+
upworthy
Capital One Impact Initiative

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

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

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

Identity

Celebrate International Women's Day with these stunning photos of female leaders changing the world

The portraits, taken by acclaimed photographer Nigel Barker, are part of CARE's "She Leads the World" campaign.

Images provided by CARE

Kadiatu (left), Zainab (right)

True

Women are breaking down barriers every day. They are transforming the world into a more equitable place with every scientific discovery, athletic feat, social justice reform, artistic endeavor, leadership role, and community outreach project.

And while these breakthroughs are happening all the time, International Women’s Day (Mar 8) is when we can all take time to acknowledge the collective progress, and celebrate how “She Leads the World.

This year, CARE, a leading global humanitarian organization dedicated to empowering women and girls, is celebrating International Women’s Day through the power of portraiture. CARE partnered with high-profile photographer Nigel Barker, best known for his work on “America’s Next Top Model,” to capture breathtaking images of seven remarkable women who have prevailed over countless obstacles to become leaders within their communities.

“Mabinty, Isatu, Adama, and Kadiatu represent so many women around the world overcoming incredible obstacles to lead their communities,” said Michelle Nunn, President and CEO of CARE USA.

Barker’s bold portraits, as part of CARE’s “She Leads The World” campaign, not only elevate each woman’s story, but also shine a spotlight on how CARE programs helped them get to where they are today.

About the women:

Mabinty

international womens day, care.org

Mabinty is a businesswoman and a member of a CARE savings circle along with a group of other women. She buys and sells groundnuts, rice, and fuel. She and her husband have created such a successful enterprise that Mabinty volunteers her time as a teacher in the local school. She was the first woman to teach there, prompting a second woman to do so. Her fellow teachers and students look up to Mabinty as the leader and educator she is.

Kadiatu

international womens day, care.org

Kadiatu supports herself through a small business selling food. She also volunteers at a health clinic in the neighboring village where she is a nursing student. She tests for malaria, works with infants, and joins her fellow staff in dancing and singing with the women who visit the clinic. She aspires to become a full-time nurse so she can treat and cure people. Today, she leads by example and with ambition.

Isatu

international womens day, care.org

When Isatu was three months pregnant, her husband left her, seeking his fortune in the gold mines. Now Isatu makes her own way, buying and selling food to support her four children. It is a struggle, but Isatu is determined to be a part of her community and a provider for her kids. A single mother of four is nothing if not a leader.

Zainab

international womens day, care.org

Zainab is the Nurse in Charge at the Maternal Child Health Outpost in her community. She is the only nurse in the surrounding area, and so she is responsible for the pre-natal health of the community’s mothers-to-be and for the safe delivery of their babies. In a country with one of the world’s worst maternal death rates, Zainab has not lost a single mother. The community rallies around Zainab and the work she does. She describes the women who visit the clinic as sisters. That feeling is clearly mutual.

Adama

international womens day, care.org

Adama is something few women are - a kehkeh driver. A kehkeh is a three-wheeled motorcycle taxi, known elsewhere as a tuktuk. Working in the Kissy neighborhood of Freetown, Adama is the primary breadwinner for her family, including her son. She keeps her riders safe in other ways, too, by selling condoms. With HIV threatening to increase its spread, this is a vital service to the community.

Ya Yaebo

international womens day, care.org

“Ya” is a term of respect for older, accomplished women. Ya Yaebo has earned that title as head of her local farmers group. But there is much more than that. She started as a Village Savings and Loan Association member and began putting money into her business. There is the groundnut farm, her team buys and sells rice, and own their own oil processing machine. They even supply seeds to the Ministry of Agriculture. She has used her success to the benefit of people in need in her community and is a vocal advocate for educating girls, not having gone beyond grade seven herself.

On Monday, March 4, CARE will host an exhibition of photography in New York City featuring these portraits, kicking off the multi-day “She Leads the World Campaign.

Learn more, view the portraits, and join CARE’s International Women's Day "She Leads the World" celebration at CARE.org/sheleads.


Health

Over or under? Surprisingly, there actually is a 'correct' way to hang a toilet paper roll.

Let's settle this silly-but-surprisingly-heated debate once and for all.

Elya/Wikimedia Commons

Should you hang the toilet paper roll over or under?



Upworthy book

Humans have debated things large and small over the millennia, from the democracy to breastfeeding in public to how often people ought to wash their sheets.

But perhaps the most silly-yet-surprisingly-heated household debate is the one in which we argue over which way to hang the toilet paper roll.

The "over or under" question has plagued marriages and casual acquaintances alike for over 100 years, with both sides convinced they have the soundest reasoning for putting their toilet paper loose end out or loose end under. Some people feel so strongly about right vs. wrong TP hanging that they will even flip the roll over when they go to the bathroom in the homes of strangers.

Contrary to popular belief, it's not merely an inconsequential preference. There is actually a "correct" way to hang toilet paper, according to health experts as well as the man who invented the toilet paper roll in the first place.

Keep ReadingShow less
Family

A recently-deceased mom became a celebrity after her kids' published stunningly clever obituary

“I finally have the smoking hot body I have always wanted… having been cremated.”

The Hamilton Spectator

RIP Sybil Marie Hicks

It's said that everyone dies twice. The first is your physical death, the second is the last time anyone utters your name.

Sybil Marie Hicks, from Baysville, Ontario, died on February 2, at the age of 81, but it'll be a long time before her name is forgotten. Her children have turned her into a posthumous celebrity after writing a hilarious first-person obituary for her that was published in The Hamilton Spectator on February 5, 2019.

According to her daughter, it was fitting tribute.

Keep ReadingShow less

Brielle Asero lost her job after 2 months.

TikTokker Brielle Asero, 21, a recent college graduate, went viral on TikTok in October for her emotional reaction to the first day at a 9-to-5 job. The video, which received 3.4 million views, captured the public’s attention because it was like a cultural Rorschach test.

Some who saw the video thought that Asero came off as entitled and exemplified the younger generation’s lack of work ethic. In contrast, others sympathized with the young woman who is just beginning to understand how hard it is to find work-life balance in modern-day America.

“I’m so upset,” she says in the video. "I get on the train at 7:30 a.m., and I don't get home until 6:15 p.m. [at the] earliest. I don't have time to do anything!" Asero said in a video.

Keep ReadingShow less

Gordon Ramsay at play... work.


Gordon Ramsay is not exactly known for being nice.

Or patient.

Or nurturing.

On his competition show "Hell's Kitchen," he belittles cooks who can't keep up. If people come to him with their problems, he berates them. If someone is struggling to get something right in the kitchen, he curses them out.

Keep ReadingShow less
Family

I told a kid a riddle my dad told me when I was 7. His answer proves how far we've come.

This classic riddle takes on new meaning as our world changes for the better.




When I was 7, my dad told me a riddle.

"A man and his son are driving in their car when they are hit by a tractor-trailer.

Photo via iStock.

(We were driving at the time, so of course this was the riddle he decided to tell.)

The father dies instantly.

The son is badly injured. Paramedics rush him to the hospital.

Photo via iStock.

As he is being wheeled into the operating room, the surgeon takes one look the boy and says:

'I can't operate on him. He's my son.'

How is that possible?!"

Without missing a beat, I answered:

Keep ReadingShow less

Know the signs of a domestic abuser.

Most abusers don't start their relationships by hitting their partners. That's why early warning signs are vital to recognize.

I know two women who recently left abusive partners. Both men seemed sweet and likable—even gentle—each time I saw them. Both had some lovely qualities as people and even as partners. And both turned out to be controlling, increasingly abusive partners behind closed doors.


Keep ReadingShow less