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Capital One Impact Initiative

This organization is helping women take charge of their careers and their finances.

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Capital One Future Edge

As a young woman, Brandi Tillman never thought of herself as a financial role model.

Growing up in Chicago, she was raised to believe that navigating the financial world was a task that was best left to men.

“I know firsthand, boys in my family are taught to save money," says Tillman. “Work a job, save money, 'this is how you get a house, this is how you get a car.' The girls [weren't] taught that [as much]."


So it's understandable that when she opened her first savings account in college, she didn't really try to understand how to use it.

“I didn't know how to manage [a savings account] without overdrawing," recalls Tillman. “I didn't keep it long because I didn't know what to do with it."

Needless to say, Tillman had developed a bit of a financial blindspot over the years that was impeding her ability to achieve the level of success of which she was more than capable.

It impacted her career as well. She veered away from jobs that dealt significantly with finance.

Thankfully, Tillman got wind of an organization called Dress for Success that's helping women learn the skills they need to succeed in both the workplace and finance world.

A Dress for Success class in Seattle. Photo via Dress for Success.

Started in 1997, Dress for Success Worldwide is a global organization that was created to “empower women to achieve economic independence by providing a network of support, professional attire and the development tools to help women thrive in work and in life."

One of those tools is now a comprehensive financial education program. In partnership with Capital One, Dress for Success is offering its network of goal-oriented, career-driven women the opportunity to take a financial well-being course aimed at helping them define and achieve their individual goals.

Tillman was invited to participate through the Professional Women's Group — a life-long network of employed Dress for Success women that offers support, practical information and inspiration to help them reach their goals.

She agreed because she had never taken any class or course on finances before. However, she wasn't sure what to expect.

“When I signed up for it, I thought it would just be talking about how to make money, then how to spend it, then how to save. I thought those were going to be the main points, but there was this broad perspective."

The 13-week program, hosted at Capital One's Lincoln Park Café and facilitated by Café Ambassadors, went in-depth on subjects like stocks and bonds, mutual funds, how banks interact with consumers, and the tactics for building and maintaining good credit.

For Tillman, it was a game changer. “I heard about these things before, but I never got any kind of explanation on how to get them, what they're there for, different ways they're used," she explains.

But the program's not just about helping women gain financial knowledge. It's helping women, like Tameka Flowers, land the job of their dreams.

Flowers (center) graduating from the financial literacy program. Photo via Flowers.

A working mother of three from Los Angeles, Flowers was job searching frantically for something that could pay the bills immediately rather than thinking long-term.

“I was applying for any job," says Flowers.

She went on 20 interviews, but kept coming back empty-handed. Then Dress for Success helped her clearly define her goals and think about the future. Soon after, she landed her dream job as Manager of Learning and Development for Goodwill Southern California. She also now serves as an Ambassador for Dress for Success Worldwide, and was invited to participate in the organization's Financial Education Program.

“Just being a part of that program, it really took my confidence to the next level," she says.

As much as the Financial Literacy Program is about strategizing and defining your own financial goals, it's also about learning from other women of all backgrounds and financial histories, and creating a network of support.

Ana Maria Matos, a social worker from Portland, Oregon, who also took the course, likens it to learning to speak English as her second language.

“I don't feel like you learn it in the classroom. You learn it by going out and speaking and talking to other people. I think financial [strategy] is the same way."

“There were women who were 50, 60 plus in our class who could give insight on mistakes they had made…financial mistakes and financial goals they had throughout life," explains Tillman.

And it didn't only go one-way. Tillman said the younger members were just as adept at teaching the older women about online banking, cash-pay apps like Zelle and other technological advances in finance.

A Dress for Success class in Glendale, California. Photo via Dress for Success.

Now Tillman is interested in passing her newfound financial wisdom on to her 14-year-old daughter, Makya. In fact, at the top of Tillman's newly defined financial priorities is opening a savings account in her daughter's name.

Perhaps Tillman's daughter will even have the opportunity to join this fast-growing network of strong and supportive women. Since its inception, Dress for Success Worldwide has expanded to more than 150 cities across 30 countries, and continues to invest in the lives of more and more women every day.

Being able to take charge of personal finances is vital to securing independence and security for the future, and should be a prerogative of every person, regardless of age or background.

Tillman, Flowers and Matos are just a handful of the women from Dress for Success Worldwide who've taken charge of their own financial well-being. And they hope to lead and inspire many more to follow suit.

“One of the things I really think we need to create [is] awareness," says Matos. “All of us can dream and achieve goals. It just happens that we need to have somebody who can make us see that nothing is impossible."

Island School Class, circa 1970s.

Parents, do you think your child would be able to survive if they were transported back to the '70s or '80s? Could they live at a time before the digital revolution put a huge chunk of our lives online?

These days, everyone has a phone in their pocket, but before then, if you were in public and needed to call someone, you used a pay phone. Can you remember the last time you stuck 50 cents into one and grabbed the grubby handset?

According to the U.S. Federal Communications Commission, roughly 100,000 pay phones remain in the U.S., down from 2 million in 1999.

Do you think a 10-year-old kid would have any idea how to use a payphone in 2022? Would they be able to use a Thomas Guide map to find out how to get somewhere? If they stepped into a time warp and wound up in 1975, could they throw a Led Zeppelin album on the record player at a party?


Another big difference between now and life in the '70s and '80s has been public attitudes toward smoking cigarettes. In 1965, 42.4% of Americans smoked and now, it’s just 12.5%. This sea change in public opinion about smoking means there are fewer places where smoking is deemed acceptable.

But in the early '80s, you could smoke on a bus, on a plane, in a movie theater, in restaurants, in the classroom and even in hospitals. How would a child of today react if their third grade teacher lit up a heater in the middle of math class?

Dan Wuori, senior director of early learning at the Hunt Institute, tweeted that his high school had a smoking area “for the kids.” He then asked his followers to share “something you experienced as a kid that would blow your children’s minds.”


A lot of folks responded with stories of how ubiquitous smoking was when they were in school. While others explained that life was perilous for a kid, whether it was the school playground equipment or questionable car seats.

Here are a few responses that’ll show today’s kids just how crazy life used to be in the '70s and '80s.

First of all, let’s talk about smoking.

Want to call someone? Need to get picked up from baseball practice? You can’t text mom or dad, you’ll have to grab a quarter and use a pay phone.

People had little regard for their kids’ safety or health.

You could buy a soda in school.

Things were a lot different before the internet.

Remember pen pals?

A lot of people bemoan the fact that the children of today aren’t as tough as they were a few decades back. But that’s probably because the parents of today are better attuned to their kids’ needs so they don't have to cheat death to make it through the day.

But just imagine how easy parenting would be if all you had to do was throw your kids a bag of Doritos and a Coke for lunch and you never worried about strapping them into a car seat?


This article originally appeared on 06.08.22

Crosby, Stills, Nash and Young perform in 1970.

Nineteen-sixty-nine was a pivotal year in American culture. The hippies and the counterculture were ascendant, and everything that came before in entertainment was as square as can be.

In cinema, there was the world before and after 1969’s “Easy Rider.” In music, the Woodstock Music and Arts Fair was a defining moment for the new era, and on television, the anti-establishment “Smothers Brothers Comedy Hour” divided households over its anti-war stance.

In September of that year, Crosby, Stills, Nash and Young (CSN&Y) were asked to play a duet with Welsh singer Tom Jones on his television show and the pairing was a perfect example of the culture clash. Jones was famous for his hit songs “It’s Not Unusual” and “What’s New Pussycat?” and was adept at dodging panties being thrown at him by the adoring ladies in the audience.


CSN&Y had just played Woodstock and were known for the anti-war anthem “Wooden Ships” and “Long Time Gone” about the assassination of Robert Kennedy.

For the performance, Jones and CSN&Y played a rendition of “Long Time Gone,” and what’s impressive is that Jones does not hold back and forced the rest of the band to keep up. Steven Stills, on electric piano, tries his best to match Jones’ bravado on his lines but falls short.

David Crosby has a look on his face of pure awe when he looks at Jones (although he was known for being in "awe" quite often in the days).

Throughout the performance, the hard-to-impress Neil Young seemingly goes from a look of pure disdain to “This rocks.” The performance is an excellent example of music's ability to bridge cultural divides and bring people together.

Tom Jones & Crosby, Stills, Nash & Young - Long Time Gone - This is Tom Jones TV Show

This article originally appeared on 2.7.24

Science

A juice company dumped orange peels in a national park. Here's what it looks like now.

12,000 tons of food waste and 21 years later, this forest looks totally different.


In 1997, ecologists Daniel Janzen and Winnie Hallwachs approached an orange juice company in Costa Rica with an off-the-wall idea.

In exchange for donating a portion of unspoiled, forested land to the Área de Conservación Guanacaste — a nature preserve in the country's northwest — the park would allow the company to dump its discarded orange peels and pulp, free of charge, in a heavily grazed, largely deforested area nearby.

One year later, one thousand trucks poured into the national park, offloading over 12,000 metric tons of sticky, mealy, orange compost onto the worn-out plot.



The site was left untouched and largely unexamined for over a decade. A sign was placed to ensure future researchers could locate and study it.

16 years later, Janzen dispatched graduate student Timothy Treuer to look for the site where the food waste was dumped.

Treuer initially set out to locate the large placard that marked the plot — and failed.

The first deposit of orange peels in 1996.

Photo by Dan Janzen.

"It's a huge sign, bright yellow lettering. We should have been able to see it," Treuer says. After wandering around for half an hour with no luck, he consulted Janzen, who gave him more detailed instructions on how to find the plot.

When he returned a week later and confirmed he was in the right place, Treuer was floored. Compared to the adjacent barren former pastureland, the site of the food waste deposit was "like night and day."

The site of the orange peel deposit (L) and adjacent pastureland (R).

Photo by Leland Werden.

"It was just hard to believe that the only difference between the two areas was a bunch of orange peels. They look like completely different ecosystems," he explains.

The area was so thick with vegetation he still could not find the sign.

Treuer and a team of researchers from Princeton University studied the site over the course of the following three years.

The results, published in the journal "Restoration Ecology," highlight just how completely the discarded fruit parts assisted the area's turnaround.

The ecologists measured various qualities of the site against an area of former pastureland immediately across the access road used to dump the orange peels two decades prior. Compared to the adjacent plot, which was dominated by a single species of tree, the site of the orange peel deposit featured two dozen species of vegetation, most thriving.

Lab technician Erik Schilling explores the newly overgrown orange peel plot.

Photo by Tim Treuer.

In addition to greater biodiversity, richer soil, and a better-developed canopy, researchers discovered a tayra (a dog-sized weasel) and a giant fig tree three feet in diameter, on the plot.

"You could have had 20 people climbing in that tree at once and it would have supported the weight no problem," says Jon Choi, co-author of the paper, who conducted much of the soil analysis. "That thing was massive."

Recent evidence suggests that secondary tropical forests — those that grow after the original inhabitants are torn down — are essential to helping slow climate change.

In a 2016 study published in Nature, researchers found that such forests absorb and store atmospheric carbon at roughly 11 times the rate of old-growth forests.

Treuer believes better management of discarded produce — like orange peels — could be key to helping these forests regrow.

In many parts of the world, rates of deforestation are increasing dramatically, sapping local soil of much-needed nutrients and, with them, the ability of ecosystems to restore themselves.

Meanwhile, much of the world is awash in nutrient-rich food waste. In the United States, up to half of all produce in the United States is discarded. Most currently ends up in landfills.

The site after a deposit of orange peels in 1998.

Photo by Dan Janzen.

"We don't want companies to go out there will-nilly just dumping their waste all over the place, but if it's scientifically driven and restorationists are involved in addition to companies, this is something I think has really high potential," Treuer says.

The next step, he believes, is to examine whether other ecosystems — dry forests, cloud forests, tropical savannas — react the same way to similar deposits.

Two years after his initial survey, Treuer returned to once again try to locate the sign marking the site.

Since his first scouting mission in 2013, Treuer had visited the plot more than 15 times. Choi had visited more than 50. Neither had spotted the original sign.

In 2015, when Treuer, with the help of the paper's senior author, David Wilcove, and Princeton Professor Rob Pringle, finally found it under a thicket of vines, the scope of the area's transformation became truly clear.

The sign after clearing away the vines.

Photo by Tim Treuer.

"It's a big honking sign," Choi emphasizes.

19 years of waiting with crossed fingers had buried it, thanks to two scientists, a flash of inspiration, and the rind of an unassuming fruit.


This article originally appeared on 08.23.17

Michael B. Jordan speaking at the 2017 San Diego Comic Con International, for "Black Panther", at the San Diego Convention Center in San Diego, California.

As long as humans have endeavored to do anything great, there have been those who have tried to take them down. These are the opposite of the creators in life: the bullies, haters and naysayers who only want to bring people down to their level.

But when you have a dream and desire, its easy to tune out the voices of negativity. "It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better,” Theodore Roosevelt once said. “The credit belongs to the man who is actually in the arena."

Some folks use the naysayers as fuel to push them to work even harder. Basketball legend Michael Jordan was infamous for letting his thirst for revenge drive him to even greater heights on the court.


Another Michael Jordan, "Black Panther" star, Michael B. Jordan, came face to face with someone who doubted that he could reach his dreams, and he wasn’t shy about letting her know that he remembered. What's Upworthy about the encounter is that he did so with class and confidence.

In 2023, Jordan was on the red carpet for the premiere of "Creed III," a film he starred in and directed. He was interviewed by “The Morning Hustle” radio show host Lore’l, who had recently admitted on the “Undressing Room” podcast that she used to make fun of him in school.

“You know what’s so crazy? I went to school with Michael B. Jordan at a point in life,” Lore’l said. “And to be honest with you, we teased him all the damn time because his name was Michael Jordan. Let’s start there, and he was no Michael Jordan.”

“He also would come to school with a headshot,” she added. “We lived in Newark. That’s the hood. We would make fun of him like, ‘What you gonna do with your stupid headshot?’ And now look at him!”

In addition, her co-host, Eva Marcille, referred to Jordan as “corny.”

Jordan had no problem discussing their past on the red carpet. “We go way back, all the way back to Chad Science [Academy] in Newark,” Lore’l told the actor. Oh yeah, I was the corny kid, right?” Jordan responded with a smirk.

“No, you did not hear me say that! I said we used to make fun of the name,” Lore’l said.

“I heard it,” Jordan said. “I heard it. It’s all good. What’s up?” he responded. “But yeah, [you are] obviously killing things out here…you’re not corny anymore,” Lore’l clarified.

After the exchange went viral, Lore’l admitted that she teased Jordan in school, but they were only classmates for one year.

“So the narrative that I bullied him all throughout high school—this was 7th grade. We were like 12 years old, and everyone made fun of each other,” Lore’l said. “That was school, you know. That was one year. And, again, I’ve never bullied him. That just sounds so outrageous to me.”

Jordan later shared some advice on how to deal with bullies.

"Just stay focused, just stay locked in,” he told a reporter from Complex. “You know, just follow your heart, try to block out the noise and distractions as much as possible and run your race. Don't compare yourself to anybody else. Just keep going."

Parenting

Mom creates a stir after refusing to drop her child off at a parent free birthday party

"I loved drop off parties. I didn't want to sit at some kids party."

Photos by Ivan Samkov and Gustavo Fring|Canva

Mom refuses to let kid go to "drop-off" birthday party

There are many Millennial moms that were raised on "Unsolved Mysteries" and "America's Most Wanted" during formative years, which may or may not have influenced the way they parent. It can be hard to think clearly when Robert Stack's voice is echoing in your head every time your child is out of eyesight. The jokes about what is responsible for the average Millennial's parenting style resembling more like a helicopter are endless. But sometimes additional caution is warranted where others may find it unnecessary.

At least that's what many folks on the internet believe after one mom seemingly split parents into two camps with her revelation about children's parties. Liv, who goes by the TikTok handle Liv SAHM, takes to social media to explain that her seven-year-old son was invited to a birthday party but when she went to RSVP, she noticed the invitation said, "drop off only."

The mom explains, "It's at someone's house. I don't know these parents. I don't know that there's actually going to be other adults besides this child's parents."


Liv states that she would not be dropping her young child off alone with strangers. To many parents this seems like a reasonable response. If you don't know the parents or any other adults then how can you ensure your child will be safe. Other parents felt like Liv was completely overreacting with a helicopter parenting style.

"Little kids have been going to peoples birthday parties without clingy parents for decades," one person declares.

"I'm a drop off kinda house. I want the parents to leave that is one less person I have to feed. I don't wanna have to make small talk with other parents," another says.

"That's a big no for me too! And I always try to take my kids to classmates parties because people never show up," someone writes.

"That's so worrisome. I completely agree with you mama bear, same with my son," a commenter says.

"Yeah, that would make me uncomfortable too! It's always a little interesting to me when parents drop off their kids at parties," someone else adds.

@livsahm

No thank you! I don’t feel comfortable with that. #mom #momsoftiktok #momlife #sahm #sahmlife #birthday #birthdayparty #celebration #controversial #parenting #parentingtips #parents #no

There's no right or wrong way to throw a party for a kid because there's no rulebook. Generally parents are accustomed to seeing invitations that say no siblings or the offer of parents staying or leaving. Many commenters pointed out that it seemed odd that the invitation was worded in a way that sounded like parents staying wasn't an option.

Some parents noted that the world has changed since they were children and wouldn't feel safe dropping their kids off either. Others found no issue with it and think fellow parents are overreacting. What do you say, odd or perfectly fine?