Alternative Finance Learning For 2019 And Beyond

Photo Jimi Filipovski

From cash to credit to crypto, this world revolves around currency. Some have hopes and dreams of working until they save up and retire early or on time. Others have plans to get promoted at work and earn that amount of money sooner in life. Every day for many people there is the thought of what life would be like having a comfortable amount of money in their savings account. There are many entrepreneurs who have additional work outside of their regular 9-5 career. There are small businesses, entrepreneurs and startups who work independently and on their own. And of course, there are those who are comfortable with the income that they receive. But at the end of the day each of these individuals need money to live.

It is argued that finance should be incorporated in high school as a core, or home-ec (home economics) course for teens to learn about early on. Instead teens are offered credit cards as soon as they are 18 by mailed advertisements or from the bank when they first establish a bank account. Credit card issuance with many young adults not knowing about finance, interest rates, or payment agreements. We could say that this is unfair, or not and the parents should be the ones to teach their children. BUT there are many adults who simply cannot teach because of their own limited knowledge. Do not believe me? Google “personal finance” and see just how many articles there are available targeting adults. Available, and yet still intimidating.

Photo By  NeONBRAND

My first job was in retail working at a department store making minimum wage, (maybe $7 and change if I remember correctly) and soon after receiving the first few checks that barely covered transportation to and from work, and food due to my limited, sometimes only 3 hour shifts a few days out the week I learned quickly that money makes the world go round and I could not continue working where I was at. A friend then suggested that I apply for the bank where she worked. I wanted a higher paying job, so I studied the company like it was an exam. Which I always have prior to interviews to give me the confidence (and advantage) that I knew more about the company than other potential candidates. Therefore, in the interview I answered questions impressively, responded with great questions of my own, spoke of the importance of banking in the world that we live in, as well as I spoke of company history that even my interviewers were surprised that I knew (and sometimes would tell me they didn’t know about themselves). Striking? Very much so.

I began to lean a whole lot about finance from the start of getting hired, and in my 8-year career I understood that a lot of fundamentals were simply not understood by clients. Even when tellers, bankers, and financial planners would talk to clients I knew that it sounded like “bank jargon” from their expression or eagerness to end the discussion. Advancing through promotions, my vocabulary (and knowledge) from corporate training courses increased but the understanding from the general public did not.

Photo AlesNesetril

On the finance section of this website, as well as the personal finance articles that will be published on the blog section, information will be shared to guide you to continuous personal finance development. Before I started working as a freelance creative I left banking in my final position as a Personal Account Advisor/Personal Banker in the corporate office of a credit union on the Peninsula between Silicon Valley and San Francisco, CA. Though my career in banking is in the past I still use what I learned over those 8 years and I continue to read books, read blogs, watch vlogs, and keep updated with current financial trends.

Learn to be motivated and not to be intimidated because before the big dreams of complete financial stability, or financial freedom comes into fruition, understanding the basic knowledge of finance (currency/credit) is key.

Kadesh Carter

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© Earthy Realist™

How To Tell That You Have Grown In The Past Year

Personal development  involves the evolution and improvement of the person. Self growth as it is often called, is a lifelong process. Understanding this part of yourself is a way for you to evaluate who you are and how to increase your perspective. A method of getting the best out of your potential.

The emotional state that a person devises about them self goes hand in hand with success in living, and thriving. As this transformational journey is recognized, you feel good knowing that you are improving to be your best self.

Finances Have Changed For The Better – You may not have become a millionaire in the past year (congrats if you did), but getting a hold of your finances and credit is an excellent sign of progression. Paying off a collections item(s), paying down, or off a credit card, putting more into your savings, or learning about new currencies (bitcoin, etc.) are all GREAT.

Health Has Improved – You lost weight, or gained healthy weight. Added outdoor (or indoor) workouts, started going to the gym weekly or when you can, or started attending a yoga class, shows that you care about your body and mind.

Personal development involves the evolution and improvement of the person.

Relationships Have Better Communication – It takes two to tango. At times we fault the other person without hearing them out or by being defensive. Pride may keep us from admitting our faults or emotions. Honestly when a family member, friend, employer, or coworker tells you how they feel and it at first upsets you, engage in listening. Hear the person out and respond without emotion, if you are in a calm state begin the conversation with keeping it constructive in mind. If this is not a good time to talk, explain that you will get back to them, unless the matter is urgent.

Its ok to admit your opinion as well as what you feel you could have done differently to have prevented this encounter (if anything). Try not to forget to listen actively. Over time you will notice yourself being calmer and having less disagreements with people.

Understanding this part of yourself is a way for you to evaluate who you are and how to increase you prospective.

Confidence Has Increased – Feeling good about yourself allows you to walk with your head high, being proud of who you are.  An individual’s self-worth supports how one responds to society, also their achievements in life. Non-verbal statements such as body language is observed by other people as a visible sign of if it would be ok to start up a conversation or not with someone. And many other thoughts from them based on how you display how you naturally carry yourself. Taking into mind that things such as sitting up straight not only is wholesome for your health but correspondingly is attractive.


Article By Kadesh Carter

Have you noticed any of these things about yourself? How have you changed? How are you looking to grow in 2019?

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About Earthy Realist

Earthy Realist is a trailblazing digital platform providing guidance to beneficial financial decision making, life motivation to encourage a healthily livelihood, and how to make holistic sustainable, natural, and green awareness choices. Why the combination of the three? – Practical ideas of what can be achieved in life are about everyday modern living. Finance is a part of individuals, and company’s existence. Life motivation encourages becoming your best self. Holistic support of your well-being is building a natural relationship between yourself and earth. 

We’re obsessively passionate about discovering ways to enjoy modern life, and our mission is to help people attain those very same ways. Ultimately the goal is to begin now and grow as you goInspiring transformation at your own pace is the basis for a brighter future.

Our mission is what drives us to do everything possible to expand human potential. We love learning, collaboration and creativity. Making a positive impact in where we live and work and sharing that desire with you. Elevate, experience, and engagement. Inspiring learning conceivably increases wisdom.

Core values of continuously moving forward, improving, and innovating. This website meant to inform readers from all over the country. Providing financial information from an individual who has 8 years in working banking, and daily living tips incorporating the motto practice what you preach of wellness vitality.

Best Regards,
Kadesh C. Carter

© Earthy Realist™

Sincerely, Yours Truly


Above is the realist poetic piece one could read and fully comprehend. Or, at least attempt to. We say, “forever,” and literally mean until eternity. Then there are times when we don’t think about any specific ending.

Learning is a continuous process, and so is acceptance.

Personally I finally learned to let go of people when I realized that particular forever had no substance…

– Kadesh Carter