [my daughter] for her first birthday," Alana says. "I was also able to get a new computer," which helped her invest in her new business and work on her video editing skills. "It's helped my family and me so much," she says.


Michael, science teacher

When schools shut down across the country last year, Michael had to learn how to adapt to a virtual classroom.

"As a teacher, I had to completely revamp everything," he says, so that he could keep his students engaged while teaching online. "At the beginning, it was a nightmare because I had no idea. I had to go from A-Z within a couple of weeks."

Michael's TurboTax Live expert answered his questions about how working from home affected his taxes and helped him uncover surprising tax deductions. To top it all off, his expert surprised him with brand new science equipment and supplies, which allowed him to create an entire line of classes on YouTube, TikTok, Instagram, and Facebook. "Now I can truly potentially reach millions of children with my lessons," he says. "I would never have taken that leap if not for the little lift from TurboTax Live."



Ricky, motivational youth speaker

As a motivational speaker, Ricky was used to doing his job in person, but, he says, "when COVID-19 hit, it altered my ability to travel and visit schools in person [because] schools moved to fully virtual or hybrid models."

He knew he had to pivot — so he began offering small virtual group workshops for student leadership groups at middle and high schools.

"This allowed me to work with student leaders to plan how they would continue making a positive impact on their school community," he says. He wasn't sure how being remote would affect his taxes, but TurboTax Live Self-Employed gave him the advice and answers that he needed to keep more money in his pocket at tax time — and the little lift he received from them has helped him serve even more students.

"[It] has been a major blessing," he says "There will be multiple schools and student groups from across the country that I can hold leadership workshops with to empower them with the tools to be inspirational leaders in their school, community, and world."

Plus, he says, it was great knowing he had an expert to help him figure out how being remote affected his taxes. "I felt confident and assured in the process of filing my taxes knowing I had an expert working with me, says Ricky. "There were things my expert knew that I would not have considered when filing on my own."

Filing your taxes doesn't have to be intimidating, especially after a year like 2020. TurboTax Live experts can give you the "little lift" you need to get your taxes done. File with the help of an expert or let an expert file for you! Go to TurboTax Live to get started.

The battle between millennials and older generations isn't exactly a generational war—it's more a case of mistaken generational identity. A decade ago, whining about millennials being young adults unprepared to make their way in the world at least made sense mathematically. But when people bag on millennials now they end up looking rather foolish.

A marketing researcher with a doctorate in social psychology wrote an op-ed for the Chicago Tribune titled "Post-pandemic, some millennials finally decide to start #adulting." And when the Tribune shared it to Twitter, their since-deleted tweet read, "Writer Jennifer Rosner predicts COVID-10 lockdowns will force easy-breezy millennials to grow up."

Hoo boy.

Interestingly, the writer of the op-ed is a millennial herself, but she repeats generalizations about her entire generation that seem like they mainly apply to her own social circle. Read it yourself to decide, but regardless, the tweet of the op-ed itself set off a firestorm of responses from millennials who are tired of being painted as irresponsible young people who don't know how to "adult" instead of what they actually are.

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True

2020 was difficult (to say the least). The year was full of life changes, losses, and lessons as we learned to navigate the "new normal." You may have questions about what the changes and challenges of 2020 mean for your taxes. That's where TurboTax Live comes in, making it easy to connect with real tax experts to help with your taxes – or even do them for you, start to finish.

Not only has TurboTax Live helped millions of people get their taxes done right, but this year they've also celebrated people who uplifted their communities during a difficult time by surprising them with "little lifts" to help out even more.

Here are a few of their stories:


Julz, hairdresser and salon owner

"As a hairdresser and salon owner, 2020 was extremely challenging," says Julz. "Being a hairdresser has historically been a recession-proof industry, but we've never faced global shut down due to health risk, or pandemic, not in my lifetime. And for the first time, hairdressers didn't have job security."

Julz had to shut down her salon and go on unemployment benefits for the first time. She also had to figure out how she was going to support herself, her staff and her business during this difficult time. But many other beauty industry professionals didn't have access to the resources they needed, so Julz decided to help.

"My business partner and I began teaching basic financial literacy to other beauty industry professionals," she says. "Transitioning our business from behind the chair to an online academy was a challenge we tackled head-on so that we could move hairdressers into this new space of education, and create a more accessible curriculum to better serve our industry.

Julz connected with a TurboTax Live expert who helped her understand how unemployment affected her taxes and gave her guidance on filing quarterly estimated taxes for her small business. "I was terrified to sit at a computer and tackle this mess of receipts," Julz says, so "it was great to have some virtual handholding to walk me through each question."

In addition to giving Julz the personalized tax advice she needed, TurboTax Live surprised her with a "little lift" that empowered her to help even more beauty professionals. "When my tax expert Diana surprised me with a little lift, I was moved to tears," says Julz. "With that little lift, I was able to establish a scholarship fund to help get other hairdressers the education they deserve."


Alana, new mom

Alana welcomed her first child in 2020. "I think my biggest challenge was figuring out how to be a mom, with no guidance," she says. "My original plan was to have my mom by my side, teaching me the ropes, but because of COVID, she wasn't able to come out here."

She was also without a job for most of 2020 and struggled to find something new.

So, Alana took it as a sign: she decided to launch her own business so she could support her new baby, and that's exactly what she did. She started a feel-good company that specializes in creating affirmation card decks — and she's currently in the process of starting a second, video-editing business.

TurboTax Live answered Alana's questions about her taxes and gave her some much-needed advice as she prepared to launch her businesses. Thanks to their "little lift," they provided her with a little emotional support too.

"I got my mom a plane ticket to finally [have her] meet [my daughter] for her first birthday," Alana says. "I was also able to get a new computer," which helped her invest in her new business and work on her video editing skills. "It's helped my family and me so much," she says.


Michael, science teacher

When schools shut down across the country last year, Michael had to learn how to adapt to a virtual classroom.

"As a teacher, I had to completely revamp everything," he says, so that he could keep his students engaged while teaching online. "At the beginning, it was a nightmare because I had no idea. I had to go from A-Z within a couple of weeks."

Michael's TurboTax Live expert answered his questions about how working from home affected his taxes and helped him uncover surprising tax deductions. To top it all off, his expert surprised him with brand new science equipment and supplies, which allowed him to create an entire line of classes on YouTube, TikTok, Instagram, and Facebook. "Now I can truly potentially reach millions of children with my lessons," he says. "I would never have taken that leap if not for the little lift from TurboTax Live."



Ricky, motivational youth speaker

As a motivational speaker, Ricky was used to doing his job in person, but, he says, "when COVID-19 hit, it altered my ability to travel and visit schools in person [because] schools moved to fully virtual or hybrid models."

He knew he had to pivot — so he began offering small virtual group workshops for student leadership groups at middle and high schools.

"This allowed me to work with student leaders to plan how they would continue making a positive impact on their school community," he says. He wasn't sure how being remote would affect his taxes, but TurboTax Live Self-Employed gave him the advice and answers that he needed to keep more money in his pocket at tax time — and the little lift he received from them has helped him serve even more students.

"[It] has been a major blessing," he says "There will be multiple schools and student groups from across the country that I can hold leadership workshops with to empower them with the tools to be inspirational leaders in their school, community, and world."

Plus, he says, it was great knowing he had an expert to help him figure out how being remote affected his taxes. "I felt confident and assured in the process of filing my taxes knowing I had an expert working with me, says Ricky. "There were things my expert knew that I would not have considered when filing on my own."

Filing your taxes doesn't have to be intimidating, especially after a year like 2020. TurboTax Live experts can give you the "little lift" you need to get your taxes done. File with the help of an expert or let an expert file for you! Go to TurboTax Live to get started.