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Capital One Impact Initiative

Veterans across the country are struggling to find stable housing. This affordable housing community is ensuring Los Angeles vets have a place to call home.

Veterans across the country are struggling to find stable housing. This affordable housing community is ensuring Los Angeles vets have a place to call home.
Courtesy of Creative Commons
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After years of service as a military nurse in the naval Marine Corps, Los Angeles, California-resident Rhonda Jackson became one of the 37,000 retired veterans in the U.S. who are currently experiencing homelessness — roughly eight percent of the entire homeless population.

"I was living in a one-bedroom apartment with no heat for two years," Jackson said. "The Department of Veterans Affairs was doing everything they could to help but I was not in a good situation."

One day in 2019, Jackson felt a sudden sense of hope for a better living arrangement when she caught wind of the ongoing construction of Veteran's Village in Carson, California — a 51-unit affordable housing development with one, two and three-bedroom apartments and supportive services to residents through a partnership with U.S.VETS.

Her feelings of hope quickly blossomed into a vision for her future when she learned that Veteran's Village was taking applications for residents to move in later that year after construction was complete.

"I was entered into a lottery and I just said to myself, 'Okay, this is going to work out,'" Jackson said. "The next thing I knew, I had won the lottery — in more ways than one."


Communities like Veteran's Village are contributing to the national decline in homeless veterans. According to The Department of Housing and Urban Development, 793 fewer veterans experienced homelessness between 2018 and 2019.

That drop continued a steady decline over the past decade, as the number of veterans experiencing homelessness has fallen nearly 50 percent since 2009.

National Equity Fund (NEF), a nonprofit LIHTC syndicator and partner to Capital One, brought Veteran's Village to the bank, which responded by providing a $14.3 million construction loan and $15.6 million long-term equity investment through the purchase of low-income housing tax credits.

Courtesy of Thomas Safran & Associates

"Everyone deserves safe, secure, stable housing — especially the heroes that protect our rights and freedoms," says David Musial, a Capital One Senior Director of the Bank's Community Finance team, which specializes in financing affordable housing. "We are honored to be able to support communities like Veteran's Village as stable affordable housing is fundamental to physical and financial health and access to opportunity."

Veteran's Village strives to be more than just an affordable housing development. Its staff functions as a support system to help residents navigate their individual situations to ensure that each resident is equipped with the tools they need to thrive.

"Through the support of Capital One, we were able to provide much-needed housing for U.S. Veterans," said Amy Hyde of Thomas Safran & Associates, an affordable housing development and management organization whose properties include Veteran's Village. "Our goal is to enrich the lives of the people who reside in our buildings and Capital One's funding is helping us do just that," Hyde said.

For Jackson, that goal is realized through the sense of community throughout Veteran's Village.

"It's home for people who served their country and want to serve each other," Jackson said. "We take care of each other and we look out for each other. We're a family here."

In addition to supporting housing for veterans, Capital One supports affordable housing for residents throughout the Los Angeles area, including Vista Grande Court, an affordable development that supports people over 60 years of age and Palo Verde Apartments, which includes 49 affordable units with 25 reserved for formerly homeless veterans and their families.

Capital One's support to affordable housing communities in Los Angeles comes as part of its larger Capital One Impact Initiative, an initial $200 million, multi-year commitment to advancing socioeconomic mobility through advocating for an inclusive society, building thriving communities and creating financial tools that enrich lives.

Jackson said that while she is grateful for her living arrangement at Veteran's Village, there is a long road ahead in ensuring that every veteran has access to stable housing.

"I pray that there will be more communities like this built because there are so many of my veteran brothers and sisters on the streets that don't even realize their living situation doesn't have to be the way it currently is," Jackson said.

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.


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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?



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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.

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Photo via iStock.

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Photo via iStock.

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