Experiencing Life Through Exploration

Lake Chabot is the most beautiful lake in all of the Bay Area.

I would hike it’s trails alone, with friends who wanted to keep in shape, and sometimes with friends just to enjoy the scenery.

One thing about nature that reminds you that humans are connected to the earth is how fresh and clean the air is!

It’s trail offers 20 miles of hiking trails, which then connects to 70 miles leading through Oakland, San Leandro, Castro Valley, Lafayette and further…

– Kadesh Carter

Photo By Kadesh Carter

Nurtured By Nature

Tea tree oil, aloe vera and rose water are staples in my natural body care daily routine as well as for short term ailments.

I have found the three to top the list of natural oils, herbs, ect, that I use.

What are your natural favorites to use?

Talk With You Soon,

Kadesh Carter

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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