Financial Literacy – Kid’s edition – Part One

On today’s journey I want us to discuss something especially important in my own home and that is the topic of finances.  It is important to understand how money works and describing to children how we operate with money.

Table of Contents

    What does this mean?

    Financial literacy is the ownership of skills and knowledge particularly that equips you with making educated and valuable choices regarding finances. Well, as an adult we learned the hard way as we had to get a job first and then understand how to balance our budget, pay taxes, bills and all these different aspects, which can feel like it is falling on top of our heads. Then we learn how to deal with these new responsibilities and manage it. However, imagine if you were given the gift of understanding finances ahead of the game even understanding how to manage, coordinate and move your money around so that by the time you are in adult you have some equity earned interest an increased in your dollar just by investing in yourself.

    Conversations

    First wallet, always starts the excitement.

    We bought this wallet at Oldtown in Orlando,FL. He loves it!

    In my household with our own children, when they turned five years old and they were able to write out their own names, I started individual bank accounts for them each. You can do a savings acct for them in the meantime but if you want them to understand the process starting at five is an excellent beginning point. If they had a deposit from their grandma, uncle, birthday, tooth fairy they would walk into their bank (with me as an escort) and do a deposit at the teller; I would stand by to assist but they would understand the jargon that was being spoken to them in that transaction and be able to answer questions and begin to understand the process. This is the important piece as they are physically part of these transactions. We typically would open a savings and checking account.

    Big Picture and Expenses

    We as parents concentrate on the big picture expenses for example: shelter, food, clothing, even entertainment. We also maintain anything they may need, which can include technological items such as computers, phones and gadgets for school and fun. Sometimes my kids want the latest game or a fashionable sneaker or trend and something of this nature I ask them about what they have in their allowance or what other items they want to do in the house to help work for these. So, how does this work?
    There are a couple of methods, but I will give the example of low end and high end. This just indicates the parent contribution not including gifts that you may receive. Other rules of financing and banking you should consider are the following.

    TypeBank RulesRate/AmountDetails
    Interest RatesCan range and payout annually or be accrued and offset monthly with your statement. 0.001% – 0.06%Some banks offer reward programs for a higher balance that can increase this. 
    Check with your financial Institution.
    ResponsibilityThe manager of the account is the parent.  However, when the child turns 13, they can usually download app and maintain account.  If it is a checking account since an adult is listed on the account a debit is usually issued.This rule can vary bank to bank this why financial education is important at an early age to prepare them for when they are a teenager. 
    Check with your financial Institution.
    FeesFees (Maintenance, overdraft, check bounce) can apply but for a child or student savings/checking account they can be waived$12 – $60To avoid Fees, you may need to keep a daily balance of $500 to $1500 after the age of 24. 
    Check with your financial Institution.
    TaxesIf the yearly balance does not go over 15000, taxes will not apply on the account.  Normally these deposits are post tax your individual income.  For the child, they are not required to report as you are listed on the account.  Until they are a legally recognized as an adult by the government standard and no longer a minor.$260 and up.For a single person, with no dependents at the age of 18.  They may owe $260 of a $2,500 taxable income.  Based on the IRS tax table, please speak with your accountant or taxing professional for your individual advice.
    FDICEach individual account at any bank is covered for up to $250,000.00 at any time.  If you accrue more than this amounts you may need to open a different account, trust, or fund.Not covered 250,000.01Individual accounts $250,000.000
    Joint accounts $500,000.00
    Check with your financial Institution.
    Life InsuranceExcellent way to plan, thinking positively.  Because this money usually has a fixed rate, that you can borrow from for braces, college, first car, down payment on a home)$35 -$100 MTHEvery provider is different.  Best to choose from are the Mutual of Omaha, Gerber, State Farm – reach out to find out more details.

    Now that we have an idea of the rules. How do we figure out the payments of allowance or money for our children? First you will need to set up three accounts Checking, Savings and Insurance. Of course, these are suggestions, but you may want to take advantage early.

    TypeAvailabilitySocial Security NumberPaymentsFrequencyDown PaymentFace ValueGuardian
    CheckingOnce Social Security is issued.Yes$1 – $26Bi-Weekly$25 – $1500Annual AmountParent only, at 13, a child can manage with parent, transitions at 18.
    SavingsOnce Social Security is issued.YesVariesVaries$125 – $500Annual AmountParent only, at 13, a child can manage with parent, transitions at 18.
    Insurance14 days old to 17 years of age.No$35 – $100Monthly or annually$5,000 – $500,000Parent until 18

    Plan Capital for Equity

    Now, have your children walk through the process with you. Understanding the game plan, in my mind is the first step. I have two options that can work for any income. They are called Low End and High End. Again, this does not include gifts or birthdays but just the payments on the parents’ end.

    TypeCheckingSavingsInsuranceOther
    Low End – AllowanceBased on age$125 at beginning (year 0)
    $500 at age 18.
    $35 a month (Based on policy ages 0-17 then transfer to whole life policy for adults)NA
    High End – AllowanceBased on age$125 at beginning (year 0)
    $576.9 bi-weekly from (0 – 16)
    $14999.40 a year total (under the $15,000 taxation mark)
    $250,000.00 lifetime (for this period 0-16 years)
    $100 a month (Based on policy ages 0-17 then transfer to whole life policy for adults)NA
    Bonus – Tooth FairyNANANABased on age per tooth. 
    Ex. 5 years old = $5.00.  20 teeth by rate = $100. 
    Have the child take the cash and make the deposits.

    Allowance Types

    What it looks like. Be warned there are many graphs here, these are estimated.
    For both Allowance types: Low End and High End, the checking stays the same.

    YearType RatePaymentsYearly Amount
    0Checking $   1,500.0011500 (Continued threshold)
    1Checking $           1.002626
    2Checking $           2.002652
    3Checking $           3.002678
    4Checking $           4.0026104
    5Checking $           5.0026130
    6Checking $           6.0026156
    7Checking $           7.0026182
    8Checking $           8.0026208
    9Checking $           9.0026234
    10Checking $         10.0026260
    11Checking $         11.0026286
    12Checking $         12.0026312
    13Checking $         13.0026338
    14Checking $         14.0026364
    15Checking $         15.0026390
    16Checking $         16.0026416
    17Checking $         17.0026442
    18Checking $         18.0026468
    19Checking $         19.0026494
    20Checking $         20.0026520
    21Checking $         21.0026546
    22Checking $         22.0026572
    23Checking $         23.0026598
    24Checking $         24.0026624
    25Checking $         25.0026650
    26Checking $         26.0026676

    The Low End and High End types really apply to the savings account. The idea in this plan is to make at least the low amount or any up until the high amount. You do not want to exceed on this account more than $15,000 per year but you want to have at least $125 until they turn 18 then $500 to prevent fees. Of course, if you are a millionaire, you can do whatever you want but for the average person this can meet multitudes of income ranges and teach your children how to save.

    YearType High EndPaymentsYearly AmountYearType Low EndPaymentsYearly Amount
    0Savings $ 500.0015000Savings $ 125.001 $ 125.00
    0Savings $ 576.902614999.418Savings $ 375.001 $ 375.00
    1Savings $ 576.902614999.4
    2Savings $ 576.902614999.4Total500
    3Savings $ 576.902614999.4
    4Savings $ 576.902614999.4
    5Savings $ 576.902614999.4
    6Savings $ 576.902614999.4
    7Savings $ 576.902614999.4
    8Savings $ 576.902614999.4
    9Savings $ 576.902614999.4
    10Savings $ 576.902614999.4
    11Savings $ 576.902614999.4
    12Savings $ 576.902614999.4
    13Savings $ 576.902614999.4
    14Savings $ 576.902614999.4
    15Savings $ 576.902614999.4
    16Savings $ 576.902614999.4
    Total255489.8

    For the life insurance, this works by specific policy. As a child’s medical is usually not put into question and the application process is simplified. Anyone can open a policy as the social security number is truly not needed. As low as $35 a month to $100 a month or annually from $420 to $1200 you can buy coverage. Typically, this covers death as it is a life insurance policy. What is not told to you is that the face value, which can be $5,000 to $500,000.00 is based on an index amount. And when the policy matures you can use it, which is typically at the age of 100. When the child is turning 17, you can begin to transfer the plan to whole term for an adult and they can take over the payment. For example, if they need braces, or want to buy a car, or later a down payment on a house, depending on where you are in your policy you can borrow that cash from the policy. Whether paying it back or not, which will deduct from the face value. Other benefits, include not needing to be reported on taxes and the money is all post taxable dollars. This is how the wealthy maintain their financial health within their portfolios.

    Piggy Banks

    All my children have one that is completely full of money from when they were born. We have never touched it and when they graduate high school it is theirs. One of the banks if from Tiffany’s so I ask that they manage with care. They also have individual banks like superheroes that they fill and often forget about.

    I still recommend a good old fashion Piggy Bank. Once they get full, take them and deposit into their checking and savings accounts. We consider this for them as income and explain the 2/3 policy.

    The 2/3 Policy is a strategy

    When you are an adult, you need to pay bills that are deducted from your wages that include taxes, utility, living expenses, gift, entertainment, miscellaneous, etc.  This concept teaches the child that no matter how much money they receive they will be responsible for a “bill” payment in the amount of 2/3 of the income.  You will truly only enjoy about 1/3 of it.  To plan for this mindset, in the example below I have $100 as the hypothetical gross amount in the piggy bank.  Here 1/3 of that money goes into checking as net and 2/3 into savings where it is saved for a future bill as the deduction. Although this really isn’t going anywhere it is stashed away. 

    Gross = Amount of Piggy BankNet = CheckingBill (Deductions) = Savings
    $100$33.33$66.67

    The best part is when they get their first paycheck/statement they will understand why they are “missing” the gross amount.

    Please leave comments below.

    Let me know, if you do something like this with your children, or if you try this method how did it work for you?

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    Check out this complimentary, Podcast about Financial Literacy for Kids and thank you for joining me on this journey of Fannytasticlife!

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    Hi Louis!

    Hi Louis!

    Have fun, enjoy life and dont forget to reward yourself! On this journey of Fannytasticlife!

    Loving yourself is especially important, self-love and self-care as I mentioned before. The value of this increases over time within yourself. I always set goals with rewards, some of these rewards are easily attainable and some require effort, money or focus but nonetheless all these rewards are promises I keep for myself.

    The other day my family and I went to The Mall at Millenia in Orlando, FL where they have many stores that you can enjoy shopping at. While shopping there it was a surprise to come across at first sight Yves Saint Laurent, Bvlgari, Rolex, Tiffany, Burberry, Chanel and then realize right in front of me was Louis Vuitton. I looked at my husband with beyond a Starbucks gaze and said pretty please may I take this moment. My husband took the kids and sat down; he knew that I recently made one of my goals a reality.

    My goals was to achieve my MBA, which I am so proud of!!!!

    That is me, circled in green. Yes, it is virtual but I am so happy here. Graduate 2021!

    Now, a lot of people graduated this year with so much to celebrate. The reason it is important to me, is because I have promised myself this moment, my whole life! My grandmother in 1974 got her master’s and she was 45 years old at the time. She always said do not wait your whole life to have this credential. However, life has taken its toll on me, and I am now 41 and so proud that I finally achieved this goal. I had promised myself that when I achieve this goal I will buy my dream, Louis Vuitton Bag and today at Mall – this purchase was my destiny. My grandmother always insisted that I should set goals in my life and when I can reward myself. This was the behavior she often taught me with my weight and many other life goals. She insisted since I was seven that my masters were non-negotiable,

    I particularly, have always studied law and you may have suspected that I would have a natural progression to a Juris Doctor (J.D.) as my grandmother always prescribed. However, I am very much into analytics and business, so I changed the course of my education to focus on Business Administration.

    I wanted to focus on key elements of human capital, marketing, financing, organizational behavior, economics, management and business ethics, I have mastered the art of payroll through my own life development. Ethics are very important to me as well as integrity and we discussed these topics within my coursework as well as deep dive into communication and analytics. While working with ADP I was able to tap into my analytics skills and become a subject matter expert in Analytics and Insights. I worked very closely with the product team and enjoyed these relationships as well as stayed in contact with them through Linkedin <3

    My goal was particular and detailed as I planned on not just graduating with the MBA but I had to a have earned a minimum of a 3.5 GPA. This was the important factor on whether or not I truly earned my reward.

    Back to the mall, so I was waiting online and so many people were also, some who already had beautiful bags. One of the line expeditors approached me and asked, “Is this your first time?” I thought she may have asked because I took a selfie… but she was asking everyone. She shared why she valued the store and some information, and I really enjoyed her level of engagement.

    While on line, I snapped this picture of me in the moment!

    I finally, make it to the head of the line and I am asked to meet Natalia. Natalia, smiled through her mask, and she was elegant, classy, and professional. Her look was clean lined with a pallet of neutral, black, and white and crisp red nail polished. Stunning! We started to walk through the store, and we discussed the House of Louis Vuitton, this was very enchanting. We also discussed types like canvas and leather, monogram, classic, etc. She asked me if I knew what I wanted or did I have something in mind, which I did. I knew I wanted something that my grandmother had, like her style as the MBA is in her legacy.

    I wanted a Monogram Empreinte leather in black only with a gold chain but not just any chain, we discussed many bags and then I saw the Multi Pochette in cream, but I did not say anything. She went to gather some other bags and then she unwrapped the Multi Pochette in black and I was in love and floored!!!! The chain had an iconic look similiar to Chanel. This is exactly what I have had my eyes on for the past three decades to purses similar. Some of the features I loved was the gold chain with the leather cord and the pouch attached that was removable with an addition across the shoulder strap, which made these two bags in one!!!! I saw the price and knew this was a purchase. We still looked at other bags – just in case. I thought to look at canvas and boots just to make certain I was sold, I was.

    Louis Vuitton mission statement is to”embody unique savior-faire, a carefully preserved heritage and dynamic engagement with modernity and to represent the most refined qualities of Western “Art de Vivre” (The Art of Living) around the world; to be synonymous with both elegance and creativity; to blend tradition and innovation, and kindle dream and fantasy”,to be creative and aim for excellence.

    zarnab wajahat

    This was complete white glove service and I was treated like a goddess, we shared, and laughed and over all my experience was incredible. I noticed people who came in and did not purchase were also treated amazingly and when they left were still given the respect. This confirmed my overall opinion on this experience, which was excellent.

    Here is my accompanying podcast regarding goals, rewards and of course Louis Vuitton!

    Here is what I purchased, which is available in store and online at Louis Vuitton

    Here is a Tiktok, enjoy 🙂

    Here is the bag, my reward! These pictures you can find on their website.

    My next goal is Doctor of Business Administration: Management – Qualitative Research degree, which I plan on attaining by 2024. At that point I will be Dr. Fannytasticlife and yes my reward will be … can you guess … Chanel. Possibly the Chanel Quilted Lambskin Extra Large Briefcase or something like that… who knows (wink wink)

    Thank you for joining me on this journey of Fannytasticlife.

    Please leave your comments and also I would love to hear you messages and publish them on my podcast click on the image below and select messages. Thank you. Bye Now!

    https://anchor.fm/fannytasticlife

    Take a break!

    Who? You

    What? A moment to reflect

    When? Now, because when was the last time you had a break … a real bonafide break?

    Why? Your mind, body and soul need it.

    Where? Anywhere

    How? Stepping away for a moment.

    We all get stuck in a rut, or inundated with work, deadlines, timelines, matrix, kids lunch… but when do you take a moment for you.

    I decided to step away make a yummy treat that I would enjoy creating for my family.

    I put on Mark Anthony station on my Amazon Music app that I have on Roku and got started.

    Mark Anthony station for the cooking mood.

    I usually make a homemade Recaito every week for the house as a base for some dishes I prepare, like this yummy one. Bolitas de Mofongo without frying. If you need a break and want to jump into something yummy here is a recipe for you.

    Bolitas de Mofongo – first the ingredients.

    • 4 Plantains (little past green)
    • Recaito (Recipe) 1 tablespoon
    • Pork Grinds/Chicharron (your favorite, plain) or without.
    • Farmers Ribs or boneless pork (small package)
    • 2 Eggs
    • Corn flour 2 tablespoons
    • Olive Oil
    • Salt 1 teaspoon
    • Milk 2% – 1/4 cup.
    • Water 1/3 cup with salt 1 teaspoon.
    • Flour 1 cup.
    • Water 3 cups
    • 1 chicken Bullion

    Bolitas de Mofongo – Steps.

    Should look like this. (Borrowed Picture)
    • Grate the plantains – and place the water 1/3 cup with salt 1 teaspoon. *UPDATE* Squeeze and drain thoroughly.
    • Add milk, eggs, recaito, corn flour (add more cornflour for a consistency that works for you. Mix thoroughly.
    • Roll into a ball shape incorporating the pork grinds into the middle and dip into flour so it is completely dusted, place to side. If you are very technical it should be no more than two ounces.
    • Chop up pork meat into small cubes.
    • Now, in a pot (Imusa prefered) add olive oil and the cubed pork. until browned and then remove but leave the flavor and bits there.
    Imusa pots (my favorite)
    • Add 1 chicken Bouillon and 3 cups of water. Let it boil, this is essential it needs to boil.
    • Once boiling add the balls into the pot. When cooked they should float. Lid off.
    • Now add back in the pork and let it simmer at a less temp.
    • Once incorporated evenly cover and place off heat to settle.
    • This is delicious with Arroz blanco (white rice) and Avocados.

    Let me know what you think? While eating this check out my latest podcast “Take a break!”

    Body, mind and spirit journey.

    Aromatherapy has been proven to help people through the senses of smell. I believe some of the calming scents have helped me with stress and anxiety. We see this in products for children that are listed with having lavender and for sleepytime and for mornings we see fragrances that have citrus to bring burst of energy.

    BeezKneez – visually beautiful with honey and oatmeal.

    I have always loved certain styles of essential oils and scents like candles, and lotions. I consider myself an Apothecary for certain bedtime bath routines from having children. Enjoying baths, bubbles and the calming effects I started created bath bombs. My children have always had sensitive skin, slight eczema and or easily irritated because of this now that I make bath bombs, they test them, give me their full report and I create it.

    From doing this I have gotten request so I posted them on my shop and now on Etsy. Just recently I was given shelf space at the Valley Pharmacy & Surgical store in my town. This has brought me an overwhelming sense of joy and fulfillment to have someone believe in my family and our product.

    Body, mind, sprit…

    The scent of a woman, the musk of a man the part of our nose that delivers a message to our brain is life changing on this journey of fannytasticlife!

    According to Harvard Gazette, Colleen Walsh says that “smells are handled by the olfactory bulb, the structure in the front of the brain that sends information to the other areas of the body’s central command for further processing. Odors take a direct route to the limbic system, including the amygdala and the hippocampus, the regions related to emotion and memory.

    Scents that catch a woman’s attention in various studies range from vanilla, peppermint, sandalwood, pastries, coffee, lavender and cinnamon. Where as the scents that catch a mans attention are quite different and more complex for example most men spoke of a natural scent they liked from their partner or lily, rose oil, vanilla, vetiver, oranges, musk, black licorice, fruity notes, donuts, peppermint, lavender and pumpkin pie and jasmine.

    The range for men tend to be tied to a memory while the range for women tend to be tied to a want. Either way I decided to create bath bombs that fulfilled the need of both and matter of fact all.

    Affectionately known as FanBombz they carry whimsy of a scent that wont over power and create a headache and will soothe to and calm or energize. My research surrounded popular scents at first but I also discovered interesting factors about safety and awareness. All my bath bombs are handmade with ingredients that once in the bath tub dilutes and causes no harm.

    Me working in the lab 🙂

    Basic


    The base of all my bath bombs start with baking soda, a starch (depending on the order can be milk, coal, corn) then I add my fragrance and oil mixture. This can be multiple combinations of essential oil, or just one. An oil for combining like Jojoba, olive, coconut, aloe, almond and mineral oil.

    For different fun colors I will include a food coloring based on the product. Sometimes I add a texture like honey, almonds, oatmeal and sugar sprinkles, sugar and salt depending on the product. I use witch hazel as an astringent for the oil. Some ask for alcohol, and that I use only in a small amount but I try to not to include. Sometimes I add herbs and spices like turmeric or marjoram and others creating an Ayurvedic recipe that my sons doctor once told me to do for his skin. Water will take the bubbles out of the product so I try to keep the water amount little to none. I always list all my ingredients on my packing and advertising.

    Sensuality is one of the request I get or questions regarding will this make me feel a certain way. Jasmine is an aphrodisiac and so is clary sage, lavender, sandalwood, ylang, ylan because they tend to be relaxers and stimulant in scent. Although some of my bombs like BottomLover, Fannylicous have some of these notes the sensuality comes from the person. I won’t guarantee that they will make you feel a certain way but you will enjoy the experience.

    Spa time, is one of my favorite times. Pedicure, manicure, threading, massage … sign me up. Having a good bath is also on that list. Some of my FanBombz like Full Circle tend to have the eucalyptus need of a spa and Peacock for the lavender.

    Full Circle – quite relaxing.

    If you are looking for CBD oil, honestly the closest thing I have is Dr. Scholls Hemp Seed Epsom salt in the Cheech FanBombz, which is relaxing.

    Affordability is also another question I get asked alot about. The retail at the pharmacy is all shelf priced. Anything Custom will start at more of a premium price because it is created for the person. I often offer on Etsy free shipping over $35.00 and usually I promote a monthly coupon for a percentage off a certain price.

    Fun time is also a time for the kids. Some of the handcrafted unique bath bombs have a water toy for an additional level for the kids. I offer dinosaurs, princess rings, army men, unicorns, duckies just simple fun.

    All the bath products are weighed and inventory is priced accordingly. I offer multiple sizes from the regular 2.1 ounce size mooncakes that can go from 4 to 8 ounces. I also offer a small version that is 1.2 ounces and if you are looking for value this is sold in a trio and would be the best value per dollar.

    Love them all! (Oreo and Fannylicous)

    Most bathbombs after they cure have a shelf life of 6 months. After this period they tend to crumble. Usually you can break them down in a jar and use them as a scrub. I wouldn’t suggest mixing various scents because that can get funky. Also, if it has a strange smell, don’t use it. Like any product it should have a clean crisp package scent.

    I always get told that people wish they had a bath but they live in an place that only has a shower. Well, because I have a shower a developed a shower salt called Indulgence Saltz. Same amazing scent with out the buzz of the fizz and frills. I sell these in a single pack or triple pack. These are great because you get the scent stimulation whether it is calm energy or relaxing vapor in the shower.

    Hello! Mooncake in background and Indulgence Saltz centered. Inspired by Audrey hepburn, Breakfast at Tiffany’s

    I suggest these products have oils in them and you should take precaution when getting out of the tub or shower and rinse off. You will notice how silky your skin feels. A quick rinse, will wash the residue from the bath and maintain all your softness. This is because the baking soda used in the mixture creates the softening effect with the epson salt. For those of you who use the Indulgence Saltz you will notice how sweet your feet feel.

    My Shop is tied to my website and I also sync it with Etsy. Etsy will get all the products first, inclduing bath bombs, shower salts, soaps, scrubs. This retail gets carried over to my Fannytasticshop also. My retail at the Pharmacy in my town will be updated weekly.

    The distribution and creation of my products are based on supply, demand and seasonal picks. If you see all of a sudden an items that is not seasonal and is uniques that is because when I receive a custom order usually a client will want two to four of the bombs, however ever for every batch I make it produces 12-18 bombs, and this is what gets carried over to retail.

    I am so happy to share this information and I hope I answered many of your questions that I received from my BONUS podcast this week. Please reach out as I am so happy and in love with our retail of FanBombz and thank you for joining me on this journey of Fannytasticlife.

    I want to take this moment to thank my husband who has been my biggest support and continued cheer in my corner, he is very modest and humble and would not want any shine but MUHA!

    References:

    Walsh, C. (2020, February 27). What the nose knows. Retrieved from Harvard Gazette: https://news.harvard.edu/gazette/story/2020/02/how-scent-emotion-and-memory-are-intertwined-and-exploited/#:~:text=Smells%20are%20handled%20by%20the,related%20to%20emotion%20and%20memory.

    Chiquitita, tell me what’s wrong.

    This is an emotional one… patience for me and thank you as this therapeutic voyage.

    La Paz, Bolivia, 2011

    ¡Jallalla! Hello everyone! (This word is both Quechua and Aymara, and apart from being a greeting it conveys a wish for hope and a fulfilling life). awesome ¡Qué chala! That’s Awesome Está pintudo. Thats Amazing! Bolivia, La Paz

    When life was simple; Fanito trusted in her mommy and daddy to always have the answers and lead the way.

    The stories from my blog and podcast are all from the heart and I hope they can inspire you. To find answers, determine resolutions. or just have a good laugh.

    This story is not about my life but my perspective of my father Ramiro Fanor Alanez Melean, and his testimony.

    Who he was through my eyes.

    Have you ever met someone that although they had a hard life, they brought joy, happiness, and charisma to the time you spent with them? My father had a patience that he tolerated my annoying behavior and loved me the way I needed love from my father. He had a strong level of discipline, respect, and humor. He protected me, taught me to protect myself. Loved my mother in a way that let me know how I wanted to be loved.

    My Dad, me and my sister (top to bottom)

    He had funny interesting sayings’ that would catch me off guard. He would see someone up to no good and would yell to them “Caught you with the meat in your mouth” this was a reference that he would say to his dogs if they took food, I knew from being with him.

    “Caught you with the meat in your mouth!”

    Ramiro Fanor

    He was and true artist, visionary, designer and musician. He loved crafting leather and making show stopping outfits. My mother would make dresses for us and paint. They would work together in out small 1 bedroom apartment on 11th street – in a passion of love and artistry!

    My father was extraordinarily strong and tall to me as a little girl. He stood 5’11, 170 lbs. He would tell people 5′ 12″ 160… for whatever reason this made me laugh. I would say to him, “why not just say 6 feet tall?”, and he would respond, “well that would be a lie…”

    My handsome father

    He always kept his hair long and luxurious, my mother braided his hair, shampoo and conditioned it. This was their ritual. He was the one who combed my hair and taught me to take care of my ends, he would say, “Fanito, you split before your ends do…” it is these memories that make me smile.

    “Trash don’t pick it up, don’t throw your life away!”

    Ramiro Fanor

    Family time with my father , 2008

    My father gained weight later in life when my mom had gotten extremely ill, but he was still very handsome. Sometimes my teachers would ask me if he were single… shocked, I would roll my eyes, and tell my mother. Life was simple back then, but there was so many struggles he went through that I was not sensitive to, until later in life that we had a fight of a lifetime over a human, and his rights.

    “…But do you love me…”

    Ramiro Fanor

    He would sing so beautifully. He on guitar, my mother the piano, me the drums and my sister dancing.

    “Sharp, in my suit and fierce is my knife”

    Ramiro Fanor

    Always a smooth cat, he would say, “Alley cat” he would always dress for the occasion with whatever he had. Ask me about a good jacket, fedora, and pump – my dad would check to make sure we were “…ironed, presses and pushed pause on the evil eyes.” his words.

    What happened?

    In 2008, my father was living with me in Brooklyn, NY. I had my first son, and he would travel to Manhattan to pick up his granddaughter (my sisters’ daughter) from school and bring her to her grandma’s house (her dads’ mom) each day. My sister had gotten him an unlimited MetroCard where she would refill, and he always had a way to travel within the city. He was a widower and retired worker. It was in this time he was being a grandfather and enjoying his later years. On one instance in the beginning of 2009, he was traveling on a Friday to do his usual route to pick up his granddaughter. He never arrived.

    We all were worried; he did not answer his phone or contact us. In this period in his life, he was not his usual healthy, fast, and strong papa. He was older with a bad back that he had just had an operation on from a slip and fall, and he had a bad liver, bad arm and in medicine. We were extremely concerned for his safety and wellbeing.

    Friday evening, I received a call that my father had been arrested and was at Rikers in New York. The officer explained that it was a mistake. A group of young adults jumped the turnstile on the G line in the transit system and the transit police did a sweep and arrested all that was there. He then said the following: “Unfortunately, your father was there and because it is a Friday, he won’t be released until Monday.”

    I went on Monday to get him and they told me that ICE (U.S. Immigration and Customs Enforcement) had picked him up. Now, he was at Varick. I tried to understand why, and they said because he is not a citizen, any crime that violates moral turpitude is instant deportation. My sister called everywhere, and we constantly ran around.

    I explained his legal status and right to be in this country, I explained it was a wrongful arrest. They seemed relieved and gave me paperwork to take to the other precinct in Brooklyn and have them fill it out for his release. I could not believe how simple it seemed, so I ran over to Brooklyn and spoke to the arresting officer. He refused to fill out the paperwork, because he had said that he needed to make a quota. I spoke to his sergeant and they all admitted that it was “Unfortunate,” but their hands were tied.

    After a couple of hours, I left and headed to Varick street to see my father. They would not let me see him and asked for his passport, declaration of his country of origin and followed those demands with the threat that he would be deported to either his country with the documents or Mexico without. It just so happens that I was studying Immigration Law, and I proclaimed that not only was I his daughter an American Citizen with the right to claim him, but I was also his advocate and legal representation. It was in that moment they allowed me to see my father. He seemed physically shaken and slightly roughed up. He was in an orange jump suit, which should have been light blue to signify the alleged crime. I insisted that he needed a new jumpsuit, commissary, and the right for visitation. They agreed to visitation on the spot but said because he was not a citizen that the constitution did not apply to him. My sister and I acted quickly, reaching out to get a petition, a bill in his name, to everyone that we could.

    The next day I went to see him, and he was moved to New Jersey, then Pennsylvania, than Delaware and finally Brownsville, TX. It is there where he stood for the next year. As we fought and were not entitled to see him. He could only call us and at the time we did not know that his calls were recorded.

    One day a nurse from Brownsville called me and told me that my father was in her infirmary. He was beaten by a guard and raped. She said she was afraid for her life and that she warned us to be careful that we told him anything. The next phone we got was from an officer in Florida, she said that she was his assigned detaining officer. Through her travel from Texas to Florida, she felt horrible and wanted to help him. He was not entitled to contact anyone, so she called from her cell phone to alert us that he was being deported in 15 minutes. Nothing we can do.

    F1 Student Visa

    At the young age of 15, Ramiro Fanor (Fanor), who was born in La Paz, Bolivia and resided there with his mother Guillermina (Guiche), father (Walter) and three siblings Olga, William, and Tico. Loved their life, their father a politician who was quite established and wealthy for that community and time. Fanor’s, father was trying to control a potential revolution in a campaign to unseat that current President and in that uproar, he was unfortunately assassinated by the town center hall. In fear of threats that were coming to her family, Guiche wanted to flee to Cochabamba, Bolivia. In the midst she was able to attain an F1 Students Visa for young Fanor to travel to the United States for an education legally. He arrived in the US and would often correspond with his mother via mail or a monthly call to let him know what he was doing and how well he was progressing in his education.

    Legally in the United States he was able to establish himself where he finally met Shari Sue Gerloven, where they had three children. Sam who passed away after birth, Willamina and Fanny. They lived together in the Lower East Side of New York City. Although they married, Shari was unable to sponsor Fanor to be a citizen because she was disabled and needed to show that she was able to provide for him. However, he was approved for amnesty through the incident prior to his arrival. He collaborated with a lawyer to grant the Amnesty but through malpractice the lawyer took advantage of Fanor and never filed his paperwork. The lawyer received payment through barter. Fanor would work on constant project in his home to pay the retainer. When the projects were finally complete from the years of 1988 to 1997. The lawyer admitted to never doing the application.

    Unfortunately, Shari passed away in 2000 and it was at that point a new law had passed that granted him Widowers status.  He was grandfathered into this law that allowed him a stay without Citizenship and he was invited to apply for Citizenship if he wanted to.  At that pint he was grieving from the loss of his wife and in 2008 decided he wanted to file.  Sadly, he was picked up prior to filing and wrongfully arrested.

    Prodigal Son.

    In 2011, Fanor was deported from Florida to Bolivia at the age of 62. After legally arriving, residing, and adapting to the United States and becoming a legal resident for forty-seven (47) years. My sister and I ran to Bolivia to be present for our father. The reuniting was bittersweet and heart wrenching, having to leave out children and families to be there and finally having to leave our father to return home. My sister was pregnant with her third baby and my baby was not even ten months old.

    Life after deportation.

    He finally was able to find his family, his mother, my grandmother Guiche laid in her bed unable to move. After we left, she died but, in his care, and love. He was tortured in detainment and seemed happy that he was able to find any sort of humanity.

    “We may be apart but we are still on earth together.”

    Ramiro Fanor

    In La paz, Bolivia, with our father after three years.

    We made many trips all over the next decade to see one and other in Ecuador, Dominican Republic and once even met in Columbia. The Dominican Republic trip was special because it was a resort where we not only reunited his children, grandchildren but relaxed in a beautiful place.

    Dominican Republic – Family Reunited.
    Laughing with Papa Fanor
    Saying goodbye to Papa Fanor during that trip.

    His mother while he was in the United States always paid his taxes and maintained his information in Bolivia. When he arrived, they knew where he had been, and he was able to not have any political issues as well as attain retirement. He was also the name deeded to his mother’s land. As a property owner he had interest, rights, and other benefits.

    Ready to come home.

    Reaching out to the homeland security, many immigration offices, and other agencies to confirm when my father could return was a tedious process that had to be done many times. In 2017, I had spoken with a woman who looked at the status of ICE and his overall file and said he has no ban that is active. As she mentioned, he can file for a tourist visa, she said that while he was detained his file was updated that showed previous amnesty application and currently widowers act (particularly 5 U.S. Code § 8442) had been applied. She suggested that if we applied for a travel visa he can come and stay for up to six months and renew yearly she also mentioned he can plan to be sponsored by one of his daughters and gain citizenship. My sister and I were overjoyed and started talking and discussing next steps.

    I called my father and could not get a hold of him. I wasn’t sure what was going on. I would speak to him every day or about at 11:15. He would call me 10:15 his time 11:15 my time as those numbers held a lot of love in our hearts. My mother’s birthday was 10/15 and we often symbolized these numbers in remembrance of her.

    Weeks were beginning to pass, and I could not get in touch. I tried contacting everyone in Bolivia, including police, hospitals, and any family that would speak to me. It was not until my sister went on a trip with her family for her daughters sweet 16, that we unfortunately could not attend and stayed home that I finally received a call.

    At first, I was excited and wondering what my dad was up to and why he had not called, completely unlike him. I also wanted to share the good news of his granddaughter and of the status. It was not him; it was my cousin. Who is brother’s son that told me to call his dad and that it was important? My family stretches all over the globe and I had wished that we had tighter connections so to get this call was strange as I normally did not speak very often to some of my family but wish that our relationship was tighter and stronger. I called my uncle, while sitting in the back of porch of my house. He answered, the call started and he greeted me like he always did. “Hola, Chiquitita Fanito, how are my little love?” His voice was so tender, all of a sudden I could hear his breath, he was upset, I could hear the wind, My in-laws looked at me with curiosity and he said as time froze in that instance, “my love I am sorry to tell you this but your father has died” I could not breath/ He then stated ” he had a heart attack that was Anemia induced” … I choked and screamed so loud; I can feel my heart pounding now typing this. “This is not true, Tio…please… I have plans… he is coming… we made arrangements…please stop, this is not true…put him on the phone” … I looked to my Mama (mother-in-law) and Papa (father-in-law) and said, “help me, please help.”

    I could not believe this and my sister I could not call her. My husband and I and all cried… why? Later his family in La Paz and Cochabamba told me it was lies and that he was murdered or held as a prisoner for the land. One cousin checked all the hospitals and said it is not true he has been kidnapped. I could not believe or know what to believe… unfortunately to this day.

    Light in our heart.
    Saturday, September 9, 2017 – General Mass – RIP

    We gathered at his favorite church and spoke to all who would listen to the testimony regarding his life, who he was and how he would have wanted to be remembered.

    Though your heart is aching.

    To all: He also loved his family; I really should mention he often spoke about his nephews and nieces and cousins. He loved them and would ask me every day to make sure you tell my Matty, Joey and Baby Jessy that we will be silly again. How is my Susie he always said. He also would say do not forget to send a mail on the line (yes, he did) to my nephew and niece on the face program on my phone. In his way he wanted to stay connected to his family. He would ask if I saw or spoke to his friends, Doug, Joaquin, Darlene, and if I go to 11th street make sure to give Pocholo a hug and Daisy, her son Mike and the block as they are family. He often mentioned Takia and said – I wish I can hear her smile. His heart was huge and always taking in new friends and loving old ones. Certain friends we grew up with he would tell me was his children because he wanted them to have love and certain family he constantly mentioned like Angelina, Milqueza, Mireya, Mireya, Nadia, Jamal, CJ, Cynthia, Kitty, Diego, Leslie, Suhad and all. He would tell me that my husband was an amazing man, and he loved his brother like his own son, his Ruby and his gorgeous wife and family. He also mentioned that he loved his new best friend Pepe (my husband uncle). He also mentioned to make sure to check on Mama Olga, my sister’s mother-in-law. He wanted me to always call her, especially on her birthday. Her daughter Jolly he said was gorgeous and her husband Tone was his man (close friend) and they had beautiful children. He always gave compliments that he felt and meant, he loved so hard with his heart in one hand and sword of valence in the other. I have so many testimonies of his but for these I hope touches and inspires.

    To his grandchildren: Your grandfather spoke about you every day. He loved you more than you can ever imagine. He was in pain that he could not hold you and love you and play with you and be your grandfather. Do not let any day pass that you feel sad because he would then tell you “smile, though your heart is aching, even though it is waking.” he loved to quote music lyrics and often would insert in many moments of conversation, remember him and fill your heart always.

    To my sister: We were loved. We had the best father one could ever desire. He went into battle for us. Not only did he teach us that he loved our mother and he taught us that he worshipped our mother. Our father loved you very much and always spoke of you highly. Please dont ever forget his love and always tell his stories like we do to keep his memory alive. I love you and pray each day for him and our family!

    The only thing that has brought me peace is that he was reunited with my mom, his son, and mother… But I had no answers to give. Thank you for joining me on this journey of Fannytasticlife.

    Thank you to the community of listeners and supporters for keeping me going it is appreciated and any donation or purchase of our products and services helps. Below is the Chiquitita shirt if you want to check it out.

    Chiquitita Fanito T-Shirt

    Designed and Sold by Fannytasticlife

    Little Fanny who her dad called her Fanito with her Llama hair Pancho that her Guiche (grandmother) sent. When she would frown her father would sing to her Chiquitita by Abba to cheer her up…

    ¡Jallalla! Hello everyone! (This word is both Quechua and Aymara, and apart from being a greeting it conveys a wish for hope and a fulfilling life). awesome ¡Qué chala! That’s Awesome Está pintudo. That’s Amazing! Bolivia, La Paz

    How it was sung to me by my dad!

    very truly,

    FHBMGC

    Terms
    Moral Turpitude.

    The legal definition of Moral Turpitude, gross violation of standards of moral conduct,vileness, such that an act involving moral turpitude was intentionally evil, making the act a crime. The existence of moral turpitude can bring a more severe criminal charge or penalty for a criminal defendant. For an immigrant this means immediate deportation.

    Wrongful Arrest

    An arrest is deemed wrongful when a person is detained and wrongfully convicted by police without proper legal authority.

    Crime Shows… I love them!

    You ever look at someone and think… hmmm “he fits the profile…” or that they the are a psychopath… maybe you find yourself describing a situation and you start by saying “allegedly…” or maybe you use the Columbo method where you determine, the break or lie in someone’s alibi… I mean story. If any of these sound like you, you must love crime shows.

    “I’m not merely a paid gladiator fighting for those who have the funds with which to employ me. I’m a fighter, yes, and I like to feel that I fight for those who aren’t able to fight for themselves, but I don’t offer my services indiscriminately.” Perry Mason

    The Case of the Stuttering Bishop (1937)

    The love for crime shows started when I was about four… or so. While I was home, these shows were always on. I remember my Night Court be on and my mother laughing. But something about these shows always intrigued me. Here are some of my favorite in date order. I might be missing some (just in case).

    • Perry Mason, 1937
    • Columbo, 1968
    • Kojak, 1973
    • Magnum PI 1980
    • Cagney and Lacey, 1982
    • Murder She Wrote, 1986
    • Matlock, 1986
    • LA Law, 1986
    • 21 Jump Street, 1987
    • Law and Order, 1990
    • Law and Order, SVU, 1999
    • Criminal Minds, 2005
    • The Closer, 2005
    • Major Crimes, 2013
    • How to Get Away with Murder, 2014

    Some of my favorite things about these shows is the mystery and the dark humor; satire. Other reasons I enjoy these shows, could be the dark and scary things that fulfills the adrenaline needs that we all have. So much information and knowledge to a world we only want to enjoy vicariously…or do we?

    From crime shows I branched into science and crime shows. For example Forensic Files and then real life like snapped. The one tone voice of the narrator draws you in that you become numb to the actual crime.

    Forensic Files, 1996

    If you like a little paranormal and crime you can watch the Dead Files. This show is amazing and has a mix of both. Crime and Paranormal with the stars Amy Allan and Steve DiSchiavi, who work to find the point of pivot in the investigation of the real harden facts of evidence and the supernatural discovery of energies.

    At the reveal table.

    I love this show because they are able to review the facts of the location and Steve will research the town, interview the family and other main points while Amy will do a walk through of the location and pull together what she is able to sense. They meet with the family and go over their findings, which is usually mind blowing.

    It’s time for the reveal!


    “My name is Amy Allan. I see dead people.”…”I’m Steve DiSchiavi. I’m a retired New York City homicide detective.”

    Intro from the show.

    Now, one of my favorite must see shows that I watch when I fold the laundry has to be Snapped…. oh boy another wife has taken all that she can and is ready to let the husband, boyfriend who ever feel her wrath.

    Happy home, cooking, cleaning, taking care of the children, feeding the pets, living the pets life and SNAP!!!!

    The intrigue of this show is that they explain the strange cases of women who have been accused of crimes that involve murder.

    In all, whatever crime show peaks your interest or who ever you may suspect fits the profile always remember to have a solid alibi especially on this journey of Fannytasticlife!

    Twitch.tv
    Every Tuesday fresh content!

    CRIME SHOWS

    LIVE on Twitch

    #2020PodcasterWrapped

    Wowowowowow! This was so amazing to see on spotify yesterday! It rocked my world!

    499


    Yes, 499 Minutes of content released. Just wrapping season three. This has brought me so much joy and happiness.

    In 2015, I had just given birth to my third son and I had time to myself to think and enjoy these moments. I found my journals and my stories of my life that I had written. When I went to load an old blog I had, to my surprise it was shutdown and I had lost all my content.

    I decided to start a new blog about my life but also and most importantly bringing inspiration to those who came across it.

    When blogging I found a therapy, a passion that reignited who I am. My whole young life my mother made me do dancing, acting, singing and all types of performance. When I became a young adult I tried comedy, which I loved but also failed in. As an adult, I was able to review the hindsight of my life, reflect from it and truly learn from those clear lessons and teach these full circle moments to people in my life.

    The gift of providing testimony, during the first five years provided a new expansion to my creativity. I loved the sweet reward that WordPress sent me (below).

    During the pandemic, I came across blogging, and this was a brand new channel of energetic vibes that reflected positiviity and hope.

    So many people have come to me, in messages, emails, comments with love and happiness that truly keeps me going.

    When I saw the Fannytasticlife 2020 Podcaster Wrapped on Spotify i was in total shock. I was about to record the last episode for season three; I was truly blown away. Then I saw it on TikTok and decided to do a Tik Tok for it. Yes, I am into Tik Tok pre pandemic … hahaha.

    I started recording for Season four, and it truly brings me so much happiness. A lot of new experiences are happening so please stay tuned.

    Also, some of the new features of Fannytasticlife is the Newsletter, the Shop, scheduled appearances on the show and seeking brand amabassadors, I guess you can say the sky is the limit.

    Fannytasticlife has truly fed the hunger that I had and the passion in my heart is growing to help, inspire and love more than ever on this journey of Fannytasticlife!

    Thank you to all the supporters and new followers and FanTribe! Love you all!!!!!!

    MAU Social Media Platforms

    Connections

    No one loves networking better than me, no one! Of course I am being silly but truthfully connections in all parts of interactions virtuality and in reality are extremely important to our mental health. One of my new mindsets is self-innovation. As it is important especially during this time because of our new, updated virtual personas. We need our connections and we also need to be able to flex with the times.

    Prior to the pandemic, we physically were available even if we worked remote or at a specific location. During the pandemic, the change of visibility went from 98% to 0% in a forced quarantine. To move forward and pick up the pieces we need to embrace the new self-innovation discovery and remarket ourselves as well as our brands. The reason for remarketing must deal with being empathetic but how do we show that virtually. As we all know, there are no repeats of first impressions. First impressions via virtual would be our profile pictures.

    At first glance.

    Some profiles are missing images but we need to take into account that who we are posting messages to may be visual learners. This is why profile pictures really make the connection with potential people of interest.

    If you work for a corporate environment and wear professional attire chances are in person you make a great impression and prior to the pandemic your branding was on point.

    Currently, your image may need to adjust for a more casual profile picture if you are home working and if you are hybrid at may be a professional casual look; why would we do this? We make this slight change to stay relevant. If you decided to leave your picture on your profile without an update the feedback from many sources state that you are coming off stagnant and not in touch.

    However, if you want to keep it crisp and professional, I would suggest updating to a current polished look. For example if you have the same picture from twenty years ago chances are when you do finally zoom meet out in person the connection wont feel genuine.

    Let us dissect this slightly: If you change your profile picture very often this can come across as insecure however, if you change it periodically to stay relevant with the current events as they happen this comes across as approachable.

    Branding pictures are treated differently: If your brand is one image no matter when it was taken but used for all media, I would suggest keep it consistent unless your brand changes. Being recognizable as part of the brand is not something you want to constantly change. For example if you use specific colors or patterns when people see this they will connect it to you. So it is important for your brand to reflect who you are and maintain consistency.

    Our virtual persona is more than just our profile pictures although if you are marketing, even if the content is valuable data without an image, the post tends to be swiped, overlooked, or simply ignored.

    MAU

    Your persona is something to invest in. Recently, I wanted to review platforms by usage and the format is called MAU, which stands for “Monthly Active Users, and MUVs stands for Monthly Unique Visitors.” (Lua, 2020) Utilizing the data from Buffers top 21 list I compiled this graph below to show the most popular by the billions of active users monthly.

    Based on information from Buffer.

    As we can see by this chart Facebook is the number one social media platform on the earth with over 2.3 billion monthly users. What does this mean, at first glance we can assume that the feeling of facebook and family connections is the purpose but for marketing you can reach 1/3 of the earth’s population for your business. Why not take that opportunity showcase yourself virtually here.

    TikTok with 500 million MAU, has the most interesting pattern that grasp the full attention span and it reaches so many demographics who are willing to join and participate. Virtually brand new on the spot singers are turned into superstars. I personally felt that when my last post got 1160 that I was Tik Tok Famous.

    With this platform you are limited to a specific window of time. The impression is so impactful that is truly keeps you watching and becoming addicted to it. This is great if you are the content magnet pulling in that attention. How does it work? It only gives you a glimpse that continues to loop. Therefore, capturing the intrigue and then swiping to the next content.

    Many have wondered can 30 seconds be so appealing, and the answer is yes. We are attracted within the first second of a meme and most songs are not longer than 4 minutes unless it is a song by the singer Meatloaf. This is truly a winning strategy like the psychology behind casino design that allows for one user to see so much content in a fleeting period and lose track of time.

    Linkedin has about 294 million MAU, which is about 13% of Facebooks grasp but still worthy enough for the connections. I utilize LinkedIn daily, I post and reach out and make sure to constantly update all my information to stay current. My profile is different depending on what media it is on for example my LinkedIn as seen below is simple, approachable and current.

    Will I change this picture? Yes, but timing is key. For Instagram with 1 billion MAU, it is exceedingly popular. When you post for marketing you really need to know and understand your concept. This can be described as a storyboard remembering branding and consistency and when posting the message needs to come across is less than 1 sec, so this needs to be meme like and have a value of an icon. For example, when you see a swoosh, you know it is Nike or if you see that famous green mermaid you start craving Starbucks. These are the 1 sec recognitions of those brands and even if it is holiday or a distinctive design that fluidity flows with their brand. That is how you need to design your brand and how it lands.

    Mutual Benefits

    Value of maintenance regarding networks is so important because staying connected creates a simple partnership of benefits. With two-way communication highways the value of information can be worth more than a monetary interest.

    When engaging I know what my message is; what I want to say; but I do not know what I am about to hear. Therefore, understanding the links value is where opportunity can be for both parties. Consequently, I always like to learn the information and hear what the other person wants to convey. It is then I can adjust my message in the conversation. The other part is that sometimes, I make a connection and on face value we cannot offer the other one a direct benefit.

    What we can offer is value outside of the connection like a compensation or return of value through interconnected contacts; a third party. Having this contact creates an advantage to the dynamic and making the bridge is the mutual benefit that we all can potentially share, which would be the common interest. Through connections, we can create fresh ideas, advances on projects and goals, opportunities, advice and strategy, support and new perspectives.

    AI

    Artificial Intelligence (AI) predicts client’s likelihood to engage with your business and unite them with your strategy and potential profits. Effective strategy with social media can build a brand and the ability to read the data and project possibilities can potentially foresee the next move based on the tracked insight. Tools used by AI are hashtags, patterns, clicks and overall user behavior and tendencies.

    Most social media platforms utilizes this data and if you turn your personal account into a business account you can review this type of data.

    Analytics and Insights

    Analytics and Insights, are the data tools that review the large pools of data collected by the AI. This creates tools for you to view specifics based on the analytical data and decide next moves and strategy. The steps of analytics are usually: collection, process, feed, review and compare.

    Data can include demographic information such as: age, gender, marital status, income, education, geographic location and employment. If you are trying to reach these group you can adjust where and how you post or advertise on these social media platforms.

    This data when viewed on either a timeline or over fiscal timelines can reveal crucial data. When compared to businesses similar to yours, creates the insight and hidden potentials.

    Insights are very rewarding as they offer an opportunity for change, learning and competition.

    Opportunities

    There is always a fundamental opportunity to connect with a person and to respect that connection and offer mutual benefits. The social platforms will help connections prosper and relate while the technology will help to create a strategy to for next steps.

    Thank you for connecting on this journey of Fannytasticlife!

    Fannytasticlife, ViBE Fannytasticlife

    You already know, that I am ready to discuss the journey here on Fannytasticlife! — This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app — Send in a voice message: https://anchor.fm/fannytasticlife/message Support this podcast: https://anchor.fm/fannytasticlife/support
    1. Fannytasticlife, ViBE
    2. Fannytasticlife, FINANCIAL LITERACY – KID’S EDITION – PART ONE
    3. Fannytasticlife, Hi Louis!
    4. Fannytasticlife, Convenience vs Service and the status quo.
    5. Fannytasticlife, Actions and reactions.
    Breast Cancer Awareness

    October is Breast Cancer Awareness Month

    Being Proactive

    Monica’s Story

    Monica a vibrant career professional in New York City, who recently had just moved from Florida, but was originally a New Yorker. Making herself acquainted in Queens. Settling in with her family and matriculating her children into school. Terribly busy and always initiative-taking with her and her family’s health.

    She previously worked for a hospital in Florida who made it part of their standard operating procedure and general office protocol to have the employees in her department receive yearly mammograms, which in her case were always negative.

    In the process of her moving, she missed the examination for that year and while changing careers her appointment lapsed when she was due for her mammogram. In a self-discovery, she came across something that would change her life forever.

    With Monica Patino

    At 37 years old Monica discovered, that she had a lump in her breast. Immediately she had her self-checked out and it was determined that she had Breast Cancer Stage 2B; had she not let the examinations lapse she may have caught it before it had gotten so serious.

    Stage 2B, describes “breast cancer in which: the tumor is larger than 2 cm but no larger than 5 cm” (Breast Cancer, 2020)

    Monica underwent many procedures that changed her life forever. These procedures included and were not limited to: chemotherapy to shrink the two large cancer cells, full mastectomy, and followed by the radiation. She has now been cancer free for the past four years, thank GOD! Now, Monica is a self check activist,”learn your body and feel it.”

    The cancer hit Monica and her family fast, and hard. Her life was immediately impacted by this and thankfully she found a lot of support with her family, friends and job who sponsored her during the annual Breast Cancer Walk, walking with Monica’s Soldiers.

    Currently, her good friend is walking in her honor and you can provide sponsorship in the name of Monica Patino, a survivor of Breast Cancer, who is still fighting every day and staying strong and finding peace.

    Resources

    Stay Healthy (Breast Cancer, 2020)

    Screening Information

    #AskHer – Atlantic Health System’s #AskHer campaign encourages you to ask the women you care about to schedule their annual screening mammogram, or take the initiative and do it for yourself. Early detection saves lives. (Atlantic Health Systems, 2020)

    WebMD – You can get a free mammogram every 1 to 2 years if you’re over age 40. (WebMD, 2020) and

    CDC – Find a Screening Program Near You (CDC, 2020)

    Important Dates

    Importance of October 23 – wear PINK and show support all over the world!

    Fannytasticlife, ViBE Fannytasticlife

    You already know, that I am ready to discuss the journey here on Fannytasticlife! — This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app — Send in a voice message: https://anchor.fm/fannytasticlife/message Support this podcast: https://anchor.fm/fannytasticlife/support
    1. Fannytasticlife, ViBE
    2. Fannytasticlife, FINANCIAL LITERACY – KID’S EDITION – PART ONE
    3. Fannytasticlife, Hi Louis!
    4. Fannytasticlife, Convenience vs Service and the status quo.
    5. Fannytasticlife, Actions and reactions.

    Check out Monica here on Fannytasticlife LIVE on Twitch – 21 Questions w/Monica Patino

    Or check out the Stream page where we post all our Twitch content.

    Monica Patino – Wearing Pink – Continuing to fight

    References
    Atlantic Health System. (2020). Mammography & Breast Imaging. Retrieved from Atlantic Health System: https://www.atlantichealth.org/conditions-treatments/radiology/mammography-breast-imaging.html?gclid=Cj0KCQjwoJX8BRCZARIsAEWBFMLqPXgZIPjN_rRV7O8g-0BMO9RZyVhQrWQr7dSG6S_da5admIkw9IEaAobxEALw_wcB


    Breast Cancer. (2020, October 13). Stage IIA & IIB Treatment Options. Retrieved from Breast Cancer: breast cancer in which: the tumor is larger than 2 cm but no larger than 5 cm

    CDC. (2020). Find a Screening Program Near You. Retrieved from Center for Disease Control and Prevention: https://www.cdc.gov/cancer/nbccedp/screenings.htm


    WebMD. (2020). Free Breast Cancer Screening & Prevention. Retrieved from WebMD: https://www.webmd.com/health-insurance/free-breast-cancer-screening#1

    Nova Cat Swatch

    Fall Fashion

    I love this time of year, especially with Fall fashion. Yummy delicious weather for leather, a cozy sweater, fur, reptile, cheetah, leopard, animal, zebra, jewel tone give it to me now!!!! Meow!

    For the beginning of the season I love to bring out looks that I feel showcase the inspiration from the scenery like fuzzy, pumpkin with hues of oranges and of course sleek patents leathers that take inspiration from September and transition into the October, November style.

    I have three looks to sample, these are looks I have worn and own. Some may be available online and some are classic and not available but utilize the pallet to create your own look. These look all have a casual foundation and branch into Cozy, Classy and Crisp.

    Check out these looks: Cozy Casual , Crisp Casual, Classy Casual;

    For the first look I have my yummy Cozy Casual look. As a Brand Ambassador for the Official Her Team, of course I am wearing my “Babes Empower Babes” shirt and you can of course utilize my FHBMGC discount to get your 30% off on any item on their website. I have paired the Tee with my favorite high tops from Vans and hoodie that I always tie into a bow, and tapered sweet french terry sweats. You can match any of your items to make the look work for you. Of course I am a big fan of so many sneakers and brands that can certainly be mixed and matched here.

    I have two other looks that I love and they are my Classy and Crisp casual looks.

    For my classy casual look, I always love black jeans with a 2% give and a lovely fun headband. Sometimes you need to throw it together casually and a sparkly band to hold the hair back with really complete the look. Now, to dress up the look we can wear a sassy sweater and soft sueded bootie as this will always dress it up. The look will is simple enough to keep it casual but fun enough to be sophisticated for a quick zoom call.

    For a sharp crisp casual look I love to pair a denim either light fade or dark rinse. In the picture here I have a two tone jean from Shein, which is very flattering. Either a white poplin or in this look a puffy sleeve print like the one above with a fun pattern keeps the casual look playful however, what ties it all in to make it crisp are the sharp patent leather booties. Theses boots are versatile and perfect for this weather.

    Don’t forget your stylish masks to match.

    Of course, individuality is what I love to see however some items are timeless. I was asked the other day about a particular color, with patterns, styles and for each season. I do believe that you can do what you like… and I do have a chart that does focus fashion by season. If you know me, you know I love data and analytics as much as I love being a fashionista. This chart below organizes the particular season whether it is Winter, Spring, Summer or Fall into quarters divided by three month intervals. Monthly colors are identified followed by textures, Tones possible Nail or Makeup coordinates and Footwear. Obviously this does not need to be followed I use this as an organization tool when organizing my clothing racks.

    Although I always say these colors (Black, White, Nude, Red and Grey) are timeless and work anytime of the year I do have y own color wheel. THis wheel in parallel to the data chart above and moves like a clock. Each number representing a month of the year.

    Fannytasticlife Color Wheel

    A big part of the Fannytasticlife journey is fashion and what ever you decide to wear make sure you work!

    Fannytasticlife, ViBE Fannytasticlife

    You already know, that I am ready to discuss the journey here on Fannytasticlife! — This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app — Send in a voice message: https://anchor.fm/fannytasticlife/message Support this podcast: https://anchor.fm/fannytasticlife/support
    1. Fannytasticlife, ViBE
    2. Fannytasticlife, FINANCIAL LITERACY – KID’S EDITION – PART ONE
    3. Fannytasticlife, Hi Louis!
    4. Fannytasticlife, Convenience vs Service and the status quo.
    5. Fannytasticlife, Actions and reactions.

    Pumpkins are from Pottery Barn.